Peer-to-Peer: what changed
Two fiscal 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.
Peer-to-Peer
Largest movements
- Cash +€61,849
up €61,849 (+62.1%), from €99,652 to €161,501
mainly Net result for the year (+€58,693) and Depreciation (+€16,718)
- Tangible fixed assets -€14,334
down €14,334 (-50.2%), from €28,577 to €14,243
- Receivables within one year +€6,870
up €6,870 (+18.6%), from €36,929 to €43,799
of which Trade receivables: +€6,872
- Profit (loss) carried forward +€58,693
up €58,693 (+54.5%), from €107,648 to €166,341
- Other debts -€5,000
down €5,000 (-25.0%), from €19,976 to €14,976
- Gross operating margin +€11,128
up €11,128 (+13.6%), from €81,844 to €92,972
- Taxes +€2,303
up €2,303 (+16.9%), from €13,652 to €15,955
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €167,342 | €221,178 | +€53,836 | +32.2% |
| Fixed assets | 21/28 | €28,577 | €14,243 | -€14,334 | -50.2% |
| Tangible fixed assets | 22/27 | €28,577 | €14,243 | -€14,334 | -50.2% |
| Furniture and vehicles | 24 | €28,577 | €14,243 | -€14,334 | -50.2% |
| Current assets | 29/58 | €138,764 | €206,934 | +€68,170 | +49.1% |
| Amounts receivable within one year | 40/41 | €36,929 | €43,799 | +€6,870 | +18.6% |
| Trade receivables | 40 | €36,922 | €43,794 | +€6,872 | +18.6% |
| Other amounts receivable | 41 | €6 | €5 | -€2 | -25.5% |
| Cash at bank and in hand | 54/58 | €99,652 | €161,501 | +€61,849 | +62.1% |
| Deferred charges and accrued income | 490/1 | €2,184 | €1,634 | -€550 | -25.2% |
| Total equity and liabilities | 10/49 | €167,342 | €221,178 | +€53,836 | +32.2% |
| Equity | 10/15 | €112,648 | €171,341 | +€58,693 | +52.1% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €107,648 | €166,341 | +€58,693 | +54.5% |
| Amounts payable | 17/49 | €54,694 | €49,837 | -€4,858 | -8.9% |
| Amounts payable within one year | 42/48 | €50,074 | €43,845 | -€6,229 | -12.4% |
| Trade debts | 44 | €893 | €116 | -€777 | -87.0% |
| Suppliers | 440/4 | €893 | €116 | -€777 | -87.0% |
| Taxes, remuneration and social security | 45 | €29,205 | €28,753 | -€452 | -1.5% |
| Taxes | 450/3 | €29,205 | €28,753 | -€452 | -1.5% |
| Other amounts payable | 47/48 | €19,976 | €14,976 | -€5,000 | -25.0% |
| Accrued charges and deferred income | 492/3 | €4,620 | €5,992 | +€1,372 | +29.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €16,318 | €16,718 | +€400 | +2.5% |
| Other operating charges | 640/8 | €712 | €971 | +€259 | +36.3% |
| Gross operating margin | 9900 | €81,844 | €92,972 | +€11,128 | +13.6% |
| Operating profit (loss) | 9901 | €64,814 | €75,283 | +€10,469 | +16.2% |
| Financial income | 75/76B | €36 | €887 | +€851 | +2373.4% |
| Recurring financial income | 75 | €36 | €887 | +€851 | +2373.4% |
| Financial charges | 65/66B | €1,657 | €1,522 | -€135 | -8.2% |
| Recurring financial charges | 65 | €1,657 | €1,522 | -€135 | -8.2% |
| Profit (loss) for the period before taxes | 9903 | €63,193 | €74,649 | +€11,455 | +18.1% |
| Income taxes | 67/77 | €13,652 | €15,955 | +€2,303 | +16.9% |
| Profit (loss) for the period | 9904 | €49,541 | €58,693 | +€9,152 | +18.5% |
| Profit (loss) for the period to be appropriated | 9905 | €49,541 | €58,693 | +€9,152 | +18.5% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 5 October 2026 via checked.be.