FinTek: 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.
FinTek
Largest movements
- Current investments +€88,568
up €88,568 (+98.4%), from €90,000 to €178,568
- Cash +€69,559
up €69,559 (+183%), from €37,940 to €107,499
mainly Net result for the year (+€154,301) and Tax, wage and social debts (+€11,775)
- Receivables within one year +€30,960
up €30,960 (+141%), from €21,994 to €52,954
of which Trade receivables: +€30,957
- Tangible fixed assets -€9,273
down €9,273 (-30.4%), from €30,471 to €21,198
of which Furniture and vehicles: -€6,056
- Deferred charges and accrued income -€5,284
down €5,284 (-7.3%), from €72,648 to €67,364
- Reserves +€153,468
up €153,468 (+94.8%), from €161,817 to €315,285
- Tax, wage and social debts +€11,775
up €11,775 (+22.5%), from €52,409 to €64,184
- Other debts +€10,170
up €10,170 (+33.0%), from €30,833 to €41,003
- Gross operating margin +€25,593
up €25,593 (+13.5%), from €189,858 to €215,451
- Taxes +€7,172
up €7,172 (+17.6%), from €40,645 to €47,818
- Depreciation +€2,162
up €2,162 (+25.4%), from €8,511 to €10,673
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 | €253,053 | €427,585 | +€174,532 | +69.0% |
| Fixed assets | 21/28 | €30,471 | €21,198 | -€9,273 | -30.4% |
| Tangible fixed assets | 22/27 | €30,471 | €21,198 | -€9,273 | -30.4% |
| Plant, machinery and equipment | 23 | - | €1,195 | +€1,195 | |
| Furniture and vehicles | 24 | €11,673 | €5,617 | -€6,056 | -51.9% |
| Other tangible fixed assets | 26 | €18,798 | €14,386 | -€4,412 | -23.5% |
| Current assets | 29/58 | €222,582 | €406,386 | +€183,804 | +82.6% |
| Amounts receivable within one year | 40/41 | €21,994 | €52,954 | +€30,960 | +141% |
| Trade receivables | 40 | €21,994 | €52,950 | +€30,957 | +141% |
| Other amounts receivable | 41 | €1 | €4 | +€4 | +500% |
| Current investments | 50/53 | €90,000 | €178,568 | +€88,568 | +98.4% |
| Cash at bank and in hand | 54/58 | €37,940 | €107,499 | +€69,559 | +183% |
| Deferred charges and accrued income | 490/1 | €72,648 | €67,364 | -€5,284 | -7.3% |
| Total equity and liabilities | 10/49 | €253,053 | €427,585 | +€174,532 | +69.0% |
| Equity | 10/15 | €166,817 | €320,285 | +€153,468 | +92.0% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €161,817 | €315,285 | +€153,468 | +94.8% |
| Distributable reserves | 133 | €161,817 | €315,285 | +€153,468 | +94.8% |
| Amounts payable | 17/49 | €86,236 | €107,300 | +€21,063 | +24.4% |
| Amounts payable within one year | 42/48 | €83,242 | €105,357 | +€22,115 | +26.6% |
| Trade debts | 44 | - | €170 | +€170 | |
| Suppliers | 440/4 | - | €170 | +€170 | |
| Taxes, remuneration and social security | 45 | €52,409 | €64,184 | +€11,775 | +22.5% |
| Taxes | 450/3 | €52,409 | €64,184 | +€11,775 | +22.5% |
| Other amounts payable | 47/48 | €30,833 | €41,003 | +€10,170 | +33.0% |
| Accrued charges and deferred income | 492/3 | €2,994 | €1,943 | -€1,051 | -35.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €8,511 | €10,673 | +€2,162 | +25.4% |
| Other operating charges | 640/8 | €1,011 | €827 | -€183 | -18.1% |
| Gross operating margin | 9900 | €189,858 | €215,451 | +€25,593 | +13.5% |
| Operating profit (loss) | 9901 | €180,337 | €203,951 | +€23,614 | +13.1% |
| Financial income | 75/76B | - | €985 | +€985 | |
| Recurring financial income | 75 | - | €985 | +€985 | |
| Financial charges | 65/66B | €2,213 | €2,817 | +€605 | +27.3% |
| Recurring financial charges | 65 | €2,213 | €2,817 | +€605 | +27.3% |
| Profit (loss) for the period before taxes | 9903 | €178,124 | €202,119 | +€23,995 | +13.5% |
| Income taxes | 67/77 | €40,645 | €47,818 | +€7,172 | +17.6% |
| Profit (loss) for the period | 9904 | €137,479 | €154,301 | +€16,822 | +12.2% |
| Profit (loss) for the period to be appropriated | 9905 | €137,479 | €154,301 | +€16,822 | +12.2% |
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 15 October 2026 via checked.be.