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SMS: 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.

What changed

SMS

BE 0440.694.259
NACE 41.001, General construction of residential buildings
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€267
2024 · €10,115-€9,848
Equity
-€4,725
2024 · -€4,992+€267
Cash
€34,682
2024 · €48,957-€14,275
Balance sheet total
€76,367
2024 · €81,862-€5,495

Largest movements

2024 to 2025
Assets
  • Cash -€14,275

    down €14,275 (-29.2%), from €48,957 to €34,682

    mainly Receivables within one year (-€9,667) and Trade debts (-€8,771)

  • Receivables within one year +€9,667

    up €9,667 (+172.2%), from €5,613 to €15,280

    of which Trade receivables: +€11,027

  • Tangible fixed assets -€998

    down €998 (-22.3%), from €4,471 to €3,473

    of which Furniture and vehicles: -€1,054

Equity and liabilities
  • Trade debts -€8,771

    down €8,771 (-47.2%), from €18,570 to €9,799

  • Tax, wage and social debts +€2,204

    up €2,204 (+321.8%), from €685 to €2,889

Income statement
  • Gross operating margin -€27,917

    down €27,917 (-81.3%), from €34,341 to €6,424

  • Financial charges -€17,024

    down €17,024 (-98.9%), from €17,213 to €189

    of which Non-recurring financial charges: -€16,990

  • Taxes -€792

    down €792 (-21.5%), from €3,685 to €2,893

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 €10,115
Gross operating margin -€27,917
Depreciation +€327
Other operating charges -€42
Financial income -€32
Financial charges +€17,024
Taxes +€792
Result 2025 €267

Cash bridge derived

cash 2024 to 2025

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.

From operations -€12,316
Investment -€1,959
Financing €0
Cash 2024 €48,957
Net result for the year +€267
Depreciation +€2,957
Stocks and contracts -€111
Receivables within one year -€9,667
Trade debts -€8,771
Tax, wage and social debts +€2,204
Other debts +€805
Investment in fixed assets (net) -€1,959
Cash 2025 €34,682
Every line side by side 40 lines
Line Code 2024 2025 Change %
Total assets 20/58 €81,862 €76,367 -€5,495 -6.7%
Fixed assets 21/28 €4,471 €3,473 -€998 -22.3%
Tangible fixed assets 22/27 €4,471 €3,473 -€998 -22.3%
Plant, machinery and equipment 23 €2,714 €2,770 +€56 +2.1%
Furniture and vehicles 24 €1,757 €703 -€1,054 -60.0%
Current assets 29/58 €77,391 €72,894 -€4,497 -5.8%
Stocks and contracts in progress 3 €22,821 €22,932 +€111 +0.5%
Stocks 30/36 €22,821 €22,932 +€111 +0.5%
Amounts receivable within one year 40/41 €5,613 €15,280 +€9,667 +172.2%
Trade receivables 40 €1,760 €12,787 +€11,027 +626.5%
Other amounts receivable 41 €3,853 €2,493 -€1,360 -35.3%
Cash at bank and in hand 54/58 €48,957 €34,682 -€14,275 -29.2%
Total equity and liabilities 10/49 €81,862 €76,367 -€5,495 -6.7%
Equity 10/15 -€4,992 -€4,725 +€267 +5.3%
Contributions 10/11 €20,000 €20,000 = 0.0%
Capital 10 €20,000 €20,000 = 0.0%
Issued capital 100 €20,000 €20,000 = 0.0%
Reserves 13 €2,922 €2,922 = 0.0%
Distributable reserves 133 €2,922 €2,922 = 0.0%
Profit (loss) carried forward 14 -€27,914 -€27,647 +€267 +1.0%
Amounts payable 17/49 €86,854 €81,092 -€5,762 -6.6%
Amounts payable within one year 42/48 €86,854 €81,092 -€5,762 -6.6%
Trade debts 44 €18,570 €9,799 -€8,771 -47.2%
Suppliers 440/4 €18,570 €9,799 -€8,771 -47.2%
Taxes, remuneration and social security 45 €685 €2,889 +€2,204 +321.8%
Taxes 450/3 €685 €2,889 +€2,204 +321.8%
Other amounts payable 47/48 €67,599 €68,404 +€805 +1.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €3,284 €2,957 -€327 -10.0%
Other operating charges 640/8 €409 €451 +€42 +10.3%
Gross operating margin 9900 €34,341 €6,424 -€27,917 -81.3%
Operating profit (loss) 9901 €30,648 €3,016 -€27,632 -90.2%
Financial income 75/76B €365 €333 -€32 -8.8%
Recurring financial income 75 €365 €333 -€32 -8.8%
Financial charges 65/66B €17,213 €189 -€17,024 -98.9%
Recurring financial charges 65 €223 €189 -€34 -15.2%
Non-recurring financial charges 66B €16,990 - -€16,990
Profit (loss) for the period before taxes 9903 €13,800 €3,160 -€10,640 -77.1%
Income taxes 67/77 €3,685 €2,893 -€792 -21.5%
Profit (loss) for the period 9904 €10,115 €267 -€9,848 -97.4%
Profit (loss) for the period to be appropriated 9905 €10,115 €267 -€9,848 -97.4%

Source: filed annual accounts (NBB), fiscal years ended 31 March 2024 and 31 March 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.