YAMY: 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.
What changed
YAMY
NACE 77.229, Renting and leasing of other personal and household goods
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€4,031
2024 · €8,969-€4,937
Equity
€73,252
2024 · €69,221+€4,031
Cash
€20,283
2024 · €21,301-€1,018
Balance sheet total
€106,465
2024 · €113,579-€7,114
Largest movements
Assets
- Tangible fixed assets -€6,979
down €6,979 (-26.9%), from €25,921 to €18,942
of which Other tangible fixed assets: -€6,474
- Receivables within one year +€3,159
up €3,159 (+20.1%), from €15,736 to €18,896
of which Trade receivables: +€3,155
- Stocks and contracts -€1,403
down €1,403 (-3.1%), from €45,797 to €44,394
of which Stocks: -€1,403
Equity and liabilities
- Trade debts -€7,400
down €7,400 (-79.1%), from €9,349 to €1,950
of which Suppliers: -€7,400
- Debts after one year -€5,099
down €5,099 (-46.7%), from €10,924 to €5,824
of which Financial debts: -€5,099
- Profit (loss) carried forward +€4,031
up €4,031 (+8.3%), from €48,761 to €52,792
Income statement
- Gross operating margin -€6,111
down €6,111 (-22.1%), from €27,655 to €21,544
- Staff costs +€2,122
up €2,122 (+43.4%), from €4,889 to €7,011
- Taxes -€1,943
down €1,943 (-55.1%), from €3,527 to €1,584
- Other operating charges -€1,511
down €1,511 (-72.4%), from €2,088 to €577
- Depreciation +€347
up €347 (+5.2%), from €6,632 to €6,979
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.
Result 2024
€8,969
Gross operating margin
-€6,111
Staff costs
-€2,122
Depreciation
-€347
Other operating charges
+€1,511
Financial income
+€126
Financial charges
+€61
Taxes
+€1,943
Result 2025
€4,031
raises the resultlowers the result
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.
From operations
+€3,830
Investment
€0
Financing
-€4,847
Cash 2024
€21,301
From operations (derived)
+€3,830
Net result for the year
+€4,031
Depreciation
+€6,979
Stocks and contracts
+€1,403
Receivables within one year
-€3,159
Deferred charges and accrued income
+€873
Trade debts
-€7,400
Tax, wage and social debts
+€974
Other debts
+€127
Financing
-€4,847
Debts after one year
-€5,099
Current portion of long-term debt
+€252
Cash 2025
€20,283
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €113,579 | €106,465 | -€7,114 | -6.3% |
| Formation expenses | 20 | €0 | €0 | = | |
| Fixed assets | 21/28 | €29,621 | €22,642 | -€6,979 | -23.6% |
| Intangible fixed assets | 21 | €0 | €0 | = | |
| Tangible fixed assets | 22/27 | €25,921 | €18,942 | -€6,979 | -26.9% |
| Land and buildings | 22 | €0 | €0 | = | |
| Plant, machinery and equipment | 23 | €0 | €0 | = | |
| Furniture and vehicles | 24 | €572 | €67 | -€505 | -88.2% |
| Leasing and similar rights | 25 | €0 | €0 | = | |
| Other tangible fixed assets | 26 | €25,348 | €18,874 | -€6,474 | -25.5% |
| Assets under construction and advance payments | 27 | €0 | €0 | = | |
| Financial fixed assets | 28 | €3,700 | €3,700 | = | 0.0% |
| Current assets | 29/58 | €83,958 | €83,823 | -€135 | -0.2% |
| Amounts receivable after more than one year | 29 | €0 | €0 | = | |
| Trade receivables | 290 | €0 | €0 | = | |
| Other amounts receivable | 291 | €0 | €0 | = | |
| Stocks and contracts in progress | 3 | €45,797 | €44,394 | -€1,403 | -3.1% |
| Stocks | 30/36 | €45,797 | €44,394 | -€1,403 | -3.1% |
| Contracts in progress | 37 | €0 | €0 | = | |
| Amounts receivable within one year | 40/41 | €15,736 | €18,896 | +€3,159 | +20.1% |
| Trade receivables | 40 | €15,736 | €18,891 | +€3,155 | +20.0% |
| Other amounts receivable | 41 | €0 | €4 | +€4 | |
| Current investments | 50/53 | €0 | €0 | = | |
| Cash at bank and in hand | 54/58 | €21,301 | €20,283 | -€1,018 | -4.8% |
| Deferred charges and accrued income | 490/1 | €1,124 | €250 | -€873 | -77.7% |
| Total equity and liabilities | 10/49 | €113,579 | €106,465 | -€7,114 | -6.3% |
| Equity | 10/15 | €69,221 | €73,252 | +€4,031 | +5.8% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Revaluation surpluses | 12 | €0 | €0 | = | |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Own shares acquired | 1312 | €0 | €0 | = | |
