Finance4Sure: 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.
Finance4Sure
Largest movements
- Receivables within one year +€12,084
up €12,084 (+203.6%), from €5,936 to €18,020
of which Trade receivables: +€12,246
- Tangible fixed assets -€8,008
down €8,008 (-2.5%), from €321,840 to €313,832
- Profit (loss) carried forward +€26,889
new in 2025: €26,889
- Debts after one year -€13,986
down €13,986 (-8.6%), from €163,114 to €149,128
of which Financial debts: -€23,986
- Advances received -€10,000
no longer reported in 2025 (was €10,000)
- Tax, wage and social debts +€8,382
up €8,382 (+220.6%), from €3,800 to €12,182
- Other debts -€6,439
down €6,439 (-56.0%), from €11,503 to €5,064
- Gross operating margin +€21,168
up €21,168 (+73.2%), from €28,922 to €50,090
- Taxes +€6,185
up €6,185 (+151.9%), from €4,072 to €10,257
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 | €329,911 | €336,339 | +€6,428 | +1.9% |
| Fixed assets | 21/28 | €321,840 | €313,832 | -€8,008 | -2.5% |
| Tangible fixed assets | 22/27 | €321,840 | €313,832 | -€8,008 | -2.5% |
| Land and buildings | 22 | €321,840 | €313,832 | -€8,008 | -2.5% |
| Current assets | 29/58 | €8,072 | €22,507 | +€14,435 | +178.8% |
| Amounts receivable within one year | 40/41 | €5,936 | €18,020 | +€12,084 | +203.6% |
| Trade receivables | 40 | €5,775 | €18,020 | +€12,246 | +212.1% |
| Other amounts receivable | 41 | €161 | - | -€161 | |
| Cash at bank and in hand | 54/58 | €2,136 | €4,486 | +€2,350 | +110.1% |
| Deferred charges and accrued income | 490/1 | - | €1 | +€1 | |
| Total equity and liabilities | 10/49 | €329,911 | €336,339 | +€6,428 | +1.9% |
| Equity | 10/15 | €90,468 | €117,357 | +€26,889 | +29.7% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €71,868 | €71,868 | -€0 | 0.0% |
| Distributable reserves | 133 | €71,868 | €71,868 | -€0 | 0.0% |
| Profit (loss) carried forward | 14 | - | €26,889 | +€26,889 | |
| Amounts payable | 17/49 | €239,443 | €218,982 | -€20,461 | -8.5% |
| Amounts payable after more than one year | 17 | €163,114 | €149,128 | -€13,986 | -8.6% |
| Financial debts | 170/4 | €85,114 | €61,128 | -€23,986 | -28.2% |
| Other amounts payable | 178/9 | €78,000 | €88,000 | +€10,000 | +12.8% |
| Amounts payable within one year | 42/48 | €71,929 | €65,229 | -€6,700 | -9.3% |
| Current portion of amounts payable after more than one year | 42 | €23,255 | €26,149 | +€2,894 | +12.4% |
| Trade debts | 44 | €23,371 | €21,834 | -€1,537 | -6.6% |
| Suppliers | 440/4 | €23,371 | €21,834 | -€1,537 | -6.6% |
| Advances received on contracts in progress | 46 | €10,000 | - | -€10,000 | |
| Taxes, remuneration and social security | 45 | €3,800 | €12,182 | +€8,382 | +220.6% |
| Taxes | 450/3 | €3,800 | €12,182 | +€8,382 | +220.6% |
| Other amounts payable | 47/48 | €11,503 | €5,064 | -€6,439 | -56.0% |
| Accrued charges and deferred income | 492/3 | €4,400 | €4,625 | +€225 | +5.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €8,008 | €8,008 | +€0 | 0.0% |
| Other operating charges | 640/8 | €1,550 | €1,470 | -€80 | -5.2% |
| Gross operating margin | 9900 | €28,922 | €50,090 | +€21,168 | +73.2% |
| Operating profit (loss) | 9901 | €19,364 | €40,612 | +€21,248 | +109.7% |
| Financial charges | 65/66B | €3,937 | €3,466 | -€471 | -12.0% |
| Recurring financial charges | 65 | €3,937 | €3,466 | -€471 | -12.0% |
| Profit (loss) for the period before taxes | 9903 | €15,427 | €37,146 | +€21,719 | +140.8% |
| Income taxes | 67/77 | €4,072 | €10,257 | +€6,185 | +151.9% |
| Profit (loss) for the period | 9904 | €11,355 | €26,889 | +€15,534 | +136.8% |
| Profit (loss) for the period to be appropriated | 9905 | €11,355 | €26,889 | +€15,534 | +136.8% |
Source: filed annual accounts (NBB), fiscal years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 6 October 2026 via checked.be.