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RomReal Ltd.

Quarterly Report Nov 29, 2018

8160_10-k_2018-11-29_7846e8a3-b8ce-45d0-a9cd-8bcdd05cf537.pdf

Quarterly Report

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Q3

RomReal Limited Third Quarter 2018 Report 30 November 2018

RomReal is a Company focusing on the Romanian Real Estate market. Established in 2005 it owns premium properties in Constanta.

Highlights Third Quarter 2018

Net Asset Value (NAV)

• Net Asset value was EUR 0.49 (NOK 4.86) per share, remaining at the same level as the end of second quarter 2018. There were no changes made to the value of the investment properties during the quarter.

Operational highlights

  • A conditional sale of Balada Market (No.6 on the list) and 1.5 hectares of the Industrial Park (No.4 on the list) has been agreed. On the Lakeside plot (No.1 on the list) the Planning Permission was approved during August 2018 and construction of roads started during November 2018.
  • Un-zoned land, 864,534 m2: In 26 January 2018, the Company entered in a pre-sale agreement for a total price of EUR 625,060 (vs EUR 389,000 as per independent valuation). The transaction is closed and the last instalment of EUR 495,000 was collected during July 2018.
  • During July 2018, RomReal received a tax claim in excess of EUR 1.7m. E&Y has been retained and the Company will pursue all legal means in order to dismiss the claim. On 18th July 2018, the Constanta Court of Appeal ordered that no attachments to the bank accounts and/or lands belonging to Westhouse Group should take place. There is on-going communication with the Central Tax Authorities, but no conclusion at the time being.

Financial Results

  • Net Result for the quarter was EUR 18,000 loss compared to a EUR 361,000 loss in 3Q 2017. Operating cash flow for the quarter was a negative EUR 284,000 compared to minus EUR 195,000 in the same period last year.
  • At the end of the quarter, the Company had a cash position of EUR 3.7 million plus a total of EUR 1,050,000 in unsettled receivables related to binding sales agreements, totalling at about EUR 4.7 million or about EUR 0.1 per share.

Macro and real estate market highlights

  • Romania has registered the fastest growth rate of its economy among the 28 European Union member states in the third quarter of this year of 1.9 percent, according to Eurostat. Compared with the third quarter of 2017, the Romanian economy grew by 4.3 percent, the fastest pace this year.
  • The third quarter of 2018 witnessed a slowdown in terms of residential price growth, however, there still was an increase of circa 5.6% compared to the same period of 2017. Equally, in Bucharest apartment prices stand about 35% below the prices they commanded in the same quarter of 2008. According to the real estate platform immobiliare.ro, asking prices in Romania registered a marginal increase during the third quarter reaching EUR 1,220 /sqm. Prices in Constanta have reached in September 2018 EUR 1,148 /sqm, a 4.8% increase since the beginning of the current year.

Key Financial Figures

EUR '000 Q3 2018 Q3 2017
Operating Revenue 559 668
Operating Expenses (238) (227)
Other operating income/ (expense), net (302) (311)
Net financial income/(cost) (23) (486)
Pre-tax result (4) (356)
Result for the period (18) (361)
Total assets 20,808 25,159
Total liabilities 402 6,818
Total equity 20,397 18,342
Equity % 98.1% 73.0%
NAV per share (EUR) 0.49 0.44
Cash position 3,685 3,401

Movement in Net Asset Value

The Net Asset Value (NAV) remained flat at EUR 20,397,000 at the end of Q3 2018 compared to EUR 20,399,000 at the end of Q2 2018.

Asset base Q3 2018 Q2 2018
EUR '000 EUR/
share
NOK/share EUR '000 EUR/ share NOK/share
Investment
property
10,507 0.25 2.50 12,725 0.31 3.03
Assets held for
sale
2,288 0.06 0.54 275 0.01 0.07
Inventories 2,690 0.07 0.64 2,690 0.07 0.64
Cash 3,685 0.09 0.88 3,099 0.07 0.74
Other
assets/(liabilities)
1,227 0.03 0.29 1,609 0.04 0.38
Net asset value 20,397 20,399
NAV/Share 0.49 4.86 0.49 4.86
Change in NAV 0.0% -0.8%

The average number shares used in the NAV calculation above is 41,367,783 shares and unchanged from Q2 2018.

