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Recticel

Annual Report Apr 23, 2015

3993_10-k_2015-04-23_226bfd0a-6308-44f9-9306-5a16effec408.pdf

Annual Report

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2014 ANNUAL REPORT

2014 Combined sales (before intra-Group eliminations)

101%

74%

Net financial debt / Total equity (consolidated)

60%

60% 70% 80% 90% 100% 110%

65%

2010 2011 2012 2013 2014 50%

57%

* 2012 figures are restated for IAS 19. 2010 and 2011 figures have not been restated

Table of contents

-
INTRODUCTION 02
Profile 03
Highlights for 2014 and the start of 2015 04
Letter from the Chairman of the Board of Directors and the Chief Executive Officer 11
Report by the Board of Directors * 14
GROUP STRATEGY AND ACTIVITIES 30
Group strategy 32
Activities 37
Insulation 38
Bedding 40
Flexible Foams 42
Automotive 44
RESEARCH AND DEVELOPMENT 46
HUMAN RESOURCES & PRODUCTION PLANTS 48
CORPORATE GOVERNANCE STATEMENT * 54
Applicable rules and reference code 55
Internal control and risk management 55
External audit 56
Composition of the Board of Directors 57
Committees set up by the Board of Directors 60
Audit Committee 60
Remuneration and Nomination Committee 60
Executive Management Committee 61
Remuneration report 62
Transactions and other contractual ties between the Company and affiliated companies
and members of the Board of Directors or members of the Management Committee
68
Insider trading and market manipulation 68
Relationships with the reference shareholders and other elements related
to possible public takeover bids
68
LEXICON 70
FINANCIAL REPORT * 72
KEY FIGURES 170

* These chapters form an essential part of the Report of the Board of Directors and contain the information required by the Belgian Company Code regarding consolidated accounts.

1 > Introduction

This document contains specific quantitative and/or qualitative futuristic statements and expectations regarding results and the financial state of affairs of the Recticel Group. Such forward-looking statements are not a guarantee for future achievements considering the future holds several risks and uncertainties that relate to future events and developments. The reader is reminded to take sufficient care with the interpretation of these future expectations because the actual results and events may be influenced in the future by one or more factors, both external and internal. As a result, the actual results and performances may possibly deviate considerably from the predicted expectations, objectives and possible statements. The most important and most relevant risk and uncertainty factors are described in more detail in the Chapter "Risk factors and risk management" of the financial section of this Annual Report. Recticel is not committed in any manner possible to updating possible changes and developments in these risk factors, nor to releasing the possible impact on the prospects, either immediately or with some delay.

www.recticel.com

Profile

Recticel seeks to make an essential difference in the daily life of everyone.

The Group is present in four selected application areas: Insulation, Bedding, Flexible Foams and Automotive. Although the Group primarily produces semi-finished products (Flexible Foams and Automotive), it also manufactures finished goods and durable goods for end users (Bedding and Insulation). Its core competence relies on the conversion of polyurethane chemistry.

Mattresses and slat bases are marketed in the Bedding division under well-known brand names (such as Beka®, Lattoflex®, Literie Bultex®, Schlaraffia®, Sembella®, Superba®, Swissflex®, …) and ingredient brands (GELTEX Inside®). The Insulation division provides finished high quality thermal insulation products that can immediately be used in building projects and renovations. These insulation products are marketed under well-known brand and product names: Eurowall®, Powerroof®, Powerdeck®, Powerwall®, Recticel Insulation®,... Technological progress and innovation have led to breakthrough at the biggest names in the Automotive industry thanks to Colofast®, ColoSense® and ColoSense® Lite.

Recticel emphasizes on innovation, technological progress and superior product quality and customer service.

As a market leader in most of its activities, Recticel currently employs on a combined basis (including its pro rata share in joint ventures) 7,578 people in 99 sites, spread over 27 countries. The Group's global presence is focused mainly in Europe, but it also has several activities in the United States and in Asia. In 2014 the Group realized combined sales of EUR 1,280.1 million (IFRS 11 consolidated sales: EUR 983.4 million).

Recticel aims to achieve added value and a steady and profitable growth for its clients and shareholders in a sustainable and balanced manner.

Recticel (EuronextTM: REC.BE – Reuters: RECTt.BR – Bloomberg: REC.BB) is listed on the EuronextTM stock exchange in Brussels.

FINANCIAL CALENDAR FOR SHAREHOLDERS

First quarter 2015 trading update Ex-coupon date Annual General Meeting Dividend payment date First half-year 2015 results Third quarter 2015 trading update 22 April 2015 (before opening of the stock exchange) 23 April 2015 26 May 2015 (at 10:00 AM CET) 02 June 2015 28 August 2015 (before opening of the stock exchange) 30 October 2015 (before opening of the stock exchange)

Highlights for 2014 and beginning 2015

Flexible Foams – Inspection EC

Recticel reaches a settlement with the European Commission in the Commission's polyurethane foam investigation, which will bring the matter to a close. Under the settlement decision, Recticel's effective total fine, including Recticel's 50% share of the fine relating to Eurofoam's conduct, amounts to EUR 26,976,500.

2014 January

Insulation at Batibouw - Belgium

Recticel Insulation introduces 3 new innovative products at Batibouw, the leading fair for the construction and renovation sector in Belgium. Recticel Insulation presented upgraded products with improved insulation values (λ−lambda), with new dimensions and with a better pressure resistance. At the same time Recticel Insulation also introduced its new external thermal insulation composite solution (ETICS) for the Belgian market. Finally, Recticel Insulation announced also the launch of a specific product line, called "Home", for the promising Do-It-Yourself market.

