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STILCO: 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

STILCO

BE 0807.937.249
NACE 43.230, Insulation installation
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€2,024
2024 · €3,734-€5,758
Equity
€205,037
2024 · €209,062-€4,025
Cash
€6,044
2024 · €5,505+€539
Balance sheet total
€576,815
2024 · €595,808-€18,993

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€98,886

    up €98,886 (+50.5%), from €195,699 to €294,585

    of which Trade receivables: +€101,143

  • Tangible fixed assets -€56,217

    down €56,217 (-33.1%), from €169,756 to €113,539

    of which Furniture and vehicles: -€48,315

  • Deferred charges and accrued income -€27,500

    down €27,500 (-64.5%), from €42,611 to €15,111

  • Receivables after one year -€21,000

    down €21,000 (-12.5%), from €168,000 to €147,000

  • Current investments -€11,000

    no longer reported in 2025 (was €11,000)

Equity and liabilities
  • Debts after one year -€39,983

    down €39,983 (-11.9%), from €337,151 to €297,168

  • Current portion of long-term debt +€22,772

    up €22,772 (+57.8%), from €39,410 to €62,182

Income statement
  • Gross operating margin -€32,680

    down €32,680 (-29.0%), from €112,512 to €79,832

  • Financial charges -€14,113

    down €14,113 (-40.6%), from €34,793 to €20,680

    of which Financial charges: -€8,018

  • Staff costs -€7,161

    down €7,161 (-15.5%), from €46,211 to €39,050

  • Other operating charges -€4,454

    down €4,454 (-61.8%), from €7,205 to €2,751

  • Depreciation -€1,499

    down €1,499 (-6.7%), from €22,361 to €20,862

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 €3,734
Gross operating margin -€32,680
Staff costs +€7,161
Depreciation +€1,499
Other operating charges +€4,454
Financial income -€335
Financial charges +€14,113
Taxes +€30
Result 2025 -€2,024

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 -€26,604
Investment +€46,355
Financing -€19,212
Cash 2024 €5,505
Net result for the year -€2,024
Depreciation +€20,862
Receivables after one year +€21,000
Stocks and contracts +€2,701
Receivables within one year -€98,886
Deferred charges and accrued income +€27,500
Trade debts +€3,582
Tax, wage and social debts +€1,017
Other debts -€2,356
Investment in fixed assets (net) +€35,355
Current investments +€11,000
Debts after one year -€39,983
Current portion of long-term debt +€22,772
Contributions, distributions and other -€2,001
Cash 2025 €6,044
Every line side by side 50 lines
Line Code 2024 2025 Change %
Total assets 20/58 €595,808 €576,815 -€18,993 -3.2%
Fixed assets 21/28 €169,756 €113,539 -€56,217 -33.1%
Tangible fixed assets 22/27 €169,756 €113,539 -€56,217 -33.1%
Land and buildings 22 €83,680 €76,731 -€6,949 -8.3%
Plant, machinery and equipment 23 €4,083 €3,130 -€953 -23.3%
Furniture and vehicles 24 €81,993 €33,678 -€48,315 -58.9%
Current assets 29/58 €426,052 €463,276 +€37,224 +8.7%
Amounts receivable after more than one year 29 €168,000 €147,000 -€21,000 -12.5%
Other amounts receivable 291 €168,000 €147,000 -€21,000 -12.5%
Stocks and contracts in progress 3 €3,237 €536 -€2,701 -83.4%
Stocks 30/36 €3,237 €536 -€2,701 -83.4%
Amounts receivable within one year 40/41 €195,699 €294,585 +€98,886 +50.5%
Trade receivables 40 €191,127 €292,270 +€101,143 +52.9%
Other amounts receivable 41 €4,572 €2,315 -€2,257 -49.4%
Current investments 50/53 €11,000 - -€11,000
Cash at bank and in hand 54/58 €5,505 €6,044 +€539 +9.8%
Deferred charges and accrued income 490/1 €42,611 €15,111 -€27,500 -64.5%
Total equity and liabilities 10/49 €595,808 €576,815 -€18,993 -3.2%
Equity 10/15 €209,062 €205,037 -€4,025 -1.9%
Contributions 10/11 €250,000 €250,000 = 0.0%
Reserves 13 €1,903 €1,903 = 0.0%
Non-distributable reserves 130/1 €1,903 €1,903 = 0.0%
Reserves not available under the articles 1311 €1,903 €1,903 = 0.0%
Profit (loss) carried forward 14 -€53,609 -€55,634 -€2,025 -3.8%
Investment grants 15 €10,768 €8,768 -€2,000 -18.6%
Amounts payable 17/49 €386,746 €371,778 -€14,968 -3.9%
Amounts payable after more than one year 17 €337,151 €297,168 -€39,983 -11.9%
Financial debts 170/4 €337,151 €297,168 -€39,983 -11.9%
Amounts payable within one year 42/48 €49,595 €74,610 +€25,015 +50.4%
Current portion of amounts payable after more than one year 42 €39,410 €62,182 +€22,772 +57.8%
Trade debts 44 €7,208 €10,790 +€3,582 +49.7%
Suppliers 440/4 €7,208 €10,790 +€3,582 +49.7%
Taxes, remuneration and social security 45 €621 €1,638 +€1,017 +163.8%
Remuneration and social security 454/9 €621 €1,638 +€1,017 +163.8%
Other amounts payable 47/48 €2,356 - -€2,356
Remuneration, social security and pensions 62 €46,211 €39,050 -€7,161 -15.5%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €22,361 €20,862 -€1,499 -6.7%
Other operating charges 640/8 €7,205 €2,751 -€4,454 -61.8%
Gross operating margin 9900 €112,512 €79,832 -€32,680 -29.0%
Operating profit (loss) 9901 €36,735 €17,169 -€19,566 -53.3%
Financial income 75/76B €2,495 €2,160 -€335 -13.4%
Recurring financial income 75 €2,252 €2,000 -€252 -11.2%
Non-recurring financial income 76B €243 €160 -€83 -34.2%
Financial charges 65/66B €34,793 €20,680 -€14,113 -40.6%
Recurring financial charges 65 €14,674 €6,656 -€8,018 -54.6%
Non-recurring financial charges 66B €20,119 €14,024 -€6,095 -30.3%
Profit (loss) for the period before taxes 9903 €4,437 -€1,351 -€5,788
Income taxes 67/77 €703 €673 -€30 -4.3%
Profit (loss) for the period 9904 €3,734 -€2,024 -€5,758
Profit (loss) for the period to be appropriated 9905 €3,734 -€2,024 -€5,758

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