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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

VERMEERSCH LUC

BE 0437.166.330
NACE 41.001, General construction of residential buildings
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€56,247
2024 · -€53,903-€2,344
Equity
€62,286
2024 · €118,532-€56,247
Cash
€35,917
2024 · €16,145+€19,772
Balance sheet total
€217,418
2024 · €356,884-€139,466

Largest movements

2024 to 2025
Assets
  • Receivables within one year -€103,900

    down €103,900 (-73.5%), from €141,296 to €37,396

    of which Trade receivables: -€102,980

  • Stocks and contracts -€28,700

    down €28,700 (-30.3%), from €94,630 to €65,930

    of which Contracts in progress: -€34,100

  • Tangible fixed assets -€25,848

    down €25,848 (-26.4%), from €98,073 to €72,225

    of which Land and buildings: -€19,863

  • Cash +€19,772

    up €19,772 (+122.5%), from €16,145 to €35,917

    mainly Receivables within one year (+€103,900) and Depreciation (+€29,210)

Equity and liabilities
  • Other debts -€64,355

    down €64,355 (-47.5%), from €135,541 to €71,186

  • Profit (loss) carried forward -€56,247

    down €56,247 (-95.5%), from €58,904 to €2,658

  • Accrued charges and deferred income -€7,797

    down €7,797 (-51.6%), from €15,115 to €7,318

  • Tax, wage and social debts -€5,487

    down €5,487 (-88.1%), from €6,226 to €739

    of which Taxes: -€2,991

  • Debts after one year -€4,407

    no longer reported in 2025 (was €4,407)

Income statement
  • Gross operating margin -€88,221

    down €88,221 (-64.3%), from €137,254 to €49,033

  • Staff costs -€65,349

    down €65,349 (-52.3%), from €124,969 to €59,619

  • Financial charges -€20,262

    down €20,262 (-63.6%), from €31,838 to €11,576

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 -€53,903
Gross operating margin -€88,221
Staff costs +€65,349
Depreciation +€848
Other operating charges -€12
Financial income -€394
Financial charges +€20,262
Taxes -€177
Result 2025 -€56,247

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 +€29,391
Investment -€3,362
Financing -€6,257
Cash 2024 €16,145
Net result for the year -€56,247
Depreciation +€29,210
Stocks and contracts +€28,700
Receivables within one year +€103,900
Deferred charges and accrued income +€789
Trade debts +€676
Tax, wage and social debts -€5,487
Other debts -€64,355
Accrued charges and deferred income -€7,797
Investment in fixed assets (net) -€3,362
Debts after one year -€4,407
Current portion of long-term debt -€1,850
Cash 2025 €35,917
Every line side by side 50 lines
Line Code 2024 2025 Change %
Total assets 20/58 €356,884 €217,418 -€139,466 -39.1%
Fixed assets 21/28 €98,073 €72,225 -€25,848 -26.4%
Tangible fixed assets 22/27 €98,073 €72,225 -€25,848 -26.4%
Land and buildings 22 €69,848 €49,985 -€19,863 -28.4%
Plant, machinery and equipment 23 €10,409 €8,511 -€1,898 -18.2%
Furniture and vehicles 24 - €663 +€663
Leasing and similar rights 25 €17,816 €13,066 -€4,750 -26.7%
Current assets 29/58 €258,811 €145,194 -€113,617 -43.9%
Stocks and contracts in progress 3 €94,630 €65,930 -€28,700 -30.3%
Stocks 30/36 €25,530 €30,930 +€5,400 +21.2%
Contracts in progress 37 €69,100 €35,000 -€34,100 -49.3%
Amounts receivable within one year 40/41 €141,296 €37,396 -€103,900 -73.5%
Trade receivables 40 €133,525 €30,545 -€102,980 -77.1%
Other amounts receivable 41 €7,770 €6,851 -€920 -11.8%
Cash at bank and in hand 54/58 €16,145 €35,917 +€19,772 +122.5%
Deferred charges and accrued income 490/1 €6,741 €5,951 -€789 -11.7%
Total equity and liabilities 10/49 €356,884 €217,418 -€139,466 -39.1%
Equity 10/15 €118,532 €62,286 -€56,247 -47.5%
Contributions 10/11 €35,084 €35,084 = 0.0%
Reserves 13 €24,543 €24,543 = 0.0%
Tax-exempt reserves 132 €24,543 €24,543 = 0.0%
Profit (loss) carried forward 14 €58,904 €2,658 -€56,247 -95.5%
Amounts payable 17/49 €238,352 €155,133 -€83,219 -34.9%
Amounts payable after more than one year 17 €4,407 - -€4,407
Financial debts 170/4 €4,407 - -€4,407
Amounts payable within one year 42/48 €218,830 €147,815 -€71,016 -32.5%
Current portion of amounts payable after more than one year 42 €6,254 €4,404 -€1,850 -29.6%
Financial debts 43 €50,000 €50,000 = 0.0%
Credit institutions 430/8 €50,000 €50,000 = 0.0%
Trade debts 44 €20,810 €21,486 +€676 +3.3%
Suppliers 440/4 €20,810 €21,486 +€676 +3.3%
Taxes, remuneration and social security 45 €6,226 €739 -€5,487 -88.1%
Taxes 450/3 €3,168 €176 -€2,991 -94.4%
Remuneration and social security 454/9 €3,058 €562 -€2,496 -81.6%
Other amounts payable 47/48 €135,541 €71,186 -€64,355 -47.5%
Accrued charges and deferred income 492/3 €15,115 €7,318 -€7,797 -51.6%
Non-recurring operating income 76A - €681 +€681
Remuneration, social security and pensions 62 €124,969 €59,619 -€65,349 -52.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €30,059 €29,210 -€848 -2.8%
Other operating charges 640/8 €4,871 €4,883 +€12 +0.2%
Gross operating margin 9900 €137,254 €49,033 -€88,221 -64.3%
Operating profit (loss) 9901 -€22,644 -€44,679 -€22,035 -97.3%
Financial income 75/76B €581 €187 -€394 -67.7%
Recurring financial income 75 €581 €187 -€394 -67.7%
Financial charges 65/66B €31,838 €11,576 -€20,262 -63.6%
Recurring financial charges 65 €31,838 €11,576 -€20,262 -63.6%
Profit (loss) for the period before taxes 9903 -€53,901 -€56,067 -€2,167 -4.0%
Income taxes 67/77 €2 €179 +€177 +9531.2%
Profit (loss) for the period 9904 -€53,903 -€56,247 -€2,344 -4.3%
Profit (loss) for the period to be appropriated 9905 -€53,903 -€56,247 -€2,344 -4.3%

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 27 September 2026 via checked.be.