STARLING: 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.
STARLING
Largest movements
- Receivables within one year -€526
down €526 (-78.7%), from €669 to €142
- Profit (loss) carried forward -€3,178
down €3,178 (-1.4%), from -€223,862 to -€227,039
- Other debts +€1,941
up €1,941 (+1.0%), from €202,290 to €204,231
- Short-term financial debts +€710
up €710 (+19.5%), from €3,642 to €4,352
- Gross operating margin -€283
down €283 (-16.0%), from -€1,771 to -€2,054
- Financial charges +€26
up €26 (+4.1%), from €632 to €658
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 | €670 | €144 | -€526 | -78.5% |
| Current assets | 29/58 | €670 | €144 | -€526 | -78.5% |
| Amounts receivable within one year | 40/41 | €669 | €142 | -€526 | -78.7% |
| Trade receivables | 40 | €669 | €142 | -€526 | -78.7% |
| Cash at bank and in hand | 54/58 | €2 | €2 | -€0 | -8.2% |
| Total equity and liabilities | 10/49 | €670 | €144 | -€526 | -78.5% |
| Equity | 10/15 | -€205,262 | -€208,439 | -€3,178 | -1.5% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€223,862 | -€227,039 | -€3,178 | -1.4% |
| Amounts payable | 17/49 | €205,932 | €208,583 | +€2,651 | +1.3% |
| Amounts payable within one year | 42/48 | €205,932 | €208,583 | +€2,651 | +1.3% |
| Financial debts | 43 | €3,642 | €4,352 | +€710 | +19.5% |
| Credit institutions | 430/8 | €3,642 | €4,352 | +€710 | +19.5% |
| Other amounts payable | 47/48 | €202,290 | €204,231 | +€1,941 | +1.0% |
| Other operating charges | 640/8 | €486 | €465 | -€20 | -4.2% |
| Gross operating margin | 9900 | -€1,771 | -€2,054 | -€283 | -16.0% |
| Operating profit (loss) | 9901 | -€2,257 | -€2,519 | -€262 | -11.6% |
| Financial charges | 65/66B | €632 | €658 | +€26 | +4.1% |
| Recurring financial charges | 65 | €632 | €658 | +€26 | +4.1% |
| Profit (loss) for the period before taxes | 9903 | -€2,889 | -€3,178 | -€288 | -10.0% |
| Profit (loss) for the period | 9904 | -€2,889 | -€3,178 | -€288 | -10.0% |
| Profit (loss) for the period to be appropriated | 9905 | -€2,889 | -€3,178 | -€288 | -10.0% |
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 30 September 2026 via checked.be.