La Mutuelle
The computed 12-month bankruptcy probability of La Mutuelle is 0.3% (very low). The 2023 annual accounts show equity of €26k and a net result of €4k. Equity is growing by ~60.4% per year across the filed fiscal years. The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €26k |
| Net result | €4k |
| Active | 58 yrs |
| Board | 4 |
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →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).
Show 5 other metrics
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €4k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €394 |
| Dividends | - |
| Total assets | €54k |
| Equity | €26k |
| Debt | €28k |
| of which ≤ 1y | €28k |
| of which > 1y | - |
| Working capital | €26k |
| Employees (FTE) | - |
| 2023 | |
|---|---|
| Current ratio | 1.90 |
| Quick ratio | 1.90 |
| Working capital ratio | 47.5% |
| Solvency | 47.5% |
| Debt / equity | 1.11 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 7.3% |
| ROE | 15.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (20 line items)
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €54k |
| Current assets | 29/58 | €54k |
| Amounts receivable within one year | 40/41 | €35k |
| Investments | 50/53 | €245 |
| Cash & bank | 54/58 | €19k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €54k |
| Equity | 10/15 | €26k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €115k |
| Accumulated profits (losses) | 14 | €-107k |
| Amounts payable | 17/49 | €28k |
| Amounts payable within one year | 42/48 | €28k |
| Income statement | ||
| Gross operating margin | 9900 | €-4k |
| Operating result | 9901 | €-5k |
| Financial income | 75 | €2k |
| Financial charges | 65 | €-8k |
| Result before taxes | 9903 | €4k |
| Income taxes | 67/77 | €394 |
| Net result for the period | 9904 | €4k |
| Result to be appropriated | 9905 | €4k |
-
Current07-06-2017 → present
2 events
- 28-05-2021 Mandate renewed· Director
- 07-06-2017 Mandate renewed· Director
-
Current07-06-2017 → present
3 events
- 14-11-2025 Appointed· Manager
- 28-05-2021 Mandate renewed· Director
- 07-06-2017 Mandate renewed· Director
-
Current09-11-2016 → present
2 events
- 28-05-2021 Mandate renewed· Director
- 09-11-2016 Appointed· Director
-
Current09-11-2016 → present
2 events
- 28-05-2021 Mandate renewed· Director
- 09-11-2016 Appointed· Director
Former directors (8)
-
Former01-07-2017 → 23-05-2018
2 events
- 23-05-2018 Resigned· Director
- 01-07-2017 Appointed· Director
-
Former04-08-2016 → 26-06-2017
2 events
- 26-06-2017 Resigned· Director
- 04-08-2016 Appointed· Director
-
Former- → 09-11-2016
-
Former01-07-2014 → 31-07-2016
2 events
- 31-07-2016 Resigned· Director
- 01-07-2014 Appointed· Director
-
Former- → 29-09-2014
| NACE primary | - |
| Legal form | Coöperatieve vennootschap met beperkte aansprakelijkheid(008) |
| Incorporation | 01-01-1968 |
| Status | Active |
| Postal code | 7711 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003R0344/00B000 | Wallonia | 1,349 m² | 2 · 270 m² | 9.3 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
14-11-2025 1 director appointed, 4 reappointed
- VERZELE Philippe, Zaakvoerder
- DELVILLE Marie-Noëlle, Bestuurder
- CAPART Adeline, Bestuurder
- SEYNAEVE Charles-Henri, Bestuurder
- VERZELE Philippe, Bestuurder
Technical details
{
"events": [
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "DELVILLE Marie-No\u00EBlle",
"address": null,
"birth_date": null
},
"effective_date": "2021-05-28",
"evidence_quote": "Les mandats des administrateurs suivants ont \u00E9t\u00E9 confirm\u00E9s avec effet au 28 mai 2021: MMe Marie-No\u00EBlle DELVILLE - Administratrice"
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "CAPART Adeline",
"address": null,
"birth_date": null
},
"effective_date": "2021-05-28",
"evidence_quote": "Les mandats des administrateurs suivants ont \u00E9t\u00E9 confirm\u00E9s avec effet au 28 mai 2021: Mme Adeline CAPART - Administratrice"