February

GELTEX® Inside at Beka® and Lattoflex® - Belgium

Beka® and Lattoflex®, two leading mattress brands in Belgium, launch a global TV commercial for their new innovative GELTEX® Inside mattresses for the Belgian market. With this innovative concept, the Group confirms its European leadership in the higher market segment of the bedding sector. These GELTEX® Inside mattresses are distributed via the ZNOOOZ® sleep comfort store concept. The ZNOOOZ® bed store concept, which has been developed by Recticel, has been gradually deployed in close cooperation with selected independent sleep specialist distribution partners in Belgium and the Grand Duchy of Luxembourg. The ZNOOOZ® stores will exclusively focus on the distribution of top quality sleep systems in which the patented Recticel technology GELTEX® Inside is incorporated. The ZNOOOZ® stores were introduced in October 2013. Early 2014 some 50 different ZNOOOZ® selling points were operational throughout Belgium. (www.znoooz.be)

Bedding – Switzerland

Recticel Bedding (Schweiz) AG announced its intention to rationalize its Swiss bedding activities by closing its production and logistics operations in Büron (Switzerland). These activities have in the meantime been transferred to other sites of the Group.

Bedding – Switzerland

Recticel Bedding (Schweiz) AG received the Red Dot Design Award 2014 in the category Product Design, for its novelty Swissflex® slat base uni-22_95 bridge, a revolutionary selfregulating relief and full-body support, featuring a perfect ergonomic design. The Red Dot Design Award is one of the most famous, prestigious and therefor, desired awards worldwide.

Flexible Foams – The Netherlands

Recticel BV announced its intention to streamline its converting activities by closing its foam converting factory of Wijchen (The Netherlands). In the meantime these activities have been fully integrated in the other existing operations.

Insulation - Belgium

Recticel Insulation becomes a member of the Energy Saving Pioneers coalition from Bond Beter Leefmilieu. The Energy Saving Pioneers coalition is an initiative by Bond Beter Leefmilieu (BBL), the Federation for a Better Environment, which brings together companies who are working with BBL for a more ambitious energy-saving policy in Belgium. In addition, they are also lobbying for a mandatory European energy-saving target of 40% by 2030. Recticel Insulation supports this initiative and has signed the mission statement with its ten policy recommendations.

March

http://www.energysavingpioneers.be/leden

Automotive-Interiors

Recticel is nominated for the new multi-year contract for the production of instrument panel trim parts for a new Scania truck model. This contract represents estimated cumulative life time sales of approximately EUR 7 million. The interior trim parts will be supplied from the existing plant in the Czech Republic on the basis of the patented Colo-Sense® Lite Spray technology.

Recticel is also nominated for the production of door panel skins of the new Renault Scenic. These skins will be produced in the Czech Republic on the basis of the patented Colo-Sense® Lite Spray technology. This is the first time that Recticel Automotive Interiors will work with Renault.

In addition, Recticel is nominated for the new multiyear contract for the production of instrument panel trim parts for the Volkwagen Magotan for the Chinese market. This contract represents estimated cumulative life time sales of approximately EUR 75 million. The interior trim parts will be supplied from the Changchun plant in the People's Republic of China on the basis of the patented Colo-Sense® Lite Spray technology.

Research & Development - Belgium

The International Development Center (IDC), Recticel's centralized Research & Development department, officially opens its new Innovation Room in Wetteren (Belgium). The new Innovation Room offers customers and other stakeholders a better insight in the creativity soul of the Recticel organization. Its set-up, divided over the four activity domains of the Group, provides a perfect visualization of the capabilities of the IDC's latest inventions in the world of polyurethanes and its related products.

Insulation

Mr Ralf Becker (°1960, German) becomes the new Group General Manager Insulation in replacement of Mr Paul Werbrouck who retire after a career of 31 years at Recticel. Mr Ralf Becker is also appointed as member of the Management Committee.

2014 May

Research & Development - Belgium

The International Development Center (IDC) hosted the Flanders' Drive congress on Plastics, which focused in particular on the creation of light weight solutions. During the congress interesting topics were discussed with respect to the new trends in finding an optimal balance between low material usage, hereby reducing weight, and the maximisation of their mechanical strength. At the end of the day several new spinoff ideas using polyurethanes have been defined after inspiring congress.

Automotive-Interiors

June

Recticel is nominated for the new multi-year contract for the production of interior trim parts for the new Peugeot 3008/5005 model. This contract represents estimated cumulative life time sales of approximately EUR 51 million. The interior trim parts will be supplied from the existing plants in the Czech Republic on the basis of the patented Colo-Sense® Lite Spray technology.

6 RECTICEL ANNUAL REPORT 2014

Bedding - Inspection FCO

Recticel announced that its German bedding affiliate, Recticel Schlafkomfort GmbH, has reached a settlement with the German Federal Cartel Office ("FCO") in the framework of an investigation the FCO launched into the German bedding market. This settlement brings this matter to a close for Recticel. Under the settlement decision, Recticel Schlafkomfort GmbH's fine amounts to EUR 8.2 million. This fine has been fully paid in September 2014.

Augustus

Flexible Foams – India

After the opening of a first site in Taloja, Navi (Mumbai) in November 2011, Recticel expands its presence in India with the inauguration of a second Flexible Foams converting plant in Neelamangala, at 30 kilometers from Bangalore (India). With this new 3,500 m² site, Recticel wants to further increase its position in one of the fastest growing economies. Both Indian converting plants are focusing on the transformation of reticulated foam blocks for air filters, which are used as highend air filter foams in the rapidly growing regional motorcycle and automotive sector.

