Select dagbladhandel

Active

Private limited companyfounded 20215 yrs activeKapellestraat 120, 2630 Aartselaar, BelgiumKBO/BCE: BE 0765.687.019

Summary

Select dagbladhandel has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204,006 and a net result of -€61,623. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 22044 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch Report Compare

Select dagbladhandelActiveChecked score 68/100

Risk analysis Report Compare

Activity

Retail sale of newspapers and periodicals

NACE 47621NACE 47620

1 site

Size

€234,575total assets 2025

Equity: €204,006
Loss: -€61,623

Turnover not published (abridged schema)

Financial health

68 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.8%

Structure

Accounts filed 60 d late0 of 1 deed read

Why 68- Latest accounts 60 days late; 2 of the last 3 late- Loss of €61,623 (FY 2025)+ Liquidity: current ratio 7.67, cash €110,216+ Equity €204,006 (87.0% of total assets)Show the evidence

Checked score

Score 2025

68 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 53% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 87.0% of total assets

Liquidity 98+25

short-term debt 13.0% · cash 47.0%

Profitability 0-100

return on assets -26.3%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,155 companies)

Last 24 months 11-2024: 0.4% 12-2024: 0.3%▼ -25.7% vs 11-2024 01-2025: 0.3%▼ -5.9% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%▼ -3.1% vs 02-2025lowest value 04-2025: 0.3%▲ +2.2% vs 03-2025 05-2025: 0.3%▲ +3.9% vs 04-2025 06-2025: 0.3%▲ +2.4% vs 05-2025 07-2025: 0.3%▲ +2.7% vs 06-2025 08-2025: 0.6%▲ +80.6% vs 07-2025 09-2025: 0.7%▲ +22.6% vs 08-2025 10-2025: 1.1%▲ +64.2% vs 09-2025 11-2025: 0.6%▼ -47.2% vs 10-2025 12-2025: 0.6%● 0.0% vs 11-2025 01-2026: 0.6%▼ -1.5% vs 12-2025 02-2026: 0.6%● 0.0% vs 01-2026 03-2026: 0.6%▼ -0.7% vs 02-2026 04-2026: 0.6%▲ +5.7% vs 03-2026 05-2026: 0.7%▲ +8.0% vs 04-2026 06-2026: 0.7%▲ +3.0% vs 05-2026 07-2026: 0.7%▼ -2.1% vs 06-2026 08-2026: 1.0%▲ +52.4% vs 07-2026 09-2026: 1.2%▲ +13.9% vs 08-2026highest value 10-2026: 0.8%▼ -28.1% vs 09-2026

Liquidity: current ratio 7.67, cash €110,216 lowers the probability
Latest accounts 60 days late; 2 of the last 3 late raises the probability
Loss of €61,623 (FY 2025) raises the probability
Equity €204,006 (87.0% of total assets) lowers the probability

Credit up to €13,000 at 30 days acceptable

Liquidity ample (current ratio 7.67 against 5.46 in 2024; short-term debt: 13% and cash: 47% of total assets), and 13% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 96%, profitability 6%, growth against the median 18%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 7.67, cash €110,216

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 60 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Loss of €61,623 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Equity €204,006 (87.0% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 4 filings

Deviation from the deadline

2025

60 d late

2024

61 d late

2023

28 d late

2022

92 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 60 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 30 September (3 of the last 4 filed years within 31 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

29-09-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Weakest financial yearnet -€61,623
30-09-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: From profit to loss in 2025after €84,671 in 2024 -€61,623 View
Caution: Among the weakest 5% on net resultsector median €5,033 · 22,023 companies -€61,623 View
Total assets 20254 fiscal years filed €234,575 View