Valuation of Properties

The end of year 2017 independent valuation of the Company's property was executed by Knight Frank Romania. The property portfolio was evaluated in accordance with the ANEVAR Valuation Standards 2013, which include the International Valuation Standards, issued by the IVSC in 2011. The valuation also complies with the International Financial Reporting Standards (IFRS), issued by the International Accounting Standards Board (IASB); and it is performed in accordance with the RICS Valuation Standards, 8th edition.

Cash Flow

EUR '000 Q3 2018 Q3 2017
Net cash flow from operating activities (284) (195)
Net cash flow used in investing activities 870 1,072
Net cash flows from financing activities - -
Net cash change during period 586 877

Operating cash flow for Q3 2018 was positive EUR 586,000 compared to a positive EUR 877,000 in the same quarter last year. The net positive change is mainly driven by the collections on further sales of investment properties. The net cash from investing activities includes the receipt of the monthly agreed payments related to the sale of the Hospital plot as well as some inflows from other smaller sales.

Market Facts – Macro

Despite real GDP growth peaking in 2017, Romania's economy is expected to remain one of Emerging Europe's outperformers in the years ahead, suggesting the country will make further progress on its EU convergence story. Growth will be relatively broad-based, with private consumption, exports and investment all performing well. Romania's gross domestic product (GDP), the index widely used to measure the size of national economies, jumped by 1.9 percent in the third quarter of this year compared with the second quarter, the fastest pace in a year, according to National Institute of Statistics (INS) flash estimate.

However, loose monetary and fiscal policies have contributed to the strong economic performance, and with inflationary pressures building and the trade deficit widening, with the risk of overheating.

Real Estate market facts

After more than a year of discussions on the topic, the National Bank of Romania reintroduced limits for the maximum indebtedness levels for individuals/families seeking out either consumer or mortgage loans. These debt-to-income ratios will become 40% for RON loans and 20% for hard currency starting 2019 as an exception, banks can ignore these limits for 15% of their new clients, as well as for first-home buyers, who can benefit from a maximum indebtedness level of 45% for RON loans.

Office market: About 185,000 sqm in new modern office spaces are expected to be added in Bucharest in 2018, taking the total stock to 2.4 million sqm. The developers' plans for the next couple of years are rather ambitious with around 650,000 sqm announced for 2019 and 2020. On the other hand, as infrastructure improvements are progressing slowly, the submarkets that offer good public transport infrastructure (like central areas of Bucharest) are likely to remain the most attractive. On a longer-term trend, there seems to be a shift towards regional cities.

Retail Market: The development in the retail tends to lag economic activity indicators as this is a rather reactive area of the real estate market. Considering the recent period of GDP growth, it is expected the next 2-3 years should see a strong development pipeline for retail. Colliers expects 2019 to bring around 250,000 sqm in new retail spaces compared to 2018's forecasted 189,000 sqm. The developers continue to focus mostly on regional/secondary cities, including smaller towns (with 50,000 inhabitants or less).

Industrial Market: Deliveries in 2018 are expected to reach 750,000 sqm compared to some 500,000 sqm in 2017. One large investment is expected to be finalized by eMAG.ro (the largest online retailer in Romania) which is expected to finish this year a 120,000 sqm warehouse near Bucharest. According to Colliers, the medium-term outlook remains favourable as Romania is still lagging regional peers in terms of development.

Land Market: According to Colliers, potential buyers are paying as much as 10% more than a year ago in order to buy/secure land plots. In terms of market volume, the biggest three land transactions (concluded by Globalworth, Speedwell and AFI Europe) generated over EUR 50m in turnover.

Residential Market: Residential market followed a continued positive path over the third quarter of 2018, although growth registered a slight slowdown. Prices of apartments in second tier cities have reached levels of (i) 1,520 Euro/net sqm in Cluj Napoca, up 0.9% since the previous quarter and 8.6% up from previous year, (ii) 1,290 EUR /sqm or 6% up on the previous year while (iii) in Constanta prices went 4.8% up compared to the beginning of the current year.

