URBAN CONCEPT BUILDING: what changed
What changed
URBAN CONCEPT BUILDING
NACE 47.811, Retail sale of cars and light vans (up to 3.5 tonnes)
filed annual accounts (NBB)
Net result for the year
-€7,450
2024 · -€29,445+€21,995
Equity
-€57,947
2024 · -€50,497-€7,450
Cash
€40,102
2024 · €25,456+€14,646
Balance sheet total
€871,867
2024 · €1.1m-€253,687
Largest movements
Assets
- Receivables within one year -€178,993
down €178,993 (-37.1%), from €483,012 to €304,019
of which Trade receivables: -€178,993
- Tangible fixed assets -€106,745
down €106,745 (-25.9%), from €412,764 to €306,020
of which Land and buildings: -€87,831
- Stocks and contracts +€19,351
up €19,351 (+9.7%), from €199,547 to €218,898
- Cash +€14,646
up €14,646 (+57.5%), from €25,456 to €40,102
mainly Receivables within one year (+€178,993) and Investment in fixed assets (net) (+€86,606)
Equity and liabilities
- Trade debts -€238,649
down €238,649 (-84.8%), from €281,575 to €42,926
Income statement
- Gross operating margin +€43,096
up €43,096 (+164%), from €26,328 to €69,423
- Write-downs +€24,174
new in 2025: €24,174
- Depreciation -€11,264
down €11,264 (-35.9%), from €31,403 to €20,139
- Other operating charges +€9,701
up €9,701 (+103%), from €9,383 to €19,084
- Financial charges -€1,308
down €1,308 (-8.7%), from €14,987 to €13,678
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
-€29,445
Gross operating margin
+€43,096
Depreciation
+€11,264
Write-downs
-€24,174
Other operating charges
-€9,701
Financial income
+€201
Financial charges
+€1,308
Result 2025
-€7,450
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
-€63,799
Investment
+€86,606
Financing
-€8,162
Cash 2024
€25,456
From operations (derived)
-€63,799
Net result for the year
-€7,450
Depreciation
+€20,139
Stocks and contracts
-€19,351
Receivables within one year
+€178,993
Deferred charges and accrued income
+€1,946
Trade debts
-€238,649
Tax, wage and social debts
+€70
Other debts
+€1,997
Accrued charges and deferred income
-€1,494
Investment (derived)
+€86,606
Investment in fixed assets (net)
+€86,606
Financing
-€8,162
Debts after one year
-€10,102
Current portion of long-term debt
+€172
Short-term financial debts
+€1,767
Cash 2025
€40,102
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,125,554 | €871,867 | -€253,687 | -22.5% |
| Formation expenses | 20 | €0 | - | = | |
| Fixed assets | 21/28 | €412,764 | €306,020 | -€106,745 | -25.9% |
| Tangible fixed assets | 22/27 | €412,764 | €306,020 | -€106,745 | -25.9% |
| Land and buildings | 22 | €382,086 | €294,255 | -€87,831 | -23.0% |
| Furniture and vehicles | 24 | €30,678 | €11,765 | -€18,914 | -61.7% |
| Current assets | 29/58 | €712,790 | €565,848 | -€146,942 | -20.6% |
| Stocks and contracts in progress | 3 | €199,547 | €218,898 | +€19,351 | +9.7% |
| Stocks | 30/36 | €199,547 | €218,898 | +€19,351 | +9.7% |
| Amounts receivable within one year | 40/41 | €483,012 | €304,019 | -€178,993 | -37.1% |
| Trade receivables | 40 | €483,012 | €304,019 | -€178,993 | -37.1% |
| Other amounts receivable | 41 | €0 | - | = | |
| Cash at bank and in hand | 54/58 | €25,456 | €40,102 | +€14,646 | +57.5% |
| Deferred charges and accrued income | 490/1 | €4,774 | €2,829 | -€1,946 | -40.8% |
| Total equity and liabilities | 10/49 | €1,125,554 | €871,867 | -€253,687 | -22.5% |
| Equity | 10/15 | -€50,497 | -€57,947 | -€7,450 | -14.8% |
| Contributions | 10/11 | €30,000 | €30,000 | = | 0.0% |
| Reserves | 13 | €450 | €450 | = | 0.0% |
| Non-distributable reserves | 130/1 | €450 | €450 | = | 0.0% |
| Reserves not available under the articles | 1311 | €450 | €450 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€80,948 | -€88,398 | -€7,450 | -9.2% |
| Amounts payable | 17/49 | €1,176,051 | €929,815 | -€246,237 | -20.9% |
| Amounts payable after more than one year | 17 | €124,323 | €114,222 | -€10,102 | -8.1% |
| Financial debts | 170/4 | €124,323 | €114,222 | -€10,102 | -8.1% |
| Amounts payable within one year | 42/48 | €1,050,234 | €815,593 | -€234,641 | -22.3% |
| Current portion of amounts payable after more than one year | 42 | €9,929 | €10,102 | +€172 | +1.7% |
| Financial debts | 43 | €742,404 | €744,172 | +€1,767 | +0.2% |
| Credit institutions | 430/8 | €70 | - | -€70 | |
| Other loans | 439 | €742,334 | €744,172 | +€1,837 | +0.2% |
| Trade debts | 44 | €281,575 | €42,926 | -€238,649 | -84.8% |
| Suppliers | 440/4 | €281,575 | €42,926 | -€238,649 | -84.8% |
| Taxes, remuneration and social security | 45 | €3,773 | €3,843 | +€70 | +1.9% |
| Taxes | 450/3 | €3,773 | €3,843 | +€70 | +1.9% |
| Other amounts payable | 47/48 | €12,552 | €14,550 | +€1,997 | +15.9% |
| Accrued charges and deferred income | 492/3 | €1,494 | - | -€1,494 | |
| Non-recurring operating income | 76A | €0 | - | = | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €31,403 | €20,139 | -€11,264 | -35.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | - | €24,174 | +€24,174 | |
| Other operating charges | 640/8 | €9,383 | €19,084 | +€9,701 | +103% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | €26,328 | €69,423 | +€43,096 | +164% |
| Operating profit (loss) | 9901 | -€14,458 | €6,028 | +€20,486 | |
| Financial income | 75/76B | €0 | €201 | +€201 | |
| Recurring financial income | 75 | €0 | €201 | +€201 | |
| Financial charges | 65/66B | €14,987 | €13,678 | -€1,308 | -8.7% |
| Recurring financial charges | 65 | €14,987 | €13,678 | -€1,308 | -8.7% |
| Profit (loss) for the period before taxes | 9903 | -€29,445 | -€7,450 | +€21,995 | +74.7% |
| Profit (loss) for the period | 9904 | -€29,445 | -€7,450 | +€21,995 | +74.7% |
| Profit (loss) for the period to be appropriated | 9905 | -€29,445 | -€7,450 | +€21,995 | +74.7% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 4 November 2026 via checked.be.