SEB Intern: what changed
Two fiscal 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 Intern
Largest movements
- Tangible fixed assets -€6,838
down €6,838 (-22.2%), from €30,860 to €24,022
of which Furniture and vehicles: -€5,305
- Receivables within one year -€1,875
down €1,875 (-78.1%), from €2,402 to €527
of which Trade receivables: -€1,079
- Stocks and contracts -€1,865
down €1,865 (-15.0%), from €12,423 to €10,558
- Profit (loss) carried forward -€8,638
down €8,638 (-48.4%), from -€17,834 to -€26,472
- Trade debts -€3,806
down €3,806 (-48.3%), from €7,884 to €4,078
- Other debts +€1,992
up €1,992 (+4.8%), from €41,537 to €43,529
- Gross operating margin -€5,509
down €5,509 (-47.9%), from €11,492 to €5,983
- Other operating charges +€4,263
up €4,263 (+613.6%), from €695 to €4,958
- Depreciation +€3,507
up €3,507 (+105.3%), from €3,331 to €6,838
- Taxes +€2,520
up €2,520 (+2232.2%), from €113 to €2,633
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.
Cash bridge derived
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 | €58,275 | €48,285 | -€9,989 | -17.1% |
| Fixed assets | 21/28 | €30,860 | €24,022 | -€6,838 | -22.2% |
| Tangible fixed assets | 22/27 | €30,860 | €24,022 | -€6,838 | -22.2% |
| Furniture and vehicles | 24 | €24,726 | €19,421 | -€5,305 | -21.5% |
| Other tangible fixed assets | 26 | €6,134 | €4,601 | -€1,533 | -25.0% |
| Current assets | 29/58 | €27,415 | €24,264 | -€3,151 | -11.5% |
| Stocks and contracts in progress | 3 | €12,423 | €10,558 | -€1,865 | -15.0% |
| Stocks | 30/36 | €12,423 | €10,558 | -€1,865 | -15.0% |
| Amounts receivable within one year | 40/41 | €2,402 | €527 | -€1,875 | -78.1% |
| Trade receivables | 40 | €1,339 | €260 | -€1,079 | -80.6% |
| Other amounts receivable | 41 | €1,063 | €267 | -€796 | -74.9% |
| Cash at bank and in hand | 54/58 | €11,945 | €12,343 | +€398 | +3.3% |
| Deferred charges and accrued income | 490/1 | €646 | €836 | +€190 | +29.5% |
| Total equity and liabilities | 10/49 | €58,275 | €48,285 | -€9,989 | -17.1% |
| Equity | 10/15 | €1,626 | -€7,012 | -€8,638 | |
| Contributions | 10/11 | €19,000 | €19,000 | = | 0.0% |
| Reserves | 13 | €460 | €460 | = | 0.0% |
| Non-distributable reserves | 130/1 | €460 | - | -€460 | |
| Reserves not available under the articles | 1311 | €460 | - | -€460 | |
| Distributable reserves | 133 | - | €460 | +€460 | |
| Profit (loss) carried forward | 14 | -€17,834 | -€26,472 | -€8,638 | -48.4% |
| Amounts payable | 17/49 | €56,648 | €55,297 | -€1,351 | -2.4% |
| Amounts payable after more than one year | 17 | €7,000 | €7,000 | = | 0.0% |
| Other amounts payable | 178/9 | €7,000 | €7,000 | = | 0.0% |
| Amounts payable within one year | 42/48 | €49,648 | €48,297 | -€1,351 | -2.7% |
| Trade debts | 44 | €7,884 | €4,078 | -€3,806 | -48.3% |
| Suppliers | 440/4 | €7,884 | €4,078 | -€3,806 | -48.3% |
| Taxes, remuneration and social security | 45 | €228 | €690 | +€462 | +203.1% |
| Taxes | 450/3 | €228 | €690 | +€462 | +203.1% |
| Other amounts payable | 47/48 | €41,537 | €43,529 | +€1,992 | +4.8% |
| Non-recurring operating income | 76A | €13 | - | -€13 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,331 | €6,838 | +€3,507 | +105.3% |
| Other operating charges | 640/8 | €695 | €4,958 | +€4,263 | +613.6% |
| Gross operating margin | 9900 | €11,492 | €5,983 | -€5,509 | -47.9% |
| Operating profit (loss) | 9901 | €7,467 | -€5,813 | -€13,280 | |
| Financial income | 75/76B | - | €0 | +€0 | |
| Recurring financial income | 75 | - | €0 | +€0 | |
| Financial charges | 65/66B | €242 | €192 | -€50 | -20.5% |
| Recurring financial charges | 65 | €242 | €192 | -€50 | -20.5% |
| Profit (loss) for the period before taxes | 9903 | €7,225 | -€6,005 | -€13,230 | |
| Income taxes | 67/77 | €113 | €2,633 | +€2,520 | +2232.2% |
| Profit (loss) for the period | 9904 | €7,112 | -€8,638 | -€15,750 | |
| Profit (loss) for the period to be appropriated | 9905 | €7,112 | -€8,638 | -€15,750 |
Source: filed annual accounts (NBB), fiscal years ended 31 March 2024 and 31 March 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 3 October 2026 via checked.be.