Checked.be
Active
BE 0401.131.028Private limited company
Selecta
Rue des Guimauves SN ·7033 Mons, Belgium· 58 yrs active
Sector: Launderettes and laundries for private customers
(96102)
Conclusion
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 ~23.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 976 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €540k |
| Net result | €98k |
| Staff (FTE) | 17.2 |
| Better than sector | 50% |
Financial profile
79
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
91
Profitability
91
Solvency
63
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1968, 58 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
91
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€50k
estimate, not credit advice
Score history
68
2022
58
2023
78
2024
91
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.53 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.47 (≥ 1.0)
+5
Profitability
ROE 18% (≥ 10%)
+10
Interest coverage
Interest coverage 13.2× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~23.4%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 96, Personal service activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 32.6% | 32.3% | |
| Net result | €98k | €6k | |
| Equity | €540k | €65k | |
| Gross operating margin | €1.12M | €128k | |
| Staff costs | €652k | €180k |
€417k
+11.3%
22-25
€98k
+36.6%
22-25
€398k
+15.8%
22-25
€1.66M
+10.3%
22-25
€540k
+19.2%
22-25
€330k
+42.3%
22-25
17
+13.9%
22-25
€652k
+5.9%
22-25
€0
-100.0%
22-25
€1.12M
+6.4%
22-25
€619k
+6.5%
22-25
€498k
+6.3%
22-25
1.53
+9.6%
22-25
1.47
+9.4%
22-25
32.6%
+8.1%
22-25
2.07
-10.7%
22-25
18.2%
+14.6%
22-25
5.9%
+23.9%
22-25
13.22
+13.6%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | full schema | full schema | full schema |
| Revenue | - | - | - | - |
| EBITDA | €417k | €375k | €355k | €377k |
| Net profit | €98k | €72k | €152k | €186k |
| Cash flow | €398k | €344k | €332k | €356k |
| Staff costs | €652k | €616k | €580k | €410k |
| Income taxes | - | - | €0 | €11k |
| Dividends | - | - | - | - |
| Total assets | €1.66M | €1.50M | €1.49M | €1.07M |
| Equity | €540k | €453k | €381k | €214k |
| Debt | €1.12M | €1.05M | €1.11M | €855k |
| of which ≤ 1y | €619k | €581k | €773k | €442k |
| of which > 1y | €498k | €469k | €327k | €360k |
| Working capital | €330k | €232k | €-16k | €135k |
| Employees (FTE) | 17.2 | 15.1 | 14.4 | 12.4 |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 1.53 | 1.40 | 0.98 | 1.31 |
| Quick ratio | 1.47 | 1.34 | 0.92 | 1.24 |
| Working capital ratio | 19.9% | 15.5% | -1.1% | 12.7% |
| Solvency | 32.6% | 30.2% | 25.6% | 20.0% |
| Debt / equity | 2.07 | 2.32 | 2.90 | 4.00 |
| Long-term debt ratio | 0.92 | 1.03 | 0.86 | 1.69 |
| Interest coverage | 13.22 | 11.63 | 14.87 | 23.85 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 5.9% | 4.8% | 10.2% | 17.4% |
| ROE | 18.2% | 15.8% | 39.9% | 87.2% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €1.66M | €1.50M | €1.49M | €1.07M |
| Fixed assets | 21/28 | €708k | €690k | €732k | €492k |
| Intangible fixed assets | 21 | €66k | €101k | €151k | €86k |
| Tangible fixed assets | 22/27 | €624k | €570k | €562k | €385k |
| Financial fixed assets | 28 | €18k | €18k | €18k | €21k |
| Current assets | 29/58 | €950k | €814k | €757k | €577k |
| Stocks & contracts in progress | 3 | €42k | €35k | €44k | €30k |
| Amounts receivable within one year | 40/41 | €662k | €635k | €558k | €415k |
| Cash & bank | 54/58 | €222k | €133k | €138k | €119k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.66M | €1.50M | €1.49M | €1.07M |
| Equity | 10/15 | €540k | €453k | €381k | €214k |
| Contributions / capital | 10/11 | €25k | €25k | €25k | €25k |
| Reserves | 13 | €511k | €413k | €341k | €185k |
| Accumulated profits (losses) | 14 | - | - | €0 | €4k |
| Amounts payable | 17/49 | €1.12M | €1.05M | €1.11M | €855k |
| Amounts payable after one year | 17 | €498k | €469k | €327k | €360k |
| Amounts payable within one year | 42/48 | €619k | €581k | €773k | €442k |
| Trade debts payable within one year | 44 | €68k | €102k | €364k | €87k |
| Income statement | |||||
| Gross operating margin | 9900 | €1.12M | €1.02M | €971k | €851k |
| Operating result | 9901 | €117k | €103k | €175k | €207k |
| Financial income | 75 | €13k | €1k | €1k | €6k |
| Financial charges | 65 | €32k | €32k | €24k | €16k |
| Result before taxes | 9903 | €98k | €72k | €152k | €197k |
| Income taxes | 67/77 | - | - | €0 | €11k |
| Net result for the period | 9904 | €98k | €72k | €152k | €186k |
| Result to be appropriated | 9905 | €98k | €72k | €152k | €186k |
Legal Structure
| NACE primary | Launderettes and laundries for private customers(96102) |
| Legal form | Private limited company(610) |
| Incorporation | 01-01-1968 |
| Status | Active |
| Postal code | 7033 |
Establishment units
SELECTA
since 19492.003.590.032
Selecta
since 20262.390.477.797
Real-estate footprint
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. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
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
31-12
Financial
Weakest financial yearnet €72k ▼52.9%
Net result drops to €72k, the lowest in the series; recovery starts the following year.
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
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
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.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
9301193012Personal service activities96101Launderettes and laundries for private customers96102
Names & trade names
| Legal nameFR | Selecta |
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