Management

Recticel appoints Mr Bart Massant (°1963, Belgian) as Group Human Resources & Communications Manager. Mr Bart Massant becomes a member of the Management Committee.

September

Insulation – Belgium

Recticel Insulation extends its thermal insulation product range for the do-it-yourself market, by introducing new, easy-to-install DIY products, all having a core in PIR foam that offers a perfect thermal shield. Depending on the final application, the DIY product range includes: Combodeco® Home, a decorative insulation system; Comboprime® Home, a ready to finish in one go insulation solution; Combobase® Home, an insulation and floor slab in one panel; and Fitforall® Home, the universal PIR insulation panel.

http://www.recticelinsulationhome.be/

2014

Insulation – United Kingdom

Recticel Insulation (UK) officially opens its new 56,000 square feet warehouse extension, engineering and office facilities, which is a part of a broader capacity improvement project on its site in Stoke-on-Trent (United Kingdom). With this new investment Recticel Insulation UK is now in a position to meet the increasing demand from the growing construction market. As a direct result of this project Recticel Insulation (UK) has created 21 permanent jobs.

October

Automotive – Interiors

Recticel Automobilsysteme GmbH, a fully owned subsidiary of the Recticel Group, announced its intention to close down the remainder of its production operations (25 jobs) in Rheinbreitbach (Germany). This final restructuring step in Rheinbreitbach relates to the announcement made on 07 December 2011, saying that the Automotive Interiors division had not been nominated for the production of interior components for the new Mercedes C-class, hence the need for the initial restructuring.

Automotive – Interiors

Recticel Automotive is present at IZB, the International Suppliers Fair in Wolfsburg (Germany). Apart from the lightweight skins and the third generation sprayed skins, Recticel Automotive showed its novelty innovation; the metallic effect - a modern spray process based on two-tone, whereby the second color is enriched with a metallic effect and an individual grain structure, hereby superseding conventional trim ledges.

Dr. Martin Winterkorn CEO Volkswagen AG, inspecting the instrument panel of the new VW Passat

Flexible Foams - Soundcoat

Recticel's Soundcoat Company, part of the Flexible Foams Division, signed a three-year agreement with SpaceX Inc., the Californianbased space transport services company. Soundcoat and SpaceX have agreed on supply of high-performing thermo-acoustic insulation for the next 17 space launches, which are scheduled for completion by mid-2016. This multimillion US\$ contract has further upward potential if SpaceX meets or surpasses its launch targets.

2015 January

Research & Development - Innovation

December

Recticel is nominated for the essenscia Innovation Award 2014. essenscia vzw/asbl, is the Belgian Federation for Chemistry and Life Sciences industries, a multisectoral umbrella organisation that represents the numerous sectors of activities in the field of chemicals and the life sciences. Through this initiative, the federation intends to encourage Belgian companies to innovate even more and to protect their intellectual assets.

Automotive – Interiors

Recticel announces that it has won a new multiyear contract for the production of interior trim parts for the new BMW X3 model. This contract represents estimated cumulative life time sales of approximately EUR 84 million. The interior trim parts will be supplied from the existing plants in China and the USA on the basis of the patented Colo-Sense® Lite Spray technology.

Recticel is also nominated for the new multi-year contract for the production of instrument panel trim parts for the Volkwagen Tiguan. This contract represents estimated cumulative life time sales of approximately EUR 20 million. The interior trim parts will be supplied from the existing plants in the Czech Republic on the basis of the patented Colo-Sense® Lite Spray technology.

Flexible Foams & Automotive – Management

Recticel appoints Mr Marc Clockaerts (°1950, Belgian) as Group General Manager Flexible Foams in replacement of Mr Rik De Vos, who left the company. At the same time, Recticel appoints Mr Jan Meuleman (°1965, Belgian) as Group General Manager Automotive in replacement of Marc Clockaerts. Mr Jan Meuleman becomes a member of the Management Committee.

Jan Meuleman

Marc Clockaerts

Insulation – Divestment

Recticel announces that it has sold its 50% participation in the joint venture company Kingspan Tarec Industrial Insulation (KTII) to its joint venture partner Kingspan Group plc, who consequently will own 100% of the shares of KTII, who has a production site in Turnhout (Belgium) and in Glossop (United Kingdom).

Automotive – Proseat

In response to the changing European car manufacturing landscape, Proseat, the 51/49 joint venture between Recticel and Woodbridge, announces its intention to close its plant in Rüsselsheim (Germany). All 77 employees at the site have been put under risk of redundancy.

Corporate – Financing

Recticel announces it will increase its share capital by EUR 75 million, through the issuance of new shares. The proceeds of the capital increase will be used to support Recticel's growth strategy and to strengthen its balance sheet. The newly issued shares will be listed on Euronext Brussels in the course of May 2015.

March

At the occasion of Batibouw, the leading fair for the construction and renovation sector in Belgium, Recticel Insulation introduces L-MentsTM, a new innovative roof thermal insulation solution which meets very high insulation standards for tomorrow's nearly zero-energy buildings. Recticel Insulation presents fully integrated and self-supporting roof thermal insulation structures for pitched roofs. These L-MentsTM building elements have the characteristic that they offer a truly time and cost-efficient solution for the instalment of pitched roofs. L-MentsTM can be used for new builds as well as for renovation projects.

Automotive – Proseat

Proseat starts production at its new plant in Schwarzheide (Germany), a green field project which was launched at the end of 2013 in the industrial park of BASF Schwarzheide (Germany). The new plant will focus on the serial production of EPP parts for the automotive sector. This new production facility will focus on the newest EPP process technology which offers a solution that fits the trend of reduced CO2 emissions by offering low weight products with favorable shock absorption capabilities. In addition, this plant will have the advantage of supply of raw materials from the production unit of BASF on site via pipeline, which significantly reduces the logistic costs.

