Bankfijs: 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.
Bankfijs
Largest movements
- Receivables within one year -€448,556
down €448,556 (-94.0%), from €477,233 to €28,677
of which Other amounts receivable: -€448,968
- Current portion of long-term debt -€483,000
no longer reported in 2025 (was €483,000)
- Reserves +€93,238
up €93,238 (+34.6%), from €269,655 to €362,893
- Debts after one year -€50,590
no longer reported in 2025 (was €50,590)
- Financial income -€10,866
down €10,866 (-7.9%), from €137,068 to €126,202
- Depreciation +€3,715
up €3,715 (+189%), from €1,962 to €5,677
- Gross operating margin -€2,007
down €2,007 (-18.5%), from -€10,834 to -€12,841
- Taxes -€1,510
down €1,510 (-13.8%), from €10,966 to €9,456
- Other operating charges +€390
up €390 (+38.3%), from €1,016 to €1,405
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 | €1,483,212 | €1,040,057 | -€443,155 | -29.9% |
| Fixed assets | 21/28 | €995,894 | €1,006,863 | +€10,969 | +1.1% |
| Tangible fixed assets | 22/27 | €195,894 | €206,863 | +€10,969 | +5.6% |
| Land and buildings | 22 | €191,449 | €200,789 | +€9,340 | +4.9% |
| Furniture and vehicles | 24 | €4,444 | €6,074 | +€1,629 | +36.7% |
| Financial fixed assets | 28 | €800,000 | €800,000 | = | 0.0% |
| Current assets | 29/58 | €487,318 | €33,194 | -€454,124 | -93.2% |
| Amounts receivable within one year | 40/41 | €477,233 | €28,677 | -€448,556 | -94.0% |
| Trade receivables | 40 | €466 | €879 | +€412 | +88.4% |
| Other amounts receivable | 41 | €476,766 | €27,798 | -€448,968 | -94.2% |
| Cash at bank and in hand | 54/58 | €7,351 | €2,882 | -€4,469 | -60.8% |
| Deferred charges and accrued income | 490/1 | €2,734 | €1,635 | -€1,099 | -40.2% |
| Total equity and liabilities | 10/49 | €1,483,212 | €1,040,057 | -€443,155 | -29.9% |
| Equity | 10/15 | €872,954 | €966,192 | +€93,238 | +10.7% |
| Contributions | 10/11 | €405,000 | €405,000 | = | 0.0% |
| Reserves | 13 | €269,655 | €362,893 | +€93,238 | +34.6% |
| Distributable reserves | 133 | €269,655 | €362,893 | +€93,238 | +34.6% |
| Profit (loss) carried forward | 14 | €198,299 | €198,299 | = | 0.0% |
| Amounts payable | 17/49 | €610,258 | €73,865 | -€536,393 | -87.9% |
| Amounts payable after more than one year | 17 | €50,590 | - | -€50,590 | |
| Financial debts | 170/4 | €50,590 | - | -€50,590 | |
| Amounts payable within one year | 42/48 | €559,668 | €73,865 | -€485,803 | -86.8% |
| Current portion of amounts payable after more than one year | 42 | €483,000 | - | -€483,000 | |
| Financial debts | 43 | €51,376 | €50,590 | -€786 | -1.5% |
| Credit institutions | 430/8 | €51,376 | €50,590 | -€786 | -1.5% |
| Trade debts | 44 | €4,559 | €10,191 | +€5,631 | +124% |
| Suppliers | 440/4 | €4,559 | €10,191 | +€5,631 | +124% |
| Taxes, remuneration and social security | 45 | €17,320 | €8,818 | -€8,502 | -49.1% |
| Taxes | 450/3 | €17,320 | €8,818 | -€8,502 | -49.1% |
| Other amounts payable | 47/48 | €3,414 | €4,267 | +€853 | +25.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,962 | €5,677 | +€3,715 | +189% |
| Other operating charges | 640/8 | €1,016 | €1,405 | +€390 | +38.3% |
| Gross operating margin | 9900 | -€10,834 | -€12,841 | -€2,007 | -18.5% |
| Operating profit (loss) | 9901 | -€13,811 | -€19,923 | -€6,112 | -44.3% |
| Financial income | 75/76B | €137,068 | €126,202 | -€10,866 | -7.9% |
| Recurring financial income | 75 | €137,068 | €126,202 | -€10,866 | -7.9% |
| Financial charges | 65/66B | €2,307 | €1,985 | -€323 | -14.0% |
| Recurring financial charges | 65 | €2,307 | €1,985 | -€323 | -14.0% |
| Profit (loss) for the period before taxes | 9903 | €120,949 | €104,294 | -€16,655 | -13.8% |
| Income taxes | 67/77 | €10,966 | €9,456 | -€1,510 | -13.8% |
| Profit (loss) for the period | 9904 | €109,983 | €94,838 | -€15,145 | -13.8% |
| Profit (loss) for the period to be appropriated | 9905 | €109,983 | €94,838 | -€15,145 | -13.8% |
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 26 October 2026 via checked.be.