Operational Overview

The following operational highlights took place during the quarter:

Lake Side (No.1 on the table) –The plot is being split in small plots suitable for house building and small blocks. Please see www.westhousegroup.ro for further info. The new Planning Permission (PUZ) was approved by Ovidiu City Hall during August 2017. The Company is presently starting projecting the roads and utilities on the site in order to request the Urbanization Certificate and obtain the building authorisations for the roads and utilities. Building authorisation for roads has been obtained middle August and the rest of building

authorisations for utilities and roads has been obtained during August 2018. Works for implementing the roads and utilities has commenced in November 2018.

The estimated costs, include most utilities, for improving marketability and total value is estimated to EUR 1.5-1.6 million plus the amount of EUR 200,000 that is necessary to comply with the new regulations concerning water waste Management and electricity supply. Since the roads and utilities will be donated to the Municipality of Ovidiu, the Company is going to address two requests to the tax authority in order to issue a guidance for the VAT and profit tax on this particular occasion. The Company is already receiving specific interest in buying parts of this project.

Oasis (No. 3 on the table) –The plot will be divided in small plots suitable for house building and small blocks. The 4 villas built in 2009 are presently being connected to utilities with a view to put them up for sale and the Planning Permission (PUZ) is currently in progress. The houses are registered in the Land Book Registry. The new Planning Permission (PUZ) was approved during Q3 2018.

Industrial Park (No. 4 on the table) - The approvals for the new PUZ has been obtained. The Company has appointed architects and engineers to start projecting roads and utilities on the site in order to obtain the building authorisations for the roads and utilities. The Company has agreed a conditional sale of 1.5 hectares to a foreign investor for a total amount of EUR 630,000 to be paid in stages. The investor is presently doing the legal and technical due diligence and it is expected a binding pre-sale agreement could be signed before the end of the year.

Balada Market (No. 6 on the table) - The Company has upgraded the electrical installation and the firefighting equipment in order to comply with the requirements of the National Safety Inspectorate whose agreement and final authorisation was received during October 2018. Meantime, the sale of whole plot and building have been agreed with a Bucharest investor for a total amount of EUR 2.5m and a refundable down payment of EUR 150,000 has been received. The sale is subject to receiving a satisfactory reply from the Constanta City hall, in what concerns a possible increase of price to be paid to the municipality in case the building is conversed into a supermarket. The preliminary and conditional agreements was be formalised during September 2018 with a final deadline is expected to be agreed end of March 2019.

Badulescu plot (No. 2 on the table) - New urbanistic zone planning on this plot has been commenced by the Company in order to regulate the area as a commercial area in Ovidiu town. It is estimated that the new urbanistic plan would be finalised in Q1 2019

Extraordinary tax claim: As mentioned in the two previous 2018 reports, during the latest routine tax audit performed at the level of RomReal Romanian subsidiary Westhouse Group, covering the period 1 January 2011 – 31 December 2016, the tax authorities reassessed the loans granted by RomReal Ltd. to Westhouse Group as contribution to share capital instead of inter-Company loans. In this respect, the Company received the tax audit report ("Tax Report") and the corresponding tax assessment decision ("Tax Decision"), whereby the tax authorities imposed an extraordinary tax-bill on the Company, in excess of EUR 1.7m (including penalties), as profit tax for the period covered by the tax audit.

Westhouse Group has retained the services of E&Y Romania has and will pursue all available legal means for challenging the effects of such reassessment, in order to cancel the additional tax liabilities. On 18th July 2018 the Company managed to obtain the suspension of the Tax Authority Decision, until a binding Court decision regarding the contestation is obtained.

A commenced restructuring of the Romanian subsidiaries' portfolio is currently being put on hold until the on-going tax case is further clarified.

