THE PRIVATE LIBRARIAN: 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.
THE PRIVATE LIBRARIAN
Largest movements
- Stocks and contracts -€1,347
down €1,347 (-9.8%), from €13,687 to €12,340
- Formation expenses -€1,197
no longer reported in 2024 (was €1,197)
- Receivables within one year +€169
up €169 (+16.6%), from €1,015 to €1,184
- Profit (loss) carried forward -€4,518
down €4,518 (-10.4%), from -€43,443 to -€47,961
- Other debts +€2,006
up €2,006 (+5.8%), from €34,601 to €36,607
- Financial charges -€1,279
down €1,279 (-95.6%), from €1,338 to €60
- Gross operating margin -€655
down €655 (-31.2%), from -€2,095 to -€2,750
- Depreciation -€465
down €465 (-28.0%), from €1,661 to €1,197
From the 2023 result to the 2024 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 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €16,158 | €13,646 | -€2,512 | -15.5% |
| Formation expenses | 20 | €1,197 | - | -€1,197 | |
| Current assets | 29/58 | €14,961 | €13,646 | -€1,316 | -8.8% |
| Stocks and contracts in progress | 3 | €13,687 | €12,340 | -€1,347 | -9.8% |
| Stocks | 30/36 | €13,687 | €12,340 | -€1,347 | -9.8% |
| Amounts receivable within one year | 40/41 | €1,015 | €1,184 | +€169 | +16.6% |
| Other amounts receivable | 41 | €1,015 | €1,184 | +€169 | +16.6% |
| Cash at bank and in hand | 54/58 | €259 | €122 | -€138 | -53.1% |
| Total equity and liabilities | 10/49 | €16,158 | €13,646 | -€2,512 | -15.5% |
| Equity | 10/15 | -€18,443 | -€22,961 | -€4,518 | -24.5% |
| Contributions | 10/11 | €25,000 | €25,000 | = | 0.0% |
| Contributions outside capital | 11 | €25,000 | €25,000 | = | 0.0% |
| Other | 1109/19 | €25,000 | €25,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€43,443 | -€47,961 | -€4,518 | -10.4% |
| Amounts payable | 17/49 | €34,601 | €36,607 | +€2,006 | +5.8% |
| Amounts payable within one year | 42/48 | €34,601 | €36,607 | +€2,006 | +5.8% |
| Other amounts payable | 47/48 | €34,601 | €36,607 | +€2,006 | +5.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,661 | €1,197 | -€465 | -28.0% |
| Other operating charges | 640/8 | €384 | €387 | +€3 | +0.8% |
| Non-recurring operating charges | 66A | - | €125 | +€125 | |
| Gross operating margin | 9900 | -€2,095 | -€2,750 | -€655 | -31.2% |
| Operating profit (loss) | 9901 | -€4,141 | -€4,459 | -€318 | -7.7% |
| Financial charges | 65/66B | €1,338 | €60 | -€1,279 | -95.6% |
| Recurring financial charges | 65 | €1,338 | €60 | -€1,279 | -95.6% |
| Profit (loss) for the period before taxes | 9903 | -€5,480 | -€4,518 | +€961 | +17.5% |
| Profit (loss) for the period | 9904 | -€5,480 | -€4,518 | +€961 | +17.5% |
| Profit (loss) for the period to be appropriated | 9905 | -€5,480 | -€4,518 | +€961 | +17.5% |
Source: filed annual accounts (NBB), financial years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 October 2026 via checked.be.