Schurmans Calujo: 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.
Schurmans Calujo
Largest movements
- Cash +€6,492
up €6,492 (+10.3%), from €63,017 to €69,509
mainly Net result for the year (+€6,605) and Accrued charges and deferred income (+€30)
- Reserves +€6,605
up €6,605 (+20.3%), from €32,585 to €39,190
of which Distributable reserves: +€6,605
- Gross operating margin +€716
up €716 (+5.7%), from €12,551 to €13,267
- Taxes +€280
up €280 (+9.9%), from €2,829 to €3,109
- Financial income +€269
up €269 (+152%), from €177 to €446
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 | €68,369 | €74,864 | +€6,495 | +9.5% |
| Fixed assets | 21/28 | €5,000 | €5,000 | = | 0.0% |
| Tangible fixed assets | 22/27 | €5,000 | €5,000 | = | 0.0% |
| Land and buildings | 22 | €5,000 | €5,000 | = | 0.0% |
| Current assets | 29/58 | €63,369 | €69,864 | +€6,495 | +10.2% |
| Cash at bank and in hand | 54/58 | €63,017 | €69,509 | +€6,492 | +10.3% |
| Deferred charges and accrued income | 490/1 | €352 | €355 | +€3 | +0.8% |
| Total equity and liabilities | 10/49 | €68,369 | €74,864 | +€6,495 | +9.5% |
| Equity | 10/15 | €63,637 | €70,242 | +€6,605 | +10.4% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €32,585 | €39,190 | +€6,605 | +20.3% |
| Non-distributable reserves | 130/1 | €0 | - | = | |
| Reserves not available under the articles | 1311 | €0 | - | = | |
| Distributable reserves | 133 | €32,585 | €39,190 | +€6,605 | +20.3% |
| Profit (loss) carried forward | 14 | €12,452 | €12,452 | = | 0.0% |
| Amounts payable | 17/49 | €4,733 | €4,622 | -€110 | -2.3% |
| Amounts payable within one year | 42/48 | €3,741 | €3,601 | -€140 | -3.7% |
| Trade debts | 44 | €194 | €155 | -€38 | -19.7% |
| Suppliers | 440/4 | €194 | €155 | -€38 | -19.7% |
| Taxes, remuneration and social security | 45 | €2,853 | €2,751 | -€102 | -3.6% |
| Taxes | 450/3 | €2,853 | €2,751 | -€102 | -3.6% |
| Other amounts payable | 47/48 | €695 | €695 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €991 | €1,021 | +€30 | +3.0% |
| Other operating charges | 640/8 | €3,743 | €3,842 | +€99 | +2.6% |
| Gross operating margin | 9900 | €12,551 | €13,267 | +€716 | +5.7% |
| Operating profit (loss) | 9901 | €8,809 | €9,426 | +€617 | +7.0% |
| Financial income | 75/76B | €177 | €446 | +€269 | +152% |
| Recurring financial income | 75 | €177 | €446 | +€269 | +152% |
| Financial charges | 65/66B | €135 | €157 | +€22 | +16.2% |
| Recurring financial charges | 65 | €135 | €157 | +€22 | +16.2% |
| Profit (loss) for the period before taxes | 9903 | €8,850 | €9,714 | +€864 | +9.8% |
| Income taxes | 67/77 | €2,829 | €3,109 | +€280 | +9.9% |
| Profit (loss) for the period | 9904 | €6,021 | €6,605 | +€584 | +9.7% |
| Profit (loss) for the period to be appropriated | 9905 | €6,021 | €6,605 | +€584 | +9.7% |
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 27 October 2026 via checked.be.