Payment Services: 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.
Payment Services
Largest movements
- Cash +€26,043
up €26,043 (+30.1%), from €86,479 to €112,522
mainly Receivables within one year (+€25,568) and Depreciation (+€14,136)
- Receivables within one year -€25,568
down €25,568 (-34.6%), from €73,880 to €48,311
of which Trade receivables: -€23,958
- Tangible fixed assets -€10,950
down €10,950 (-27.4%), from €40,012 to €29,062
of which Plant, machinery and equipment: -€10,909
- Stocks and contracts -€6,966
down €6,966 (-39.4%), from €17,671 to €10,705
- Profit (loss) carried forward -€14,119
down €14,119 (-13.8%), from €102,223 to €88,104
- Tax, wage and social debts -€2,238
down €2,238 (-54.4%), from €4,114 to €1,876
- Gross operating margin -€48,342
down €48,342 (-97.6%), from €49,519 to €1,177
- Taxes -€9,891
down €9,891 (-98.2%), from €10,074 to €183
- Depreciation +€846
up €846 (+6.4%), from €13,290 to €14,136
- Financial charges -€543
down €543 (-27.3%), from €1,989 to €1,446
From the 2025 result to the 2026 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 2025 and 2026 balance sheets and the 2026 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2025 | 2026 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €219,030 | €202,521 | -€16,508 | -7.5% |
| Fixed assets | 21/28 | €40,012 | €29,062 | -€10,950 | -27.4% |
| Tangible fixed assets | 22/27 | €40,012 | €29,062 | -€10,950 | -27.4% |
| Plant, machinery and equipment | 23 | €39,536 | €28,627 | -€10,909 | -27.6% |
| Furniture and vehicles | 24 | €476 | €435 | -€42 | -8.7% |
| Current assets | 29/58 | €179,018 | €173,460 | -€5,558 | -3.1% |
| Stocks and contracts in progress | 3 | €17,671 | €10,705 | -€6,966 | -39.4% |
| Stocks | 30/36 | €17,671 | €10,705 | -€6,966 | -39.4% |
| Amounts receivable within one year | 40/41 | €73,880 | €48,311 | -€25,568 | -34.6% |
| Trade receivables | 40 | €62,164 | €38,207 | -€23,958 | -38.5% |
| Other amounts receivable | 41 | €11,715 | €10,105 | -€1,611 | -13.7% |
| Cash at bank and in hand | 54/58 | €86,479 | €112,522 | +€26,043 | +30.1% |
| Deferred charges and accrued income | 490/1 | €988 | €1,921 | +€933 | +94.4% |
| Total equity and liabilities | 10/49 | €219,030 | €202,521 | -€16,508 | -7.5% |
| Equity | 10/15 | €160,483 | €146,364 | -€14,119 | -8.8% |
| Contributions | 10/11 | €12,400 | €12,400 | = | 0.0% |
| Reserves | 13 | €45,860 | €45,860 | = | 0.0% |
| Distributable reserves | 133 | €45,860 | €45,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €102,223 | €88,104 | -€14,119 | -13.8% |
| Amounts payable | 17/49 | €58,547 | €56,157 | -€2,390 | -4.1% |
| Amounts payable within one year | 42/48 | €57,788 | €55,445 | -€2,344 | -4.1% |
| Trade debts | 44 | €3,675 | €3,041 | -€634 | -17.3% |
| Suppliers | 440/4 | €3,675 | €3,041 | -€634 | -17.3% |
| Taxes, remuneration and social security | 45 | €4,114 | €1,876 | -€2,238 | -54.4% |
| Taxes | 450/3 | €4,114 | €1,876 | -€2,238 | -54.4% |
| Other amounts payable | 47/48 | €50,000 | €50,528 | +€528 | +1.1% |
| Accrued charges and deferred income | 492/3 | €758 | €712 | -€46 | -6.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €13,290 | €14,136 | +€846 | +6.4% |
| Other operating charges | 640/8 | €393 | €304 | -€89 | -22.8% |
| Gross operating margin | 9900 | €49,519 | €1,177 | -€48,342 | -97.6% |
| Operating profit (loss) | 9901 | €35,835 | -€13,263 | -€49,098 | |
| Financial income | 75/76B | €881 | €774 | -€107 | -12.2% |
| Recurring financial income | 75 | €881 | €774 | -€107 | -12.2% |
| Financial charges | 65/66B | €1,989 | €1,446 | -€543 | -27.3% |
| Recurring financial charges | 65 | €1,989 | €1,446 | -€543 | -27.3% |
| Profit (loss) for the period before taxes | 9903 | €34,728 | -€13,935 | -€48,663 | |
| Income taxes | 67/77 | €10,074 | €183 | -€9,891 | -98.2% |
| Profit (loss) for the period | 9904 | €24,654 | -€14,119 | -€38,772 | |
| Profit (loss) for the period to be appropriated | 9905 | €24,654 | -€14,119 | -€38,772 |
Source: filed annual accounts (NBB), financial years ended 31 March 2025 and 31 March 2026. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 11 October 2026 via checked.be.