FinCo Services: 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.
FinCo Services
Largest movements
- Tangible fixed assets +€25,022
new in 2025: €25,022
of which Furniture and vehicles: +€21,599
- Receivables within one year +€14,214
up €14,214 (+69.6%), from €20,425 to €34,640
of which Trade receivables: +€16,288
- Stocks and contracts -€9,564
no longer reported in 2025 (was €9,564)
- Cash +€6,173
new in 2025: €6,173
mainly Net result for the year (+€32,037) and Debts after one year (+€16,458)
- Deferred charges and accrued income +€678
new in 2025: €678
- Profit (loss) carried forward +€32,037
up €32,037, from -€12,283 to €19,754
- Other debts -€18,362
no longer reported in 2025 (was €18,362)
- Debts after one year +€16,458
new in 2025: €16,458
- Current portion of long-term debt +€3,906
new in 2025: €3,906
- Trade debts +€1,703
new in 2025: €1,703
- Turnover +€95,643
up €95,643 (+473%), from €20,207 to €115,849
- Purchases and services +€78,140
up €78,140 (+9,353%), from €836 to €78,976
- Gross operating margin +€19,153
up €19,153 (+98.9%), from €19,371 to €38,524
- Taxes -€3,346
down €3,346 (-63.5%), from €5,267 to €1,921
- Depreciation +€2,948
new in 2025: €2,948
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 | €29,989 | €66,512 | +€36,523 | +122% |
| Fixed assets | 21/28 | - | €25,022 | +€25,022 | |
| Tangible fixed assets | 22/27 | - | €25,022 | +€25,022 | |
| Plant, machinery and equipment | 23 | - | €3,423 | +€3,423 | |
| Furniture and vehicles | 24 | - | €21,599 | +€21,599 | |
| Current assets | 29/58 | €29,989 | €41,490 | +€11,501 | +38.4% |
| Stocks and contracts in progress | 3 | €9,564 | - | -€9,564 | |
| Stocks | 30/36 | €9,564 | - | -€9,564 | |
| Amounts receivable within one year | 40/41 | €20,425 | €34,640 | +€14,214 | +69.6% |
| Trade receivables | 40 | €250 | €16,538 | +€16,288 | +6,515% |
| Other amounts receivable | 41 | €20,175 | €18,102 | -€2,074 | -10.3% |
| Cash at bank and in hand | 54/58 | - | €6,173 | +€6,173 | |
| Deferred charges and accrued income | 490/1 | - | €678 | +€678 | |
| Total equity and liabilities | 10/49 | €29,989 | €66,512 | +€36,523 | +122% |
| Equity | 10/15 | €6,317 | €38,354 | +€32,037 | +507% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€12,283 | €19,754 | +€32,037 | |
| Amounts payable | 17/49 | €23,672 | €28,159 | +€4,486 | +19.0% |
| Amounts payable after more than one year | 17 | - | €16,458 | +€16,458 | |
| Financial debts | 170/4 | - | €16,458 | +€16,458 | |
| Amounts payable within one year | 42/48 | €23,672 | €11,700 | -€11,972 | -50.6% |
| Current portion of amounts payable after more than one year | 42 | - | €3,906 | +€3,906 | |
| Trade debts | 44 | - | €1,703 | +€1,703 | |
| Suppliers | 440/4 | - | €1,703 | +€1,703 | |
| Taxes, remuneration and social security | 45 | €5,310 | €6,092 | +€781 | +14.7% |
| Taxes | 450/3 | €5,310 | €6,092 | +€781 | +14.7% |
| Other amounts payable | 47/48 | €18,362 | - | -€18,362 | |
| Turnover | 70 | €20,207 | €115,849 | +€95,643 | +473% |
| Goods, raw materials, services and sundry goods | 60/61 | €836 | €78,976 | +€78,140 | +9,353% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | - | €2,948 | +€2,948 | |
| Other operating charges | 640/8 | - | €1,038 | +€1,038 | |
| Gross operating margin | 9900 | €19,371 | €38,524 | +€19,153 | +98.9% |
| Operating profit (loss) | 9901 | €19,371 | €34,538 | +€15,167 | +78.3% |
| Financial charges | 65/66B | €42 | €580 | +€538 | +1,269% |
| Recurring financial charges | 65 | €42 | €580 | +€538 | +1,269% |
| Profit (loss) for the period before taxes | 9903 | €19,329 | €33,958 | +€14,629 | +75.7% |
| Income taxes | 67/77 | €5,267 | €1,921 | -€3,346 | -63.5% |
| Profit (loss) for the period | 9904 | €14,062 | €32,037 | +€17,975 | +128% |
| Profit (loss) for the period to be appropriated | 9905 | €14,062 | €32,037 | +€17,975 | +128% |
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 25 October 2026 via checked.be.