Confintech: 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.
Confintech
Largest movements
- Current investments +€257,928
up €257,928 (+2,611%), from €9,878 to €267,806
- Cash -€159,089
down €159,089 (-41.0%), from €388,371 to €229,282
mainly Current investments (-€257,928) and Contributions, distributions and other (-€67,500)
- Receivables within one year -€23,227
down €23,227 (-100%), from €23,227 to €0
of which Trade receivables: -€21,850
- Tangible fixed assets -€19,689
down €19,689 (-39.3%), from €50,159 to €30,469
- Reserves +€65,634
up €65,634 (+15.0%), from €436,946 to €502,580
- Current portion of long-term debt -€8,512
down €8,512 (-74.9%), from €11,371 to €2,859
- Tax, wage and social debts +€5,892
up €5,892 (+42.1%), from €13,996 to €19,888
- Gross operating margin -€28,986
down €28,986 (-12.2%), from €237,032 to €208,046
- Taxes -€9,323
down €9,323 (-13.8%), from €67,605 to €58,282
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 | €474,585 | €531,976 | +€57,391 | +12.1% |
| Fixed assets | 21/28 | €50,159 | €30,469 | -€19,689 | -39.3% |
| Tangible fixed assets | 22/27 | €50,159 | €30,469 | -€19,689 | -39.3% |
| Furniture and vehicles | 24 | €50,159 | €30,469 | -€19,689 | -39.3% |
| Current assets | 29/58 | €424,426 | €501,507 | +€77,080 | +18.2% |
| Amounts receivable within one year | 40/41 | €23,227 | €0 | -€23,227 | -100% |
| Trade receivables | 40 | €21,850 | €0 | -€21,850 | -100% |
| Other amounts receivable | 41 | €1,377 | €0 | -€1,377 | -100% |
| Current investments | 50/53 | €9,878 | €267,806 | +€257,928 | +2,611% |
| Cash at bank and in hand | 54/58 | €388,371 | €229,282 | -€159,089 | -41.0% |
| Deferred charges and accrued income | 490/1 | €2,950 | €4,419 | +€1,468 | +49.8% |
| Total equity and liabilities | 10/49 | €474,585 | €531,976 | +€57,391 | +12.1% |
| Equity | 10/15 | €441,946 | €507,580 | +€65,634 | +14.9% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €436,946 | €502,580 | +€65,634 | +15.0% |
| Distributable reserves | 133 | €436,946 | €502,580 | +€65,634 | +15.0% |
| Profit (loss) carried forward | 14 | - | €0 | = | |
| Amounts payable | 17/49 | €32,639 | €24,397 | -€8,243 | -25.3% |
| Amounts payable after more than one year | 17 | €2,859 | €0 | -€2,859 | -100% |
| Financial debts | 170/4 | €2,859 | €0 | -€2,859 | -100% |
| Amounts payable within one year | 42/48 | €29,781 | €24,397 | -€5,384 | -18.1% |
| Current portion of amounts payable after more than one year | 42 | €11,371 | €2,859 | -€8,512 | -74.9% |
| Trade debts | 44 | €4,387 | €1,449 | -€2,938 | -67.0% |
| Suppliers | 440/4 | €4,387 | €1,449 | -€2,938 | -67.0% |
| Taxes, remuneration and social security | 45 | €13,996 | €19,888 | +€5,892 | +42.1% |
| Taxes | 450/3 | €13,996 | €19,888 | +€5,892 | +42.1% |
| Other amounts payable | 47/48 | €26 | €200 | +€174 | +673% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €17,374 | €19,689 | +€2,315 | +13.3% |
| Other operating charges | 640/8 | €768 | €909 | +€141 | +18.3% |
| Gross operating margin | 9900 | €237,032 | €208,046 | -€28,986 | -12.2% |
| Operating profit (loss) | 9901 | €218,890 | €187,448 | -€31,442 | -14.4% |
| Financial income | 75/76B | €4,942 | €4,181 | -€761 | -15.4% |
| Recurring financial income | 75 | €4,942 | €4,181 | -€761 | -15.4% |
| Financial charges | 65/66B | €315 | €213 | -€102 | -32.4% |
| Recurring financial charges | 65 | €315 | €213 | -€102 | -32.4% |
| Profit (loss) for the period before taxes | 9903 | €223,517 | €191,416 | -€32,101 | -14.4% |
| Income taxes | 67/77 | €67,605 | €58,282 | -€9,323 | -13.8% |
| Profit (loss) for the period | 9904 | €155,912 | €133,134 | -€22,778 | -14.6% |
| Profit (loss) for the period to be appropriated | 9905 | €155,912 | €133,134 | -€22,778 | -14.6% |
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 17 October 2026 via checked.be.