SFconsult4U: 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.
SFconsult4U
Largest movements
- Cash +€17,329
up €17,329 (+4.9%), from €354,218 to €371,547
mainly Net result for the year (+€90,876) and Other debts (+€16,963)
- Receivables within one year +€9,254
up €9,254 (+65.7%), from €14,091 to €23,345
of which Trade receivables: +€11,126
- Profit (loss) carried forward +€90,876
up €90,876 (+454380450.0%), from €0 to €90,876
- Tax, wage and social debts -€49,198
down €49,198 (-91.3%), from €53,902 to €4,704
- Reserves -€34,098
down €34,098 (-11.0%), from €308,840 to €274,742
- Other debts +€16,963
up €16,963 (+220.0%), from €7,710 to €24,673
- Gross operating margin +€16,696
up €16,696 (+16.5%), from €100,955 to €117,651
- Taxes -€3,130
down €3,130 (-11.7%), from €26,743 to €23,612
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 | €377,452 | €400,945 | +€23,492 | +6.2% |
| Fixed assets | 21/28 | €9,143 | €6,052 | -€3,091 | -33.8% |
| Tangible fixed assets | 22/27 | €9,143 | €6,052 | -€3,091 | -33.8% |
| Furniture and vehicles | 24 | €9,143 | €6,052 | -€3,091 | -33.8% |
| Current assets | 29/58 | €368,309 | €394,893 | +€26,584 | +7.2% |
| Amounts receivable within one year | 40/41 | €14,091 | €23,345 | +€9,254 | +65.7% |
| Trade receivables | 40 | €10,831 | €21,957 | +€11,126 | +102.7% |
| Other amounts receivable | 41 | €3,260 | €1,388 | -€1,872 | -57.4% |
| Cash at bank and in hand | 54/58 | €354,218 | €371,547 | +€17,329 | +4.9% |
| Total equity and liabilities | 10/49 | €377,452 | €400,945 | +€23,492 | +6.2% |
| Equity | 10/15 | €313,840 | €370,618 | +€56,778 | +18.1% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €308,840 | €274,742 | -€34,098 | -11.0% |
| Distributable reserves | 133 | €308,840 | €274,742 | -€34,098 | -11.0% |
| Profit (loss) carried forward | 14 | €0 | €90,876 | +€90,876 | +454380450.0% |
| Amounts payable | 17/49 | €63,612 | €30,327 | -€33,286 | -52.3% |
| Amounts payable within one year | 42/48 | €63,612 | €30,327 | -€33,286 | -52.3% |
| Trade debts | 44 | €2,000 | €949 | -€1,051 | -52.5% |
| Suppliers | 440/4 | €2,000 | €949 | -€1,051 | -52.5% |
| Taxes, remuneration and social security | 45 | €53,902 | €4,704 | -€49,198 | -91.3% |
| Taxes | 450/3 | €53,902 | €4,704 | -€49,198 | -91.3% |
| Other amounts payable | 47/48 | €7,710 | €24,673 | +€16,963 | +220.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,073 | €3,091 | +€19 | +0.6% |
| Other operating charges | 640/8 | €387 | €400 | +€12 | +3.2% |
| Gross operating margin | 9900 | €100,955 | €117,651 | +€16,696 | +16.5% |
| Operating profit (loss) | 9901 | €97,495 | €114,160 | +€16,665 | +17.1% |
| Financial income | 75/76B | - | €494 | +€494 | |
| Recurring financial income | 75 | - | €494 | +€494 | |
| Financial charges | 65/66B | €137 | €166 | +€29 | +20.9% |
| Recurring financial charges | 65 | €137 | €166 | +€29 | +20.9% |
| Profit (loss) for the period before taxes | 9903 | €97,358 | €114,488 | +€17,130 | +17.6% |
| Income taxes | 67/77 | €26,743 | €23,612 | -€3,130 | -11.7% |
| Profit (loss) for the period | 9904 | €70,615 | €90,876 | +€20,261 | +28.7% |
| Profit (loss) for the period to be appropriated | 9905 | €70,615 | €90,876 | +€20,261 | +28.7% |
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 11 October 2026 via checked.be.