FIDINS: 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.
What changed
FIDINS
NACE 66.191, Agents and brokers in banking services
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
-€2,553
2024 · €47,399-€49,951
Equity
€226,681
2024 · €229,234-€2,553
Cash
€19,721
2024 · €93,640-€73,919
Balance sheet total
€2.1m
2024 · €1.6m+€586,302
Largest movements
Assets
- Intangible fixed assets +€548,715
up €548,715 (+42.9%), from €1.3m to €1.8m
- Tangible fixed assets +€120,295
up €120,295 (+1,001%), from €12,020 to €132,315
of which Other tangible fixed assets: +€111,012
- Cash -€73,919
down €73,919 (-78.9%), from €93,640 to €19,721
mainly Investment in fixed assets (net) (-€875,182) and Other debts (-€14,220)
Equity and liabilities
- Debts after one year +€332,672
up €332,672 (+33.0%), from €1.0m to €1.3m
- Trade debts +€215,074
up €215,074 (+1,825%), from €11,784 to €226,859
- Current portion of long-term debt +€54,121
up €54,121 (+28.6%), from €189,054 to €243,175
Income statement
- Gross operating margin +€183,944
up €183,944 (+30.9%), from €595,757 to €779,700
- Staff costs +€111,814
up €111,814 (+37.4%), from €299,270 to €411,084
- Taxes -€25,611
down €25,611 (-88.7%), from €28,886 to €3,276
- Depreciation +€12,863
up €12,863 (+6.7%), from €193,308 to €206,172
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.
Result 2024
€47,399
Gross operating margin
+€183,944
Staff costs
-€111,814
Depreciation
-€12,863
Other operating charges
-€1,432
Other operating items
-€130,248
Financial income
+€566
Financial charges
-€3,715
Taxes
+€25,611
Result 2025
-€2,553
raises the resultlowers the resultnot broken down further in the accounts
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.
From operations
+€425,484
Investment
-€875,182
Financing
+€375,779
Cash 2024
€93,640
From operations (derived)
+€425,484
Net result for the year
-€2,553
Depreciation
+€206,172
Receivables within one year
+€12,386
Deferred charges and accrued income
-€3,596
Trade debts
+€215,074
Tax, wage and social debts
+€10,765
Other debts
-€14,220
Accrued charges and deferred income
+€1,456
Investment (derived)
-€875,182
Investment in fixed assets (net)
-€875,182
Financing
+€375,779
Debts after one year
+€332,672
Current portion of long-term debt
+€54,121
Short-term financial debts
-€11,014
Cash 2025
€19,721
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,559,223 | €2,145,525 | +€586,302 | +37.6% |
| Fixed assets | 21/28 | €1,290,279 | €1,959,289 | +€669,010 | +51.9% |
| Intangible fixed assets | 21 | €1,278,199 | €1,826,914 | +€548,715 | +42.9% |
| Tangible fixed assets | 22/27 | €12,020 | €132,315 | +€120,295 | +1,001% |
| Plant, machinery and equipment | 23 | €1,150 | €6,151 | +€5,001 | +435% |
| Furniture and vehicles | 24 | €6,555 | €10,837 | +€4,282 | +65.3% |
| Other tangible fixed assets | 26 | €4,316 | €115,328 | +€111,012 | +2,572% |
| Financial fixed assets | 28 | €60 | €60 | = | 0.0% |
| Current assets | 29/58 | €268,944 | €186,236 | -€82,709 | -30.8% |
| Amounts receivable within one year | 40/41 | €23,905 | €11,519 | -€12,386 | -51.8% |
| Trade receivables | 40 | €3,335 | €0 | -€3,335 | -100% |
| Other amounts receivable | 41 | €20,570 | €11,519 | -€9,051 | -44.0% |
| Cash at bank and in hand | 54/58 | €93,640 | €19,721 | -€73,919 | -78.9% |
| Deferred charges and accrued income | 490/1 | €151,399 | €154,995 | +€3,596 | +2.4% |
| Total equity and liabilities | 10/49 | €1,559,223 | €2,145,525 | +€586,302 | +37.6% |
| Equity | 10/15 | €229,234 | €226,681 | -€2,553 | -1.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Revaluation surpluses | 12 | €123,947 | €123,947 | = | 0.0% |
| Reserves | 13 | €86,688 | €84,135 | -€2,553 | -2.9% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €84,828 | €82,275 | -€2,553 | -3.0% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €1,329,989 | €1,918,844 | +€588,854 | +44.3% |
| Amounts payable after more than one year | 17 | €1,009,407 | €1,342,079 | +€332,672 | +33.0% |
| Financial debts | 170/4 | €1,009,407 | €1,342,079 | +€332,672 | +33.0% |
| Amounts payable within one year | 42/48 | €318,535 | €573,262 | +€254,727 | +80.0% |
| Current portion of amounts payable after more than one year | 42 | €189,054 | €243,175 | +€54,121 | +28.6% |
| Financial debts | 43 | €35,757 | €24,744 | -€11,014 | -30.8% |
| Credit institutions | 430/8 | €35,757 | €24,744 | -€11,014 | -30.8% |
| Trade debts | 44 | €11,784 | €226,859 | +€215,074 | +1,825% |
| Suppliers | 440/4 | €11,784 | €226,859 | +€215,074 | +1,825% |
| Taxes, remuneration and social security | 45 | €34,541 | €45,306 | +€10,765 | +31.2% |
| Taxes | 450/3 | €0 | €2,998 | +€2,998 | |
| Remuneration and social security | 454/9 | €34,541 | €42,307 | +€7,767 | +22.5% |
| Other amounts payable | 47/48 | €47,399 | €33,179 | -€14,220 | -30.0% |
| Accrued charges and deferred income | 492/3 | €2,047 | €3,503 | +€1,456 | +71.1% |
| Non-recurring operating income | 76A | - | €225,000 | +€225,000 | |
| Remuneration, social security and pensions | 62 | €299,270 | €411,084 | +€111,814 | +37.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €193,308 | €206,172 | +€12,863 | +6.7% |
| Other operating charges | 640/8 | €2,364 | €3,796 | +€1,432 | +60.6% |
| Non-recurring operating charges | 66A | - | €130,248 | +€130,248 | |
| Gross operating margin | 9900 | €595,757 | €779,700 | +€183,944 | +30.9% |
| Operating profit (loss) | 9901 | €100,814 | €28,401 | -€72,414 | -71.8% |
| Financial income | 75/76B | €1,381 | €1,947 | +€566 | +41.0% |
| Recurring financial income | 75 | €357 | €924 | +€566 | +158% |
| Non-recurring financial income | 76B | €1,023 | €1,023 | = | 0.0% |
| Financial charges | 65/66B | €25,911 | €29,625 | +€3,715 | +14.3% |
| Recurring financial charges | 65 | €25,911 | €29,625 | +€3,715 | +14.3% |
| Profit (loss) for the period before taxes | 9903 | €76,285 | €723 | -€75,562 | -99.1% |
| Income taxes | 67/77 | €28,886 | €3,276 | -€25,611 | -88.7% |
| Profit (loss) for the period | 9904 | €47,399 | -€2,553 | -€49,951 | |
| Profit (loss) for the period to be appropriated | 9905 | €47,399 | -€2,553 | -€49,951 |
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 16 October 2026 via checked.be.