Urban & Immo: 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 & Immo
Largest movements
- Cash -€11,283
down €11,283 (-100%), from €11,283 to €0
mainly Tax, wage and social debts (-€10,669) and Trade debts (-€4,757)
- Receivables within one year -€6,436
down €6,436 (-13.3%), from €48,311 to €41,875
of which Trade receivables: -€7,508
- Tax, wage and social debts -€10,669
down €10,669 (-67.3%), from €15,848 to €5,179
of which Taxes: -€8,632
- Trade debts -€4,757
down €4,757 (-54.5%), from €8,725 to €3,968
- Profit (loss) carried forward -€2,293
down €2,293 (-8.1%), from €28,475 to €26,183
- Turnover -€95,984
down €95,984 (-100%), from €95,984 to €0
- Purchases and services -€82,338
down €82,338 (-94.9%), from €86,787 to €4,449
- Gross operating margin -€21,878
down €21,878, from €17,430 to -€4,449
- Taxes -€4,755
no longer reported in 2025 (was €4,755)
- Financial charges -€2,312
down €2,312 (-96.7%), from €2,391 to €78
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 | €59,648 | €41,929 | -€17,719 | -29.7% |
| Fixed assets | 21/28 | €54 | €54 | = | 0.0% |
| Financial fixed assets | 28 | €54 | €54 | = | 0.0% |
| Current assets | 29/58 | €59,594 | €41,875 | -€17,719 | -29.7% |
| Amounts receivable within one year | 40/41 | €48,311 | €41,875 | -€6,436 | -13.3% |
| Trade receivables | 40 | €7,617 | €109 | -€7,508 | -98.6% |
| Other amounts receivable | 41 | €40,694 | €41,766 | +€1,072 | +2.6% |
| Cash at bank and in hand | 54/58 | €11,283 | €0 | -€11,283 | -100% |
| Total equity and liabilities | 10/49 | €59,648 | €41,929 | -€17,719 | -29.7% |
| Equity | 10/15 | €35,075 | €32,783 | -€2,293 | -6.5% |
| Contributions | 10/11 | €6,000 | €6,000 | = | 0.0% |
| Reserves | 13 | €600 | €600 | = | 0.0% |
| Non-distributable reserves | 130/1 | €600 | €600 | = | 0.0% |
| Reserves not available under the articles | 1311 | €600 | €600 | = | 0.0% |
| Profit (loss) carried forward | 14 | €28,475 | €26,183 | -€2,293 | -8.1% |
| Amounts payable | 17/49 | €24,573 | €9,146 | -€15,426 | -62.8% |
| Amounts payable within one year | 42/48 | €24,573 | €9,146 | -€15,426 | -62.8% |
| Trade debts | 44 | €8,725 | €3,968 | -€4,757 | -54.5% |
| Suppliers | 440/4 | €8,725 | €3,968 | -€4,757 | -54.5% |
| Taxes, remuneration and social security | 45 | €15,848 | €5,179 | -€10,669 | -67.3% |
| Taxes | 450/3 | €13,810 | €5,179 | -€8,632 | -62.5% |
| Remuneration and social security | 454/9 | €2,037 | €0 | -€2,037 | -100% |
| Other amounts payable | 47/48 | €0 | €0 | = | |
| Turnover | 70 | €95,984 | €0 | -€95,984 | -100% |
| Goods, raw materials, services and sundry goods | 60/61 | €86,787 | €4,449 | -€82,338 | -94.9% |
| Other operating charges | 640/8 | €64 | €0 | -€64 | -100% |
| Gross operating margin | 9900 | €17,430 | -€4,449 | -€21,878 | |
| Operating profit (loss) | 9901 | €17,366 | -€4,449 | -€21,815 | |
| Financial income | 75/76B | €2,162 | €2,234 | +€72 | +3.3% |
| Recurring financial income | 75 | €2,162 | €2,234 | +€72 | +3.3% |
| Financial charges | 65/66B | €2,391 | €78 | -€2,312 | -96.7% |
| Recurring financial charges | 65 | €2,391 | €78 | -€2,312 | -96.7% |
| Profit (loss) for the period before taxes | 9903 | €17,138 | -€2,293 | -€19,431 | |
| Income taxes | 67/77 | €4,755 | - | -€4,755 | |
| Profit (loss) for the period | 9904 | €12,383 | -€2,293 | -€14,675 | |
| Profit (loss) for the period to be appropriated | 9905 | €12,383 | -€2,293 | -€14,675 |
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.