Letter from the Chairman and the CEO

Mr. Etienne Davignon Chairman of the Board of Directors

Chief Executive Officer

Dear Employee, Dear Shareholder,

Dear Reader,

2014 has been an important year for Recticel.

In a still very volatile business environment due to economic, financial and geopolitical uncertainties, the business, entirely geared towards slow moving consumer goods and investment goods, most of it in Europe, has grown again in 2014 by +1.7% after having shrunk in 2012 and 2013.

On January 29th and August 20th respectively, the Group has announced the settlements in the context of the EU Commission cartel investigation in the European Flexible Foams market and of the BundesKartelAmt cartel investigation in the German Bedding market, bringing these two historical liabilities to an end. Moreover, significant progresses have been accomplished in the simplification and rationalisation of the Group.

As a consequence, the Board of Directors has decided that it is now appropriate to launch a €75 million capital increase in order to further the execution of the Group strategic plan, to continue to grow in Insulation, and to reinforce the growth momentum initiated, among others, by recently introduced innovations such as Geltex® Inside in Bedding. Mr. Olivier Chapelle

Brussels, April 22nd 2015

After a strong first quarter 2014, supported by very favourable weather conditions, leading to sales turnover growth of +4.9% y-o-y, the economic environment has deteriorated in the second quarter (-0.9% y-o-y), before returning to growth in the third quarter (+0.5% y-o-y) and fourth quarter (+2.3% y-o-y). As a consequence, sales have increased by 1.7% in 2014. The Automotive market, which had shrunk in Europe for 6 consecutive years, has bounced back in 2014 by about 6%, with positive impacts on Automotive Interiors, on Proseat and on the technical foam segment of the Flexible Foams division. The Bedding division has maintained its volumes and sales, in negative European Bedding markets. And the Insulation division has grown by 3% despite very sluggish construction markets, especially in France and Belgium. Raw material prices, which were relatively cheap in the first half of the year, have sharply increased in the second half on the back of supply chain issues regarding the polyols, putting profitability under pressure.

During 2014, the execution of our strategic plan has remained our guideline: prioritisation of resource allocation to the highest value creation segments and projects, expansion outside of Europe, rationalization of the company structure and industrial footprint, and innovation.

Our level of investment has been adapted to the economic environment, and prioritised according to our segment strategy. The capacity increase in our Stoke-on-Trent insulation facility (UK) is taking place, and will be ready to start up in May 2015. A new EPP (Expanded Poly Propylene) production facility has been decided and set up by Proseat, co-located in the Schwarzheide site (Germany) of our supplier BASF, in order to provide light weight solutions to its automotive seating clients. Production has started in February 2015.

Expansion outside of Europe has happened in Bangalore (India) where Flexible Foam has started up a second converting after having opened Taloja in 2012. A new Automotive Interior facility is planned to be started up in the second quarter of 2015 in Changchun, China, to supply VW and Volvo.

Rationalization efforts have continued in 2014 to adapt our industrial footprint and workforce to the market needs. In this respect, we have closed our Flexible Foam facility in Wijchen (NL) and discontinued our Bedding production operations in Büron (CH). We have also implemented 75% of the restructuring in our Automotive Interiors plant of Rheinbreitbach (Germany), the full closure of which has been announced in October 2014, to happen by the end 2015. In parallel, Proseat has announced the closure of its Rüsselsheim operations (Germany), to take place by June 2015.

To further simplify the company, and increase the focus on its building insulation activities, Recticel has announced on 18 February 2015 that it has sold its 50% participation in the joint venture company Kingspan Tarec Industrial Insulation (KTII) to its joint venture partner Kingspan Group plc.

Key inroads have been accomplished in Innovation, where we have measured the impact of the most recently introduced innovations, and pressed on with further programs. Sales of Geltex®, the new foam introduced in 2013 in all our Bedding markets, have grown by 55% to reach €47m in 2014. ColoSense® Lite, high quality/light weight skins have been recognised by multiple premium OEM's contracts to equip Porsche, BMW, Mercedes, Volvo, VW. In 2014, new programs have secured with Renault, VW and Peugeot. The order book represents now more than €600m sales over 7 years. In Flexible Foams, deliveries of our Soundcoat® fuselage acoustic solution to Boeing are progressing well, and a new USD 1.5m annual sales contract with SpaceX has been secured.

On 29 January 2014, the EU Commission has announced a settlement of €27m with Recticel in the context of the investigation in the Flexible Foams markets for alleged cartel activities. Two of the three fine instalments have already been paid to date. On 20 August 2014, the BundesKartellAmt has announced a settlement of €8.2m in the context of the investigation in the German Bedding markets for alleged cartel activities. The fine has been paid in full in October 2014. Having put these two liabilities behind, now fully booked in the accounts, Recticel can now look forward and plan its next development steps with more serenity now that these cases, and their uncertainties, are behind.

To that extent, the Board of Directors has decided to launch a €75m capital increase by means of a public rights' issue on 23 April 2015. This will allow the company to pursue its growth strategy, to finalize its streamlining efforts and to rebalance its financing structure.

After a few months into 2015, a more supportive market environment and positive developments in all divisions can be observed. Although visibility remains weak due to many existing or new geopolitical developments in the world, industrial markets are progressively improving in Europe along with consumer confidence, on the back of a cheaper oil price and more competitive Euro valuation. In that context, Recticel expects its activity to positively develop in 2015, and the Management Committee and the Board of Directors are confident that the Group will be able to leverage the upcoming market opportunities.

