La Mutuelle: what changed
Two fiscal years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.
La Mutuelle
Largest movements
- Cash +€2,745
up €2,745 (+16.7%), from €16,429 to €19,174
mainly Net result for the year (+€3,942) and Tax, wage and social debts (+€394)
- Receivables within one year +€1,592
up €1,592 (+4.8%), from €33,108 to €34,700
- Reserves +€3,942
up €3,942 (+3.6%), from €110,599 to €114,541
of which Distributable reserves: +€3,942
- Gross operating margin -€3,632
down €3,632 (-1104.8%), from -€329 to -€3,961
- Financial income +€1,592
new in 2023: €1,592
- Other operating charges +€1,210
new in 2023: €1,210
- Financial charges -€768
down €768 (-10.7%), from -€7,147 to -€7,915
- Taxes +€394
new in 2023: €394
From the 2022 result to the 2023 result
Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.
Cash bridge derived
Derived from the 2022 and 2023 balance sheets and the 2023 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2022 | 2023 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €49,783 | €54,120 | +€4,337 | +8.7% |
| Current assets | 29/58 | €49,783 | €54,120 | +€4,337 | +8.7% |
| Amounts receivable within one year | 40/41 | €33,108 | €34,700 | +€1,592 | +4.8% |
| Other amounts receivable | 41 | €33,108 | €34,700 | +€1,592 | +4.8% |
| Current investments | 50/53 | €245 | €245 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €16,429 | €19,174 | +€2,745 | +16.7% |
| Total equity and liabilities | 10/49 | €49,783 | €54,120 | +€4,337 | +8.7% |
| Equity | 10/15 | €21,745 | €25,687 | +€3,942 | +18.1% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Reserves | 13 | €110,599 | €114,541 | +€3,942 | +3.6% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,859 | €1,859 | = | 0.0% |
| Tax-exempt reserves | 132 | €5,000 | €5,000 | = | 0.0% |
| Distributable reserves | 133 | €103,739 | €107,682 | +€3,942 | +3.8% |
| Profit (loss) carried forward | 14 | -€107,446 | -€107,446 | = | 0.0% |
| Amounts payable | 17/49 | €28,038 | €28,433 | +€394 | +1.4% |
| Amounts payable within one year | 42/48 | €28,038 | €28,433 | +€394 | +1.4% |
| Taxes, remuneration and social security | 45 | - | €394 | +€394 | |
| Taxes | 450/3 | - | €394 | +€394 | |
| Other amounts payable | 47/48 | €28,038 | €28,038 | = | 0.0% |
| Other operating charges | 640/8 | - | €1,210 | +€1,210 | |
| Gross operating margin | 9900 | -€329 | -€3,961 | -€3,632 | -1104.8% |
| Operating profit (loss) | 9901 | -€329 | -€5,171 | -€4,842 | -1472.7% |
| Financial income | 75/76B | - | €1,592 | +€1,592 | |
| Recurring financial income | 75 | - | €1,592 | +€1,592 | |
| Financial charges | 65/66B | -€7,147 | -€7,915 | -€768 | -10.7% |
| Recurring financial charges | 65 | -€7,147 | -€7,915 | -€768 | -10.7% |
| Profit (loss) for the period before taxes | 9903 | €6,819 | €4,337 | -€2,482 | -36.4% |
| Income taxes | 67/77 | - | €394 | +€394 | |
| Profit (loss) for the period | 9904 | €6,819 | €3,942 | -€2,876 | -42.2% |
| Profit (loss) for the period to be appropriated | 9905 | €6,819 | €3,942 | -€2,876 | -42.2% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2022 and 31 December 2023. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 8 October 2026 via checked.be.