Fininco: 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.
Fininco
Largest movements
- Stocks and contracts -€35,000
down €35,000 (-20.9%), from €167,838 to €132,838
- Cash +€3,874
up €3,874 (+1,698%), from €228 to €4,102
mainly Stocks and contracts (+€35,000) and Other debts (+€3,179)
- Profit (loss) carried forward -€34,587
down €34,587 (-29.8%), from -€116,050 to -€150,637
- Other debts +€3,179
up €3,179 (+2.3%), from €137,252 to €140,431
- Gross operating margin -€31,506
down €31,506 (-1,251%), from -€2,518 to -€34,024
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 | €168,348 | €136,940 | -€31,408 | -18.7% |
| Current assets | 29/58 | €168,348 | €136,940 | -€31,408 | -18.7% |
| Stocks and contracts in progress | 3 | €167,838 | €132,838 | -€35,000 | -20.9% |
| Stocks | 30/36 | €167,838 | €132,838 | -€35,000 | -20.9% |
| Amounts receivable within one year | 40/41 | €282 | - | -€282 | |
| Other amounts receivable | 41 | €282 | - | -€282 | |
| Cash at bank and in hand | 54/58 | €228 | €4,102 | +€3,874 | +1,698% |
| Total equity and liabilities | 10/49 | €168,348 | €136,940 | -€31,408 | -18.7% |
| Equity | 10/15 | €31,096 | -€3,491 | -€34,587 | |
| Contributions | 10/11 | €112,960 | €112,960 | = | 0.0% |
| Capital | 10 | €112,960 | €112,960 | = | 0.0% |
| Issued capital | 100 | €112,960 | €112,960 | = | 0.0% |
| Reserves | 13 | €34,186 | €34,186 | = | 0.0% |
| Non-distributable reserves | 130/1 | €11,296 | €11,296 | = | 0.0% |
| Legal reserve | 130 | €11,296 | €11,296 | = | 0.0% |
| Distributable reserves | 133 | €22,890 | €22,890 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€116,050 | -€150,637 | -€34,587 | -29.8% |
| Amounts payable | 17/49 | €137,252 | €140,431 | +€3,179 | +2.3% |
| Amounts payable within one year | 42/48 | €137,252 | €140,431 | +€3,179 | +2.3% |
| Other amounts payable | 47/48 | €137,252 | €140,431 | +€3,179 | +2.3% |
| Other operating charges | 640/8 | €364 | €220 | -€144 | -39.5% |
| Gross operating margin | 9900 | -€2,518 | -€34,024 | -€31,506 | -1,251% |
| Operating profit (loss) | 9901 | -€2,882 | -€34,245 | -€31,362 | -1,088% |
| Financial charges | 65/66B | €334 | €342 | +€9 | +2.6% |
| Recurring financial charges | 65 | €334 | €342 | +€9 | +2.6% |
| Profit (loss) for the period before taxes | 9903 | -€3,216 | -€34,587 | -€31,371 | -975% |
| Profit (loss) for the period | 9904 | -€3,216 | -€34,587 | -€31,371 | -975% |
| Profit (loss) for the period to be appropriated | 9905 | -€3,216 | -€34,587 | -€31,371 | -975% |
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.