Finteam: 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.
Finteam
Largest movements
- Receivables within one year -€49,463
down €49,463 (-8.4%), from €586,736 to €537,273
- Cash +€34,343
up €34,343 (+1,005%), from €3,417 to €37,761
mainly Other debts (+€355,691) and Receivables within one year (+€49,463)
- Intangible fixed assets +€23,315
up €23,315 (+10.7%), from €217,290 to €240,606
- Other debts +€355,691
up €355,691 (+220%), from €161,496 to €517,187
- Profit (loss) carried forward -€269,084
down €269,084 (-86.1%), from -€312,668 to -€581,752
- Trade debts -€47,697
down €47,697 (-8.0%), from €597,652 to €549,955
- Tax, wage and social debts -€20,263
down €20,263 (-50.2%), from €40,359 to €20,096
of which Remuneration and social security: -€15,844
- Provisions -€20,000
down €20,000 (-100%), from €20,000 to €0
- Goods and materials -€181,999
down €181,999 (-31.2%), from €583,567 to €401,568
- Turnover -€157,858
down €157,858 (-17.3%), from €914,717 to €756,859
- Services and other goods +€84,188
up €84,188 (+28.8%), from €292,539 to €376,727
- Provisions -€20,000
new in 2025: -€20,000
- Financial charges -€11,136
down €11,136 (-80.1%), from €13,910 to €2,774
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 | €841,671 | €839,401 | -€2,270 | -0.3% |
| Fixed assets | 21/28 | €242,626 | €262,192 | +€19,565 | +8.1% |
| Intangible fixed assets | 21 | €217,290 | €240,606 | +€23,315 | +10.7% |
| Tangible fixed assets | 22/27 | €23,176 | €19,426 | -€3,750 | -16.2% |
| Furniture and vehicles | 24 | €1,589 | €3,441 | +€1,852 | +117% |
| Other tangible fixed assets | 26 | €21,587 | €15,985 | -€5,602 | -26.0% |
| Financial fixed assets | 28 | €2,160 | €2,160 | = | 0.0% |
| Other financial fixed assets | 284/8 | €2,160 | €2,160 | = | 0.0% |
| Amounts receivable and cash guarantees | 285/8 | €2,160 | €2,160 | = | 0.0% |
| Current assets | 29/58 | €599,044 | €577,209 | -€21,835 | -3.6% |
| Amounts receivable within one year | 40/41 | €586,736 | €537,273 | -€49,463 | -8.4% |
| Trade receivables | 40 | €586,736 | €537,273 | -€49,463 | -8.4% |
| Cash at bank and in hand | 54/58 | €3,417 | €37,761 | +€34,343 | +1,005% |
| Deferred charges and accrued income | 490/1 | €8,891 | €2,176 | -€6,715 | -75.5% |
| Total equity and liabilities | 10/49 | €841,671 | €839,401 | -€2,270 | -0.3% |
| Equity | 10/15 | €21,247 | -€247,837 | -€269,084 | |
| Contributions | 10/11 | €324,015 | €324,015 | = | 0.0% |
| Capital | 10 | €324,015 | €324,015 | = | 0.0% |
| Issued capital | 100 | €324,015 | €324,015 | = | 0.0% |
| Reserves | 13 | €9,900 | €9,900 | = | 0.0% |
| Non-distributable reserves | 130/1 | €9,900 | €9,900 | = | 0.0% |
| Legal reserve | 130 | €9,900 | €9,900 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€312,668 | -€581,752 | -€269,084 | -86.1% |
| Provisions and deferred taxes | 16 | €20,000 | €0 | -€20,000 | -100% |
| Provisions for liabilities and charges | 160/5 | €20,000 | €0 | -€20,000 | -100% |
| Other liabilities and charges | 164/5 | €20,000 | €0 | -€20,000 | -100% |
| Amounts payable | 17/49 | €800,423 | €1,087,238 | +€286,815 | +35.8% |
| Amounts payable within one year | 42/48 | €799,507 | €1,087,238 | +€287,731 | +36.0% |
| Trade debts | 44 | €597,652 | €549,955 | -€47,697 | -8.0% |
| Suppliers | 440/4 | €597,652 | €549,955 | -€47,697 | -8.0% |
| Taxes, remuneration and social security | 45 | €40,359 | €20,096 | -€20,263 | -50.2% |
| Taxes | 450/3 | €8,331 | €3,912 | -€4,419 | -53.0% |
| Remuneration and social security | 454/9 | €32,028 | €16,184 | -€15,844 | -49.5% |
| Other amounts payable | 47/48 | €161,496 | €517,187 | +€355,691 | +220% |
| Accrued charges and deferred income | 492/3 | €917 | €0 | -€917 | -100% |
| Operating income | 70/76A | €916,360 | €757,342 | -€159,018 | -17.4% |
| Turnover | 70 | €914,717 | €756,859 | -€157,858 | -17.3% |
| Other operating income | 74 | €1,643 | €483 | -€1,160 | -70.6% |
| Operating charges | 60/66A | €1,133,602 | €1,023,652 | -€109,949 | -9.7% |
| Goods for resale, raw materials and consumables | 60 | €583,567 | €401,568 | -€181,999 | -31.2% |
| Purchases | 600/8 | €583,567 | €401,568 | -€181,999 | -31.2% |
| Services and other goods | 61 | €292,539 | €376,727 | +€84,188 | +28.8% |
| Remuneration, social security and pensions | 62 | €227,292 | €230,414 | +€3,122 | +1.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €28,385 | €31,880 | +€3,495 | +12.3% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | - | -€20,000 | -€20,000 | |
| Other operating charges | 640/8 | €210 | €165 | -€46 | -21.7% |
| Non-recurring operating charges | 66A | €1,609 | €2,899 | +€1,290 | +80.2% |
| Operating profit (loss) | 9901 | -€217,242 | -€266,311 | -€49,068 | -22.6% |
| Financial income | 75/76B | €0 | €0 | -€0 | -100% |
| Recurring financial income | 75 | €0 | €0 | -€0 | -100% |
| Other financial income | 752/9 | €0 | €0 | -€0 | -100% |
| Financial charges | 65/66B | €13,910 | €2,774 | -€11,136 | -80.1% |
| Recurring financial charges | 65 | €13,910 | €2,774 | -€11,136 | -80.1% |
| Debt charges | 650 | €13,703 | €2,477 | -€11,226 | -81.9% |
| Other financial charges | 652/9 | €208 | €297 | +€89 | +42.9% |
| Profit (loss) for the period before taxes | 9903 | -€231,152 | -€269,084 | -€37,932 | -16.4% |
| Income taxes | 67/77 | €672 | €0 | -€672 | -100% |
| Taxes | 670/3 | €672 | €0 | -€672 | -100% |
| Profit (loss) for the period | 9904 | -€231,824 | -€269,084 | -€37,260 | -16.1% |
| Profit (loss) for the period to be appropriated | 9905 | -€231,824 | -€269,084 | -€37,260 | -16.1% |
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 27 October 2026 via checked.be.