Fintiq: 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.
Fintiq
Largest movements
- Cash -€21,712
down €21,712 (-27.9%), from €77,865 to €56,153
mainly Provisions (-€26,776) and Receivables within one year (-€11,267)
- Receivables within one year +€11,267
up €11,267 (+58.1%), from €19,379 to €30,646
of which Other amounts receivable: +€8,320
- Tangible fixed assets -€2,514
down €2,514 (-15.5%), from €16,168 to €13,654
of which Furniture and vehicles: -€2,514
- Provisions -€26,776
no longer reported in 2025 (was €26,776)
- Reserves +€6,765
up €6,765 (+8.2%), from €82,965 to €89,730
- Tax, wage and social debts +€6,476
up €6,476 (+106.2%), from €6,100 to €12,576
of which Taxes: +€6,375
- Gross operating margin +€4,766
up €4,766 (+26.1%), from €18,273 to €23,039
- Depreciation +€2,095
up €2,095 (+63.1%), from €3,319 to €5,414
- Taxes +€1,163
up €1,163 (+35.2%), from €3,300 to €4,463
From the 31-12-2024 result to the 31-12-2025 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 31-12-2024 and 31-12-2025 balance sheets and the 31-12-2025 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 31-12-2024 | 31-12-2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €118,412 | €105,453 | -€12,959 | -10.9% |
| Fixed assets | 21/28 | €16,168 | €13,654 | -€2,514 | -15.5% |
| Tangible fixed assets | 22/27 | €16,168 | €13,654 | -€2,514 | -15.5% |
| Furniture and vehicles | 24 | €9,918 | €7,404 | -€2,514 | -25.3% |
| Other tangible fixed assets | 26 | €6,250 | €6,250 | = | 0.0% |
| Current assets | 29/58 | €102,244 | €91,799 | -€10,445 | -10.2% |
| Amounts receivable within one year | 40/41 | €19,379 | €30,646 | +€11,267 | +58.1% |
| Trade receivables | 40 | €14,399 | €17,346 | +€2,947 | +20.5% |
| Other amounts receivable | 41 | €4,980 | €13,300 | +€8,320 | +167.1% |
| Current investments | 50/53 | €5,000 | €5,000 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €77,865 | €56,153 | -€21,712 | -27.9% |
| Total equity and liabilities | 10/49 | €118,412 | €105,453 | -€12,959 | -10.9% |
| Equity | 10/15 | €84,965 | €91,730 | +€6,765 | +8.0% |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Reserves | 13 | €82,965 | €89,730 | +€6,765 | +8.2% |
| Distributable reserves | 133 | €82,965 | €89,730 | +€6,765 | +8.2% |
| Provisions and deferred taxes | 16 | €26,776 | - | -€26,776 | |
| Provisions for liabilities and charges | 160/5 | €26,776 | - | -€26,776 | |
| Taxes | 161 | €26,776 | - | -€26,776 | |
| Amounts payable | 17/49 | €6,671 | €13,723 | +€7,052 | +105.7% |
| Amounts payable within one year | 42/48 | €6,671 | €13,723 | +€7,052 | +105.7% |
| Trade debts | 44 | €571 | €1,147 | +€576 | +100.9% |
| Suppliers | 440/4 | €571 | €1,147 | +€576 | +100.9% |
| Taxes, remuneration and social security | 45 | €6,100 | €12,576 | +€6,476 | +106.2% |
| Taxes | 450/3 | €4,367 | €10,742 | +€6,375 | +146.0% |
| Remuneration and social security | 454/9 | €1,733 | €1,834 | +€101 | +5.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,319 | €5,414 | +€2,095 | +63.1% |
| Gross operating margin | 9900 | €18,273 | €23,039 | +€4,766 | +26.1% |
| Operating profit (loss) | 9901 | €14,954 | €17,625 | +€2,671 | +17.9% |
| Financial charges | 65/66B | €89 | €147 | +€58 | +65.2% |
| Recurring financial charges | 65 | €89 | €147 | +€58 | +65.2% |
| Profit (loss) for the period before taxes | 9903 | €14,865 | €17,478 | +€2,613 | +17.6% |
| Income taxes | 67/77 | €3,300 | €4,463 | +€1,163 | +35.2% |
| Profit (loss) for the period | 9904 | €11,565 | €13,015 | +€1,450 | +12.5% |
| Profit (loss) for the period to be appropriated | 9905 | €11,565 | €13,015 | +€1,450 | +12.5% |
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 3 October 2026 via checked.be.