Shop at auction in Via Roncaglio 1C, Civate, 107 m²
Via Roncaglio 1C, Civate (Lecco)
Photos published with the sale documents. The official notice prevails.
The appraisal report in brief
- Occupancy and title
Lot 1: the appraiser writes that at the time of the inspection the properties were occupied by the bankrupt company.
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Quote from the report (Italian), page 8 ↗ - Unauthorised building works
Lot 1: the appraiser writes that, according to information received from the Municipality of Civate, the unauthorised building works can be regularised by submitting a regularisation building application.
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Quote from the report (Italian), page 8 ↗ - Regularisation costs
Lot 1: the appraiser states that the regularisation involves a total cost of the amount indicated in the text, including VAT, social security contributions, and technical and certification costs.
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Quote from the report (Italian), page 8 ↗ - Systems (plumbing, electrical, heating)
Lot 1: the appraiser writes that the plant certifications are not present and that the energy performance certificate is missing.
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Quote from the report (Italian), page 8 ↗ - Planning and land-registry discrepancies
Lot 1: the appraiser writes that the cadastral floor plans do not properly represent the properties and that a new cadastral record sheet is needed.
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Quote from the report (Italian), page 5 ↗ - Unpaid condominium fees
Lot 1: the appraiser writes that the arrears, around 2 years, are payable by the buyer as regards the last two years.
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Quote from the report (Italian), page 11 ↗ - State of repair
Lot 1: the appraiser states that the property is in good condition and maintenance but needs regularisation; unpaid condominium charges are recorded.
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Quote from the report (Italian), page 7 ↗ - Restrictions and easements
Lot 1: the appraiser reports a judgment opening judicial liquidation proceedings, transcribed in favour of the body of creditors.
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Quote from the report (Italian), page 9 ↗ - Other
Lot 1: the appraiser writes that the value of the property must be reduced because the property lacks guarantee against hidden defects.
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Quote from the report (Italian), page 10 ↗
Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 11 of 11. Summary of 5 November 2026. Open the report ↗
The lot
Retail unit of 107 m² in Civate: base price €78,000 (€729/m²), vacant (as stated in the notice).
| Type | Shop |
|---|---|
| Surface area | 107 m² |
| Occupancy status | Vacant · from the notice |
| Deadline for offers | 19/11/2026 at 13:00 · in 14 days |
| Auction date | 20/11/2026 at 15:30 |
| Minimum offer | €58,500 |
| Deposit | 10% of the price you offer |
| Minimum bid increment | €1,000 |
| Type of sale | Competitive sale in insolvency proceedings (Court of Milan), published on the Public Sales Portal |
| Sale method | Online asynchronous auction: offers and bids online over a number of days, without being present |
| Proceedings | Judicial liquidation no. 216/2026 · Lot 1 · Court of Milan |
| Viewings and information | Custodian: SIVAG SPA · fallimenti-immobili@sivag.com |
Offers due by Thursday 19/11/2026 at 13:00; auction on Friday 20/11/2026.
Read the text of the notice
From the notice: Judicial liquidation Hobby & Volley Srl R.G. 216/2026: Civate (LC) Via Roncaglio 1/c Shop, 17 Property vacant for the purposes of the Procedure.
How to take part
Irrevocable offer as set out in the rules, online on the Public Sales Portal (Portale delle Vendite Pubbliche, PVP) or on the website of the sale operator. Minimum offer (offerta minima) €58,500.
- This is a competitive sale managed by the receiver of the proceedings: read the disciplinare (sale terms), which sets out where and how the offer must be delivered. To visit the property, contact the court-appointed custodian (custode): SIVAG SPA · fallimenti-immobili@sivag.com.
- The irrevocable offer is submitted as the rules (disciplinare) indicate, online on the Public Sales Portal or the sale operator's website, by Thursday 19/11/2026 at 13:00.
- If you are awarded the lot (aggiudicazione), you pay the balance within the deadlines set out in the disciplinare and sign the notarial deed (rogito) with the notary; mortgages and seizures are then cancelled by decree of the delegated judge.
The public appraisal report, with photos and the condition of the property, is free and is among the attachments to the notice: read it before making an offer.
