SNS Advies: what changed
SNS Advies
Largest movements
- Cash +€12,058
up €12,058 (+631%), from €1,911 to €13,970
mainly Other debts (+€14,186) and Net result for the year (+€13,639)
- Receivables within one year +€3,673
up €3,673 (+14.1%), from €25,985 to €29,658
of which Trade receivables: +€4,754
- Tangible fixed assets -€582
down €582 (-17.8%), from €3,274 to €2,692
of which Land and buildings: -€469
- Other debts +€14,186
new in 2025: €14,186
- Reserves -€4,948
down €4,948 (-14.7%), from €33,744 to €28,796
of which Distributable reserves: -€4,948
- Profit (loss) carried forward +€4,400
no longer reported in 2025 (was -€4,400)
- Tax, wage and social debts +€1,302
up €1,302 (+90.2%), from €1,443 to €2,746
- Gross operating margin +€10,871
up €10,871 (+103%), from €10,517 to €21,388
- Taxes +€3,786
up €3,786 (+112%), from €3,380 to €7,166
- Financial income +€383
up €383 (+60.0%), from €639 to €1,022
- Depreciation -€325
down €325 (-35.8%), from €907 to €582
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €31,770 | €46,934 | +€15,165 | +47.7% |
| Fixed assets | 21/28 | €3,274 | €2,692 | -€582 | -17.8% |
| Tangible fixed assets | 22/27 | €3,274 | €2,692 | -€582 | -17.8% |
| Land and buildings | 22 | €3,161 | €2,692 | -€469 | -14.8% |
| Furniture and vehicles | 24 | €113 | - | -€113 | |
| Current assets | 29/58 | €28,495 | €44,242 | +€15,747 | +55.3% |
| Amounts receivable within one year | 40/41 | €25,985 | €29,658 | +€3,673 | +14.1% |
| Trade receivables | 40 | €545 | €5,299 | +€4,754 | +873% |
| Other amounts receivable | 41 | €25,441 | €24,359 | -€1,082 | -4.3% |
| Cash at bank and in hand | 54/58 | €1,911 | €13,970 | +€12,058 | +631% |
| Deferred charges and accrued income | 490/1 | €599 | €615 | +€16 | +2.7% |
| Total equity and liabilities | 10/49 | €31,770 | €46,934 | +€15,165 | +47.7% |
| Equity | 10/15 | €29,844 | €29,296 | -€548 | -1.8% |
| Contributions | 10/11 | €500 | €500 | = | 0.0% |
| Reserves | 13 | €33,744 | €28,796 | -€4,948 | -14.7% |
| Tax-exempt reserves | 132 | €3,403 | €3,403 | = | 0.0% |
| Distributable reserves | 133 | €30,341 | €25,393 | -€4,948 | -16.3% |
| Profit (loss) carried forward | 14 | -€4,400 | - | +€4,400 | |
| Amounts payable | 17/49 | €1,926 | €17,639 | +€15,713 | +816% |
| Amounts payable within one year | 42/48 | €1,926 | €17,639 | +€15,713 | +816% |
| Trade debts | 44 | €483 | €707 | +€224 | +46.4% |
| Suppliers | 440/4 | €483 | €707 | +€224 | +46.4% |
| Taxes, remuneration and social security | 45 | €1,443 | €2,746 | +€1,302 | +90.2% |
| Taxes | 450/3 | €1,443 | €2,746 | +€1,302 | +90.2% |
| Other amounts payable | 47/48 | - | €14,186 | +€14,186 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €907 | €582 | -€325 | -35.8% |
| Other operating charges | 640/8 | €783 | €822 | +€39 | +5.0% |
| Gross operating margin | 9900 | €10,517 | €21,388 | +€10,871 | +103% |
| Operating profit (loss) | 9901 | €8,826 | €19,983 | +€11,157 | +126% |
| Financial income | 75/76B | €639 | €1,022 | +€383 | +60.0% |
| Recurring financial income | 75 | €639 | €1,022 | +€383 | +60.0% |
| Financial charges | 65/66B | €201 | €201 | -€0 | -0.1% |
| Recurring financial charges | 65 | €201 | €201 | -€0 | -0.1% |
| Profit (loss) for the period before taxes | 9903 | €9,264 | €20,804 | +€11,541 | +125% |
| Income taxes | 67/77 | €3,380 | €7,166 | +€3,786 | +112% |
| Profit (loss) for the period | 9904 | €5,884 | €13,639 | +€7,755 | +132% |
| Profit (loss) for the period to be appropriated | 9905 | €5,884 | €13,639 | +€7,755 | +132% |
Next steps
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 2 November 2026 via checked.be.