CREAMANCO: 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.
CREAMANCO
Largest movements
- Receivables within one year +€43,619
up €43,619 (+15.4%), from €282,882 to €326,501
of which Trade receivables: +€34,272
- Cash -€38,409
down €38,409 (-98.6%), from €38,968 to €559
mainly Receivables within one year (-€43,619) and Other debts (-€15,871)
- Tangible fixed assets -€12,066
down €12,066 (-63.4%), from €19,020 to €6,955
of which Furniture and vehicles: -€9,921
- Formation expenses -€5,626
down €5,626 (-100%), from €5,626 to €0
- Other debts -€15,871
down €15,871 (-5.4%), from €292,460 to €276,588
- Reserves +€3,798
up €3,798 (+11.3%), from €33,742 to €37,540
- Gross operating margin +€13,050
up €13,050, from -€62 to €12,988
- Financial income -€9,226
down €9,226 (-50.0%), from €18,470 to €9,244
- Financial charges -€5,693
down €5,693 (-99.5%), from €5,720 to €28
- Depreciation -€5,451
down €5,451 (-23.6%), from €23,143 to €17,692
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 | €348,950 | €337,138 | -€11,812 | -3.4% |
| Formation expenses | 20 | €5,626 | €0 | -€5,626 | -100% |
| Fixed assets | 21/28 | €19,020 | €6,955 | -€12,066 | -63.4% |
| Tangible fixed assets | 22/27 | €19,020 | €6,955 | -€12,066 | -63.4% |
| Furniture and vehicles | 24 | €9,921 | €0 | -€9,921 | -100% |
| Other tangible fixed assets | 26 | €9,100 | €6,955 | -€2,145 | -23.6% |
| Current assets | 29/58 | €324,304 | €330,183 | +€5,879 | +1.8% |
| Amounts receivable within one year | 40/41 | €282,882 | €326,501 | +€43,619 | +15.4% |
| Trade receivables | 40 | €110,209 | €144,481 | +€34,272 | +31.1% |
| Other amounts receivable | 41 | €172,673 | €182,020 | +€9,347 | +5.4% |
| Cash at bank and in hand | 54/58 | €38,968 | €559 | -€38,409 | -98.6% |
| Deferred charges and accrued income | 490/1 | €2,453 | €3,122 | +€669 | +27.3% |
| Total equity and liabilities | 10/49 | €348,950 | €337,138 | -€11,812 | -3.4% |
| Equity | 10/15 | €53,742 | €57,540 | +€3,798 | +7.1% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | €33,742 | €37,540 | +€3,798 | +11.3% |
| Distributable reserves | 133 | €33,742 | €37,540 | +€3,798 | +11.3% |
| Amounts payable | 17/49 | €295,208 | €279,597 | -€15,610 | -5.3% |
| Amounts payable after more than one year | 17 | €0 | - | = | |
| Financial debts | 170/4 | €0 | - | = | |
| Amounts payable within one year | 42/48 | €295,208 | €279,597 | -€15,610 | -5.3% |
| Current portion of amounts payable after more than one year | 42 | €0 | - | = | |
| Financial debts | 43 | €7 | €8 | +€1 | +14.3% |
| Credit institutions | 430/8 | €7 | €8 | +€1 | +14.3% |
| Trade debts | 44 | €1,732 | €1,274 | -€459 | -26.5% |
| Suppliers | 440/4 | €1,732 | €1,274 | -€459 | -26.5% |
| Taxes, remuneration and social security | 45 | €1,008 | €1,728 | +€719 | +71.3% |
| Taxes | 450/3 | €1,008 | €1,728 | +€719 | +71.3% |
| Other amounts payable | 47/48 | €292,460 | €276,588 | -€15,871 | -5.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €23,143 | €17,692 | -€5,451 | -23.6% |
| Other operating charges | 640/8 | €528 | €544 | +€16 | +3.0% |
| Gross operating margin | 9900 | -€62 | €12,988 | +€13,050 | |
| Operating profit (loss) | 9901 | -€23,733 | -€5,248 | +€18,486 | +77.9% |
| Financial income | 75/76B | €18,470 | €9,244 | -€9,226 | -50.0% |
| Recurring financial income | 75 | €18,470 | €9,244 | -€9,226 | -50.0% |
| Financial charges | 65/66B | €5,720 | €28 | -€5,693 | -99.5% |
| Recurring financial charges | 65 | €5,720 | €28 | -€5,693 | -99.5% |
| Profit (loss) for the period before taxes | 9903 | -€10,984 | €3,969 | +€14,953 | |
| Income taxes | 67/77 | €185 | €171 | -€14 | -7.5% |
| Profit (loss) for the period | 9904 | -€11,168 | €3,798 | +€14,966 | |
| Profit (loss) for the period to be appropriated | 9905 | -€11,168 | €3,798 | +€14,966 |
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 1 November 2026 via checked.be.