MULTI-BANIOS: 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.
MULTI-BANIOS
Largest movements
- Receivables within one year +€3,204
up €3,204 (+14.5%), from €22,117 to €25,320
of which Other amounts receivable: +€5,885
- Receivables after one year +€1,129
up €1,129 (+2.8%), from €40,555 to €41,685
- Profit (loss) carried forward +€3,896
up €3,896 (+10.4%), from €37,530 to €41,426
- Gross operating margin +€3,604
up €3,604 (+242.2%), from €1,488 to €5,091
- Financial income -€1,369
down €1,369 (-54.7%), from €2,501 to €1,132
- Taxes +€533
up €533 (+101.6%), from €525 to €1,058
- Financial charges -€269
down €269 (-27.2%), from €991 to €721
- Other operating charges -€180
down €180 (-24.8%), from €729 to €548
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 | €63,658 | €67,992 | +€4,334 | +6.8% |
| Fixed assets | 21/28 | €967 | €967 | = | 0.0% |
| Financial fixed assets | 28 | €967 | €967 | = | 0.0% |
| Current assets | 29/58 | €62,692 | €67,025 | +€4,334 | +6.9% |
| Amounts receivable after more than one year | 29 | €40,555 | €41,685 | +€1,129 | +2.8% |
| Other amounts receivable | 291 | €40,555 | €41,685 | +€1,129 | +2.8% |
| Amounts receivable within one year | 40/41 | €22,117 | €25,320 | +€3,204 | +14.5% |
| Trade receivables | 40 | €21,532 | €18,850 | -€2,681 | -12.5% |
| Other amounts receivable | 41 | €585 | €6,470 | +€5,885 | +1005.7% |
| Cash at bank and in hand | 54/58 | €19 | €20 | +€1 | +3.5% |
| Total equity and liabilities | 10/49 | €63,658 | €67,992 | +€4,334 | +6.8% |
| Equity | 10/15 | €57,444 | €61,340 | +€3,896 | +6.8% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Contributions outside capital | 11 | €18,600 | €18,600 | = | 0.0% |
| Other | 1109/19 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,314 | €1,314 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,314 | €1,314 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,314 | €1,314 | = | 0.0% |
| Profit (loss) carried forward | 14 | €37,530 | €41,426 | +€3,896 | +10.4% |
| Amounts payable | 17/49 | €6,215 | €6,652 | +€438 | +7.0% |
| Amounts payable within one year | 42/48 | €6,215 | €6,652 | +€438 | +7.0% |
| Financial debts | 43 | €2,764 | €3,182 | +€418 | +15.1% |
| Credit institutions | 430/8 | €2,764 | €3,182 | +€418 | +15.1% |
| Trade debts | 44 | €2,525 | €1,888 | -€637 | -25.2% |
| Suppliers | 440/4 | €2,525 | €1,888 | -€637 | -25.2% |
| Taxes, remuneration and social security | 45 | €925 | €1,582 | +€657 | +71.0% |
| Taxes | 450/3 | €925 | €1,582 | +€657 | +71.0% |
| Other operating charges | 640/8 | €729 | €548 | -€180 | -24.8% |
| Gross operating margin | 9900 | €1,488 | €5,091 | +€3,604 | +242.2% |
| Operating profit (loss) | 9901 | €759 | €4,543 | +€3,784 | +498.5% |
| Financial income | 75/76B | €2,501 | €1,132 | -€1,369 | -54.7% |
| Recurring financial income | 75 | €2,501 | €1,132 | -€1,369 | -54.7% |
| Financial charges | 65/66B | €991 | €721 | -€269 | -27.2% |
| Recurring financial charges | 65 | €991 | €721 | -€269 | -27.2% |
| Profit (loss) for the period before taxes | 9903 | €2,270 | €4,954 | +€2,684 | +118.3% |
| Income taxes | 67/77 | €525 | €1,058 | +€533 | +101.6% |
| Profit (loss) for the period | 9904 | €1,745 | €3,896 | +€2,151 | +123.3% |
| Profit (loss) for the period to be appropriated | 9905 | €1,745 | €3,896 | +€2,151 | +123.3% |
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 12 October 2026 via checked.be.