BBPM Finances: 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.
What changed
BBPM Finances
NACE 66.191, Agents and brokers in banking services
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€547,326
2024 · €281,949+€265,377
Equity
€6,000
2024 · €6,000
Cash
€20,297
2024 · -+€20,297
Balance sheet total
€2.3m
2024 · €2.4m-€35,396
Largest movements
Assets
- Intangible fixed assets -€221,669
down €221,669 (-11.8%), from €1.9m to €1.7m
- Receivables within one year +€170,331
up €170,331 (+38.9%), from €437,387 to €607,718
of which Trade receivables: +€156,016
Equity and liabilities
- Debts after one year -€253,791
down €253,791 (-19.1%), from €1.3m to €1.1m
- Other debts +€171,377
up €171,377 (+45.5%), from €376,377 to €547,754
- Trade debts +€86,384
up €86,384 (+33.6%), from €256,930 to €343,314
- Short-term financial debts -€62,665
no longer reported in 2025 (was €62,665)
Income statement
- Gross operating margin +€245,460
up €245,460 (+19.1%), from €1.3m to €1.5m
- Staff costs -€29,856
down €29,856 (-4.4%), from €677,161 to €647,304
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.
Result 2024
€281,949
Gross operating margin
+€245,460
Staff costs
+€29,856
Depreciation
-€73
Other operating charges
-€14,686
Financial income
+€230
Financial charges
+€14,108
Taxes
-€9,519
Result 2025
€547,326
raises the resultlowers the result
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.
From operations
+€875,144
Investment
-€449
Financing
-€854,398
Cash 2024
€0
From operations (derived)
+€875,144
Net result for the year
+€547,326
Depreciation
+€230,078
Receivables within one year
-€170,331
Deferred charges and accrued income
-€3,605
Trade debts
+€86,384
Tax, wage and social debts
+€11,718
Other debts
+€171,377
Accrued charges and deferred income
+€2,197
Investment (derived)
-€449
Investment in fixed assets (net)
-€449
Financing
-€854,398
Debts after one year
-€253,791
Current portion of long-term debt
+€9,384
Short-term financial debts
-€62,665
Contributions, distributions and other
-€547,326
Cash 2025
€20,297
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €2,362,113 | €2,326,717 | -€35,396 | -1.5% |
| Fixed assets | 21/28 | €1,914,600 | €1,684,970 | -€229,629 | -12.0% |
| Intangible fixed assets | 21 | €1,885,095 | €1,663,426 | -€221,669 | -11.8% |
| Tangible fixed assets | 22/27 | €29,149 | €21,189 | -€7,961 | -27.3% |
| Furniture and vehicles | 24 | €29,149 | €21,189 | -€7,961 | -27.3% |
| Financial fixed assets | 28 | €356 | €356 | = | 0.0% |
| Current assets | 29/58 | €447,513 | €641,746 | +€194,233 | +43.4% |
| Amounts receivable within one year | 40/41 | €437,387 | €607,718 | +€170,331 | +38.9% |
| Trade receivables | 40 | €437,387 | €593,402 | +€156,016 | +35.7% |
| Other amounts receivable | 41 | - | €14,315 | +€14,315 | |
| Cash at bank and in hand | 54/58 | - | €20,297 | +€20,297 | |
| Deferred charges and accrued income | 490/1 | €10,126 | €13,731 | +€3,605 | +35.6% |
| Total equity and liabilities | 10/49 | €2,362,113 | €2,326,717 | -€35,396 | -1.5% |
| Equity | 10/15 | €6,000 | €6,000 | = | 0.0% |
| Contributions | 10/11 | €6,000 | €6,000 | = | 0.0% |
| Amounts payable | 17/49 | €2,356,113 | €2,320,717 | -€35,396 | -1.5% |
| Amounts payable after more than one year | 17 | €1,330,159 | €1,076,369 | -€253,791 | -19.1% |
| Financial debts | 170/4 | €1,330,159 | €1,076,369 | -€253,791 | -19.1% |
| Amounts payable within one year | 42/48 | €1,025,953 | €1,242,151 | +€216,198 | +21.1% |
| Current portion of amounts payable after more than one year | 42 | €246,455 | €255,838 | +€9,384 | +3.8% |
| Financial debts | 43 | €62,665 | - | -€62,665 | |
| Credit institutions | 430/8 | €62,665 | - | -€62,665 | |
| Trade debts | 44 | €256,930 | €343,314 | +€86,384 | +33.6% |
| Suppliers | 440/4 | €256,930 | €343,314 | +€86,384 | +33.6% |
| Taxes, remuneration and social security | 45 | €83,527 | €95,244 | +€11,718 | +14.0% |
| Taxes | 450/3 | €15,132 | €19,993 | +€4,861 | +32.1% |
| Remuneration and social security | 454/9 | €68,395 | €75,251 | +€6,856 | +10.0% |
| Other amounts payable | 47/48 | €376,377 | €547,754 | +€171,377 | +45.5% |
| Accrued charges and deferred income | 492/3 | - | €2,197 | +€2,197 | |
| Remuneration, social security and pensions | 62 | €677,161 | €647,304 | -€29,856 | -4.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €230,005 | €230,078 | +€73 | 0.0% |
| Other operating charges | 640/8 | €9,570 | €24,255 | +€14,686 | +153% |
| Gross operating margin | 9900 | €1,285,732 | €1,531,191 | +€245,460 | +19.1% |
| Operating profit (loss) | 9901 | €368,996 | €629,553 | +€260,557 | +70.6% |
| Financial income | 75/76B | €1 | €231 | +€230 | +26,437% |
| Recurring financial income | 75 | €1 | €231 | +€230 | +26,437% |
| Financial charges | 65/66B | €75,378 | €61,269 | -€14,108 | -18.7% |
| Recurring financial charges | 65 | €75,378 | €61,269 | -€14,108 | -18.7% |
| Profit (loss) for the period before taxes | 9903 | €293,619 | €568,515 | +€274,896 | +93.6% |
| Income taxes | 67/77 | €11,670 | €21,188 | +€9,519 | +81.6% |
| Profit (loss) for the period | 9904 | €281,949 | €547,326 | +€265,377 | +94.1% |
| Profit (loss) for the period to be appropriated | 9905 | €281,949 | €547,326 | +€265,377 | +94.1% |
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 27 October 2026 via checked.be.