The Property Portfolio

The Company's land bank consists at the end of Q3 2018 of 6 plots with a total size of 278,290 sqm:

Plot name Location Size (m2)
1 Ovidiu Lakeside Constanta North/Ovidiu 59,779
2 Badulescu plot Constanta North/Ovidiu 50,000
3 Ovidiu (Oasis) Constanta North/Ovidiu 24,651
4 Centrepoint Constanta North/Ovidiu 121,672
5 Gunaydin plot Constanta North/Ovidiu 15,000
6 Balada Market Central Constanta 7,188
Total 278,290

*(1) Sale agreed, closing still to be completed

Shareholder Information

Please see below the list of the top 20 shareholders in RomReal as of 22 November 2018:

Name Holding Percentage
SIX SIS AG 25PCT ACCOUNT 10,336,054 24.99
GRØNSKAG KJETIL 4,332,717 10.47
SAGA EIENDOM AS 3,162,383 7.64
THORKILDSEN DØDSBO KAY TØNNES 3,071,656 7.43
THORKILDSEN WENCHE SYNNØVE 2,344,100 5.67
AUSTBØ EDVIN 2,108,500 5.10
Danske Bank A/S 3887 OPERATIONS SEC. 1,452,995 3.51
ENERGI INVEST A/S 1,122,941 2.71
ORAKEL AS 1,101,000 2.66
SPAR KAPITAL INVESTO 940,236 2.27
THORKILDSEN INVEST A 829,478 2.01
PERSSON ARILD 718,000 1.74
HOEN ANDERS MYSSEN 689,557 1.67
GRØNLAND STEINAR 650,131 1.57
Skandinaviska Enskil 628,832 1.52
JONAS BJERG PENSION NTS TRUSTEES LTD 558,306 1.35
SILJAN INDUSTRIER AS 481,480 1.16
MAGDAHL AKSEL 480,886 1.16
CLEARSTREAM BANKING 438,583 1.06
BNP Paribas Securiti S/A SPEARPOINT LTD 406,856 0.98
TOTAL TOP 20 35,854,691 86

(1) This is the Top 20 Shareholder list as per 22 Nov. 18

(2) The total issued number of shares issued at end Q3 2018 was 41,367,783.

(3) Thorkildsen Invest AS is a Company controlled by RomReal Kay Thorkildsen family.

(4) Chairman Kjetil Grønskag owns directly and indirectly 4,332,717 shares corresponding to 10.5%.

(5) The above list is the 20 largest shareholders according to the VPS print out; please note that shareholders might use different accounts and account names, adding to their total holding.

Outlook

RomReal is, according to the strategy, focusing on land value enhancing activities in order to improve on a case by case basis value and exit opportunities. This includes, among others, increased sales & marketing efforts, some infra-structure investments, and engaging more resources into regulation processes. The ongoing tax dispute adds uncertainty and reduces the financial flexibility. The Company is involved in several on-going conditional sales processes as well as in specific and serious interest in the projects which are still in the regulatory process and not actively marketed.

INFORMATION ON FINANCIAL CONDITION AND OPERATING RESULTS

Accounting Principles

The condensed consolidated interim financial statements for the third quarter of 2018, which have been prepared in accordance with IFRS as adopted by EU and IAS 34 Interim Financial Reporting, give a true and fair view of the Company's consolidated assets, liabilities, financial position and results of operations. The accounting policies applied in the preparation of the quarterly result are consistent with the principles applied in the financial statements for the year to 31 December 2017. The financial statements have been prepared on a going concern basis.

To information presented in the interim report for the third quarter of 2018 includes a fair review of important events that have occurred during the period and their impact on the condensed financial statements, the principal risks and uncertainties for the remaining of 2018, and major related party transactions.

Comparative data for Q3 2018 and Q3 2017

The interpretations below refer to comparable financial information for Q3 2018 and Q3 2017. They are prepared for RomReal on a consolidated basis and use consistent accounting policies and treatments.

Operating Revenue

The operating revenue during Q3 2018 was EUR 559,000 compared to a total of EUR 668,000 reported in Q3 2017. This consists mainly of the finalization of the sale of the Hospital plot in Bucharest as well as some smaller sales.

