YOUR SAVINGS: 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.
YOUR SAVINGS
Largest movements
- Receivables within one year -€5,565
down €5,565 (-18.8%), from €29,674 to €24,109
of which Trade receivables: -€8,414
- Receivables after one year -€2,497
down €2,497 (-3.4%), from €72,882 to €70,385
- Reserves +€13,028
up €13,028 (+14.2%), from €91,606 to €104,634
of which Distributable reserves: +€13,028
- Tax, wage and social debts -€12,660
down €12,660 (-77.8%), from €16,268 to €3,608
of which Taxes: -€14,660
- Debts after one year -€5,652
down €5,652 (-56.3%), from €10,042 to €4,391
- Trade debts -€3,279
down €3,279 (-79.6%), from €4,120 to €842
- Other debts -€1,636
down €1,636 (-22.1%), from €7,386 to €5,750
- Gross operating margin +€19,196
up €19,196 (+303%), from €6,334 to €25,530
- Taxes +€4,808
up €4,808 (+200%), from €2,408 to €7,215
- Financial charges -€766
down €766 (-41.7%), from €1,838 to €1,071
- Depreciation +€624
up €624 (+15.6%), from €3,990 to €4,614
- Other operating charges -€288
down €288 (-16.0%), from €1,800 to €1,512
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 | €145,888 | €135,894 | -€9,994 | -6.9% |
| Fixed assets | 21/28 | €23,388 | €22,893 | -€495 | -2.1% |
| Tangible fixed assets | 22/27 | €23,388 | €22,893 | -€495 | -2.1% |
| Plant, machinery and equipment | 23 | - | €2,195 | +€2,195 | |
| Furniture and vehicles | 24 | €2,949 | €2,069 | -€880 | -29.8% |
| Leasing and similar rights | 25 | €2,988 | €2,578 | -€410 | -13.7% |
| Other tangible fixed assets | 26 | €17,450 | €16,050 | -€1,400 | -8.0% |
| Current assets | 29/58 | €122,501 | €113,001 | -€9,500 | -7.8% |
| Amounts receivable after more than one year | 29 | €72,882 | €70,385 | -€2,497 | -3.4% |
| Other amounts receivable | 291 | €72,882 | €70,385 | -€2,497 | -3.4% |
| Amounts receivable within one year | 40/41 | €29,674 | €24,109 | -€5,565 | -18.8% |
| Trade receivables | 40 | €19,648 | €11,234 | -€8,414 | -42.8% |
| Other amounts receivable | 41 | €10,026 | €12,874 | +€2,848 | +28.4% |
| Cash at bank and in hand | 54/58 | €18,364 | €17,666 | -€698 | -3.8% |
| Deferred charges and accrued income | 490/1 | €1,580 | €841 | -€739 | -46.8% |
| Total equity and liabilities | 10/49 | €145,888 | €135,894 | -€9,994 | -6.9% |
| Equity | 10/15 | €99,227 | €112,255 | +€13,028 | +13.1% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €91,606 | €104,634 | +€13,028 | +14.2% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €89,746 | €102,774 | +€13,028 | +14.5% |
| Profit (loss) carried forward | 14 | €1,421 | €1,421 | = | 0.0% |
| Amounts payable | 17/49 | €46,662 | €23,639 | -€23,022 | -49.3% |
| Amounts payable after more than one year | 17 | €10,042 | €4,391 | -€5,652 | -56.3% |
| Financial debts | 170/4 | €10,042 | €4,391 | -€5,652 | -56.3% |
| Amounts payable within one year | 42/48 | €36,620 | €19,249 | -€17,371 | -47.4% |
| Current portion of amounts payable after more than one year | 42 | €8,846 | €9,049 | +€203 | +2.3% |
| Trade debts | 44 | €4,120 | €842 | -€3,279 | -79.6% |
| Suppliers | 440/4 | €4,120 | €842 | -€3,279 | -79.6% |
| Taxes, remuneration and social security | 45 | €16,268 | €3,608 | -€12,660 | -77.8% |
| Taxes | 450/3 | €16,268 | €1,608 | -€14,660 | -90.1% |
| Remuneration and social security | 454/9 | - | €2,000 | +€2,000 | |
| Other amounts payable | 47/48 | €7,386 | €5,750 | -€1,636 | -22.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,990 | €4,614 | +€624 | +15.6% |
| Other operating charges | 640/8 | €1,800 | €1,512 | -€288 | -16.0% |
| Gross operating margin | 9900 | €6,334 | €25,530 | +€19,196 | +303% |
| Operating profit (loss) | 9901 | €543 | €19,404 | +€18,861 | +3,474% |
| Financial income | 75/76B | €2,185 | €1,911 | -€274 | -12.5% |
| Recurring financial income | 75 | €2,185 | €1,911 | -€274 | -12.5% |
| Financial charges | 65/66B | €1,838 | €1,071 | -€766 | -41.7% |
| Recurring financial charges | 65 | €1,838 | €1,071 | -€766 | -41.7% |
| Profit (loss) for the period before taxes | 9903 | €890 | €20,243 | +€19,353 | +2,174% |
| Income taxes | 67/77 | €2,408 | €7,215 | +€4,808 | +200% |
| Profit (loss) for the period | 9904 | -€1,517 | €13,028 | +€14,545 | |
| Profit (loss) for the period to be appropriated | 9905 | -€1,517 | €13,028 | +€14,545 |
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 29 October 2026 via checked.be.