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PENOIT

Active Private limited company (pre-2019)founded 2002active for 24 yearsPlace Merlot 6, 4100 SeraingKBO/BCE: BE 0476.678.586 #10 company by equity in Seraing, Real estate sector

Overview

Lifetime

20 annual accounts with figures on one time axis, 24 filings since 2002
peak €705,042 (2025)
€705,042▲ 30.1%
lowest -€34,193 (2012)
€224,333▲ 48.4%
peak €1.0m (2025)
€1.0m▲ 28.9%
€137,698▼ 38.3%
peak 7.5 FTE (2020)
-not published
Board1 name since 2021
1 director
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from €541,985 to €705,042Result from €151,218 to €224,333Equity from €777,061 to €1.0mDebts from €223,114 to €137,698Cash from €12,666 to €206,977

Key points

from the 2025 annual accounts

Equity

€1.0m ▲ 28.9%

PENOIT has made a profit without a break since 2014.

Result

€224,333 ▲ 48.4%
€151,0002024€224,0002025

The result rose in 2025 from €151,218 to €224,333.

Staff

9 employees on 31-12-2025
1320215520227220237102024222025

In 2025, 2 people joined and 2 left.

Liquidity

7.80 was 4.02 in 2024

Short-term debts fell from €209,313 to €130,214.

Filings

24 annual accounts since 2002
AprilJune31 JulyOctober20102020

Eight of the last ten came late. The 2017 accounts came latest: 51 days after the end of the period.

Position in the sector

€224,333

Higher net result than 95% of companies in real estate. Sector median €5,854 · 19,790 companies.

Checked score

Bankruptcy probability within 12 months

Financial strength

Score breakdown

Comparable companies, two years later

In July 2024, 31,386 companies had the same profile as PENOIT has now. Each dot stands for 79 companies, two years later.

93.4%
were still trading
6.0%
stopped another way
0.5%
went bankrupt
  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

Test of the method

The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 2.9% 3.1%
10 5.6% 6.1%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 31,386 companies, not a prediction for PENOIT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0476678586
First establishment FINAPRO, Place Merlot 6, Seraing
Incorporation published on 30-01-2002 · Gazette deed
All 34 events

Comparable companies

same main activity, similar in size and age
Company
PENOIT Seraing - - 87.9% -
AIS Ourthe Vesdre Ambléve Aywaille €1.5m 6.7% 54.0% -
JEMAR & CO Maasmechelen - - 43.2% 6.2
AGENCE IMMOBILIERE SOCIALE D'UCCLE Uccle €2.1m 3.3% 17.5% 8.9
BAILLI MANAGEMENT Ixelles - - 80.1% -
AGENCE IMMOBILIERE SOCIALE EVEROISE HECTOR DENIS - EVERS SOCIAAL WONINGBUREAU HECTOR DENIS Evere €2.6m 6.1% 12.7% 8.8
LOGEMENT SOCIAL GESTION DE LA REGION DE DINANT-PHILIPPEVILLE Dinant - - 58.5% -

These companies have the same main activity as PENOIT: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €1m and €1.3m, founded between 1997 and 2003.

Official details

Source: KBO
Status
Active since 16-01-2002Normal situation
Activity
Real estate agency activitiesNACE 68310and 1 other
Establishment unit
2.115.229.8074100 Seraing, since 20-01-2003
Financial year end
31 December
Peppol
Reachable since 19-11-2025
Company details

Annual accounts 2025

€705,042▲ 30.1%
≈ €1.7mestimated
€224,333▲ 48.4%
€1.0m▲ 28.9%
€1.1m▲ 13.9%
Employeeson 31-12-2025
9=
Filing
Filed on 30-07-2026, 1 day before the end of the filing period
Financials

Insights on PENOIT

PENOIT files the micro format. That format states no turnover. The gross margin rose from €98,821 in 2006 to €705,042 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 30-07-2026, 1 day before the deadline
€705,042
▲ 30.1%
€326,947
▲ 73.3%
€224,333
▲ 48.4%
€885,332
▲ 40.2%
87.9%
▲ 10.2 percentage points
7.80
▲ 3.78

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €1.7m. Estimated: probably between €1.0m and €2.1m.

Balance sheet

balance sheet total €1.1m on 31-12-2025
What the company ownsHow it is paid for

in €m

in euro

Position in the sector

87.9%

Higher than 90% of 19,803 companies in 2025.

