ZenFin Consult: 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.
ZenFin Consult
Largest movements
- Cash +€12,070
up €12,070 (+20.7%), from €58,412 to €70,482
mainly Other debts (+€28,742) and Receivables within one year (+€5,746)
- Receivables within one year -€5,746
down €5,746 (-70.5%), from €8,151 to €2,405
of which Trade receivables: -€5,178
- Other debts +€28,742
up €28,742 (+40.3%), from €71,370 to €100,112
- Profit (loss) carried forward -€21,362
down €21,362 (-198%), from -€10,814 to -€32,175
- Trade debts -€857
down €857 (-73.6%), from €1,165 to €308
- Gross operating margin -€17,782
down €17,782, from €666 to -€17,116
- Financial charges +€1,342
up €1,342 (+63.6%), from €2,111 to €3,453
of which Financial charges: +€1,432
- Depreciation +€180
new in 2025: €180
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 | €66,697 | €73,296 | +€6,599 | +9.9% |
| Fixed assets | 21/28 | - | €409 | +€409 | |
| Tangible fixed assets | 22/27 | - | €409 | +€409 | |
| Furniture and vehicles | 24 | - | €409 | +€409 | |
| Current assets | 29/58 | €66,697 | €72,887 | +€6,190 | +9.3% |
| Amounts receivable within one year | 40/41 | €8,151 | €2,405 | -€5,746 | -70.5% |
| Trade receivables | 40 | €6,940 | €1,762 | -€5,178 | -74.6% |
| Other amounts receivable | 41 | €1,211 | €643 | -€567 | -46.9% |
| Cash at bank and in hand | 54/58 | €58,412 | €70,482 | +€12,070 | +20.7% |
| Deferred charges and accrued income | 490/1 | €135 | - | -€135 | |
| Total equity and liabilities | 10/49 | €66,697 | €73,296 | +€6,599 | +9.9% |
| Equity | 10/15 | -€9,214 | -€30,575 | -€21,362 | -232% |
| Contributions | 10/11 | €1,600 | €1,600 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€10,814 | -€32,175 | -€21,362 | -198% |
| Amounts payable | 17/49 | €75,911 | €103,871 | +€27,960 | +36.8% |
| Amounts payable within one year | 42/48 | €75,911 | €103,871 | +€27,960 | +36.8% |
| Trade debts | 44 | €1,165 | €308 | -€857 | -73.6% |
| Suppliers | 440/4 | €1,165 | €308 | -€857 | -73.6% |
| Taxes, remuneration and social security | 45 | €3,376 | €3,451 | +€75 | +2.2% |
| Taxes | 450/3 | €3,376 | €3,451 | +€75 | +2.2% |
| Other amounts payable | 47/48 | €71,370 | €100,112 | +€28,742 | +40.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | - | €180 | +€180 | |
| Other operating charges | 640/8 | €384 | €387 | +€3 | +0.8% |
| Gross operating margin | 9900 | €666 | -€17,116 | -€17,782 | |
| Operating profit (loss) | 9901 | €282 | -€17,684 | -€17,965 | |
| Financial income | 75/76B | €5 | €1 | -€5 | -84.6% |
| Recurring financial income | 75 | €5 | €1 | -€5 | -84.6% |
| Financial charges | 65/66B | €2,111 | €3,453 | +€1,342 | +63.6% |
| Recurring financial charges | 65 | €2,021 | €3,453 | +€1,432 | +70.8% |
| Non-recurring financial charges | 66B | €90 | - | -€90 | |
| Profit (loss) for the period before taxes | 9903 | -€1,824 | -€21,135 | -€19,312 | -1,059% |
| Income taxes | 67/77 | €151 | €226 | +€75 | +50.0% |
| Profit (loss) for the period | 9904 | -€1,975 | -€21,362 | -€19,387 | -982% |
| Profit (loss) for the period to be appropriated | 9905 | -€1,975 | -€21,362 | -€19,387 | -982% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 16 October 2026 via checked.be.