Financials
- Financial year
- 2025
- Total assets
- €432,758
- Profit
- €31,876
- Solvency
- 8.1%
DIERENARTS JOYCE
ActiveSummary
DIERENARTS JOYCE has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34,876 and a net result of €31,876. Its solvency ranks better than 10% of 1,583 sector peers (NACE 75, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Veterinary services
NACE 75000
1 site
Size
€432,758total assets 2025
- Equity
- €34,876
- Profit
- €31,876
Turnover not published (micro format)
Structure
Accounts 31 days early
Why 90raises riskEquity €34,876 (8.1% of total assets)lowers riskSector: Veterinary activities (NACE 75)Size: total assets €432,758Figures for financial year 2025 (filed 30-06-2026)Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 22% of its sector peers (NACE 75, micro)
Financial strength
Average
Solvency
33
equity 8.1% of total assets
Liquidity
49
short-term debt 33.7% · cash 10.8%
Profitability
78
return on assets 7.4%
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).
Last 24 months
07-2026: 0.1%lowest 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 09-2026highest value
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.43, below 1; short-term debt: 33.7% and cash: 10.8% of total assets), and 91.9% 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 75, micro): better than 12% on solvency, 24% on liquidity and 31% on profitability.
The bankruptcy probability was computed on 16-10-2026 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).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 1583 sector peers (2025).
NBB · sector comparisonPosition among 1583 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: LAGEMAN Joyce (director) ·…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Veterinary servicesNACE 75000
- Founded
- 03-06-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 22
- Annual meeting
- Last Friday of June at 18:00
- Purpose
- “Het beoefenen van diergeneeskunde volgens de wettelijke voorschriften en volgens de…” (deed in Dutch)
- Statutory auditor
- No statutory auditor
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark Roughly what is this company worth?Value indication
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.