7.80

Higher than 90% of 18,977 companies in 2025.

19.7%

Higher than 86% of 19,446 companies in 2025.

PENOIT Middle half of the sector 80% of the sector Micro accounts in real estate (NACE 68)

Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter

Staff

€38,166

Staff costs divided by the average number of full-time equivalents.

level

people who joined people who left

In 2025, 2 people joined and 2 left. Training hours in 2025: 4,953.

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
Balance sheet: assets
20/58 1.1m1.0m979,594907,468808,687686,572580,950430,933353,666311,758271,472211,384214,047232,290301,503247,542295,687450,737329,632265,223
21/28 123,546159,296117,13587,10142,83627,32339,69749,63931,33020,21716,42127,30535,44454,99383,207104,686110,56386,71997,541117,455
21 14,20711,69316,70921,72510,427-------296592-17,50035,00052,50070,00087,500
22/27 109,339147,603100,42565,37632,40927,32339,69749,63931,33020,21716,42127,30535,14854,40183,20787,18675,56334,21927,54129,905
23 21,53327,96831,91422,85328,37426,36929,11729,43522,75111,48712,17118,93028,21729,10032,23237,95828,29427,32510,43813,262
24 87,806119,63568,51142,5234,03595510,58020,2048,5798,7304,2508,3756,93125,30250,97549,22847,2706,89417,10416,643
28 -------------------50
29/58 1.0m840,879862,460820,367765,851659,248541,253381,294322,336291,542255,052184,079178,603177,297218,296142,855185,123364,018232,091147,768
40/41 79,13896,25694,020184,06874,98976,98082,27553,76348,35644,43836,90838,59054,76055,90474,12139,880109,82884,01559,48176,629
40 78,43071,81575,30495,95772,91974,94982,27553,76347,31343,39534,16538,59054,53453,85572,55832,23530,72967,75747,43463,932
41 70824,44118,71688,1122,0702,030--1,0431,0432,744-2252,0491,5637,64579,09916,25812,04712,697
50/53 720,000720,000750,000560,891559,939558,599454,645302,446240,000240,00070,000120,000120,000120,000120,00050,00050,00050,000170,000-
54/58 206,97712,66611,93069,489128,47121,2353,50322,91131,8346,236147,35723,6492,3143422,64652,01424,794229,5002,32870,857
490/1 9,43111,9576,5105,9182,4522,4358302,1742,1468677871,8411,5291,3581,529961501503282282
Balance sheet: equity and liabilities
10/49 1.1m1.0m979,594907,468808,687686,572580,950430,933353,666311,758271,472211,384214,047232,290301,503247,542295,687450,737329,632265,223
10/15 1.0m777,061753,942755,122661,291638,544512,401384,303297,349255,913222,921174,071158,240166,639200,832201,666192,925245,678295,154244,698
10/11 12,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,50012,500
100 ------20,00020,00020,00020,00020,00020,00020,00020,00020,00020,00020,00020,00020,00020,000
101 ------7,5007,5007,5007,5007,5007,5007,5007,5007,5007,5007,5007,5007,5007,500
13 845,154620,821597,701598,882505,051482,303356,161228,063141,10999,67366,68117,8312,0002,0002,0002,0002,0002,0002,0002,000
130/1 2,0002,0002,0002,0002,0002,000354,161226,063139,10997,67364,68115,831--------
130 ------2,0002,0002,0002,0002,0002,0002,0002,0002,0002,0002,0002,0002,0002,000
1311 2,0002,0002,0002,0002,0002,000--------------
1319 ------354,161226,063139,10997,67364,68115,831--------
133 843,154618,821595,701596,882503,051480,303--------------
