SQL. Get remains on a specified date

SQL Remains

SELECT
  g.name goodname,
  v.name valname,
  con.name depname,
  sum(m.balance)
FROM
  ( SELECT
    M.CARDKEY,
    M.CONTACTKEY,
    M.BALANCE
  FROM
    INV_BALANCE M
  WHERE
    M.BALANCE  <>  0
    and M.CONTACTKEY = :depkey
UNION ALL
SELECT
    M.CARDKEY,
    M.CONTACTKEY,
    SUM ( M.CREDIT - M.DEBIT ) AS BALANCE
  FROM
    INV_MOVEMENT M
  WHERE
    M.DISABLED  =  0
       AND
    M.MOVEMENTDATE  >  :REMAINSDATE
    and M.CONTACTKEY = :depkey
GROUP BY
  1,
  2 ) M
  JOIN INV_CARD C ON C.ID  =  M.CARDKEY
  JOIN GD_GOOD G ON G.ID  =  C.GOODKEY
  JOIN GD_CONTACT CON ON M.CONTACTKEY = CON.ID
  JOIN GD_VALUE V ON V.ID = G.VALUEKEY
WHERE
  M.BALANCE  <>  0
GROUP BY
  1, 2, 3
HAVING
  SUM ( M.BALANCE )  >  0