CONFIANCIA: 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.
CONFIANCIA
Largest movements
- Receivables within one year -€18,999
down €18,999 (-39.6%), from €47,943 to €28,945
of which Trade receivables: -€18,999
- Cash +€11,494
up €11,494 (+1,073%), from €1,072 to €12,566
mainly Receivables within one year (+€18,999) and Deferred charges and accrued income (+€2,544)
- Deferred charges and accrued income -€2,544
down €2,544 (-12.6%), from €20,129 to €17,585
- Trade debts -€5,584
down €5,584 (-15.1%), from €36,991 to €31,407
- Accrued charges and deferred income -€5,118
down €5,118 (-54.4%), from €9,407 to €4,289
- Purchases and services +€7,146
up €7,146 (+5.6%), from €126,537 to €133,683
- Turnover +€4,973
up €4,973 (+3.8%), from €129,642 to €134,614
- Depreciation -€2,644
down €2,644 (-100%), from €2,644 to €0
- Gross operating margin -€2,174
down €2,174 (-70.0%), from €3,105 to €931
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 | €69,144 | €59,095 | -€10,049 | -14.5% |
| Fixed assets | 21/28 | €0 | - | = | |
| Intangible fixed assets | 21 | €0 | - | = | |
| Current assets | 29/58 | €69,144 | €59,095 | -€10,049 | -14.5% |
| Amounts receivable within one year | 40/41 | €47,943 | €28,945 | -€18,999 | -39.6% |
| Trade receivables | 40 | €47,923 | €28,924 | -€18,999 | -39.6% |
| Other amounts receivable | 41 | €21 | €21 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €1,072 | €12,566 | +€11,494 | +1,073% |
| Deferred charges and accrued income | 490/1 | €20,129 | €17,585 | -€2,544 | -12.6% |
| Total equity and liabilities | 10/49 | €69,144 | €59,095 | -€10,049 | -14.5% |
| Equity | 10/15 | €1,346 | €1,532 | +€186 | +13.8% |
| Contributions | 10/11 | €1,500 | €1,500 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€154 | €32 | +€186 | |
| Amounts payable | 17/49 | €67,799 | €57,564 | -€10,235 | -15.1% |
| Amounts payable within one year | 42/48 | €58,392 | €53,275 | -€5,116 | -8.8% |
| Trade debts | 44 | €36,991 | €31,407 | -€5,584 | -15.1% |
| Suppliers | 440/4 | €36,991 | €31,407 | -€5,584 | -15.1% |
| Taxes, remuneration and social security | 45 | - | €441 | +€441 | |
| Taxes | 450/3 | - | €441 | +€441 | |
| Other amounts payable | 47/48 | €21,401 | €21,427 | +€27 | +0.1% |
| Accrued charges and deferred income | 492/3 | €9,407 | €4,289 | -€5,118 | -54.4% |
| Turnover | 70 | €129,642 | €134,614 | +€4,973 | +3.8% |
| Non-recurring operating income | 76A | €0 | €0 | = | |
| Goods, raw materials, services and sundry goods | 60/61 | €126,537 | €133,683 | +€7,146 | +5.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,644 | €0 | -€2,644 | -100% |
| Other operating charges | 640/8 | €387 | €593 | +€206 | +53.2% |
| Gross operating margin | 9900 | €3,105 | €931 | -€2,174 | -70.0% |
| Operating profit (loss) | 9901 | €73 | €337 | +€264 | +360% |
| Financial income | 75/76B | €0 | €0 | -€0 | -100% |
| Recurring financial income | 75 | €0 | €0 | -€0 | -100% |
| Financial charges | 65/66B | €42 | €11 | -€30 | -72.6% |
| Recurring financial charges | 65 | €42 | €11 | -€30 | -72.6% |
| Profit (loss) for the period before taxes | 9903 | €32 | €326 | +€294 | +926% |
| Income taxes | 67/77 | - | €140 | +€140 | |
| Profit (loss) for the period | 9904 | €32 | €186 | +€154 | +486% |
| Profit (loss) for the period to be appropriated | 9905 | €32 | €186 | +€154 | +486% |
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 29 October 2026 via checked.be.