14 143,740143,740143,740143,740143,740143,740143,740143,740143,740143,740143,740143,740143,740152,139186,332187,166178,425231,178280,654230,198
17/49 137,698223,114225,653152,346147,39648,02868,54846,63056,31755,84548,55137,31355,80665,651100,67145,875102,762205,05934,47820,526
17 7,48413,39719,24625,030---------8,77812,93813,302--1,587-
170/4 7,48413,39719,24625,030---------8,77812,93813,302--1,587-
42/48 130,214209,313206,407127,316147,39648,02852,54846,63056,31754,86248,55137,31355,80653,52484,38332,573102,762205,05932,89120,526
42 5,9135,8486,2875,721-------3018,77812,07719,8275,223-1,5876,2054,292
44 25,17115,44836,52134,06313,83912,7716,3092,59226,86813,0379,2164,99213,81716,09635,2996,4938,20222,7626,2763,652
440/4 25,17115,44836,52134,06313,83912,7716,3092,59226,86813,0379,2164,99213,81716,09635,2996,4938,20222,7626,2763,652
46 -----------2,900--------
45 90,90846,80076,52748,16740,76935,25746,24044,03929,44941,82538,79528,95325,79925,35029,25720,85652,93666,20920,41012,582
450/3 52,92918,48929,22023,98618,14619,79228,49726,3296,58418,10424,64219,0777,6038,6705,0324,20534,17051,9728,9576,000
454/9 37,97928,31147,30724,18222,62315,46517,74317,71022,86523,72114,1539,87618,19716,68124,22516,65118,76614,23711,4536,582
47/48 8,221141,21687,07339,36492,789-----5411677,413---41,624114,501--
492/3 -403----16,000--983---3,3503,350-----
Income statement
76A 2,715--11,3641,810--4,344----13,700-5,5006,700---14,278
9900 705,042541,985477,079460,209416,006392,552357,680294,212268,812213,746190,925131,055106,434158,278163,906151,696154,754258,685200,31798,821
62 309,141313,546321,013246,099236,191196,882144,644147,973184,880148,159113,57791,58595,650151,753113,88797,858111,11094,62169,88546,326
630 53,82035,87528,57916,6307,97115,36116,85315,10811,34012,86710,88420,63919,04633,40850,15343,91740,40035,94233,26831,572
640/8 2,7533,9363,6004,0223,2962,9994,6925,3163,8213,7393,6272,75411,9446,7803,3314,2828,0221,6843,5472,716
66A 12,381------120--4,500-180948---1,50022,589-
9901 326,947188,628123,887193,457168,549177,311191,492125,69568,77148,98162,83816,077-20,206-33,663-3,4645,638-4,778126,43893,61618,206
75/76B 9,60131,0363539801,3403,9542,2212,501104,03716,9252,1041,5781,71657371,4215,166334152
75 9,60131,0363539801,3403,9542,2212,501104,03716,9252,1041,5781,71657371,4215,166334152
65/66B 1,7645501,0337553421,0528035414416301325512,6888291,0808134276131,368738
65 1,7645501,0337553421,0528035414416301325512,6888291,0808134276131,368738
9903 334,784219,114123,207193,681169,547180,212192,909127,65568,34052,38875,13117,631-7,795-33,7241,01311,562-3,784129,49269,99231,897
67/77 110,45167,89537,43458,41449,12754,07064,81040,70226,90319,39626,2811,8006034701,8472,820-44,26119,5367,388
9904 224,333151,21885,773135,267120,420126,142128,09986,95441,43632,99248,85015,831-8,398-34,193-8348,742-3,78485,23150,45624,509
9905 224,333151,21885,773135,267120,420126,142128,09986,95441,43632,99248,85015,831-8,398-34,193-8348,742-3,78485,23150,45624,509
Appropriation of the result
9906 368,073294,959229,513279,007264,161269,882271,839230,694185,176176,732192,590159,571143,740152,139186,332187,166227,394365,885280,654230,198
14P 143,740143,740143,740143,740143,740---------------
