FINANCIERE RIBER: 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
FINANCIERE RIBER
NACE 64.210, Activities of holding companies
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€75,260
2024 · €308,767-€233,506
Equity
€2.4m
2024 · €2.8m-€424,740
Cash
€7,563
2024 · €3,569+€3,994
Balance sheet total
€4.7m
2024 · €4.5m+€216,193
Largest movements
Assets
- Receivables within one year +€195,696
up €195,696 (+21.3%), from €919,538 to €1.1m
of which Trade receivables: +€324,759
Equity and liabilities
- Other debts +€644,740
up €644,740 (+44.1%), from €1.5m to €2.1m
- Reserves -€424,740
down €424,740 (-35.3%), from €1.2m to €777,927
of which Distributable reserves: -€424,740
Income statement
- Financial income -€228,924
down €228,924 (-88.2%), from €259,644 to €30,719
of which Non-recurring financial income: -€231,000
- Services and other goods +€46,386
up €46,386 (+6.4%), from €719,422 to €765,808
- Financial charges -€36,553
down €36,553 (-26.6%), from €137,647 to €101,094
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
€308,767
Turnover
-€1,069
Other operating income
+€8,686
Services and other goods
-€46,386
Staff costs
-€3,486
Depreciation
-€0
Other operating charges
-€65
Financial income
-€228,924
Financial charges
+€36,553
Taxes
+€1,186
Result 2025
€75,260
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
+€548,458
Investment
-€32,040
Financing
-€512,424
Cash 2024
€3,569
From operations (derived)
+€548,458
Net result for the year
+€75,260
Depreciation
+€16,054
Receivables within one year
-€195,696
Deferred charges and accrued income
-€517
Trade debts
-€10,677
Tax, wage and social debts
+€19,294
Other debts
+€644,740
Investment (derived)
-€32,040
Investment in fixed assets (net)
-€32,040
Financing
-€512,424
Debts after one year
-€3,582
Current portion of long-term debt
-€8,842
Contributions, distributions and other
-€500,000
Cash 2025
€7,563
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €4,490,779 | €4,706,972 | +€216,193 | +4.8% |
| Fixed assets | 21/28 | €3,564,464 | €3,580,450 | +€15,986 | +0.4% |
| Tangible fixed assets | 22/27 | €24,485 | €8,431 | -€16,054 | -65.6% |
| Furniture and vehicles | 24 | €10,231 | €6,884 | -€3,347 | -32.7% |
| Leasing and similar rights | 25 | €14,254 | €1,546 | -€12,707 | -89.2% |
| Financial fixed assets | 28 | €3,539,979 | €3,572,019 | +€32,040 | +0.9% |
| Affiliated companies | 280/1 | €3,539,920 | €3,571,959 | +€32,040 | +0.9% |
| Participating interests | 280 | €3,539,920 | €3,571,959 | +€32,040 | +0.9% |
| Other financial fixed assets | 284/8 | €59 | €59 | = | 0.0% |
| Amounts receivable and cash guarantees | 285/8 | €59 | €59 | = | 0.0% |
| Current assets | 29/58 | €926,316 | €1,126,523 | +€200,207 | +21.6% |
| Stocks and contracts in progress | 3 | €0 | €0 | = | |
| Amounts receivable within one year | 40/41 | €919,538 | €1,115,233 | +€195,696 | +21.3% |
| Trade receivables | 40 | €328,377 | €653,136 | +€324,759 | +98.9% |
| Other amounts receivable | 41 | €591,161 | €462,097 | -€129,063 | -21.8% |
| Cash at bank and in hand | 54/58 | €3,569 | €7,563 | +€3,994 | +112% |
| Deferred charges and accrued income | 490/1 | €3,209 | €3,727 | +€517 | +16.1% |
| Total equity and liabilities | 10/49 | €4,490,779 | €4,706,972 | +€216,193 | +4.8% |
| Equity | 10/15 | €2,831,329 | €2,406,589 | -€424,740 | -15.0% |
