Tchack: 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.
Tchack
Largest movements
- Cash -€39,029
down €39,029 (-39.5%), from €98,717 to €59,689
mainly Contributions, distributions and other (-€68,482) and Current investments (-€24,000)
- Current investments +€24,000
up €24,000 (+300%), from €8,000 to €32,000
- Tangible fixed assets +€3,456
up €3,456 (+659%), from €524 to €3,980
of which Other tangible fixed assets: +€2,600
- Reserves -€49,049
down €49,049 (-48.3%), from €101,611 to €52,562
- Other debts +€41,548
up €41,548 (+1,739%), from €2,389 to €43,936
- Trade debts -€3,495
down €3,495 (-89.4%), from €3,907 to €412
- Gross operating margin +€577
up €577 (+2.1%), from €27,119 to €27,695
- Financial income +€400
new in 2025: €400
- Taxes +€346
up €346 (+4.7%), from €7,403 to €7,749
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 | €117,241 | €105,669 | -€11,573 | -9.9% |
| Fixed assets | 21/28 | €524 | €3,980 | +€3,456 | +659% |
| Tangible fixed assets | 22/27 | €524 | €3,980 | +€3,456 | +659% |
| Plant, machinery and equipment | 23 | - | €1,224 | +€1,224 | |
| Furniture and vehicles | 24 | €524 | €156 | -€368 | -70.2% |
| Other tangible fixed assets | 26 | - | €2,600 | +€2,600 | |
| Current assets | 29/58 | €116,717 | €101,689 | -€15,029 | -12.9% |
| Amounts receivable within one year | 40/41 | €10,000 | €10,000 | = | 0.0% |
| Other amounts receivable | 41 | €10,000 | €10,000 | = | 0.0% |
| Current investments | 50/53 | €8,000 | €32,000 | +€24,000 | +300% |
| Cash at bank and in hand | 54/58 | €98,717 | €59,689 | -€39,029 | -39.5% |
| Total equity and liabilities | 10/49 | €117,241 | €105,669 | -€11,573 | -9.9% |
| Equity | 10/15 | €107,811 | €58,762 | -€49,049 | -45.5% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €101,611 | €52,562 | -€49,049 | -48.3% |
| Distributable reserves | 133 | €101,611 | €52,562 | -€49,049 | -48.3% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €9,431 | €46,907 | +€37,476 | +397% |
| Amounts payable within one year | 42/48 | €9,431 | €46,907 | +€37,476 | +397% |
| Financial debts | 43 | €206 | €0 | -€206 | -100% |
| Credit institutions | 430/8 | €206 | €0 | -€206 | -100% |
| Trade debts | 44 | €3,907 | €412 | -€3,495 | -89.4% |
| Suppliers | 440/4 | €3,907 | €412 | -€3,495 | -89.4% |
| Taxes, remuneration and social security | 45 | €2,930 | €2,559 | -€371 | -12.7% |
| Taxes | 450/3 | €2,930 | €2,559 | -€371 | -12.7% |
| Other amounts payable | 47/48 | €2,389 | €43,936 | +€41,548 | +1,739% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €424 | €463 | +€39 | +9.2% |
| Other operating charges | 640/8 | €407 | €420 | +€12 | +3.0% |
| Gross operating margin | 9900 | €27,119 | €27,695 | +€577 | +2.1% |
| Operating profit (loss) | 9901 | €26,288 | €26,813 | +€525 | +2.0% |
| Financial income | 75/76B | - | €400 | +€400 | |
| Recurring financial income | 75 | - | €400 | +€400 | |
| Financial charges | 65/66B | €55 | €31 | -€24 | -43.9% |
| Recurring financial charges | 65 | €55 | €31 | -€24 | -43.9% |
| Profit (loss) for the period before taxes | 9903 | €26,233 | €27,182 | +€950 | +3.6% |
| Income taxes | 67/77 | €7,403 | €7,749 | +€346 | +4.7% |
| Profit (loss) for the period | 9904 | €18,829 | €19,433 | +€604 | +3.2% |
| Profit (loss) for the period to be appropriated | 9905 | €18,829 | €19,433 | +€604 | +3.2% |
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 14 October 2026 via checked.be.