791/2 -128,09986,95441,43697,673---------------
691/2 224,333151,21885,773135,267120,420126,142128,09986,95441,43632,99248,85015,831--------
6921 224,333151,21885,773135,267120,420126,142128,09986,95441,43632,99248,85015,831--------
694/7 -128,09986,95441,43697,673-----------48,969134,707--
694 -128,09986,95441,43697,673-----------48,969134,707--
Social balance sheet
9087 8.18.68.267.27.56.85.75.85.64.74.145.84.94.54.43.23.12.5
Hours worked1013 11,34010,60810,6377,9589,8479,8618,8387,2228,1888,2186,4425,1725,7928,7706,6906,5067,3065,1843,8613,087
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 4 older financial years (2002-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 30-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 30-07-2026 2026-00356059 PDF
31-12-2024 micro format 29-08-2025 2025-00434818 PDF
31-12-2023 micro format 30-08-2024 2024-00405971 PDF
31-12-2022 micro format 31-08-2023 2023-00390381 PDF
31-12-2021 micro format 31-08-2022 2022-20371732 PDF
31-12-2020 micro format 16-08-2021 2021-48600021 PDF
31-12-2019 micro format 17-07-2020 2020-30800191 PDF
31-12-2018 micro format 20-08-2019 2019-47400235 PDF
31-12-2017 micro format 20-09-2018 2018-63500196 PDF
31-12-2016 micro format 13-09-2017 2017-60600116 PDF
31-12-2015 full format 30-08-2016 2016-49500520 PDF
31-12-2014 full format 29-09-2015 2015-60400107 PDF
31-12-2013 full format 28-08-2014 2014-48400573 PDF
31-12-2012 full format 26-07-2013 2013-34700574 PDF
31-12-2011 full format 31-10-2012 2012-62300483 PDF
31-12-2010 full format 30-08-2011 2011-45800337 PDF
31-12-2009 full format 29-09-2010 2010-55400575 PDF
31-12-2008 full format 28-08-2009 2009-65200046 PDF
31-12-2007 full format 29-08-2008 2008-64800329 PDF
31-12-2006 full format 19-07-2007 2007-42100107 PDF
31-12-2005 full format 30-08-2006 2006-74301658 PDF
31-12-2004 full format 30-09-2005 2005-80801171 PDF
31-12-2003 full format 28-07-2004 2004-53200700 PDF
31-12-2002 full format 01-08-2003 2003-59402064 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
380,767224,502152,466210,087176,519192,671208,345140,80380,11161,84873,72236,716-1,160-25546,68949,55535,622162,380126,88449,778
278,153187,093114,352151,897128,391141,503144,952102,06252,77645,85959,73436,47010,648-78649,31952,65936,616121,17383,72556,081
18,07078,03658,61360,89523,4842,9876,91137,15722,45316,663012,5008,7975,19428,67438,04064,24425,12014,93421,509
194,311736-57,559-58,981107,23617,732-19,408-8,92325,598-141,121123,70821,3342,280-22,612-29,36727,220-204,706227,173-68,529-
885,332631,566656,053693,051618,455611,220488,705334,664266,019236,679206,500146,766122,797123,773133,913110,28382,361158,959199,200127,242
87.9%77.7%77.0%83.2%81.8%93.0%88.2%89.2%84.1%82.1%82.1%82.3%73.9%71.7%66.6%81.5%65.2%54.5%89.5%92.3%
7.804.024.186.445.2013.7310.308.185.725.315.254.933.203.312.594.391.801.787.067.20
0.140.290.300.200.220.080.130.120.190.220.220.210.350.390.500.230.530.830.120.08
22.4%19.5%11.4%17.9%18.2%19.8%25.0%22.6%13.9%12.9%21.9%9.1%-5.3%-20.5%-0.4%4.3%-2.0%34.7%17.1%10.0%
19.7%15.1%8.8%14.9%14.9%18.4%22.0%20.2%11.7%10.6%18.0%7.5%-3.9%-14.7%-0.3%3.5%-1.3%18.9%15.3%9.2%
over 100over 100over 100over 100over 100---------------

