Fintea Management & Consulting 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.
Fintea Management & Consulting Services
Largest movements
- Receivables within one year +€363,200
up €363,200 (+124%), from €293,169 to €656,369
of which Other amounts receivable: +€363,200
- Current investments -€73,279
down €73,279 (-26.6%), from €275,548 to €202,269
- Tangible fixed assets -€26,119
down €26,119 (-2.8%), from €942,468 to €916,350
of which Land and buildings: -€26,001
- Other debts +€164,096
up €164,096 (+31.0%), from €529,517 to €693,614
- Reserves +€110,358
up €110,358 (+13.8%), from €797,277 to €907,635
of which Distributable reserves: +€110,526
- Debts after one year -€26,384
down €26,384 (-18.1%), from €145,768 to €119,384
- Financial income -€26,836
down €26,836 (-42.4%), from €63,326 to €36,491
- Gross operating margin +€14,364
up €14,364 (+8.1%), from €176,426 to €190,790
- Taxes +€3,771
up €3,771 (+12.3%), from €30,735 to €34,506
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 | €1,629,666 | €1,894,683 | +€265,016 | +16.3% |
| Fixed assets | 21/28 | €1,059,968 | €1,033,850 | -€26,119 | -2.5% |
| Tangible fixed assets | 22/27 | €942,468 | €916,350 | -€26,119 | -2.8% |
| Land and buildings | 22 | €942,350 | €916,350 | -€26,001 | -2.8% |
| Furniture and vehicles | 24 | €118 | - | -€118 | |
| Financial fixed assets | 28 | €117,500 | €117,500 | = | 0.0% |
| Current assets | 29/58 | €569,698 | €860,833 | +€291,135 | +51.1% |
| Amounts receivable within one year | 40/41 | €293,169 | €656,369 | +€363,200 | +124% |
| Trade receivables | 40 | €557 | €557 | = | 0.0% |
| Other amounts receivable | 41 | €292,613 | €655,813 | +€363,200 | +124% |
| Current investments | 50/53 | €275,548 | €202,269 | -€73,279 | -26.6% |
| Cash at bank and in hand | 54/58 | €981 | €2,195 | +€1,214 | +124% |
| Total equity and liabilities | 10/49 | €1,629,666 | €1,894,683 | +€265,016 | +16.3% |
| Equity | 10/15 | €815,877 | €926,235 | +€110,358 | +13.5% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €797,277 | €907,635 | +€110,358 | +13.8% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Tax-exempt reserves | 132 | €4,950 | €4,781 | -€169 | -3.4% |
| Distributable reserves | 133 | €790,467 | €900,994 | +€110,526 | +14.0% |
| Provisions and deferred taxes | 16 | €75,776 | €75,720 | -€56 | -0.1% |
| Provisions for liabilities and charges | 160/5 | €74,126 | €74,126 | = | 0.0% |
| Other liabilities and charges | 164/5 | €74,126 | €74,126 | = | 0.0% |
| Deferred taxes | 168 | €1,650 | €1,594 | -€56 | -3.4% |
| Amounts payable | 17/49 | €738,013 | €892,728 | +€154,715 | +21.0% |
| Amounts payable after more than one year | 17 | €145,768 | €119,384 | -€26,384 | -18.1% |
| Financial debts | 170/4 | €145,768 | €119,384 | -€26,384 | -18.1% |
| Amounts payable within one year | 42/48 | €591,335 | €771,629 | +€180,294 | +30.5% |
| Current portion of amounts payable after more than one year | 42 | €26,211 | €26,384 | +€173 | +0.7% |
| Trade debts | 44 | €10,950 | €11,373 | +€422 | +3.9% |
| Suppliers | 440/4 | €10,950 | €11,373 | +€422 | +3.9% |
| Taxes, remuneration and social security | 45 | €24,656 | €40,259 | +€15,603 | +63.3% |
| Taxes | 450/3 | €22,456 | €37,559 | +€15,103 | +67.3% |
| Remuneration and social security | 454/9 | €2,200 | €2,700 | +€500 | +22.7% |
| Other amounts payable | 47/48 | €529,517 | €693,614 | +€164,096 | +31.0% |
| Accrued charges and deferred income | 492/3 | €910 | €1,715 | +€805 | +88.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €26,472 | €26,119 | -€354 | -1.3% |
| Other operating charges | 640/8 | €8,851 | €8,062 | -€789 | -8.9% |
| Gross operating margin | 9900 | €176,426 | €190,790 | +€14,364 | +8.1% |
| Operating profit (loss) | 9901 | €141,103 | €156,610 | +€15,506 | +11.0% |
| Financial income | 75/76B | €63,326 | €36,491 | -€26,836 | -42.4% |
| Recurring financial income | 75 | €63,326 | €36,491 | -€26,836 | -42.4% |
| Financial charges | 65/66B | €47,273 | €48,293 | +€1,020 | +2.2% |
| Recurring financial charges | 65 | €47,273 | €48,293 | +€1,020 | +2.2% |
| Profit (loss) for the period before taxes | 9903 | €157,157 | €144,807 | -€12,350 | -7.9% |
| Transfer from deferred taxes | 780 | €56 | €56 | = | 0.0% |
| Income taxes | 67/77 | €30,735 | €34,506 | +€3,771 | +12.3% |
| Profit (loss) for the period | 9904 | €126,478 | €110,358 | -€16,120 | -12.7% |
| Transfer from tax-exempt reserves | 789 | €169 | €169 | = | 0.0% |
| Profit (loss) for the period to be appropriated | 9905 | €126,647 | €110,526 | -€16,120 | -12.7% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 25 October 2026 via checked.be.