T-Advisor: 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.
T-Advisor
Largest movements
- Cash -€45,320
down €45,320 (-60.6%), from €74,846 to €29,527
mainly Investment in fixed assets (net) (-€37,320) and Tax, wage and social debts (-€17,867)
- Financial fixed assets +€30,000
new in 2025: €30,000
- Tangible fixed assets -€4,934
down €4,934 (-12.4%), from €39,647 to €34,713
of which Furniture and vehicles: -€3,909
- Receivables within one year -€3,119
down €3,119 (-23.0%), from €13,552 to €10,433
of which Trade receivables: -€3,606
- Tax, wage and social debts -€17,867
down €17,867 (-54.2%), from €32,942 to €15,075
of which Taxes: -€15,467
- Debts after one year -€8,013
down €8,013 (-34.7%), from €23,090 to €15,077
- Reserves +€4,490
up €4,490 (+7.6%), from €59,000 to €63,490
- Other debts -€2,185
down €2,185 (-71.8%), from €3,045 to €860
- Gross operating margin -€76,616
down €76,616 (-77.8%), from €98,425 to €21,809
- Taxes -€20,414
down €20,414 (-89.3%), from €22,871 to €2,457
- Financial charges -€1,062
down €1,062 (-39.1%), from €2,716 to €1,655
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 | €129,469 | €106,377 | -€23,092 | -17.8% |
| Fixed assets | 21/28 | €39,647 | €64,713 | +€25,066 | +63.2% |
| Tangible fixed assets | 22/27 | €39,647 | €34,713 | -€4,934 | -12.4% |
| Plant, machinery and equipment | 23 | €4,676 | €3,652 | -€1,025 | -21.9% |
| Furniture and vehicles | 24 | €34,970 | €31,061 | -€3,909 | -11.2% |
| Financial fixed assets | 28 | - | €30,000 | +€30,000 | |
| Current assets | 29/58 | €89,822 | €41,664 | -€48,158 | -53.6% |
| Amounts receivable within one year | 40/41 | €13,552 | €10,433 | -€3,119 | -23.0% |
| Trade receivables | 40 | €13,552 | €9,946 | -€3,606 | -26.6% |
| Other amounts receivable | 41 | - | €487 | +€487 | |
| Cash at bank and in hand | 54/58 | €74,846 | €29,527 | -€45,320 | -60.6% |
| Deferred charges and accrued income | 490/1 | €1,424 | €1,705 | +€280 | +19.7% |
| Total equity and liabilities | 10/49 | €129,469 | €106,377 | -€23,092 | -17.8% |
| Equity | 10/15 | €60,000 | €64,491 | +€4,491 | +7.5% |
| Contributions | 10/11 | €1,000 | €1,000 | = | 0.0% |
| Reserves | 13 | €59,000 | €63,490 | +€4,490 | +7.6% |
| Distributable reserves | 133 | €59,000 | €63,490 | +€4,490 | +7.6% |
| Profit (loss) carried forward | 14 | €0 | €1 | +€1 | +850% |
| Amounts payable | 17/49 | €69,469 | €41,886 | -€27,583 | -39.7% |
| Amounts payable after more than one year | 17 | €23,090 | €15,077 | -€8,013 | -34.7% |
| Financial debts | 170/4 | €23,090 | €15,077 | -€8,013 | -34.7% |
| Amounts payable within one year | 42/48 | €46,379 | €26,700 | -€19,679 | -42.4% |
| Current portion of amounts payable after more than one year | 42 | €7,604 | €8,013 | +€410 | +5.4% |
| Trade debts | 44 | €2,788 | €2,751 | -€37 | -1.3% |
| Suppliers | 440/4 | €2,788 | €2,751 | -€37 | -1.3% |
| Taxes, remuneration and social security | 45 | €32,942 | €15,075 | -€17,867 | -54.2% |
| Taxes | 450/3 | €30,542 | €15,075 | -€15,467 | -50.6% |
| Remuneration and social security | 454/9 | €2,400 | €0 | -€2,400 | -100% |
| Other amounts payable | 47/48 | €3,045 | €860 | -€2,185 | -71.8% |
| Accrued charges and deferred income | 492/3 | - | €110 | +€110 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €12,814 | €12,254 | -€560 | -4.4% |
| Other operating charges | 640/8 | €206 | €93 | -€113 | -54.9% |
| Gross operating margin | 9900 | €98,425 | €21,809 | -€76,616 | -77.8% |
| Operating profit (loss) | 9901 | €85,406 | €9,462 | -€75,943 | -88.9% |
| Financial income | 75/76B | €15 | €0 | -€15 | -100% |
| Recurring financial income | 75 | €15 | €0 | -€15 | -100% |
| Financial charges | 65/66B | €2,716 | €1,655 | -€1,062 | -39.1% |
| Recurring financial charges | 65 | €2,716 | €1,655 | -€1,062 | -39.1% |
| Profit (loss) for the period before taxes | 9903 | €82,704 | €7,808 | -€74,897 | -90.6% |
| Income taxes | 67/77 | €22,871 | €2,457 | -€20,414 | -89.3% |
| Profit (loss) for the period | 9904 | €59,833 | €5,351 | -€54,482 | -91.1% |
| Profit (loss) for the period to be appropriated | 9905 | €59,833 | €5,351 | -€54,482 | -91.1% |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 15 October 2026 via checked.be.