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202531-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date991277
full-time66854
part-time33423
in full-time equivalents8.38.2116.66.5
8.18.68.267.2
On a permanent contract56656
Joined27751
Left210253
Training hours4,9532,8552,624--

Source: social balance sheet in the 2021 to 2025 annual accounts

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€9,141€78,036€58,613€46,425€12,873
Intangible fixed assets€8,929--€14,469€10,611
€53,820€35,875€28,579€16,630€7,971

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on PENOIT

The operating result for 2025 is 73% higher than in 2024 and the highest since 2006. It is the second rise in a row, after the fall in 2023.

Debt's share of the balance-sheet total falls from 22.3% to 12.1%. Equity is higher and debt is lower.

Board & ownership

Board

1 director
Director
listed in the 2025 annual accounts, filed on 30-07-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

Director
Boardmandate already running before its first mention
Mandates as a list
    • Director, since before 31-12-2021

See the board, name and registered office on a given date →

Control

Capital

Contribution
€12,500
Source
2025 annual accounts

Network & group

No group

PENOIT has no parent and no holdings in its annual accounts. is the only director. PENOIT shares no director with another company.

At the same address

Place Merlot 6, 4100 Seraing · 1 other company
Fernandez-Vicente, Mélanie (sole trader)
establishment since 01-10-2024
founded in 2024
1012.605.467

Timeline

Timeline

34 events since 2002

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 1 day before the deadline
2025
Highest result from 2006 to 2025 net €224,333 ▲48.4% The operating result of €326,947 and the net result of €224,333 are both a record.
Equity above €1m equity €1.0m ▲28.9% After 12 profitable years in a row, equity reaches €1.0m.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0476678586
Annual accounts 2024 filed PDFmicro format · 29 days late
2024
Annual accounts 2023 filed PDFmicro format · 30 days late
2023
Annual accounts 2022 filed PDFmicro format · 31 days late
2022
Annual accounts 2021 filed PDFmicro format · 31 days late
2021
Annual accounts 2020 filed PDFmicro format · 16 days late
2020
Annual accounts 2019 filed PDFmicro format · 14 days before the deadline
2019
Equity above €500,000 equity €512,401 ▲33.3% After 6 profitable years in a row, equity reaches €512,401.
Annual accounts 2018 filed PDFmicro format · 20 days late
2018
Annual accounts 2017 filed PDFmicro format · 51 days late
2017
Annual accounts 2016 filed PDFmicro format · 44 days late
2016
Annual accounts 2015 filed PDFfull format · 30 days late
2015
Annual accounts 2014 filed PDFfull format · 60 days late
2014
Back to profit net €15,831 The net result is €15,831, after 3 loss-making years.
Annual accounts 2013 filed PDFfull format · 28 days late
2013
Annual accounts 2012 filed PDFfull format · 5 days before the deadline
2012
Weakest financial year net -€34,193 The net result drops to -€34,193, the lowest from 2006 to 2025. It recovers the following year.
Annual accounts 2011 filed PDFfull format · 92 days late
2011
Annual accounts 2010 filed PDFfull format · 30 days late
2010
Back to profit net €8,742 The net result is €8,742, after one loss-making year.
Liquidity more than doubled current ratio 4.39 The current ratio rises from 1.80 to 4.39. Short-term debt falls from €102,762 to €32,573.
Annual accounts 2009 filed PDFfull format · 60 days late
2009
Annual accounts 2008 filed PDFfull format · 28 days late
2008
Annual accounts 2007 filed PDFfull format · 29 days late
2007
Annual accounts 2006 filed PDFfull format · 12 days before the deadline
2006
Annual accounts 2005 filed PDFfull format
2005
Annual accounts 2004 filed PDFfull format
2004
Annual accounts 2003 filed PDFfull format
2003
Annual accounts 2002 filed PDFfull format
First establishment FINAPRO, Place Merlot 6, Seraing
2002
Incorporation published on 30-01-2002

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

PENOIT was incorporated on 16 January 2002.1 is director of the company according to the 2025 annual accounts.2 Total assets rose from €430,933 in 2018 to €1.1m in 2025 and headcount from 5.7 to 8.1 full-time equivalents.3

  1. 1KBO register
  2. 2National Bank, annual accounts 2025
  3. 3National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0476.678.586
VAT number
BE 0476.678.586
Peppol ID
0208:0476678586
Other Peppol ID
9925:BE0476678586
Legal form
Private limited company (pre-2019)
Status
Active, normal situation
Founded
16-01-2002
Financial year
ends on 31 December
Peppol
Reachable since 19-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
PENOIT in French
Entity type
Legal entity

Activities

NACEBEL 2025
VAT activities
68310 Real estate agency activities main activity
Social security (RSZ) activities
Codes under NACEBEL 2008
VAT activities
68311 Real estate activities main activity
Social security (RSZ) activities
66191 Agents and brokers in banking services main activity
Codes under NACEBEL 2003
VAT activities
70311 main activity
Social security (RSZ) activities
67130 main activity

Registered office and establishments

1 establishment
Establishment Since Unit number
FINAPRO registered office Place Merlot 6, 4100 Seraing 20-01-2003 2.115.229.807

Buildings and parcels at the address

Ground area
249 m²
Buildings
110 m²
Volume, LiDAR
982 m³
Tallest building
10.3 m
Buildings to scale, each on its own parcel
110 m², 10.2 m 110 m², 10.2 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
62354C0032/00P002249 m² 1 · 110 m² 10.2 m · 3