Losses
-€15,557 in three years
Every financial year from 2019 to 2024 closed with a loss. 2019 was the heaviest.
MAISON SERWIER
Lifetime
8 annual accounts with figures on one time axispeak €11,638 (2013)
-€975▲ €30
lowest -€14,583 (2019)
-€444▲ €86
peak €33,331 (2017)
€7,906▼ 5.3%
€2,234▲ 53.4%
Documentsfilings and deeds
25-09-202556 days late
2024micro format
Loss of €444Debts from €1,457 to €2,234
Key points
from the 2024 annual accountsPayment terms
836 days to suppliers
MAISON SERWIER pays its suppliers 307 days later than in 2023.
Filings
8 annual accounts 98 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Turnover not published (micro format)
Checked score
32
Weak
Financially stronger than 52% of micro companies without a NACE code
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
11.1% High
0%0.5%1.5%4%10%≥ 25%
About 1 in 9 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.3%lowest value
01-2025: 2.8%▲ +0.5 percentage points vs 12-2024
02-2025: 2.8%● unchanged vs 01-2025
03-2025: 2.9%▲ +0.1 percentage points vs 02-2025
04-2025: 3.0%▲ +0.1 percentage points vs 03-2025
05-2025: 3.0%● unchanged vs 04-2025
06-2025: 3.0%● unchanged vs 05-2025
07-2025: 3.1%▲ +0.1 percentage points vs 06-2025
08-2025: 7.3%▲ +4.2 percentage points vs 07-2025
09-2025: 8.1%▲ +0.8 percentage points vs 08-2025
10-2025: 4.3%▼ -3.8 percentage points vs 09-2025
11-2025: 4.3%● unchanged vs 10-2025
12-2025: 4.3%● unchanged vs 11-2025
01-2026: 4.3%● unchanged vs 12-2025
02-2026: 4.3%● unchanged vs 01-2026
03-2026: 4.4%▲ +0.1 percentage points vs 02-2026
04-2026: 4.7%▲ +0.3 percentage points vs 03-2026
05-2026: 4.9%▲ +0.2 percentage points vs 04-2026
06-2026: 5.3%▲ +0.4 percentage points vs 05-2026
07-2026: 5.4%▲ +0.1 percentage points vs 06-2026
08-2026: 6.2%▲ +0.8 percentage points vs 07-2026
09-2026: 7.2%▲ +1.0 percentage point vs 08-2026
10-2026: 11.1%▲ +3.9 percentage points vs 09-2026highest value
11-2026: 11.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Figures for financial year 2024 (filed on 30-09-2025)
No main activity registered
1 financial year not filed after the legal deadline; last filed accounts filed 56 days late; 3 of the last 3 accounts late
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 81% of them on solvency, 76% on liquidity, 19% on profitability and 30% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the high class on 30-06-2025, 14.6% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as MAISON SERWIER has now. Each dot stands for 18 companies, two years later.
90.9%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of MAISON SERWIER itself is higher: 11.1% within 12 months. It rests on far more data about MAISON SERWIER than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for MAISON SERWIER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is ample, with a current ratio of 4.54 (6.73 in 2023), above the usual 1.5. Short-term debt is 22% of total assets. 22% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 98 days later.
NBB · 8 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline06-11-2026 today
raises risk · 2024 accounts filed 56 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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 · 8 filingsDeviation from the deadline
2025
not filed
2024
56 days late
2023
117 days late
2019
88 days late
2017
294 days late
2016
659 days late
2015
128 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 6 accounts on average 224 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
Recent changes
Registered office moved from Florennes to Malonne
New registered office: rue Fond de Malonne 97/1 à 5020 Malonne · Previous registered office: TOMBU, 181-6620 Florennes · General meeting of 19-11-2024 · Gazette deed
Incorporation
published on 07-03-2012 · Gazette deed
First establishment
Rue Tombu, Hanzinelle 181, Florennes
Official details
Source: KBO- Status
- Active since 07-02-2012Normal situation
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.207.120.7765620 Florennes, since 07-02-2012
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on MAISON SERWIER
MAISON SERWIER files the micro format. That format states no turnover. The gross margin fell from €11,638 in 2013 to -€975 in 2024.
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 MAISON SERWIER
- What is the company number of MAISON SERWIER?
- The company number of MAISON SERWIER is 0843.895.248. The VAT number is the same number with BE in front: BE 0843.895.248.
- Where is MAISON SERWIER based?
- The registered office is at Fond de Malonne 97, 5020 Namur.Company details
- What is the legal form of MAISON SERWIER?
- MAISON SERWIER is a private limited company (pre-2019) (BVBA).
- When was MAISON SERWIER founded?
- MAISON SERWIER was founded on 07-02-2012.
- Is MAISON SERWIER still active?
- Yes, MAISON SERWIER is an active enterprise in the KBO register.
- What is the turnover of MAISON SERWIER?
- The annual accounts for financial year 2024 state no turnover. The micro format does not require it.Financials
- Is MAISON SERWIER profitable?
- In financial year 2024, MAISON SERWIER made a loss of €444.
- Where can I find the annual accounts of MAISON SERWIER?
- MAISON SERWIER filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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