Finchco: 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.
Finchco
Largest movements
- Tangible fixed assets -€12,664
down €12,664 (-27.9%), from €45,390 to €32,727
of which Leasing and similar rights: -€8,255
- Cash +€6,619
up €6,619 (+43.2%), from €15,337 to €21,955
mainly Depreciation (+€12,664) and Trade debts (+€3,695)
- Receivables within one year -€1,675
down €1,675 (-17.1%), from €9,798 to €8,124
- Debts after one year -€8,554
down €8,554 (-35.8%), from €23,923 to €15,369
- Profit (loss) carried forward -€4,249
down €4,249 (-32.2%), from €13,202 to €8,952
- Trade debts +€3,695
up €3,695 (+348%), from €1,060 to €4,755
- Tax, wage and social debts +€1,082
up €1,082 (+10.9%), from €9,949 to €11,031
of which Taxes: +€982
- Other debts -€1,065
down €1,065 (-6.5%), from €16,392 to €15,327
- Gross operating margin -€11,652
down €11,652 (-48.6%), from €23,987 to €12,335
- Taxes -€2,110
down €2,110 (-79.6%), from €2,650 to €540
- Financial charges -€698
down €698 (-33.1%), from €2,111 to €1,413
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €72,401 | €64,087 | -€8,314 | -11.5% |
| Fixed assets | 21/28 | €45,390 | €32,727 | -€12,664 | -27.9% |
| Tangible fixed assets | 22/27 | €45,390 | €32,727 | -€12,664 | -27.9% |
| Furniture and vehicles | 24 | €14,408 | €10,000 | -€4,408 | -30.6% |
| Leasing and similar rights | 25 | €30,982 | €22,727 | -€8,255 | -26.6% |
| Current assets | 29/58 | €27,011 | €31,361 | +€4,350 | +16.1% |
| Amounts receivable within one year | 40/41 | €9,798 | €8,124 | -€1,675 | -17.1% |
| Trade receivables | 40 | €9,798 | €8,124 | -€1,675 | -17.1% |
| Cash at bank and in hand | 54/58 | €15,337 | €21,955 | +€6,619 | +43.2% |
| Deferred charges and accrued income | 490/1 | €1,876 | €1,282 | -€594 | -31.7% |
| Total equity and liabilities | 10/49 | €72,401 | €64,087 | -€8,314 | -11.5% |
| Equity | 10/15 | €13,302 | €9,052 | -€4,249 | -31.9% |
| Contributions | 10/11 | €100 | €100 | = | 0.0% |
| Profit (loss) carried forward | 14 | €13,202 | €8,952 | -€4,249 | -32.2% |
| Amounts payable | 17/49 | €59,099 | €55,035 | -€4,064 | -6.9% |
| Amounts payable after more than one year | 17 | €23,923 | €15,369 | -€8,554 | -35.8% |
| Financial debts | 170/4 | €23,923 | €15,369 | -€8,554 | -35.8% |
| Amounts payable within one year | 42/48 | €35,177 | €39,666 | +€4,489 | +12.8% |
| Current portion of amounts payable after more than one year | 42 | €7,776 | €8,554 | +€778 | +10.0% |
| Trade debts | 44 | €1,060 | €4,755 | +€3,695 | +348% |
| Suppliers | 440/4 | €1,060 | €4,755 | +€3,695 | +348% |
| Taxes, remuneration and social security | 45 | €9,949 | €11,031 | +€1,082 | +10.9% |
| Taxes | 450/3 | €7,549 | €8,531 | +€982 | +13.0% |
| Remuneration and social security | 454/9 | €2,400 | €2,500 | +€100 | +4.2% |
| Other amounts payable | 47/48 | €16,392 | €15,327 | -€1,065 | -6.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €12,553 | €12,664 | +€110 | +0.9% |
| Other operating charges | 640/8 | €2,036 | €1,968 | -€68 | -3.3% |
| Gross operating margin | 9900 | €23,987 | €12,335 | -€11,652 | -48.6% |
| Operating profit (loss) | 9901 | €9,397 | -€2,297 | -€11,694 | |
| Financial charges | 65/66B | €2,111 | €1,413 | -€698 | -33.1% |
| Recurring financial charges | 65 | €2,111 | €1,413 | -€698 | -33.1% |
| Profit (loss) for the period before taxes | 9903 | €7,287 | -€3,709 | -€10,996 | |
| Income taxes | 67/77 | €2,650 | €540 | -€2,110 | -79.6% |
| Profit (loss) for the period | 9904 | €4,636 | -€4,249 | -€8,886 | |
| Profit (loss) for the period to be appropriated | 9905 | €4,636 | -€4,249 | -€8,886 |
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.