XAVIER LENDERS: what changed
XAVIER LENDERS
Largest movements
- Receivables within one year +€1,691
up €1,691 (+16.8%), from €10,067 to €11,758
of which Other amounts receivable: +€10,500
- Cash -€1,199
down €1,199 (-2.0%), from €60,167 to €58,968
mainly Contributions, distributions and other (-€11,487) and Receivables within one year (-€1,691)
No liability line moved by more than 1% of the balance sheet total.
- Gross operating margin -€22,129
down €22,129 (-56.1%), from €39,414 to €17,285
- Turnover -€12,651
down €12,651 (-19.5%), from €64,880 to €52,229
- Purchases and services +€9,478
up €9,478 (+36.8%), from €25,754 to €35,232
- Taxes -€4,625
down €4,625 (-49.7%), from €9,300 to €4,675
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €71,029 | €71,110 | +€81 | +0.1% |
| Fixed assets | 21/28 | €639 | €384 | -€255 | -39.8% |
| Tangible fixed assets | 22/27 | €614 | €359 | -€255 | -41.5% |
| Furniture and vehicles | 24 | €614 | €359 | -€255 | -41.5% |
| Financial fixed assets | 28 | €25 | €25 | = | 0.0% |
| Current assets | 29/58 | €70,390 | €70,726 | +€336 | +0.5% |
| Stocks and contracts in progress | 3 | €156 | - | -€156 | |
| Stocks | 30/36 | €156 | - | -€156 | |
| Amounts receivable within one year | 40/41 | €10,067 | €11,758 | +€1,691 | +16.8% |
| Trade receivables | 40 | €10,067 | €1,258 | -€8,809 | -87.5% |
| Other amounts receivable | 41 | - | €10,500 | +€10,500 | |
| Cash at bank and in hand | 54/58 | €60,167 | €58,968 | -€1,199 | -2.0% |
| Total equity and liabilities | 10/49 | €71,029 | €71,110 | +€81 | +0.1% |
| Equity | 10/15 | €52,382 | €52,724 | +€342 | +0.7% |
| Contributions | 10/11 | €12,500 | €12,500 | = | 0.0% |
| Contributions outside capital | 11 | €12,500 | - | -€12,500 | |
| Share premium | 1100/10 | €12,500 | - | -€12,500 | |
| Reserves | 13 | €37,487 | €37,500 | +€13 | 0.0% |
| Distributable reserves | 133 | €37,487 | €37,500 | +€13 | 0.0% |
| Profit (loss) carried forward | 14 | €2,395 | €2,724 | +€329 | +13.7% |
| Amounts payable | 17/49 | €18,647 | €18,386 | -€261 | -1.4% |
| Amounts payable within one year | 42/48 | €18,647 | €18,386 | -€261 | -1.4% |
| Trade debts | 44 | €0 | €25 | +€25 | |
| Suppliers | 440/4 | €0 | €25 | +€25 | |
| Taxes, remuneration and social security | 45 | €14,469 | €14,215 | -€254 | -1.8% |
| Taxes | 450/3 | €14,469 | €14,215 | -€254 | -1.8% |
| Other amounts payable | 47/48 | €4,179 | €4,147 | -€32 | -0.8% |
| Turnover | 70 | €64,880 | €52,229 | -€12,651 | -19.5% |
| Non-recurring operating income | 76A | €0 | - | = | |
| Goods, raw materials, services and sundry goods | 60/61 | €25,754 | €35,232 | +€9,478 | +36.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €150 | €255 | +€105 | +69.8% |
| Other operating charges | 640/8 | €482 | €480 | -€3 | -0.6% |
| Gross operating margin | 9900 | €39,414 | €17,285 | -€22,129 | -56.1% |
| Operating profit (loss) | 9901 | €38,782 | €16,551 | -€22,231 | -57.3% |
| Financial charges | 65/66B | €54 | €46 | -€7 | -13.5% |
| Recurring financial charges | 65 | €54 | €46 | -€7 | -13.5% |
| Profit (loss) for the period before taxes | 9903 | €38,728 | €16,504 | -€22,224 | -57.4% |
| Income taxes | 67/77 | €9,300 | €4,675 | -€4,625 | -49.7% |
| Profit (loss) for the period | 9904 | €29,428 | €11,829 | -€17,599 | -59.8% |
| Profit (loss) for the period to be appropriated | 9905 | €29,428 | €11,829 | -€17,599 | -59.8% |
Next steps
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 2 November 2026 via checked.be.