Payminder: what changed
Payminder
Largest movements
- Intangible fixed assets -€3,060
down €3,060 (-25.0%), from €12,242 to €9,182
- Cash -€1,065
down €1,065 (-58.1%), from €1,834 to €769
mainly Net result for the year (-€7,046) and Receivables within one year (-€922)
- Receivables within one year +€922
up €922 (+126%), from €730 to €1,653
of which Trade receivables: +€672
- Formation expenses -€620
down €620 (-35.3%), from €1,757 to €1,138
- Deferred charges and accrued income -€268
down €268 (-93.1%), from €288 to €20
- Profit (loss) carried forward -€7,046
down €7,046 (-52.1%), from -€13,535 to -€20,581
- Advances received +€2,300
up €2,300 (+1,679%), from €137 to €2,437
- Other debts +€1,406
up €1,406 (+8.2%), from €17,074 to €18,480
- Trade debts -€751
down €751 (-23.6%), from €3,175 to €2,424
- Gross operating margin +€907
up €907 (+25.3%), from -€3,591 to -€2,683
- Other operating charges -€554
down €554 (-51.2%), from €1,081 to €527
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €16,851 | €12,761 | -€4,091 | -24.3% |
| Formation expenses | 20 | €1,757 | €1,138 | -€620 | -35.3% |
| Fixed assets | 21/28 | €12,242 | €9,182 | -€3,060 | -25.0% |
| Intangible fixed assets | 21 | €12,242 | €9,182 | -€3,060 | -25.0% |
| Current assets | 29/58 | €2,852 | €2,441 | -€411 | -14.4% |
| Amounts receivable within one year | 40/41 | €730 | €1,653 | +€922 | +126% |
| Trade receivables | 40 | €313 | €985 | +€672 | +215% |
| Other amounts receivable | 41 | €417 | €667 | +€250 | +59.8% |
| Cash at bank and in hand | 54/58 | €1,834 | €769 | -€1,065 | -58.1% |
| Deferred charges and accrued income | 490/1 | €288 | €20 | -€268 | -93.1% |
| Total equity and liabilities | 10/49 | €16,851 | €12,761 | -€4,091 | -24.3% |
| Equity | 10/15 | -€3,535 | -€10,581 | -€7,046 | -199% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€13,535 | -€20,581 | -€7,046 | -52.1% |
| Amounts payable | 17/49 | €20,386 | €23,341 | +€2,955 | +14.5% |
| Amounts payable within one year | 42/48 | €20,386 | €23,341 | +€2,955 | +14.5% |
| Trade debts | 44 | €3,175 | €2,424 | -€751 | -23.6% |
| Suppliers | 440/4 | €3,175 | €2,424 | -€751 | -23.6% |
| Advances received on contracts in progress | 46 | €137 | €2,437 | +€2,300 | +1,679% |
| Taxes, remuneration and social security | 45 | €0 | - | = | |
| Taxes | 450/3 | €0 | - | = | |
| Other amounts payable | 47/48 | €17,074 | €18,480 | +€1,406 | +8.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,680 | €3,680 | = | 0.0% |
| Other operating charges | 640/8 | €1,081 | €527 | -€554 | -51.2% |
| Gross operating margin | 9900 | -€3,591 | -€2,683 | +€907 | +25.3% |
| Operating profit (loss) | 9901 | -€8,352 | -€6,891 | +€1,461 | +17.5% |
| Financial charges | 65/66B | €150 | €155 | +€4 | +2.8% |
| Recurring financial charges | 65 | €150 | €155 | +€4 | +2.8% |
| Profit (loss) for the period before taxes | 9903 | -€8,503 | -€7,046 | +€1,457 | +17.1% |
| Profit (loss) for the period | 9904 | -€8,503 | -€7,046 | +€1,457 | +17.1% |
| Profit (loss) for the period to be appropriated | 9905 | -€8,503 | -€7,046 | +€1,457 | +17.1% |
Next steps
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 2 November 2026 via checked.be.