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "SEYNAEVE Charles-Henri",
"address": null,
"birth_date": null
},
"effective_date": "2021-05-28",
"evidence_quote": "Les mandats des administrateurs suivants ont \u00E9t\u00E9 confirm\u00E9s avec effet au 28 mai 2021: M Charles-Henri SEYNAEVE - Administrateur"
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "VERZELE Philippe",
"address": null,
"birth_date": null
},
"effective_date": "2021-05-28",
"evidence_quote": "Les mandats des administrateurs suivants ont \u00E9t\u00E9 confirm\u00E9s avec effet au 28 mai 2021: M Philippe VERZELE - Administrateur"
},
{
"kind": "director_in",
"role": "zaakvoerder",
"person": {
"rrn": null,
"name": "VERZELE Philippe",
"address": null,
"birth_date": null
},
"evidence_quote": "Aussit\u00F4t, le Conseil d\u0027administration s\u0027est r\u00E9uni et a d\u00E9cid\u00E9, \u00E0 l\u0027unanimit\u00E9 des voix, de nommer comme pr\u00E9sident du Conseil d\u0027administration, Monsieur Philippe Verzele"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0401.251.980",
"name_full": "LA MUTUELLE",
"legal_form": "SCRL"
}
}23-05-2018 Corentin Dassonville resigns as director
- Corentin Dassonville, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Corentin Dassonville",
"address": null,
"birth_date": null
},
"effective_date": "2018-05-23",
"evidence_quote": "Lors de l\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinalre du 31 mars 2018, il a \u00E9t\u00E9 d\u00E9cid\u00E9, \u00E0 l\u0027unanimit\u00E9 des voix: -de mettre fin au mandat d\u0027admin\u00EDstrateur de Monsieur Corentin Dassonville, domicili\u00E9 rue de la Fronti\u00E8re, 35 \u00E0 7730 Leers Nord, - de donner d\u00E9charge \u00E0 Monsieur Corentin Dassonville pour l\u0027ex\u00E9cution",
"discharge_granted": true
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0401.251.980",
"name_full": "LA MUTUELLE",
"legal_form": "SCRL"
}
}09-08-2017 1 director appointed, 1 resigning
- Corentin Dassonville, Bestuurder
- Cédric Bouckaert, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "C\u00E9dric Bouckaert",
"address": null,
"birth_date": null
},
"effective_date": "2017-06-26",
"evidence_quote": "de mettre fin au mandat d\u0027administrateur de Monsieur C\u00E9dric Bouckaert, domicili\u00E9 rue Julien Mullie, 3 \u00E0 7711 Dottignies, avec effet au 26 juin 2017, - de donner d\u00E9charge \u00E0 Monsieur C\u00E9dric Bouckaert pour l\u0027ex\u00E9cution de son mandat,",
"discharge_granted": true
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Corentin Dassonville",
"address": null,
"birth_date": null
},
"effective_date": "2017-07-01",
"evidence_quote": "de nommer comme administrateur Monsieur Corentin Dassonville, domicili\u00E9 rue Champ\u00EAtre, 16 \u00E0 7711 Dottignies, avec effet au 1er juillet 2017."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0401.251.980",
"name_full": "LA MUTUELLE",
"legal_form": "SCRL"
}
}07-06-2017 3 directors appointed, 2 resigning, 2 reappointed
- Adeline Capart, Bestuurder
- Charles-Henri Seynaeve, Bestuurder
- Cédric Bouckaert, Bestuurder
- Rudy Dewulf, Bestuurder
- Bernard Vandercleyen, Bestuurder
- Marie-Noëlle Delville, Bestuurder
- Philippe Verzele, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Rudy Dewulf",
"address": null,
"birth_date": null
},
"effective_date": "2016-07-31",
"evidence_quote": "d\u0027acter la d\u00E9mission de: - Monsieur Rudy Dewulf de son poste d\u0027administrateur avec effet au 31 juillet 2016"
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Bernard Vandercleyen",
"address": null,
"birth_date": null
},
"effective_date": "2016-11-09",
"evidence_quote": "- Monsieur Bernard Vandercleyen de son poste d\u0027administrateur avec effet au 09 novembre 2016"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Adeline Capart",
"address": null,
"birth_date": null
},
"effective_date": "2016-11-09",
"evidence_quote": "- de nommer comme administrateurs: - Madame Adeline Capart, domicili\u00E9e rue du Pont Tunnel, 23 \u00E0 7730 Estaimpuis avec effet au 09 novembre 2016"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Charles-Henri Seynaeve",
