Skip to content

YourExpert: what changed

Two fiscal 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

YourExpert

BE 0795.521.447
NACE 66.300, Activities auxiliary to financial services and insurance activities
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€20,346
2024 · €30,860-€10,514
Equity
€81,517
2024 · €61,171+€20,346
Cash
€3,605
2024 · €1,683+€1,922
Balance sheet total
€252,028
2024 · €226,208+€25,820

Largest movements

2024 to 2025
Assets
  • Deferred charges and accrued income +€8,291

    up €8,291 (+1011.6%), from €820 to €9,111

  • Receivables within one year +€6,867

    up €6,867 (+3.1%), from €220,028 to €226,895

    of which Other amounts receivable: +€82,287

  • Tangible fixed assets +€3,566

    up €3,566 (+343.8%), from €1,037 to €4,604

    of which Plant, machinery and equipment: +€2,610

  • Financial fixed assets +€3,300

    new in 2025: €3,300

Equity and liabilities
  • Reserves +€75,517

    new in 2025: €75,517

  • Profit (loss) carried forward -€55,171

    down €55,171 (-100.0%), from €55,171 to €0

  • Tax, wage and social debts -€24,924

    down €24,924 (-18.5%), from €134,911 to €109,988

  • Short-term financial debts +€20,000

    new in 2025: €20,000

  • Trade debts +€10,328

    up €10,328 (+34.3%), from €30,126 to €40,454

Income statement
  • Financial charges +€18,389

    up €18,389 (+12381.5%), from €149 to €18,538

  • Gross operating margin +€16,680

    up €16,680 (+34.2%), from €48,750 to €65,430

  • Other operating charges +€5,847

    up €5,847 (+131.7%), from €4,441 to €10,288

  • Taxes +€3,480

    up €3,480 (+32.0%), from €10,867 to €14,347

  • Financial income -€1,836

    down €1,836 (-96.1%), from €1,911 to €74

From the 2024 result to the 2025 result

effect on the 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 €30,860
Gross operating margin +€16,680
Depreciation -€1,287
Other operating charges -€5,847
Other operating items +€3,645
Financial income -€1,836
Financial charges -€18,389
Taxes -€3,480
Result 2025 €20,346

Cash bridge derived

cash 2024 to 2025

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 -€7,352
Investment -€10,726
Financing +€20,000
Cash 2024 €1,683
Net result for the year +€20,346
Depreciation +€1,986
Receivables within one year -€6,867
Deferred charges and accrued income -€8,291
Trade debts +€10,328
Tax, wage and social debts -€24,924
Accrued charges and deferred income +€69
Investment in fixed assets (net) -€10,726
Short-term financial debts +€20,000
Cash 2025 €3,605
Every line side by side 42 lines
Line Code 2024 2025 Change %
Total assets 20/58 €226,208 €252,028 +€25,820 +11.4%
Fixed assets 21/28 €3,678 €12,418 +€8,740 +237.6%
Intangible fixed assets 21 €2,641 €4,514 +€1,873 +70.9%
Tangible fixed assets 22/27 €1,037 €4,604 +€3,566 +343.8%
Plant, machinery and equipment 23 €1,037 €3,647 +€2,610 +251.6%
Furniture and vehicles 24 €0 €956 +€956
Financial fixed assets 28 - €3,300 +€3,300
Current assets 29/58 €222,530 €239,610 +€17,080 +7.7%
Amounts receivable within one year 40/41 €220,028 €226,895 +€6,867 +3.1%
Trade receivables 40 €83,561 €8,141 -€75,420 -90.3%
Other amounts receivable 41 €136,467 €218,754 +€82,287 +60.3%
Cash at bank and in hand 54/58 €1,683 €3,605 +€1,922 +114.2%
Deferred charges and accrued income 490/1 €820 €9,111 +€8,291 +1011.6%
Total equity and liabilities 10/49 €226,208 €252,028 +€25,820 +11.4%
Equity 10/15 €61,171 €81,517 +€20,346 +33.3%
Contributions 10/11 €6,000 €6,000 = 0.0%
Reserves 13 - €75,517 +€75,517
Distributable reserves 133 - €75,517 +€75,517
Profit (loss) carried forward 14 €55,171 €0 -€55,171 -100.0%
Amounts payable 17/49 €165,037 €170,511 +€5,474 +3.3%
Amounts payable within one year 42/48 €165,037 €170,442 +€5,405 +3.3%
Financial debts 43 - €20,000 +€20,000
Credit institutions 430/8 - €20,000 +€20,000
Trade debts 44 €30,126 €40,454 +€10,328 +34.3%
Suppliers 440/4 €30,126 €40,454 +€10,328 +34.3%
Taxes, remuneration and social security 45 €134,911 €109,988 -€24,924 -18.5%
Taxes 450/3 €134,911 €109,988 -€24,924 -18.5%
Accrued charges and deferred income 492/3 - €69 +€69
Remuneration, social security and pensions 62 €0 - =
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €699 €1,986 +€1,287 +184.2%
Other operating charges 640/8 €4,441 €10,288 +€5,847 +131.7%
Non-recurring operating charges 66A €3,645 €0 -€3,645 -100.0%
Gross operating margin 9900 €48,750 €65,430 +€16,680 +34.2%
Operating profit (loss) 9901 €39,965 €53,156 +€13,191 +33.0%
Financial income 75/76B €1,911 €74 -€1,836 -96.1%
Recurring financial income 75 €1,911 €74 -€1,836 -96.1%
Financial charges 65/66B €149 €18,538 +€18,389 +12381.5%
Recurring financial charges 65 €149 €18,538 +€18,389 +12381.5%
Profit (loss) for the period before taxes 9903 €41,727 €34,693 -€7,034 -16.9%
Income taxes 67/77 €10,867 €14,347 +€3,480 +32.0%
Profit (loss) for the period 9904 €30,860 €20,346 -€10,514 -34.1%
Profit (loss) for the period to be appropriated 9905 €30,860 €20,346 -€10,514 -34.1%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.