Xpert-Habitat: what changed
Xpert-Habitat
Largest movements
- Tangible fixed assets -€4,784
down €4,784 (-86.3%), from €5,545 to €760
- Deferred charges and accrued income +€3,617
up €3,617 (+474%), from €764 to €4,381
- Cash -€827
down €827 (-7.8%), from €10,641 to €9,814
mainly Deferred charges and accrued income (-€3,617) and Net result for the year (-€2,238)
- Receivables within one year +€234
up €234 (+51.8%), from €452 to €686
of which Trade receivables: +€306
- Profit (loss) carried forward -€2,238
down €2,238 (-41.1%), from -€5,441 to -€7,679
- Trade debts +€992
up €992 (+857%), from €116 to €1,108
- Debts after one year -€437
down €437 (-16.2%), from €2,700 to €2,263
- Depreciation -€6,810
down €6,810 (-94.2%), from €7,232 to €422
- Other operating charges +€1,495
up €1,495 (+212%), from €707 to €2,202
- Gross operating margin -€1,262
down €1,262 (-45.1%), from €2,797 to €1,535
- Financial charges +€733
up €733 (+428%), from €171 to €904
- Taxes +€118
up €118 (+91.9%), from €128 to €246
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 | €17,501 | €15,741 | -€1,760 | -10.1% |
| Fixed assets | 21/28 | €5,645 | €861 | -€4,784 | -84.8% |
| Tangible fixed assets | 22/27 | €5,545 | €760 | -€4,784 | -86.3% |
| Furniture and vehicles | 24 | €5,545 | €760 | -€4,784 | -86.3% |
| Financial fixed assets | 28 | €100 | €100 | = | 0.0% |
| Current assets | 29/58 | €11,856 | €14,880 | +€3,024 | +25.5% |
| Amounts receivable within one year | 40/41 | €452 | €686 | +€234 | +51.8% |
| Trade receivables | 40 | €380 | €686 | +€306 | +80.5% |
| Other amounts receivable | 41 | €72 | - | -€72 | |
| Cash at bank and in hand | 54/58 | €10,641 | €9,814 | -€827 | -7.8% |
| Deferred charges and accrued income | 490/1 | €764 | €4,381 | +€3,617 | +474% |
| Total equity and liabilities | 10/49 | €17,501 | €15,741 | -€1,760 | -10.1% |
| Equity | 10/15 | €12,755 | €10,517 | -€2,238 | -17.5% |
| Contributions | 10/11 | €2,500 | €2,500 | = | 0.0% |
| Reserves | 13 | €15,696 | €15,696 | = | 0.0% |
| Distributable reserves | 133 | €15,696 | €15,696 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€5,441 | -€7,679 | -€2,238 | -41.1% |
| Amounts payable | 17/49 | €4,747 | €5,224 | +€478 | +10.1% |
| Amounts payable after more than one year | 17 | €2,700 | €2,263 | -€437 | -16.2% |
| Financial debts | 170/4 | €2,700 | €2,263 | -€437 | -16.2% |
| Amounts payable within one year | 42/48 | €1,639 | €2,518 | +€879 | +53.6% |
| Trade debts | 44 | €116 | €1,108 | +€992 | +857% |
| Suppliers | 440/4 | €116 | €1,108 | +€992 | +857% |
| Taxes, remuneration and social security | 45 | €1,524 | €1,410 | -€113 | -7.4% |
| Taxes | 450/3 | €1,524 | €1,410 | -€113 | -7.4% |
| Accrued charges and deferred income | 492/3 | €408 | €443 | +€35 | +8.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €7,232 | €422 | -€6,810 | -94.2% |
| Other operating charges | 640/8 | €707 | €2,202 | +€1,495 | +212% |
| Gross operating margin | 9900 | €2,797 | €1,535 | -€1,262 | -45.1% |
| Operating profit (loss) | 9901 | -€5,142 | -€1,089 | +€4,053 | +78.8% |
| Financial income | 75/76B | €0 | €1 | +€1 | +3,333% |
| Recurring financial income | 75 | €0 | €1 | +€1 | +3,333% |
| Financial charges | 65/66B | €171 | €904 | +€733 | +428% |
| Recurring financial charges | 65 | €171 | €904 | +€733 | +428% |
| Profit (loss) for the period before taxes | 9903 | -€5,313 | -€1,992 | +€3,321 | +62.5% |
| Income taxes | 67/77 | €128 | €246 | +€118 | +91.9% |
| Profit (loss) for the period | 9904 | -€5,441 | -€2,238 | +€3,203 | +58.9% |
| Profit (loss) for the period to be appropriated | 9905 | -€5,441 | -€2,238 | +€3,203 | +58.9% |
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 1 November 2026 via checked.be.