| Financial assistance | 1313 | €0 | €0 | = | |
| Other | 1319 | €0 | €0 | = | |
| Tax-exempt reserves | 132 | €0 | €0 | = | |
| Distributable reserves | 133 | €0 | €0 | = | |
| Profit (loss) carried forward | 14 | €48,761 | €52,792 | +€4,031 | +8.3% |
| Investment grants | 15 | €0 | €0 | = | |
| Advance to shareholders on the distribution of net assets | 19 | €0 | €0 | = | |
| Provisions and deferred taxes | 16 | €0 | €0 | = | |
| Provisions for liabilities and charges | 160/5 | €0 | €0 | = | |
| Pensions and similar obligations | 160 | €0 | €0 | = | |
| Taxes | 161 | €0 | €0 | = | |
| Major repairs and maintenance | 162 | €0 | €0 | = | |
| Environmental obligations | 163 | €0 | €0 | = | |
| Other liabilities and charges | 164/5 | €0 | €0 | = | |
| Deferred taxes | 168 | €0 | €0 | = | |
| Amounts payable | 17/49 | €44,358 | €33,213 | -€11,145 | -25.1% |
| Amounts payable after more than one year | 17 | €10,924 | €5,824 | -€5,099 | -46.7% |
| Financial debts | 170/4 | €10,924 | €5,824 | -€5,099 | -46.7% |
| Trade debts | 175 | €0 | €0 | = | |
| Advances received on contracts in progress | 176 | €0 | €0 | = | |
| Other amounts payable | 178/9 | €0 | €0 | = | |
| Amounts payable within one year | 42/48 | €33,435 | €27,389 | -€6,046 | -18.1% |
| Current portion of amounts payable after more than one year | 42 | €4,847 | €5,099 | +€252 | +5.2% |
| Financial debts | 43 | €0 | €0 | = | |
| Credit institutions | 430/8 | €0 | €0 | = | |
| Other loans | 439 | €0 | €0 | = | |
| Trade debts | 44 | €9,349 | €1,950 | -€7,400 | -79.1% |
| Suppliers | 440/4 | €9,349 | €1,950 | -€7,400 | -79.1% |
| Bills of exchange payable | 441 | €0 | €0 | = | |
| Advances received on contracts in progress | 46 | €0 | €0 | = | |
| Taxes, remuneration and social security | 45 | €15,928 | €16,903 | +€974 | +6.1% |
| Taxes | 450/3 | €11,816 | €12,753 | +€937 | +7.9% |
| Remuneration and social security | 454/9 | €4,113 | €4,150 | +€37 | +0.9% |
| Other amounts payable | 47/48 | €3,310 | €3,437 | +€127 | +3.8% |
| Accrued charges and deferred income | 492/3 | €0 | €0 | = | |
| Turnover | 70 | €0 | - | = | |
| Non-recurring operating income | 76A | €0 | - | = | |
| Goods, raw materials, services and sundry goods | 60/61 | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €4,889 | €7,011 | +€2,122 | +43.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €6,632 | €6,979 | +€347 | +5.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €0 | €0 | = | |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | €0 | €0 | = | |
| Other operating charges | 640/8 | €2,088 | €577 | -€1,511 | -72.4% |
| Operating charges capitalised as restructuring costs | 649 | €0 | - | = | |
| Non-recurring operating charges | 66A | €0 | €0 | = | |
| Gross operating margin | 9900 | €27,655 | €21,544 | -€6,111 | -22.1% |
| Operating profit (loss) | 9901 | €14,045 | €6,977 | -€7,068 | -50.3% |
| Financial income | 75/76B | €121 | €247 | +€126 | +105% |
| Recurring financial income | 75 | €121 | €247 | +€126 | +105% |
| Non-recurring financial income | 76B | €0 | €0 | = | |
| Financial charges | 65/66B | €1,670 | €1,609 | -€61 | -3.6% |
| Recurring financial charges | 65 | €1,670 | €1,609 | -€61 | -3.6% |
| Non-recurring financial charges | 66B | €0 | €0 | = | |
| Profit (loss) for the period before taxes | 9903 | €12,496 | €5,615 | -€6,881 | -55.1% |
| Transfer from deferred taxes | 780 | €0 | €0 | = | |
| Transfer to deferred taxes | 680 | €0 | €0 | = | |
| Income taxes | 67/77 | €3,527 | €1,584 | -€1,943 | -55.1% |
| Profit (loss) for the period | 9904 | €8,969 | €4,031 | -€4,937 | -55.1% |
| Transfer from tax-exempt reserves | 789 | €0 | €0 | = | |
| Transfer to tax-exempt reserves | 689 | €0 | €0 | = | |
| Profit (loss) for the period to be appropriated | 9905 | €8,969 | €4,031 | -€4,937 | -55.1% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 October 2026 via checked.be.