Finterest: 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.
Finterest
Largest movements
- Cash -€15,389
down €15,389 (-46.0%), from €33,422 to €18,033
mainly Contributions, distributions and other (-€30,000) and Other debts (-€26,293)
- Tangible fixed assets -€14,755
down €14,755 (-31.0%), from €47,630 to €32,875
of which Furniture and vehicles: -€12,887
- Receivables within one year -€3,760
down €3,760 (-16.9%), from €22,188 to €18,428
of which Trade receivables: -€4,109
- Other debts -€26,293
down €26,293 (-75.1%), from €35,000 to €8,707
- Debts after one year -€9,149
down €9,149 (-56.3%), from €16,243 to €7,094
- Tax, wage and social debts -€2,297
down €2,297 (-19.6%), from €11,708 to €9,411
- Reserves +€2,189
up €2,189 (+6.6%), from €33,416 to €35,605
- Trade debts +€2,166
up €2,166 (+1,666%), from €130 to €2,296
- Depreciation +€9,122
up €9,122 (+162%), from €5,633 to €14,755
- Gross operating margin +€8,147
up €8,147 (+16.9%), from €48,190 to €56,337
- Financial income -€3,026
down €3,026 (-96.1%), from €3,150 to €124
- Taxes -€1,937
down €1,937 (-19.7%), from €9,809 to €7,872
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 | €105,403 | €72,384 | -€33,019 | -31.3% |
| Fixed assets | 21/28 | €47,630 | €32,875 | -€14,755 | -31.0% |
| Tangible fixed assets | 22/27 | €47,630 | €32,875 | -€14,755 | -31.0% |
| Furniture and vehicles | 24 | €34,763 | €21,876 | -€12,887 | -37.1% |
| Other tangible fixed assets | 26 | €12,867 | €10,999 | -€1,868 | -14.5% |
| Current assets | 29/58 | €57,773 | €39,509 | -€18,264 | -31.6% |
| Amounts receivable within one year | 40/41 | €22,188 | €18,428 | -€3,760 | -16.9% |
| Trade receivables | 40 | €21,999 | €17,890 | -€4,109 | -18.7% |
| Other amounts receivable | 41 | €189 | €538 | +€349 | +185% |
| Cash at bank and in hand | 54/58 | €33,422 | €18,033 | -€15,389 | -46.0% |
| Deferred charges and accrued income | 490/1 | €2,163 | €3,048 | +€885 | +40.9% |
| Total equity and liabilities | 10/49 | €105,403 | €72,384 | -€33,019 | -31.3% |
| Equity | 10/15 | €33,516 | €35,705 | +€2,189 | +6.5% |
| Contributions | 10/11 | €100 | €100 | = | 0.0% |
| Reserves | 13 | €33,416 | €35,605 | +€2,189 | +6.6% |
| Distributable reserves | 133 | €33,416 | €35,605 | +€2,189 | +6.6% |
| Amounts payable | 17/49 | €71,887 | €36,679 | -€35,208 | -49.0% |
| Amounts payable after more than one year | 17 | €16,243 | €7,094 | -€9,149 | -56.3% |
| Financial debts | 170/4 | €16,243 | €7,094 | -€9,149 | -56.3% |
| Amounts payable within one year | 42/48 | €55,644 | €29,563 | -€26,081 | -46.9% |
| Current portion of amounts payable after more than one year | 42 | €8,806 | €9,149 | +€343 | +3.9% |
| Trade debts | 44 | €130 | €2,296 | +€2,166 | +1,666% |
| Suppliers | 440/4 | €130 | €2,296 | +€2,166 | +1,666% |
| Taxes, remuneration and social security | 45 | €11,708 | €9,411 | -€2,297 | -19.6% |
| Taxes | 450/3 | €11,708 | €9,411 | -€2,297 | -19.6% |
| Other amounts payable | 47/48 | €35,000 | €8,707 | -€26,293 | -75.1% |
| Accrued charges and deferred income | 492/3 | - | €22 | +€22 | |
| Non-recurring operating income | 76A | €2,582 | - | -€2,582 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,633 | €14,755 | +€9,122 | +162% |
| Other operating charges | 640/8 | €954 | €719 | -€235 | -24.6% |
| Gross operating margin | 9900 | €48,190 | €56,337 | +€8,147 | +16.9% |
| Operating profit (loss) | 9901 | €41,603 | €40,863 | -€740 | -1.8% |
| Financial income | 75/76B | €3,150 | €124 | -€3,026 | -96.1% |
| Recurring financial income | 75 | €3,150 | €124 | -€3,026 | -96.1% |
| Financial charges | 65/66B | €657 | €926 | +€269 | +40.9% |
| Recurring financial charges | 65 | €657 | €926 | +€269 | +40.9% |
| Profit (loss) for the period before taxes | 9903 | €44,096 | €40,061 | -€4,035 | -9.2% |
| Income taxes | 67/77 | €9,809 | €7,872 | -€1,937 | -19.7% |
| Profit (loss) for the period | 9904 | €34,287 | €32,189 | -€2,098 | -6.1% |
| Profit (loss) for the period to be appropriated | 9905 | €34,287 | €32,189 | -€2,098 | -6.1% |
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 31 October 2026 via checked.be.