P2P MIC: 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.
What changed
P2P MIC
NACE 82.990, Other business support services
financial year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€36,495
2024 · €1.0m-€969,982
Equity
€1.2m
2024 · €1.1m+€36,495
Cash
€38,710
2024 · €55,392-€16,681
Balance sheet total
€1.9m
2024 · €1.9m-€58,785
Largest movements
Assets
- Current investments -€79,890
down €79,890 (-14.5%), from €550,000 to €470,110
- Tangible fixed assets +€33,622
up €33,622 (+2.7%), from €1.3m to €1.3m
of which Assets under construction and advance payments: +€75,487
Equity and liabilities
- Other debts -€131,525
down €131,525 (-97.3%), from €135,169 to €3,644
- Reserves +€36,495
up €36,495 (+3.2%), from €1.1m to €1.2m
- Debts after one year +€29,294
up €29,294 (+5.1%), from €575,607 to €604,900
Income statement
- Financial income -€998,370
down €998,370 (-98.7%), from €1.0m to €13,140
- Gross operating margin +€40,860
up €40,860 (+46.8%), from €87,366 to €128,227
- Other operating charges -€12,940
down €12,940 (-39.9%), from €32,431 to €19,491
- Depreciation +€7,470
up €7,470 (+22.5%), from €33,223 to €40,693
- Taxes +€7,094
up €7,094 (+91.0%), from €7,798 to €14,892
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.
Result 2024
€1.0m
Gross operating margin
+€40,860
Staff costs
-€54
Depreciation
-€7,470
Other operating charges
+€12,940
Other operating items
-€8,546
Financial income
-€998,370
Financial charges
-€2,248
Taxes
-€7,094
Result 2025
€36,495
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.
From operations
-€52,181
Investment
+€5,575
Financing
+€29,925
Cash 2024
€55,392
From operations (derived)
-€52,181
Net result for the year
+€36,495
Depreciation
+€40,693
Receivables after one year
+€1,059
Receivables within one year
-€1,872
Deferred charges and accrued income
-€3,351
Trade debts
+€5,038
Tax, wage and social debts
-€1,381
Other debts
-€131,525
Accrued charges and deferred income
+€2,663
Investment (derived)
+€5,575
Investment in fixed assets (net)
-€74,315
Current investments
+€79,890
Financing
+€29,925
Debts after one year
+€29,294
Current portion of long-term debt
+€631
Cash 2025
€38,710
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,930,132 | €1,871,347 | -€58,785 | -3.0% |
| Fixed assets | 21/28 | €1,256,937 | €1,290,559 | +€33,622 | +2.7% |
| Tangible fixed assets | 22/27 | €1,251,625 | €1,285,247 | +€33,622 | +2.7% |
| Land and buildings | 22 | €1,232,927 | €1,191,561 | -€41,366 | -3.4% |
| Plant, machinery and equipment | 23 | €2,822 | €2,184 | -€638 | -22.6% |
| Furniture and vehicles | 24 | €1,126 | €1,265 | +€138 | +12.3% |
| Assets under construction and advance payments | 27 | €14,750 | €90,237 | +€75,487 | +511.8% |
| Financial fixed assets | 28 | €5,313 | €5,313 | = | 0.0% |
| Current assets | 29/58 | €673,195 | €580,788 | -€92,407 | -13.7% |
| Amounts receivable after more than one year | 29 | €1,059 | €0 | -€1,059 | -100.0% |
| Other amounts receivable | 291 | €1,059 | €0 | -€1,059 | -100.0% |
| Amounts receivable within one year | 40/41 | €65,979 | €67,851 | +€1,872 | +2.8% |
| Trade receivables | 40 | €20,825 | €23,785 | +€2,960 | +14.2% |
| Other amounts receivable | 41 | €45,154 | €44,066 | -€1,088 | -2.4% |
| Current investments | 50/53 | €550,000 | €470,110 | -€79,890 | -14.5% |
| Cash at bank and in hand | 54/58 | €55,392 | €38,710 | -€16,681 | -30.1% |
| Deferred charges and accrued income | 490/1 | €766 | €4,117 | +€3,351 | +437.7% |
| Total equity and liabilities | 10/49 | €1,930,132 | €1,871,347 | -€58,785 | -3.0% |
| Equity | 10/15 | €1,149,328 | €1,185,824 | +€36,495 | +3.2% |
| Contributions | 10/11 | €1,000 | €1,000 | = | 0.0% |
| Reserves | 13 | €1,143,500 | €1,179,995 | +€36,495 | +3.2% |
| Distributable reserves | 133 | €1,143,500 | €1,179,995 | +€36,495 | +3.2% |
| Profit (loss) carried forward | 14 | €4,828 | €4,829 | +€0 | 0.0% |
| Amounts payable | 17/49 | €780,804 | €685,524 | -€95,280 | -12.2% |
| Amounts payable after more than one year | 17 | €575,607 | €604,900 | +€29,294 | +5.1% |
| Financial debts | 170/4 | €575,607 | €604,900 | +€29,294 | +5.1% |
| Amounts payable within one year | 42/48 | €197,818 | €70,580 | -€127,237 | -64.3% |
| Current portion of amounts payable after more than one year | 42 | €45,805 | €46,436 | +€631 | +1.4% |
| Trade debts | 44 | €1,217 | €6,255 | +€5,038 | +414.0% |
| Suppliers | 440/4 | €1,217 | €6,255 | +€5,038 | +414.0% |
| Taxes, remuneration and social security | 45 | €15,626 | €14,245 | -€1,381 | -8.8% |
| Taxes | 450/3 | €12,120 | €14,245 | +€2,125 | +17.5% |
| Remuneration and social security | 454/9 | €3,506 | €0 | -€3,506 | -100.0% |
| Other amounts payable | 47/48 | €135,169 | €3,644 | -€131,525 | -97.3% |
| Accrued charges and deferred income | 492/3 | €7,380 | €10,043 | +€2,663 | +36.1% |
| Non-recurring operating income | 76A | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €821 | €875 | +€54 | +6.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €33,223 | €40,693 | +€7,470 | +22.5% |
| Other operating charges | 640/8 | €32,431 | €19,491 | -€12,940 | -39.9% |
| Non-recurring operating charges | 66A | - | €8,546 | +€8,546 | |
| Gross operating margin | 9900 | €87,366 | €128,227 | +€40,860 | +46.8% |
| Operating profit (loss) | 9901 | €20,892 | €58,621 | +€37,729 | +180.6% |
| Financial income | 75/76B | €1,011,509 | €13,140 | -€998,370 | -98.7% |
| Recurring financial income | 75 | €1,011,509 | €13,140 | -€998,370 | -98.7% |
| Financial charges | 65/66B | €18,126 | €20,374 | +€2,248 | +12.4% |
| Recurring financial charges | 65 | €18,126 | €20,374 | +€2,248 | +12.4% |
| Profit (loss) for the period before taxes | 9903 | €1,014,275 | €51,387 | -€962,888 | -94.9% |
| Income taxes | 67/77 | €7,798 | €14,892 | +€7,094 | +91.0% |
| Profit (loss) for the period | 9904 | €1,006,477 | €36,495 | -€969,982 | -96.4% |
| Profit (loss) for the period to be appropriated | 9905 | €1,006,477 | €36,495 | -€969,982 | -96.4% |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 9 October 2026 via checked.be.