Age58 yrs
Real estate1 parcel · 1,349 m²
Summary
Conclusion
the dossier summarised in one paragraphThe 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.
Based on the State Gazette, CBE and 6 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2022 and 2023).
View the result trend Growing equity
Equity grew over 2021-2023. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 393 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 14-08-2024, 14 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | 14-08-2024 | 14 d late | 2024-00346595 |
| 31-12-2022 | 31-07-2023 | 21-08-2023 | 21 d late | 2023-00337968 |
| 31-12-2021 | 31-07-2022 | 30-09-2022 | 61 d late | 2022-20452278 |
| 31-12-2020 | 31-07-2021 | 24-12-2021 | 146 d late | 2021-81800028 |
| 31-12-2019 | 31-07-2020 | 30-10-2020 | 91 d late | 2020-67400170 |
| 31-12-2018 | 31-07-2019 | 28-06-2019 | 33 d early | 2019-26500103 |
| 31-12-2017 | 31-07-2018 | 07-08-2018 | 7 d late | 2018-44300289 |
| 31-12-2016 | 31-07-2017 | 28-07-2017 | 3 d early | 2017-38900021 |
| 31-12-2015 | 31-07-2016 | 25-08-2016 | 25 d late | 2016-48500066 |
| 31-12-2014 | 31-07-2015 | 31-08-2015 | 31 d late | 2015-53800538 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsLong-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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
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?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€4k-42.2%
Working capital€26k+18.1%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 14-08-2024 with the NBB · fiscal year 2023 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~60% of the level (threshold 35%). We therefore deliberately show no projection line.
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).
€4k
-42.2%
18-23
€54k
+8.7%
18-23
€26k
+18.1%
18-23
€26k
+18.1%
18-23
€394
-
18-23
€28k
+1.4%
18-23
€28k
+1.4%
18-23
1.90
+7.2%
18-23
Show 5 other metrics
1.90
+7.2%
18-23
47.5%
+8.7%
18-23
1.11
-14.2%
18-23
15.3%
-51.1%
18-23
7.3%
-46.8%
18-23
Figures by fiscal year
| 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) | - |
Ratios (computed)
| 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) | - |
Balance-sheet composition 2023
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| 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 |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed78
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 4 current directors first appear in the same act (25145188). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
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
3 further former directors in the mandate history. Available in Kantoor S.
See plans →
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | - |
| Legal form | Coöperatieve vennootschap met beperkte aansprakelijkheid(008) |
| Incorporation | 01-01-1968 |
| Status | Active |
| Postal code | 7711 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Julien Mulliestraat(D) 387711 MouscronEstablishment units
1 locationLE PAS PERDU
since 19632.009.055.387
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,349 m²
Buildings2
Building footprint270 m²
Volume (LiDAR)831 m³
Tallest building9.3 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003R0344/00B000 | Wallonia | 1,349 m² | 2 · 270 m² | 9.3 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
6 acts All acts · 6
updated 9 months ago
2025
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
Summary:
v3.2
2018
23-05-2018 Corentin Dassonville resigns as director
2017
09-08-2017 1 director appointed, 1 resigning
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
Summary:
v3.2
2014
29-09-2014 1 director appointed, 4 resigning
- Rudy DEWULF, Bestuurder
- Christian DUPONCHEEL, Bestuurder
- Mario LOI, Bestuurder
- Claude PAROL, Bestuurder
- Pierre VANDERHAEGEN, Bestuurder
Summary:
v3.2
2012
23-07-2012 Change in the board of directors
Summary:
v3.2
Analysis
Financial profile
5 of 5 axes measured85
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
78
Profitability
77
Solvency
91
Growth
78
Stability
100
Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads BankNames & trade names
| Legal nameFR | La Mutuelle |
Registered office
Julien Mulliestraat(D) 38
7711 Mouscron, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.