FinTech Advisors: what changed
Two fiscal 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.
FinTech Advisors
Largest movements
- Cash -€538,595
down €538,595 (-96.3%), from €559,472 to €20,878
mainly Contributions, distributions and other (-€664,200) and Receivables within one year (-€74,293)
- Receivables within one year +€74,293
up €74,293 (+66.4%), from €111,969 to €186,262
of which Other amounts receivable: +€40,822
- Tangible fixed assets -€11,971
down €11,971 (-11.3%), from €105,784 to €93,814
of which Furniture and vehicles: -€13,177
- Reserves -€610,450
down €610,450 (-89.1%), from €684,950 to €74,500
- Other debts +€156,497
up €156,497 (+1738.9%), from €9,000 to €165,497
- Tax, wage and social debts -€15,830
down €15,830 (-27.0%), from €58,603 to €42,773
- Gross operating margin -€447,838
down €447,838 (-62.1%), from €721,397 to €273,559
- Write-downs +€167,100
up €167,100, from €0 to €167,100
- Taxes -€144,157
down €144,157 (-86.0%), from €167,598 to €23,441
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 | €779,262 | €302,746 | -€476,517 | -61.1% |
| Fixed assets | 21/28 | €105,784 | €93,814 | -€11,971 | -11.3% |
| Tangible fixed assets | 22/27 | €105,784 | €93,814 | -€11,971 | -11.3% |
| Plant, machinery and equipment | 23 | €3,815 | €3,433 | -€382 | -10.0% |
| Furniture and vehicles | 24 | €101,970 | €88,793 | -€13,177 | -12.9% |
| Other tangible fixed assets | 26 | - | €1,588 | +€1,588 | |
| Current assets | 29/58 | €673,478 | €208,932 | -€464,546 | -69.0% |
| Amounts receivable within one year | 40/41 | €111,969 | €186,262 | +€74,293 | +66.4% |
| Trade receivables | 40 | €102,791 | €136,262 | +€33,471 | +32.6% |
| Other amounts receivable | 41 | €9,178 | €50,000 | +€40,822 | +444.8% |
| Cash at bank and in hand | 54/58 | €559,472 | €20,878 | -€538,595 | -96.3% |
| Deferred charges and accrued income | 490/1 | €2,037 | €1,792 | -€245 | -12.0% |
| Total equity and liabilities | 10/49 | €779,262 | €302,746 | -€476,517 | -61.1% |
| Equity | 10/15 | €703,583 | €93,118 | -€610,465 | -86.8% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €684,950 | €74,500 | -€610,450 | -89.1% |
| Distributable reserves | 133 | €684,950 | €74,500 | -€610,450 | -89.1% |
| Profit (loss) carried forward | 14 | €33 | €18 | -€15 | -46.1% |
| Amounts payable | 17/49 | €75,679 | €209,628 | +€133,949 | +177.0% |
| Amounts payable within one year | 42/48 | €75,679 | €209,628 | +€133,949 | +177.0% |
| Trade debts | 44 | €8,076 | €1,357 | -€6,719 | -83.2% |
| Suppliers | 440/4 | €8,076 | €1,357 | -€6,719 | -83.2% |
| Taxes, remuneration and social security | 45 | €58,603 | €42,773 | -€15,830 | -27.0% |
| Taxes | 450/3 | €58,603 | €42,773 | -€15,830 | -27.0% |
| Other amounts payable | 47/48 | €9,000 | €165,497 | +€156,497 | +1738.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €27,500 | €30,153 | +€2,653 | +9.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €0 | €167,100 | +€167,100 | |
| Other operating charges | 640/8 | €722 | €1,490 | +€768 | +106.4% |
| Gross operating margin | 9900 | €721,397 | €273,559 | -€447,838 | -62.1% |
| Operating profit (loss) | 9901 | €693,175 | €74,816 | -€618,359 | -89.2% |
| Financial income | 75/76B | €69 | €2,822 | +€2,754 | +4008.2% |
| Recurring financial income | 75 | €69 | €2,822 | +€2,754 | +4008.2% |
| Financial charges | 65/66B | €259 | €462 | +€203 | +78.6% |
| Recurring financial charges | 65 | €259 | €462 | +€203 | +78.6% |
| Profit (loss) for the period before taxes | 9903 | €692,984 | €77,176 | -€615,809 | -88.9% |
| Income taxes | 67/77 | €167,598 | €23,441 | -€144,157 | -86.0% |
| Profit (loss) for the period | 9904 | €525,387 | €53,735 | -€471,652 | -89.8% |
| Profit (loss) for the period to be appropriated | 9905 | €525,387 | €53,735 | -€471,652 | -89.8% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 7 October 2026 via checked.be.