Equity
-€30,406
Debts exceed assets in financial year 2025.
HERVAY
Lifetime
4 annual accounts with figures on one time axispeak €47,186 (2025)
€47,186▲ 86.9%
lowest -€66,325 (2022)
€25,569▲ 547%
peak -€30,406 (2025)
-€30,406▲ €25,569
€438,986▼ 10.0%
Board1 name since 2021
1 directorHERMAN Xavier Henri Marie Bernadette
Documentsfilings and deeds
28-08-202628 days late
2025abbreviated format
Gross margin from €25,250 to €47,186Result from €3,952 to €25,569Equity from -€55,975 to -€30,406
Key points
from the 2025 annual accountsTurnover
≈ €170,000 estimated
The accounts state no turnover.
Debts
€438,986 107% of the balance sheet
Financial debts 62%Suppliers 0%Taxes and wages 0%Other 38%
Of this, €167,762 falls due within a year.
Filings
4 annual accounts 4 late
The 2022 accounts came latest: 30 days after the end of the period.
Starting capital
€2,000 1,000 shares
Position in the sector
-7.4%
Lower solvency than 95% of companies in auxiliary financial services. Sector median 38.5% · 1,857 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1857 sector peers (2025).
NBB · sector comparisonPosition among 1857 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filingsDeviation from the deadline
2025
28 days late
2024
27 days late
2023
27 days late
2022
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 28 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- HERMAN Xavier Henri Marie Bernadette 500 sharesdeed of 31-08-2021
- SERVENAY Pauline Hélène Marthe Françoise 500 sharesdeed of 31-08-2021
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0772917477
Incorporation
Founding capital of €2,000, 1,000 shares · Founders: HERMAN Xavier Henri Marie Bernadette and SERVENAY Pauline Hélène Marthe Françoise · Appointment: HERMAN Xavier Henri Marie Bernadette (director) · published on 31-08-2021 · Gazette deed
First establishment
Rue de Chastre, Corroy 11, Chaumont-Gistoux
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HERVAY Chaumont-Gistoux | €408,580 | €47,186 | -7.4% | - |
| JBA Knokke-Heist | €495,461 | €59,392 | 40.8% | - |
| Alliance BW Rixensart | €327,236 | €70,036 | 15.1% | - |
| My Altior Walhain | €366,874 | €91,107 | 77.6% | 1 |
| Praesidio Antwerp | €418,377 | €75,475 | 27.8% | - |
| BCA Vielsalm | €422,469 | €83,484 | 33.2% | - |
| DIFS Ixelles | €524,371 | €67,041 | 14.7% | - |
These companies have the same main activity as HERVAY: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €327,000 and €524,000, founded between 2019 and 2022.
Official details
Source: KBO- Status
- Active since 27-08-2021Normal situation
- Registered office
- 35 active companies are registered at this address2 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Insurance agents and brokersNACE 66220
- Establishment unit
- 2.326.540.9411325 Chaumont-Gistoux, since 27-08-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 30-09-2025
Insights on HERVAY
HERVAY files the abbreviated format. That format states no turnover. The gross margin rose from €33,689 in 2022 to €47,186 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HERVAY
- What is the company number of HERVAY?
- The company number of HERVAY is 0772.917.477. The VAT number is the same number with BE in front: BE 0772.917.477.
- Where is HERVAY based?
- The registered office is at Rue de Chastre, Corroy 11, 1325 Chaumont-Gistoux.Company details
- What does HERVAY do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of HERVAY?
- HERVAY is a private limited company (BV).
- When was HERVAY founded?
- HERVAY was founded on 27-08-2021.
- Is HERVAY still active?
- Yes, HERVAY is an active enterprise in the KBO register.
- What is the turnover of HERVAY?
- The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €47,186 and 1,231 comparable companies of the same size. It probably lies between €90,000 and €320,000. It is a rough estimate.Financials
- Is HERVAY profitable?
- In financial year 2025, HERVAY made a profit of €25,569.
- Where can I find the annual accounts of HERVAY?
- HERVAY filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HERVAY due?
- HERVAY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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