Etienne Davignon has served as Director of the Company since 1992 and became Chairman of the Board 12 years ago. Being convinced that Recticel's future development is in very good hands, thanks to its highly competent and motivated management team under the recognised leadership of its CEO, and benefiting from the support of its dedicated Board, Etienne Davignon has estimated that this was the proper time to step down. He and the Board were delighted that Mr Johnny Thijs accepted to take over the Chairmanship and put his respected personality and expertise at the disposal of Recticel.

We want to thank our employees for their contributions in 2014, and our shareholders for their trust and continued support.

Olivier Chapelle Etienne Davignon Chief Executive Officer Chairman of the Board of Directors

Report by the Board of Directors

Recticel – Annual results 2014

1. Key figures

1.1. CONSOLIDATED DATA

  • Sales: from EUR 976.8 million to EUR 983.4 million (+0.7%)
  • EBITDA: from EUR 13.6 million to EUR 36.8 million , including EUR 8.2 million German Federal Cartel Office fine (cfr press release dd. 22 August 2014)
  • EBIT: from EUR -20.9 million to EUR 8.8 million
  • Result of the period (share of the Group): from EUR -36.1 million to EUR -9.7 million
  • Net financial debt1 : EUR 168.3 million (31 December 2013: EUR 138.2 million), including 1st tranche EC fine payment (EUR 6.5 million) and full payment of fine German Federal Cartel Office (EUR 8.2 million)
  • Proposal to pay a gross dividend of EUR 0.20 per share
in million EUR
FY2013 2
(a)
FY 2014
(B)
Δ 2014/2013
(b)/(a)-1
Sales 976.8 983.4 0.7%
Gross profit 166.9 172.2 3.2%
as % of sales 17.1% 17.5%
EBITDA 13.6 36.8 169.8%
as % of sales 1.4% 3.7%
EBIT (20.9) 8.8 n.a.
as % of sales -2.1% 0.9%
Result of the period (share of the Group) (36.1) (9.7) n.a.
Result of the period (share of the Group) - base (per share, in EUR) (1.27) (0.34) n.a.
Gross dividend per share (in EUR) 0.20 0.20 0.0%
Total Equity 186.8 166.2 -11.0%
Net financial debt 1 138.2 168.3 21.8%
Gearing ratio 74.0% 101.3%

3 Excluding the drawn amounts under non-recourse factoring/forfeiting programs: EUR 55.1 million per 31 December 2014 and EUR 53.4 million per 31 December 2013.

All comparisons are made with the comparable period of 2013, unless mentioned otherwise. The figures mentioned are audited

For the definition of other used terminology, see lexicon.

1.2. COMBINED DATA

  • Sales: from EUR 1,258.6 million to EUR 1,280.1 million (+1.7%)
  • REBITDA: from EUR 72.8 million to EUR 65.9 (-9.5%)
  • EBITDA: from EUR 27.7 million to EUR 49.3 million
  • EBIT: from EUR -15.3 million to EUR 13.4 million
  • Non-recurring elements: EUR -17.3 million, including EUR 8.2 million German Federal Cartel Office fine (cfr press release dd. 22 August 2014) (2013: EUR -48.6 million)
  • Net financial debt1 : EUR 194.5 million (31 December 2013: EUR 165.1 million), including 1st tranche EC fine payment (EUR 13.9 million) and full payment of fine German Federal Cartel Office (EUR 8.2 million)
in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Sales 632.6 626.0 1 258.6 645.2 634.9 1 280.1 2.0% 1.4% 1.7%
Gross profit 95.1 103.7 198.7 108.3 105.7 214.0 13.9% 2.0% 7.7%
as % of sales 15.0% 16.6% 15.8% 16.8% 16.6% 16.7%
REBITDA 33.3 39.5 72.8 38.8 27.1 65.9 16.6% -31.5% -9.5%
as % of sales 5.3% 6.3% 5.8% 6.0% 4.3% 5.2%
EBITDA 20.2 7.5 27.7 26.2 23.1 49.3 29.5% 208.0% 77.9%
as % of sales 3.2% 1.2% 2.2% 4.1% 3.6% 3.9%
REBIT 13.4 19.8 33.2 20.8 9.9 30.7 54.7% -50.0% -7.7%
as % of sales 2.1% 3.2% 2.6% 3.2% 1.6% 2.4%
EBIT (0.8) (14.5) (15.3) 8.1 5.3 13.4 - - -
as % of sales -0.1% -2.3% -1.2% 1.2% 0.8% 1.0%
Total Equity 217.3 186.8 186.8 174.1 166.2 166.2 -19.9% -11.0% -11.0%
Net financial debt 1 156.1 165.1 165.1 191.8 194.5 194.5 22.9% 17.8% 17.8%
Gearing ratio 71.8% 88.4% 88.4% 110.2% 117.1% 117.1%

Excluding the drawn amounts under non-recourse factoring/forfeiting programs: EUR 62.7 million per 31 December 2014 and EUR 59.7 million per 31 December 2013.

2. Comments on the Group results

Detailed comments on the sales and results of the different segments (IFRS 8) are given in chapter 7 on the basis of the combined figures (joint ventures integrated following the proportionate consolidation method).

