Kontabiliteti në Kosovë po evoluon dhe bizneset duhet të evoluojnë bashkë me të
December 19, 2025Property Valuation
One of your most important assets is your property. But do you know its true value today?
Many business owners believe they “roughly know” the value of their property. In reality, most do not. They rely on neighbors’ sales or online listings—until they need an accurate figure for a bank, an audit, a negotiation, or a legal process. That is precisely when assumptions become an expensive problem.
An up-to-date valuation accepted by banks gives you a true picture of your financial position. Not guesswork, but a solid foundation on which to make decisions.
Property is not just a line on the balance sheet. It affects financing, equity, tax obligations, expansion plans, relationships with partners, and even the potential sale of the business. Neglecting it is one of the most costly mistakes an owner can make.
Why does knowing the real value matter?
When a property’s value is outdated or inaccurate, every decision built on it becomes uncertain.
The value of your property directly affects:
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Borrowing capacity, because banks base lending decisions on professional valuations, not on what you believe your property is worth.
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Negotiating power, whether for sale, lease, or ownership restructuring.
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Financial planning, because you cannot plan expansion or new investment without knowing the value of the asset used as collateral.
These situations happen every day, not just in theory.
Banks do not accept assumptions
If you are considering refinancing, expansion, or applying for a loan, the value of the collateral is critical.
An independent valuation helps you:
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avoid reductions in the loan amount a bank is willing to offer,
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secure better interest rates,
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speed up the approval process.
A valuation makes banks’ work easier and strengthens your position.
The market changes faster than you think
The real estate market is not static. Values shift due to interest rates, new developments, location trends, zoning changes, and construction costs. A figure from 2020 or 2021 is no longer relevant today.
Your property may have:
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increased in value,
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lost value due to condition or aging,
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untapped potential for financing.
The only way to know is through accurate measurement.
Three years is a long time in today’s market
Interest rates, infrastructure, and market dynamics have changed rapidly between 2022 and 2025.
Ask yourself:
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When was the last bank-accepted valuation done?
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Have interest rates, rental demand, or local developments changed since then?
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Does the value on the balance sheet reflect today’s market reality?
If you hesitate on any of these questions, the cost has already begun.
A valuation is not an expense. It is clarity.
A valuation is not about putting a price on a building—it is about regaining control:
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Is refinancing worthwhile?
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Can I expand?
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Is selling part of the business realistic?
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Are the financial statements accurate?
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Am I prepared for partner changes or potential disputes?
Without a valuation, you are moving—but not sure where you are going.
Do not leave your largest assets to guesswork
Most owners wait until a bank, buyer, or partner forces a valuation. At that point, everything becomes more expensive and more stressful.
A property valuation removes uncertainty and gives you back control—for refinancing, expansion, sale, or peace of mind.
Why do companies trust us?
If your last professional valuation is more than three years old—or if you have never done one—you are making decisions in the dark. It is time for an accurate and reliable update.
At Baker Tilly, we provide independent valuations for all purposes: loans and refinancing, sales, partner separations, financial statements, taxation, and market studies.
Contact us today at palush.doda@bakertillyks.com for a consultation regarding the valuation of your property.
