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Thruvo: 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.

What changed

Thruvo

BE 0431.537.558
NACE 66.191, Agents and brokers in banking services
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€125,314
2024 · €307,106-€181,791
Equity
€566,123
2024 · €665,808-€99,686
Cash
€734,481
2024 · €815,041-€80,560
Balance sheet total
€1.5m
2024 · €1.5m+€23,749

Largest movements

2024 to 2025
Assets
  • Intangible fixed assets +€282,662

    up €282,662 (+184.4%), from €153,264 to €435,926

  • Current investments -€100,000

    no longer reported in 2025 (was €100,000)

  • Cash -€80,560

    down €80,560 (-9.9%), from €815,041 to €734,481

    mainly Investment in fixed assets (net) (-€422,359) and Contributions, distributions and other (-€225,000)

  • Tangible fixed assets -€42,324

    down €42,324 (-23.8%), from €177,948 to €135,625

    of which Furniture and vehicles: -€46,112

  • Receivables within one year -€26,123

    down €26,123 (-22.2%), from €117,429 to €91,306

    of which Trade receivables: -€87,922

Equity and liabilities
  • Other debts +€224,508

    up €224,508 (+18025.3%), from €1,246 to €225,754

  • Trade debts -€114,427

    down €114,427 (-49.0%), from €233,708 to €119,281

  • Reserves -€99,686

    down €99,686 (-18.7%), from €533,375 to €433,689

  • Debts after one year +€70,519

    up €70,519 (+24.7%), from €285,170 to €355,689

  • Short-term financial debts -€69,480

    no longer reported in 2025 (was €69,480)

Income statement
  • Staff costs +€490,241

    up €490,241 (+79.2%), from €618,707 to €1.1m

  • Gross operating margin +€361,040

    up €361,040 (+31.4%), from €1.2m to €1.5m

  • Depreciation +€83,930

    up €83,930 (+85.2%), from €98,453 to €182,384

  • Taxes -€54,509

    down €54,509 (-46.7%), from €116,681 to €62,172

  • Other operating charges +€17,262

    up €17,262 (+206.2%), from €8,372 to €25,634

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 €307,106
Gross operating margin +€361,040
Staff costs -€490,241
Depreciation -€83,930
Other operating charges -€17,262
Financial income -€698
Financial charges -€5,209
Taxes +€54,509
Result 2025 €125,314

Cash bridge derived

cash 2024 to 2025

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.

From operations +€422,920
Investment -€322,359
Financing -€181,121
Cash 2024 €815,041
Net result for the year +€125,314
Depreciation +€182,384
Receivables within one year +€26,123
Deferred charges and accrued income +€9,543
Trade debts -€114,427
Tax, wage and social debts +€11,232
Other debts +€224,508
Accrued charges and deferred income -€41,758
Investment in fixed assets (net) -€422,359
Current investments +€100,000
Debts after one year +€70,519
Current portion of long-term debt +€42,840
Short-term financial debts -€69,480
Contributions, distributions and other -€225,000
Cash 2025 €734,481
Every line side by side 47 lines
Line Code 2024 2025 Change %
Total assets 20/58 €1,469,428 €1,493,177 +€23,749 +1.6%
Fixed assets 21/28 €333,444 €573,419 +€239,976 +72.0%
Intangible fixed assets 21 €153,264 €435,926 +€282,662 +184.4%
Tangible fixed assets 22/27 €177,948 €135,625 -€42,324 -23.8%
Land and buildings 22 €3,080 €2,920 -€160 -5.2%
Plant, machinery and equipment 23 - €14,644 +€14,644
Furniture and vehicles 24 €148,351 €102,239 -€46,112 -31.1%
Other tangible fixed assets 26 €26,517 €15,822 -€10,695 -40.3%
Financial fixed assets 28 €2,231 €1,868 -€363 -16.3%
Current assets 29/58 €1,135,985 €919,758 -€216,227 -19.0%
Amounts receivable within one year 40/41 €117,429 €91,306 -€26,123 -22.2%
Trade receivables 40 €101,949 €14,027 -€87,922 -86.2%
Other amounts receivable 41 €15,480 €77,279 +€61,799 +399.2%
Current investments 50/53 €100,000 - -€100,000
Cash at bank and in hand 54/58 €815,041 €734,481 -€80,560 -9.9%
Deferred charges and accrued income 490/1 €103,515 €93,971 -€9,543 -9.2%
Total equity and liabilities 10/49 €1,469,428 €1,493,177 +€23,749 +1.6%
Equity 10/15 €665,808 €566,123 -€99,686 -15.0%
Contributions 10/11 €132,434 €132,434 = 0.0%
Reserves 13 €533,375 €433,689 -€99,686 -18.7%
Distributable reserves 133 €533,375 €433,689 -€99,686 -18.7%
Amounts payable 17/49 €803,620 €927,054 +€123,434 +15.4%
Amounts payable after more than one year 17 €285,170 €355,689 +€70,519 +24.7%
Financial debts 170/4 €285,170 €355,689 +€70,519 +24.7%
Amounts payable within one year 42/48 €469,189 €563,863 +€94,674 +20.2%
Current portion of amounts payable after more than one year 42 €86,641 €129,481 +€42,840 +49.4%
Financial debts 43 €69,480 - -€69,480
Credit institutions 430/8 €69,480 - -€69,480
Trade debts 44 €233,708 €119,281 -€114,427 -49.0%
Suppliers 440/4 €233,708 €119,281 -€114,427 -49.0%
Taxes, remuneration and social security 45 €78,115 €89,347 +€11,232 +14.4%
Remuneration and social security 454/9 €78,115 €89,347 +€11,232 +14.4%
Other amounts payable 47/48 €1,246 €225,754 +€224,508 +18025.3%
Accrued charges and deferred income 492/3 €49,260 €7,502 -€41,758 -84.8%
Remuneration, social security and pensions 62 €618,707 €1,108,948 +€490,241 +79.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €98,453 €182,384 +€83,930 +85.2%
Other operating charges 640/8 €8,372 €25,634 +€17,262 +206.2%
Gross operating margin 9900 €1,150,534 €1,511,575 +€361,040 +31.4%
Operating profit (loss) 9901 €425,002 €194,609 -€230,393 -54.2%
Financial income 75/76B €10,666 €9,968 -€698 -6.5%
Recurring financial income 75 €10,666 €9,968 -€698 -6.5%
Financial charges 65/66B €11,882 €17,091 +€5,209 +43.8%
Recurring financial charges 65 €11,882 €17,091 +€5,209 +43.8%
Profit (loss) for the period before taxes 9903 €423,787 €187,486 -€236,301 -55.8%
Income taxes 67/77 €116,681 €62,172 -€54,509 -46.7%
Profit (loss) for the period 9904 €307,106 €125,314 -€181,791 -59.2%
Profit (loss) for the period to be appropriated 9905 €307,106 €125,314 -€181,791 -59.2%

Source: filed annual accounts (NBB), fiscal years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.