FINOST - FINEST: what changed
What changed
FINOST - FINEST
NACE 64.999, Other financial services
filed annual accounts (NBB)
Net result for the year
€2.7m
2024 · €2.8m-€128,613
Equity
€64.6m
2024 · €62.9m+€1.7m
Cash
€60,135
2024 · €1.1m-€1.1m
Balance sheet total
€70.0m
2024 · €69.1m+€950,577
Largest movements
Assets
- Current investments +€2.0m
up €2.0m (+62.5%), from €3.2m to €5.2m
- Cash -€1.1m
down €1.1m (-94.7%), from €1.1m to €60,135
mainly Current investments (-€2.0m) and Contributions, distributions and other (-€941,847)
Equity and liabilities
- Reserves +€1.7m
up €1.7m (+7.8%), from €21.9m to €23.6m
- Debts after one year -€716,189
down €716,189 (-16.3%), from €4.4m to €3.7m
Income statement
No income-statement line moved by more than 1% of the activity.
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€2.8m
Staff costs
-€600
Depreciation
-€497
Other operating charges
-€31
Other operating items
+€16,547
Financial income
-€146,826
Financial charges
+€2,794
Result 2025
€2.7m
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€2.6m
Investment
-€2.0m
Financing
-€1.7m
Cash 2024
€1.1m
From operations (derived)
+€2.6m
Net result for the year
+€2.7m
Depreciation
+€515
Receivables within one year
-€7,309
Smaller working-capital items
+€7,832
Other debts
-€59,771
Investment (derived)
-€2.0m
Investment in fixed assets (net)
-€28,000
Current investments
-€2.0m
Financing
-€1.7m
Debts after one year
-€716,189
Current portion of long-term debt
+€5,950
Contributions, distributions and other
-€941,847
Cash 2025
€60,135
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €69,054,533 | €70,005,110 | +€950,577 | +1.4% |
| Fixed assets | 21/28 | €62,964,731 | €62,992,216 | +€27,485 | 0.0% |
| Tangible fixed assets | 22/27 | €1,527 | €1,012 | -€515 | -33.7% |
| Furniture and vehicles | 24 | €1,527 | €1,012 | -€515 | -33.7% |
| Financial fixed assets | 28 | €62,963,204 | €62,991,204 | +€28,000 | 0.0% |
| Other financial fixed assets | 284/8 | €62,963,204 | €62,991,204 | +€28,000 | 0.0% |
| Shares | 284 | €62,963,204 | €62,991,204 | +€28,000 | 0.0% |
| Current assets | 29/58 | €6,089,802 | €7,012,894 | +€923,093 | +15.2% |
| Amounts receivable within one year | 40/41 | €1,744,108 | €1,751,417 | +€7,309 | +0.4% |
| Other amounts receivable | 41 | €1,744,108 | €1,751,417 | +€7,309 | +0.4% |
| Current investments | 50/53 | €3,201,328 | €5,201,342 | +€2.0m | +62.5% |
| Other investments | 51/53 | €3,201,328 | €5,201,342 | +€2.0m | +62.5% |
| Cash at bank and in hand | 54/58 | €1,144,366 | €60,135 | -€1.1m | -94.7% |
| Total equity and liabilities | 10/49 | €69,054,533 | €70,005,110 | +€950,577 | +1.4% |
| Equity | 10/15 | €62,927,161 | €64,639,917 | +€1.7m | +2.7% |
| Contributions | 10/11 | €41,016,660 | €41,016,660 | = | 0.0% |
| Reserves | 13 | €21,910,501 | €23,623,257 | +€1.7m | +7.8% |
| Distributable reserves | 133 | €21,910,501 | €23,623,257 | +€1.7m | +7.8% |
| Amounts payable | 17/49 | €6,127,372 | €5,365,193 | -€762,178 | -12.4% |
| Amounts payable after more than one year | 17 | €4,388,445 | €3,672,255 | -€716,189 | -16.3% |
| Financial debts | 170/4 | €4,388,445 | €3,672,255 | -€716,189 | -16.3% |
| Credit institutions | 173 | €4,388,445 | €3,672,255 | -€716,189 | -16.3% |
| Amounts payable within one year | 42/48 | €1,728,017 | €1,682,124 | -€45,893 | -2.7% |
| Current portion of amounts payable after more than one year | 42 | €710,239 | €716,189 | +€5,950 | +0.8% |
| Trade debts | 44 | €1,089 | €5,901 | +€4,812 | +442% |
| Suppliers | 440/4 | €1,089 | €5,901 | +€4,812 | +442% |
| Taxes, remuneration and social security | 45 | €15,070 | €18,186 | +€3,116 | +20.7% |
| Taxes | 450/3 | €10,035 | €10,563 | +€529 | +5.3% |
| Remuneration and social security | 454/9 | €5,036 | €7,623 | +€2,587 | +51.4% |
| Other amounts payable | 47/48 | €1,001,619 | €941,847 | -€59,771 | -6.0% |
| Accrued charges and deferred income | 492/3 | €10,910 | €10,815 | -€96 | -0.9% |
| Operating income | 70/76A | €641 | €402 | -€239 | -37.3% |
| Other operating income | 74 | €641 | €402 | -€239 | -37.3% |
| Operating charges | 60/66A | €156,837 | €141,180 | -€15,658 | -10.0% |
| Services and other goods | 61 | €129,734 | €112,948 | -€16,785 | -12.9% |
| Remuneration, social security and pensions | 62 | €26,118 | €26,718 | +€600 | +2.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €18 | €515 | +€497 | +2,708% |
| Other operating charges | 640/8 | €968 | €998 | +€31 | +3.2% |
| Operating profit (loss) | 9901 | -€156,196 | -€140,778 | +€15,419 | +9.9% |
| Financial income | 75/76B | €2,989,250 | €2,842,425 | -€146,826 | -4.9% |
| Recurring financial income | 75 | €2,989,250 | €2,842,425 | -€146,826 | -4.9% |
| Income from financial fixed assets | 750 | €2,892,757 | €2,743,087 | -€149,671 | -5.2% |
| Income from current assets | 751 | €96,493 | €99,338 | +€2,845 | +2.9% |
| Financial charges | 65/66B | €49,838 | €47,044 | -€2,794 | -5.6% |
| Recurring financial charges | 65 | €49,838 | €43,959 | -€5,880 | -11.8% |
| Debt charges | 650 | €48,593 | €42,698 | -€5,895 | -12.1% |
| Other financial charges | 652/9 | €1,246 | €1,261 | +€15 | +1.2% |
| Non-recurring financial charges | 66B | - | €3,086 | +€3,086 | |
| Profit (loss) for the period before taxes | 9903 | €2,783,216 | €2,654,603 | -€128,613 | -4.6% |
| Profit (loss) for the period | 9904 | €2,783,216 | €2,654,603 | -€128,613 | -4.6% |
| Profit (loss) for the period to be appropriated | 9905 | €2,783,216 | €2,654,603 | -€128,613 | -4.6% |
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 8 November 2026 via checked.be.