MARKS 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.
MARKS FINANCIAL SERVICES
Largest movements
- Receivables within one year +€32,479
up €32,479 (+44.4%), from €73,089 to €105,568
of which Other amounts receivable: +€48,474
- Tangible fixed assets +€22,473
up €22,473 (+639.2%), from €3,516 to €25,989
- Cash +€5,273
up €5,273 (+18.1%), from €29,140 to €34,413
mainly Net result for the year (+€28,277) and Debts after one year (+€20,270)
- Reserves +€28,277
up €28,277 (+38.6%), from €73,165 to €101,442
- Debts after one year +€20,270
new in 2025: €20,270
- Tax, wage and social debts +€6,464
up €6,464 (+21.3%), from €30,279 to €36,743
- Current portion of long-term debt +€5,935
new in 2025: €5,935
- Gross operating margin -€43,390
down €43,390 (-46.3%), from €93,802 to €50,413
- Depreciation +€11,120
up €11,120 (+1702.8%), from €653 to €11,773
- Taxes -€9,184
down €9,184 (-47.4%), from €19,391 to €10,207
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 | €106,821 | €166,390 | +€59,569 | +55.8% |
| Fixed assets | 21/28 | €3,516 | €25,989 | +€22,473 | +639.2% |
| Tangible fixed assets | 22/27 | €3,516 | €25,989 | +€22,473 | +639.2% |
| Furniture and vehicles | 24 | €3,516 | €25,989 | +€22,473 | +639.2% |
| Current assets | 29/58 | €103,305 | €140,402 | +€37,096 | +35.9% |
| Amounts receivable within one year | 40/41 | €73,089 | €105,568 | +€32,479 | +44.4% |
| Trade receivables | 40 | €26,735 | €10,740 | -€15,995 | -59.8% |
| Other amounts receivable | 41 | €46,354 | €94,828 | +€48,474 | +104.6% |
| Cash at bank and in hand | 54/58 | €29,140 | €34,413 | +€5,273 | +18.1% |
| Deferred charges and accrued income | 490/1 | €1,077 | €421 | -€656 | -60.9% |
| Total equity and liabilities | 10/49 | €106,821 | €166,390 | +€59,569 | +55.8% |
| Equity | 10/15 | €75,165 | €103,442 | +€28,277 | +37.6% |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Reserves | 13 | €73,165 | €101,442 | +€28,277 | +38.6% |
| Distributable reserves | 133 | €73,165 | €101,442 | +€28,277 | +38.6% |
| Amounts payable | 17/49 | €31,656 | €62,949 | +€31,293 | +98.9% |
| Amounts payable after more than one year | 17 | - | €20,270 | +€20,270 | |
| Financial debts | 170/4 | - | €20,270 | +€20,270 | |
| Amounts payable within one year | 42/48 | €31,656 | €42,679 | +€11,023 | +34.8% |
| Current portion of amounts payable after more than one year | 42 | - | €5,935 | +€5,935 | |
| Trade debts | 44 | €1,377 | €0 | -€1,376 | -100.0% |
| Suppliers | 440/4 | €1,377 | €0 | -€1,376 | -100.0% |
| Taxes, remuneration and social security | 45 | €30,279 | €36,743 | +€6,464 | +21.3% |
| Taxes | 450/3 | €30,279 | €36,743 | +€6,464 | +21.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €653 | €11,773 | +€11,120 | +1702.8% |
| Other operating charges | 640/8 | €665 | €433 | -€232 | -34.9% |
| Gross operating margin | 9900 | €93,802 | €50,413 | -€43,390 | -46.3% |
| Operating profit (loss) | 9901 | €92,484 | €38,207 | -€54,278 | -58.7% |
| Financial income | 75/76B | €595 | €1,471 | +€876 | +147.3% |
| Recurring financial income | 75 | €595 | €1,471 | +€876 | +147.3% |
| Financial charges | 65/66B | €524 | €1,195 | +€671 | +128.2% |
| Recurring financial charges | 65 | €524 | €1,195 | +€671 | +128.2% |
| Profit (loss) for the period before taxes | 9903 | €92,556 | €38,483 | -€54,073 | -58.4% |
| Income taxes | 67/77 | €19,391 | €10,207 | -€9,184 | -47.4% |
| Profit (loss) for the period | 9904 | €73,165 | €28,277 | -€44,889 | -61.4% |
| Profit (loss) for the period to be appropriated | 9905 | €73,165 | €28,277 | -€44,889 | -61.4% |
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 10 October 2026 via checked.be.