SELECT HOME

Active

Private limited companyfounded 20206 yrs activeRue des Bruyères 10B, 4052 Chaudfontaine, BelgiumKBO/BCE: BE 0746.559.114

The computed 12-month bankruptcy probability of SELECT HOME is 1.5% (moderate). The 2025 annual accounts show equity of €3.53M and a net result of €2.56M. Equity is growing by ~119.8% per year across the filed fiscal years. Its solvency ranks better than 69% of 821 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent▲ +16 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability90▼-7

Solvency92▲+69

Growth85▲+7

Stability100

Bankruptcy probability, 12 months

1.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €350k at 30 days acceptable

Liquidity ample (current ratio 1.78 against 1.07 in 2024), and 48.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

51.5%

Return on assets

37.3%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

on the day

2024

64 d late

2023

69 d late

2022

58 d late

2021

15 d early

← before the deadline after the deadline →

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.

Companies Code · seven months

Position in the running window

16-09-2026 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

Financials · fiscal year 2025, full schema

Turnover

€21.03M▲ 75.1%

2024 · €12.02M

2024: €12.02M

2024 → 2025

EBIT margin

16.5%▼ 2.7pp

2024 · 19.2%

2024: 19.2%

2024 → 2025

Net result

€2.56M▲ 54.0%

2024 · €1.66M

2021: €116k 2022: €29k 2023: €755k 2024: €1.66M

2021 → 2025

Working capital

€2.19M▲ 576%

2024 · €324k

2021: €204k 2022: €43k 2023: €200k 2024: €324k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€12.02M€21.03M▲ 75.1%

Equity€164k-€193k▲ 17.9%€948k▲ 391%€972k▲ 2.5%€3.53M▲ 264%

Operating result€136k-€57k▼ 58.4%€1.05M▲ 1,755%€2.30M▲ 120%€3.47M▲ 50.5%

Net result€116k-€29k▼ 74.7%€755k▲ 2,466%€1.66M▲ 120%€2.56M▲ 54.0%

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed three years in a row; 2025 is 50% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €6.87M

27.3%

72.7%

Fixed assets €1.88M▲ 71.8%

Current assets €4.99M▼ 4.3%

Equity and liabilities €6.87M

51.5%

44.6%

Equity €3.53M▲ 264%

Provisions €269k▲ 64.8%

Debt €3.06M▼ 40.8%

The debt ratio falls from 82.0% to 44.6%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€3.53M▲

