URBAN CONCEPT: 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.
URBAN CONCEPT
Largest movements
- Receivables within one year +€48,106
up €48,106 (+61.6%), from €78,049 to €126,155
of which Other amounts receivable: +€62,289
- Tangible fixed assets +€14,303
up €14,303 (+33.4%), from €42,879 to €57,182
of which Furniture and vehicles: +€17,967
- Cash +€7,892
up €7,892 (+49.9%), from €15,820 to €23,712
mainly Debts after one year (+€55,383) and Current portion of long-term debt (+€18,198)
- Stocks and contracts -€5,182
no longer reported in 2025 (was €5,182)
- Financial fixed assets -€2,750
no longer reported in 2025 (was €2,750)
- Debts after one year +€55,383
up €55,383 (+350%), from €15,821 to €71,204
- Current portion of long-term debt +€18,198
up €18,198 (+179%), from €10,146 to €28,344
- Profit (loss) carried forward -€13,217
new in 2025: -€13,217
- Trade debts +€7,726
up €7,726 (+1,027%), from €752 to €8,478
- Tax, wage and social debts -€4,936
down €4,936 (-33.8%), from €14,584 to €9,648
- Gross operating margin -€37,195
down €37,195 (-91.6%), from €40,595 to €3,400
- Depreciation -€6,546
down €6,546 (-37.6%), from €17,400 to €10,854
- Taxes -€6,490
down €6,490 (-96.6%), from €6,720 to €231
- Financial charges +€2,779
up €2,779 (+153%), from €1,812 to €4,590
- Financial income +€2,591
up €2,591 (+99.8%), from €2,596 to €5,186
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 | €145,722 | €207,502 | +€61,780 | +42.4% |
| Formation expenses | 20 | - | €0 | = | |
| Fixed assets | 21/28 | €45,629 | €57,182 | +€11,553 | +25.3% |
| Tangible fixed assets | 22/27 | €42,879 | €57,182 | +€14,303 | +33.4% |
| Plant, machinery and equipment | 23 | €1,605 | €885 | -€720 | -44.9% |
| Furniture and vehicles | 24 | €38,331 | €56,297 | +€17,967 | +46.9% |
| Other tangible fixed assets | 26 | €2,943 | - | -€2,943 | |
| Financial fixed assets | 28 | €2,750 | - | -€2,750 | |
| Current assets | 29/58 | €100,093 | €150,320 | +€50,226 | +50.2% |
| Stocks and contracts in progress | 3 | €5,182 | - | -€5,182 | |
| Stocks | 30/36 | €5,182 | - | -€5,182 | |
| Amounts receivable within one year | 40/41 | €78,049 | €126,155 | +€48,106 | +61.6% |
| Trade receivables | 40 | €14,814 | €630 | -€14,183 | -95.7% |
| Other amounts receivable | 41 | €63,236 | €125,525 | +€62,289 | +98.5% |
| Cash at bank and in hand | 54/58 | €15,820 | €23,712 | +€7,892 | +49.9% |
| Deferred charges and accrued income | 490/1 | €1,042 | €452 | -€590 | -56.6% |
| Total equity and liabilities | 10/49 | €145,722 | €207,502 | +€61,780 | +42.4% |
| Equity | 10/15 | €101,376 | €88,159 | -€13,217 | -13.0% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €82,776 | €82,776 | = | 0.0% |
| Distributable reserves | 133 | €82,776 | €82,776 | = | 0.0% |
| Profit (loss) carried forward | 14 | - | -€13,217 | -€13,217 | |
| Amounts payable | 17/49 | €44,347 | €119,343 | +€74,997 | +169% |
| Amounts payable after more than one year | 17 | €15,821 | €71,204 | +€55,383 | +350% |
| Financial debts | 170/4 | €15,821 | €71,204 | +€55,383 | +350% |
| Amounts payable within one year | 42/48 | €27,201 | €46,470 | +€19,269 | +70.8% |
| Current portion of amounts payable after more than one year | 42 | €10,146 | €28,344 | +€18,198 | +179% |
| Trade debts | 44 | €752 | €8,478 | +€7,726 | +1,027% |
| Suppliers | 440/4 | €752 | €8,478 | +€7,726 | +1,027% |
| Taxes, remuneration and social security | 45 | €14,584 | €9,648 | -€4,936 | -33.8% |
| Taxes | 450/3 | €14,584 | €9,648 | -€4,936 | -33.8% |
| Other amounts payable | 47/48 | €1,718 | - | -€1,718 | |
| Accrued charges and deferred income | 492/3 | €1,324 | €1,669 | +€344 | +26.0% |
| Non-recurring operating income | 76A | €1,317 | - | -€1,317 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €17,400 | €10,854 | -€6,546 | -37.6% |
| Other operating charges | 640/8 | €593 | €2,755 | +€2,162 | +365% |
| Non-recurring operating charges | 66A | - | €3,373 | +€3,373 | |
| Gross operating margin | 9900 | €40,595 | €3,400 | -€37,195 | -91.6% |
| Operating profit (loss) | 9901 | €22,603 | -€13,582 | -€36,185 | |
| Financial income | 75/76B | €2,596 | €5,186 | +€2,591 | +99.8% |
| Recurring financial income | 75 | €2,596 | €5,186 | +€2,591 | +99.8% |
| Financial charges | 65/66B | €1,812 | €4,590 | +€2,779 | +153% |
| Recurring financial charges | 65 | €1,812 | €4,590 | +€2,779 | +153% |
| Profit (loss) for the period before taxes | 9903 | €23,386 | -€12,986 | -€36,372 | |
| Income taxes | 67/77 | €6,720 | €231 | -€6,490 | -96.6% |
| Profit (loss) for the period | 9904 | €16,666 | -€13,217 | -€29,883 | |
| Profit (loss) for the period to be appropriated | 9905 | €16,666 | -€13,217 | -€29,883 |
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 26 October 2026 via checked.be.