Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 19 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
IMMO XAVIER SERWY from Nivelles, company number BE0427145339, closed financial year 2025 with a result of € -102,285 after tax. For that financial year IMMO XAVIER SERWY recorded a gross margin of € -7,648 and equity of € 98,114. Compared with financial year 2024, the result moved from € -34,115 to € -102,285. The company made a loss. The buffer shrank hard: equity is 75 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 24, 2026.
€ 98,114
▼ 75% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -102,285
▼ 200 % more loss than in 2024
Profit after tax over the fiscal year.
€ 29,648
▼ 76% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -44,735.
People and assets in 2025
€ 11,530
▼ 9% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 344,110
▲ 12% vs 2024
€ 52,079 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 19,085
▲ € 16,354 vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 495,624 | € 6,629 | € 44,051 | € -7,648 | ▼ € 51,700 |
| Profit after taxes | € 253,091 | € -68,373 | € -34,115 | € -102,285 | ▼ € 68,170 |
| Equity | € 502,887 | € 434,514 | € 400,399 | € 98,114 | ▼ 75% |
| Total debts | € 433,446 | € 322,016 | € 311,090 | € 533,945 | ▲ 72% |
| Cash | € 335,060 | € 72,872 | € 122,803 | € 29,648 | ▼ 76% |
| Land & buildings | € 442,652 | € 432,277 | € 413,875 | € 484,781 | ▲ 17% |
| Retained profit | € 360,038 | € 291,665 | € 257,551 | € -44,735 | ▼ € 302,285 |
| Dividend | € 50,000 | € 0 | € 0 | € 200,000 | |
| Bank debt | € 390,163 | € 314,550 | € 308,346 | € 344,110 | ▲ 12% |
| Balance sheet total | € 936,334 | € 756,530 | € 711,489 | € 632,059 | ▼ 11% |
Key figures of IMMO XAVIER SERWY, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to IMMO XAVIER SERWY?
What happened at IMMO XAVIER SERWY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 102,285. Source: NBB ↗
- michael serwy stepped down as director. NBB
- michael serwy became a director. NBB
- New establishment in Nivelles. KBO
- Start of the company according to the CBE. KBO
In short
From € 253,091 profit in 2022 to € 102,285 loss in 2025.
Paid € 126,356 in corporate taxes since 2022.
Best year ever: 2022, with € 253,091 profit.
Paid out € 250,000 in dividends to the owners in total.
Management
Directors
According to the 2025 annual accounts
michael serwy
Director
since 2017 · until 2023
Establishments
Establishment units
Physical locations of this company
Rue Auguste-Levêque 3
1400 Nivelles
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0427.145.339
- VAT number
- BE 0427.145.339
- Registered office
- Rue Auguste-Levêque 3, 1400 Nivelles
- Names & denominations
- IMMO XAVIER SERWY · BUREAU XAVIER SERWY / BUREAU SERWY
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 26 February 1985
- Peppol
- Active · Active since 26 Mar 2026