Finance Center: what changed
What changed
Finance Center
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€152,188
2024 · €211,830-€59,642
Equity
€268,245
2024 · €258,735+€9,510
Cash
€64,440
2024 · €546,194-€481,754
Balance sheet total
€671,549
2024 · €902,182-€230,633
Largest movements
Assets
- Cash -€481,754
down €481,754 (-88.2%), from €546,194 to €64,440
mainly Current investments (-€250,000) and Other debts (-€193,322)
- Current investments +€250,000
new in 2025: €250,000
- Tangible fixed assets -€10,857
down €10,857 (-4.0%), from €272,764 to €261,907
of which Other tangible fixed assets: -€11,648
Equity and liabilities
- Other debts -€193,322
down €193,322 (-57.5%), from €336,000 to €142,678
- Debts after one year -€54,008
down €54,008 (-22.6%), from €239,413 to €185,405
- Profit (loss) carried forward +€9,510
up €9,510 (+9.5%), from €100,393 to €109,903
Income statement
- Gross operating margin -€69,857
down €69,857 (-18.9%), from €370,065 to €300,208
- Staff costs -€12,239
down €12,239 (-10.2%), from €119,634 to €107,395
- Depreciation +€4,305
up €4,305 (+14.6%), from €29,531 to €33,836
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€211,830
Gross operating margin
-€69,857
Staff costs
+€12,239
Depreciation
-€4,305
Other operating charges
-€764
Financial income
+€946
Financial charges
-€598
Taxes
+€2,697
Result 2025
€152,188
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
-€12,965
Investment
-€273,009
Financing
-€195,780
Cash 2024
€546,194
From operations (derived)
-€12,965
Net result for the year
+€152,188
Depreciation
+€33,836
Receivables within one year
-€6,779
Deferred charges and accrued income
-€5,169
Trade debts
+€2,796
Tax, wage and social debts
+€3,485
Other debts
-€193,322
Investment (derived)
-€273,009
Investment in fixed assets (net)
-€23,009
Current investments
-€250,000
Financing
-€195,780
Debts after one year
-€54,008
Current portion of long-term debt
+€906
Contributions, distributions and other
-€142,678
Cash 2025
€64,440
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €902,182 | €671,549 | -€230,633 | -25.6% |
| Fixed assets | 21/28 | €279,787 | €268,960 | -€10,827 | -3.9% |
| Tangible fixed assets | 22/27 | €272,764 | €261,907 | -€10,857 | -4.0% |
| Plant, machinery and equipment | 23 | €166,540 | €168,422 | +€1,882 | +1.1% |
| Furniture and vehicles | 24 | €12,944 | €11,853 | -€1,091 | -8.4% |
| Other tangible fixed assets | 26 | €93,280 | €81,632 | -€11,648 | -12.5% |
| Financial fixed assets | 28 | €7,023 | €7,053 | +€30 | +0.4% |
| Current assets | 29/58 | €622,395 | €402,589 | -€219,806 | -35.3% |
| Amounts receivable within one year | 40/41 | €24,467 | €31,246 | +€6,779 | +27.7% |
| Trade receivables | 40 | - | €35 | +€35 | |
| Other amounts receivable | 41 | €24,467 | €31,211 | +€6,744 | +27.6% |
| Current investments | 50/53 | - | €250,000 | +€250,000 | |
| Cash at bank and in hand | 54/58 | €546,194 | €64,440 | -€481,754 | -88.2% |
| Deferred charges and accrued income | 490/1 | €51,734 | €56,903 | +€5,169 | +10.0% |
| Total equity and liabilities | 10/49 | €902,182 | €671,549 | -€230,633 | -25.6% |
| Equity | 10/15 | €258,735 | €268,245 | +€9,510 | +3.7% |
| Contributions | 10/11 | €19,323 | €19,323 | = | 0.0% |
| Reserves | 13 | €139,019 | €139,019 | = | 0.0% |
| Distributable reserves | 133 | €139,019 | €139,019 | = | 0.0% |
| Profit (loss) carried forward | 14 | €100,393 | €109,903 | +€9,510 | +9.5% |
| Amounts payable | 17/49 | €643,447 | €403,304 | -€240,143 | -37.3% |
| Amounts payable after more than one year | 17 | €239,413 | €185,405 | -€54,008 | -22.6% |
| Financial debts | 170/4 | €239,413 | €185,405 | -€54,008 | -22.6% |
| Amounts payable within one year | 42/48 | €404,034 | €217,899 | -€186,135 | -46.1% |
| Current portion of amounts payable after more than one year | 42 | €53,102 | €54,008 | +€906 | +1.7% |
| Trade debts | 44 | €2,224 | €5,020 | +€2,796 | +126% |
| Suppliers | 440/4 | €2,224 | €5,020 | +€2,796 | +126% |
| Taxes, remuneration and social security | 45 | €12,708 | €16,193 | +€3,485 | +27.4% |
| Remuneration and social security | 454/9 | €12,708 | €16,193 | +€3,485 | +27.4% |
| Other amounts payable | 47/48 | €336,000 | €142,678 | -€193,322 | -57.5% |
| Remuneration, social security and pensions | 62 | €119,634 | €107,395 | -€12,239 | -10.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €29,531 | €33,836 | +€4,305 | +14.6% |
| Other operating charges | 640/8 | €3,499 | €4,263 | +€764 | +21.8% |
| Gross operating margin | 9900 | €370,065 | €300,208 | -€69,857 | -18.9% |
| Operating profit (loss) | 9901 | €217,401 | €154,714 | -€62,687 | -28.8% |
| Financial income | 75/76B | €9,958 | €10,904 | +€946 | +9.5% |
| Recurring financial income | 75 | €9,958 | €10,904 | +€946 | +9.5% |
| Financial charges | 65/66B | €5,661 | €6,259 | +€598 | +10.6% |
| Recurring financial charges | 65 | €5,661 | €6,259 | +€598 | +10.6% |
| Profit (loss) for the period before taxes | 9903 | €221,698 | €159,359 | -€62,339 | -28.1% |
| Income taxes | 67/77 | €9,868 | €7,171 | -€2,697 | -27.3% |
| Profit (loss) for the period | 9904 | €211,830 | €152,188 | -€59,642 | -28.2% |
| Profit (loss) for the period to be appropriated | 9905 | €211,830 | €152,188 | -€59,642 | -28.2% |
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 2 November 2026 via checked.be.