IPClearingHouse: 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.
IPClearingHouse
Largest movements
- Receivables within one year +€81,620
up €81,620 (+781%), from €10,448 to €92,067
of which Trade receivables: +€81,220
- Reserves +€84,800
up €84,800 (+84.1%), from €100,890 to €185,690
- Gross operating margin -€22,237
down €22,237 (-14.9%), from €149,245 to €127,008
- Taxes -€8,124
down €8,124 (-18.9%), from €43,090 to €34,966
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 | €141,957 | €223,432 | +€81,475 | +57.4% |
| Fixed assets | 21/28 | €3,198 | €1,341 | -€1,856 | -58.1% |
| Tangible fixed assets | 22/27 | €2,818 | €961 | -€1,856 | -65.9% |
| Furniture and vehicles | 24 | €2,818 | €961 | -€1,856 | -65.9% |
| Financial fixed assets | 28 | €380 | €380 | = | 0.0% |
| Current assets | 29/58 | €138,760 | €222,091 | +€83,331 | +60.1% |
| Amounts receivable within one year | 40/41 | €10,448 | €92,067 | +€81,620 | +781% |
| Trade receivables | 40 | €814 | €82,033 | +€81,220 | +9,983% |
| Other amounts receivable | 41 | €9,634 | €10,034 | +€400 | +4.2% |
| Cash at bank and in hand | 54/58 | €126,250 | €127,771 | +€1,521 | +1.2% |
| Deferred charges and accrued income | 490/1 | €2,062 | €2,252 | +€190 | +9.2% |
| Total equity and liabilities | 10/49 | €141,957 | €223,432 | +€81,475 | +57.4% |
| Equity | 10/15 | €108,474 | €193,280 | +€84,807 | +78.2% |
| Contributions | 10/11 | €7,200 | €7,200 | = | 0.0% |
| Reserves | 13 | €100,890 | €185,690 | +€84,800 | +84.1% |
| Distributable reserves | 133 | €100,890 | €185,690 | +€84,800 | +84.1% |
| Profit (loss) carried forward | 14 | €384 | €390 | +€7 | +1.8% |
| Amounts payable | 17/49 | €33,484 | €30,152 | -€3,332 | -10.0% |
| Amounts payable within one year | 42/48 | €33,484 | €30,152 | -€3,332 | -10.0% |
| Trade debts | 44 | €4,659 | €3,302 | -€1,356 | -29.1% |
| Suppliers | 440/4 | €4,659 | €3,302 | -€1,356 | -29.1% |
| Taxes, remuneration and social security | 45 | €27,586 | €26,781 | -€805 | -2.9% |
| Taxes | 450/3 | €27,586 | €26,781 | -€805 | -2.9% |
| Other amounts payable | 47/48 | €1,240 | €69 | -€1,171 | -94.5% |
| Remuneration, social security and pensions | 62 | €2,952 | €3,580 | +€628 | +21.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,856 | €1,856 | = | 0.0% |
| Other operating charges | 640/8 | €1,607 | €1,668 | +€60 | +3.7% |
| Gross operating margin | 9900 | €149,245 | €127,008 | -€22,237 | -14.9% |
| Operating profit (loss) | 9901 | €142,829 | €119,903 | -€22,926 | -16.1% |
| Financial income | 75/76B | €3 | - | -€3 | |
| Recurring financial income | 75 | €3 | - | -€3 | |
| Financial charges | 65/66B | €59 | €131 | +€72 | +123% |
| Recurring financial charges | 65 | €59 | €131 | +€72 | +123% |
| Profit (loss) for the period before taxes | 9903 | €142,774 | €119,773 | -€23,001 | -16.1% |
| Income taxes | 67/77 | €43,090 | €34,966 | -€8,124 | -18.9% |
| Profit (loss) for the period | 9904 | €99,684 | €84,807 | -€14,877 | -14.9% |
| Profit (loss) for the period to be appropriated | 9905 | €99,684 | €84,807 | -€14,877 | -14.9% |
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.