Facile Ristrutturare: what to do if the works weren't finished

Updated to 5 November 2026 on the basis of the records published by the Court of Rome and on the creditors' portal.

The procedure in figures

Sources: opening decree of the Court of Rome and notice from the judicial commissioners to creditors.

How much clients can recover from the company

Clients who paid deposits for works not carried out are unsecured creditors: they have no priority and receive only the percentage provided for by the plan, on the plan's timetable.

Sources: opening decree (2024), commissioners' notice (2025), Milano Finanza of 27 May 2026.

The records also contain something every client should know. In the opinion quoted in the opening decree, the judicial commissioners' office argued that, after its own adjustments, unsecured claims would receive no payment either in the composition or in a judicial liquidation. The Court nevertheless opened the procedure, and the plan was then amended several times. The plan also provides that any proceeds from damages actions go to clients, for the unpaid part of their claim, through dedicated financial instruments.

In practice: recovery from the company is uncertain and partial. That's why it's worth looking elsewhere too.

What to do straight away in the procedure

1. Notify the commissioners of your claim. The commissioners have asked all creditors to state by PEC, to the procedure's address cp.facileristrutturarespa@pecconcordati.it, the amount of the claim as at 31 May 2024, its origin and the supporting documents, and to provide their own PEC address to receive notices. Without a PEC, communications are only filed in the procedure's case file.
2. Check the amount you're listed for. The list of creditors is prepared by the company. If your claim is higher, for example because of penalties provided for in the contract, it must be documented.
3. Keep track of the deadlines. The vote, court approval and any judicial liquidation have their own time limits, notified by PEC.

Is the contract still open? A choice to make

The records show that the company contacted the clients who, since the start of the composition, had not chosen between performance and termination of the contract, and that 710 clients had not replied or had not been reached.

If your works are at a standstill or never started and the contract hasn't been terminated, deciding what to do with it isn't a detail. This choice determines how much you can claim in the procedure, whether you can act against any finance company and your position regarding the tax bonus. And it's the moment when you can hand the works to another firm without risk of dispute.

The routes outside the company

The law on composition says so expressly: creditors retain their rights against the debtor's co-obligors and guarantors (art. 117 of the Italian Business Crisis Code). There are three main routes.

1. You paid with a loan

If the works were paid for with a loan from a bank or a finance company linked to the renovation contract, art. 125-quinquies of the Italian Consolidated Banking Act provides that the consumer, after formally notifying the company to no avail, may ask the lender to terminate the credit agreement. Termination obliges the lender to refund the instalments already paid and prevents it from claiming the remaining capital. The breach must not be of minor importance.

What counts:

• the loan must be linked to that contract, not a personal loan you took out on your own from your bank;
• the company must be formally notified, even if it's in composition;
• if the loan has already been repaid in full, the Banking and Financial Ombudsman (ABF) has in some cases refused the refund of instalments: this needs checking against the contract.

Here the other party is a solvent intermediary. The route is a complaint and, if that isn't enough, an application to the Banking and Financial Ombudsman (Arbitro Bancario Finanziario, ABF), to be filed within 12 months of the complaint.

2. You used the invoice discount or transferred the tax credit

Many contracts were linked to building bonuses, and the tax credits transferred by clients are today one of the main assets in the plan. If the works weren't completed or don't meet the requirements, in the event of an audit the Italian Revenue Agency may recover the deduction from the beneficiary, i.e. the client (art. 121, para. 5, Decree-Law 34/2020), without prejudice to the joint liability of those who took part in the breach.

Here the question isn't «how much do I recover», but «how much am I at risk, and how do I defend myself». What counts is the state of the works at each progress report (SAL), what the technicians certified and what was reported to the Revenue Agency.

3. There's an insurance policy or a guarantee

For works with tax bonuses, the technicians certifying the works must have professional liability insurance. Some contracts also provide for sureties or policies on the deposits. If a certification doesn't match the works carried out, or if a guarantee covers your deposit, the claim must be addressed to the insurer or the guarantor.

Which documents to prepare

• contract with Facile Ristrutturare and quote;
• payment receipts;
• loan agreement and instalment plan, if any;
• bonus documentation: invoice discount, credit transfer, SAL, certifications;
• communications received from the company or the judicial commissioners;
• photos of the state of the works.

Check your case

Three questions, one minute: we'll show you straight away which of these routes may concern you. If you like, a lawyer from the Legaless network will get back to you for an initial assessment, with no commitment, and before any work will tell you the costs and timescales in writing.

Open the questionnaire

Frequently asked questions

Has Facile Ristrutturare gone bankrupt?

No, at least as of the latest records consulted. The company is in going-concern composition with creditors before the Court of Rome, procedure no. 589/2024, opened on 12 March 2025. If the plan weren't approved or confirmed, judicial liquidation, which replaced bankruptcy, would be opened.

How much does Facile Ristrutturare repay its clients?

It depends on which version of the plan is confirmed. The percentage for the clients' class went from percentages of up to 32,83% in the October 2024 plan to 20,04% in the January 2025 plan, down to the 5% reported by the press for the version voted on in May 2026. Payment is made in instalments, on the plan's timetable.

How do I notify the judicial commissioners of my claim?

By PEC to the procedure's address, cp.facileristrutturarespa@pecconcordati.it, stating the amount of the claim as at 31 May 2024 and its origin, and attaching the contract, receipts and documents. In the same PEC it's best to give your own PEC address to receive communications.

I paid with a loan: do I have to keep paying the instalments?

Don't stop paying on your own initiative: non-payment can lead to a report to credit databases. If the loan is linked to the renovation contract, you can ask the lender to terminate the agreement and refund the instalments paid (art. 125-quinquies of the Italian Consolidated Banking Act), with a complaint and, if needed, an application to the Banking and Financial Ombudsman.

Can the Revenue Agency ask me to pay back the bonus?

Yes, if the works don't meet the requirements or the deductions turn out not to be due, recovery concerns the beneficiary first. The risk depends on the state of the works, the progress reports (SAL) and the certifications: it must be assessed on the site documents.

Can I have another firm finish the works?

Yes, but first it's best to clarify what happens to the contract with Facile Ristrutturare: if it's still in force, handing the works to others without terminating it can lead to disputes and complicate your position on the bonus.

Do I have to have a lawyer?

Not always. The PEC to the commissioners, the complaint to the lender and the application to the ABF can also be filed on your own. A lawyer is useful to choose the right route, quantify the claim, prepare arguments and documents and, when needed, take legal action.

Sources

• Court of Rome, decree opening composition with creditors no. 589/2024, 12 March 2025.
• Judicial commissioners, notice to creditors under art. 104, para. 4, CCII.
• Delegated judge, order of 16 April 2026, and public notice from the commissioners of 12 June 2026 on the transfer of tax credits.
• Creditors' portal, procedure 589/2024.
• Milano Finanza, 27 May 2026, on the vote on the amended version of the plan.

The information on this page is general in nature and is no substitute for advice on the specific case.