SEB BUILDING: 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.
SEB BUILDING
Largest movements
- Receivables within one year +€95,735
up €95,735 (+12.3%), from €776,544 to €872,279
of which Other amounts receivable: +€204,222
- Profit (loss) carried forward +€129,347
up €129,347 (+75.1%), from -€172,249 to -€42,902
- Provisions -€40,000
down €40,000 (-100%), from €40,000 to €0
- Gross operating margin +€115,493
up €115,493, from -€13,472 to €102,021
- Provisions -€40,000
new in 2025: -€40,000
- Taxes -€1,082
down €1,082 (-100%), from €1,082 to €0
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 | €944,696 | €1,036,405 | +€91,709 | +9.7% |
| Fixed assets | 21/28 | €164,059 | €162,000 | -€2,059 | -1.3% |
| Financial fixed assets | 28 | €164,059 | €162,000 | -€2,059 | -1.3% |
| Current assets | 29/58 | €780,638 | €874,405 | +€93,768 | +12.0% |
| Amounts receivable within one year | 40/41 | €776,544 | €872,279 | +€95,735 | +12.3% |
| Trade receivables | 40 | €120,392 | €11,905 | -€108,487 | -90.1% |
| Other amounts receivable | 41 | €656,152 | €860,374 | +€204,222 | +31.1% |
| Cash at bank and in hand | 54/58 | €4,094 | €2,126 | -€1,968 | -48.1% |
| Total equity and liabilities | 10/49 | €944,696 | €1,036,405 | +€91,709 | +9.7% |
| Equity | 10/15 | €13,211 | €142,558 | +€129,347 | +979% |
| Contributions | 10/11 | €168,600 | €168,600 | = | 0.0% |
| Reserves | 13 | €16,860 | €16,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €16,860 | €16,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €16,860 | €16,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€172,249 | -€42,902 | +€129,347 | +75.1% |
| Provisions and deferred taxes | 16 | €40,000 | €0 | -€40,000 | -100% |
| Provisions for liabilities and charges | 160/5 | €40,000 | €0 | -€40,000 | -100% |
| Environmental obligations | 163 | - | €0 | = | |
| Other liabilities and charges | 164/5 | €40,000 | - | -€40,000 | |
| Amounts payable | 17/49 | €891,485 | €893,847 | +€2,362 | +0.3% |
| Amounts payable within one year | 42/48 | €891,485 | €893,847 | +€2,362 | +0.3% |
| Trade debts | 44 | €378 | €386 | +€8 | +2.0% |
| Suppliers | 440/4 | €378 | €386 | +€8 | +2.0% |
| Taxes, remuneration and social security | 45 | €2,747 | €0 | -€2,747 | -100% |
| Taxes | 450/3 | €2,747 | €0 | -€2,747 | -100% |
| Other amounts payable | 47/48 | €888,360 | €893,461 | +€5,101 | +0.6% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | - | -€40,000 | -€40,000 | |
| Other operating charges | 640/8 | €1,128 | €193 | -€935 | -82.9% |
| Non-recurring operating charges | 66A | - | €2,729 | +€2,729 | |
| Gross operating margin | 9900 | -€13,472 | €102,021 | +€115,493 | |
| Operating profit (loss) | 9901 | -€14,600 | €139,100 | +€153,699 | |
| Financial charges | 65/66B | €10,313 | €9,752 | -€561 | -5.4% |
| Recurring financial charges | 65 | €10,313 | €9,752 | -€561 | -5.4% |
| Profit (loss) for the period before taxes | 9903 | -€24,913 | €129,347 | +€154,260 | |
| Income taxes | 67/77 | €1,082 | €0 | -€1,082 | -100% |
| Profit (loss) for the period | 9904 | -€25,994 | €129,347 | +€155,342 | |
| Profit (loss) for the period to be appropriated | 9905 | -€25,994 | €129,347 | +€155,342 |
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 24 October 2026 via checked.be.