FINTECH TRIBE: 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.
FINTECH TRIBE
Largest movements
- Receivables within one year -€4,253
down €4,253 (-45.9%), from €9,259 to €5,006
of which Trade receivables: -€6,893
- Cash -€444
down €444 (-45.1%), from €984 to €540
mainly Net result for the year (-€5,097) and Trade debts (-€244)
- Profit (loss) carried forward -€5,097
down €5,097 (-80.5%), from €6,329 to €1,232
- Other debts +€677
up €677 (+150.3%), from €450 to €1,127
- Trade debts -€244
down €244 (-47.7%), from €511 to €267
- Gross operating margin -€15,758
down €15,758, from €8,835 to -€6,922
- Taxes -€5,000
down €5,000, from €2,500 to -€2,500
- Other operating charges -€1,557
down €1,557 (-78.9%), from €1,972 to €415
- Depreciation -€808
down €808 (-100.0%), from €808 to €0
- Financial charges -€317
down €317 (-55.0%), from €577 to €260
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 | €10,291 | €5,626 | -€4,664 | -45.3% |
| Fixed assets | 21/28 | €0 | - | = | |
| Tangible fixed assets | 22/27 | €0 | - | = | |
| Furniture and vehicles | 24 | €0 | - | = | |
| Current assets | 29/58 | €10,291 | €5,626 | -€4,664 | -45.3% |
| Amounts receivable within one year | 40/41 | €9,259 | €5,006 | -€4,253 | -45.9% |
| Trade receivables | 40 | €9,154 | €2,261 | -€6,893 | -75.3% |
| Other amounts receivable | 41 | €106 | €2,745 | +€2,639 | +2494.4% |
| Cash at bank and in hand | 54/58 | €984 | €540 | -€444 | -45.1% |
| Deferred charges and accrued income | 490/1 | €47 | €80 | +€33 | +70.1% |
| Total equity and liabilities | 10/49 | €10,291 | €5,626 | -€4,664 | -45.3% |
| Equity | 10/15 | €9,329 | €4,232 | -€5,097 | -54.6% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €6,329 | €1,232 | -€5,097 | -80.5% |
| Amounts payable | 17/49 | €961 | €1,394 | +€433 | +45.0% |
| Amounts payable within one year | 42/48 | €961 | €1,394 | +€433 | +45.0% |
| Trade debts | 44 | €511 | €267 | -€244 | -47.7% |
| Suppliers | 440/4 | €511 | €267 | -€244 | -47.7% |
| Taxes, remuneration and social security | 45 | €0 | - | = | |
| Taxes | 450/3 | €0 | - | = | |
| Other amounts payable | 47/48 | €450 | €1,127 | +€677 | +150.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €808 | €0 | -€808 | -100.0% |
| Other operating charges | 640/8 | €1,972 | €415 | -€1,557 | -78.9% |
| Gross operating margin | 9900 | €8,835 | -€6,922 | -€15,758 | |
| Operating profit (loss) | 9901 | €6,056 | -€7,338 | -€13,393 | |
| Financial income | 75/76B | €1 | €0 | -€1 | -100.0% |
| Recurring financial income | 75 | €1 | €0 | -€1 | -100.0% |
| Financial charges | 65/66B | €577 | €260 | -€317 | -55.0% |
| Recurring financial charges | 65 | €577 | €260 | -€317 | -55.0% |
| Profit (loss) for the period before taxes | 9903 | €5,480 | -€7,597 | -€13,077 | |
| Income taxes | 67/77 | €2,500 | -€2,500 | -€5,000 | |
| Profit (loss) for the period | 9904 | €2,980 | -€5,097 | -€8,077 | |
| Profit (loss) for the period to be appropriated | 9905 | €2,980 | -€5,097 | -€8,077 |
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 9 October 2026 via checked.be.