FICC: 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.
FICC
Largest movements
- Tangible fixed assets -€52,408
down €52,408 (-6.5%), from €807,533 to €755,125
of which Leasing and similar rights: -€35,226
- Cash +€18,662
up €18,662 (+296.9%), from €6,285 to €24,947
mainly Depreciation (+€55,765) and Net result for the year (+€23,454)
- Other debts -€38,082
down €38,082 (-13.3%), from €286,027 to €247,945
- Debts after one year -€27,781
down €27,781 (-8.2%), from €340,314 to €312,533
- Reserves +€23,454
up €23,454 (+12.9%), from €182,133 to €205,586
of which Distributable reserves: +€23,454
- Gross operating margin +€34,596
up €34,596 (+58.0%), from €59,686 to €94,282
- Taxes +€5,020
up €5,020 (+3553.5%), from €141 to €5,161
- Depreciation +€1,441
up €1,441 (+2.7%), from €54,324 to €55,765
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 | €848,260 | €811,784 | -€36,477 | -4.3% |
| Fixed assets | 21/28 | €807,533 | €755,125 | -€52,408 | -6.5% |
| Tangible fixed assets | 22/27 | €807,533 | €755,125 | -€52,408 | -6.5% |
| Plant, machinery and equipment | 23 | €3,927 | €2,963 | -€965 | -24.6% |
| Furniture and vehicles | 24 | €621 | €762 | +€141 | +22.8% |
| Leasing and similar rights | 25 | €444,971 | €409,744 | -€35,226 | -7.9% |
| Other tangible fixed assets | 26 | €358,014 | €341,656 | -€16,359 | -4.6% |
| Current assets | 29/58 | €40,727 | €56,659 | +€15,932 | +39.1% |
| Amounts receivable within one year | 40/41 | €30,493 | €25,066 | -€5,427 | -17.8% |
| Trade receivables | 40 | €14,548 | €24,683 | +€10,136 | +69.7% |
| Other amounts receivable | 41 | €15,945 | €382 | -€15,563 | -97.6% |
| Cash at bank and in hand | 54/58 | €6,285 | €24,947 | +€18,662 | +296.9% |
| Deferred charges and accrued income | 490/1 | €3,949 | €6,646 | +€2,697 | +68.3% |
| Total equity and liabilities | 10/49 | €848,260 | €811,784 | -€36,477 | -4.3% |
| Equity | 10/15 | €188,333 | €211,786 | +€23,454 | +12.5% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €182,133 | €205,586 | +€23,454 | +12.9% |
| Tax-exempt reserves | 132 | €452 | €452 | = | 0.0% |
| Distributable reserves | 133 | €181,680 | €205,134 | +€23,454 | +12.9% |
| Amounts payable | 17/49 | €659,928 | €599,997 | -€59,930 | -9.1% |
| Amounts payable after more than one year | 17 | €340,314 | €312,533 | -€27,781 | -8.2% |
| Financial debts | 170/4 | €340,314 | €312,533 | -€27,781 | -8.2% |
| Amounts payable within one year | 42/48 | €319,614 | €287,465 | -€32,149 | -10.1% |
| Current portion of amounts payable after more than one year | 42 | €27,164 | €27,781 | +€617 | +2.3% |
| Financial debts | 43 | €143 | €2,660 | +€2,518 | +1766.9% |
| Credit institutions | 430/8 | €143 | €2,660 | +€2,518 | +1766.9% |
| Trade debts | 44 | €3,637 | €1,273 | -€2,365 | -65.0% |
| Suppliers | 440/4 | €3,637 | €1,273 | -€2,365 | -65.0% |
| Taxes, remuneration and social security | 45 | €2,643 | €7,805 | +€5,162 | +195.3% |
| Taxes | 450/3 | €2,643 | €7,805 | +€5,162 | +195.3% |
| Other amounts payable | 47/48 | €286,027 | €247,945 | -€38,082 | -13.3% |
| Non-recurring operating income | 76A | €0 | - | = | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €54,324 | €55,765 | +€1,441 | +2.7% |
| Other operating charges | 640/8 | €3,388 | €3,733 | +€345 | +10.2% |
| Gross operating margin | 9900 | €59,686 | €94,282 | +€34,596 | +58.0% |
| Operating profit (loss) | 9901 | €1,974 | €34,784 | +€32,810 | +1661.8% |
| Financial income | 75/76B | - | €0 | +€0 | |
| Recurring financial income | 75 | - | €0 | +€0 | |
| Financial charges | 65/66B | €6,805 | €6,170 | -€635 | -9.3% |
| Recurring financial charges | 65 | €6,805 | €6,170 | -€635 | -9.3% |
| Profit (loss) for the period before taxes | 9903 | -€4,830 | €28,615 | +€33,445 | |
| Income taxes | 67/77 | €141 | €5,161 | +€5,020 | +3553.5% |
| Profit (loss) for the period | 9904 | -€4,971 | €23,454 | +€28,425 | |
| Profit (loss) for the period to be appropriated | 9905 | -€4,971 | €23,454 | +€28,425 |
Source: filed annual accounts (NBB), fiscal years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 4 October 2026 via checked.be.