F-INTECH: 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.
F-INTECH
Largest movements
- Cash -€17,537
down €17,537 (-69.5%), from €25,244 to €7,708
mainly Receivables within one year (-€12,705) and Deferred charges and accrued income (-€9,590)
- Receivables within one year +€12,705
up €12,705 (+71.0%), from €17,897 to €30,602
of which Other amounts receivable: +€12,705
- Deferred charges and accrued income +€9,590
up €9,590 (+851.3%), from €1,126 to €10,717
- Tax, wage and social debts +€2,860
up €2,860 (+56.6%), from €5,056 to €7,916
- Reserves +€2,536
up €2,536 (+7.0%), from €36,079 to €38,615
- Gross operating margin -€16,364
down €16,364 (-72.9%), from €22,452 to €6,088
- Taxes -€2,138
down €2,138 (-45.0%), from €4,756 to €2,618
- Financial charges +€640
up €640 (+242.8%), from €264 to €903
- Financial income +€460
up €460 (+62.8%), from €732 to €1,192
- Other operating charges -€452
down €452 (-30.0%), from €1,506 to €1,054
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 | €44,268 | €49,420 | +€5,153 | +11.6% |
| Fixed assets | 21/28 | - | €394 | +€394 | |
| Tangible fixed assets | 22/27 | - | €394 | +€394 | |
| Furniture and vehicles | 24 | - | €394 | +€394 | |
| Current assets | 29/58 | €44,268 | €49,026 | +€4,758 | +10.7% |
| Stocks and contracts in progress | 3 | €0 | - | = | |
| Contracts in progress | 37 | €0 | - | = | |
| Amounts receivable within one year | 40/41 | €17,897 | €30,602 | +€12,705 | +71.0% |
| Trade receivables | 40 | €192 | €192 | = | 0.0% |
| Other amounts receivable | 41 | €17,705 | €30,410 | +€12,705 | +71.8% |
| Cash at bank and in hand | 54/58 | €25,244 | €7,708 | -€17,537 | -69.5% |
| Deferred charges and accrued income | 490/1 | €1,126 | €10,717 | +€9,590 | +851.3% |
| Total equity and liabilities | 10/49 | €44,268 | €49,420 | +€5,153 | +11.6% |
| Equity | 10/15 | €38,579 | €41,115 | +€2,536 | +6.6% |
| Contributions | 10/11 | €2,500 | €2,500 | = | 0.0% |
| Reserves | 13 | €36,079 | €38,615 | +€2,536 | +7.0% |
| Distributable reserves | 133 | €36,079 | €38,615 | +€2,536 | +7.0% |
| Amounts payable | 17/49 | €5,688 | €8,305 | +€2,617 | +46.0% |
| Amounts payable within one year | 42/48 | €5,688 | €8,305 | +€2,617 | +46.0% |
| Trade debts | 44 | €632 | €390 | -€243 | -38.4% |
| Suppliers | 440/4 | €632 | €390 | -€243 | -38.4% |
| Taxes, remuneration and social security | 45 | €5,056 | €7,916 | +€2,860 | +56.6% |
| Taxes | 450/3 | €5,056 | €7,916 | +€2,860 | +56.6% |
| Non-recurring operating income | 76A | - | €5,155 | +€5,155 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | - | €169 | +€169 | |
| Other operating charges | 640/8 | €1,506 | €1,054 | -€452 | -30.0% |
| Gross operating margin | 9900 | €22,452 | €6,088 | -€16,364 | -72.9% |
| Operating profit (loss) | 9901 | €20,946 | €4,865 | -€16,081 | -76.8% |
| Financial income | 75/76B | €732 | €1,192 | +€460 | +62.8% |
| Recurring financial income | 75 | €732 | €1,192 | +€460 | +62.8% |
| Financial charges | 65/66B | €264 | €903 | +€640 | +242.8% |
| Recurring financial charges | 65 | €264 | €903 | +€640 | +242.8% |
| Profit (loss) for the period before taxes | 9903 | €21,415 | €5,153 | -€16,261 | -75.9% |
| Income taxes | 67/77 | €4,756 | €2,618 | -€2,138 | -45.0% |
| Profit (loss) for the period | 9904 | €16,659 | €2,536 | -€14,123 | -84.8% |
| Profit (loss) for the period to be appropriated | 9905 | €16,659 | €2,536 | -€14,123 | -84.8% |
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 5 October 2026 via checked.be.