Finanzawaas: 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
Finanzawaas
NACE 66.191, Agents and brokers in banking services
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€1.2m
2024 · €848,930+€390,446
Equity
€615,735
2024 · €219,592+€396,143
Cash
-
2024 · €0
Balance sheet total
€4.5m
2024 · €4.7m-€165,502
Largest movements
Assets
- Deferred charges and accrued income +€404,325
up €404,325 (+57.7%), from €700,992 to €1.1m
- Intangible fixed assets -€383,044
down €383,044 (-11.8%), from €3.3m to €2.9m
- Receivables after one year -€238,802
down €238,802 (-40.2%), from €593,506 to €354,703
- Tangible fixed assets +€53,738
up €53,738 (+52.7%), from €101,892 to €155,630
Equity and liabilities
- Short-term financial debts -€411,924
down €411,924 (-65.6%), from €627,882 to €215,958
- Reserves +€396,143
up €396,143 (+186%), from €213,392 to €609,535
- Debts after one year -€339,761
down €339,761 (-14.1%), from €2.4m to €2.1m
- Tax, wage and social debts +€117,756
up €117,756 (+62.1%), from €189,741 to €307,497
of which Taxes: +€124,844
Income statement
- Gross operating margin +€521,499
up €521,499 (+23.0%), from €2.3m to €2.8m
- Taxes +€133,810
up €133,810 (+239%), from €55,900 to €189,710
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
€848,930
Gross operating margin
+€521,499
Staff costs
+€10,209
Depreciation
-€9,850
Other operating charges
-€635
Other operating items
+€547
Financial income
-€8,008
Financial charges
+€10,493
Taxes
-€133,810
Result 2025
€1.2m
raises the resultlowers the resultnot broken down further in the accounts
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
+€1.7m
Investment
-€85,378
Financing
-€1.6m
Cash 2024
€0
From operations (derived)
+€1.7m
Net result for the year
+€1.2m
Depreciation
+€414,685
Receivables after one year
+€238,802
Receivables within one year
+€1,719
Deferred charges and accrued income
-€404,325
Trade debts
+€20,498
Tax, wage and social debts
+€117,756
Other debts
+€44,047
Accrued charges and deferred income
-€3,345
Investment (derived)
-€85,378
Investment in fixed assets (net)
-€85,378
Financing
-€1.6m
Debts after one year
-€339,761
Current portion of long-term debt
+€11,083
Short-term financial debts
-€411,924
Contributions, distributions and other
-€843,233
Cash 2025
€0
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €4,660,168 | €4,494,666 | -€165,502 | -3.6% |
| Fixed assets | 21/28 | €3,363,951 | €3,034,645 | -€329,306 | -9.8% |
| Intangible fixed assets | 21 | €3,254,302 | €2,871,257 | -€383,044 | -11.8% |
| Tangible fixed assets | 22/27 | €101,892 | €155,630 | +€53,738 | +52.7% |
| Furniture and vehicles | 24 | €101,892 | €155,630 | +€53,738 | +52.7% |
| Financial fixed assets | 28 | €7,757 | €7,757 | = | 0.0% |
| Current assets | 29/58 | €1,296,217 | €1,460,021 | +€163,804 | +12.6% |
| Amounts receivable after more than one year | 29 | €593,506 | €354,703 | -€238,802 | -40.2% |
| Other amounts receivable | 291 | €593,506 | €354,703 | -€238,802 | -40.2% |
| Amounts receivable within one year | 40/41 | €1,719 | €0 | -€1,719 | -100% |
| Other amounts receivable | 41 | €1,719 | €0 | -€1,719 | -100% |
| Cash at bank and in hand | 54/58 | €0 | - | = | |
| Deferred charges and accrued income | 490/1 | €700,992 | €1,105,318 | +€404,325 | +57.7% |
| Total equity and liabilities | 10/49 | €4,660,168 | €4,494,666 | -€165,502 | -3.6% |
| Equity | 10/15 | €219,592 | €615,735 | +€396,143 | +180% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €213,392 | €609,535 | +€396,143 | +186% |
| Distributable reserves | 133 | €213,392 | €609,535 | +€396,143 | +186% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €4,440,576 | €3,878,930 | -€561,645 | -12.6% |
| Amounts payable after more than one year | 17 | €2,410,720 | €2,070,959 | -€339,761 | -14.1% |
| Financial debts | 170/4 | €2,410,720 | €2,070,959 | -€339,761 | -14.1% |
| Amounts payable within one year | 42/48 | €2,020,379 | €1,801,840 | -€218,539 | -10.8% |
| Current portion of amounts payable after more than one year | 42 | €365,969 | €377,053 | +€11,083 | +3.0% |
| Financial debts | 43 | €627,882 | €215,958 | -€411,924 | -65.6% |
| Credit institutions | 430/8 | €627,882 | €215,958 | -€411,924 | -65.6% |
| Trade debts | 44 | €37,166 | €57,665 | +€20,498 | +55.2% |
| Suppliers | 440/4 | €37,166 | €57,665 | +€20,498 | +55.2% |
| Taxes, remuneration and social security | 45 | €189,741 | €307,497 | +€117,756 | +62.1% |
| Taxes | 450/3 | €68,351 | €193,194 | +€124,844 | +183% |
| Remuneration and social security | 454/9 | €121,390 | €114,302 | -€7,088 | -5.8% |
| Other amounts payable | 47/48 | €799,620 | €843,668 | +€44,047 | +5.5% |
| Accrued charges and deferred income | 492/3 | €9,477 | €6,132 | -€3,345 | -35.3% |
| Non-recurring operating income | 76A | €10,919 | €0 | -€10,919 | -100% |
| Remuneration, social security and pensions | 62 | €888,737 | €878,528 | -€10,209 | -1.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €404,835 | €414,685 | +€9,850 | +2.4% |
| Other operating charges | 640/8 | €3,092 | €3,727 | +€635 | +20.5% |
| Non-recurring operating charges | 66A | €1,177 | €630 | -€547 | -46.5% |
| Gross operating margin | 9900 | €2,271,228 | €2,792,727 | +€521,499 | +23.0% |
| Operating profit (loss) | 9901 | €973,386 | €1,495,157 | +€521,771 | +53.6% |
| Financial income | 75/76B | €29,787 | €21,779 | -€8,008 | -26.9% |
| Recurring financial income | 75 | €29,787 | €21,779 | -€8,008 | -26.9% |
| Financial charges | 65/66B | €98,344 | €87,850 | -€10,493 | -10.7% |
| Recurring financial charges | 65 | €98,344 | €87,850 | -€10,493 | -10.7% |
| Profit (loss) for the period before taxes | 9903 | €904,830 | €1,429,086 | +€524,256 | +57.9% |
| Income taxes | 67/77 | €55,900 | €189,710 | +€133,810 | +239% |
| Profit (loss) for the period | 9904 | €848,930 | €1,239,376 | +€390,446 | +46.0% |
| Profit (loss) for the period to be appropriated | 9905 | €848,930 | €1,239,376 | +€390,446 | +46.0% |
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 26 October 2026 via checked.be.