FINTERIO: 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.
FINTERIO
Largest movements
- Receivables within one year -€86,456
down €86,456 (-29.2%), from €296,305 to €209,849
- Stocks and contracts +€44,933
up €44,933 (+3.2%), from €1.4m to €1.4m
- Cash +€36,928
up €36,928 (+8.1%), from €453,934 to €490,862
mainly Receivables within one year (+€86,456) and Net result for the year (+€27,588)
- Trade debts -€52,175
down €52,175 (-41.2%), from €126,758 to €74,583
- Reserves +€27,588
up €27,588 (+1.4%), from €1.9m to €2.0m
of which Distributable reserves: +€27,588
- Tax, wage and social debts +€27,497
up €27,497 (+53.2%), from €51,665 to €79,162
of which Taxes: +€19,378
- Gross operating margin -€61,643
down €61,643 (-22.1%), from €279,043 to €217,399
- Taxes -€16,145
down €16,145 (-60.5%), from €26,665 to €10,520
- Depreciation +€4,277
up €4,277 (+62.2%), from €6,875 to €11,152
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 | €2,172,141 | €2,175,557 | +€3,416 | +0.2% |
| Fixed assets | 21/28 | €31,712 | €40,493 | +€8,781 | +27.7% |
| Intangible fixed assets | 21 | €1,730 | €1,018 | -€712 | -41.2% |
| Tangible fixed assets | 22/27 | €16,422 | €25,915 | +€9,493 | +57.8% |
| Furniture and vehicles | 24 | €13,170 | €23,766 | +€10,596 | +80.5% |
| Other tangible fixed assets | 26 | €3,252 | €2,149 | -€1,103 | -33.9% |
| Financial fixed assets | 28 | €13,560 | €13,560 | = | 0.0% |
| Current assets | 29/58 | €2,140,429 | €2,135,064 | -€5,365 | -0.3% |
| Stocks and contracts in progress | 3 | €1,383,937 | €1,428,870 | +€44,933 | +3.2% |
| Stocks | 30/36 | €1,383,937 | €1,428,870 | +€44,933 | +3.2% |
| Amounts receivable within one year | 40/41 | €296,305 | €209,849 | -€86,456 | -29.2% |
| Trade receivables | 40 | €296,305 | €209,849 | -€86,456 | -29.2% |
| Cash at bank and in hand | 54/58 | €453,934 | €490,862 | +€36,928 | +8.1% |
| Deferred charges and accrued income | 490/1 | €6,253 | €5,483 | -€771 | -12.3% |
| Total equity and liabilities | 10/49 | €2,172,141 | €2,175,557 | +€3,416 | +0.2% |
| Equity | 10/15 | €1,993,531 | €2,021,119 | +€27,588 | +1.4% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €1,931,531 | €1,959,119 | +€27,588 | +1.4% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Distributable reserves | 133 | €1,925,331 | €1,952,919 | +€27,588 | +1.4% |
| Amounts payable | 17/49 | €178,610 | €154,438 | -€24,172 | -13.5% |
| Amounts payable within one year | 42/48 | €178,610 | €154,036 | -€24,574 | -13.8% |
| Trade debts | 44 | €126,758 | €74,583 | -€52,175 | -41.2% |
| Suppliers | 440/4 | €126,758 | €74,583 | -€52,175 | -41.2% |
| Taxes, remuneration and social security | 45 | €51,665 | €79,162 | +€27,497 | +53.2% |
| Taxes | 450/3 | €38,050 | €57,429 | +€19,378 | +50.9% |
| Remuneration and social security | 454/9 | €13,615 | €21,733 | +€8,118 | +59.6% |
| Other amounts payable | 47/48 | €186 | €291 | +€105 | +56.1% |
| Accrued charges and deferred income | 492/3 | - | €402 | +€402 | |
| Remuneration, social security and pensions | 62 | €140,026 | €139,200 | -€826 | -0.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €6,875 | €11,152 | +€4,277 | +62.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | - | €274 | +€274 | |
| Other operating charges | 640/8 | €2,344 | €2,710 | +€366 | +15.6% |
| Gross operating margin | 9900 | €279,043 | €217,399 | -€61,643 | -22.1% |
| Operating profit (loss) | 9901 | €129,798 | €64,064 | -€65,734 | -50.6% |
| Financial income | 75/76B | €146 | €0 | -€146 | -100.0% |
| Recurring financial income | 75 | €146 | €0 | -€146 | -100.0% |
| Financial charges | 65/66B | €26,756 | €25,956 | -€800 | -3.0% |
| Recurring financial charges | 65 | €26,756 | €25,956 | -€800 | -3.0% |
| Profit (loss) for the period before taxes | 9903 | €103,188 | €38,107 | -€65,081 | -63.1% |
| Income taxes | 67/77 | €26,665 | €10,520 | -€16,145 | -60.5% |
| Profit (loss) for the period | 9904 | €76,523 | €27,588 | -€48,936 | -63.9% |
| Profit (loss) for the period to be appropriated | 9905 | €76,523 | €27,588 | -€48,936 | -63.9% |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 11 October 2026 via checked.be.