SCHYNARO: 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.
What changed
SCHYNARO
NACE 47.716, Retail sale of clothing and accessories for women, men, children and babies (general range)
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
-€1,512
2024 · -€4,277+€2,766
Equity
€24,940
2024 · €26,452-€1,512
Cash
€6,038
2024 · €4,746+€1,292
Balance sheet total
€132,036
2024 · €148,476-€16,439
Largest movements
Assets
- Tangible fixed assets -€19,443
down €19,443 (-14.7%), from €132,060 to €112,617
of which Furniture and vehicles: -€18,106
Equity and liabilities
- Debts after one year -€17,957
down €17,957 (-30.2%), from €59,413 to €41,456
- Tax, wage and social debts -€3,833
down €3,833 (-100%), from €3,833 to €0
- Other debts +€3,564
up €3,564 (+18.6%), from €19,184 to €22,749
- Trade debts +€3,544
up €3,544 (+1,165%), from €304 to €3,848
Income statement
- Other operating charges -€2,273
down €2,273 (-20.9%), from €10,860 to €8,587
- Gross operating margin +€1,476
up €1,476 (+4.6%), from €31,737 to €33,213
- Depreciation +€1,405
up €1,405 (+6.3%), from €22,265 to €23,670
- Taxes -€391
down €391 (-60.4%), from €648 to €257
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.
Result 2024
-€4,277
Gross operating margin
+€1,476
Depreciation
-€1,405
Other operating charges
+€2,273
Financial income
-€42
Financial charges
+€73
Taxes
+€391
Result 2025
-€1,512
raises the resultlowers the result
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.
From operations
+€22,773
Investment
-€4,227
Financing
-€17,254
Cash 2024
€4,746
From operations (derived)
+€22,773
Net result for the year
-€1,512
Depreciation
+€23,670
Receivables within one year
-€1,440
Deferred charges and accrued income
-€272
Provisions
-€585
Trade debts
+€3,544
Tax, wage and social debts
-€3,833
Advances received
-€943
Other debts
+€3,564
Accrued charges and deferred income
+€580
Investment (derived)
-€4,227
Investment in fixed assets (net)
-€4,227
Financing
-€17,254
Debts after one year
-€17,957
Current portion of long-term debt
+€703
Cash 2025
€6,038
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €148,476 | €132,036 | -€16,439 | -11.1% |
| Fixed assets | 21/28 | €132,308 | €112,865 | -€19,443 | -14.7% |
| Tangible fixed assets | 22/27 | €132,060 | €112,617 | -€19,443 | -14.7% |
| Land and buildings | 22 | €37,617 | €37,617 | = | 0.0% |
| Plant, machinery and equipment | 23 | €20,784 | €19,447 | -€1,337 | -6.4% |
| Furniture and vehicles | 24 | €73,660 | €55,554 | -€18,106 | -24.6% |
| Financial fixed assets | 28 | €248 | €248 | = | 0.0% |
| Current assets | 29/58 | €16,168 | €19,171 | +€3,004 | +18.6% |
| Amounts receivable within one year | 40/41 | €11,059 | €12,499 | +€1,440 | +13.0% |
| Trade receivables | 40 | €9,407 | €11,224 | +€1,818 | +19.3% |
| Other amounts receivable | 41 | €1,652 | €1,274 | -€378 | -22.9% |
| Cash at bank and in hand | 54/58 | €4,746 | €6,038 | +€1,292 | +27.2% |
| Deferred charges and accrued income | 490/1 | €362 | €634 | +€272 | +75.1% |
| Total equity and liabilities | 10/49 | €148,476 | €132,036 | -€16,439 | -11.1% |
| Equity | 10/15 | €26,452 | €24,940 | -€1,512 | -5.7% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €22,684 | €21,290 | -€1,394 | -6.1% |
| Tax-exempt reserves | 132 | €9,631 | €8,237 | -€1,394 | -14.5% |
| Distributable reserves | 133 | €13,053 | €13,053 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€2,432 | -€2,550 | -€118 | -4.9% |
| Provisions and deferred taxes | 16 | €2,341 | €1,756 | -€585 | -25.0% |
| Deferred taxes | 168 | €2,341 | €1,756 | -€585 | -25.0% |
| Amounts payable | 17/49 | €119,682 | €105,340 | -€14,342 | -12.0% |
| Amounts payable after more than one year | 17 | €59,413 | €41,456 | -€17,957 | -30.2% |
| Financial debts | 170/4 | €59,413 | €41,456 | -€17,957 | -30.2% |
| Amounts payable within one year | 42/48 | €59,127 | €62,162 | +€3,035 | +5.1% |
| Current portion of amounts payable after more than one year | 42 | €17,254 | €17,957 | +€703 | +4.1% |
| Trade debts | 44 | €304 | €3,848 | +€3,544 | +1,165% |
| Suppliers | 440/4 | €304 | €3,848 | +€3,544 | +1,165% |
| Advances received on contracts in progress | 46 | €18,552 | €17,609 | -€943 | -5.1% |
| Taxes, remuneration and social security | 45 | €3,833 | €0 | -€3,833 | -100% |
| Taxes | 450/3 | €3,833 | €0 | -€3,833 | -100% |
| Other amounts payable | 47/48 | €19,184 | €22,749 | +€3,564 | +18.6% |
| Accrued charges and deferred income | 492/3 | €1,142 | €1,722 | +€580 | +50.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €22,265 | €23,670 | +€1,405 | +6.3% |
| Other operating charges | 640/8 | €10,860 | €8,587 | -€2,273 | -20.9% |
| Gross operating margin | 9900 | €31,737 | €33,213 | +€1,476 | +4.6% |
| Operating profit (loss) | 9901 | -€1,388 | €956 | +€2,344 | |
| Financial income | 75/76B | €44 | €1 | -€42 | -96.7% |
| Recurring financial income | 75 | €44 | €1 | -€42 | -96.7% |
| Financial charges | 65/66B | €2,870 | €2,798 | -€73 | -2.5% |
| Recurring financial charges | 65 | €2,870 | €2,798 | -€73 | -2.5% |
| Profit (loss) for the period before taxes | 9903 | -€4,215 | -€1,840 | +€2,374 | +56.3% |
| Transfer from deferred taxes | 780 | €585 | €585 | = | 0.0% |
| Income taxes | 67/77 | €648 | €257 | -€391 | -60.4% |
| Profit (loss) for the period | 9904 | -€4,277 | -€1,512 | +€2,766 | +64.7% |
| Transfer from tax-exempt reserves | 789 | €1,394 | €1,394 | = | 0.0% |
| Profit (loss) for the period to be appropriated | 9905 | -€2,884 | -€118 | +€2,766 | +95.9% |
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 14 October 2026 via checked.be.