SELFBANK: 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.
SELFBANK
Largest movements
- Tangible fixed assets +€937,209
up €937,209 (+57.3%), from €1.6m to €2.6m
of which Land and buildings: +€930,065
- Debts after one year +€676,560
up €676,560 (+51.6%), from €1.3m to €2.0m
- Other debts +€343,548
up €343,548 (+87.6%), from €392,110 to €735,657
- Profit (loss) carried forward -€94,230
down €94,230 (-59.2%), from -€159,215 to -€253,445
- Trade debts -€27,832
down €27,832 (-82.1%), from €33,889 to €6,056
- Gross operating margin +€170,134
up €170,134, from -€92,928 to €77,206
- Financial charges +€60,648
up €60,648 (+275.9%), from €21,983 to €82,631
- Depreciation +€42,752
up €42,752 (+130.6%), from €32,747 to €75,499
- Other operating charges +€1,946
up €1,946 (+16.8%), from €11,557 to €13,503
From the 2023 result to the 2024 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 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,704,289 | €2,642,521 | +€938,232 | +55.1% |
| Fixed assets | 21/28 | €1,635,478 | €2,572,687 | +€937,209 | +57.3% |
| Tangible fixed assets | 22/27 | €1,635,478 | €2,572,687 | +€937,209 | +57.3% |
| Land and buildings | 22 | €1,631,309 | €2,561,374 | +€930,065 | +57.0% |
| Plant, machinery and equipment | 23 | - | €8,217 | +€8,217 | |
| Furniture and vehicles | 24 | €4,170 | €3,097 | -€1,073 | -25.7% |
| Current assets | 29/58 | €68,810 | €69,834 | +€1,023 | +1.5% |
| Amounts receivable within one year | 40/41 | €20,411 | €23,193 | +€2,782 | +13.6% |
| Trade receivables | 40 | €15,000 | €0 | -€15,000 | -100.0% |
| Other amounts receivable | 41 | €5,411 | €23,193 | +€17,782 | +328.6% |
| Cash at bank and in hand | 54/58 | €47,459 | €45,661 | -€1,797 | -3.8% |
| Deferred charges and accrued income | 490/1 | €940 | €980 | +€39 | +4.2% |
| Total equity and liabilities | 10/49 | €1,704,289 | €2,642,521 | +€938,232 | +55.1% |
| Equity | 10/15 | -€144,215 | -€238,445 | -€94,230 | -65.3% |
| Contributions | 10/11 | €15,000 | €15,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€159,215 | -€253,445 | -€94,230 | -59.2% |
| Amounts payable | 17/49 | €1,848,504 | €2,880,966 | +€1.0m | +55.9% |
| Amounts payable after more than one year | 17 | €1,310,661 | €1,987,220 | +€676,560 | +51.6% |
| Financial debts | 170/4 | €1,310,661 | €1,987,220 | +€676,560 | +51.6% |
| Amounts payable within one year | 42/48 | €501,699 | €841,427 | +€339,728 | +67.7% |
| Current portion of amounts payable after more than one year | 42 | €75,700 | €85,922 | +€10,222 | +13.5% |
| Trade debts | 44 | €33,889 | €6,056 | -€27,832 | -82.1% |
| Suppliers | 440/4 | €33,889 | €6,056 | -€27,832 | -82.1% |
| Advances received on contracts in progress | 46 | - | €13,791 | +€13,791 | |
| Other amounts payable | 47/48 | €392,110 | €735,657 | +€343,548 | +87.6% |
| Accrued charges and deferred income | 492/3 | €36,144 | €52,318 | +€16,175 | +44.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €32,747 | €75,499 | +€42,752 | +130.6% |
| Other operating charges | 640/8 | €11,557 | €13,503 | +€1,946 | +16.8% |
| Gross operating margin | 9900 | -€92,928 | €77,206 | +€170,134 | |
| Operating profit (loss) | 9901 | -€137,232 | -€11,796 | +€125,435 | +91.4% |
| Financial income | 75/76B | - | €197 | +€197 | |
| Recurring financial income | 75 | - | €197 | +€197 | |
| Financial charges | 65/66B | €21,983 | €82,631 | +€60,648 | +275.9% |
| Recurring financial charges | 65 | €21,983 | €82,631 | +€60,648 | +275.9% |
| Profit (loss) for the period before taxes | 9903 | -€159,215 | -€94,230 | +€64,985 | +40.8% |
| Profit (loss) for the period | 9904 | -€159,215 | -€94,230 | +€64,985 | +40.8% |
| Profit (loss) for the period to be appropriated | 9905 | -€159,215 | -€94,230 | +€64,985 | +40.8% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 4 October 2026 via checked.be.