UNIFINANCE: what changed
What changed
UNIFINANCE
NACE 66.199, Other activities auxiliary to financial services, excluding insurance and pension funding
filed annual accounts (NBB)
Net result for the year
€122,463
2024 · €113,209+€9,254
Equity
€192,857
2024 · €275,844-€82,986
Cash
€434,119
2024 · €299,624+€134,495
Balance sheet total
€464,783
2024 · €313,542+€151,241
Largest movements
Assets
- Cash +€134,495
up €134,495 (+44.9%), from €299,624 to €434,119
mainly Other debts (+€233,497) and Net result for the year (+€122,463)
- Receivables within one year +€14,054
up €14,054 (+113%), from €12,412 to €26,466
of which Trade receivables: +€7,851
Equity and liabilities
- Other debts +€233,497
up €233,497 (+12,912%), from €1,808 to €235,305
- Reserves -€147,500
down €147,500 (-54.6%), from €270,000 to €122,500
- Revaluation surpluses +€64,551
new in 2025: €64,551
Income statement
- Financial income +€14,278
up €14,278 (+173,911%), from €8 to €14,286
- Taxes +€6,146
up €6,146 (+18.7%), from €32,794 to €38,940
- Gross operating margin +€2,012
up €2,012 (+1.3%), from €149,444 to €151,456
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€113,209
Gross operating margin
+€2,012
Depreciation
+€58
Other operating charges
-€416
Financial income
+€14,278
Financial charges
-€532
Taxes
-€6,146
Result 2025
€122,463
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€342,439
Investment
-€2,495
Financing
-€205,449
Cash 2024
€299,624
From operations (derived)
+€342,439
Net result for the year
+€122,463
Depreciation
+€621
Receivables within one year
-€14,054
Deferred charges and accrued income
-€818
Trade debts
+€730
Other debts
+€233,497
Investment (derived)
-€2,495
Investment in fixed assets (net)
-€2,495
Financing
-€205,449
Contributions, distributions and other
-€205,449
Cash 2025
€434,119
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €313,542 | €464,783 | +€151,241 | +48.2% |
| Fixed assets | 21/28 | €1,507 | €3,381 | +€1,874 | +124% |
| Tangible fixed assets | 22/27 | €1,422 | €3,296 | +€1,874 | +132% |
| Furniture and vehicles | 24 | €1,422 | €3,296 | +€1,874 | +132% |
| Financial fixed assets | 28 | €84 | €84 | = | 0.0% |
| Current assets | 29/58 | €312,036 | €461,402 | +€149,367 | +47.9% |
| Amounts receivable within one year | 40/41 | €12,412 | €26,466 | +€14,054 | +113% |
| Trade receivables | 40 | €11,723 | €19,574 | +€7,851 | +67.0% |
| Other amounts receivable | 41 | €688 | €6,892 | +€6,204 | +901% |
| Cash at bank and in hand | 54/58 | €299,624 | €434,119 | +€134,495 | +44.9% |
| Deferred charges and accrued income | 490/1 | - | €818 | +€818 | |
| Total equity and liabilities | 10/49 | €313,542 | €464,783 | +€151,241 | +48.2% |
| Equity | 10/15 | €275,844 | €192,857 | -€82,986 | -30.1% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Revaluation surpluses | 12 | - | €64,551 | +€64,551 | |
| Reserves | 13 | €270,000 | €122,500 | -€147,500 | -54.6% |
| Distributable reserves | 133 | €270,000 | €122,500 | -€147,500 | -54.6% |
| Profit (loss) carried forward | 14 | €844 | €807 | -€37 | -4.4% |
| Amounts payable | 17/49 | €37,699 | €271,926 | +€234,227 | +621% |
| Amounts payable within one year | 42/48 | €37,699 | €271,926 | +€234,227 | +621% |
| Trade debts | 44 | €1,186 | €1,916 | +€730 | +61.6% |
| Suppliers | 440/4 | €1,186 | €1,916 | +€730 | +61.6% |
| Taxes, remuneration and social security | 45 | €34,704 | €34,704 | = | 0.0% |
| Taxes | 450/3 | €32,794 | €32,794 | = | 0.0% |
| Remuneration and social security | 454/9 | €1,910 | €1,910 | = | 0.0% |
| Other amounts payable | 47/48 | €1,808 | €235,305 | +€233,497 | +12,912% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €678 | €621 | -€58 | -8.5% |
| Other operating charges | 640/8 | €501 | €918 | +€416 | +83.0% |
| Gross operating margin | 9900 | €149,444 | €151,456 | +€2,012 | +1.3% |
| Operating profit (loss) | 9901 | €148,265 | €149,918 | +€1,653 | +1.1% |
| Financial income | 75/76B | €8 | €14,286 | +€14,278 | +173,911% |
| Recurring financial income | 75 | €8 | €14,286 | +€14,278 | +173,911% |
| Financial charges | 65/66B | €2,269 | €2,801 | +€532 | +23.4% |
| Recurring financial charges | 65 | €2,269 | €2,801 | +€532 | +23.4% |
| Profit (loss) for the period before taxes | 9903 | €146,004 | €161,403 | +€15,400 | +10.5% |
| Income taxes | 67/77 | €32,794 | €38,940 | +€6,146 | +18.7% |
| Profit (loss) for the period | 9904 | €113,209 | €122,463 | +€9,254 | +8.2% |
| Profit (loss) for the period to be appropriated | 9905 | €113,209 | €122,463 | +€9,254 | +8.2% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 6 November 2026 via checked.be.