Fintrust: 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.
Fintrust
Largest movements
- Intangible fixed assets -€144,304
down €144,304 (-11.1%), from €1.3m to €1.2m
- Deferred charges and accrued income +€74,008
up €74,008 (+83.3%), from €88,807 to €162,815
- Debts after one year -€104,601
down €104,601 (-10.8%), from €968,080 to €863,478
- Short-term financial debts -€79,195
down €79,195 (-73.7%), from €107,391 to €28,196
- Trade debts +€66,974
up €66,974 (+69.2%), from €96,839 to €163,812
- Reserves +€43,776
new in 2025: €43,776
- Staff costs -€90,922
down €90,922 (-23.1%), from €392,770 to €301,848
- Gross operating margin -€41,219
down €41,219 (-7.0%), from €591,528 to €550,308
- Taxes +€14,361
up €14,361 (+251%), from €5,727 to €20,088
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
Cash or the result is not a separate line in both sets of accounts; the cash flow cannot be derived from them.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,388,745 | €1,318,430 | -€70,316 | -5.1% |
| Fixed assets | 21/28 | €1,299,918 | €1,155,615 | -€144,304 | -11.1% |
| Intangible fixed assets | 21 | €1,299,918 | €1,155,615 | -€144,304 | -11.1% |
| Current assets | 29/58 | €88,827 | €162,815 | +€73,988 | +83.3% |
| Amounts receivable within one year | 40/41 | €20 | €0 | -€20 | -100% |
| Trade receivables | 40 | €20 | €0 | -€20 | -100% |
| Deferred charges and accrued income | 490/1 | €88,807 | €162,815 | +€74,008 | +83.3% |
| Total equity and liabilities | 10/49 | €1,388,745 | €1,318,430 | -€70,316 | -5.1% |
| Equity | 10/15 | €12,165 | €53,776 | +€41,611 | +342% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Reserves | 13 | - | €43,776 | +€43,776 | |
| Distributable reserves | 133 | - | €43,776 | +€43,776 | |
| Profit (loss) carried forward | 14 | €2,165 | €0 | -€2,165 | -100% |
| Amounts payable | 17/49 | €1,376,580 | €1,264,654 | -€111,926 | -8.1% |
| Amounts payable after more than one year | 17 | €968,080 | €863,478 | -€104,601 | -10.8% |
| Financial debts | 170/4 | €968,080 | €863,478 | -€104,601 | -10.8% |
| Amounts payable within one year | 42/48 | €397,839 | €401,175 | +€3,336 | +0.8% |
| Current portion of amounts payable after more than one year | 42 | €100,794 | €104,601 | +€3,807 | +3.8% |
| Financial debts | 43 | €107,391 | €28,196 | -€79,195 | -73.7% |
| Credit institutions | 430/8 | €107,391 | €28,196 | -€79,195 | -73.7% |
| Trade debts | 44 | €96,839 | €163,812 | +€66,974 | +69.2% |
| Suppliers | 440/4 | €96,839 | €163,812 | +€66,974 | +69.2% |
| Taxes, remuneration and social security | 45 | €42,815 | €54,566 | +€11,751 | +27.4% |
| Taxes | 450/3 | €5,727 | €20,088 | +€14,361 | +251% |
| Remuneration and social security | 454/9 | €37,088 | €34,477 | -€2,611 | -7.0% |
| Other amounts payable | 47/48 | €50,000 | €50,000 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €10,661 | €0 | -€10,661 | -100% |
| Remuneration, social security and pensions | 62 | €392,770 | €301,848 | -€90,922 | -23.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €143,118 | €144,304 | +€1,186 | +0.8% |
| Other operating charges | 640/8 | €2,890 | €1,263 | -€1,627 | -56.3% |
| Gross operating margin | 9900 | €591,528 | €550,308 | -€41,219 | -7.0% |
| Operating profit (loss) | 9901 | €52,750 | €102,894 | +€50,143 | +95.1% |
| Financial income | 75/76B | - | €1 | +€1 | |
| Recurring financial income | 75 | - | €1 | +€1 | |
| Financial charges | 65/66B | €44,858 | €41,195 | -€3,663 | -8.2% |
| Recurring financial charges | 65 | €44,858 | €41,195 | -€3,663 | -8.2% |
| Profit (loss) for the period before taxes | 9903 | €7,892 | €61,699 | +€53,807 | +682% |
| Income taxes | 67/77 | €5,727 | €20,088 | +€14,361 | +251% |
| Profit (loss) for the period | 9904 | €2,165 | €41,611 | +€39,446 | +1,822% |
| Profit (loss) for the period to be appropriated | 9905 | €2,165 | €41,611 | +€39,446 | +1,822% |
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 17 October 2026 via checked.be.