"address": null,
"birth_date": null
},
"effective_date": "2016-11-09",
"evidence_quote": "- Monsieur Charles-Henri Seynaeve, domicili\u00E9 rue Champ\u00EAtre, 16 \u00E0 7711 Dottignies ave effet au 09 novembre 2016"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "C\u00E9dric Bouckaert",
"address": null,
"birth_date": null
},
"effective_date": "2016-08-04",
"evidence_quote": "- Monsieur C\u00E9dric Bouckaert, domicili\u00E9 rue Julien Mullie, 3 \u00E0 7711 Dottignies avec effet au 04 ao\u00FBt 2016"
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Marie-No\u00EBlle Delville",
"address": null,
"birth_date": null
},
"evidence_quote": "- de renouveller les mandats d\u0027administrateurs de : - Madame Marie-No\u00EBlle Delville, domicili\u00E9e rue du Foyer Dottignien, 24 \u00E0 7711 Dottignies"
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Philippe Verzele",
"address": null,
"birth_date": null
},
"evidence_quote": "- Monsieur Philippe Verzele, domicili\u00E9 rue Terrienne, 2 \u00E0 7711 Dottignies"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0401.251.980",
"name_full": "LA MUTUELLE",
"legal_form": "SCRL"
}
}29-09-2014 1 director appointed, 4 resigning
- Rudy DEWULF, Bestuurder
- Christian DUPONCHEEL, Bestuurder
- Mario LOI, Bestuurder
- Claude PAROL, Bestuurder
- Pierre VANDERHAEGEN, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Christian DUPONCHEEL",
"address": null,
"birth_date": null
},
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale ordinaire du 27 mai 2014, acte la d\u00E9mission de: - Christian DUPONCHEEL ... de leur poste d\u0027administrateur. L\u0027assembl\u00E9e g\u00E9n\u00E9rale donne d\u00E9charge aux administrateurs d\u00E9missionnaires pour l\u0027exercice de leur mandat.",
"discharge_granted": true
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Mario LOI",
"address": null,
"birth_date": null
},
"effective_date": "2014-06-30",
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale ordinaire du 27 mai 2014, acte la d\u00E9mission de: - Mario LOI ... de leur poste d\u0027administrateur. La d\u00E9mission de Monsieur Mar\u00EDo LOI sera effective le 30 juin 2014. L\u0027assembl\u00E9e g\u00E9n\u00E9rale donne d\u00E9charge aux administrateurs d\u00E9missionnaires pour l\u0027exercice de leur mandat.",
"discharge_granted": true
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Claude PAROL",
"address": null,
"birth_date": null
},
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale ordinaire du 27 mai 2014, acte la d\u00E9mission de: - Claude PAROL ... de leur poste d\u0027administrateur. L\u0027assembl\u00E9e g\u00E9n\u00E9rale donne d\u00E9charge aux administrateurs d\u00E9missionnaires pour l\u0027exercice de leur mandat.",
"discharge_granted": true
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Pierre VANDERHAEGEN",
"address": null,
"birth_date": null
},
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale ordinaire du 27 mai 2014, acte la d\u00E9mission de: - Pierre VANDERHAEGEN ... de leur poste d\u0027administrateur. L\u0027assembl\u00E9e g\u00E9n\u00E9rale donne d\u00E9charge aux administrateurs d\u00E9missionnaires pour l\u0027exercice de leur mandat.",
"discharge_granted": true
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Rudy DEWULF",
"address": null,
"birth_date": null
},
"effective_date": "2014-07-01",
"evidence_quote": "Est nomm\u00E9 administrateur avec effet au 1er juillet 2014: Monsieur Rudy DEWULFdomicili\u00E9 Rue Jacquart 28 \u00E0 7711 Dottignies."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0401.251.980",
"name_full": "LA MUTUELLE",
"legal_form": "SCRL"
}
}23-07-2012 Change in the board of directors
Technical details
{
"events": [],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0401.251.980",
"name_full": "LA MUTUELLE",
"legal_form": "SCRL"
}
}| Legal nameFR | La Mutuelle |