ADVICE 4 BUSINESS: what changed
What changed
ADVICE 4 BUSINESS
NACE 64.110, Financial service activities, except insurance and pension funding
filed annual accounts (NBB)
Net result for the year
€39,825
2024 · €152,213-€112,388
Equity
€20,000
2024 · €20,000
Cash
€68,839
2024 · €267,832-€198,993
Balance sheet total
€412,865
2024 · €602,428-€189,564
Largest movements
Assets
- Cash -€198,993
down €198,993 (-74.3%), from €267,832 to €68,839
mainly Other debts (-€195,375) and Contributions, distributions and other (-€39,825)
- Receivables within one year +€8,923
up €8,923 (+2.7%), from €330,765 to €339,688
of which Other amounts receivable: +€10,031
Equity and liabilities
- Other debts -€195,375
down €195,375 (-45.5%), from €429,096 to €233,721
Income statement
- Gross operating margin -€123,021
down €123,021 (-12.9%), from €950,204 to €827,183
- Staff costs +€23,631
up €23,631 (+3.3%), from €725,628 to €749,259
- Taxes -€20,115
down €20,115 (-44.6%), from €45,110 to €24,995
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€152,213
Gross operating margin
-€123,021
Staff costs
-€23,631
Depreciation
-€540
Other operating charges
-€1,350
Other operating items
+€16,838
Financial income
+€529
Financial charges
-€1,329
Taxes
+€20,115
Result 2025
€39,825
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
-€154,558
Investment
€0
Financing
-€44,435
Cash 2024
€267,832
From operations (derived)
-€154,558
Net result for the year
+€39,825
Depreciation
+€784
Receivables within one year
-€8,923
Deferred charges and accrued income
-€1,290
Trade debts
+€5,203
Tax, wage and social debts
+€5,218
Other debts
-€195,375
Financing
-€44,435
Short-term financial debts
-€4,610
Contributions, distributions and other
-€39,825
Cash 2025
€68,839
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €602,428 | €412,865 | -€189,564 | -31.5% |
| Fixed assets | 21/28 | €2,108 | €1,324 | -€784 | -37.2% |
| Tangible fixed assets | 22/27 | €2,108 | €1,324 | -€784 | -37.2% |
| Furniture and vehicles | 24 | €2,108 | €1,324 | -€784 | -37.2% |
| Current assets | 29/58 | €600,320 | €411,540 | -€188,780 | -31.4% |
| Amounts receivable within one year | 40/41 | €330,765 | €339,688 | +€8,923 | +2.7% |
| Trade receivables | 40 | €330,765 | €329,657 | -€1,108 | -0.3% |
| Other amounts receivable | 41 | €0 | €10,031 | +€10,031 | |
| Cash at bank and in hand | 54/58 | €267,832 | €68,839 | -€198,993 | -74.3% |
| Deferred charges and accrued income | 490/1 | €1,723 | €3,014 | +€1,290 | +74.9% |
| Total equity and liabilities | 10/49 | €602,428 | €412,865 | -€189,564 | -31.5% |
| Equity | 10/15 | €20,000 | €20,000 | = | 0.0% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | €0 | - | = | |
| Distributable reserves | 133 | €0 | - | = | |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €582,428 | €392,865 | -€189,564 | -32.5% |
| Amounts payable within one year | 42/48 | €582,356 | €392,793 | -€189,564 | -32.6% |
| Financial debts | 43 | €20,295 | €15,685 | -€4,610 | -22.7% |
| Credit institutions | 430/8 | €20,295 | €15,685 | -€4,610 | -22.7% |
| Trade debts | 44 | €53,829 | €59,032 | +€5,203 | +9.7% |
| Suppliers | 440/4 | €53,829 | €59,032 | +€5,203 | +9.7% |
| Taxes, remuneration and social security | 45 | €79,136 | €84,354 | +€5,218 | +6.6% |
| Taxes | 450/3 | €3,067 | €0 | -€3,067 | -100% |
| Remuneration and social security | 454/9 | €76,069 | €84,354 | +€8,285 | +10.9% |
| Other amounts payable | 47/48 | €429,096 | €233,721 | -€195,375 | -45.5% |
| Accrued charges and deferred income | 492/3 | €72 | €72 | = | 0.0% |
| Non-recurring operating income | 76A | €142 | €0 | -€142 | -100% |
| Remuneration, social security and pensions | 62 | €725,628 | €749,259 | +€23,631 | +3.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €244 | €784 | +€540 | +221% |
| Other operating charges | 640/8 | €2,824 | €4,174 | +€1,350 | +47.8% |
| Non-recurring operating charges | 66A | €16,838 | €0 | -€16,838 | -100% |
| Gross operating margin | 9900 | €950,204 | €827,183 | -€123,021 | -12.9% |
| Operating profit (loss) | 9901 | €204,669 | €72,966 | -€131,703 | -64.3% |
| Financial income | 75/76B | €518 | €1,048 | +€529 | +102% |
| Recurring financial income | 75 | €518 | €1,048 | +€529 | +102% |
| Financial charges | 65/66B | €7,865 | €9,194 | +€1,329 | +16.9% |
| Recurring financial charges | 65 | €7,865 | €9,194 | +€1,329 | +16.9% |
| Profit (loss) for the period before taxes | 9903 | €197,323 | €64,820 | -€132,503 | -67.2% |
| Income taxes | 67/77 | €45,110 | €24,995 | -€20,115 | -44.6% |
| Profit (loss) for the period | 9904 | €152,213 | €39,825 | -€112,388 | -73.8% |
| Profit (loss) for the period to be appropriated | 9905 | €152,213 | €39,825 | -€112,388 | -73.8% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 6 November 2026 via checked.be.