CORNEL & AVRAM CONSTRUCTION
ActiveThe computed 12-month bankruptcy probability of CORNEL & AVRAM CONSTRUCTION is 2.6% (moderate). The 2025 annual accounts show equity of €9k and a net result of €-7k. Equity is growing by ~25.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
32
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-58
Solvency52▼-13
Growth40▼-45
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.36 against 1.64 in 2024; short-term debt: 73.3% and cash: 3.9% of total assets), and 73.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.7%
Return on assets
-21.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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 · 5 filingsDeviation from the deadline
2025
22 d late
2024
92 d late
2023
71 d late
2022
90 d late
2021
86 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€27k▼ 77.5%
2024 · €118k
2021: €33k
2022: €110k
2023: €198k
2024: €118k
2021 → 2025
EBIT margin
-30.0%▼ 31.7pp
2024 · 1.7%
2021: -2.7%
2022: 6.0%
2023: 4.1%
2024: 1.7%
2021 → 2025
Net result
€-7k
2024 · €1k
2021: €-881
2022: €5k
2023: €6k
2024: €1k
2021 → 2025
Working capital
€9k▼ 42.8%
2024 · €16k
2021: €4k
2022: €9k
2023: €14k
2024: €16k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€33k-€110k▲ 233%€198k▲ 79.3%€118k▼ 40.2%€27k▼ 77.5%
Equity€4k-€9k▲ 130%€15k▲ 61.7%€17k▲ 8.4%€9k▼ 44.6%
Operating result€-881-€7k€8k▲ 21.3%€2k▼ 75.7%€-8k
Net result€-881-€5k€6k▲ 9.1%€1k▼ 78.0%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €35k
Equity
€9k▼ 44.6%
Debt
€25k▲ 0.7%
The debt ratio rises from 60.2% to 73.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▼
2024 · €2k
Cash flow
€-7k▼
2024 · €2k
Solvency
26.7%▼
2024 · 39.8%
Current ratio
1.36▼
2024 · 1.64
Quick ratio
1.36▼
2024 · 1.64
Debt / equity
2.75▲
2024 · 1.51
ROE
-80.4%▼
2024 · 7.8%
ROA
-21.4%▼
2024 · 3.1%
Interest coverage
-34.59▼
2024 · 6.58
Debt
€25k▲
2024 · €25k
Debt ≤ 1 year
€25k▲
2024 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€42k€35k▼
Fixed assets21/28€516-
Tangible fixed assets22/27€516-
Furniture and vehicles24€516-
Current assets29/58€41k€35k▼
Amounts receivable within one year40/41€40k€33k▼
Trade receivables40€21k€13k▼
Other amounts receivable41€19k€20k▲
Cash at bank and in hand54/58€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€42k€35k▼
Equity10/15€17k€9k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€12k€4k▼
Amounts payable17/49€25k€25k▲
Amounts payable within one year42/48€25k€25k▲
Trade debts44€16k€14k▼
Suppliers440/4€16k€14k▼
Advances received on contracts in progress46€7k€10k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Income statement
Code20242025
Turnover70€118k€27k▼
Goods, raw materials, services and sundry goods60/61€115k€34k▼
Remuneration, social security and pensions62€50-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€516€516=
Other operating charges640/8€895-
Non-recurring operating charges66A-€-69
Gross operating margin9900€3k€-8k▼
Operating profit (loss)9901€2k€-8k▼
Financial income75/76B€921€758▼
Recurring financial income75€921€758▼
Financial charges65/66B€375€215▼
Recurring financial charges65€375€215▼
Profit (loss) for the period before taxes9903€2k€-7k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€1k€-7k▼
Profit (loss) for the period to be appropriated9905€1k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€4k▼
Profit (loss) brought forward from the previous period14P€10k€12k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-12
Financial
Weakest financial yearnet €-7k ▼675%
Net result drops to €-7k, the lowest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
31-12
Financial
Highest result since 2021net €6k ▲9.1%
Operating result €8k, net result €6k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 90 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 86 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Vilvoorde · 1 establishment unit since 2021
Cannot 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.
Guldenschaapstraat 61800 VilvoordeGround area
8,069 m²
Building footprint
1,872 m²
Volume, LiDAR
725 m³
2 parcels, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Establishment
since 20212.315.607.754
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0041/00F000 | Flanders | 7,975 m² | 1 · 1,789 m² | - |
| 23642D0866/00X000 | Flanders | 93 m² | 1 · 82 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 8,966 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.