FINTOVY: 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.
FINTOVY
Largest movements
- Cash -€26,963
down €26,963 (-27.4%), from €98,523 to €71,560
mainly Contributions, distributions and other (-€55,015) and Current investments (-€20,000)
- Current investments +€20,000
up €20,000 (+20.0%), from €100,000 to €120,000
- Receivables within one year +€4,502
up €4,502, from €0 to €4,502
- Other debts -€13,065
down €13,065 (-22.5%), from €58,177 to €45,112
- Reserves +€9,238
up €9,238 (+8.1%), from €113,628 to €122,866
of which Distributable reserves: +€9,238
- Staff costs -€8,206
down €8,206 (-29.6%), from €27,700 to €19,494
- Financial income +€6,854
new in 2025: €6,854
- Turnover +€5,450
up €5,450 (+3.0%), from €181,550 to €187,000
- Purchases and services +€4,778
up €4,778 (+5.4%), from €88,555 to €93,333
- Taxes +€3,315
up €3,315 (+25.6%), from €12,934 to €16,250
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 | €198,523 | €196,062 | -€2,461 | -1.2% |
| Current assets | 29/58 | €198,523 | €196,062 | -€2,461 | -1.2% |
| Amounts receivable within one year | 40/41 | €0 | €4,502 | +€4,502 | |
| Trade receivables | 40 | €0 | €4,502 | +€4,502 | |
| Current investments | 50/53 | €100,000 | €120,000 | +€20,000 | +20.0% |
| Cash at bank and in hand | 54/58 | €98,523 | €71,560 | -€26,963 | -27.4% |
| Total equity and liabilities | 10/49 | €198,523 | €196,062 | -€2,461 | -1.2% |
| Equity | 10/15 | €116,628 | €125,866 | +€9,238 | +7.9% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Reserves | 13 | €113,628 | €122,866 | +€9,238 | +8.1% |
| Non-distributable reserves | 130/1 | €300 | €300 | = | 0.0% |
| Reserves not available under the articles | 1311 | €300 | €300 | = | 0.0% |
| Distributable reserves | 133 | €113,328 | €122,566 | +€9,238 | +8.2% |
| Amounts payable | 17/49 | €81,895 | €70,196 | -€11,699 | -14.3% |
| Amounts payable within one year | 42/48 | €81,021 | €67,959 | -€13,062 | -16.1% |
| Trade debts | 44 | €0 | - | = | |
| Suppliers | 440/4 | €0 | - | = | |
| Taxes, remuneration and social security | 45 | €22,845 | €22,847 | +€3 | 0.0% |
| Taxes | 450/3 | €22,845 | €22,847 | +€3 | 0.0% |
| Other amounts payable | 47/48 | €58,177 | €45,112 | -€13,065 | -22.5% |
| Accrued charges and deferred income | 492/3 | €874 | €2,237 | +€1,363 | +155.9% |
| Turnover | 70 | €181,550 | €187,000 | +€5,450 | +3.0% |
| Goods, raw materials, services and sundry goods | 60/61 | €88,555 | €93,333 | +€4,778 | +5.4% |
| Remuneration, social security and pensions | 62 | €27,700 | €19,494 | -€8,206 | -29.6% |
| Other operating charges | 640/8 | €980 | €422 | -€558 | -56.9% |
| Gross operating margin | 9900 | €92,995 | €93,667 | +€672 | +0.7% |
| Operating profit (loss) | 9901 | €64,315 | €73,751 | +€9,436 | +14.7% |
| Financial income | 75/76B | - | €6,854 | +€6,854 | |
| Recurring financial income | 75 | - | €6,854 | +€6,854 | |
| Financial charges | 65/66B | €67 | €102 | +€35 | +52.1% |
| Recurring financial charges | 65 | €67 | €102 | +€35 | +52.1% |
| Profit (loss) for the period before taxes | 9903 | €64,248 | €80,503 | +€16,255 | +25.3% |
| Income taxes | 67/77 | €12,934 | €16,250 | +€3,315 | +25.6% |
| Profit (loss) for the period | 9904 | €51,313 | €64,253 | +€12,940 | +25.2% |
| Profit (loss) for the period to be appropriated | 9905 | €51,313 | €64,253 | +€12,940 | +25.2% |
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 7 October 2026 via checked.be.