NOMAD FINANCE: 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.
NOMAD FINANCE
Largest movements
- Receivables within one year -€14,519
down €14,519 (-66.6%), from €21,790 to €7,270
of which Trade receivables: -€13,400
- Cash +€4,045
up €4,045 (+3.7%), from €109,320 to €113,365
mainly Receivables within one year (+€14,519) and Other debts (+€6,675)
- Profit (loss) carried forward -€17,616
down €17,616 (-17.3%), from €101,551 to €83,935
- Other debts +€6,675
up €6,675 (+37.5%), from €17,799 to €24,474
- Tax, wage and social debts +€3,053
up €3,053 (+106%), from €2,881 to €5,935
of which Taxes: +€3,053
- Trade debts -€2,586
down €2,586 (-87.5%), from €2,954 to €368
- Depreciation -€8,000
no longer reported in 2025 (was €8,000)
- Gross operating margin +€7,420
up €7,420 (+33.3%), from -€22,255 to -€14,836
- Other operating charges -€2,189
down €2,189 (-52.1%), from €4,205 to €2,016
- Financial income +€258
new in 2025: €258
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 | €131,186 | €120,712 | -€10,474 | -8.0% |
| Fixed assets | 21/28 | €77 | €77 | = | 0.0% |
| Financial fixed assets | 28 | €77 | €77 | = | 0.0% |
| Current assets | 29/58 | €131,109 | €120,635 | -€10,474 | -8.0% |
| Amounts receivable within one year | 40/41 | €21,790 | €7,270 | -€14,519 | -66.6% |
| Trade receivables | 40 | €20,400 | €7,000 | -€13,400 | -65.7% |
| Other amounts receivable | 41 | €1,390 | €270 | -€1,119 | -80.5% |
| Cash at bank and in hand | 54/58 | €109,320 | €113,365 | +€4,045 | +3.7% |
| Total equity and liabilities | 10/49 | €131,186 | €120,712 | -€10,474 | -8.0% |
| Equity | 10/15 | €107,551 | €89,935 | -€17,616 | -16.4% |
| Contributions | 10/11 | €6,000 | €6,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €101,551 | €83,935 | -€17,616 | -17.3% |
| Amounts payable | 17/49 | €23,635 | €30,777 | +€7,142 | +30.2% |
| Amounts payable within one year | 42/48 | €23,635 | €30,777 | +€7,142 | +30.2% |
| Trade debts | 44 | €2,954 | €368 | -€2,586 | -87.5% |
| Suppliers | 440/4 | €2,954 | €368 | -€2,586 | -87.5% |
| Taxes, remuneration and social security | 45 | €2,881 | €5,935 | +€3,053 | +106% |
| Taxes | 450/3 | €881 | €3,935 | +€3,053 | +346% |
| Remuneration and social security | 454/9 | €2,000 | €2,000 | = | 0.0% |
| Other amounts payable | 47/48 | €17,799 | €24,474 | +€6,675 | +37.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €8,000 | - | -€8,000 | |
| Other operating charges | 640/8 | €4,205 | €2,016 | -€2,189 | -52.1% |
| Gross operating margin | 9900 | -€22,255 | -€14,836 | +€7,420 | +33.3% |
| Operating profit (loss) | 9901 | -€34,460 | -€16,852 | +€17,609 | +51.1% |
| Financial income | 75/76B | - | €258 | +€258 | |
| Recurring financial income | 75 | - | €258 | +€258 | |
| Financial charges | 65/66B | €593 | €468 | -€124 | -21.0% |
| Recurring financial charges | 65 | €593 | €468 | -€124 | -21.0% |
| Profit (loss) for the period before taxes | 9903 | -€35,053 | -€17,062 | +€17,991 | +51.3% |
| Income taxes | 67/77 | €458 | €554 | +€96 | +20.9% |
| Profit (loss) for the period | 9904 | -€35,511 | -€17,616 | +€17,895 | +50.4% |
| Profit (loss) for the period to be appropriated | 9905 | -€35,511 | -€17,616 | +€17,895 | +50.4% |
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 26 October 2026 via checked.be.