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PROXAFINANCES: what changed

What changed

PROXAFINANCES

BE 0705.965.109
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Financial years compared with
Net result for the year
€210,667
2024 · €40,403+€170,265
Equity
€151,143
2024 · €60,476+€90,667
Cash
€52,949
2024 · €34,191+€18,758
Balance sheet total
€511,605
2024 · €387,847+€123,758

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€84,779

    up €84,779 (+510%), from €16,608 to €101,387

    of which Other tangible fixed assets: +€85,537

  • Receivables within one year +€83,773

    up €83,773 (+712%), from €11,764 to €95,537

  • Intangible fixed assets -€70,814

    down €70,814 (-29.8%), from €237,750 to €166,936

  • Cash +€18,758

    up €18,758 (+54.9%), from €34,191 to €52,949

    mainly Net result for the year (+€210,667) and Other debts (+€120,000)

  • Deferred charges and accrued income +€7,263

    up €7,263 (+16.1%), from €45,103 to €52,366

Equity and liabilities
  • Other debts +€120,000

    new in 2025: €120,000

  • Debts after one year -€119,258

    down €119,258 (-56.3%), from €211,840 to €92,582

  • Profit (loss) carried forward +€90,667

    up €90,667 (+217%), from €41,876 to €132,543

  • Tax, wage and social debts +€39,583

    up €39,583 (+106%), from €37,469 to €77,052

    of which Taxes: +€40,944

  • Current portion of long-term debt -€6,495

    down €6,495 (-9.3%), from €69,555 to €63,060

Income statement
  • Gross operating margin +€241,217

    up €241,217 (+59.9%), from €402,979 to €644,196

  • Taxes +€55,513

    up €55,513 (+285%), from €19,505 to €75,018

  • Staff costs +€33,419

    up €33,419 (+12.7%), from €262,581 to €296,000

  • Depreciation -€14,875

    down €14,875 (-22.5%), from €66,256 to €51,381

Change in the result, 2024 to 2025

effect on the result

For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.

Result 2024 €40,403
Gross operating margin +€241,217
Staff costs -€33,419
Depreciation +€14,875
Other operating charges -€1,026
Other operating items +€785
Financial income +€1,039
Financial charges +€2,307
Taxes -€55,513
Result 2025 €210,667
raises the resultlowers the resultnot broken down further in the accounts

Derived cash bridge

cash 2024 to 2025

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.

From operations +€329,856
Investment -€65,346
Financing -€245,752
Cash 2024 €34,191
Net result for the year +€210,667
Depreciation +€51,381
Receivables within one year -€83,773
Deferred charges and accrued income -€7,263
Trade debts -€740
Tax, wage and social debts +€39,583
Other debts +€120,000
Investment in fixed assets (net) -€65,346
Debts after one year -€119,258
Current portion of long-term debt -€6,495
Contributions, distributions and other -€120,000
Cash 2025 €52,949
brings cash intakes cash out
Every line side by side 42 lines
Line Code 2024 2025 Change %
Total assets 20/58 €387,847 €511,605 +€123,758 +31.9%
Fixed assets 21/28 €254,358 €268,323 +€13,965 +5.5%
Intangible fixed assets 21 €237,750 €166,936 -€70,814 -29.8%
Tangible fixed assets 22/27 €16,608 €101,387 +€84,779 +510%
Furniture and vehicles 24 €16,608 €15,849 -€759 -4.6%
Other tangible fixed assets 26 - €85,537 +€85,537
Current assets 29/58 €133,489 €243,282 +€109,793 +82.2%
Amounts receivable within one year 40/41 €11,764 €95,537 +€83,773 +712%
Other amounts receivable 41 €11,764 €95,537 +€83,773 +712%
Current investments 50/53 €42,430 €42,430 = 0.0%
Cash at bank and in hand 54/58 €34,191 €52,949 +€18,758 +54.9%
Deferred charges and accrued income 490/1 €45,103 €52,366 +€7,263 +16.1%
Total equity and liabilities 10/49 €387,847 €511,605 +€123,758 +31.9%
Equity 10/15 €60,476 €151,143 +€90,667 +150%
Contributions 10/11 €18,600 €18,600 = 0.0%
Profit (loss) carried forward 14 €41,876 €132,543 +€90,667 +217%
Amounts payable 17/49 €327,371 €360,462 +€33,091 +10.1%
Amounts payable after more than one year 17 €211,840 €92,582 -€119,258 -56.3%
Financial debts 170/4 €211,840 €92,582 -€119,258 -56.3%
Amounts payable within one year 42/48 €115,532 €267,880 +€152,349 +132%
Current portion of amounts payable after more than one year 42 €69,555 €63,060 -€6,495 -9.3%
Trade debts 44 €8,508 €7,768 -€740 -8.7%
Suppliers 440/4 €8,508 €7,768 -€740 -8.7%
Taxes, remuneration and social security 45 €37,469 €77,052 +€39,583 +106%
Taxes 450/3 €1,872 €42,816 +€40,944 +2,187%
Remuneration and social security 454/9 €35,597 €34,236 -€1,360 -3.8%
Other amounts payable 47/48 - €120,000 +€120,000
Non-recurring operating income 76A - €72,000 +€72,000
Remuneration, social security and pensions 62 €262,581 €296,000 +€33,419 +12.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €66,256 €51,381 -€14,875 -22.5%
Other operating charges 640/8 €4,701 €5,727 +€1,026 +21.8%
Non-recurring operating charges 66A €1,190 €405 -€785 -66.0%
Gross operating margin 9900 €402,979 €644,196 +€241,217 +59.9%
Operating profit (loss) 9901 €68,251 €290,683 +€222,432 +326%
Financial income 75/76B €7 €1,046 +€1,039 +14,115%
Recurring financial income 75 €7 €1,046 +€1,039 +14,115%
Financial charges 65/66B €8,351 €6,045 -€2,307 -27.6%
Recurring financial charges 65 €8,351 €6,045 -€2,307 -27.6%
Profit (loss) for the period before taxes 9903 €59,908 €285,685 +€225,777 +377%
Income taxes 67/77 €19,505 €75,018 +€55,513 +285%
Profit (loss) for the period 9904 €40,403 €210,667 +€170,265 +421%
Profit (loss) for the period to be appropriated 9905 €40,403 €210,667 +€170,265 +421%
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.