A&F Solutions: 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.
A&F Solutions
Largest movements
- Cash -€834
down €834 (-16.0%), from €5,226 to €4,392
mainly Other debts (-€5,398)
- Receivables within one year -€508
down €508 (-48.6%), from €1,045 to €537
- Other debts -€5,398
no longer reported in 2025 (was €5,398)
- Trade debts +€1,887
up €1,887 (+67.5%), from €2,795 to €4,682
- Profit (loss) carried forward +€1,683
up €1,683 (+10.4%), from -€16,147 to -€14,464
- Tax, wage and social debts +€486
up €486 (+11.5%), from €4,224 to €4,711
- Gross operating margin +€26,205
up €26,205, from -€4,995 to €21,210
- Staff costs +€7,121
up €7,121 (+64.9%), from €10,972 to €18,094
- Other operating charges +€1,356
new in 2025: €1,356
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 | €6,271 | €4,929 | -€1,342 | -21.4% |
| Current assets | 29/58 | €6,271 | €4,929 | -€1,342 | -21.4% |
| Amounts receivable within one year | 40/41 | €1,045 | €537 | -€508 | -48.6% |
| Other amounts receivable | 41 | €1,045 | €537 | -€508 | -48.6% |
| Cash at bank and in hand | 54/58 | €5,226 | €4,392 | -€834 | -16.0% |
| Total equity and liabilities | 10/49 | €6,271 | €4,929 | -€1,342 | -21.4% |
| Equity | 10/15 | -€6,147 | -€4,464 | +€1,683 | +27.4% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Contributions outside capital | 11 | €10,000 | €10,000 | = | 0.0% |
| Other | 1109/19 | €10,000 | €10,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€16,147 | -€14,464 | +€1,683 | +10.4% |
| Amounts payable | 17/49 | €12,418 | €9,393 | -€3,025 | -24.4% |
| Amounts payable within one year | 42/48 | €12,418 | €9,393 | -€3,025 | -24.4% |
| Trade debts | 44 | €2,795 | €4,682 | +€1,887 | +67.5% |
| Suppliers | 440/4 | €2,795 | €4,682 | +€1,887 | +67.5% |
| Taxes, remuneration and social security | 45 | €4,224 | €4,711 | +€486 | +11.5% |
| Remuneration and social security | 454/9 | €4,224 | €4,711 | +€486 | +11.5% |
| Other amounts payable | 47/48 | €5,398 | - | -€5,398 | |
| Remuneration, social security and pensions | 62 | €10,972 | €18,094 | +€7,121 | +64.9% |
| Other operating charges | 640/8 | - | €1,356 | +€1,356 | |
| Gross operating margin | 9900 | -€4,995 | €21,210 | +€26,205 | |
| Operating profit (loss) | 9901 | -€15,967 | €1,760 | +€17,727 | |
| Financial income | 75/76B | €0 | - | -€0 | |
| Recurring financial income | 75 | €0 | - | -€0 | |
| Financial charges | 65/66B | €180 | €77 | -€103 | -57.3% |
| Recurring financial charges | 65 | €180 | €77 | -€103 | -57.3% |
| Profit (loss) for the period before taxes | 9903 | -€16,147 | €1,683 | +€17,830 | |
| Profit (loss) for the period | 9904 | -€16,147 | €1,683 | +€17,830 | |
| Profit (loss) for the period to be appropriated | 9905 | -€16,147 | €1,683 | +€17,830 |
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 19 October 2026 via checked.be.