Uni Van Hypotheken: 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.
Uni Van Hypotheken
Largest movements
- Tangible fixed assets -€10,693
down €10,693 (-3.1%), from €340,976 to €330,283
- Profit (loss) carried forward -€11,635
down €11,635 (-38.8%), from -€29,961 to -€41,596
- Depreciation -€8,222
down €8,222 (-43.5%), from €18,915 to €10,693
- Gross operating margin -€2,606
down €2,606 (-31.6%), from €8,247 to €5,641
- Taxes +€1,904
up €1,904 (+210%), from €907 to €2,811
- Financial charges -€218
down €218 (-19.7%), from €1,105 to €887
- Other operating charges +€86
up €86 (+3.1%), from €2,799 to €2,885
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 | €376,668 | €363,058 | -€13,610 | -3.6% |
| Fixed assets | 21/28 | €340,976 | €330,283 | -€10,693 | -3.1% |
| Tangible fixed assets | 22/27 | €340,976 | €330,283 | -€10,693 | -3.1% |
| Land and buildings | 22 | €340,976 | €330,283 | -€10,693 | -3.1% |
| Current assets | 29/58 | €35,692 | €32,775 | -€2,917 | -8.2% |
| Amounts receivable within one year | 40/41 | €34,000 | €32,000 | -€2,000 | -5.9% |
| Other amounts receivable | 41 | €34,000 | €32,000 | -€2,000 | -5.9% |
| Cash at bank and in hand | 54/58 | €1,692 | €775 | -€917 | -54.2% |
| Total equity and liabilities | 10/49 | €376,668 | €363,058 | -€13,610 | -3.6% |
| Equity | 10/15 | €353,569 | €339,302 | -€14,267 | -4.0% |
| Contributions | 10/11 | €61,500 | €61,500 | = | 0.0% |
| Capital | 10 | €61,500 | €61,500 | = | 0.0% |
| Issued capital | 100 | €61,500 | €61,500 | = | 0.0% |
| Revaluation surpluses | 12 | €313,209 | €313,209 | = | 0.0% |
| Reserves | 13 | €8,821 | €6,189 | -€2,632 | -29.8% |
| Non-distributable reserves | 130/1 | €2,181 | €2,181 | = | 0.0% |
| Legal reserve | 130 | €2,181 | €2,181 | = | 0.0% |
| Distributable reserves | 133 | €6,640 | €4,008 | -€2,632 | -39.6% |
| Profit (loss) carried forward | 14 | -€29,961 | -€41,596 | -€11,635 | -38.8% |
| Amounts payable | 17/49 | €23,099 | €23,756 | +€657 | +2.8% |
| Amounts payable after more than one year | 17 | €16,889 | €14,470 | -€2,419 | -14.3% |
| Financial debts | 170/4 | €16,889 | €14,470 | -€2,419 | -14.3% |
| Amounts payable within one year | 42/48 | €6,210 | €9,286 | +€3,076 | +49.5% |
| Current portion of amounts payable after more than one year | 42 | €2,180 | €2,340 | +€160 | +7.3% |
| Trade debts | 44 | - | €2,916 | +€2,916 | |
| Suppliers | 440/4 | - | €2,916 | +€2,916 | |
| Other amounts payable | 47/48 | €4,030 | €4,030 | = | 0.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €18,915 | €10,693 | -€8,222 | -43.5% |
| Other operating charges | 640/8 | €2,799 | €2,885 | +€86 | +3.1% |
| Gross operating margin | 9900 | €8,247 | €5,641 | -€2,606 | -31.6% |
| Operating profit (loss) | 9901 | -€13,467 | -€7,937 | +€5,530 | +41.1% |
| Financial charges | 65/66B | €1,105 | €887 | -€218 | -19.7% |
| Recurring financial charges | 65 | €1,105 | €887 | -€218 | -19.7% |
| Profit (loss) for the period before taxes | 9903 | -€14,572 | -€8,824 | +€5,748 | +39.4% |
| Income taxes | 67/77 | €907 | €2,811 | +€1,904 | +210% |
| Profit (loss) for the period | 9904 | -€15,479 | -€11,635 | +€3,844 | +24.8% |
| Profit (loss) for the period to be appropriated | 9905 | -€15,479 | -€11,635 | +€3,844 | +24.8% |
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 18 October 2026 via checked.be.