Apartment and condominium risk review
Understand the building obligations before you buy the apartment.
We review the condominium file so you can see debts, approved works, extraordinary charges, disputes and missing records before committing.
- Buyer-side document review
- Building costs made visible
- Written findings and next steps
Price
Starting at €400 — for apartment-level condominium document review
Best time to use
Before signing the CPCV or accepting an apartment purchase with unresolved condominium questions.
You send / you receive
Condominium declaration, minutes, budgets, accounts and property details. → A written summary of costs, decisions, gaps and buyer questions.
The apartment can be sound while the building carries hidden cost exposure.
An apartment purchase also brings the buyer into the condominium. Recent meeting decisions, overdue contributions, major repairs, litigation, insurance gaps or extraordinary assessments can affect the real cost of ownership. A single declaration rarely explains the full history. The review organises the available records and separates confirmed obligations from items that still need evidence.
What we check in the condominium file
The review focuses on decisions and obligations that can affect the buyer after completion.
Debt and payment position
We review the condominium debt declaration and available payment records to understand what is stated as due, who is responsible and whether the position needs clarification before completion.
Meeting minutes and approved works
We read recent minutes for decisions on repairs, lifts, façades, roofs, common areas, litigation, special assessments and other commitments that may create future payments.
Budget, accounts and reserve information
We compare the current budget, annual accounts and available reserve-fund information to identify unusual spending, arrears or funding pressure.
Rules, insurance and administration
We check available regulations, building insurance information and administrator records for restrictions, unresolved issues and gaps that should be raised with the seller.
Documents to send for review
Send the most recent version available. Missing records will be listed in the written findings.
- Condominium debt declaration or statement prepared for the sale
- Recent owners' meeting minutes, ideally covering the last two to three years
- Current budget, latest approved accounts and reserve-fund information
- Building regulations, insurance details and notices of planned works or assessments
What you receive
The output is designed to help you decide what to clarify, condition or price into the purchase.
Buyer risk summary
A concise explanation of the main financial, governance and document risks found in the condominium file.
Cost and works overview
A structured list of approved works, extraordinary charges, recurring costs and payment points that may affect the buyer.
Missing-document list
A clear record of statements, minutes or evidence that were not supplied and should be requested before commitment.
Questions for the seller
Practical questions and conditions to raise with the seller, agent or condominium administrator before moving forward.
How the review works
Send the apartment and condominium file
Provide the documents, the fraction details and any specific concern about costs, works or disputes.
We organise and compare the records
The reviewer checks the documents together rather than treating each statement in isolation.
We identify confirmed and unresolved exposure
Findings distinguish known obligations from missing evidence and points that require clarification.
You receive a buyer-side written conclusion
The report explains the issues, their practical importance and the next questions to raise.
Included in this service
- Review of the supplied condominium declaration, minutes, budget and accounts
- Identification of approved works, extraordinary assessments and relevant disputes
- Review of available building rules, insurance and administrator information
- Written buyer-side findings and missing-document list
- One consolidated set of questions for the seller or administrator
Not included in the base scope
- Physical or structural inspection of the apartment or common parts
- Independent certification of balances not supported by supplied records
- Attendance at condominium meetings or ongoing administration
- Litigation, debt recovery or negotiation with the condominium unless separately agreed
Questions buyers ask
Is the condominium debt declaration enough on its own?
It is an important document, but it may not show the full history of approved works, disputes, arrears by other owners or future assessments. The review reads it together with minutes, budgets and accounts.
Can the buyer become responsible for old condominium charges?
Responsibility depends on when charges became due, the sale documents and the statutory framework. The review identifies the relevant dates and flags any point that should be clarified before completion.
How many years of meeting minutes should I request?
There is no single number that fits every building. Recent minutes covering at least the current issues and major decisions are usually the starting point, with older records requested when a project or dispute began earlier.
Does this service replace a technical inspection?
No. Condominium document review addresses records, decisions and cost exposure. A technical inspection addresses the physical condition of the apartment and building.
Review the condominium file before the apartment becomes your obligation.
Send the available declaration, minutes and accounts. We will identify the building-level issues that deserve an answer before you sign or complete.
Review my purchase