Lendit: what changed
Two fiscal 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.
Lendit
Largest movements
- Receivables within one year -€253,581
down €253,581 (-5.5%), from €4.6m to €4.3m
of which Other amounts receivable: -€252,310
- Profit (loss) carried forward -€119,100
down €119,100 (-61.0%), from -€195,232 to -€314,332
- Provisions -€110,000
no longer reported in 2025 (was €110,000)
- Financial income -€1.5m
down €1.5m (-95.4%), from €1.6m to €71,890
- Provisions -€110,000
new in 2025: -€110,000
- Gross operating margin -€9,850
down €9,850 (-58.6%), from -€16,803 to -€26,654
- Staff costs -€3,656
down €3,656 (-95.7%), from €3,820 to €163
- Depreciation -€483
no longer reported in 2025 (was €483)
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.
Cash bridge derived
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 | €7,763,964 | €7,571,000 | -€192,964 | -2.5% |
| Fixed assets | 21/28 | €49,639 | €49,639 | = | 0.0% |
| Financial fixed assets | 28 | €49,639 | €49,639 | = | 0.0% |
| Current assets | 29/58 | €7,714,325 | €7,521,361 | -€192,964 | -2.5% |
| Amounts receivable within one year | 40/41 | €4,576,654 | €4,323,073 | -€253,581 | -5.5% |
| Trade receivables | 40 | €221,271 | €220,000 | -€1,271 | -0.6% |
| Other amounts receivable | 41 | €4,355,383 | €4,103,073 | -€252,310 | -5.8% |
| Cash at bank and in hand | 54/58 | €5,669 | - | -€5,669 | |
| Deferred charges and accrued income | 490/1 | €3,132,002 | €3,198,288 | +€66,286 | +2.1% |
| Total equity and liabilities | 10/49 | €7,763,964 | €7,571,000 | -€192,964 | -2.5% |
| Equity | 10/15 | €464,768 | €345,668 | -€119,100 | -25.6% |
| Contributions | 10/11 | €600,000 | €600,000 | = | 0.0% |
| Capital | 10 | €600,000 | €600,000 | = | 0.0% |
| Issued capital | 100 | €600,000 | €600,000 | = | 0.0% |
| Reserves | 13 | €60,000 | €60,000 | = | 0.0% |
| Non-distributable reserves | 130/1 | €60,000 | €60,000 | = | 0.0% |
| Legal reserve | 130 | €60,000 | €60,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€195,232 | -€314,332 | -€119,100 | -61.0% |
| Provisions and deferred taxes | 16 | €110,000 | - | -€110,000 | |
| Provisions for liabilities and charges | 160/5 | €110,000 | - | -€110,000 | |
| Other liabilities and charges | 164/5 | €110,000 | - | -€110,000 | |
| Amounts payable | 17/49 | €7,189,196 | €7,225,332 | +€36,136 | +0.5% |
| Amounts payable after more than one year | 17 | €7,065,000 | €7,065,000 | = | 0.0% |
| Other amounts payable | 178/9 | €7,065,000 | €7,065,000 | = | 0.0% |
| Amounts payable within one year | 42/48 | €124,196 | €159,334 | +€35,137 | +28.3% |
| Trade debts | 44 | €1,165 | - | -€1,165 | |
| Suppliers | 440/4 | €1,165 | - | -€1,165 | |
| Taxes, remuneration and social security | 45 | €697 | - | -€697 | |
| Remuneration and social security | 454/9 | €697 | - | -€697 | |
| Other amounts payable | 47/48 | €122,334 | €159,334 | +€37,000 | +30.2% |
| Accrued charges and deferred income | 492/3 | - | €998 | +€998 | |
| Remuneration, social security and pensions | 62 | €3,820 | €163 | -€3,656 | -95.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €483 | - | -€483 | |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | - | -€110,000 | -€110,000 | |
| Other operating charges | 640/8 | €968 | €998 | +€31 | +3.2% |
| Non-recurring operating charges | 66A | €1,583,923 | €273,149 | -€1.3m | -82.8% |
| Gross operating margin | 9900 | -€16,803 | -€26,654 | -€9,850 | -58.6% |
| Operating profit (loss) | 9901 | -€1,605,996 | -€190,964 | +€1.4m | +88.1% |
| Financial income | 75/76B | €1,579,890 | €71,890 | -€1.5m | -95.4% |
| Recurring financial income | 75 | €1,579,890 | €71,890 | -€1.5m | -95.4% |
| Financial charges | 65/66B | €57 | €29 | -€28 | -49.0% |
| Recurring financial charges | 65 | €57 | €29 | -€28 | -49.0% |
| Profit (loss) for the period before taxes | 9903 | -€26,163 | -€119,104 | -€92,940 | -355.2% |
| Income taxes | 67/77 | €14 | -€4 | -€18 | |
| Profit (loss) for the period | 9904 | -€26,177 | -€119,100 | -€92,923 | -355.0% |
| Profit (loss) for the period to be appropriated | 9905 | -€26,177 | -€119,100 | -€92,923 | -355.0% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 2 October 2026 via checked.be.