Finances Services Immo: 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
Finances Services Immo
NACE 70.200, Business and other management consultancy
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€28,671
2024 · €37,666-€8,996
Equity
€1.1m
2024 · €1.1m+€28,671
Cash
€855
2024 · €387+€469
Balance sheet total
€1.3m
2024 · €1.3m-€15,436
Largest movements
Assets
- Tangible fixed assets -€25,505
down €25,505 (-7.1%), from €358,009 to €332,504
of which Land and buildings: -€24,433
Equity and liabilities
- Tax, wage and social debts -€30,955
down €30,955 (-43.7%), from €70,802 to €39,847
- Reserves +€27,000
up €27,000 (+2.7%), from €995,687 to €1.0m
Income statement
- Gross operating margin -€16,766
down €16,766 (-16.6%), from €101,230 to €84,464
- Taxes -€5,408
down €5,408 (-27.2%), from €19,907 to €14,499
- Financial charges -€2,403
down €2,403 (-19.3%), from €12,471 to €10,067
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
€37,666
Gross operating margin
-€16,766
Depreciation
-€111
Other operating charges
+€95
Financial income
-€24
Financial charges
+€2,403
Taxes
+€5,408
Result 2025
€28,671
raises the resultlowers the result
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
+€10,332
Investment
€0
Financing
-€9,863
Cash 2024
€387
From operations (derived)
+€10,332
Net result for the year
+€28,671
Depreciation
+€25,505
Receivables within one year
-€9,582
Deferred charges and accrued income
-€19
Trade debts
-€897
Tax, wage and social debts
-€30,955
Accrued charges and deferred income
-€2,391
Financing
-€9,863
Debts after one year
-€8,255
Current portion of long-term debt
-€2,412
Short-term financial debts
+€804
Cash 2025
€855
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,305,668 | €1,290,232 | -€15,436 | -1.2% |
| Fixed assets | 21/28 | €358,009 | €332,504 | -€25,505 | -7.1% |
| Tangible fixed assets | 22/27 | €358,009 | €332,504 | -€25,505 | -7.1% |
| Land and buildings | 22 | €352,451 | €328,019 | -€24,433 | -6.9% |
| Plant, machinery and equipment | 23 | €5,558 | €4,485 | -€1,073 | -19.3% |
| Furniture and vehicles | 24 | €0 | €0 | = | |
| Current assets | 29/58 | €947,659 | €957,728 | +€10,070 | +1.1% |
| Amounts receivable after more than one year | 29 | €500,000 | €500,000 | = | 0.0% |
| Other amounts receivable | 291 | €500,000 | €500,000 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €447,173 | €456,756 | +€9,582 | +2.1% |
| Trade receivables | 40 | €43,661 | €8,031 | -€35,630 | -81.6% |
| Other amounts receivable | 41 | €403,512 | €448,725 | +€45,213 | +11.2% |
| Cash at bank and in hand | 54/58 | €387 | €855 | +€469 | +121% |
| Deferred charges and accrued income | 490/1 | €99 | €117 | +€19 | +18.9% |
| Total equity and liabilities | 10/49 | €1,305,668 | €1,290,232 | -€15,436 | -1.2% |
| Equity | 10/15 | €1,061,578 | €1,090,249 | +€28,671 | +2.7% |
| Contributions | 10/11 | €20,451 | €20,451 | = | 0.0% |
| Reserves | 13 | €995,687 | €1,022,687 | +€27,000 | +2.7% |
| Distributable reserves | 133 | €995,687 | €1,022,687 | +€27,000 | +2.7% |
| Profit (loss) carried forward | 14 | €45,440 | €47,111 | +€1,671 | +3.7% |
| Amounts payable | 17/49 | €244,090 | €199,983 | -€44,106 | -18.1% |
| Amounts payable after more than one year | 17 | €14,701 | €6,446 | -€8,255 | -56.2% |
| Financial debts | 170/4 | €14,701 | €6,446 | -€8,255 | -56.2% |
| Amounts payable within one year | 42/48 | €219,571 | €186,111 | -€33,460 | -15.2% |
| Current portion of amounts payable after more than one year | 42 | €135,668 | €133,255 | -€2,412 | -1.8% |
| Financial debts | 43 | €6,562 | €7,366 | +€804 | +12.3% |
| Credit institutions | 430/8 | €6,562 | €7,366 | +€804 | +12.3% |
| Trade debts | 44 | €6,539 | €5,643 | -€897 | -13.7% |
| Suppliers | 440/4 | €6,539 | €5,643 | -€897 | -13.7% |
| Taxes, remuneration and social security | 45 | €70,802 | €39,847 | -€30,955 | -43.7% |
| Taxes | 450/3 | €70,802 | €39,847 | -€30,955 | -43.7% |
| Accrued charges and deferred income | 492/3 | €9,818 | €7,427 | -€2,391 | -24.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €25,394 | €25,505 | +€111 | +0.4% |
| Other operating charges | 640/8 | €5,818 | €5,722 | -€95 | -1.6% |
| Gross operating margin | 9900 | €101,230 | €84,464 | -€16,766 | -16.6% |
| Operating profit (loss) | 9901 | €70,019 | €53,237 | -€16,782 | -24.0% |
| Financial income | 75/76B | €24 | - | -€24 | |
| Recurring financial income | 75 | €24 | - | -€24 | |
| Financial charges | 65/66B | €12,471 | €10,067 | -€2,403 | -19.3% |
| Recurring financial charges | 65 | €12,471 | €10,067 | -€2,403 | -19.3% |
| Profit (loss) for the period before taxes | 9903 | €57,573 | €43,170 | -€14,403 | -25.0% |
| Income taxes | 67/77 | €19,907 | €14,499 | -€5,408 | -27.2% |
| Profit (loss) for the period | 9904 | €37,666 | €28,671 | -€8,996 | -23.9% |
| Profit (loss) for the period to be appropriated | 9905 | €37,666 | €28,671 | -€8,996 | -23.9% |
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 18 October 2026 via checked.be.