FINLIFE: 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.
FINLIFE
Largest movements
- Cash -€10,276
down €10,276 (-45.7%), from €22,474 to €12,198
mainly Contributions, distributions and other (-€10,000) and Trade debts (-€954)
- Profit (loss) carried forward -€19,579
down €19,579 (-94.7%), from €20,674 to €1,095
- Reserves +€10,000
new in 2025: €10,000
- Trade debts -€954
no longer reported in 2025 (was €954)
- Other debts +€279
up €279 (+41.3%), from €675 to €954
- Gross operating margin -€261
down €261 (-17.4%), from €1,503 to €1,242
- Staff costs -€159
down €159 (-25.0%), from €635 to €476
- Taxes +€159
up €159 (+180.7%), from €88 to €247
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.
Cash bridge derived
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 | €22,670 | €12,296 | -€10,374 | -45.8% |
| Fixed assets | 21/28 | €196 | €98 | -€98 | -50.0% |
| Tangible fixed assets | 22/27 | €196 | €98 | -€98 | -50.0% |
| Furniture and vehicles | 24 | €196 | €98 | -€98 | -50.0% |
| Current assets | 29/58 | €22,474 | €12,198 | -€10,276 | -45.7% |
| Cash at bank and in hand | 54/58 | €22,474 | €12,198 | -€10,276 | -45.7% |
| Total equity and liabilities | 10/49 | €22,670 | €12,296 | -€10,374 | -45.8% |
| Equity | 10/15 | €20,674 | €11,095 | -€9,579 | -46.3% |
| Reserves | 13 | - | €10,000 | +€10,000 | |
| Distributable reserves | 133 | - | €10,000 | +€10,000 | |
| Profit (loss) carried forward | 14 | €20,674 | €1,095 | -€19,579 | -94.7% |
| Amounts payable | 17/49 | €1,996 | €1,201 | -€795 | -39.8% |
| Amounts payable within one year | 42/48 | €1,996 | €1,201 | -€795 | -39.8% |
| Trade debts | 44 | €954 | - | -€954 | |
| Suppliers | 440/4 | €954 | - | -€954 | |
| Taxes, remuneration and social security | 45 | €367 | €247 | -€120 | -32.7% |
| Taxes | 450/3 | €367 | €247 | -€120 | -32.7% |
| Other amounts payable | 47/48 | €675 | €954 | +€279 | +41.3% |
| Remuneration, social security and pensions | 62 | €635 | €476 | -€159 | -25.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €98 | €98 | = | 0.0% |
| Gross operating margin | 9900 | €1,503 | €1,242 | -€261 | -17.4% |
| Operating profit (loss) | 9901 | €770 | €668 | -€102 | -13.2% |
| Financial charges | 65/66B | €5 | - | -€5 | |
| Recurring financial charges | 65 | €5 | - | -€5 | |
| Profit (loss) for the period before taxes | 9903 | €765 | €668 | -€97 | -12.7% |
| Income taxes | 67/77 | €88 | €247 | +€159 | +180.7% |
| Profit (loss) for the period | 9904 | €677 | €421 | -€256 | -37.8% |
| Profit (loss) for the period to be appropriated | 9905 | €677 | €421 | -€256 | -37.8% |
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 11 October 2026 via checked.be.