Schonvest: what changed
Two financial years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.
Schonvest
Largest movements
- Stocks and contracts -€354,283
down €354,283 (-61.5%), from €575,717 to €221,433
- Receivables within one year +€285,522
up €285,522 (+777%), from €36,745 to €322,267
of which Other amounts receivable: +€220,585
- Cash -€56,006
down €56,006 (-92.3%), from €60,655 to €4,649
mainly Other debts (-€309,619) and Receivables within one year (-€285,522)
- Deferred charges and accrued income -€14,583
no longer reported in 2025 (was €14,583)
- Tangible fixed assets -€12,500
down €12,500 (-34.6%), from €36,167 to €23,668
- Other debts -€309,619
down €309,619 (-40.5%), from €764,190 to €454,571
- Profit (loss) carried forward +€86,758
up €86,758 (+166%), from €52,157 to €138,915
- Trade debts +€70,298
up €70,298 (+1,407%), from €4,997 to €75,295
- Tax, wage and social debts +€12,169
up €12,169 (+60.8%), from €20,000 to €32,169
- Debts after one year -€8,945
down €8,945 (-46.5%), from €19,235 to €10,290
- Financial charges -€129,258
down €129,258 (-77.3%), from €167,318 to €38,060
- Gross operating margin -€127,169
down €127,169 (-42.2%), from €301,663 to €174,494
- Taxes +€14,339
up €14,339 (+80.4%), from €17,830 to €32,169
From the 2024 result to the 2025 result
Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.
Derived cash bridge
Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €886,121 | €730,441 | -€155,681 | -17.6% |
| Fixed assets | 21/28 | €198,421 | €182,091 | -€16,330 | -8.2% |
| Intangible fixed assets | 21 | €4,190 | €2,440 | -€1,750 | -41.8% |
| Tangible fixed assets | 22/27 | €36,167 | €23,668 | -€12,500 | -34.6% |
| Furniture and vehicles | 24 | €36,167 | €23,668 | -€12,500 | -34.6% |
| Financial fixed assets | 28 | €158,064 | €155,983 | -€2,081 | -1.3% |
| Current assets | 29/58 | €687,700 | €548,350 | -€139,350 | -20.3% |
| Stocks and contracts in progress | 3 | €575,717 | €221,433 | -€354,283 | -61.5% |
| Stocks | 30/36 | €575,717 | €221,433 | -€354,283 | -61.5% |
| Amounts receivable within one year | 40/41 | €36,745 | €322,267 | +€285,522 | +777% |
| Trade receivables | 40 | €11,219 | €76,156 | +€64,937 | +579% |
| Other amounts receivable | 41 | €25,527 | €246,111 | +€220,585 | +864% |
| Cash at bank and in hand | 54/58 | €60,655 | €4,649 | -€56,006 | -92.3% |
| Deferred charges and accrued income | 490/1 | €14,583 | - | -€14,583 | |
| Total equity and liabilities | 10/49 | €886,121 | €730,441 | -€155,681 | -17.6% |
| Equity | 10/15 | €62,157 | €148,915 | +€86,758 | +140% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €52,157 | €138,915 | +€86,758 | +166% |
| Amounts payable | 17/49 | €823,964 | €581,525 | -€242,439 | -29.4% |
| Amounts payable after more than one year | 17 | €19,235 | €10,290 | -€8,945 | -46.5% |
| Financial debts | 170/4 | €19,235 | €10,290 | -€8,945 | -46.5% |
| Amounts payable within one year | 42/48 | €804,729 | €570,979 | -€233,750 | -29.0% |
| Current portion of amounts payable after more than one year | 42 | €8,443 | €8,945 | +€501 | +5.9% |
| Trade debts | 44 | €4,997 | €75,295 | +€70,298 | +1,407% |
| Suppliers | 440/4 | €4,997 | €75,295 | +€70,298 | +1,407% |
| Advances received on contracts in progress | 46 | €7,099 | - | -€7,099 | |
| Taxes, remuneration and social security | 45 | €20,000 | €32,169 | +€12,169 | +60.8% |
| Taxes | 450/3 | €20,000 | €32,169 | +€12,169 | +60.8% |
| Other amounts payable | 47/48 | €764,190 | €454,571 | -€309,619 | -40.5% |
| Accrued charges and deferred income | 492/3 | - | €256 | +€256 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €16,707 | €14,250 | -€2,457 | -14.7% |
| Other operating charges | 640/8 | €549 | €399 | -€150 | -27.4% |
| Non-recurring operating charges | 66A | - | €2,858 | +€2,858 | |
| Gross operating margin | 9900 | €301,663 | €174,494 | -€127,169 | -42.2% |
| Operating profit (loss) | 9901 | €284,407 | €156,987 | -€127,419 | -44.8% |
| Financial charges | 65/66B | €167,318 | €38,060 | -€129,258 | -77.3% |
| Recurring financial charges | 65 | €167,318 | €38,060 | -€129,258 | -77.3% |
| Profit (loss) for the period before taxes | 9903 | €117,088 | €118,927 | +€1,839 | +1.6% |
| Income taxes | 67/77 | €17,830 | €32,169 | +€14,339 | +80.4% |
| Profit (loss) for the period | 9904 | €99,259 | €86,758 | -€12,500 | -12.6% |
| Profit (loss) for the period to be appropriated | 9905 | €99,259 | €86,758 | -€12,500 | -12.6% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 13 October 2026 via checked.be.