Fintradvies: 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.
Fintradvies
Largest movements
- Deferred charges and accrued income +€63,878
up €63,878 (+256%), from €24,930 to €88,808
- Receivables within one year -€51,618
down €51,618 (-71.7%), from €71,946 to €20,328
of which Trade receivables: -€52,129
- Cash -€26,285
down €26,285 (-7.0%), from €374,085 to €347,800
mainly Contributions, distributions and other (-€150,000) and Deferred charges and accrued income (-€63,878)
- Tangible fixed assets -€18,219
down €18,219 (-15.7%), from €116,383 to €98,164
of which Land and buildings: -€16,058
- Intangible fixed assets -€14,330
down €14,330 (-16.0%), from €89,608 to €75,278
- Debts after one year -€44,743
down €44,743 (-33.5%), from €133,595 to €88,852
- Reserves +€14,201
up €14,201 (+5.6%), from €252,574 to €266,775
- Tax, wage and social debts -€11,423
down €11,423 (-48.8%), from €23,391 to €11,967
of which Remuneration and social security: -€11,423
- Current portion of long-term debt -€8,634
down €8,634 (-16.2%), from €53,377 to €44,743
- Gross operating margin -€18,348
down €18,348 (-4.3%), from €427,276 to €408,928
- Staff costs -€17,337
down €17,337 (-8.5%), from €204,922 to €187,585
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 | €678,395 | €631,822 | -€46,573 | -6.9% |
| Fixed assets | 21/28 | €207,435 | €174,886 | -€32,549 | -15.7% |
| Intangible fixed assets | 21 | €89,608 | €75,278 | -€14,330 | -16.0% |
| Tangible fixed assets | 22/27 | €116,383 | €98,164 | -€18,219 | -15.7% |
| Land and buildings | 22 | €96,107 | €80,049 | -€16,058 | -16.7% |
| Plant, machinery and equipment | 23 | €5,166 | €4,097 | -€1,070 | -20.7% |
| Furniture and vehicles | 24 | €15,109 | €14,018 | -€1,091 | -7.2% |
| Financial fixed assets | 28 | €1,444 | €1,444 | = | 0.0% |
| Current assets | 29/58 | €470,961 | €456,936 | -€14,025 | -3.0% |
| Amounts receivable within one year | 40/41 | €71,946 | €20,328 | -€51,618 | -71.7% |
| Trade receivables | 40 | €62,645 | €10,516 | -€52,129 | -83.2% |
| Other amounts receivable | 41 | €9,300 | €9,811 | +€511 | +5.5% |
| Cash at bank and in hand | 54/58 | €374,085 | €347,800 | -€26,285 | -7.0% |
| Deferred charges and accrued income | 490/1 | €24,930 | €88,808 | +€63,878 | +256% |
| Total equity and liabilities | 10/49 | €678,395 | €631,822 | -€46,573 | -6.9% |
| Equity | 10/15 | €297,574 | €311,775 | +€14,201 | +4.8% |
| Contributions | 10/11 | €45,000 | €45,000 | = | 0.0% |
| Reserves | 13 | €252,574 | €266,775 | +€14,201 | +5.6% |
| Distributable reserves | 133 | €252,574 | €266,775 | +€14,201 | +5.6% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €380,821 | €320,047 | -€60,774 | -16.0% |
| Amounts payable after more than one year | 17 | €133,595 | €88,852 | -€44,743 | -33.5% |
| Financial debts | 170/4 | €133,595 | €88,852 | -€44,743 | -33.5% |
| Amounts payable within one year | 42/48 | €247,226 | €231,195 | -€16,031 | -6.5% |
| Current portion of amounts payable after more than one year | 42 | €53,377 | €44,743 | -€8,634 | -16.2% |
| Financial debts | 43 | €10,864 | €10,880 | +€16 | +0.1% |
| Credit institutions | 430/8 | €166 | €166 | = | 0.0% |
| Other loans | 439 | €10,698 | €10,714 | +€16 | +0.1% |
| Trade debts | 44 | €9,537 | €13,548 | +€4,011 | +42.1% |
| Suppliers | 440/4 | €9,537 | €13,548 | +€4,011 | +42.1% |
| Taxes, remuneration and social security | 45 | €23,391 | €11,967 | -€11,423 | -48.8% |
| Taxes | 450/3 | €0 | - | = | |
| Remuneration and social security | 454/9 | €23,391 | €11,967 | -€11,423 | -48.8% |
| Other amounts payable | 47/48 | €150,057 | €150,057 | = | 0.0% |
| Remuneration, social security and pensions | 62 | €204,922 | €187,585 | -€17,337 | -8.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €42,394 | €42,671 | +€277 | +0.7% |
| Other operating charges | 640/8 | €4,507 | €3,267 | -€1,240 | -27.5% |
| Gross operating margin | 9900 | €427,276 | €408,928 | -€18,348 | -4.3% |
| Operating profit (loss) | 9901 | €175,453 | €175,404 | -€48 | 0.0% |
| Financial income | 75/76B | €1,020 | €2,035 | +€1,015 | +99.6% |
| Recurring financial income | 75 | €1,020 | €2,035 | +€1,015 | +99.6% |
| Financial charges | 65/66B | €6,087 | €4,941 | -€1,146 | -18.8% |
| Recurring financial charges | 65 | €6,087 | €4,941 | -€1,146 | -18.8% |
| Profit (loss) for the period before taxes | 9903 | €170,385 | €172,499 | +€2,114 | +1.2% |
| Income taxes | 67/77 | €8,506 | €8,298 | -€208 | -2.4% |
| Profit (loss) for the period | 9904 | €161,879 | €164,201 | +€2,322 | +1.4% |
| Profit (loss) for the period to be appropriated | 9905 | €161,879 | €164,201 | +€2,322 | +1.4% |
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 24 October 2026 via checked.be.