INTER COIFF: 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 COIFF
Largest movements
- Tangible fixed assets -€5,731
down €5,731 (-16.5%), from €34,796 to €29,065
of which Land and buildings: -€5,500
- Cash -€1,060
down €1,060 (-43.1%), from €2,459 to €1,399
mainly Other debts (-€19,712) and Trade debts (-€1,938)
- Profit (loss) carried forward +€34,442
up €34,442 (+28.9%), from -€119,058 to -€84,616
- Other debts -€19,712
down €19,712 (-17.5%), from €112,614 to €92,901
- Reserves -€19,293
no longer reported in 2025 (was €19,293)
- Trade debts -€1,938
down €1,938 (-46.2%), from €4,196 to €2,258
- Gross operating margin -€8,091
down €8,091 (-15.8%), from €51,349 to €43,258
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 | €41,249 | €34,356 | -€6,893 | -16.7% |
| Fixed assets | 21/28 | €34,796 | €29,065 | -€5,731 | -16.5% |
| Tangible fixed assets | 22/27 | €34,796 | €29,065 | -€5,731 | -16.5% |
| Land and buildings | 22 | €33,000 | €27,500 | -€5,500 | -16.7% |
| Plant, machinery and equipment | 23 | €0 | €0 | = | |
| Furniture and vehicles | 24 | €0 | €0 | = | |
| Other tangible fixed assets | 26 | €1,796 | €1,565 | -€231 | -12.9% |
| Current assets | 29/58 | €6,453 | €5,291 | -€1,162 | -18.0% |
| Stocks and contracts in progress | 3 | €2,724 | €2,685 | -€39 | -1.4% |
| Stocks | 30/36 | €2,724 | €2,685 | -€39 | -1.4% |
| Cash at bank and in hand | 54/58 | €2,459 | €1,399 | -€1,060 | -43.1% |
| Deferred charges and accrued income | 490/1 | €1,270 | €1,208 | -€62 | -4.9% |
| Total equity and liabilities | 10/49 | €41,249 | €34,356 | -€6,893 | -16.7% |
| Equity | 10/15 | -€81,164 | -€66,016 | +€15,148 | +18.7% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €19,293 | - | -€19,293 | |
| Distributable reserves | 133 | €19,293 | - | -€19,293 | |
| Profit (loss) carried forward | 14 | -€119,058 | -€84,616 | +€34,442 | +28.9% |
| Amounts payable | 17/49 | €122,414 | €100,372 | -€22,041 | -18.0% |
| Amounts payable within one year | 42/48 | €122,414 | €100,372 | -€22,041 | -18.0% |
| Trade debts | 44 | €4,196 | €2,258 | -€1,938 | -46.2% |
| Suppliers | 440/4 | €4,196 | €2,258 | -€1,938 | -46.2% |
| Taxes, remuneration and social security | 45 | €5,604 | €5,213 | -€391 | -7.0% |
| Taxes | 450/3 | €3,693 | €3,884 | +€191 | +5.2% |
| Remuneration and social security | 454/9 | €1,911 | €1,329 | -€582 | -30.5% |
| Other amounts payable | 47/48 | €112,614 | €92,901 | -€19,712 | -17.5% |
| Remuneration, social security and pensions | 62 | €18,699 | €19,040 | +€341 | +1.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,731 | €5,731 | = | 0.0% |
| Other operating charges | 640/8 | €1,556 | €1,263 | -€293 | -18.8% |
| Gross operating margin | 9900 | €51,349 | €43,258 | -€8,091 | -15.8% |
| Operating profit (loss) | 9901 | €25,363 | €17,224 | -€8,139 | -32.1% |
| Financial charges | 65/66B | €1,898 | €1,700 | -€198 | -10.4% |
| Recurring financial charges | 65 | €1,898 | €1,700 | -€198 | -10.4% |
| Profit (loss) for the period before taxes | 9903 | €23,465 | €15,524 | -€7,941 | -33.8% |
| Income taxes | 67/77 | €321 | €376 | +€55 | +17.0% |
| Profit (loss) for the period | 9904 | €23,144 | €15,148 | -€7,995 | -34.5% |
| Profit (loss) for the period to be appropriated | 9905 | €23,144 | €15,148 | -€7,995 | -34.5% |
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 14 October 2026 via checked.be.