Consolidated Sales: from EUR 976.8 million to EUR 983.4 million (+0.7%)

Combined Sales: from EUR 1,258.6 million to EUR 1,280.1 million (+1.7%)

There were no material impacts neither from exchange rate differences, nor from changes in the scope of consolidation.

in million EUR
1Q2014 2Q2014 3Q2014 4Q2014
Flexible Foams 156.1 144.0 144.1 148.8
Bedding 76.0 59.4 67.5 78.8
Insulation 55.5 55.3 59.9 56.4
Automotive 68.7 71.9 59.9 63.6
Eliminations (22.9) (18.7) (21.9) (22.1)
TOTAL COMBINED SALES 333.4 311.8 309.5 325.4
Elimination joint ventures contribution
(IFRS 11)
(77.5) (73.7) (70.3) (75.2)
TOTAL CONSOLIDATED SALES 255.9 238.1 239.2 250.2

Breakdown of the combined sales by segment

in million EUR
2H/2013 2H/2014 Δ 2H FY2013 FY2014 Δ FY
286.1 292.9 2.4% Flexible Foams 583.4 593.0 1.6%
143.0 146.2 2.3% Bedding 283.0 281.6 -0.5%
110.5 116.3 5.2% Insulation 220.0 227.0 3.2%
128.7 123.5 -4.1% Automotive 258.4 264.0 2.2%
(42.4) (44.0) 3.8% Eliminations (86.2) (85.6) -0.8%
626.0 634.9 1.4% TOTAL COMBINED SALES 1 258.6 1 280.1 1.7%
3Q/2013 3Q/2014 Δ 3Q 4Q/2013 4Q/2014 Δ 4Q
139.6 144.1 3.3% Flexible Foams 146.6 148.8 1.5%
67.1 67.5 0.5% Bedding 75.8 78.8 3.9%
57.6 59.9 3.9% Insulation 52.8 56.4 6.7%
64.0 59.9 -6.5% Automotive 64.7 63.6 -1.7%
(20.5) (21.9) 6.7% Eliminations (21.9) (22.1) 1.2%
307.9 309.5 0.5% TOTAL COMBINED SALES 318.1 325.4 2.3%

Combined sales increased from EUR 318.1 million in 4Q2013 to EUR 325.4 million in 4Q2014 (+2.3%).

After a strong 1Q2014 (+4.9%), and much softer 2Q2014 (-0.9%) and 3Q2014 (+0.5%), sales grew by 2.3% in 4Q2014 supported by strong Bedding and Insulation sales in December.

The Insulation segment grew by 6.7% in 4Q2014, resulting in annual sales increase of 3.2%.

The Bedding segment grew by 3.9% in 4Q2014, generating stable annual sales in overall weak Bedding markets.

The Flexible Foams segment grew by 1.5% in 4Q2014 despite weak furniture markets, and ended 2014 with a 1.6% annual growth.

As expected, the Automotive segment recorded lower sales in 4Q2014 (-1.7%), as a consequence of planned phase-out of some programs in Interiors. On an annual basis total Automotive segment sales increased by +2.2%.

Combined REBITDA: from EUR 72.8 million to EUR 65.9 million (-9.5%)

Recurrent profitability in 2H2014 was severely impacted by significant temporary increases of raw material prices (polyols) during 4Q2014, due to the shortage of propylene oxide (an intermediate in polyol production) in Europe, following two major incidents at suppliers' plants. In addition, several operational issues in the Flexible Foams factories have weighed on the 4Q2014 result.

In this respect it is to be noted that the tension on polyol supply is now easing and that polyol prices are normalizing, with the progressive resolution of the issues which took place at a supplier of propylene oxide. Likewise, the operational issues at the origin of the Flexible Foams weak performance in 4Q2014 have been actively worked upon, and are progressively being resolved.

Breakdown of the combined REBITDA by segment

in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Flexible Foams 15.0 15.3 30.3 17.3 10.4 27.7 15.2% -32.1% -8.7%
Bedding 4.7 8.1 12.8 3.5 10.0 13.5 -26.2% 23.7% 5.4%
Insulation 12.7 15.0 27.7 13.3 13.8 27.1 4.8% -8.0% -2.2%
Automotive 8.5 10.3 18.8 12.8 2.1 14.9 50.6% -79.4% -20.8%
Corporate (7.5) (9.2) (16.8) (8.0) (9.3) (17.2) 5.5% 0.6% 2.8%
Total combined REBITDA 33.3 39.5 72.8 38.8 27.1 65.9 16.6% -31.5% -9.5%

Flexible Foams has improved the product/market-mix throughout the year, in particular with higher valueadded sales in the sub-segment Technical Foams. However, results in 2H2014 have been severely affected by the sudden surge in polyol prices during 4Q2014 and several operational issues which took place during 4Q2014.

Bedding results improved in a weak market environment throughout the year. The very innovative GELTEX® inside product line has grown by 55% versus 2013, and its positive impact on profitability more than compensated the significant additional advertising efforts.

In Insulation, volume growth has compensated to a large extent the price erosion that took place in Belgium and France, due to higher competition in weak construction markets.

The result of the Automotive segment decreased as expected, due to the lower volumes in Interiors (model phase-outs), new program start-up costs and the surge in raw material costs in 2H2014 impacting Proseat.

