MONEYOAK: 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.
MONEYOAK
Largest movements
- Cash -€133,136
down €133,136 (-73.8%), from €180,518 to €47,382
mainly Tax, wage and social debts (-€311,463) and Net result for the year (-€84,305)
- Tax, wage and social debts -€311,463
down €311,463 (-23.4%), from €1.3m to €1.0m
of which Taxes: -€381,885
- Trade debts +€295,551
up €295,551 (+8.4%), from €3.5m to €3.8m
- Gross operating margin -€3.8m
down €3.8m (-81.8%), from €4.7m to €854,130
- Taxes -€1.2m
down €1.2m (-99.9%), from €1.2m to €1,736
- Provisions +€822,218
no longer reported in 2025 (was -€822,218)
- Staff costs -€313,791
down €313,791 (-28.5%), from €1.1m to €788,957
- Write-downs +€116,354
up €116,354 (+4,592%), from €2,534 to €118,888
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 | €8,512,461 | €8,414,013 | -€98,448 | -1.2% |
| Fixed assets | 21/28 | €82,465 | €72,835 | -€9,630 | -11.7% |
| Tangible fixed assets | 22/27 | €82,465 | €72,835 | -€9,630 | -11.7% |
| Furniture and vehicles | 24 | €61,440 | €50,987 | -€10,453 | -17.0% |
| Other tangible fixed assets | 26 | €21,025 | €21,848 | +€822 | +3.9% |
| Current assets | 29/58 | €8,429,996 | €8,341,178 | -€88,818 | -1.1% |
| Amounts receivable within one year | 40/41 | €8,245,678 | €8,286,192 | +€40,514 | +0.5% |
| Trade receivables | 40 | €6,248,131 | €4,483,639 | -€1.8m | -28.2% |
| Other amounts receivable | 41 | €1,997,547 | €3,802,554 | +€1.8m | +90.4% |
| Cash at bank and in hand | 54/58 | €180,518 | €47,382 | -€133,136 | -73.8% |
| Deferred charges and accrued income | 490/1 | €3,800 | €7,604 | +€3,804 | +100% |
| Total equity and liabilities | 10/49 | €8,512,461 | €8,414,013 | -€98,448 | -1.2% |
| Equity | 10/15 | €3,666,026 | €3,581,720 | -€84,305 | -2.3% |
| Contributions | 10/11 | €61,500 | €61,500 | = | 0.0% |
| Capital | 10 | €61,500 | €61,500 | = | 0.0% |
| Issued capital | 100 | €61,500 | €61,500 | = | 0.0% |
| Reserves | 13 | €3,000,000 | €3,000,000 | = | 0.0% |
| Distributable reserves | 133 | €3,000,000 | €3,000,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €604,526 | €520,220 | -€84,305 | -13.9% |
| Amounts payable | 17/49 | €4,846,436 | €4,832,293 | -€14,143 | -0.3% |
| Amounts payable within one year | 42/48 | €4,846,436 | €4,830,523 | -€15,912 | -0.3% |
| Trade debts | 44 | €3,513,587 | €3,809,137 | +€295,551 | +8.4% |
| Suppliers | 440/4 | €3,513,587 | €3,809,137 | +€295,551 | +8.4% |
| Taxes, remuneration and social security | 45 | €1,332,849 | €1,021,386 | -€311,463 | -23.4% |
| Taxes | 450/3 | €1,316,859 | €934,974 | -€381,885 | -29.0% |
| Remuneration and social security | 454/9 | €15,989 | €86,411 | +€70,422 | +440% |
| Accrued charges and deferred income | 492/3 | - | €1,770 | +€1,770 | |
| Remuneration, social security and pensions | 62 | €1,102,748 | €788,957 | -€313,791 | -28.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €28,822 | €17,057 | -€11,765 | -40.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €2,534 | €118,888 | +€116,354 | +4,592% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | -€822,218 | - | +€822,218 | |
| Other operating charges | 640/8 | €5,534 | €1,913 | -€3,622 | -65.4% |
| Gross operating margin | 9900 | €4,689,904 | €854,130 | -€3.8m | -81.8% |
| Operating profit (loss) | 9901 | €4,372,483 | -€72,684 | -€4.4m | |
| Financial income | 75/76B | €2,108 | - | -€2,108 | |
| Recurring financial income | 75 | €2,108 | - | -€2,108 | |
| Financial charges | 65/66B | €15,060 | €9,885 | -€5,176 | -34.4% |
| Recurring financial charges | 65 | €15,060 | €9,885 | -€5,176 | -34.4% |
| Profit (loss) for the period before taxes | 9903 | €4,359,531 | -€82,569 | -€4.4m | |
| Income taxes | 67/77 | €1,183,158 | €1,736 | -€1.2m | -99.9% |
| Profit (loss) for the period | 9904 | €3,176,373 | -€84,305 | -€3.3m | |
| Profit (loss) for the period to be appropriated | 9905 | €3,176,373 | -€84,305 | -€3.3m |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 31 January 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 25 October 2026 via checked.be.