| Contributions | 10/11 | €1,628,662 | €1,628,662 | = | 0.0% |
| Capital | 10 | €1,628,662 | €1,628,662 | = | 0.0% |
| Issued capital | 100 | €1,628,662 | €1,628,662 | = | 0.0% |
| Reserves | 13 | €1,202,667 | €777,927 | -€424,740 | -35.3% |
| Non-distributable reserves | 130/1 | €137,856 | €137,856 | = | 0.0% |
| Legal reserve | 130 | €137,856 | €137,856 | = | 0.0% |
| Distributable reserves | 133 | €1,064,811 | €640,071 | -€424,740 | -39.9% |
| Amounts payable | 17/49 | €1,659,450 | €2,300,383 | +€640,933 | +38.6% |
| Amounts payable after more than one year | 17 | €3,582 | €0 | -€3,582 | -100% |
| Financial debts | 170/4 | €3,582 | €0 | -€3,582 | -100% |
| Leasing and similar obligations | 172 | €3,582 | €0 | -€3,582 | -100% |
| Amounts payable within one year | 42/48 | €1,655,868 | €2,300,383 | +€644,515 | +38.9% |
| Current portion of amounts payable after more than one year | 42 | €12,424 | €3,582 | -€8,842 | -71.2% |
| Trade debts | 44 | €19,180 | €8,503 | -€10,677 | -55.7% |
| Suppliers | 440/4 | €19,180 | €8,503 | -€10,677 | -55.7% |
| Taxes, remuneration and social security | 45 | €162,907 | €182,201 | +€19,294 | +11.8% |
| Taxes | 450/3 | €120,638 | €140,302 | +€19,664 | +16.3% |
| Remuneration and social security | 454/9 | €42,269 | €41,899 | -€370 | -0.9% |
| Other amounts payable | 47/48 | €1,461,357 | €2,106,097 | +€644,740 | +44.1% |
| Operating income | 70/76A | €1,082,004 | €1,089,620 | +€7,616 | +0.7% |
| Turnover | 70 | €1,073,949 | €1,072,879 | -€1,069 | -0.1% |
| Other operating income | 74 | €8,055 | €16,741 | +€8,686 | +108% |
| Non-recurring operating income | 76A | €0 | - | = | |
| Operating charges | 60/66A | €856,274 | €906,211 | +€49,938 | +5.8% |
| Services and other goods | 61 | €719,422 | €765,808 | +€46,386 | +6.4% |
| Remuneration, social security and pensions | 62 | €117,091 | €120,577 | +€3,486 | +3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €16,054 | €16,054 | +€0 | 0.0% |
| Other operating charges | 640/8 | €3,706 | €3,772 | +€65 | +1.8% |
| Operating profit (loss) | 9901 | €225,730 | €183,409 | -€42,321 | -18.7% |
| Financial income | 75/76B | €259,644 | €30,719 | -€228,924 | -88.2% |
| Recurring financial income | 75 | €28,644 | €30,719 | +€2,076 | +7.2% |
| Income from financial fixed assets | 750 | €0 | - | = | |
| Income from current assets | 751 | €28,444 | €30,719 | +€2,275 | +8.0% |
| Other financial income | 752/9 | €200 | €0 | -€200 | -100.0% |
| Non-recurring financial income | 76B | €231,000 | €0 | -€231,000 | -100% |
| Financial charges | 65/66B | €137,647 | €101,094 | -€36,553 | -26.6% |
| Recurring financial charges | 65 | €137,647 | €101,094 | -€36,553 | -26.6% |
| Debt charges | 650 | €137,541 | €101,094 | -€36,447 | -26.5% |
| Other financial charges | 652/9 | €106 | €0 | -€106 | -100% |
| Profit (loss) for the period before taxes | 9903 | €347,727 | €113,034 | -€234,692 | -67.5% |
| Income taxes | 67/77 | €38,960 | €37,774 | -€1,186 | -3.0% |
| Taxes | 670/3 | €39,000 | €37,774 | -€1,226 | -3.1% |
| Tax adjustments and reversals of tax provisions | 77 | €40 | €0 | -€40 | -100% |
| Profit (loss) for the period | 9904 | €308,767 | €75,260 | -€233,506 | -75.6% |
| Profit (loss) for the period to be appropriated | 9905 | €308,767 | €75,260 | -€233,506 | -75.6% |
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 23 October 2026 via checked.be.