STEVEN PLOVIE: what changed
What changed
STEVEN PLOVIE
NACE 47.811, Retail sale of cars and light vans (up to 3.5 tonnes)
filed annual accounts (NBB)
Net result for the year
€33,721
2024 · €69,148-€35,427
Equity
€104,854
2024 · €366,720-€261,866
Cash
€386,309
2024 · €381,976+€4,332
Balance sheet total
€495,447
2024 · €540,850-€45,404
Largest movements
Assets
- Stocks and contracts -€44,550
down €44,550 (-64.5%), from €69,050 to €24,500
Equity and liabilities
- Profit (loss) carried forward -€261,866
down €261,866 (-98.6%), from €265,587 to €3,721
- Other debts +€228,373
up €228,373 (+178%), from €128,412 to €356,785
- Tax, wage and social debts -€10,572
down €10,572 (-28.9%), from €36,531 to €25,959
of which Taxes: -€10,822
Income statement
- Gross operating margin -€44,166
down €44,166 (-47.4%), from €93,209 to €49,043
- Taxes -€8,741
down €8,741 (-49.4%), from €17,698 to €8,957
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.
Result 2024
€69,148
Gross operating margin
-€44,166
Depreciation
+€878
Other operating charges
-€778
Financial income
+€48
Financial charges
-€150
Taxes
+€8,741
Result 2025
€33,721
raises the resultlowers the result
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.
From operations
+€299,919
Investment
€0
Financing
-€295,587
Cash 2024
€381,976
From operations (derived)
+€299,919
Net result for the year
+€33,721
Depreciation
+€3,523
Stocks and contracts
+€44,550
Receivables within one year
+€2,558
Deferred charges and accrued income
-€896
Trade debts
-€1,338
Tax, wage and social debts
-€10,572
Other debts
+€228,373
Financing
-€295,587
Contributions, distributions and other
-€295,587
Cash 2025
€386,309
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €540,850 | €495,447 | -€45,404 | -8.4% |
| Fixed assets | 21/28 | €31,133 | €27,610 | -€3,523 | -11.3% |
| Tangible fixed assets | 22/27 | €31,133 | €27,610 | -€3,523 | -11.3% |
| Land and buildings | 22 | €27,417 | €25,386 | -€2,031 | -7.4% |
| Furniture and vehicles | 24 | €3,716 | €2,224 | -€1,493 | -40.2% |
| Current assets | 29/58 | €509,717 | €467,837 | -€41,880 | -8.2% |
| Stocks and contracts in progress | 3 | €69,050 | €24,500 | -€44,550 | -64.5% |
| Stocks | 30/36 | €69,050 | €24,500 | -€44,550 | -64.5% |
| Amounts receivable within one year | 40/41 | €55,870 | €53,312 | -€2,558 | -4.6% |
| Trade receivables | 40 | €38,550 | €42,250 | +€3,700 | +9.6% |
| Other amounts receivable | 41 | €17,320 | €11,062 | -€6,258 | -36.1% |
| Cash at bank and in hand | 54/58 | €381,976 | €386,309 | +€4,332 | +1.1% |
| Deferred charges and accrued income | 490/1 | €2,821 | €3,716 | +€896 | +31.8% |
| Total equity and liabilities | 10/49 | €540,850 | €495,447 | -€45,404 | -8.4% |
| Equity | 10/15 | €366,720 | €104,854 | -€261,866 | -71.4% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €82,532 | €82,532 | = | 0.0% |
| Distributable reserves | 133 | €82,532 | €82,532 | = | 0.0% |
| Profit (loss) carried forward | 14 | €265,587 | €3,721 | -€261,866 | -98.6% |
| Amounts payable | 17/49 | €174,130 | €390,593 | +€216,462 | +124% |
| Amounts payable within one year | 42/48 | €174,130 | €390,593 | +€216,462 | +124% |
| Trade debts | 44 | €9,187 | €7,849 | -€1,338 | -14.6% |
| Suppliers | 440/4 | €9,187 | €7,849 | -€1,338 | -14.6% |
| Taxes, remuneration and social security | 45 | €36,531 | €25,959 | -€10,572 | -28.9% |
| Taxes | 450/3 | €34,781 | €23,959 | -€10,822 | -31.1% |
| Remuneration and social security | 454/9 | €1,750 | €2,000 | +€250 | +14.3% |
| Other amounts payable | 47/48 | €128,412 | €356,785 | +€228,373 | +178% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €4,401 | €3,523 | -€878 | -19.9% |
| Other operating charges | 640/8 | €1,824 | €2,601 | +€778 | +42.6% |
| Gross operating margin | 9900 | €93,209 | €49,043 | -€44,166 | -47.4% |
| Operating profit (loss) | 9901 | €86,984 | €42,919 | -€44,066 | -50.7% |
| Financial income | 75/76B | €5 | €53 | +€48 | +910% |
| Recurring financial income | 75 | €5 | €53 | +€48 | +910% |
| Financial charges | 65/66B | €143 | €294 | +€150 | +105% |
| Recurring financial charges | 65 | €143 | €294 | +€150 | +105% |
| Profit (loss) for the period before taxes | 9903 | €86,846 | €42,678 | -€44,168 | -50.9% |
| Income taxes | 67/77 | €17,698 | €8,957 | -€8,741 | -49.4% |
| Profit (loss) for the period | 9904 | €69,148 | €33,721 | -€35,427 | -51.2% |
| Profit (loss) for the period to be appropriated | 9905 | €69,148 | €33,721 | -€35,427 | -51.2% |
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Compare this company with its sector.Sector benchmark
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 6 November 2026 via checked.be.