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Biella · 112 m² · Shop

Shop at auction in Via San Filippo 3, Biella, 112 m²

Via San Filippo 3, Biella

The appraisal report in brief

  1. Occupancy and title

    Lot 2: the shop is occupied by the company Matrixx s.r.l. under a lease running from 01/06/2025 to 31/05/2031, at a rent of €12,000.00 a year plus VAT.

    «Alla data del sopralluogo tenutosi il 29/04/2026, i beni risultano occupati da attività commerciale, in forza di contratto di locazione del 01/06/2025, alla soc. Matrixx s.r.l.»

    Quote from the report (Italian), page 19 ↗
  2. Planning and land-registry discrepancies

    Lot 2: the appraiser writes that regularising the property requires a Cila/Scia regularisation and an update of the cadastral record, at an estimated cost of about €5,000.00.

    «Per regolarizzare l'immobile sarà necessario presentare una Cila/Scia in sanatoria e aggiornare la scheda catastale»

    Quote from the report (Italian), page 31 ↗
  3. Planning and land-registry discrepancies

    Lot 2: the cadastral size is 269 m² while the surface area is 332 m², a difference the appraiser probably attributes to walls of significant thickness.

    «nella visura, tra la consistenza e la superfice castale c’è una differenza rilevante (63 mq)»

    Quote from the report (Italian), page 30 ↗
  4. Planning and land-registry discrepancies

    Lot 2: the property complies with the plan in the 2001 title deed, except for some vertical partitions, and the changing rooms (camerini) have not been built in the rooms intended as offices.

    «L’immobile è conforme alle tavole grafiche del titolo del 2001, ad eccezione di alcuni divisori verticali»

    Quote from the report (Italian), page 29 ↗
  5. Unpaid condominium fees

    Lot 2: the appraiser reports overdue condominium charges, dating from before the bankruptcy, of about €12,730.00 payable by the bankrupt company.

    «Le spese arretrate, antecedenti la data del fallimento, a carico della società fallita sono di circa a € 12.730,00.»

    Quote from the report (Italian), page 32 ↗
  6. Other

    Lot 2: a judicial mortgage (ipoteca giudiziale) registered on 31/10/2024 in favour of Banca Sella S.p.A. for €800,000.00 appears, together with the registration of the judicial liquidation.

    «ipoteca giudiziale iscritta presso la Conservatoria dei Registri Immobiliari di Biella in data 31 ottobre 2024»

    Quote from the report (Italian), page 16 ↗
  7. Restrictions and easements

    Lot 2: the deed of origin grants the buyer the right to keep the gate open from number 3 Via San Filippo to the condominium courtyard until 20:00, and the exclusive use of a portion of the courtyard.

    «la parte acquirente ha diritto di tenere aperto il portone che chiude l’accesso dal civico numero 3 della Via San Filippo al cortile condominiale sino alle ore 20 di ogni giorno.»

    Quote from the report (Italian), page 13 ↗
  8. Systems (plumbing, electrical, heating)

    Lot 2: the condominium minutes raised objections to the placement of the external units of the air-conditioning system in the courtyard of Via dei Seminari and to some works carried out by the bankrupt company.

    «sono state sollevate delle critiche rispetto al posizionamento delle unità esterne dell’impianto di aria condizionata nel cortile di via dei Seminari»

    Quote from the report (Italian), page 32 ↗
  9. Regularisation costs

    Lot 2: the appraiser applies a 15% depreciation to the value, including in it the costs of regularisation and technical consultancy.

    «si ritiene opportuno deprezzare il valore dell'immobile di un 15%»

    Quote from the report (Italian), page 37 ↗
  10. State of repair

    Lot 2: the appraiser writes that the premises are in good state of maintenance.

    «Complessivamente i locali si trovano in buono stato di manutenzione.»

    Quote from the report (Italian), page 27 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 38 of 38. Summary of 5 November 2026. Open the report ↗

The lot

Shop of 112 m² in Biella: base price €224,000 (€2,000/m²), occupied (as stated in the notice).

TypeShop
Surface area112 m²
Occupancy statusOccupied: who lives there and on what basis is set out in the appraisal report · from the notice
Deadline for offers25/11/2026 at 13:00 · in 20 days
Auction date26/11/2026 at 15:00
Minimum offer€168,000
Deposit10% of the price you offer
Minimum bid increment€2,000
Type of saleCompetitive sale in insolvency proceedings (Court of Milan), published on the Public Sales Portal
Sale methodOnline asynchronous auction: offers and bids online over a number of days, without being present
ProceedingsJudicial liquidation no. 637/2025 · Lot 2 · Court of Milan
Viewings and informationCustodian: SIVAG SPA · fallimenti-immobili@sivag.com

Offers due by Wednesday 25/11/2026 at 13:00; auction on Thursday 26/11/2026.

Read the text of the notice

From the notice: Judicial liquidation Galileo Srl R.G. 637/2025: Biella Via S.

How to take part

Irrevocable offer as set out in the terms of sale, online on the Public Sales Portal (Portale Vendite Pubbliche) or on the website of the sale operator. Minimum offer (offerta minima) €168,000.

  1. 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.
  2. The irrevocable offer is submitted as set out in the terms of sale (disciplinare), online on the Public Sales Portal or on the website of the sale manager by Wednesday 25/11/2026 at 13:00.
  3. 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

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: €16,800 (10% of the minimum offer, as the notice requires) or €22,400 if you offer the base price
  • Registration tax: €15,220 (9%, minimum €1,000, plus €100 for mortgage and cadastral taxes); if a business is being sold, VAT may apply: the notice says so
  • 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 €168,000: approximately €184,220-€185,720
  • 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: €57,120 – €96,320

OMI values for shops, area “Centro Storico”, first half of 2026, normal condition, × 112 m².

The potential margin

ScenarioTotal costResaleMargin
Resell as it isminimum offer €168,000 + taxes €15,220 + delegated professional €1,000 – €2,500€184,220 – €185,720€57,120 – €96,320OMI, normal condition−€128,600 – −€87,900

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

  1. 25 September 2026€280,000

    No bids (deserted)

  2. 26 November 2026€224,000

    This sale · 20% 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 €168,000, with a minimum offer from €126,000. This is the maximum reduction, not a forecast.

Where it is

Position taken from the address in the notice: it may be approximate. © OpenStreetMap contributors, open the map.

The market here

Auctions in Biella ↗
  • Area value: in OMI area B2 “Centro Storico” (central), for shops in normal condition, the Italian Revenue Agency gives between €510 and €860 per m² of gross floor area. At the starting price it costs €2,000 per m²: 133% above the maximum of the area. For 112 m² the area range is worth between €57,120 and €96,320. Rents in the area: 4.9–8.7 €/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.
  • 724 homes sold in the last 4 quarters (provincial capital, BI), 27% with a mortgage. In Q2 2026: −24% on a year earlier.Italian Revenue Agency – OMI, data up to Q2 2026.
  • Average declared income in Biella: €28,275 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€907 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.

At least one of email and phone is required.

We call you back for free