INTEGRATED FINANCE SERVICES: 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.
INTEGRATED FINANCE SERVICES
Largest movements
- Receivables within one year +€5,502
up €5,502 (+254%), from €2,166 to €7,668
of which Trade receivables: +€3,876
- Cash -€4,109
down €4,109 (-8.3%), from €49,537 to €45,428
mainly Receivables within one year (-€5,502) and Tax, wage and social debts (-€1,103)
- Deferred charges and accrued income +€754
up €754 (+75.1%), from €1,004 to €1,759
- Profit (loss) carried forward +€2,960
up €2,960 (+24.4%), from -€12,132 to -€9,172
- Tax, wage and social debts -€1,103
no longer reported in 2025 (was €1,103)
- Gross operating margin +€10,015
up €10,015, from -€5,324 to €4,691
- Financial charges -€161
down €161 (-47.0%), from €343 to €182
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 | €55,064 | €57,212 | +€2,148 | +3.9% |
| Fixed assets | 21/28 | €2,356 | €2,356 | = | 0.0% |
| Financial fixed assets | 28 | €2,356 | €2,356 | = | 0.0% |
| Current assets | 29/58 | €52,707 | €54,855 | +€2,148 | +4.1% |
| Amounts receivable within one year | 40/41 | €2,166 | €7,668 | +€5,502 | +254% |
| Trade receivables | 40 | - | €3,876 | +€3,876 | |
| Other amounts receivable | 41 | €2,166 | €3,792 | +€1,626 | +75.1% |
| Cash at bank and in hand | 54/58 | €49,537 | €45,428 | -€4,109 | -8.3% |
| Deferred charges and accrued income | 490/1 | €1,004 | €1,759 | +€754 | +75.1% |
| Total equity and liabilities | 10/49 | €55,064 | €57,212 | +€2,148 | +3.9% |
| Equity | 10/15 | €8,557 | €11,846 | +€3,289 | +38.4% |
| Contributions | 10/11 | €18,749 | €18,749 | = | 0.0% |
| Reserves | 13 | €1,940 | €2,269 | +€329 | +17.0% |
| Distributable reserves | 133 | €1,940 | €2,269 | +€329 | +17.0% |
| Profit (loss) carried forward | 14 | -€12,132 | -€9,172 | +€2,960 | +24.4% |
| Amounts payable | 17/49 | €46,507 | €45,366 | -€1,141 | -2.5% |
| Amounts payable within one year | 42/48 | €46,507 | €45,366 | -€1,141 | -2.5% |
| Taxes, remuneration and social security | 45 | €1,103 | - | -€1,103 | |
| Taxes | 450/3 | €1,103 | - | -€1,103 | |
| Other amounts payable | 47/48 | €45,404 | €45,366 | -€39 | -0.1% |
| Non-recurring operating income | 76A | €1,444 | €2,442 | +€998 | +69.1% |
| Other operating charges | 640/8 | €752 | €746 | -€7 | -0.9% |
| Non-recurring operating charges | 66A | - | €480 | +€480 | |
| Gross operating margin | 9900 | -€5,324 | €4,691 | +€10,015 | |
| Operating profit (loss) | 9901 | -€6,076 | €3,465 | +€9,541 | |
| Financial income | 75/76B | €0 | €6 | +€6 | +19,800% |
| Recurring financial income | 75 | €0 | €6 | +€6 | +19,800% |
| Financial charges | 65/66B | €343 | €182 | -€161 | -47.0% |
| Recurring financial charges | 65 | €343 | €182 | -€161 | -47.0% |
| Profit (loss) for the period before taxes | 9903 | -€6,419 | €3,289 | +€9,708 | |
| Profit (loss) for the period | 9904 | -€6,419 | €3,289 | +€9,708 | |
| Profit (loss) for the period to be appropriated | 9905 | -€6,419 | €3,289 | +€9,708 |
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 20 October 2026 via checked.be.