NOBUFIN: what changed
What changed
NOBUFIN
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€342,207
2024 · €252,802+€89,405
Equity
€40,009
2024 · €17,802+€22,207
Cash
€134,847
2024 · €39,017+€95,830
Balance sheet total
€1.8m
2024 · €1.9m-€66,431
Largest movements
Assets
- Deferred charges and accrued income +€176,455
up €176,455 (+64.1%), from €275,122 to €451,577
- Current investments -€170,000
down €170,000 (-100%), from €170,000 to €0
- Intangible fixed assets -€150,884
down €150,884 (-11.4%), from €1.3m to €1.2m
- Cash +€95,830
up €95,830 (+246%), from €39,017 to €134,847
mainly Net result for the year (+€342,207) and Depreciation (+€170,241)
- Tangible fixed assets -€19,358
down €19,358 (-25.2%), from €76,905 to €57,547
of which Leasing and similar rights: -€18,287
Equity and liabilities
- Debts after one year -€179,037
down €179,037 (-13.6%), from €1.3m to €1.1m
- Other debts +€80,000
up €80,000 (+33.3%), from €240,000 to €320,000
- Profit (loss) carried forward +€22,207
up €22,207 (+173%), from €12,802 to €35,009
Income statement
- Depreciation -€35,824
down €35,824 (-17.4%), from €206,066 to €170,241
- Staff costs -€30,940
down €30,940 (-8.2%), from €375,287 to €344,347
- Financial charges -€16,166
down €16,166 (-23.3%), from €69,467 to €53,301
- Gross operating margin +€13,895
up €13,895 (+1.5%), from €927,054 to €940,949
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€252,802
Gross operating margin
+€13,895
Staff costs
+€30,940
Depreciation
+€35,824
Other operating charges
-€3,470
Other operating items
+€126
Financial income
-€2,931
Financial charges
+€16,166
Taxes
-€1,145
Result 2025
€342,207
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€409,209
Investment
+€170,000
Financing
-€483,378
Cash 2024
€39,017
From operations (derived)
+€409,209
Net result for the year
+€342,207
Depreciation
+€170,241
Receivables within one year
-€1,525
Deferred charges and accrued income
-€176,455
Trade debts
-€14,425
Tax, wage and social debts
+€3,399
Other debts
+€80,000
Accrued charges and deferred income
+€5,766
Investment (derived)
+€170,000
Current investments
+€170,000
Financing
-€483,378
Debts after one year
-€179,037
Current portion of long-term debt
+€15,659
Contributions, distributions and other
-€320,000
Cash 2025
€134,847
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,881,934 | €1,815,503 | -€66,431 | -3.5% |
| Fixed assets | 21/28 | €1,397,420 | €1,227,178 | -€170,241 | -12.2% |
| Intangible fixed assets | 21 | €1,320,515 | €1,169,631 | -€150,884 | -11.4% |
| Tangible fixed assets | 22/27 | €76,905 | €57,547 | -€19,358 | -25.2% |
| Furniture and vehicles | 24 | €1,614 | €544 | -€1,070 | -66.3% |
| Leasing and similar rights | 25 | €75,290 | €57,003 | -€18,287 | -24.3% |
| Current assets | 29/58 | €484,514 | €588,325 | +€103,811 | +21.4% |
| Amounts receivable within one year | 40/41 | €375 | €1,900 | +€1,525 | +407% |
| Trade receivables | 40 | €375 | €302 | -€74 | -19.6% |
| Other amounts receivable | 41 | - | €1,599 | +€1,599 | |
| Current investments | 50/53 | €170,000 | €0 | -€170,000 | -100% |
| Cash at bank and in hand | 54/58 | €39,017 | €134,847 | +€95,830 | +246% |
| Deferred charges and accrued income | 490/1 | €275,122 | €451,577 | +€176,455 | +64.1% |
| Total equity and liabilities | 10/49 | €1,881,934 | €1,815,503 | -€66,431 | -3.5% |
| Equity | 10/15 | €17,802 | €40,009 | +€22,207 | +125% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €12,802 | €35,009 | +€22,207 | +173% |
| Amounts payable | 17/49 | €1,864,132 | €1,775,495 | -€88,638 | -4.8% |
| Amounts payable after more than one year | 17 | €1,318,212 | €1,139,174 | -€179,037 | -13.6% |
| Financial debts | 170/4 | €1,318,212 | €1,139,174 | -€179,037 | -13.6% |
| Amounts payable within one year | 42/48 | €545,921 | €630,554 | +€84,633 | +15.5% |
| Current portion of amounts payable after more than one year | 42 | €178,378 | €194,037 | +€15,659 | +8.8% |
| Trade debts | 44 | €74,071 | €59,646 | -€14,425 | -19.5% |
| Suppliers | 440/4 | €74,071 | €59,646 | -€14,425 | -19.5% |
| Taxes, remuneration and social security | 45 | €53,471 | €56,870 | +€3,399 | +6.4% |
| Taxes | 450/3 | €11,773 | €0 | -€11,773 | -100% |
| Remuneration and social security | 454/9 | €41,698 | €56,870 | +€15,172 | +36.4% |
| Other amounts payable | 47/48 | €240,000 | €320,000 | +€80,000 | +33.3% |
| Accrued charges and deferred income | 492/3 | - | €5,766 | +€5,766 | |
| Remuneration, social security and pensions | 62 | €375,287 | €344,347 | -€30,940 | -8.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €206,066 | €170,241 | -€35,824 | -17.4% |
| Other operating charges | 640/8 | €15,290 | €18,759 | +€3,470 | +22.7% |
| Non-recurring operating charges | 66A | €189 | €63 | -€126 | -66.5% |
| Gross operating margin | 9900 | €927,054 | €940,949 | +€13,895 | +1.5% |
| Operating profit (loss) | 9901 | €330,222 | €407,538 | +€77,316 | +23.4% |
| Financial income | 75/76B | €4,889 | €1,958 | -€2,931 | -60.0% |
| Recurring financial income | 75 | €4,889 | €1,958 | -€2,931 | -60.0% |
| Financial charges | 65/66B | €69,467 | €53,301 | -€16,166 | -23.3% |
| Recurring financial charges | 65 | €69,467 | €53,301 | -€16,166 | -23.3% |
| Profit (loss) for the period before taxes | 9903 | €265,645 | €356,195 | +€90,550 | +34.1% |
| Income taxes | 67/77 | €12,844 | €13,988 | +€1,145 | +8.9% |
| Profit (loss) for the period | 9904 | €252,802 | €342,207 | +€89,405 | +35.4% |
| Profit (loss) for the period to be appropriated | 9905 | €252,802 | €342,207 | +€89,405 | +35.4% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 3 November 2026 via checked.be.