Fin4you: 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.
Fin4you
Largest movements
- Receivables within one year +€23,843
up €23,843 (+98.8%), from €24,140 to €47,983
of which Trade receivables: +€13,631
- Tangible fixed assets -€15,661
down €15,661 (-28.0%), from €55,943 to €40,282
of which Furniture and vehicles: -€8,321
- Intangible fixed assets -€1,724
down €1,724 (-54.6%), from €3,160 to €1,436
- Profit (loss) carried forward +€9,256
up €9,256 (+17.2%), from -€53,873 to -€44,617
- Reserves -€2,000
down €2,000 (-9.1%), from €21,877 to €19,877
- Current portion of long-term debt -€1,949
down €1,949 (-100%), from €1,949 to €0
- Short-term financial debts +€1,628
up €1,628 (+2.3%), from €72,229 to €73,857
- Tax, wage and social debts -€1,596
down €1,596 (-100%), from €1,596 to €0
- Gross operating margin +€8,397
up €8,397 (+23.2%), from €36,186 to €44,584
- Taxes +€2,436
up €2,436 (+53.0%), from €4,596 to €7,032
- Depreciation -€2,216
down €2,216 (-10.3%), from €21,504 to €19,288
- Financial charges -€590
down €590 (-6.0%), from €9,833 to €9,243
- Financial income +€528
up €528 (+153%), from €345 to €873
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 | €87,856 | €94,316 | +€6,460 | +7.4% |
| Fixed assets | 21/28 | €60,528 | €43,143 | -€17,385 | -28.7% |
| Intangible fixed assets | 21 | €3,160 | €1,436 | -€1,724 | -54.6% |
| Tangible fixed assets | 22/27 | €55,943 | €40,282 | -€15,661 | -28.0% |
| Furniture and vehicles | 24 | €19,393 | €11,071 | -€8,321 | -42.9% |
| Other tangible fixed assets | 26 | €36,550 | €29,211 | -€7,339 | -20.1% |
| Financial fixed assets | 28 | €1,425 | €1,425 | = | 0.0% |
| Current assets | 29/58 | €27,328 | €51,173 | +€23,845 | +87.3% |
| Amounts receivable within one year | 40/41 | €24,140 | €47,983 | +€23,843 | +98.8% |
| Trade receivables | 40 | €16,301 | €29,932 | +€13,631 | +83.6% |
| Other amounts receivable | 41 | €7,839 | €18,051 | +€10,212 | +130% |
| Cash at bank and in hand | 54/58 | €749 | €870 | +€120 | +16.1% |
| Deferred charges and accrued income | 490/1 | €2,439 | €2,321 | -€118 | -4.9% |
| Total equity and liabilities | 10/49 | €87,856 | €94,316 | +€6,460 | +7.4% |
| Equity | 10/15 | €8,004 | €15,260 | +€7,256 | +90.7% |
| Contributions | 10/11 | €40,000 | €40,000 | = | 0.0% |
| Reserves | 13 | €21,877 | €19,877 | -€2,000 | -9.1% |
| Distributable reserves | 133 | €21,877 | €19,877 | -€2,000 | -9.1% |
| Profit (loss) carried forward | 14 | -€53,873 | -€44,617 | +€9,256 | +17.2% |
| Amounts payable | 17/49 | €79,853 | €79,057 | -€796 | -1.0% |
| Amounts payable after more than one year | 17 | €0 | - | = | |
| Financial debts | 170/4 | €0 | - | = | |
| Amounts payable within one year | 42/48 | €79,548 | €78,751 | -€797 | -1.0% |
| Current portion of amounts payable after more than one year | 42 | €1,949 | €0 | -€1,949 | -100% |
| Financial debts | 43 | €72,229 | €73,857 | +€1,628 | +2.3% |
| Credit institutions | 430/8 | €72,229 | €73,857 | +€1,628 | +2.3% |
| Trade debts | 44 | €3,775 | €4,895 | +€1,120 | +29.7% |
| Suppliers | 440/4 | €3,775 | €4,895 | +€1,120 | +29.7% |
| Taxes, remuneration and social security | 45 | €1,596 | €0 | -€1,596 | -100% |
| Taxes | 450/3 | €1,596 | €0 | -€1,596 | -100% |
| Accrued charges and deferred income | 492/3 | €305 | €306 | +€1 | +0.4% |
| Non-recurring operating income | 76A | - | €7,000 | +€7,000 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €21,504 | €19,288 | -€2,216 | -10.3% |
| Other operating charges | 640/8 | €2,899 | €2,637 | -€262 | -9.0% |
| Gross operating margin | 9900 | €36,186 | €44,584 | +€8,397 | +23.2% |
| Operating profit (loss) | 9901 | €11,783 | €22,659 | +€10,875 | +92.3% |
| Financial income | 75/76B | €345 | €873 | +€528 | +153% |
| Recurring financial income | 75 | €345 | €873 | +€528 | +153% |
| Financial charges | 65/66B | €9,833 | €9,243 | -€590 | -6.0% |
| Recurring financial charges | 65 | €9,833 | €9,243 | -€590 | -6.0% |
| Profit (loss) for the period before taxes | 9903 | €2,295 | €14,288 | +€11,993 | +523% |
| Income taxes | 67/77 | €4,596 | €7,032 | +€2,436 | +53.0% |
| Profit (loss) for the period | 9904 | -€2,301 | €7,256 | +€9,557 | |
| Profit (loss) for the period to be appropriated | 9905 | -€2,301 | €7,256 | +€9,557 |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 13 October 2026 via checked.be.