TORAMAN BOUW: 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.
TORAMAN BOUW
Largest movements
- Receivables within one year -€6,692
down €6,692 (-31.9%), from €20,969 to €14,277
of which Other amounts receivable: -€8,502
- Stocks and contracts -€2,467
no longer reported in 2025 (was €2,467)
- Tangible fixed assets -€1,600
down €1,600 (-37.9%), from €4,217 to €2,617
- Profit (loss) carried forward -€8,613
down €8,613, from €2,704 to -€5,909
- Other debts +€5,547
new in 2025: €5,547
- Debts after one year -€4,968
down €4,968 (-37.0%), from €13,411 to €8,443
- Trade debts -€2,879
down €2,879 (-88.0%), from €3,271 to €391
- Financial charges +€1,324
up €1,324 (+191%), from €692 to €2,016
- Gross operating margin +€451
up €451 (+10.0%), from -€4,527 to -€4,076
- Staff costs -€337
down €337 (-36.1%), from €933 to €596
- Other operating charges -€229
down €229 (-38.0%), from €603 to €374
- Financial income +€49
new in 2025: €49
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 | €27,655 | €16,894 | -€10,761 | -38.9% |
| Fixed assets | 21/28 | €4,217 | €2,617 | -€1,600 | -37.9% |
| Tangible fixed assets | 22/27 | €4,217 | €2,617 | -€1,600 | -37.9% |
| Furniture and vehicles | 24 | €4,217 | €2,617 | -€1,600 | -37.9% |
| Current assets | 29/58 | €23,438 | €14,277 | -€9,161 | -39.1% |
| Stocks and contracts in progress | 3 | €2,467 | - | -€2,467 | |
| Stocks | 30/36 | €2,467 | - | -€2,467 | |
| Amounts receivable within one year | 40/41 | €20,969 | €14,277 | -€6,692 | -31.9% |
| Trade receivables | 40 | €11,102 | €12,912 | +€1,810 | +16.3% |
| Other amounts receivable | 41 | €9,868 | €1,366 | -€8,502 | -86.2% |
| Cash at bank and in hand | 54/58 | €1 | - | -€1 | |
| Total equity and liabilities | 10/49 | €27,655 | €16,894 | -€10,761 | -38.9% |
| Equity | 10/15 | €4,704 | -€3,909 | -€8,613 | |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €2,704 | -€5,909 | -€8,613 | |
| Amounts payable | 17/49 | €22,951 | €20,803 | -€2,148 | -9.4% |
| Amounts payable after more than one year | 17 | €13,411 | €8,443 | -€4,968 | -37.0% |
| Financial debts | 170/4 | €13,411 | €8,443 | -€4,968 | -37.0% |
| Amounts payable within one year | 42/48 | €9,540 | €12,360 | +€2,820 | +29.6% |
| Current portion of amounts payable after more than one year | 42 | €4,730 | €4,994 | +€264 | +5.6% |
| Financial debts | 43 | - | €9 | +€9 | |
| Credit institutions | 430/8 | - | €9 | +€9 | |
| Trade debts | 44 | €3,271 | €391 | -€2,879 | -88.0% |
| Suppliers | 440/4 | €3,271 | €391 | -€2,879 | -88.0% |
| Taxes, remuneration and social security | 45 | €1,540 | €1,420 | -€120 | -7.8% |
| Taxes | 450/3 | €1,540 | €1,140 | -€400 | -26.0% |
| Remuneration and social security | 454/9 | - | €280 | +€280 | |
| Other amounts payable | 47/48 | - | €5,547 | +€5,547 | |
| Remuneration, social security and pensions | 62 | €933 | €596 | -€337 | -36.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,600 | €1,600 | = | 0.0% |
| Other operating charges | 640/8 | €603 | €374 | -€229 | -38.0% |
| Gross operating margin | 9900 | -€4,527 | -€4,076 | +€451 | +10.0% |
| Operating profit (loss) | 9901 | -€7,663 | -€6,646 | +€1,017 | +13.3% |
| Financial income | 75/76B | - | €49 | +€49 | |
| Recurring financial income | 75 | - | €49 | +€49 | |
| Financial charges | 65/66B | €692 | €2,016 | +€1,324 | +191% |
| Recurring financial charges | 65 | €692 | €2,016 | +€1,324 | +191% |
| Profit (loss) for the period before taxes | 9903 | -€8,355 | -€8,613 | -€258 | -3.1% |
| Profit (loss) for the period | 9904 | -€8,355 | -€8,613 | -€258 | -3.1% |
| Profit (loss) for the period to be appropriated | 9905 | -€8,355 | -€8,613 | -€258 | -3.1% |
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 28 October 2026 via checked.be.