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KRISTELIJKE MUTUALISTICHE INTERFEDERALE - INTERFEDERALE MUTUALISTE CHRETIENNE

Active
Non-profit associationfounded 1985active for 41 yearsHaachtsesteenweg 579, 1030 Schaarbeek, Belgium77 active companies are registered at this addressKBO/BCE: BE 0431.147.776
Summary

KRISTELIJKE MUTUALISTICHE INTERFEDERALE - INTERFEDERALE MUTUALISTE CHRETIENNE has been active since 1985 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13.0m and a net result of €3.9m. Equity remains stable across the filed financial years (±1.3% per year). Its solvency ranks better than 41% of 595 sector peers (NACE 87, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

KRISTELIJKE MUTUALISTICHE INTERFEDERALE - INTERFEDERALE MUTUALISTE CHRETIENNEActiveChecked score 95/100

Overview

Activity
Residential care activities
NACE 87999
2nd largest employer in Schaarbeek, Health and social work sector4 sites
Size
€29.1mturnover 2025
Staff
324.3 FTE
Equity
€13.0m
Surplus
€3.9m
Financial health
95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Board
14 members
Auditor: Callens, Vandelanotte & Theunissen BVAccounts 39 days early
Why 95lowers riskLegal form: non-profit associationSector: Residential care activities (NACE 87)Size: turnover €29.1m, 324.3 FTE, total assets €30.2mFounded in 1985Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 63% of its sector peers (NACE 87, large)
Financial strength · tick = 2024
Strong
Solvency 68+11
equity 43.0% of total assets
Liquidity 55+1
short-term debt 23.3% · cash 10.6%
Profitability 87=
return on assets 13.0%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (95 companies, NACE 87, large)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025highest value 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €1,200,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.53, compared with 1.78 in 2024; short-term debt: 23.3% and cash: 10.6% of total assets), but 57% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 87, large): better than 41% on solvency, 63% on liquidity, 99% on profitability and 50% on growth.

The bankruptcy probability was computed on 11-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskneutral
lowers risk · Legal form: non-profit association
KBO
lowers risk · Sector: Residential care activities (NACE 87)
KBO
lowers risk · Size: turnover €29.1m, 324.3 FTE, total assets €30.2m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1985
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €13.0m
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
39 days early
2024
35 days early
2023
23 days early
2022
41 days early
2021
32 days early
2020
30 days early
2019
31 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 33 days before the deadline; the sector median (NACE 87) for financial year 2024 is 27 days before the deadline, and 25% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
12-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Appointments: Anne Bemelmans (director) and Evert…Gazette deed
  2. Annual accounts filedfinancial year 2025 · abbreviated…
  3. Resignations: Pierre De Greef, Marie-Pierre Zovi…Gazette deed

Key points

  • Positive: Among the best 5% on net resultsector median €98,164 · 596 companies €3.9m View
  • Board changedlatest change 18-06-2026 · 14 in office 2 joined · 4 left View
  • Flemish supportawarded from 2022 to 2025 €15.0m View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: Equity rose in 2025from €9.3m to €13.0m ▲ 39.8% View

By topic

Financials

Financial year
2025
Turnover
€29.1m
Profit
€3.9m
Solvency
43.0%
Turnover▼ 2.7%
Net result
20182025
Go to Financials

Board & ownership

Board
14 members
Auditor
Callens, Vandelanotte & Theunissen…
  • Notelaers, ValérieChair
  • Alain LangerDirector
  • Johan TournéDirector
  • Anne BemelmansDirector
  • Mertens Marie-RoseDirector

and 9 other directors

Go to Board & ownership

Timeline

Events
45
Since
2004
Next accounts
by 31-07-2027
  1. 31-12-2025Equity above €10m
  2. 30-12-2025Appointment: Callens, Vandelanotte & Theunissen BV (statutory…
  3. 26-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
4
Legal form
Non-profit association
Activity
Residential care activitiesNACE 87999
Founded
23-04-1985
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
2
Purpose
“L'association qui fait partie intégrante de l'action de l'Alliance nationale des…” (deed in French)
Go to Articles of association

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