Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 22 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SERVAF from Liège, company number BE0745437080, closed financial year 2025 with a result of € 6,209 after tax. For that financial year SERVAF recorded a gross margin of € 36,402 and equity of € 60,275. Compared with financial year 2024, the result moved from € 7,920 to € 6,209. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 17, 2026.
€ 60,275
▲ 11% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 6,209
▼ 22% vs 2024
Profit after tax over the fiscal year.
€ 13,271
▼ 5% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 50,275.
People and assets in 2025
€ 2,198
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 297,011
▼ 9% vs 2024
€ 34,007 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 427
▼ 19% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,022
▲ 7% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 46,546 | € 40,027 | € 42,949 | € 36,402 | ▼ 15% |
| Profit after taxes | € 16,054 | € 10,083 | € 7,920 | € 6,209 | ▼ 22% |
| Equity | € 36,062 | € 46,145 | € 54,065 | € 60,275 | ▲ 11% |
| Total debts | € 435,472 | € 422,161 | € 393,212 | € 386,122 | ▼ 2% |
| Cash | € 26,198 | € 21,493 | € 13,926 | € 13,271 | ▼ 5% |
| Land & buildings | € 432,491 | € 419,208 | € 405,924 | € 392,641 | ▼ 3% |
| Retained profit | € 26,062 | € 36,145 | € 44,065 | € 50,275 | ▲ 14% |
| Bank debt | € 369,315 | € 355,544 | € 327,951 | € 297,011 | ▼ 9% |
| Balance sheet total | € 471,534 | € 468,306 | € 447,277 | € 446,397 |
Key figures of SERVAF, 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 SERVAF?
What happened at SERVAF in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 6,209 (▼ 22% vs 2024). Source: NBB ↗
- New establishment in Liège. KBO
- Christophe SERWY became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 16,054 profit in 2022 to € 6,209 profit in 2025.
Paid € 12,911 in corporate taxes since 2022.
Best year ever: 2022, with € 16,054 profit.
A new publication or filing at SERVAF? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Christophe SERWY
Director
since 2020
Establishments
Establishment units
Physical locations of this company
Rue des Armuriers 37
4000 Liège
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0745.437.080
- VAT number
- BE 0745.437.080
- Registered office
- Rue des Armuriers 37, 4000 Liège
- Names & denominations
- SERVAF
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 March 2020
- Peppol
- Active · Active since 19 Dec 2025
- Contact
- [email protected]
- Activities · NACE
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen