SJ Wonen: 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.
SJ Wonen
Largest movements
- Tangible fixed assets +€23,057
up €23,057 (+686%), from €3,360 to €26,417
of which Plant, machinery and equipment: +€23,233
- Cash -€15,966
down €15,966 (-11.3%), from €141,285 to €125,320
mainly Investment in fixed assets (net) (-€34,643) and Receivables after one year (-€12,500)
- Receivables after one year +€12,500
up €12,500 (+3.5%), from €355,000 to €367,500
- Receivables within one year -€10,014
down €10,014 (-37.9%), from €26,440 to €16,426
of which Trade receivables: -€8,182
- Financial fixed assets +€7,500
up €7,500 (+32.1%), from €23,400 to €30,900
- Accrued charges and deferred income +€18,292
up €18,292 (+97.1%), from €18,839 to €37,131
- Gross operating margin +€1,737
up €1,737 (+7.3%), from €23,896 to €25,633
- Depreciation +€1,498
up €1,498 (+57.9%), from €2,588 to €4,086
- Financial charges +€513
up €513 (+2.7%), from €18,753 to €19,266
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 | €550,240 | €567,887 | +€17,647 | +3.2% |
| Fixed assets | 21/28 | €26,760 | €57,317 | +€30,557 | +114% |
| Tangible fixed assets | 22/27 | €3,360 | €26,417 | +€23,057 | +686% |
| Plant, machinery and equipment | 23 | - | €23,233 | +€23,233 | |
| Furniture and vehicles | 24 | €3,360 | €3,184 | -€176 | -5.2% |
| Financial fixed assets | 28 | €23,400 | €30,900 | +€7,500 | +32.1% |
| Current assets | 29/58 | €523,481 | €510,570 | -€12,911 | -2.5% |
| Amounts receivable after more than one year | 29 | €355,000 | €367,500 | +€12,500 | +3.5% |
| Other amounts receivable | 291 | €355,000 | €367,500 | +€12,500 | +3.5% |
| Amounts receivable within one year | 40/41 | €26,440 | €16,426 | -€10,014 | -37.9% |
| Trade receivables | 40 | €23,182 | €15,000 | -€8,182 | -35.3% |
| Other amounts receivable | 41 | €3,259 | €1,426 | -€1,832 | -56.2% |
| Cash at bank and in hand | 54/58 | €141,285 | €125,320 | -€15,966 | -11.3% |
| Deferred charges and accrued income | 490/1 | €755 | €1,324 | +€569 | +75.4% |
| Total equity and liabilities | 10/49 | €550,240 | €567,887 | +€17,647 | +3.2% |
| Equity | 10/15 | €270,362 | €271,232 | +€870 | +0.3% |
| Contributions | 10/11 | €268,600 | €268,600 | = | 0.0% |
| Reserves | 13 | €1,762 | €2,632 | +€870 | +49.3% |
| Distributable reserves | 133 | €1,762 | €2,632 | +€870 | +49.3% |
| Amounts payable | 17/49 | €279,878 | €296,655 | +€16,777 | +6.0% |
| Amounts payable after more than one year | 17 | €250,000 | €250,000 | = | 0.0% |
| Other amounts payable | 178/9 | €250,000 | €250,000 | = | 0.0% |
| Amounts payable within one year | 42/48 | €11,039 | €9,524 | -€1,515 | -13.7% |
| Trade debts | 44 | €187 | €927 | +€740 | +396% |
| Suppliers | 440/4 | €187 | €927 | +€740 | +396% |
| Taxes, remuneration and social security | 45 | €94 | €2,727 | +€2,633 | +2,799% |
| Taxes | 450/3 | €94 | €2,727 | +€2,633 | +2,799% |
| Other amounts payable | 47/48 | €10,758 | €5,870 | -€4,888 | -45.4% |
| Accrued charges and deferred income | 492/3 | €18,839 | €37,131 | +€18,292 | +97.1% |
| Non-recurring operating income | 76A | - | €9,650 | +€9,650 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,588 | €4,086 | +€1,498 | +57.9% |
| Other operating charges | 640/8 | €965 | €1,196 | +€231 | +24.0% |
| Gross operating margin | 9900 | €23,896 | €25,633 | +€1,737 | +7.3% |
| Operating profit (loss) | 9901 | €20,343 | €20,351 | +€7 | 0.0% |
| Financial income | 75/76B | €108 | - | -€108 | |
| Recurring financial income | 75 | €108 | - | -€108 | |
| Financial charges | 65/66B | €18,753 | €19,266 | +€513 | +2.7% |
| Recurring financial charges | 65 | €18,753 | €19,266 | +€513 | +2.7% |
| Profit (loss) for the period before taxes | 9903 | €1,698 | €1,085 | -€613 | -36.1% |
| Income taxes | 67/77 | - | €215 | +€215 | |
| Profit (loss) for the period | 9904 | €1,698 | €870 | -€828 | -48.8% |
| Profit (loss) for the period to be appropriated | 9905 | €1,698 | €870 | -€828 | -48.8% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 22 October 2026 via checked.be.