ADIB: 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.
ADIB
Largest movements
- Current investments +€50,000
new in 2025: €50,000
- Cash -€27,127
down €27,127 (-58.7%), from €46,176 to €19,049
mainly Current investments (-€50,000) and Receivables within one year (-€1,892)
- Receivables within one year +€1,892
up €1,892 (+20.0%), from €9,448 to €11,340
of which Trade receivables: +€1,687
- Deferred charges and accrued income +€847
up €847 (+106.7%), from €794 to €1,641
- Reserves +€16,702
up €16,702 (+98.7%), from €16,925 to €33,627
- Other debts +€6,195
up €6,195 (+24.6%), from €25,154 to €31,348
- Tax, wage and social debts +€1,489
up €1,489 (+56.1%), from €2,654 to €4,143
of which Taxes: +€1,489
- Gross operating margin +€4,636
up €4,636 (+19.9%), from €23,245 to €27,880
- Taxes +€1,321
up €1,321 (+22.6%), from €5,835 to €7,155
- Depreciation -€725
down €725 (-61.1%), from €1,187 to €462
- Other operating charges -€627
down €627 (-39.3%), from €1,595 to €968
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.
Cash bridge derived
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 | €57,179 | €82,329 | +€25,151 | +44.0% |
| Fixed assets | 21/28 | €760 | €299 | -€462 | -60.7% |
| Tangible fixed assets | 22/27 | €760 | €299 | -€462 | -60.7% |
| Plant, machinery and equipment | 23 | €0 | - | = | |
| Furniture and vehicles | 24 | €435 | €124 | -€311 | -71.5% |
| Other tangible fixed assets | 26 | €325 | €175 | -€150 | -46.2% |
| Current assets | 29/58 | €56,418 | €82,030 | +€25,612 | +45.4% |
| Amounts receivable within one year | 40/41 | €9,448 | €11,340 | +€1,892 | +20.0% |
| Trade receivables | 40 | €9,448 | €11,135 | +€1,687 | +17.9% |
| Other amounts receivable | 41 | €0 | €205 | +€205 | |
| Current investments | 50/53 | - | €50,000 | +€50,000 | |
| Cash at bank and in hand | 54/58 | €46,176 | €19,049 | -€27,127 | -58.7% |
| Deferred charges and accrued income | 490/1 | €794 | €1,641 | +€847 | +106.7% |
| Total equity and liabilities | 10/49 | €57,179 | €82,329 | +€25,151 | +44.0% |
| Equity | 10/15 | €29,325 | €46,027 | +€16,702 | +57.0% |
| Contributions | 10/11 | €12,400 | €12,400 | = | 0.0% |
| Outside capital | 11 | €12,400 | - | -€12,400 | |
| Other | 1109/19 | €12,400 | - | -€12,400 | |
| Reserves | 13 | €16,925 | €33,627 | +€16,702 | +98.7% |
| Distributable reserves | 133 | €16,925 | €33,627 | +€16,702 | +98.7% |
| Profit (loss) carried forward | 14 | €0 | - | = | |
| Amounts payable | 17/49 | €27,854 | €36,302 | +€8,448 | +30.3% |
| Amounts payable within one year | 42/48 | €27,854 | €35,493 | +€7,639 | +27.4% |
| Trade debts | 44 | €46 | €2 | -€44 | -96.3% |
| Suppliers | 440/4 | €46 | €2 | -€44 | -96.3% |
| Taxes, remuneration and social security | 45 | €2,654 | €4,143 | +€1,489 | +56.1% |
| Taxes | 450/3 | €2,654 | €4,143 | +€1,489 | +56.1% |
| Remuneration and social security | 454/9 | €0 | - | = | |
| Other amounts payable | 47/48 | €25,154 | €31,348 | +€6,195 | +24.6% |
| Accrued charges and deferred income | 492/3 | €0 | €809 | +€809 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,187 | €462 | -€725 | -61.1% |
| Other operating charges | 640/8 | €1,595 | €968 | -€627 | -39.3% |
| Non-recurring operating charges | 66A | €0 | €855 | +€855 | |
| Gross operating margin | 9900 | €23,245 | €27,880 | +€4,636 | +19.9% |
| Operating profit (loss) | 9901 | €20,463 | €25,596 | +€5,133 | +25.1% |
| Financial income | 75/76B | €0 | - | -€0 | |
| Recurring financial income | 75 | €0 | - | -€0 | |
| Financial charges | 65/66B | €144 | €72 | -€71 | -49.7% |
| Recurring financial charges | 65 | €144 | €72 | -€71 | -49.7% |
| Profit (loss) for the period before taxes | 9903 | €20,319 | €25,523 | +€5,204 | +25.6% |
| Income taxes | 67/77 | €5,835 | €7,155 | +€1,321 | +22.6% |
| Profit (loss) for the period | 9904 | €14,485 | €18,368 | +€3,883 | +26.8% |
| Profit (loss) for the period to be appropriated | 9905 | €14,485 | €18,368 | +€3,883 | +26.8% |
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 5 October 2026 via checked.be.