STONECO: 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.
STONECO
Largest movements
- Receivables within one year +€140,472
new in 2025: €140,472
of which Trade receivables: +€126,057
- Tangible fixed assets -€88,574
down €88,574 (-3.1%), from €2.8m to €2.7m
of which Leasing and similar rights: -€79,014
- Debts after one year -€158,075
down €158,075 (-11.8%), from €1.3m to €1.2m
of which Financial debts: -€185,212
- Profit (loss) carried forward +€133,757
up €133,757 (+102.7%), from €130,255 to €264,012
- Short-term financial debts +€47,911
new in 2025: €47,911
- Accrued charges and deferred income +€39,160
new in 2025: €39,160
- Trade debts -€29,925
down €29,925 (-84.3%), from €35,488 to €5,563
- Gross operating margin +€130,326
up €130,326 (+53.6%), from €242,954 to €373,280
- Financial charges +€50,159
up €50,159 (+309.7%), from €16,196 to €66,355
- Taxes +€19,184
up €19,184 (+75.5%), from €25,401 to €44,585
- Other operating charges -€4,961
down €4,961 (-11.0%), from €44,970 to €40,009
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 | €2,834,118 | €2,889,537 | +€55,419 | +2.0% |
| Fixed assets | 21/28 | €2,825,781 | €2,737,207 | -€88,574 | -3.1% |
| Tangible fixed assets | 22/27 | €2,825,781 | €2,737,207 | -€88,574 | -3.1% |
| Land and buildings | 22 | €675,000 | €675,000 | = | 0.0% |
| Leasing and similar rights | 25 | €2,001,678 | €1,922,664 | -€79,014 | -3.9% |
| Other tangible fixed assets | 26 | €149,103 | €139,543 | -€9,560 | -6.4% |
| Current assets | 29/58 | €8,337 | €152,330 | +€143,993 | +1727.2% |
| Amounts receivable within one year | 40/41 | - | €140,472 | +€140,472 | |
| Trade receivables | 40 | - | €126,057 | +€126,057 | |
| Other amounts receivable | 41 | - | €14,415 | +€14,415 | |
| Cash at bank and in hand | 54/58 | €238 | - | -€238 | |
| Deferred charges and accrued income | 490/1 | €8,099 | €11,858 | +€3,759 | +46.4% |
| Total equity and liabilities | 10/49 | €2,834,118 | €2,889,537 | +€55,419 | +2.0% |
| Equity | 10/15 | €1,248,805 | €1,382,562 | +€133,757 | +10.7% |
| Contributions | 10/11 | €1,118,550 | €1,118,550 | = | 0.0% |
| Profit (loss) carried forward | 14 | €130,255 | €264,012 | +€133,757 | +102.7% |
| Amounts payable | 17/49 | €1,585,313 | €1,506,975 | -€78,338 | -4.9% |
| Amounts payable after more than one year | 17 | €1,345,020 | €1,186,945 | -€158,075 | -11.8% |
| Financial debts | 170/4 | €185,212 | - | -€185,212 | |
| Trade debts | 175 | €1,159,808 | €1,186,945 | +€27,137 | +2.3% |
| Amounts payable within one year | 42/48 | €240,293 | €280,870 | +€40,577 | +16.9% |
| Current portion of amounts payable after more than one year | 42 | €179,404 | €185,212 | +€5,808 | +3.2% |
| Financial debts | 43 | - | €47,911 | +€47,911 | |
| Credit institutions | 430/8 | - | €47,911 | +€47,911 | |
| Trade debts | 44 | €35,488 | €5,563 | -€29,925 | -84.3% |
| Suppliers | 440/4 | €35,488 | €5,563 | -€29,925 | -84.3% |
| Taxes, remuneration and social security | 45 | €25,401 | €42,184 | +€16,783 | +66.1% |
| Taxes | 450/3 | €25,401 | €42,184 | +€16,783 | +66.1% |
| Accrued charges and deferred income | 492/3 | - | €39,160 | +€39,160 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €88,573 | €88,574 | +€1 | 0.0% |
| Other operating charges | 640/8 | €44,970 | €40,009 | -€4,961 | -11.0% |
| Gross operating margin | 9900 | €242,954 | €373,280 | +€130,326 | +53.6% |
| Operating profit (loss) | 9901 | €109,411 | €244,697 | +€135,286 | +123.6% |
| Financial charges | 65/66B | €16,196 | €66,355 | +€50,159 | +309.7% |
| Recurring financial charges | 65 | €16,196 | €66,355 | +€50,159 | +309.7% |
| Profit (loss) for the period before taxes | 9903 | €93,215 | €178,342 | +€85,127 | +91.3% |
| Income taxes | 67/77 | €25,401 | €44,585 | +€19,184 | +75.5% |
| Profit (loss) for the period | 9904 | €67,814 | €133,757 | +€65,943 | +97.2% |
| Profit (loss) for the period to be appropriated | 9905 | €67,814 | €133,757 | +€65,943 | +97.2% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 11 October 2026 via checked.be.