BNL-INFORMATICS: 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.
BNL-INFORMATICS
Largest movements
- Cash -€35,091
down €35,091 (-49.2%), from €71,362 to €36,271
mainly Contributions, distributions and other (-€158,426) and Debts after one year (-€17,955)
- Receivables within one year -€20,245
down €20,245 (-34.7%), from €58,372 to €38,127
of which Other amounts receivable: -€21,290
- Tangible fixed assets -€10,883
down €10,883 (-3.7%), from €296,980 to €286,096
of which Furniture and vehicles: -€7,965
- Reserves -€87,445
down €87,445 (-32.9%), from €266,179 to €178,735
- Provisions +€33,200
new in 2025: €33,200
- Other debts +€27,329
up €27,329, from €0 to €27,329
- Contributions -€18,600
down €18,600 (-100%), from €18,600 to €0
- Debts after one year -€17,955
down €17,955 (-17.5%), from €102,358 to €84,403
- Provisions +€33,200
new in 2025: €33,200
- Gross operating margin -€11,789
down €11,789 (-7.6%), from €155,004 to €143,214
- Taxes -€8,749
down €8,749 (-22.7%), from €38,545 to €29,796
- Financial income -€4,009
down €4,009 (-100.0%), from €4,010 to €1
- Other operating charges +€2,388
up €2,388 (+22.0%), from €10,830 to €13,218
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 | €429,742 | €363,647 | -€66,095 | -15.4% |
| Fixed assets | 21/28 | €298,530 | €287,646 | -€10,883 | -3.6% |
| Tangible fixed assets | 22/27 | €296,980 | €286,096 | -€10,883 | -3.7% |
| Land and buildings | 22 | €253,965 | €253,351 | -€614 | -0.2% |
| Plant, machinery and equipment | 23 | €6,032 | €3,727 | -€2,305 | -38.2% |
| Furniture and vehicles | 24 | €36,983 | €29,018 | -€7,965 | -21.5% |
| Financial fixed assets | 28 | €1,550 | €1,550 | = | 0.0% |
| Current assets | 29/58 | €131,213 | €76,001 | -€55,212 | -42.1% |
| Amounts receivable within one year | 40/41 | €58,372 | €38,127 | -€20,245 | -34.7% |
| Trade receivables | 40 | €26,639 | €27,685 | +€1,045 | +3.9% |
| Other amounts receivable | 41 | €31,732 | €10,442 | -€21,290 | -67.1% |
| Current investments | 50/53 | €0 | - | = | |
| Cash at bank and in hand | 54/58 | €71,362 | €36,271 | -€35,091 | -49.2% |
| Deferred charges and accrued income | 490/1 | €1,480 | €1,603 | +€124 | +8.4% |
| Total equity and liabilities | 10/49 | €429,742 | €363,647 | -€66,095 | -15.4% |
| Equity | 10/15 | €284,779 | €178,735 | -€106,045 | -37.2% |
| Contributions | 10/11 | €18,600 | €0 | -€18,600 | -100% |
| Reserves | 13 | €266,179 | €178,735 | -€87,445 | -32.9% |
| Distributable reserves | 133 | €266,179 | €178,735 | -€87,445 | -32.9% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Provisions and deferred taxes | 16 | - | €33,200 | +€33,200 | |
| Provisions for liabilities and charges | 160/5 | - | €33,200 | +€33,200 | |
| Other liabilities and charges | 164/5 | - | €33,200 | +€33,200 | |
| Amounts payable | 17/49 | €144,963 | €151,713 | +€6,749 | +4.7% |
| Amounts payable after more than one year | 17 | €102,358 | €84,403 | -€17,955 | -17.5% |
| Financial debts | 170/4 | €102,358 | €84,403 | -€17,955 | -17.5% |
| Amounts payable within one year | 42/48 | €41,918 | €67,309 | +€25,392 | +60.6% |
| Current portion of amounts payable after more than one year | 42 | €17,857 | €17,955 | +€98 | +0.5% |
| Trade debts | 44 | €3,510 | €3,626 | +€116 | +3.3% |
| Suppliers | 440/4 | €3,510 | €3,626 | +€116 | +3.3% |
| Taxes, remuneration and social security | 45 | €20,551 | €18,399 | -€2,152 | -10.5% |
| Taxes | 450/3 | €19,651 | €16,525 | -€3,126 | -15.9% |
| Remuneration and social security | 454/9 | €900 | €1,874 | +€974 | +108% |
| Other amounts payable | 47/48 | €0 | €27,329 | +€27,329 | |
| Accrued charges and deferred income | 492/3 | €688 | €0 | -€688 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €11,477 | €11,265 | -€212 | -1.8% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | - | €33,200 | +€33,200 | |
| Other operating charges | 640/8 | €10,830 | €13,218 | +€2,388 | +22.0% |
| Gross operating margin | 9900 | €155,004 | €143,214 | -€11,789 | -7.6% |
| Operating profit (loss) | 9901 | €132,697 | €85,531 | -€47,166 | -35.5% |
| Financial income | 75/76B | €4,010 | €1 | -€4,009 | -100.0% |
| Recurring financial income | 75 | €4,010 | €1 | -€4,009 | -100.0% |
| Financial charges | 65/66B | €4,024 | €3,355 | -€669 | -16.6% |
| Recurring financial charges | 65 | €4,024 | €3,355 | -€669 | -16.6% |
| Profit (loss) for the period before taxes | 9903 | €132,683 | €82,177 | -€50,505 | -38.1% |
| Income taxes | 67/77 | €38,545 | €29,796 | -€8,749 | -22.7% |
| Profit (loss) for the period | 9904 | €94,138 | €52,382 | -€41,756 | -44.4% |
| Profit (loss) for the period to be appropriated | 9905 | €94,138 | €52,382 | -€41,756 | -44.4% |
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 20 October 2026 via checked.be.