2024 · €2.36M

Cash flow

€2.63M▲

2024 · €1.72M

Solvency

51.5%▲

2024 · 15.4%

Current ratio

1.78▲

2024 · 1.07

Quick ratio

1.69▲

2024 · 1.07

Debt / equity

0.87▼

2024 · 5.32

ROE

72.5%▼

2024 · 171.2%

ROA

37.3%▲

2024 · 26.4%

Interest coverage

165.50▲

2024 · 90.49

Debt

€3.06M▼

2024 · €5.17M

Debt ≤ 1 year

€2.80M▼

2024 · €4.89M

Debt > 1 year

€264k▼

2024 · €281k

Income taxes

€923k▲

2024 · €661k

Staff costs

€1.05M▲

2024 · €884k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€6.31M€6.87M▲

Fixed assets21/28€1.09M€1.88M▲

Intangible fixed assets21€18k€15k▼

Tangible fixed assets22/27€472k€439k▼

Land and buildings22€386k€375k▼

Plant, machinery and equipment23€7k€6k▼

Furniture and vehicles24€60k€48k▼

Other tangible fixed assets26€11k€10k▼

Assets under construction and advance payments27€7k-

Financial fixed assets28€602k€1.42M▲

Affiliated companies280/1€602k€1.30M▲

Amounts receivable281€602k€1.30M▲

Other financial fixed assets284/8-€121k

Amounts receivable and cash guarantees285/8-€121k

Current assets29/58€5.21M€4.99M▼

Stocks and contracts in progress3-€250k

Stocks30/36-€250k

Property held for sale35-€250k

Amounts receivable within one year40/41€1.66M€2.07M▲

Trade receivables40€1.60M€1.78M▲

Other amounts receivable41€53k€294k▲

Current investments50/53€2.10M€1.34M▼

Other investments51/53€2.10M€1.34M▼

Cash at bank and in hand54/58€1.40M€1.21M▼

Deferred charges and accrued income490/1€57k€126k▲

Equity and liabilities

Total equity and liabilities10/49€6.31M€6.87M▲

Equity10/15€972k€3.53M▲

Contributions10/11€48k€48k=

Profit (loss) carried forward14€924k€3.49M▲

Provisions and deferred taxes16€164k€269k▲

Provisions for liabilities and charges160/5€164k€269k▲

Other liabilities and charges164/5€164k€269k▲

Amounts payable17/49€5.17M€3.06M▼

Amounts payable after more than one year17€281k€264k▼

Financial debts170/4€281k€264k▼

Subordinated loans170€1k-

Credit institutions173€280k€264k▼

Amounts payable within one year42/48€4.89M€2.80M▼

Current portion of amounts payable after more than one year42€40k€20k▼

Trade debts44€1.01M€1.62M▲

Suppliers440/4€1.01M€1.62M▲

Advances received on contracts in progress46€2.15M€491k▼

Taxes, remuneration and social security45€939k€662k▼

Taxes450/3€860k€571k▼

Remuneration and social security454/9€79k€90k▲

Other amounts payable47/48€744k€6k▼

Accrued charges and deferred income492/3€239-

Income statement Code20242025

Operating income70/76A€19.81M€20.48M▲

Turnover70€12.02M€21.03M▲

Change in stocks of work in progress, finished goods and contracts in progress71€7.70M€-624k▼

Other operating income74€92k€74k▼

Operating charges60/66A€17.51M€17.02M▼

Goods for resale, raw materials and consumables60€14.24M€13.84M▼

Purchases600/8€14.24M€14.09M▼

Change in stocks: decrease (increase)609-€-250k

Services and other goods61€2.20M€1.94M▼

Remuneration, social security and pensions62€884k€1.05M▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€68k▲

Provisions for liabilities and charges: additions (uses and reversals)635/8€101k€106k▲

Other operating charges640/8€21k€12k▼

Operating profit (loss)9901€2.30M€3.47M▲

Financial income75/76B€48k€42k▼

Recurring financial income75€48k€42k▼

Income from financial fixed assets750€26k€32k▲

Income from current assets751€9k€117▼

Other financial income752/9€13k€10k▼

Financial charges65/66B€27k€22k▼

Recurring financial charges65€27k€22k▼

Debt charges650€26k€21k▼

Other financial charges652/9€693€1k▲

Profit (loss) for the period before taxes9903€2.32M€3.49M▲

Income taxes67/77€661k€923k▲

Taxes670/3€661k€923k▲

Profit (loss) for the period9904€1.66M€2.56M▲

Profit (loss) for the period to be appropriated9905€1.66M€2.56M▲

Appropriation of the result

Profit (loss) to be appropriated9906€2.56M€3.49M▲

Profit (loss) brought forward from the previous period14P€901k€924k▲

Profit to be distributed694/7€1.64M-

Return on contributions (dividend)694€1.64M-

Social balance

Average headcount (FTE)908717.418.5▲

The notes to these accounts (62 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

31-12

Financial Highest result since 2021net €2.56M ▲54%

Operating result €3.47M, net result €2.56M, both a record.

31-12

Financial Equity above €2MEq €3.53M ▲264%

5 profitable years in a row build equity to €3.53M.

03-10

NBB filing Annual accounts filed

fiscal year 2024 · unclassified schema · 64 days late

2024

08-10

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 69 days late

2023

31-12

Financial Equity above €500kEq €948k ▲391%

3 profitable years in a row build equity to €948k.

27-09

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 58 days late

2022

31-12

Financial Weakest financial yearnet €29k ▼74.7%

Net result drops to €29k, the lowest in the series; recovery starts the following year.

16-07

NBB filing Annual accounts filed

fiscal year 2021 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

23-09-2025 BONET GROUP: Resigned as Director

10-07-2020 Bastien Bonet: Resigned as Director

10-07-2020 GILLARD Arnaud: Resigned as Director

Location & real-estate footprint

Registered office, Chaudfontaine · 1 establishment unit since 2020

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue des Bruyères 10B4052 Chaudfontaine

Ground area

1,892 m²

Parcel 62012A0295/00P008, Wallonia. Linked by address, not a title deed.