SFH Architectes: 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.
SFH Architectes
Largest movements
- Cash -€2,700
down €2,700 (-11.3%), from €23,853 to €21,153
mainly Other debts (-€10,000) and Debts after one year (-€7,121)
- Profit (loss) carried forward +€16,472
up €16,472 (+30.3%), from €54,325 to €70,797
- Other debts -€10,000
down €10,000 (-33.3%), from €30,000 to €20,000
- Debts after one year -€7,121
down €7,121 (-23.5%), from €30,252 to €23,131
- Accrued charges and deferred income +€5,000
up €5,000 (+100%), from €5,000 to €10,000
- Current portion of long-term debt -€4,724
down €4,724 (-28.0%), from €16,845 to €12,121
- Financial income +€14,136
up €14,136 (+2,133%), from €663 to €14,799
- Gross operating margin -€11,988
down €11,988 (-60.8%), from €19,719 to €7,730
- Taxes -€2,829
down €2,829 (-50.1%), from €5,649 to €2,820
- Other operating charges -€569
down €569 (-58.7%), from €968 to €400
- Financial charges -€373
down €373 (-14.6%), from €2,549 to €2,175
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 | €148,784 | €147,125 | -€1,659 | -1.1% |
| Fixed assets | 21/28 | €101,141 | €100,912 | -€228 | -0.2% |
| Tangible fixed assets | 22/27 | €1,141 | €912 | -€228 | -20.0% |
| Furniture and vehicles | 24 | €1,141 | €912 | -€228 | -20.0% |
| Financial fixed assets | 28 | €100,000 | €100,000 | = | 0.0% |
| Current assets | 29/58 | €47,643 | €46,213 | -€1,430 | -3.0% |
| Amounts receivable within one year | 40/41 | €23,036 | €24,053 | +€1,016 | +4.4% |
| Trade receivables | 40 | €8,177 | €6,553 | -€1,624 | -19.9% |
| Other amounts receivable | 41 | €14,859 | €17,500 | +€2,640 | +17.8% |
| Cash at bank and in hand | 54/58 | €23,853 | €21,153 | -€2,700 | -11.3% |
| Deferred charges and accrued income | 490/1 | €754 | €1,008 | +€254 | +33.6% |
| Total equity and liabilities | 10/49 | €148,784 | €147,125 | -€1,659 | -1.1% |
| Equity | 10/15 | €57,325 | €73,797 | +€16,472 | +28.7% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €54,325 | €70,797 | +€16,472 | +30.3% |
| Amounts payable | 17/49 | €91,459 | €73,329 | -€18,131 | -19.8% |
| Amounts payable after more than one year | 17 | €30,252 | €23,131 | -€7,121 | -23.5% |
| Financial debts | 170/4 | €30,252 | €23,131 | -€7,121 | -23.5% |
| Amounts payable within one year | 42/48 | €56,207 | €40,197 | -€16,010 | -28.5% |
| Current portion of amounts payable after more than one year | 42 | €16,845 | €12,121 | -€4,724 | -28.0% |
| Trade debts | 44 | €1,789 | €904 | -€885 | -49.5% |
| Suppliers | 440/4 | €1,789 | €904 | -€885 | -49.5% |
| Taxes, remuneration and social security | 45 | €7,574 | €7,173 | -€401 | -5.3% |
| Taxes | 450/3 | €7,382 | €7,173 | -€209 | -2.8% |
| Remuneration and social security | 454/9 | €192 | €0 | -€192 | -100% |
| Other amounts payable | 47/48 | €30,000 | €20,000 | -€10,000 | -33.3% |
| Accrued charges and deferred income | 492/3 | €5,000 | €10,000 | +€5,000 | +100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €586 | €663 | +€76 | +13.0% |
| Other operating charges | 640/8 | €968 | €400 | -€569 | -58.7% |
| Gross operating margin | 9900 | €19,719 | €7,730 | -€11,988 | -60.8% |
| Operating profit (loss) | 9901 | €18,164 | €6,668 | -€11,496 | -63.3% |
| Financial income | 75/76B | €663 | €14,799 | +€14,136 | +2,133% |
| Recurring financial income | 75 | €663 | €14,799 | +€14,136 | +2,133% |
| Financial charges | 65/66B | €2,549 | €2,175 | -€373 | -14.6% |
| Recurring financial charges | 65 | €2,549 | €2,175 | -€373 | -14.6% |
| Profit (loss) for the period before taxes | 9903 | €16,278 | €19,292 | +€3,014 | +18.5% |
| Income taxes | 67/77 | €5,649 | €2,820 | -€2,829 | -50.1% |
| Profit (loss) for the period | 9904 | €10,629 | €16,472 | +€5,843 | +55.0% |
| Profit (loss) for the period to be appropriated | 9905 | €10,629 | €16,472 | +€5,843 | +55.0% |
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 1 November 2026 via checked.be.