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ZEROM: 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

ZEROM

BE 0437.402.001
NACE 68.201, Renting and operating of own or leased residential real estate, excluding social housing
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€116,567
2024 · -€29,538+€146,105
Equity
€3.1m
2024 · €3.0m+€116,567
Cash
€118,170
2024 · €34,346+€83,824
Balance sheet total
€4.5m
2024 · €4.4m+€96,884

Largest movements

2024 to 2025
Assets
  • Current investments +€349,858

    up €349,858 (+246015.0%), from €142 to €350,000

  • Tangible fixed assets -€334,066

    down €334,066 (-7.6%), from €4.4m to €4.1m

    of which Land and buildings: -€345,249

  • Cash +€83,824

    up €83,824 (+244.1%), from €34,346 to €118,170

    mainly Investment in fixed assets (net) (+€198,190) and Depreciation (+€135,876)

Equity and liabilities
  • Reserves +€116,567

    up €116,567 (+4.6%), from €2.5m to €2.7m

    of which Distributable reserves: +€167,662

  • Current portion of long-term debt -€60,896

    down €60,896 (-70.4%), from €86,439 to €25,543

  • Other debts +€49,599

    up €49,599 (+52.5%), from €94,522 to €144,121

Income statement
  • Gross operating margin +€163,847

    up €163,847 (+83.3%), from €196,699 to €360,546

  • Taxes +€44,690

    up €44,690 (+610.8%), from €7,317 to €52,008

  • Depreciation -€23,501

    down €23,501 (-14.7%), from €159,377 to €135,876

  • Other operating charges -€3,725

    down €3,725 (-13.2%), from €28,241 to €24,515

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 -€29,538
Gross operating margin +€163,847
Depreciation +€23,501
Other operating charges +€3,725
Financial income -€0
Financial charges +€3,018
Taxes -€44,690
Deferred taxes and other -€3,296
Result 2025 €116,567

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 +€321,931
Investment -€151,668
Financing -€86,439
Cash 2024 €34,346
Net result for the year +€116,567
Depreciation +€135,876
Receivables within one year +€8,269
Deferred charges and accrued income -€5,537
Provisions -€13,798
Trade debts +€9,284
Tax, wage and social debts +€20,080
Other debts +€49,599
Accrued charges and deferred income +€1,591
Investment in fixed assets (net) +€198,190
Current investments -€349,858
Debts after one year -€25,543
Current portion of long-term debt -€60,896
Cash 2025 €118,170
Every line side by side 45 lines
Line Code 2024 2025 Change %
Total assets 20/58 €4,448,923 €4,545,807 +€96,884 +2.2%
Fixed assets 21/28 €4,401,315 €4,067,249 -€334,066 -7.6%
Tangible fixed assets 22/27 €4,401,315 €4,067,249 -€334,066 -7.6%
Land and buildings 22 €4,387,661 €4,042,412 -€345,249 -7.9%
Plant, machinery and equipment 23 €836 €149 -€687 -82.2%
Furniture and vehicles 24 €12,818 €24,688 +€11,870 +92.6%
Current assets 29/58 €47,608 €478,557 +€430,950 +905.2%
Amounts receivable within one year 40/41 €13,119 €4,850 -€8,269 -63.0%
Trade receivables 40 €13,119 €4,850 -€8,269 -63.0%
Current investments 50/53 €142 €350,000 +€349,858 +246015.0%
Cash at bank and in hand 54/58 €34,346 €118,170 +€83,824 +244.1%
Deferred charges and accrued income 490/1 - €5,537 +€5,537
Total equity and liabilities 10/49 €4,448,923 €4,545,807 +€96,884 +2.2%
Equity 10/15 €2,967,405 €3,083,972 +€116,567 +3.9%
Contributions 10/11 €426,894 €426,894 = 0.0%
Reserves 13 €2,540,511 €2,657,078 +€116,567 +4.6%
Tax-exempt reserves 132 €1,002,628 €951,533 -€51,095 -5.1%
Distributable reserves 133 €1,537,883 €1,705,545 +€167,662 +10.9%
Provisions and deferred taxes 16 €284,263 €270,466 -€13,798 -4.9%
Deferred taxes 168 €284,263 €270,466 -€13,798 -4.9%
Amounts payable 17/49 €1,197,254 €1,191,369 -€5,885 -0.5%
Amounts payable after more than one year 17 €979,638 €954,095 -€25,543 -2.6%
Financial debts 170/4 €979,638 €954,095 -€25,543 -2.6%
Amounts payable within one year 42/48 €204,683 €222,750 +€18,067 +8.8%
Current portion of amounts payable after more than one year 42 €86,439 €25,543 -€60,896 -70.4%
Trade debts 44 €167 €9,451 +€9,284 +5544.2%
Suppliers 440/4 €167 €9,451 +€9,284 +5544.2%
Taxes, remuneration and social security 45 €23,554 €43,634 +€20,080 +85.3%
Taxes 450/3 €23,554 €43,634 +€20,080 +85.3%
Other amounts payable 47/48 €94,522 €144,121 +€49,599 +52.5%
Accrued charges and deferred income 492/3 €12,933 €14,523 +€1,591 +12.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €159,377 €135,876 -€23,501 -14.7%
Other operating charges 640/8 €28,241 €24,515 -€3,725 -13.2%
Gross operating margin 9900 €196,699 €360,546 +€163,847 +83.3%
Operating profit (loss) 9901 €9,082 €200,155 +€191,073 +2103.9%
Financial income 75/76B €0 - -€0
Recurring financial income 75 €0 - -€0
Financial charges 65/66B €48,396 €45,378 -€3,018 -6.2%
Recurring financial charges 65 €48,396 €45,378 -€3,018 -6.2%
Profit (loss) for the period before taxes 9903 -€39,314 €154,777 +€194,091
Transfer from deferred taxes 780 €17,094 €13,798 -€3,296 -19.3%
Income taxes 67/77 €7,317 €52,008 +€44,690 +610.8%
Profit (loss) for the period 9904 -€29,538 €116,567 +€146,105
Transfer from tax-exempt reserves 789 €65,227 €51,095 -€14,132 -21.7%
Profit (loss) for the period to be appropriated 9905 €35,689 €167,662 +€131,973 +369.8%

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.