Joos Lando

Active

Private limited companyfounded 20233 yrs activeWillem Blanckestraat 38, 9050 Gent, BelgiumKBO/BCE: BE 0802.518.810

Summary

Joos Lando has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47,509 and a net result of €18,074. Equity is growing by ~53.9% per year across the filed fiscal years. Its solvency ranks better than 59% of 18230 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

Joos LandoActiveChecked score 97/100

Risk analysis Report Compare

Activity

Physiotherapy

NACE 86951

1 site

Size

€65,678total assets 2025

Equity: €47,509
Profit: €18,074

Turnover not published (abridged schema)

Financial health

97 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts filed 11 d late0 of 1 deed read

Why 97- Founded in 2023+ Sector Human health activities (NACE 86)+ Liquidity: current ratio 3.67, cash €32,468+ Figures for FY 2025 (filed 11-08-2026)Show the evidence

Checked score

Score 2025

97 / 100

Excellent

Probability in this band: under 0.55%

Better than 74% of its sector peers (NACE 86, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 97+2

equity 72.3% of total assets

Liquidity 89+1

short-term debt 27.0% · cash 49.4%

Profitability 100=

return on assets 27.5%

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% (23,628 companies)

Last 8 months 03-2026: < 0.1%lowest value 04-2026: < 0.1%▲ +3.6% vs 03-2026 05-2026: < 0.1%▲ +3.4% vs 04-2026 06-2026: < 0.1%▲ +3.3% vs 05-2026 07-2026: < 0.1%▲ +9.7% vs 06-2026 08-2026: < 0.1%▲ +38.2% vs 07-2026highest value 09-2026: < 0.1%▼ -38.3% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026

Sector Human health activities (NACE 86) lowers the probability
Liquidity: current ratio 3.67, cash €32,468 lowers the probability
Founded in 2023 raises the probability for this profile
Figures for FY 2025 (filed 11-08-2026) lowers the probability

Credit up to €4,500 at 30 days acceptable

Liquidity ample (current ratio 3.67 against 3.25 in 2024; short-term debt: 27% and cash: 49.4% of total assets), and 27.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 86, micro). Better than this share of them on solvency 60%, liquidity 73%, profitability 81%, growth against the median 83%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Human health activities (NACE 86)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 3.67, cash €32,468

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

Figures for FY 2025 (filed 11-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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.

NBB · 3 filings

Deviation from the deadline

2025

11 d late

2024

13 d early

2023

1 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 July (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage