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Complete company report
Generated 16-08-2026
Active BE 0405.687.949Coöperatieve vennootschap met beperkte aansprakelijkheid

Caution Mutuelle du Tournaisis

Rue des Bergers(TOU) 3 ·7500 Tournai, Belgium· 58 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of Caution Mutuelle du Tournaisis is 0.2% (very low). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 58 yrs
Board 1
Locations 1
Publications 4
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −No NACE activity registered +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 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 Flags0 events
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.
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 volledig 22-05-2025 2025-00110398
31-12-2023 volledig 25-04-2024 2024-00070923
31-12-2022 volledig 21-03-2024 2024-00047210
31-12-2021 volledig 05-05-2022 2022-20025634
31-12-2020 volledig 24-04-2021 2021-12900192
31-12-2019 volledig 03-06-2020 2020-14500210
31-12-2018 volledig 24-04-2019 2019-10500543
31-12-2017 volledig 29-05-2018 2018-14300483
31-12-2016 volledig 30-05-2017 2017-13600158
31-12-2015 volledig 09-05-2016 2016-11700590
Directors & mandates 2 directors
Current directors & mandates
  • Stéphanie Delaunoy
    Director
    State Gazette act 23061652 (09-05-2023)
    Current
    09-05-2023 → present
Former directors (1)
  • Roger Nef
    Director
    State Gazette act 23061652 (09-05-2023)
    Former
    - → 09-05-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary -
Legal form Coöperatieve vennootschap met beperkte aansprakelijkheid(008)
Incorporation01-01-1968
StatusActive
Postal code7500
Establishment units 1 location
Rue Perdue(TOU) 7, 7500 Tournai
borgstelling en waarborg
since 19312.004.696.327
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
57081E0512/00A000 Wallonia 716 m² 1 · 129 m² 24.8 m · 8 fl.
57463K0316/00S003 Wallonia 314 m² 1 · 679 m² -
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 14 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
22-05-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
19-05-2025
State Gazette act Director changes
2024
08-05-2024
State Gazette act Director changes
25-04-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
21-03-2024
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2023
09-05-2023
State Gazette act Director changes
2022
05-05-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
04-05-2022
State Gazette act Director changes
2021
24-04-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
03-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
24-04-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
29-05-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
30-05-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
09-05-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
Belgian State Gazette reading coverage 0 of 17 acts read

We know of 17 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 4 acts
All acts · 4 updated 1 year ago
2025
19-05-2025 Luc FAJ reappointed as statutory auditor Director changes
  • Luc FAJ, Commissaris
Technical details 
{
  "events": [
    {
      "kind": "commissaris_renew",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Luc FAJ",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": {
        "kbo": null,
        "name": "Luc FAIJ",
        "address": null,
        "country": null,
        "legal_form": "SPRL"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "renouvellement pour une dur\u00E9e de trois ans le mandat de commissaire de Luc FAJ SPRL Civile, repr\u00E9sent\u00E9e par Luc FAIJ jusqu\u0027\u00E0 l\u0027issue de l\u0027assembl\u00E9e g\u00E9n\u00E9rale de 2028.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "3"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Tournai",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-05-19",
    "filing_date": "2025-05-09",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-04-17",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0405.687.949",
    "name_full": "CAUTION MUTUELLE DU TOURNAISIS",
    "legal_form": "S.C.R.L."
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2024
08-05-2024 Jean-Louis Deghoy reappointed as statutory auditor Director changes
  • Jean-Louis Deghoy, Commissaris
Technical details 
{
  "events": [
    {
      "kind": "commissaris_renew",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Jean-Louis Deghoy",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-05-08",
    "filing_date": "2024-04-18",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-04-18",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0405.687.949",
    "name_full": "CAUTION MUTUELLE DU TOURNAISIS",
    "legal_form": "S.C.R.L."
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
09-05-2023 1 director appointed, 1 resigning Director changes
  • Stéphanie Delaunoy, Bestuurder
  • Roger Nef, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Roger Nef",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "St\u00E9phanie Delaunoy",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": null,
    "filing_date": "2023-04-20",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-04-20",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0405.687.949",
    "name_full": "CAUTION MUTUELLE DU TOURNAISIS",
    "legal_form": "SCRL"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2022
04-05-2022 2 reappointed Director changes
  • Luc FAIJ, Commissaris
  • Didier Craeye, Gedelegeerd bestuurder
Technical details 
{
  "events": [
    {
      "kind": "commissaris_renew",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Luc FAIJ",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": {
        "kbo": null,
        "name": "Luc FAIJ SPRL Civile",
        "address": null,
        "country": null,
        "legal_form": "SPRL"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "renouvellement pour une dur\u00E9e de trois ans le mandat de commissaire de Luc FAIJ SPRL Civile, repr\u00E9sent\u00E9e par Luc Faij jusqu\u0027\u00E0 l\u0027issue de l\u0027Assembl\u00E9e G\u00E9n\u00E9rale de 2025",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2025"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "administrateur_d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "Didier Craeye",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "renouvellement pour une dur\u00E9e de six ans le mandat d\u0027administrateur de Monsieur Didier Craeye jusqu\u0027\u00E0 l\u0027issue de l\u0027Assembl\u00E9e G\u00E9n\u00E9rale de 2028",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2028"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2022-05-04",
    "filing_date": "2022-04-21",
    "act_kind_objet": "Renouvellement - Nomination"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2022-04-21",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0405.687.949",
    "name_full": "CAUTION MUTUELLE DU TOURNAISIS",
    "legal_form": "S.C.R.L."
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR Caution Mutuelle du Tournaisis
Registered office
Rue des Bergers(TOU) 3 bus 12
7500 Tournai, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative