Understand property and context
A property lands on your desk: a prospectus, a credit application, a zoning notice or a line in a portfolio review. The question is the same every time: what am I looking at, and is it worth more time? This page goes through the Property panel tab by tab on a single property, and the three map layers that put it in context.
Fourteen registers, one panel
The answer to that question has always been scattered: the matrikkel at Kartverket, the ownership chain and the accounts at Brønnøysundregistrene, the tenants in the business register, the plan at the kommune, the building cases in the municipal public records list, the energy certificate at Enova SF. Each lookup has its own portal, and none of them know about the others.
The panel brings them together on the same matrikkelenhet, so what you read in one tab explains what you see in the next. The example used throughout this page is Tordenskiolds gate 2 in central Oslo, an office building of 5,867 m² from 2006, owned through two corporate layers and let to 174 businesses.
Who this is for
Commercial agents, credit analysts, property lawyers, asset managers and developers who need a complete picture of one property quickly: enough to decide whether it is worth more time, or enough to start a formal process. Assess risk and Analyse value and potential build on the lookup you do here.
The checklist
| Item | What to look for | Where in Placepoint |
|---|---|---|
| What it is | Building Type, UFA, plot, utilisation | Overview and Property |
| Who owns it | Registered owner and the chain above | Owners, the Company panel |
| Who pays | Tenants, employees, tenancy period | Tenants |
| What it has sold for | The property's own transactions with date and price | Transactions |
| Energy | Energy Rating, certifications, TEK | ESG |
| What the municipality holds | Building cases, permits, complaints | Government cases |
| What the plan allows | Current zoning plan and purpose | Zoning |
| The building on its own | Sections, statuses, energy certificate per building | The Building panel |
| The context | Price level, daytime population, public transport coverage around it | Pricing Info, Demographics, Transport and communications |
Search for the address in the search field at the top left, or click the property in the map, and the panel opens on the right. Overview, Property, Owners and Tenants sit in the tab strip; the others sit behind +4 more. See How to use map layers for the map layers.
Video: every tab in the Property panel
The video takes Tordenskiolds gate 2 from search to finished review: the panel is dragged wider until all the tab names fit, and each tab and sub-tab is opened in turn.
Duration: 1 minute and 57 seconds. The full collection sits on Videos.
What the property is
The Overview tab answers whether the property is worth more time. It brings together the building stock, the plot utilisation, the owner and the largest tenants, with a link on to the tab that holds the detail.
For Tordenskiolds gate 2 it shows one building, the building type kontor- og administrasjonsbygning (office and administration building) with 5,867 m² UFA, on a plot of 754 m². Built-up area is 743 m², which is 98.5% of the plot, and the usable floor area is 778% of the plot: a building that fills the entire city-centre plot and goes up. The owner is SpareBank 1 Gruppen AS with 100%, and the largest tenant has 43 employees.
The Property tab takes the areas further: BYA with plot area, built-up area and share of plot, UFA split between residential and other, and below them the hierarchy of plots, buildings and sections that the matrikkelenhet consists of. Here the hierarchy is one building; on a sectioned property, this tab is what shows how many units you are actually looking at.
Who owns it
The Owners tab shows the owner at the top and the ownership structure layer by layer below. The land owner is Tordenskioldsgate 2 Oslo AS, a single-purpose company owned 100% by SpareBank 1 Forsikring AS, which in turn belongs to SpareBank 1 Gruppen AS. It is the chain, not the registered owner, that tells you who your counterparty actually is, and the Owners sub-tab lists each owner as a row with share, interest type and ownership form.
Click the company name and the Company panel opens over the Property panel, with an arrow back. The overview shows organisation number, date of incorporation, registered purpose, revenue and profit for the most recent financial year, number of employees, the property portfolio split by kommune, and the premises the company leases itself. Tordenskioldsgate 2 Oslo AS was incorporated in 2005, has no employees and one property, and its purpose is the purchase, development and letting of real property: a pure holding company for this building, with the rental income making up the whole of the accounts.
Who pays the rent
The Tenants tab lists the businesses registered at the address, with industry, number of employees and how long they have been there, from Brønnøysundregistrene. The overview at the top counts them: 174 tenants, 139 of them with no employees, 436 employees in total, average tenancy three years.
The numbers tell you what kind of building this is before you have read a single row. 174 businesses in 5,867 m², most of them with no employees, is a co-working office, and the row with the longest tenancy, Mesh Oslo AS with the industry utleie av egen eller leid eiendom, is the one running it. Behind it come growth companies with 20 to 40 employees and less than three years of tenancy. For a credit assessment these are two different kinds of rental income: one long contract with the operator, or many short ones with the end users. The tab does not say which it is, but it does say what you need to ask about.
What it has sold for
The Transactions tab shows the property's own sales with date, type and sale price, and share transactions in a separate list. Tordenskiolds gate 2 has three: an unspecified one in 1983, an open-market sale in 2001 at NOK 18.7 million, and a transfer in 2005 at NOK 45 million, the same year the owning company was incorporated and the year before the building was completed. The property has not changed hands since, so you read today's value from the neighbourhood, not from the history; see Analyse value and potential.
Energy and certification
The ESG tab places the energy certificates in the grid of energy rating against heating source, and lists Enova registrations, certifications and TEK level in separate sub-tabs. The office building from 2006 has energy rating C, issued in March 2022 and valid for ten years, one certification and TEK registered. For green lending facilities and ESG reporting, this is the tab that answers, and a certificate that is missing or expired is information too.
What the municipality holds on it
Government cases pulls the municipal public records list (postliste) for the property: building cases, permits, exemptions and complaints, with the number of documents per case. A city-centre address collects a lot: Tordenskiolds gate 2 has 347 cases, and the newest ones concern use of public land, facade works and signage rules in the street as much as the building itself. Show for switches between this property and the surrounding area, and the search field finds the case when you know what you are looking for. An unresolved order sits here, not in Grunnboken.
Risk and documents
Coming soon!
The Risk tab will bring together flooding, landslides, quick clay, radon and contaminated ground for the plot, and the Documents tab will show registered documents and the land register extract. Until then you read the risk from the map, see Assess risk, and order the grunnboksutskrift (land register extract) from Kartverket as before.
What the plan allows
The Zoning tab shows the municipal master plan and the zoning plans that cover the property, with land use purpose, plan ID and a link to the plan document, and Enable map layer puts the plan boundaries on the map. Tordenskiolds gate 2 sits under two older zoning plans with the purposes retail and office, and the sub-plan for the city-centre area. Oslo does not share its municipal master plan digitally, so the tab says so and points to the kommune's own planning portal; that is a limitation in the source, not in the panel.
The building on its own
Click the building in the hierarchy in the Property tab, or directly in the map, and the Building panel opens with the building number from the matrikkel. The overview gives the street view, the usable floor area split between residential and other, and the built-up area; Sections and Units lists the individual units, Building statuses shows framework permit (rammetillatelse), start of works and completion certificate (ferdigattest) with dates, and ESG shows the energy certificate for this specific building. On a property with one building the difference is small; on a property with five, this is where you see which of them is missing its completion certificate.
The context around it
The panel says what the property is. The map layers say what it sits in, and three of them belong in almost every lookup.
Property prices colours the surrounding grunnkrets areas by average sale price. That is the reference point for a property that has not itself been sold in twenty years, and it shows whether the address sits in the most expensive band of the city centre or at the edge of it.
Daytime population shows how many people are in the area during working hours, not where they sleep. For an office building it is this number, not the resident population, that describes the neighbourhood, and the city centre stands out as the darkest field on the map.
Public Transport Density weights the stops by frequency. A tenant with 400 employees asks about this before anything else, and for the parking requirement in a planning case, public transport coverage is the argument.
Take it further
Click Add tag at the top of the panel, and the property sits in Tags under the name you give it, ready for the next round or for export to Excel. Projects collect several properties in one case. The screenshots from the panel and the map go straight into your note.
Neighbouring areas
- How to use map layers for the map layers that give you the context.
- Find property and opportunities when you are looking for the property instead of having been handed it.
- Assess risk when the lookup has to stand up to a credit committee or a counterparty.
- Analyse value and potential when the lookup has to turn into a commercial decision.
- Manage and monitor a portfolio to run the same round across the whole portfolio.