MVB FINANCIAL SERVICES & CONSULTANCY: 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.
MVB FINANCIAL SERVICES & CONSULTANCY
Largest movements
- Tangible fixed assets -€3,415
down €3,415 (-18.4%), from €18,559 to €15,144
of which Furniture and vehicles: -€3,329
- Cash +€3,184
up €3,184 (+9.7%), from €32,755 to €35,939
mainly Depreciation (+€3,415) and Tax, wage and social debts (+€1,066)
- Other debts -€1,133
down €1,133 (-8.1%), from €14,016 to €12,883
- Tax, wage and social debts +€1,066
up €1,066 (+21.6%), from €4,943 to €6,009
- Trade debts -€1,004
down €1,004 (-33.0%), from €3,043 to €2,039
- Profit (loss) carried forward +€922
up €922 (+5.3%), from €17,406 to €18,328
- Gross operating margin +€14,636
up €14,636, from -€5,565 to €9,071
- Taxes +€2,905
new in 2025: €2,905
- Depreciation +€116
up €116 (+3.5%), from €3,299 to €3,415
- Financial charges -€111
down €111 (-15.1%), from €732 to €621
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 | €53,668 | €53,518 | -€150 | -0.3% |
| Fixed assets | 21/28 | €18,559 | €15,144 | -€3,415 | -18.4% |
| Tangible fixed assets | 22/27 | €18,559 | €15,144 | -€3,415 | -18.4% |
| Furniture and vehicles | 24 | €18,473 | €15,144 | -€3,329 | -18.0% |
| Other tangible fixed assets | 26 | €86 | - | -€86 | |
| Current assets | 29/58 | €35,109 | €38,374 | +€3,265 | +9.3% |
| Amounts receivable within one year | 40/41 | €578 | €578 | -€0 | 0.0% |
| Trade receivables | 40 | €578 | - | -€578 | |
| Other amounts receivable | 41 | - | €578 | +€578 | |
| Cash at bank and in hand | 54/58 | €32,755 | €35,939 | +€3,184 | +9.7% |
| Deferred charges and accrued income | 490/1 | €1,776 | €1,858 | +€82 | +4.6% |
| Total equity and liabilities | 10/49 | €53,668 | €53,518 | -€150 | -0.3% |
| Equity | 10/15 | €31,666 | €32,588 | +€922 | +2.9% |
| Contributions | 10/11 | €12,400 | €12,400 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €17,406 | €18,328 | +€922 | +5.3% |
| Amounts payable | 17/49 | €22,002 | €20,930 | -€1,072 | -4.9% |
| Amounts payable within one year | 42/48 | €22,002 | €20,930 | -€1,072 | -4.9% |
| Trade debts | 44 | €3,043 | €2,039 | -€1,004 | -33.0% |
| Suppliers | 440/4 | €3,043 | €2,039 | -€1,004 | -33.0% |
| Taxes, remuneration and social security | 45 | €4,943 | €6,009 | +€1,066 | +21.6% |
| Taxes | 450/3 | €4,943 | €6,009 | +€1,066 | +21.6% |
| Other amounts payable | 47/48 | €14,016 | €12,883 | -€1,133 | -8.1% |
| Non-recurring operating income | 76A | - | €0 | +€0 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,299 | €3,415 | +€116 | +3.5% |
| Other operating charges | 640/8 | €684 | €696 | +€12 | +1.8% |
| Non-recurring operating charges | 66A | - | €512 | +€512 | |
| Gross operating margin | 9900 | -€5,565 | €9,071 | +€14,636 | |
| Operating profit (loss) | 9901 | -€9,548 | €4,448 | +€13,996 | |
| Financial charges | 65/66B | €732 | €621 | -€111 | -15.1% |
| Recurring financial charges | 65 | €732 | €621 | -€111 | -15.1% |
| Profit (loss) for the period before taxes | 9903 | -€10,280 | €3,827 | +€14,107 | |
| Income taxes | 67/77 | - | €2,905 | +€2,905 | |
| Profit (loss) for the period | 9904 | -€10,280 | €921 | +€11,201 | |
| Profit (loss) for the period to be appropriated | 9905 | -€10,280 | €921 | +€11,201 |
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 24 October 2026 via checked.be.