Selecta
ActiveSummary
Selecta has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €540k and a net result of €98k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 1059 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▲+1
Solvency58▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.4 in 2024; short-term debt: 37.4% and cash: 13.4% of total assets), but 67.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.6%
Return on assets
5.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
65 d early
2022
39 d early
2021
29 d late
2020
31 d late
2019
35 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is this a good employer? Staff, turnover and training against the sector.Employer check
Financials · fiscal year 2025, abbreviated schema
In the rankings
#4 fastest grower in Hainaut, Personal services sector#7 employer in Mons, Other services sector#8 company by total assets in Mons, Other services sector
Turnover
€1.39M
EBIT margin
4.4%
Net result
€98k▲ 36.6%
2024 · €72k
Working capital
€330k▲ 42.3%
2024 · €232k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€-103k▲ 64.5%€207k€175k▼ 15.4%€103k▼ 41.3%€117k▲ 13.8%
Net result€-106k▲ 64.1%€186k€152k▼ 18.2%€72k▼ 52.9%€98k▲ 36.6%
EBIT margin
Equity€31k▼ 78.1%€214k▲ 597%€381k▲ 78.5%€453k▲ 18.8%€540k▲ 19.2%
Total assets€848k▲ 42.6%€1.07M▲ 26.1%€1.49M▲ 39.3%€1.50M▲ 1.0%€1.66M▲ 10.3%
Debt€817k▲ 79.8%€855k▲ 4.6%€1.11M▲ 29.5%€1.05M▼ 5.2%€1.12M▲ 6.4%
Working capital€141k▼ 13.1%€135k▼ 4.0%€-16k€232k€330k▲ 42.3%
Staff (FTE)11.6▲ 7.4%12.4▲ 6.9%14.4▲ 16.1%15.1▲ 4.9%17.2▲ 13.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.66M
Fixed assets
€708k ▲ 2.7%
Current assets
€950k ▲ 16.7%
Equity and liabilities €1.66M
Equity
€540k ▲ 19.2%
Debt
€1.12M ▲ 6.4%
Debt's share of the balance-sheet total falls from 69.8% to 67.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€417k▲
2024 · €375k
Cash flow
€398k▲
2024 · €344k
Current ratio
1.53▲
2024 · 1.40
Quick ratio
1.47▲
2024 · 1.34
Debt to equity
2.07▼
2024 · 2.32
ROE
18.2%▲
2024 · 15.8%
ROA
5.9%▲
2024 · 4.8%
Interest coverage
13.22▲
2024 · 11.63
Debt ≤ 1 year
€619k▲
2024 · €581k
Debt > 1 year
€498k▲
2024 · €469k
Staff costs
€652k▲
2024 · €616k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €222k | €410k | €580k | €616k | €652k | ▲ 5.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €174k | €169k | €180k | €272k | €300k | ▲ 10.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €29k | €9k | €0 | €43k | - |
| Other operating charges640/8 | €67k | €36k | €27k | €28k | €7k | ▼ 73.7% |
| Gross operating margin9900 | €360k | €851k | €971k | €1.02M | €1.12M | ▲ 9.9% |
| Operating profit (loss)9901 | €-103k | €207k | €175k | €103k | €117k | ▲ 13.8% |
| Financial income75/76B | €10k | €6k | €1k | €1k | €13k | ▲ 923% |
| Recurring financial income75 | €10k | €6k | €1k | €1k | €13k | ▲ 923% |
| Financial charges65/66B | €12k | €16k | €24k | €32k | €32k | ▼ 2.1% |
| Recurring financial charges65 | €12k | €16k | €24k | €32k | €32k | ▼ 2.1% |
| Profit (loss) for the period before taxes9903 | €-105k | €197k | €152k | €72k | €98k | ▲ 36.6% |
| Income taxes67/77 | €994 | €11k | €0 | - | - | - |
| Profit (loss) for the period9904 | €-106k | €186k | €152k | €72k | €98k | ▲ 36.6% |
| Profit (loss) for the period to be appropriated9905 | €-106k | €186k | €152k | €72k | €98k | ▲ 36.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €848k | €1.07M | €1.49M | €1.50M | €1.66M | ▲ 10.3% |
| Fixed assets21/28 | €303k | €492k | €732k | €690k | €708k | ▲ 2.7% |
| Intangible fixed assets21 | €36k | €86k | €151k | €101k | €66k | ▼ 34.7% |
| Tangible fixed assets22/27 | €267k | €385k | €562k | €570k | €624k | ▲ 9.4% |
| Plant, machinery and equipment23 | €132k | €108k | €134k | €118k | €222k | ▲ 87.6% |
| Furniture and vehicles24 | €95k | €224k | €384k | €422k | €384k | ▼ 9.0% |
| Leasing and similar rights25 | €19k | €53k | €45k | €30k | €17k | ▼ 41.1% |
| Assets under construction and advance payments27 | €22k | €0 | - | - | - | - |
| Financial fixed assets28 | - | €21k | €18k | €18k | €18k | = |
| Current assets29/58 | €544k | €577k | €757k | €814k | €950k | ▲ 16.7% |
