one4finance: 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.
one4finance
Largest movements
- Intangible fixed assets -€25,418
down €25,418 (-25.0%), from €101,671 to €76,253
- Receivables within one year -€21,676
down €21,676 (-3.5%), from €620,706 to €599,030
of which Trade receivables: -€20,329
- Tangible fixed assets -€19,635
down €19,635 (-25.9%), from €75,890 to €56,256
of which Furniture and vehicles: -€13,584
- Cash +€19,374
up €19,374 (+4.9%), from €399,225 to €418,600
mainly Debts after one year (+€231,794) and Net result for the year (+€55,307)
- Other debts -€269,179
down €269,179 (-56.3%), from €477,997 to €208,819
- Debts after one year +€231,794
up €231,794 (+1,604%), from €14,448 to €246,242
- Trade debts -€59,360
down €59,360 (-30.8%), from €192,810 to €133,450
- Current portion of long-term debt +€52,503
up €52,503 (+334%), from €15,703 to €68,206
- Gross operating margin -€98,074
down €98,074 (-11.6%), from €842,643 to €744,569
- Staff costs -€71,327
down €71,327 (-10.5%), from €680,205 to €608,877
- Depreciation -€10,743
down €10,743 (-18.5%), from €58,222 to €47,479
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 | €1,206,749 | €1,162,075 | -€44,674 | -3.7% |
| Fixed assets | 21/28 | €177,561 | €132,509 | -€45,052 | -25.4% |
| Intangible fixed assets | 21 | €101,671 | €76,253 | -€25,418 | -25.0% |
| Tangible fixed assets | 22/27 | €75,890 | €56,256 | -€19,635 | -25.9% |
| Plant, machinery and equipment | 23 | €230 | €0 | -€230 | -100% |
| Furniture and vehicles | 24 | €49,063 | €35,479 | -€13,584 | -27.7% |
| Other tangible fixed assets | 26 | €26,597 | €20,776 | -€5,821 | -21.9% |
| Current assets | 29/58 | €1,029,188 | €1,029,567 | +€378 | 0.0% |
| Amounts receivable within one year | 40/41 | €620,706 | €599,030 | -€21,676 | -3.5% |
| Trade receivables | 40 | €618,222 | €597,892 | -€20,329 | -3.3% |
| Other amounts receivable | 41 | €2,485 | €1,138 | -€1,347 | -54.2% |
| Cash at bank and in hand | 54/58 | €399,225 | €418,600 | +€19,374 | +4.9% |
| Deferred charges and accrued income | 490/1 | €9,257 | €11,937 | +€2,680 | +29.0% |
| Total equity and liabilities | 10/49 | €1,206,749 | €1,162,075 | -€44,674 | -3.7% |
| Equity | 10/15 | €340,492 | €345,799 | +€5,307 | +1.6% |
| Contributions | 10/11 | €25,000 | €25,000 | = | 0.0% |
| Reserves | 13 | €315,492 | €320,799 | +€5,307 | +1.7% |
| Distributable reserves | 133 | €315,492 | €320,799 | +€5,307 | +1.7% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €866,258 | €816,276 | -€49,981 | -5.8% |
| Amounts payable after more than one year | 17 | €14,448 | €246,242 | +€231,794 | +1,604% |
| Financial debts | 170/4 | €14,448 | €246,242 | +€231,794 | +1,604% |
| Amounts payable within one year | 42/48 | €851,809 | €570,034 | -€281,775 | -33.1% |
| Current portion of amounts payable after more than one year | 42 | €15,703 | €68,206 | +€52,503 | +334% |
| Financial debts | 43 | €3,315 | €0 | -€3,315 | -100% |
| Credit institutions | 430/8 | €3,315 | €0 | -€3,315 | -100% |
| Trade debts | 44 | €192,810 | €133,450 | -€59,360 | -30.8% |
| Suppliers | 440/4 | €192,810 | €133,450 | -€59,360 | -30.8% |
| Advances received on contracts in progress | 46 | - | €6,390 | +€6,390 | |
| Taxes, remuneration and social security | 45 | €161,985 | €153,169 | -€8,816 | -5.4% |
| Taxes | 450/3 | €83,201 | €81,227 | -€1,974 | -2.4% |
| Remuneration and social security | 454/9 | €78,784 | €71,942 | -€6,842 | -8.7% |
| Other amounts payable | 47/48 | €477,997 | €208,819 | -€269,179 | -56.3% |
| Remuneration, social security and pensions | 62 | €680,205 | €608,877 | -€71,327 | -10.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €58,222 | €47,479 | -€10,743 | -18.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €4,959 | €0 | -€4,959 | -100% |
| Other operating charges | 640/8 | €5,231 | €6,102 | +€870 | +16.6% |
| Gross operating margin | 9900 | €842,643 | €744,569 | -€98,074 | -11.6% |
| Operating profit (loss) | 9901 | €94,026 | €82,111 | -€11,915 | -12.7% |
| Financial income | 75/76B | €5,971 | €3,999 | -€1,973 | -33.0% |
| Recurring financial income | 75 | €5,971 | €3,999 | -€1,973 | -33.0% |
| Financial charges | 65/66B | €3,369 | €4,736 | +€1,367 | +40.6% |
| Recurring financial charges | 65 | €3,369 | €4,736 | +€1,367 | +40.6% |
| Profit (loss) for the period before taxes | 9903 | €96,629 | €81,374 | -€15,255 | -15.8% |
| Income taxes | 67/77 | €31,352 | €26,067 | -€5,285 | -16.9% |
| Profit (loss) for the period | 9904 | €65,277 | €55,307 | -€9,970 | -15.3% |
| Profit (loss) for the period to be appropriated | 9905 | €65,277 | €55,307 | -€9,970 | -15.3% |
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 13 October 2026 via checked.be.