BMO Finances: 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.
BMO Finances
Largest movements
- Cash -€21,305
down €21,305 (-54.4%), from €39,165 to €17,860
mainly Net result for the year (-€28,023) and Tax, wage and social debts (-€8,266)
- Receivables within one year -€15,670
down €15,670 (-98.4%), from €15,927 to €257
of which Trade receivables: -€15,927
- Deferred charges and accrued income -€3,242
down €3,242 (-81.5%), from €3,976 to €734
- Profit (loss) carried forward -€28,023
down €28,023, from €2,969 to -€25,054
- Tax, wage and social debts -€8,266
down €8,266 (-66.6%), from €12,410 to €4,144
of which Remuneration and social security: -€12,410
- Trade debts -€4,108
down €4,108 (-95.2%), from €4,313 to €205
- Turnover -€142,690
down €142,690 (-84.1%), from €169,763 to €27,073
- Gross operating margin -€80,047
down €80,047, from €52,572 to -€27,475
- Purchases and services -€62,642
down €62,642 (-53.5%), from €117,190 to €54,548
- Taxes -€14,144
no longer reported in 2025 (was €14,144)
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 | €60,143 | €19,762 | -€40,381 | -67.1% |
| Fixed assets | 21/28 | €1,075 | €911 | -€164 | -15.3% |
| Tangible fixed assets | 22/27 | €1,075 | €911 | -€164 | -15.3% |
| Furniture and vehicles | 24 | €1,075 | €911 | -€164 | -15.3% |
| Current assets | 29/58 | €59,067 | €18,851 | -€40,216 | -68.1% |
| Amounts receivable within one year | 40/41 | €15,927 | €257 | -€15,670 | -98.4% |
| Trade receivables | 40 | €15,927 | - | -€15,927 | |
| Other amounts receivable | 41 | - | €257 | +€257 | |
| Cash at bank and in hand | 54/58 | €39,165 | €17,860 | -€21,305 | -54.4% |
| Deferred charges and accrued income | 490/1 | €3,976 | €734 | -€3,242 | -81.5% |
| Total equity and liabilities | 10/49 | €60,143 | €19,762 | -€40,381 | -67.1% |
| Equity | 10/15 | €42,969 | €14,946 | -€28,023 | -65.2% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €35,000 | €35,000 | = | 0.0% |
| Distributable reserves | 133 | €35,000 | €35,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €2,969 | -€25,054 | -€28,023 | |
| Amounts payable | 17/49 | €17,174 | €4,816 | -€12,358 | -72.0% |
| Amounts payable within one year | 42/48 | €16,722 | €4,349 | -€12,373 | -74.0% |
| Trade debts | 44 | €4,313 | €205 | -€4,108 | -95.2% |
| Suppliers | 440/4 | €4,313 | €205 | -€4,108 | -95.2% |
| Taxes, remuneration and social security | 45 | €12,410 | €4,144 | -€8,266 | -66.6% |
| Taxes | 450/3 | - | €4,144 | +€4,144 | |
| Remuneration and social security | 454/9 | €12,410 | - | -€12,410 | |
| Accrued charges and deferred income | 492/3 | €452 | €467 | +€15 | +3.4% |
| Turnover | 70 | €169,763 | €27,073 | -€142,690 | -84.1% |
| Goods, raw materials, services and sundry goods | 60/61 | €117,190 | €54,548 | -€62,642 | -53.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €459 | €501 | +€42 | +9.2% |
| Gross operating margin | 9900 | €52,572 | -€27,475 | -€80,047 | |
| Operating profit (loss) | 9901 | €52,113 | -€27,976 | -€80,089 | |
| Financial income | 75/76B | €0 | - | -€0 | |
| Recurring financial income | 75 | €0 | - | -€0 | |
| Financial charges | 65/66B | - | €47 | +€47 | |
| Recurring financial charges | 65 | - | €47 | +€47 | |
| Profit (loss) for the period before taxes | 9903 | €52,113 | -€28,023 | -€80,136 | |
| Income taxes | 67/77 | €14,144 | - | -€14,144 | |
| Profit (loss) for the period | 9904 | €37,969 | -€28,023 | -€65,992 | |
| Profit (loss) for the period to be appropriated | 9905 | €37,969 | -€28,023 | -€65,992 |
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 4 October 2026 via checked.be.