ABG Bankagenten: 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.
ABG Bankagenten
Largest movements
- Tangible fixed assets -€38,531
down €38,531 (-54.9%), from €70,171 to €31,640
of which Leasing and similar rights: -€36,078
- Deferred charges and accrued income -€21,776
down €21,776 (-74.1%), from €29,393 to €7,617
- Intangible fixed assets -€17,305
down €17,305 (-68.1%), from €25,407 to €8,102
- Cash -€5,696
down €5,696 (-8.5%), from €67,196 to €61,500
mainly Debts after one year (-€30,772) and Other debts (-€22,646)
- Receivables within one year +€5,597
up €5,597 (+40.4%), from €13,855 to €19,452
of which Other amounts receivable: +€5,540
- Debts after one year -€30,772
down €30,772 (-80.4%), from €38,256 to €7,484
- Other debts -€22,646
down €22,646 (-27.7%), from €81,667 to €59,021
- Current portion of long-term debt -€17,931
down €17,931 (-74.2%), from €24,153 to €6,222
- Short-term financial debts -€3,648
down €3,648 (-94.9%), from €3,842 to €194
- Trade debts -€2,957
down €2,957 (-44.1%), from €6,707 to €3,750
- Gross operating margin -€24,657
down €24,657 (-16.6%), from €148,939 to €124,281
- Depreciation -€24,412
down €24,412 (-47.2%), from €51,691 to €27,279
- Other operating charges +€14,504
up €14,504 (+1,720%), from €843 to €15,347
- Taxes -€5,051
down €5,051 (-30.5%), from €16,572 to €11,521
- Staff costs +€1,864
up €1,864 (+3.3%), from €56,126 to €57,991
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 | €206,023 | €128,312 | -€77,711 | -37.7% |
| Fixed assets | 21/28 | €95,578 | €39,742 | -€55,836 | -58.4% |
| Intangible fixed assets | 21 | €25,407 | €8,102 | -€17,305 | -68.1% |
| Tangible fixed assets | 22/27 | €70,171 | €31,640 | -€38,531 | -54.9% |
| Land and buildings | 22 | €19,447 | €16,938 | -€2,509 | -12.9% |
| Plant, machinery and equipment | 23 | €2,482 | €7,365 | +€4,883 | +197% |
| Furniture and vehicles | 24 | €12,164 | €7,338 | -€4,826 | -39.7% |
| Leasing and similar rights | 25 | €36,078 | €0 | -€36,078 | -100% |
| Current assets | 29/58 | €110,445 | €88,570 | -€21,875 | -19.8% |
| Amounts receivable within one year | 40/41 | €13,855 | €19,452 | +€5,597 | +40.4% |
| Trade receivables | 40 | - | €57 | +€57 | |
| Other amounts receivable | 41 | €13,855 | €19,395 | +€5,540 | +40.0% |
| Cash at bank and in hand | 54/58 | €67,196 | €61,500 | -€5,696 | -8.5% |
| Deferred charges and accrued income | 490/1 | €29,393 | €7,617 | -€21,776 | -74.1% |
| Total equity and liabilities | 10/49 | €206,023 | €128,312 | -€77,711 | -37.7% |
| Equity | 10/15 | €25,939 | €25,939 | = | 0.0% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | €5,939 | €5,939 | = | 0.0% |
| Distributable reserves | 133 | €5,939 | €5,939 | = | 0.0% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €180,084 | €102,373 | -€77,711 | -43.2% |
| Amounts payable after more than one year | 17 | €38,256 | €7,484 | -€30,772 | -80.4% |
| Financial debts | 170/4 | €38,256 | €7,484 | -€30,772 | -80.4% |
| Amounts payable within one year | 42/48 | €141,746 | €94,889 | -€46,858 | -33.1% |
| Current portion of amounts payable after more than one year | 42 | €24,153 | €6,222 | -€17,931 | -74.2% |
| Financial debts | 43 | €3,842 | €194 | -€3,648 | -94.9% |
| Credit institutions | 430/8 | €3,842 | €194 | -€3,648 | -94.9% |
| Trade debts | 44 | €6,707 | €3,750 | -€2,957 | -44.1% |
| Suppliers | 440/4 | €6,707 | €3,750 | -€2,957 | -44.1% |
| Taxes, remuneration and social security | 45 | €25,377 | €25,701 | +€325 | +1.3% |
| Taxes | 450/3 | €16,572 | €16,572 | = | 0.0% |
| Remuneration and social security | 454/9 | €8,804 | €9,129 | +€325 | +3.7% |
| Other amounts payable | 47/48 | €81,667 | €59,021 | -€22,646 | -27.7% |
| Accrued charges and deferred income | 492/3 | €81 | €0 | -€81 | -100% |
| Non-recurring operating income | 76A | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €56,126 | €57,991 | +€1,864 | +3.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €51,691 | €27,279 | -€24,412 | -47.2% |
| Other operating charges | 640/8 | €843 | €15,347 | +€14,504 | +1,720% |
| Gross operating margin | 9900 | €148,939 | €124,281 | -€24,657 | -16.6% |
| Operating profit (loss) | 9901 | €40,278 | €23,665 | -€16,614 | -41.2% |
| Financial income | 75/76B | €0 | €562 | +€562 | |
| Recurring financial income | 75 | €0 | €562 | +€562 | |
| Financial charges | 65/66B | €3,195 | €1,925 | -€1,270 | -39.8% |
| Recurring financial charges | 65 | €3,195 | €1,925 | -€1,270 | -39.8% |
| Profit (loss) for the period before taxes | 9903 | €37,083 | €22,301 | -€14,782 | -39.9% |
| Income taxes | 67/77 | €16,572 | €11,521 | -€5,051 | -30.5% |
| Profit (loss) for the period | 9904 | €20,511 | €10,780 | -€9,731 | -47.4% |
| Profit (loss) for the period to be appropriated | 9905 | €20,511 | €10,780 | -€9,731 | -47.4% |
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 30 October 2026 via checked.be.