KB Financial 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.
KB Financial Services
Largest movements
- Receivables within one year +€458,429
up €458,429 (+15,023%), from €3,052 to €461,481
of which Other amounts receivable: +€460,981
- Current investments -€250,000
down €250,000 (-100%), from €250,000 to €0
- Tangible fixed assets +€48,900
up €48,900 (+59.1%), from €82,689 to €131,589
of which Land and buildings: +€48,077
- Other debts +€566,208
up €566,208 (+6,090%), from €9,298 to €575,506
- Reserves -€285,217
down €285,217 (-100%), from €285,217 to €0
- Debts after one year -€11,178
down €11,178 (-37.4%), from €29,892 to €18,714
- Gross operating margin +€36,204
up €36,204 (+9.9%), from €364,399 to €400,603
- Financial income +€8,906
up €8,906 (+196%), from €4,545 to €13,451
- Taxes +€8,198
up €8,198 (+9.8%), from €83,410 to €91,608
- Depreciation +€5,000
up €5,000 (+22.6%), from €22,102 to €27,102
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 | €381,460 | €643,197 | +€261,737 | +68.6% |
| Fixed assets | 21/28 | €82,689 | €131,589 | +€48,900 | +59.1% |
| Tangible fixed assets | 22/27 | €82,689 | €131,589 | +€48,900 | +59.1% |
| Land and buildings | 22 | - | €48,077 | +€48,077 | |
| Furniture and vehicles | 24 | €82,689 | €83,513 | +€823 | +1.0% |
| Current assets | 29/58 | €298,771 | €511,608 | +€212,837 | +71.2% |
| Amounts receivable within one year | 40/41 | €3,052 | €461,481 | +€458,429 | +15,023% |
| Trade receivables | 40 | €3,052 | €500 | -€2,552 | -83.6% |
| Other amounts receivable | 41 | €0 | €460,981 | +€460,981 | |
| Current investments | 50/53 | €250,000 | €0 | -€250,000 | -100% |
| Cash at bank and in hand | 54/58 | €43,028 | €48,985 | +€5,957 | +13.8% |
| Deferred charges and accrued income | 490/1 | €2,691 | €1,142 | -€1,550 | -57.6% |
| Total equity and liabilities | 10/49 | €381,460 | €643,197 | +€261,737 | +68.6% |
| Equity | 10/15 | €303,817 | €18,600 | -€285,217 | -93.9% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €285,217 | €0 | -€285,217 | -100% |
| Distributable reserves | 133 | €285,217 | €0 | -€285,217 | -100% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €77,643 | €624,597 | +€546,954 | +704% |
| Amounts payable after more than one year | 17 | €29,892 | €18,714 | -€11,178 | -37.4% |
| Financial debts | 170/4 | €29,892 | €18,714 | -€11,178 | -37.4% |
| Amounts payable within one year | 42/48 | €47,267 | €605,883 | +€558,616 | +1,182% |
| Current portion of amounts payable after more than one year | 42 | €10,707 | €11,178 | +€471 | +4.4% |
| Financial debts | 43 | €3,587 | €1,827 | -€1,760 | -49.1% |
| Credit institutions | 430/8 | €3,587 | €1,827 | -€1,760 | -49.1% |
| Trade debts | 44 | €495 | €487 | -€8 | -1.7% |
| Suppliers | 440/4 | €495 | €487 | -€8 | -1.7% |
| Taxes, remuneration and social security | 45 | €23,180 | €16,886 | -€6,295 | -27.2% |
| Taxes | 450/3 | €23,180 | €16,886 | -€6,295 | -27.2% |
| Other amounts payable | 47/48 | €9,298 | €575,506 | +€566,208 | +6,090% |
| Accrued charges and deferred income | 492/3 | €484 | €0 | -€484 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €22,102 | €27,102 | +€5,000 | +22.6% |
| Other operating charges | 640/8 | €1,326 | €3,441 | +€2,115 | +159% |
| Gross operating margin | 9900 | €364,399 | €400,603 | +€36,204 | +9.9% |
| Operating profit (loss) | 9901 | €340,971 | €370,060 | +€29,088 | +8.5% |
| Financial income | 75/76B | €4,545 | €13,451 | +€8,906 | +196% |
| Recurring financial income | 75 | €4,545 | €13,451 | +€8,906 | +196% |
| Financial charges | 65/66B | €2,325 | €1,613 | -€711 | -30.6% |
| Recurring financial charges | 65 | €2,325 | €1,613 | -€711 | -30.6% |
| Profit (loss) for the period before taxes | 9903 | €343,192 | €381,897 | +€38,706 | +11.3% |
| Income taxes | 67/77 | €83,410 | €91,608 | +€8,198 | +9.8% |
| Profit (loss) for the period | 9904 | €259,781 | €290,289 | +€30,508 | +11.7% |
| Profit (loss) for the period to be appropriated | 9905 | €259,781 | €290,289 | +€30,508 | +11.7% |
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 21 October 2026 via checked.be.