MOBILE PAYMENT SOLUTIONS: 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.
MOBILE PAYMENT SOLUTIONS
Largest movements
- Financial fixed assets +€818,407
up €818,407 (+13.4%), from €6.1m to €6.9m
- Cash -€281,318
down €281,318 (-29.2%), from €962,542 to €681,224
mainly Investment in fixed assets (net) (-€1.3m) and Net result for the year (-€579,355)
- Intangible fixed assets -€134,677
down €134,677 (-7.5%), from €1.8m to €1.7m
- Profit (loss) carried forward -€579,355
down €579,355 (-30.7%), from -€1.9m to -€2.5m
- Debts after one year +€556,184
up €556,184 (+12.8%), from €4.3m to €4.9m
- Trade debts +€282,653
up €282,653 (+66.9%), from €422,502 to €705,155
- Gross operating margin +€282,612
up €282,612, from -€151,511 to €131,101
- Depreciation +€130,988
up €130,988 (+26.7%), from €489,748 to €620,735
- Financial charges +€29,845
up €29,845 (+17.0%), from €175,519 to €205,365
of which Financial charges: +€48,445
- Other operating charges -€27,137
down €27,137 (-95.1%), from €28,548 to €1,411
- Financial income +€19,976
up €19,976 (+7.5%), from €264,892 to €284,868
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 | €8,970,069 | €9,381,383 | +€411,315 | +4.6% |
| Fixed assets | 21/28 | €7,921,971 | €8,601,308 | +€679,336 | +8.6% |
| Intangible fixed assets | 21 | €1,804,353 | €1,669,676 | -€134,677 | -7.5% |
| Tangible fixed assets | 22/27 | €7,984 | €3,590 | -€4,393 | -55.0% |
| Plant, machinery and equipment | 23 | €7,984 | €3,590 | -€4,393 | -55.0% |
| Financial fixed assets | 28 | €6,109,634 | €6,928,041 | +€818,407 | +13.4% |
| Current assets | 29/58 | €1,048,097 | €780,076 | -€268,022 | -25.6% |
| Stocks and contracts in progress | 3 | - | €17,384 | +€17,384 | |
| Stocks | 30/36 | - | €17,384 | +€17,384 | |
| Amounts receivable within one year | 40/41 | €35,582 | €43,855 | +€8,273 | +23.3% |
| Trade receivables | 40 | €16,638 | €43,855 | +€27,217 | +163.6% |
| Other amounts receivable | 41 | €18,944 | - | -€18,944 | |
| Cash at bank and in hand | 54/58 | €962,542 | €681,224 | -€281,318 | -29.2% |
| Deferred charges and accrued income | 490/1 | €49,974 | €37,613 | -€12,361 | -24.7% |
| Total equity and liabilities | 10/49 | €8,970,069 | €9,381,383 | +€411,315 | +4.6% |
| Equity | 10/15 | €3,611,190 | €3,031,835 | -€579,355 | -16.0% |
| Contributions | 10/11 | €5,500,000 | €5,500,000 | = | 0.0% |
| Capital | 10 | €5,500,000 | €5,500,000 | = | 0.0% |
| Issued capital | 100 | €5,500,000 | €5,500,000 | = | 0.0% |
| Reserves | 13 | €300 | €300 | = | 0.0% |
| Non-distributable reserves | 130/1 | €300 | €300 | = | 0.0% |
| Legal reserve | 130 | €300 | €300 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€1,889,110 | -€2,468,465 | -€579,355 | -30.7% |
| Amounts payable | 17/49 | €5,358,878 | €6,349,548 | +€990,670 | +18.5% |
| Amounts payable after more than one year | 17 | €4,331,867 | €4,888,051 | +€556,184 | +12.8% |
| Financial debts | 170/4 | €4,331,867 | €4,888,051 | +€556,184 | +12.8% |
| Amounts payable within one year | 42/48 | €1,026,011 | €1,461,497 | +€435,486 | +42.4% |
| Trade debts | 44 | €422,502 | €705,155 | +€282,653 | +66.9% |
| Suppliers | 440/4 | €422,502 | €705,155 | +€282,653 | +66.9% |
| Taxes, remuneration and social security | 45 | €5,695 | €94,568 | +€88,873 | +1560.6% |
| Taxes | 450/3 | - | €78,631 | +€78,631 | |
| Remuneration and social security | 454/9 | €5,695 | €15,937 | +€10,242 | +179.8% |
| Other amounts payable | 47/48 | €597,814 | €661,774 | +€63,959 | +10.7% |
| Accrued charges and deferred income | 492/3 | €1,000 | - | -€1,000 | |
| Remuneration, social security and pensions | 62 | €125,015 | €117,681 | -€7,333 | -5.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €489,748 | €620,735 | +€130,988 | +26.7% |
| Other operating charges | 640/8 | €28,548 | €1,411 | -€27,137 | -95.1% |
| Non-recurring operating charges | 66A | - | €50,132 | +€50,132 | |
| Gross operating margin | 9900 | -€151,511 | €131,101 | +€282,612 | |
| Operating profit (loss) | 9901 | -€794,821 | -€658,859 | +€135,963 | +17.1% |
| Financial income | 75/76B | €264,892 | €284,868 | +€19,976 | +7.5% |
| Recurring financial income | 75 | €264,892 | €284,868 | +€19,976 | +7.5% |
| Financial charges | 65/66B | €175,519 | €205,365 | +€29,845 | +17.0% |
| Recurring financial charges | 65 | €156,919 | €205,365 | +€48,445 | +30.9% |
| Non-recurring financial charges | 66B | €18,600 | - | -€18,600 | |
| Profit (loss) for the period before taxes | 9903 | -€705,448 | -€579,355 | +€126,093 | +17.9% |
| Profit (loss) for the period | 9904 | -€705,448 | -€579,355 | +€126,093 | +17.9% |
| Profit (loss) for the period to be appropriated | 9905 | -€705,448 | -€579,355 | +€126,093 | +17.9% |
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 11 October 2026 via checked.be.