Life Finance: what changed
Life Finance
Largest movements
- Receivables within one year +€2,826
up €2,826 (+91.5%), from €3,090 to €5,916
of which Trade receivables: +€2,455
- Cash +€222
up €222 (+751%), from €30 to €251
mainly Tax, wage and social debts (+€7,298) and Trade debts (+€3,954)
- Tax, wage and social debts +€7,298
up €7,298 (+223%), from €3,278 to €10,577
of which Taxes: +€6,326
- Other debts -€5,066
down €5,066 (-40.5%), from €12,500 to €7,434
- Trade debts +€3,954
up €3,954 (+3.2%), from €124,092 to €128,046
- Profit (loss) carried forward -€3,139
down €3,139 (-1.5%), from -€211,119 to -€214,257
- Gross operating margin +€31,691
up €31,691, from -€3,335 to €28,356
- Staff costs +€20,462
up €20,462 (+233%), from €8,775 to €29,236
- Financial income -€6,986
no longer reported in 2025 (was €6,986)
- Other operating charges -€3,274
down €3,274 (-79.1%), from €4,141 to €866
- Financial charges +€1,210
up €1,210 (+666%), from €182 to €1,392
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €3,120 | €6,167 | +€3,048 | +97.7% |
| Current assets | 29/58 | €3,120 | €6,167 | +€3,048 | +97.7% |
| Amounts receivable within one year | 40/41 | €3,090 | €5,916 | +€2,826 | +91.5% |
| Trade receivables | 40 | - | €2,455 | +€2,455 | |
| Other amounts receivable | 41 | €3,090 | €3,461 | +€371 | +12.0% |
| Cash at bank and in hand | 54/58 | €30 | €251 | +€222 | +751% |
| Total equity and liabilities | 10/49 | €3,120 | €6,167 | +€3,048 | +97.7% |
| Equity | 10/15 | -€136,751 | -€139,889 | -€3,139 | -2.3% |
| Contributions | 10/11 | €74,368 | €74,368 | = | 0.0% |
| Capital | 10 | €74,368 | €74,368 | = | 0.0% |
| Issued capital | 100 | €74,368 | €74,368 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€211,119 | -€214,257 | -€3,139 | -1.5% |
| Amounts payable | 17/49 | €139,870 | €146,057 | +€6,186 | +4.4% |
| Amounts payable within one year | 42/48 | €139,870 | €146,057 | +€6,186 | +4.4% |
| Trade debts | 44 | €124,092 | €128,046 | +€3,954 | +3.2% |
| Suppliers | 440/4 | €124,092 | €128,046 | +€3,954 | +3.2% |
| Taxes, remuneration and social security | 45 | €3,278 | €10,577 | +€7,298 | +223% |
| Taxes | 450/3 | €83 | €6,408 | +€6,326 | +7,667% |
| Remuneration and social security | 454/9 | €3,196 | €4,169 | +€973 | +30.4% |
| Other amounts payable | 47/48 | €12,500 | €7,434 | -€5,066 | -40.5% |
| Remuneration, social security and pensions | 62 | €8,775 | €29,236 | +€20,462 | +233% |
| Other operating charges | 640/8 | €4,141 | €866 | -€3,274 | -79.1% |
| Gross operating margin | 9900 | -€3,335 | €28,356 | +€31,691 | |
| Operating profit (loss) | 9901 | -€16,251 | -€1,747 | +€14,504 | +89.3% |
| Financial income | 75/76B | €6,986 | - | -€6,986 | |
| Recurring financial income | 75 | €6,986 | - | -€6,986 | |
| Financial charges | 65/66B | €182 | €1,392 | +€1,210 | +666% |
| Recurring financial charges | 65 | €182 | €1,392 | +€1,210 | +666% |
| Profit (loss) for the period before taxes | 9903 | -€9,447 | -€3,139 | +€6,308 | +66.8% |
| Profit (loss) for the period | 9904 | -€9,447 | -€3,139 | +€6,308 | +66.8% |
| Profit (loss) for the period to be appropriated | 9905 | -€9,447 | -€3,139 | +€6,308 | +66.8% |
Next steps
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 3 November 2026 via checked.be.