Inter - Advies: 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.
Inter - Advies
Largest movements
- Receivables within one year +€44,515
up €44,515 (+36.0%), from €123,640 to €168,156
of which Other amounts receivable: +€36,403
- Tangible fixed assets -€43,442
down €43,442 (-14.8%), from €294,452 to €251,011
of which Furniture and vehicles: -€27,740
- Cash +€25,902
up €25,902 (+57.6%), from €44,931 to €70,833
mainly Net result for the year (+€79,947) and Depreciation (+€52,776)
- Reserves +€51,718
up €51,718 (+15.1%), from €342,353 to €394,071
of which Distributable reserves: +€51,718
- Debts after one year -€40,641
down €40,641 (-21.0%), from €193,336 to €152,696
- Tax, wage and social debts +€10,313
up €10,313 (+117%), from €8,813 to €19,125
of which Taxes: +€10,209
- Trade debts +€8,720
up €8,720 (+906%), from €963 to €9,683
- Taxes +€15,481
up €15,481 (+52.1%), from €29,729 to €45,210
- Financial income +€2,450
up €2,450 (+27.3%), from €8,989 to €11,439
- Staff costs +€2,242
up €2,242 (+7.7%), from €29,020 to €31,262
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 | €619,627 | €649,478 | +€29,851 | +4.8% |
| Fixed assets | 21/28 | €295,452 | €252,011 | -€43,442 | -14.7% |
| Tangible fixed assets | 22/27 | €294,452 | €251,011 | -€43,442 | -14.8% |
| Land and buildings | 22 | €136,267 | €125,602 | -€10,665 | -7.8% |
| Plant, machinery and equipment | 23 | €80,247 | €75,210 | -€5,037 | -6.3% |
| Furniture and vehicles | 24 | €77,939 | €50,199 | -€27,740 | -35.6% |
| Financial fixed assets | 28 | €1,000 | €1,000 | = | 0.0% |
| Current assets | 29/58 | €324,175 | €397,468 | +€73,293 | +22.6% |
| Amounts receivable after more than one year | 29 | €150,000 | €150,000 | = | 0.0% |
| Other amounts receivable | 291 | €150,000 | €150,000 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €123,640 | €168,156 | +€44,515 | +36.0% |
| Trade receivables | 40 | €672 | €8,785 | +€8,112 | +1,207% |
| Other amounts receivable | 41 | €122,968 | €159,371 | +€36,403 | +29.6% |
| Cash at bank and in hand | 54/58 | €44,931 | €70,833 | +€25,902 | +57.6% |
| Deferred charges and accrued income | 490/1 | €5,604 | €8,479 | +€2,875 | +51.3% |
| Total equity and liabilities | 10/49 | €619,627 | €649,478 | +€29,851 | +4.8% |
| Equity | 10/15 | €367,111 | €418,829 | +€51,718 | +14.1% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Reserves | 13 | €342,353 | €394,071 | +€51,718 | +15.1% |
| Tax-exempt reserves | 132 | €6,184 | €6,184 | = | 0.0% |
| Distributable reserves | 133 | €336,169 | €387,887 | +€51,718 | +15.4% |
| Profit (loss) carried forward | 14 | €6,166 | €6,166 | = | 0.0% |
| Amounts payable | 17/49 | €252,517 | €230,650 | -€21,867 | -8.7% |
| Amounts payable after more than one year | 17 | €193,336 | €152,696 | -€40,641 | -21.0% |
| Financial debts | 170/4 | €193,336 | €152,696 | -€40,641 | -21.0% |
| Amounts payable within one year | 42/48 | €59,180 | €77,954 | +€18,774 | +31.7% |
| Current portion of amounts payable after more than one year | 42 | €40,895 | €40,641 | -€255 | -0.6% |
| Financial debts | 43 | €8,509 | €8,505 | -€4 | -0.1% |
| Credit institutions | 430/8 | €8,509 | €8,505 | -€4 | -0.1% |
| Trade debts | 44 | €963 | €9,683 | +€8,720 | +906% |
| Suppliers | 440/4 | €963 | €9,683 | +€8,720 | +906% |
| Taxes, remuneration and social security | 45 | €8,813 | €19,125 | +€10,313 | +117% |
| Taxes | 450/3 | €4,697 | €14,907 | +€10,209 | +217% |
| Remuneration and social security | 454/9 | €4,115 | €4,219 | +€103 | +2.5% |
| Remuneration, social security and pensions | 62 | €29,020 | €31,262 | +€2,242 | +7.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €54,032 | €52,776 | -€1,256 | -2.3% |
| Other operating charges | 640/8 | €2,174 | €2,542 | +€368 | +16.9% |
| Non-recurring operating charges | 66A | €8,303 | €0 | -€8,303 | -100% |
| Gross operating margin | 9900 | €206,091 | €207,625 | +€1,534 | +0.7% |
| Operating profit (loss) | 9901 | €112,563 | €121,045 | +€8,483 | +7.5% |
| Financial income | 75/76B | €8,989 | €11,439 | +€2,450 | +27.3% |
| Recurring financial income | 75 | €8,989 | €11,439 | +€2,450 | +27.3% |
| Financial charges | 65/66B | €6,046 | €7,328 | +€1,282 | +21.2% |
| Recurring financial charges | 65 | €6,046 | €7,328 | +€1,282 | +21.2% |
| Profit (loss) for the period before taxes | 9903 | €115,506 | €125,157 | +€9,650 | +8.4% |
| Income taxes | 67/77 | €29,729 | €45,210 | +€15,481 | +52.1% |
| Profit (loss) for the period | 9904 | €85,777 | €79,947 | -€5,830 | -6.8% |
| Profit (loss) for the period to be appropriated | 9905 | €85,777 | €79,947 | -€5,830 | -6.8% |
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 16 October 2026 via checked.be.