Official documents
- Notice of sale PDF on the source site
- Photographic documentation (annex to the appraisal report) PDF on the source site
- Appraisal report PDF on the source site
- Cadastral floor plan PDF on the source site
- Appraisal report (part 2) PDF on the source site
- Appraisal report (part 3) PDF on the source site
- Appraisal report (part 4) PDF on the source site
- Sale order PDF on the source site
The documents remain on the servers of the seller: here you will only find the link.
Official listing on the Public Sales Portal (book a viewing)
Source of data: Judicial auction (official notice). Colpo d’Asta is a private service, not the official sale website: the notice prevails. Report an error or request the removal of this listing.
Costs and conditions to factor in
The items below are the general rules for this type of sale: the exact figures are in the notice linked at the bottom.
- Deposit (cauzione): 10% of the offered price, as set out in the sale rules
- Balance payable under the disciplinare terms
- Notary's fee for the notarial deed, payable by the buyer
- Registration tax as in a normal sale; if the company in the proceedings is selling business assets, the sale may be subject to VAT (IVA): check the disciplinare
- No commission to pay to the court or the seller. If you choose our assisted service, the fee is separate and we will tell you in writing before we start
What you really need
- Deposit: €5,850 (10% of the minimum offer, as the notice requires) or €7,800 if you offer the base price
- Registration tax: €5,365 (9%, minimum €1,000, plus €100 for mortgage and cadastral taxes); if a company is selling, VAT may apply: this is stated in the notice
- Notary's fee for the notarial deed (payable by the buyer), transcription and change of ownership: approximately €1,000-€2,500, more for higher amounts
- Indicative total budget starting from €58,500: about €64,865–€66,365
- These are estimates based on the general rules, not a quote: the exact figure depends on the notice, your tax situation and the bank.
The investment figures
What it is worth on the market
As it is: €117,700 – €160,500
OMI values for shops, area “Centro Edificato”, first half of 2026, normal condition, × 107 m².
The potential margin
| Scenario | Total cost | Resale | Margin |
|---|---|---|---|
| Resell as it isminimum offer €58,500 + taxes €5,365 + delegated professional €1,000 – €2,500 | €64,865 – €66,365 | €117,700 – €160,500OMI, normal condition | +€51,335 – +€95,635 |
Estimates based on local averages and typical costs, not an appraisal or a quote: the actual condition is stated in the appraisal report.
Excludes VAT on the works, designer, tax credits, sale costs (agency) and taxes on capital gains if you resell within 5 years.
History of the lot
- 30 September 2026€104,000
No bids (deserted)
- 20 November 2026€78,000
This sale · 25% lower than the previous attempt
If this sale gets no bidders, the judge can lower the starting price by up to a quarter (art. 591 of the Code of Civil Procedure): the next attempt could start from about €58,500, with a minimum offer from €43,875. This is the maximum reduction, not a forecast.
Where it is
Via Roncaglio 1C, Civate (Lecco)
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Position taken from the address in the notice: it may be approximate. © OpenStreetMap contributors, open the map.
The market here
Auctions in Civate ↗- Area value: in OMI area B2 “Centro Edificato” (central), for shops in normal condition, the Italian Revenue Agency gives between €1,100 and €1,500 per m² of gross floor area. At the starting price it costs €729 per m²: 34% below the minimum of the area. For 107 m² the area range is worth between €117,700 and €160,500. Rents in the area: 5.3–7.3 €/m² a month.Italian Revenue Agency – OMI, values for the first half of 2026. These are average values for the area: they do not reflect actual condition, occupancy or unauthorised works, and at auction the price can rise above the starting price.
- 4,007 homes sold in the last 4 quarters (rest of the province, LC), 47% with a mortgage. In Q2 2026: −6% on a year earlier.Italian Revenue Agency – OMI, data up to Q2 2026.
- Average declared income in Civate: €28,384 a year.Italian Ministry of Economy and Finance, tax year 2024.
The monthly payment, as a guide
€316 a month
Starting point: a mortgage of 80% of the starting price, 25 years, at the average rate of new mortgages in Italy (3.6%, ECB 2026-09). French amortisation at a fixed rate, fees and insurance excluded. Your bank sets the real rate: this is not a credit offer.
We call you back for free about this property
An agent reads the notice and the appraisal with you and explains the steps to take part. No commitment: any professional services and their costs are agreed beforehand.
The official notice of sale prevails.