Operating Expenses

Total operating expenses amounted to a negative EUR 238,000 in Q3 2018 compared to a total EUR 227,000 in Q3 2017. Out of these, the payroll costs were EUR 42,000, while general and administration costs in connection with the running of the Group amounted to EUR 171,000.

Other operating income/ (expense), net

The other operating income/ (expense) during the quarter were a loss of EUR 302,000, reflecting mainly the derecognition from the Company's books of the sales completed during the quarter.

Profit/ (loss) from operations

During Q3 2018, RomReal generated an operating profit of EUR 19,000, compared to a profit of EUR 130,000 in Q3 2017.

Financial Income and expense

The Company no longer has interest costs in respect of third party finance providers. Foreign exchange result for Q3 2018 was a net loss of EUR 39,000 compared to a net foreign exchange loss of EUR 504,000 in Q3 2017. During the quarter the RON lost only 0.06% against the EUR.

RomReal Limited [third quarter 2018] Page 9 of 14

The Company's policy is to hedge these effects by retaining most of its cash in Euros and also by denominating all receivables in Euros. Although not reflected from an accounting perspective, practice in real estate is that transactions are denominated in EUR and payments made at the exchange rate ruling at the date of payment, hence reducing the risk of cash losses due to exchange rate movements.

Result before tax

The result before tax in Q3 2018 was a loss of EUR 4,000 compared to a loss before tax of EUR 356,000 in Q3 2017.

Cash and cash equivalents

The Company's cash and cash equivalents position at end of Q3 2018 was EUR 3,685,000 compared to EUR 3,099,000 as at end of Q2 2018. In addition, a total of EUR 1,050,000 in outstanding payments related to binding sales agreements, totalling at about EUR 4.7 million.

RomReal portfolio / Vendor financing binding agreement as at Nov 2018

Plot name Location Plot
size
(sqm)
Book
value
June
2018(Eur)
Agreed
sale
value
(EUR)
Instalments
received@
12/11/2018
To
cash
2018
To
cash
2019
To
cash
2021
Alexandriei
plot
Bucharest
sector 5
13,263 875,000 1,850,000 900,000 200,000 600,000 150,000
Total 13,263 875,000 1,850,000 900,000 200,000 600,000 150,000

Taxation

The Company is required to calculate its current income tax at a flat rate of 16%. Starting 2013, based on turnover thresholds, some companies in the Group are subject to a while some are subject to 1% tax calculated on total revenue. This is the case for 7 of the Group companies (1 pays 1% tax and 6 of them 3% tax) while 3 of them are subject to 16% on taxable profits.

The Company accounts for deferred tax on all movements in the fair values of its investment properties at a flat rate of 16%. Any change in the deferred tax liability or change in the deferred tax asset is reflected as an element of income tax in the profit and loss statement. The Company recognises deferred tax asset for the amount of carried forward unused tax losses to the extent that it is probable that future taxable profits will be available against which the unused tax losses can be utilised.

Contingent liabilities

As detailed in the operational update section above, the Company is currently the subject of a tax dispute for a total amount of EUR 1.7 million. The Company assesses the possible obligation as contingent and has therefore not booked any provision in this respect.

CONSOLIDATED INCOME STATEMENT (UNAUDITED)

Figures in thousand EUR

Q3 2018 Q3 2017 YTD 2018 YTD 2017
Rent revenue 53 63 133 159
Revenue from sale of assets 505 605 9,222 11,508
Operating revenue 559 668 9,356 11,667
Payroll expenses (42) (42) (131) (131)
Management fees (25) (25) (75) (75)
Inventory (write off)/reversal 1 25 (4) 32
General and administrative expenses (171) (185) (460) (1,056)
Operating expenses (238) (227) (670) (1,230)
-
Profit/ (loss) before other operating items 321 441 8,686 10,437
Other operating income/(expense), net (302) (311) (8,175) (11,186)
Profit from operations 19 130 511 (749)
Financial income 19 18 23 31
Financial costs (3) (0) (10) (112)
Foreign exchange, net (39) (504) (56) (612)
-
Result before tax (4) (356) 468 (1,442)
Tax expense (14) (5) (28) (6)
Result of the period (18) (361) 439 (1,448)

