RIPPLE CONSULTING: 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.
RIPPLE CONSULTING
Largest movements
- Cash +€128,262
up €128,262 (+271%), from €47,288 to €175,550
mainly Current investments (+€87,060) and Net result for the year (+€61,600)
- Current investments -€87,060
down €87,060 (-87.4%), from €99,659 to €12,599
- Receivables within one year +€14,203
up €14,203 (+3,042%), from €467 to €14,670
of which Trade receivables: +€14,670
- Profit (loss) carried forward +€60,767
up €60,767 (+53.5%), from €113,549 to €174,316
- Tax, wage and social debts -€11,011
down €11,011 (-42.5%), from €25,905 to €14,894
- Debts after one year +€4,803
up €4,803 (+793%), from €605 to €5,408
- Accrued charges and deferred income -€3,869
no longer reported in 2025 (was €3,869)
- Trade debts +€3,859
up €3,859 (+230%), from €1,675 to €5,534
- Gross operating margin -€39,492
down €39,492 (-31.8%), from €124,284 to €84,792
- Financial charges +€11,927
up €11,927 (+1,053%), from €1,132 to €13,059
- Taxes -€10,188
down €10,188 (-39.7%), from €25,665 to €15,477
- Financial income +€6,041
up €6,041 (+272,105%), from €2 to €6,043
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.
Derived cash bridge
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 | €149,163 | €203,984 | +€54,821 | +36.8% |
| Fixed assets | 21/28 | €1,629 | €995 | -€633 | -38.9% |
| Tangible fixed assets | 22/27 | €1,629 | €995 | -€633 | -38.9% |
| Plant, machinery and equipment | 23 | €1,629 | €995 | -€633 | -38.9% |
| Current assets | 29/58 | €147,535 | €202,989 | +€55,454 | +37.6% |
| Amounts receivable within one year | 40/41 | €467 | €14,670 | +€14,203 | +3,042% |
| Trade receivables | 40 | - | €14,670 | +€14,670 | |
| Other amounts receivable | 41 | €467 | - | -€467 | |
| Current investments | 50/53 | €99,659 | €12,599 | -€87,060 | -87.4% |
| Cash at bank and in hand | 54/58 | €47,288 | €175,550 | +€128,262 | +271% |
| Deferred charges and accrued income | 490/1 | €121 | €171 | +€49 | +40.8% |
| Total equity and liabilities | 10/49 | €149,163 | €203,984 | +€54,821 | +36.8% |
| Equity | 10/15 | €116,549 | €177,316 | +€60,767 | +52.1% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €113,549 | €174,316 | +€60,767 | +53.5% |
| Amounts payable | 17/49 | €32,615 | €26,669 | -€5,946 | -18.2% |
| Amounts payable after more than one year | 17 | €605 | €5,408 | +€4,803 | +793% |
| Other amounts payable | 178/9 | €605 | €5,408 | +€4,803 | +793% |
| Amounts payable within one year | 42/48 | €28,140 | €21,261 | -€6,879 | -24.4% |
| Trade debts | 44 | €1,675 | €5,534 | +€3,859 | +230% |
| Suppliers | 440/4 | €1,675 | €5,534 | +€3,859 | +230% |
| Taxes, remuneration and social security | 45 | €25,905 | €14,894 | -€11,011 | -42.5% |
| Taxes | 450/3 | €25,905 | €14,894 | -€11,011 | -42.5% |
| Other amounts payable | 47/48 | €560 | €833 | +€273 | +48.8% |
| Accrued charges and deferred income | 492/3 | €3,869 | - | -€3,869 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €472 | €633 | +€161 | +34.0% |
| Other operating charges | 640/8 | €64 | €66 | +€2 | +3.0% |
| Gross operating margin | 9900 | €124,284 | €84,792 | -€39,492 | -31.8% |
| Operating profit (loss) | 9901 | €123,748 | €84,093 | -€39,654 | -32.0% |
| Financial income | 75/76B | €2 | €6,043 | +€6,041 | +272,105% |
| Recurring financial income | 75 | €2 | €6,043 | +€6,041 | +272,105% |
| Financial charges | 65/66B | €1,132 | €13,059 | +€11,927 | +1,053% |
| Recurring financial charges | 65 | €1,132 | €13,059 | +€11,927 | +1,053% |
| Profit (loss) for the period before taxes | 9903 | €122,618 | €77,077 | -€45,541 | -37.1% |
| Income taxes | 67/77 | €25,665 | €15,477 | -€10,188 | -39.7% |
| Profit (loss) for the period | 9904 | €96,953 | €61,600 | -€35,353 | -36.5% |
| Profit (loss) for the period to be appropriated | 9905 | €96,953 | €61,600 | -€35,353 | -36.5% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 25 October 2026 via checked.be.