Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
31 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
HERVAY from Chaumont-Gistoux, company number BE0772917477, closed financial year 2025 with a result of € 25,569 after tax. For that financial year HERVAY recorded a gross margin of € 47,186 and equity of € -30,406. Compared with financial year 2024, the result moved from € 3,952 to € 25,569. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 28, 2026.
€ -30,406
▲ € 25,569 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 25,569
▲ € 21,618 vs 2024
Profit after tax over the fiscal year.
€ 1,587
▲ 14% 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 € -32,406.
People and assets in 2025
€ 2,437
▼ 28% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 287,338
▼ 5% vs 2024
€ 16,114 is repaid this year. At this pace the long-term loan is gone in ≈ 18 years.
€ 1,992
▼ 11% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 183
▼ 55% 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 | € 33,689 | € 22,280 | € 25,250 | € 47,186 | ▲ 87% |
| Profit after taxes | € -66,325 | € 4,398 | € 3,952 | € 25,569 | ▲ € 21,618 |
| Equity | € -64,325 | € -59,927 | € -55,975 | € -30,406 | ▲ € 25,569 |
| Total debts | € 521,221 | € 500,925 | € 487,656 | € 438,986 | ▼ 10% |
| Cash | € 2,172 | € 4,316 | € 1,397 | € 1,587 | ▲ 14% |
| Land & buildings | € 412,789 | € 409,292 | € 411,197 | € 399,136 | ▼ 3% |
| Retained profit | € -66,325 | € -61,927 | € -57,975 | € -32,406 | ▲ € 25,569 |
| Bank debt | € 334,264 | € 318,855 | € 303,214 | € 287,338 | ▼ 5% |
| Balance sheet total | € 456,896 | € 440,998 | € 431,681 | € 408,580 | ▼ 5% |
Key figures of HERVAY, 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 HERVAY?
What happened at HERVAY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 25,569 (▲ € 21,618 vs 2024). filed late Source: NBB ↗
- New establishment in Chaumont-Gistoux. KBO
- Start of the company according to the CBE. KBO
In short
From € 66,325 loss in 2022 to € 25,569 profit in 2025.
Paid € 615 in corporate taxes since 2022.
Best year ever: 2025, with € 25,569 profit.
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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
Xavier Herman
Administrator-manager
Establishments
Establishment units
Physical locations of this company
Rue de Chastre, Corroy 11
1325 Chaumont-Gistoux
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 31 companies are registered at this address.
All companies at this address →IN FINE
€ 58,283 gross margin · 2025
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€ 447,584 gross margin · 2025
TREADSTONE
€ 297,390 gross margin · 2025
AIR ONE SOLUTIONS
€ 120,692 gross margin · 2025
CLEMENTONI BENELUX
€ 548,163 gross margin · 2025
+26 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0772.917.477
- VAT number
- BE 0772.917.477
- Registered office
- Rue de Chastre, Corroy 11, 1325 Chaumont-Gistoux
- Names & denominations
- HERVAY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 August 2021
- Peppol
- Active · Active since 30 Sept 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars