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FIPOS: 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.

What changed

FIPOS

BE 0769.353.718
NACE 64.190, Financial service activities, except insurance and pension funding
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€71,376
2024 · -€93,265+€21,890
Equity
-€128,489
2024 · -€57,113-€71,376
Cash
€123,982
2024 · €81,963+€42,019
Balance sheet total
€479,757
2024 · €302,484+€177,273

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€106,168

    up €106,168 (+185.9%), from €57,107 to €163,275

    of which Trade receivables: +€105,300

  • Cash +€42,019

    up €42,019 (+51.3%), from €81,963 to €123,982

    mainly Trade debts (+€173,738) and Other debts (+€74,910)

  • Intangible fixed assets +€27,801

    up €27,801 (+18.8%), from €148,202 to €176,003

  • Financial fixed assets +€8,500

    up €8,500 (+201.1%), from €4,226 to €12,726

  • Deferred charges and accrued income -€6,772

    down €6,772 (-69.8%), from €9,699 to €2,928

Equity and liabilities
  • Trade debts +€173,738

    up €173,738 (+97.3%), from €178,644 to €352,383

  • Other debts +€74,910

    up €74,910 (+41.4%), from €180,952 to €255,863

  • Profit (loss) carried forward -€71,376

    down €71,376 (-36.4%), from -€196,008 to -€267,384

Income statement
  • Gross operating margin +€32,363

    up €32,363 (+50.1%), from -€64,565 to -€32,202

  • Write-downs +€9,381

    new in 2025: €9,381

  • Other operating charges +€668

    up €668 (+172.5%), from €387 to €1,055

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 -€93,265
Gross operating margin +€32,363
Depreciation -€399
Write-downs -€9,381
Other operating charges -€668
Financial income -€11
Financial charges -€14
Result 2025 -€71,376

Cash bridge derived

cash 2024 to 2025

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.

From operations +€106,559
Investment -€64,540
Financing €0
Cash 2024 €81,963
Net result for the year -€71,376
Depreciation +€28,682
Receivables within one year -€106,168
Deferred charges and accrued income +€6,772
Trade debts +€173,738
Other debts +€74,910
Investment in fixed assets (net) -€64,540
Cash 2025 €123,982
Every line side by side 33 lines
Line Code 2024 2025 Change %
Total assets 20/58 €302,484 €479,757 +€177,273 +58.6%
Fixed assets 21/28 €153,714 €189,572 +€35,858 +23.3%
Intangible fixed assets 21 €148,202 €176,003 +€27,801 +18.8%
Tangible fixed assets 22/27 €1,285 €842 -€443 -34.5%
Furniture and vehicles 24 €1,285 €842 -€443 -34.5%
Financial fixed assets 28 €4,226 €12,726 +€8,500 +201.1%
Current assets 29/58 €148,770 €290,185 +€141,415 +95.1%
Amounts receivable within one year 40/41 €57,107 €163,275 +€106,168 +185.9%
Trade receivables 40 €52,947 €158,246 +€105,300 +198.9%
Other amounts receivable 41 €4,161 €5,029 +€868 +20.9%
Cash at bank and in hand 54/58 €81,963 €123,982 +€42,019 +51.3%
Deferred charges and accrued income 490/1 €9,699 €2,928 -€6,772 -69.8%
Total equity and liabilities 10/49 €302,484 €479,757 +€177,273 +58.6%
Equity 10/15 -€57,113 -€128,489 -€71,376 -125.0%
Contributions 10/11 €138,895 €138,895 = 0.0%
Profit (loss) carried forward 14 -€196,008 -€267,384 -€71,376 -36.4%
Amounts payable 17/49 €359,597 €608,245 +€248,649 +69.1%
Amounts payable within one year 42/48 €359,597 €608,245 +€248,649 +69.1%
Trade debts 44 €178,644 €352,383 +€173,738 +97.3%
Suppliers 440/4 €178,644 €352,383 +€173,738 +97.3%
Other amounts payable 47/48 €180,952 €255,863 +€74,910 +41.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €28,282 €28,682 +€399 +1.4%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) 631/4 - €9,381 +€9,381
Other operating charges 640/8 €387 €1,055 +€668 +172.5%
Gross operating margin 9900 -€64,565 -€32,202 +€32,363 +50.1%
Operating profit (loss) 9901 -€93,235 -€71,320 +€21,915 +23.5%
Financial income 75/76B €16 €4 -€11 -72.1%
Recurring financial income 75 €16 €4 -€11 -72.1%
Financial charges 65/66B €46 €60 +€14 +31.4%
Recurring financial charges 65 €46 €60 +€14 +31.4%
Profit (loss) for the period before taxes 9903 -€93,265 -€71,376 +€21,890 +23.5%
Profit (loss) for the period 9904 -€93,265 -€71,376 +€21,890 +23.5%
Profit (loss) for the period to be appropriated 9905 -€93,265 -€71,376 +€21,890 +23.5%

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 29 September 2026 via checked.be.