SVDW Psy & Consult: 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.
SVDW Psy & Consult
Largest movements
- Cash -€5,219
down €5,219 (-33.2%), from €15,710 to €10,491
mainly Net result for the year (-€5,538) and Receivables within one year (-€871)
- Tangible fixed assets -€892
down €892 (-29.3%), from €3,048 to €2,156
of which Plant, machinery and equipment: -€576
- Receivables within one year +€871
up €871 (+6,426%), from €14 to €884
- Profit (loss) carried forward -€15,757
no longer reported in 2025 (was €15,757)
- Reserves +€10,219
new in 2025: €10,219
- Gross operating margin -€10,752
down €10,752, from €6,256 to -€4,496
- Taxes -€1,786
down €1,786 (-100%), from €1,786 to €0
- Other operating charges -€266
no longer reported in 2025 (was €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 | €18,946 | €13,578 | -€5,368 | -28.3% |
| Fixed assets | 21/28 | €3,048 | €2,156 | -€892 | -29.3% |
| Tangible fixed assets | 22/27 | €3,048 | €2,156 | -€892 | -29.3% |
| Plant, machinery and equipment | 23 | €2,415 | €1,839 | -€576 | -23.8% |
| Furniture and vehicles | 24 | €633 | €316 | -€316 | -50.0% |
| Current assets | 29/58 | €15,898 | €11,423 | -€4,476 | -28.2% |
| Amounts receivable within one year | 40/41 | €14 | €884 | +€871 | +6,426% |
| Other amounts receivable | 41 | €14 | €884 | +€871 | +6,426% |
| Cash at bank and in hand | 54/58 | €15,710 | €10,491 | -€5,219 | -33.2% |
| Deferred charges and accrued income | 490/1 | €174 | €47 | -€127 | -72.9% |
| Total equity and liabilities | 10/49 | €18,946 | €13,578 | -€5,368 | -28.3% |
| Equity | 10/15 | €18,757 | €13,219 | -€5,538 | -29.5% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Reserves | 13 | - | €10,219 | +€10,219 | |
| Distributable reserves | 133 | - | €10,219 | +€10,219 | |
| Profit (loss) carried forward | 14 | €15,757 | - | -€15,757 | |
| Amounts payable | 17/49 | €189 | €360 | +€170 | +90.1% |
| Amounts payable within one year | 42/48 | €189 | €360 | +€170 | +90.1% |
| Trade debts | 44 | €172 | €360 | +€188 | +109% |
| Suppliers | 440/4 | €172 | €360 | +€188 | +109% |
| Other amounts payable | 47/48 | €17 | - | -€17 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €948 | €892 | -€56 | -5.9% |
| Other operating charges | 640/8 | €266 | - | -€266 | |
| Gross operating margin | 9900 | €6,256 | -€4,496 | -€10,752 | |
| Operating profit (loss) | 9901 | €5,042 | -€5,388 | -€10,430 | |
| Financial charges | 65/66B | €135 | €150 | +€15 | +11.0% |
| Recurring financial charges | 65 | €135 | €150 | +€15 | +11.0% |
| Profit (loss) for the period before taxes | 9903 | €4,907 | -€5,538 | -€10,445 | |
| Income taxes | 67/77 | €1,786 | €0 | -€1,786 | -100% |
| Profit (loss) for the period | 9904 | €3,120 | -€5,538 | -€8,659 | |
| Profit (loss) for the period to be appropriated | 9905 | €3,120 | -€5,538 | -€8,659 |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 22 October 2026 via checked.be.