CONSOLIDATED BALANCE SHEET (UNAUDITED)

Figures in thousand EUR
ASSETS September 30,
2018
December 31,
2017
September 30,
2017
Non-current assets
Investment properties 10,507 13,627 13,509
Property, plant and equipment 75 90 42
Deferred tax asset 121 121 123
Total non current assets 10,704 13,838 13,674
Current assets
Inventories 2,690 2,690 2,525
Other short term receivables 1,395 325 256
Prepayments 38 43 7
Cash and cash equivalents 3,685 3,505 3,401
Total current assets 7,808 6,562 6,189
Assets held for sale 2,288 7,103 5,297
TOTAL ASSETS 20,800 27,503 25,160
EQUITY AND LIABILITIES September 30,
2018
December 31,
2017
September 30,
2017
Equity
Share capital 103 103 103
Contributed surplus 87,117 87,119 87,117
Other reserves 160 425 425
Retained earnings (69,450) (69,178) (69,180)
Result of current period 439 (272) (1,448)
FX reserve 2,015 1,734 1,325
Total equity 20,397 19,930 18,342
Non current liabilities
Deferred income tax 112 1,091 845
Total non current liabilities 112 1,091 845
Current Liabilities
Other payables 99 117 104
Deferred income 176 6,363 5,868
Tax payable 16 1 1
Total current liabilities 290 6,482 5,973
TOTAL EQUITY AND LIABILITIES 20,800 27,503 25,160

STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED)

Figures in thousand EUR

September 30,
2018
December 31,
2017
September 30,
2017
Profit for the year 439 (272) (1,448)
Other comprehensive income
Exchange differences on translation of foreign operations 281 833 424
Other comprehensive income for the year, net of tax 281 833 424
Total comprehensive income for the year, net of tax 720 561 (1,024)

CASH FLOW STATEMENT (UNAUDITED)

Figures in thousand EUR

September 30,
2018
December 31,
2017
September 30,
2017
Net cash flow from operating activities (1,550) (2,992) (2,549)
Net cash flow from investing activities 1,730 17,868 17,320
Net cash flows from financing activities - (12,077) (12,077)
Net cash change during period 180 2,798 2,694
Cash at beginning of period 3,505 707 707
Cash and cash equivalents at end of the period 3,685 3,505 3,401

STATEMENT OF CHANGES IN EQUITY (UNAUDITED)

Figures in thousand EUR

September 30,
2018
December 31,
2017
September 30,
2017
Equity at the beginning of the period 19,930 19,369 19,369
Result for the period 439 (272) (1,448)
Other changes 28 833 421
Equity at the end of the period 20,397 19,930 18,342

CONTACT INFORMATION

RomReal Limited Postal address: Burnaby Building, 16 Burnaby street, Hamilton HM11, Bermuda Telephone: Tel- +1-441-293-6268 Fax +1-441-296-3048 | www.RomReal.com

Visiting address: 54 Cuza Voda street, Constanța, Romania Tel: +40-241-551488 Fax: +40-241-551322

IR Harris Palaondas +40 731123037 | [email protected]

For further information on RomReal, including presentation material relating to this interim report and financial information, please visit www.RomReal.com.

DISCLAIMER

The information included in this Report contains certain forward-looking statements that address activities, events or developments that RomReal Limited ("the Company") expects, projects, believes or anticipates will or may occur in the future. These statements are based on various assumptions made by the Company, which are beyond its control and are subject to certain additional risks and uncertainties. The Company is subject to a large number of risk factors including but not limited to economic and market conditions in the geographic areas and markets in which RomReal is or will be operating, counterparty risk, interest rates, access to financing, fluctuations in currency exchange rates, and changes in governmental regulations. For a further description of other relevant risk factors, we refer to RomReal's Annual Report for 2016. As a result of these and other risk factors, actual events and our actual results may differ materially from those indicated in or implied by such forward-looking statements. The reservation is also made that inaccuracies or mistakes may occur in the information given above about current status of the Company or its business. Any reliance on the information above is at the risk of the reader, and RomReal disclaims any and all liability in this respect.

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