Finter: 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.
Finter
Largest movements
- Cash -€40,561
down €40,561 (-57.7%), from €70,276 to €29,716
mainly Contributions, distributions and other (-€120,300) and Tax, wage and social debts (-€11,149)
- Deferred charges and accrued income -€5,359
down €5,359 (-40.8%), from €13,146 to €7,787
- Reserves -€74,858
down €74,858 (-99.9%), from €74,914 to €56
- Other debts +€45,395
up €45,395 (+995514.0%), from €5 to €45,400
- Tax, wage and social debts -€11,149
down €11,149 (-81.0%), from €13,770 to €2,621
- Trade debts -€4,169
down €4,169 (-76.3%), from €5,465 to €1,297
- Gross operating margin +€22,862
up €22,862 (+59.7%), from €38,323 to €61,185
- Taxes +€4,339
up €4,339 (+54.8%), from €7,911 to €12,250
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 | €95,654 | €50,874 | -€44,780 | -46.8% |
| Fixed assets | 21/28 | €918 | €1,313 | +€395 | +43.1% |
| Tangible fixed assets | 22/27 | €918 | €1,313 | +€395 | +43.1% |
| Furniture and vehicles | 24 | €918 | €1,313 | +€395 | +43.1% |
| Current assets | 29/58 | €94,736 | €49,561 | -€45,175 | -47.7% |
| Amounts receivable within one year | 40/41 | €11,314 | €12,058 | +€745 | +6.6% |
| Trade receivables | 40 | €11,314 | €11,616 | +€303 | +2.7% |
| Other amounts receivable | 41 | - | €442 | +€442 | |
| Cash at bank and in hand | 54/58 | €70,276 | €29,716 | -€40,561 | -57.7% |
| Deferred charges and accrued income | 490/1 | €13,146 | €7,787 | -€5,359 | -40.8% |
| Total equity and liabilities | 10/49 | €95,654 | €50,874 | -€44,780 | -46.8% |
| Equity | 10/15 | €76,414 | €1,556 | -€74,858 | -98.0% |
| Contributions | 10/11 | €1,500 | €1,500 | = | 0.0% |
| Reserves | 13 | €74,914 | €56 | -€74,858 | -99.9% |
| Distributable reserves | 133 | €74,914 | €56 | -€74,858 | -99.9% |
| Profit (loss) carried forward | 14 | - | €0 | = | |
| Amounts payable | 17/49 | €19,240 | €49,318 | +€30,078 | +156.3% |
| Amounts payable within one year | 42/48 | €19,240 | €49,318 | +€30,078 | +156.3% |
| Trade debts | 44 | €5,465 | €1,297 | -€4,169 | -76.3% |
| Suppliers | 440/4 | €5,465 | €1,297 | -€4,169 | -76.3% |
| Taxes, remuneration and social security | 45 | €13,770 | €2,621 | -€11,149 | -81.0% |
| Taxes | 450/3 | €13,770 | €2,621 | -€11,149 | -81.0% |
| Other amounts payable | 47/48 | €5 | €45,400 | +€45,395 | +995514.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €936 | €1,251 | +€315 | +33.6% |
| Other operating charges | 640/8 | €836 | €705 | -€131 | -15.7% |
| Gross operating margin | 9900 | €38,323 | €61,185 | +€22,862 | +59.7% |
| Operating profit (loss) | 9901 | €36,551 | €59,228 | +€22,678 | +62.0% |
| Financial charges | 65/66B | €1,869 | €1,536 | -€333 | -17.8% |
| Recurring financial charges | 65 | €1,869 | €1,536 | -€333 | -17.8% |
| Profit (loss) for the period before taxes | 9903 | €34,681 | €57,692 | +€23,011 | +66.3% |
| Income taxes | 67/77 | €7,911 | €12,250 | +€4,339 | +54.8% |
| Profit (loss) for the period | 9904 | €26,770 | €45,442 | +€18,672 | +69.7% |
| Profit (loss) for the period to be appropriated | 9905 | €26,770 | €45,442 | +€18,672 | +69.7% |
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 28 September 2026 via checked.be.