FHB Belgium: 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.
FHB Belgium
Largest movements
- Financial fixed assets -€6,500
down €6,500 (-9.6%), from €67,400 to €60,900
- Profit (loss) carried forward -€3,577
down €3,577 (-10.4%), from €34,560 to €30,982
- Tax, wage and social debts -€2,817
no longer reported in 2025 (was €2,817)
- Gross operating margin -€111
down €111 (-3.3%), from -€3,403 to -€3,515
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 | €67,687 | €61,692 | -€5,995 | -8.9% |
| Fixed assets | 21/28 | €67,400 | €60,900 | -€6,500 | -9.6% |
| Financial fixed assets | 28 | €67,400 | €60,900 | -€6,500 | -9.6% |
| Current assets | 29/58 | €287 | €792 | +€505 | +176% |
| Cash at bank and in hand | 54/58 | €287 | €792 | +€505 | +176% |
| Total equity and liabilities | 10/49 | €67,687 | €61,692 | -€5,995 | -8.9% |
| Equity | 10/15 | €64,560 | €60,982 | -€3,577 | -5.5% |
| Contributions | 10/11 | €30,000 | €30,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €34,560 | €30,982 | -€3,577 | -10.4% |
| Amounts payable | 17/49 | €3,127 | €710 | -€2,418 | -77.3% |
| Amounts payable after more than one year | 17 | €310 | €310 | = | 0.0% |
| Other amounts payable | 178/9 | €310 | €310 | = | 0.0% |
| Amounts payable within one year | 42/48 | €2,817 | €400 | -€2,418 | -85.8% |
| Trade debts | 44 | - | €400 | +€400 | |
| Suppliers | 440/4 | - | €400 | +€400 | |
| Taxes, remuneration and social security | 45 | €2,817 | - | -€2,817 | |
| Taxes | 450/3 | €2,817 | - | -€2,817 | |
| Gross operating margin | 9900 | -€3,403 | -€3,515 | -€111 | -3.3% |
| Operating profit (loss) | 9901 | -€3,403 | -€3,515 | -€111 | -3.3% |
| Financial charges | 65/66B | €56 | €63 | +€7 | +11.6% |
| Recurring financial charges | 65 | €56 | €63 | +€7 | +11.6% |
| Profit (loss) for the period before taxes | 9903 | -€3,459 | -€3,577 | -€118 | -3.4% |
| Profit (loss) for the period | 9904 | -€3,459 | -€3,577 | -€118 | -3.4% |
| Profit (loss) for the period to be appropriated | 9905 | -€3,459 | -€3,577 | -€118 | -3.4% |
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 30 October 2026 via checked.be.