@Bartrcm in Belgium, after a holiday game(second season), the two promoted teams Berchem Sport and Cappellen are in deep red .
Cappellen started with +297K (euro's) and ended the season with 622k in red (i signed all the youth intake players to those wages are added from april). That is a loss of +-920k.
Berchem started with + 313K and ended at 1.356.608M . that is a loss of .1.7 M ! They signed a lot of free players (i wasn't the manager) and got promoted.
I remember that i played with Aalst at FM21 , four or five seasons and the balance was fine because of a very big fanbase. I hope you (or maybe Xaw is he gets the same issue) can escalate this to the bug tracker.
Did a test with Aalst:
They started 30/6/23 with 403K
They ended at 30/6/24 -537k.
meaning a loss of 937k.
So at the moment no Belgium(or i should pick Aalst) or Scotland( Braves) for me :'(