Combined REBIT: from EUR 33.2 million to EUR 30.7 million (-7.7%)

Breakdown of the combined REBIT by segment

in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Flexible Foams 8.9 9.2 18.0 11.6 4.8 16.5 31.6% -47.5% -8.6%
Bedding 1.6 4.7 6.3 0.1 7.0 7.2 -91.7% 49.9% 13.5%
Insulation 9.9 12.1 22.0 10.3 10.8 21.1 4.6% -11.2% -4.1%
Automotive 1.2 3.6 4.8 7.2 (3.1) 4.2 518.3% -185.6% -12.1%
Corporate (8.1) (9.8) (17.8) (8.6) (9.6) (18.2) 6.0% -1.1% 2.1%
Total combined REBIT 13.4 19.8 33.2 20.8 9.9 30.7 54.7% -50.1% -7.7%

Non-recurring elements: (on combined basis, including pro rata share in joint ventures)

EBIT includes non-recurring elements for a total net amount of EUR -17.3 million (compared to EUR –48.6 million in 2013).

in million EUR
2013 1H2014 2H2014 2014
Provision for settlement German Federal Cartel Office
investigation
0.0 (8.2) 0.0 (8.2)
Fine European Commission (27.0) 0.0 0.0 0.0
Restructuring charges and provisions (14.7) (4.2) (3.4) (7.6)
Loss on liquidation or disposal of financial assets (0.4) 0.0 0.0 0.0
Gain on liquidation or disposal of investment property 1.6 0.0 0.0 0.0
Fair value gain on investment property (0.8) 0.0 0.0 0.0
Other (i.e. Legal and advisory fees, ) (3.9) (0.2) (0.6) (0.8)
Total impact on EBITDA (45.1) (12.6) (4.0) (16.6)
Impairments (3.5) (0.1) (0.6) (0.7)
Total impact on EBIT (48.6) (12.7) (4.6) (17.3)

The main non-recurring charge was the fine resulting from the settlement with the German Federal Cartel Office investigation (EUR -8.2 million) in the Bedding segment (cfr press release dd 22 August 2014).

Furthermore various restructuring measures were implemented in execution of the Group's rationalisation plan:

  • The Flexible Foams operations were further streamlined and the Wijchen plant in The Netherlands has been closed (cfr press release dd 07 May 2014) (total restructuring charges: EUR 2.3 million).
  • In the Bedding segment additional restructuring charges (EUR 2.4 million) have been incurred with respect to the closing of the Büron plant (cfr press release dd 07 May 2014).
  • In Automotive a EUR 2.0 million provision has been recognized to cover the final closing costs of the Rheinbreitbach (Germany) plant.

Impairment charges (EUR -0.7 million) (2013: EUR -3.5 million) relate mainly to value adjustments for industrial buildings.

Consolidated EBITDA: from EUR 13.6 million to EUR 36.8 million

Combined EBITDA: from EUR 27.7 million to EUR 49.3 million

Breakdown of EBITDA by segment

in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Flexible Foams 12.6 (14.9) (2.3) 16.2 8.9 25.1 28.3% nr nr
Bedding 3.6 6.8 10.4 (6.6) 9.6 2.9 -284.9% 41.2% -71.6%
Insulation 12.6 15.0 27.6 13.3 13.8 27.1 5.4% -8.0% -1.9%
Automotive 0.5 9.9 10.4 12.4 0.1 12.5 nr -98.8% 19.9%
Corporate (9.0) (9.3) (18.3) (9.0) (9.3) (18.2) -0.9% -0.2% -0.5%
Total combined EBITDA 20.2 7.5 27.7 26.2 23.1 49.3 29.5% 208.1% 77.9%
Elimination contribution joint
ventures (IFRS 11)
(5.8) (8.3) (14.1) (6.0) (6.6) (12.6) 3.2% -20.9% -10.9%
Total consolidated EBITDA 14.4 (0.8) 13.6 20.2 16.6 36.8 40.1% nr 169.8%

Consolidated EBIT: from EUR -20.9 million to EUR 8.8 million

Combined EBIT: from EUR -15.3 million to EUR 13.4 million

Breakdown of EBIT by segment

in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Flexible Foams 6.4 (22.8) (16.4) 10.5 2.7 13.2 62.9% nr nr
Bedding 0.5 3.3 3.8 (10.0) 6.6 (3.5) nr 96.0% nr
Insulation 9.8 12.1 21.9 10.3 10.8 21.1 5.4% nr -3.8%
Automotive (8.0) 2.6 (5.3) 6.9 (5.1) 1.8 nr nr nr
Corporate (9.6) (9.8) (19.4) (9.6) (9.6) (19.2) 0.0% nr -1.0%
Total combined EBIT (0.8) (14.5) (15.3) 8.1 5.3 13.4 nr nr nr
Elimination contribution joint
ventures (IFRS 11)
(1.7) (3.8) (5.5) (2.2) (2.5) (4.6) 23.6% -35.4% -16.8%
Total consolidated EBIT (2.6) (18.3) (20.9) 5.9 2.9 8.8 nr nr nr

Consolidated financial result: from EUR -11.3 million to EUR -12.8 million

Net interest charges increased from EUR -9.4 million to EUR -10.0 million as a consequence of slightly increased credit margins and higher average net interest-bearing debt, including the usage of 'off-balance' factoring/ forfeiting programs.

'Other net financial income and expenses' (EUR -2.8 million, compared to EUR -1.9 million in 2013) comprise mainly interest capitalisation costs under provisions for pension liabilities (EUR –1.5 million versus EUR -1.6 million in 2013), exchange rate differences (EUR -0.4 million versus EUR -0.4 million in 2013) and EUR -0.8 million costs relating to the deferred payment terms for the EC fine.

Consolidated income taxes and deferred taxes: from EUR -3.9 million to EUR -5.7 million

  • Current income tax charge: EUR -2.7 million (2013: EUR -2.9 million);

  • Deferred tax charge: EUR -3.0 million (2013: EUR -1.0 million).

