Self Invest: 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.
Self Invest
Largest movements
- Current investments -€8,402
no longer reported in 2025 (was €8,402)
- Receivables within one year -€3,796
down €3,796 (-32.2%), from €11,796 to €8,000
of which Trade receivables: -€2,000
- Cash +€3,620
up €3,620 (+71.0%), from €5,102 to €8,722
mainly Current investments (+€8,402) and Receivables within one year (+€3,796)
- Formation expenses -€1,439
down €1,439 (-100%), from €1,439 to €0
- Tangible fixed assets +€1,140
new in 2025: €1,140
- Tax, wage and social debts -€3,327
down €3,327 (-32.5%), from €10,238 to €6,911
- Other debts -€2,987
down €2,987 (-58.9%), from €5,074 to €2,087
- Trade debts -€1,931
down €1,931 (-73.0%), from €2,647 to €715
- Profit (loss) carried forward -€1,590
down €1,590, from €0 to -€1,590
- Gross operating margin -€6,398
down €6,398 (-58.5%), from €10,941 to €4,543
- Financial charges +€1,491
up €1,491 (+4,113%), from €36 to €1,528
- Depreciation +€1,317
up €1,317 (+316%), from €417 to €1,734
- Taxes +€252
up €252 (+10.4%), from €2,416 to €2,668
- Staff costs +€250
new in 2025: €250
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 | €27,698 | €17,862 | -€9,836 | -35.5% |
| Formation expenses | 20 | €1,439 | €0 | -€1,439 | -100% |
| Fixed assets | 21/28 | - | €1,140 | +€1,140 | |
| Tangible fixed assets | 22/27 | - | €1,140 | +€1,140 | |
| Plant, machinery and equipment | 23 | - | €1,140 | +€1,140 | |
| Current assets | 29/58 | €26,259 | €16,722 | -€9,537 | -36.3% |
| Amounts receivable within one year | 40/41 | €11,796 | €8,000 | -€3,796 | -32.2% |
| Trade receivables | 40 | €10,000 | €8,000 | -€2,000 | -20.0% |
| Other amounts receivable | 41 | €1,796 | €0 | -€1,796 | -100% |
| Current investments | 50/53 | €8,402 | - | -€8,402 | |
| Cash at bank and in hand | 54/58 | €5,102 | €8,722 | +€3,620 | +71.0% |
| Deferred charges and accrued income | 490/1 | €960 | €0 | -€960 | -100% |
| Total equity and liabilities | 10/49 | €27,698 | €17,862 | -€9,836 | -35.5% |
| Equity | 10/15 | €9,739 | €8,149 | -€1,590 | -16.3% |
| Contributions | 10/11 | €2,500 | €2,500 | = | 0.0% |
| Reserves | 13 | €7,239 | €7,239 | = | 0.0% |
| Distributable reserves | 133 | €7,239 | €7,239 | = | 0.0% |
| Profit (loss) carried forward | 14 | €0 | -€1,590 | -€1,590 | |
| Amounts payable | 17/49 | €17,959 | €9,713 | -€8,246 | -45.9% |
| Amounts payable within one year | 42/48 | €17,959 | €9,713 | -€8,246 | -45.9% |
| Trade debts | 44 | €2,647 | €715 | -€1,931 | -73.0% |
| Suppliers | 440/4 | €2,647 | €715 | -€1,931 | -73.0% |
| Taxes, remuneration and social security | 45 | €10,238 | €6,911 | -€3,327 | -32.5% |
| Taxes | 450/3 | €10,238 | €6,911 | -€3,327 | -32.5% |
| Other amounts payable | 47/48 | €5,074 | €2,087 | -€2,987 | -58.9% |
| Remuneration, social security and pensions | 62 | - | €250 | +€250 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €417 | €1,734 | +€1,317 | +316% |
| Gross operating margin | 9900 | €10,941 | €4,543 | -€6,398 | -58.5% |
| Operating profit (loss) | 9901 | €10,525 | €2,559 | -€7,965 | -75.7% |
| Financial income | 75/76B | - | €46 | +€46 | |
| Recurring financial income | 75 | - | €46 | +€46 | |
| Financial charges | 65/66B | €36 | €1,528 | +€1,491 | +4,113% |
| Recurring financial charges | 65 | €36 | €1,528 | +€1,491 | +4,113% |
| Profit (loss) for the period before taxes | 9903 | €10,488 | €1,078 | -€9,410 | -89.7% |
| Income taxes | 67/77 | €2,416 | €2,668 | +€252 | +10.4% |
| Profit (loss) for the period | 9904 | €8,072 | -€1,590 | -€9,662 | |
| Profit (loss) for the period to be appropriated | 9905 | €8,072 | -€1,590 | -€9,662 |
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 16 October 2026 via checked.be.