| Stocks and contracts in progress3 | €25k | €30k | €44k | €35k | €42k | ▲ 20.1% |
| Stocks30/36 | €25k | €30k | €44k | €35k | €42k | ▲ 20.1% |
| Amounts receivable within one year40/41 | €288k | €415k | €558k | €635k | €662k | ▲ 4.3% |
| Trade receivables40 | €277k | €415k | €537k | €617k | €639k | ▲ 3.6% |
| Other amounts receivable41 | €12k | €538 | €22k | €17k | €23k | ▲ 30.3% |
| Cash at bank and in hand54/58 | €219k | €119k | €138k | €133k | €222k | ▲ 67.0% |
| Deferred charges and accrued income490/1 | €12k | €13k | €17k | €11k | €23k | ▲ 113% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €848k | €1.07M | €1.49M | €1.50M | €1.66M | ▲ 10.3% |
| Equity10/15 | €31k | €214k | €381k | €453k | €540k | ▲ 19.2% |
| Contributions10/11 | €25k | €25k | €25k | €25k | €25k | = |
| Reserves13 | €185k | €185k | €341k | €413k | €511k | ▲ 23.7% |
| Non-distributable reserves130/1 | €4k | €4k | €0 | - | - | - |
| Reserves not available under the articles1311 | €4k | €4k | €0 | - | - | - |
| Distributable reserves133 | €181k | €181k | €341k | €413k | €511k | ▲ 23.7% |
| Profit (loss) carried forward14 | €-183k | €4k | €0 | - | - | - |
| Investment grants15 | €3k | €0 | €15k | €15k | €4k | ▼ 73.1% |
| Amounts payable17/49 | €817k | €855k | €1.11M | €1.05M | €1.12M | ▲ 6.4% |
| Amounts payable after more than one year17 | €363k | €360k | €327k | €469k | €498k | ▲ 6.3% |
| Financial debts170/4 | €363k | €220k | €187k | €329k | €358k | ▲ 9.0% |
| Other amounts payable178/9 | - | €140k | €140k | €140k | €140k | = |
| Amounts payable within one year42/48 | €403k | €442k | €773k | €581k | €619k | ▲ 6.5% |
| Current portion of amounts payable after more than one year42 | €88k | €99k | €122k | €180k | €211k | ▲ 17.1% |
| Financial debts43 | €140k | €194k | €182k | €23k | €26k | ▲ 12.3% |
| Credit institutions430/8 | - | €194k | €182k | €23k | €26k | ▲ 12.3% |
| Other loans439 | €140k | - | - | - | - | - |
| Trade debts44 | €143k | €87k | €364k | €102k | €68k | ▼ 32.8% |
| Suppliers440/4 | €143k | €87k | €364k | €102k | €68k | ▼ 32.8% |
| Taxes, remuneration and social security45 | €33k | €59k | €69k | €92k | €104k | ▲ 13.5% |
| Taxes450/3 | €3k | €11k | €3k | €14k | €21k | ▲ 50.5% |
| Remuneration and social security454/9 | €30k | €48k | €66k | €78k | €84k | ▲ 7.1% |
| Other amounts payable47/48 | - | €3k | €35k | €185k | €210k | ▲ 13.5% |
| Accrued charges and deferred income492/3 | €51k | €53k | €7k | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-106k | €186k | €152k | €72k | €98k | ▲ 36.6% |
| + Depreciation and write-downs630 | €174k | €169k | €180k | €272k | €300k | ▲ 10.3% |
| Operating cash flow (approximation) | €68k | €356k | €332k | €344k | €398k | ▲ 15.8% |
| Investment in fixed assets (approximation) | - | €-358k | €-420k | €-230k | €-319k | ▼ 38.4% |
| Change in cash | - | €-100k | €20k | €-5k | €89k | ▲ 1,913% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €500kEq €540k ▲19.2%
4 profitable years in a row build equity to €540k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €186k
Net result €186k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €214k ▲597%
Equity rises from €31k to €214k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-295k
Net result drops to €-295k, the lowest in the series; recovery starts the following year.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 35 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Mons · 2 establishment units since 1949
Ground area
6,523 m²
Building footprint
1,607 m²
Volume, LiDAR
11,385 m³
2 parcels, Flanders, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
SELECTA
since 19492.003.590.032
Selecta
since 20262.390.477.797
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53019A0025/00R002 | Wallonia | 4,832 m² | 1 · 1,407 m² | 8.7 m · 3 fl. |
| 11015A0082/00B002 | Flanders | 1,690 m² | 1 · 199 m² | 12.9 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 998 companies in sector 96102 we hold annual accounts for 458. 217 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL 2025
96101Personal service activities
96102Launderettes and laundries for private customers
Scores and ratios are computed by Checked and are not a credit decision.