MY CFO DIGITAL: 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.
MY CFO DIGITAL
Largest movements
- Cash -€99,377
down €99,377 (-85.9%), from €115,674 to €16,296
mainly Receivables after one year (-€96,000) and Contributions, distributions and other (-€72,059)
- Receivables after one year +€96,000
new in 2025: €96,000
- Receivables within one year +€7,114
up €7,114 (+41.2%), from €17,286 to €24,400
of which Trade receivables: +€14,114
- Intangible fixed assets -€3,000
down €3,000 (-29.9%), from €10,028 to €7,028
- Profit (loss) carried forward -€49,945
down €49,945 (-74.0%), from €67,464 to €17,520
- Other debts +€46,404
up €46,404 (+181.3%), from €25,596 to €72,000
- Tax, wage and social debts +€3,438
up €3,438 (+232.7%), from €1,477 to €4,915
- Accrued charges and deferred income +€1,799
new in 2025: €1,799
- Trade debts -€1,465
down €1,465 (-89.1%), from €1,645 to €180
- Gross operating margin -€28,570
down €28,570 (-43.3%), from €65,906 to €37,336
- Financial income -€7,168
down €7,168 (-100.0%), from €7,168 to €0
- Depreciation -€3,400
down €3,400 (-44.9%), from €7,571 to €4,171
- Other operating charges -€3,077
down €3,077 (-88.8%), from €3,464 to €387
- Taxes -€1,839
down €1,839 (-18.9%), from €9,757 to €7,918
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 | €146,182 | €146,413 | +€231 | +0.2% |
| Fixed assets | 21/28 | €12,548 | €9,540 | -€3,008 | -24.0% |
| Intangible fixed assets | 21 | €10,028 | €7,028 | -€3,000 | -29.9% |
| Tangible fixed assets | 22/27 | €2,425 | €2,317 | -€108 | -4.5% |
| Furniture and vehicles | 24 | €2,425 | €2,317 | -€108 | -4.5% |
| Assets under construction and advance payments | 27 | €0 | - | = | |
| Financial fixed assets | 28 | €96 | €196 | +€100 | +104.1% |
| Current assets | 29/58 | €133,634 | €136,873 | +€3,239 | +2.4% |
| Amounts receivable after more than one year | 29 | - | €96,000 | +€96,000 | |
| Trade receivables | 290 | - | €96,000 | +€96,000 | |
| Amounts receivable within one year | 40/41 | €17,286 | €24,400 | +€7,114 | +41.2% |
| Trade receivables | 40 | €10,043 | €24,157 | +€14,114 | +140.5% |
| Other amounts receivable | 41 | €7,243 | €243 | -€7,000 | -96.6% |
| Current investments | 50/53 | €0 | - | = | |
| Cash at bank and in hand | 54/58 | €115,674 | €16,296 | -€99,377 | -85.9% |
| Deferred charges and accrued income | 490/1 | €674 | €176 | -€498 | -73.9% |
| Total equity and liabilities | 10/49 | €146,182 | €146,413 | +€231 | +0.2% |
| Equity | 10/15 | €117,464 | €67,520 | -€49,945 | -42.5% |
| Contributions | 10/11 | €50,000 | €50,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €67,464 | €17,520 | -€49,945 | -74.0% |
| Amounts payable | 17/49 | €28,718 | €78,893 | +€50,175 | +174.7% |
| Amounts payable within one year | 42/48 | €28,718 | €77,094 | +€48,376 | +168.5% |
| Trade debts | 44 | €1,645 | €180 | -€1,465 | -89.1% |
| Suppliers | 440/4 | €1,645 | €180 | -€1,465 | -89.1% |
| Taxes, remuneration and social security | 45 | €1,477 | €4,915 | +€3,438 | +232.7% |
| Taxes | 450/3 | €1,477 | €4,915 | +€3,438 | +232.7% |
| Other amounts payable | 47/48 | €25,596 | €72,000 | +€46,404 | +181.3% |
| Accrued charges and deferred income | 492/3 | - | €1,799 | +€1,799 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €7,571 | €4,171 | -€3,400 | -44.9% |
| Other operating charges | 640/8 | €3,464 | €387 | -€3,077 | -88.8% |
| Gross operating margin | 9900 | €65,906 | €37,336 | -€28,570 | -43.3% |
| Operating profit (loss) | 9901 | €54,871 | €32,779 | -€22,092 | -40.3% |
| Financial income | 75/76B | €7,168 | €0 | -€7,168 | -100.0% |
| Recurring financial income | 75 | €7,168 | €0 | -€7,168 | -100.0% |
| Financial charges | 65/66B | €1,135 | €2,747 | +€1,612 | +141.9% |
| Recurring financial charges | 65 | €1,135 | €2,747 | +€1,612 | +141.9% |
| Profit (loss) for the period before taxes | 9903 | €60,903 | €30,032 | -€30,871 | -50.7% |
| Income taxes | 67/77 | €9,757 | €7,918 | -€1,839 | -18.9% |
| Profit (loss) for the period | 9904 | €51,146 | €22,114 | -€29,032 | -56.8% |
| Profit (loss) for the period to be appropriated | 9905 | €51,146 | €22,114 | -€29,032 | -56.8% |
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.