Finnbo: 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.
Finnbo
Largest movements
- Receivables within one year +€7,936
up €7,936 (+29.3%), from €27,074 to €35,010
of which Trade receivables: +€7,400
- Cash -€4,969
down €4,969 (-97.8%), from €5,082 to €113
mainly Receivables within one year (-€7,936) and Trade debts (-€7,072)
- Deferred charges and accrued income -€379
down €379 (-100%), from €379 to €0
- Reserves +€12,376
up €12,376 (+85.9%), from €14,409 to €26,785
- Trade debts -€7,072
down €7,072 (-97.3%), from €7,266 to €195
- Tax, wage and social debts -€3,169
down €3,169 (-44.8%), from €7,067 to €3,898
of which Taxes: -€3,169
- Accrued charges and deferred income +€453
new in 2025: €453
- Gross operating margin -€1,561
down €1,561 (-8.4%), from €18,677 to €17,116
- Financial charges +€288
up €288 (+3,449%), from €8 to €297
- Other operating charges +€210
up €210 (+87.2%), from €241 to €452
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 | €32,935 | €35,523 | +€2,588 | +7.9% |
| Fixed assets | 21/28 | €400 | €400 | = | 0.0% |
| Financial fixed assets | 28 | €400 | €400 | = | 0.0% |
| Current assets | 29/58 | €32,535 | €35,123 | +€2,588 | +8.0% |
| Amounts receivable within one year | 40/41 | €27,074 | €35,010 | +€7,936 | +29.3% |
| Trade receivables | 40 | €26,602 | €34,002 | +€7,400 | +27.8% |
| Other amounts receivable | 41 | €473 | €1,008 | +€536 | +113% |
| Cash at bank and in hand | 54/58 | €5,082 | €113 | -€4,969 | -97.8% |
| Deferred charges and accrued income | 490/1 | €379 | €0 | -€379 | -100% |
| Total equity and liabilities | 10/49 | €32,935 | €35,523 | +€2,588 | +7.9% |
| Equity | 10/15 | €16,909 | €29,285 | +€12,376 | +73.2% |
| Contributions | 10/11 | €2,500 | €2,500 | = | 0.0% |
| Reserves | 13 | €14,409 | €26,785 | +€12,376 | +85.9% |
| Distributable reserves | 133 | €14,409 | €26,785 | +€12,376 | +85.9% |
| Amounts payable | 17/49 | €16,026 | €6,238 | -€9,788 | -61.1% |
| Amounts payable within one year | 42/48 | €16,026 | €5,785 | -€10,241 | -63.9% |
| Trade debts | 44 | €7,266 | €195 | -€7,072 | -97.3% |
| Suppliers | 440/4 | €7,266 | €195 | -€7,072 | -97.3% |
| Taxes, remuneration and social security | 45 | €7,067 | €3,898 | -€3,169 | -44.8% |
| Taxes | 450/3 | €4,467 | €1,298 | -€3,169 | -70.9% |
| Remuneration and social security | 454/9 | €2,600 | €2,600 | = | 0.0% |
| Other amounts payable | 47/48 | €1,693 | €1,693 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | - | €453 | +€453 | |
| Other operating charges | 640/8 | €241 | €452 | +€210 | +87.2% |
| Gross operating margin | 9900 | €18,677 | €17,116 | -€1,561 | -8.4% |
| Operating profit (loss) | 9901 | €18,436 | €16,664 | -€1,772 | -9.6% |
| Financial income | 75/76B | €9 | €0 | -€9 | -99.8% |
| Recurring financial income | 75 | €9 | €0 | -€9 | -99.8% |
| Financial charges | 65/66B | €8 | €297 | +€288 | +3,449% |
| Recurring financial charges | 65 | €8 | €297 | +€288 | +3,449% |
| Profit (loss) for the period before taxes | 9903 | €18,437 | €16,368 | -€2,069 | -11.2% |
| Income taxes | 67/77 | €4,027 | €3,992 | -€36 | -0.9% |
| Profit (loss) for the period | 9904 | €14,409 | €12,376 | -€2,033 | -14.1% |
| Profit (loss) for the period to be appropriated | 9905 | €14,409 | €12,376 | -€2,033 | -14.1% |
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 16 October 2026 via checked.be.