Consolidated result of the period (share of the Group): from EUR -36.1 million to EUR -9.7 million

3. Financial situation

On 31 December 2014, the Group net consolidated financial debt amounted to EUR 168.3 million, excluding the amounts drawn under off-balance non-recourse factoring/forfeiting programs of EUR 55.1 million, compared to EUR 138.2 million and EUR 53.4 million on 31 December 2013. The first tranche payment of the EC fine (EUR 6.5 million) and the payment of the fine to the German Federal Cartel Office (EUR 8.2 million) contributed substantially to the increase in net financial debt.

On a combined basis, net financial debt amounted to EUR 194.5 million on 31 December 2014 excluding the amounts drawn under the off-balance non-recourse factoring/forfeiting programs of EUR 62.7 million, compared to EUR 165.1 million and EUR 59.7 million on 31 December 2013. The first tranche payment of the EC fine amounted to EUR 13.9 million, including the Group's share in the fine due by the Eurofoam joint-venture, and the payment of the fine to the German Federal Cartel Office (EUR 8.2 million) contributed substantially to the increase in net financial debt.

Total equity on 31 December 2014 amounts to EUR 166.2 million compared to EUR 186.8 million on 31 December 2013.

Hence, on a consolidated basis 'net debt to equity' ratio increased to 101.3% (2013: 74.0%).

On a combined basis, 'net debt to equity' ratio is 117.1%, compared to 88.4% at the end of 2013.

The Group confirms that all conditions under the financial arrangements with its banks are respected on 31 December 2014.

4. Inspection by Directorate for Competition of the European Commission and inspection by the German Federal Cartel Office ("Bundeskartellamt")

• Inspection by Directorate General for Competition of the European Commission

On 29 January 2014, Recticel announced that it reached a settlement of EUR 27 million with the European Commission in the context of the investigation in the Flexible Foams markets for alleged cartel activities.

In April 2014, Recticel has obtained confirmation by the European Commission's Directorate General for Budget allowing it to pay its fine (excluding the fine to be paid by the joint venture Eurofoam) in three annual installments on 30 April 2014, 2015 and 2016. On 30 April 2014, the Group has paid EUR 13.9 million (including its portion in the Eurofoam fine). The balance of the EC fine will be paid on 30 April 2015 (EUR 6.5 million) and on 30 April 2016 (EUR 6.9 million).

• Inspection by the German Federal Cartel Office ("Bundeskartellamt")

On 22 August 2014, Recticel announced that its German bedding affiliate, Recticel Schlafkomfort GmbH, has reached a settlement with the German Federal Cartel Office ("FCO") in the framework of an investigation the FCO launched into the German bedding market. This settlement brings this matter to a close for Recticel.

Under the settlement decision, Recticel Schlafkomfort GmbH's fine amounted to EUR 8.2 million, which has been fully paid in September 2014.

5. Proposed dividend

The Board of Directors will propose to the Annual General Meeting of 26 May 2015 the payment of a gross dividend of EUR 0.20 per share (2014: EUR 0.20).

6. Outlook

The multiple measures that the Group has undertaken over the last years are producing the expected effects in an economic environment which has been and remains both unsupportive and uncertain in Europe. The Board of Directors will provide guidance for 2015 at the occasion of the General Shareholders Meeting.

The Group maintains its focus on the execution of the strategy, which includes (i) a strict prioritization of the allocation of its resources to its portfolio of business, (ii) a continuous effort to streamline operations and reduce complexity, (iii) geographical diversification to reduce dependency on Europe and (iv) the introduction of new innovative solutions.

7. Market segments

The Group has adopted IFRS 8 since 1 January 2009. IFRS 8 requires operating segments to be identified on the basis of the internal reporting structure of the Group that allows a regular performance review by the chief operating decision maker and an adequate allocation of resources to each segment. Therefore, the Group will continue to comment on the development of the different segments on the basis of the combined figures, consistent with the managerial reporting and in line with IFRS 8.

7.1. FLEXIBLE FOAMS

in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Sales 297.3 286.1 583.4 300.1 292.9 593.0 0.9% 2.4% 1.6%
REBITDA 15.0 15.3 30.3 17.3 10.4 27.7 15.2% -32.1% -8.7%
as % of sales 5.0% 5.4% 5.2% 5.8% 3.6% 4.7%
EBITDA 12.6 (14.9) (2.3) 16.2 8.9 25.1 28.3% - -
as % of sales 4.2% -5.2% -0.4% 5.4% 3.0% 4.2%
REBIT 8.9 9.2 18.0 11.6 4.8 16.5 31.6% -47.5% -8.6%
as % of sales 3.0% 3.2% 3.1% 3.9% 1.6% 2.8%
EBIT 6.4 (22.8) (16.4) 10.5 2.7 13.2 62.9% - -
as % of sales 2.2% -8.0% -2.8% 3.5% 0.9% 2.2%

Sales

Combined external sales increased in 4Q2014 from EUR 130.2 million to EUR 132.0 million (+1.4%). Total combined sales, including intersegment sales (4Q2014: EUR 16.7 million; +2.3%), increased from EUR 146.6 million to EUR 148.8 million in 4Q2014 (+1.5%).

For the full year 2014, combined external sales grew by +1.65% from EUR 520.2 million to EUR 528.7 million. Total combined sales, which include intersegment sales of EUR 64.3 million (+1.6%), increased by +1.6% from EUR 583.4 million to EUR 593.0 million. Sales decreased slightly in the sub-segment Comfort (EUR 367.3 million; -1.4%); while growing in Eastern Europe and the UK. In the sub-segment Technical foams sales grew by a strong +6.9% to EUR 225.6 million, particularly driven by high demand from the automotive clients.

In April 2014, Recticel BV (The Netherlands) announced its intention to streamline its converting activities by closing its foam converting factory of Wijchen (cfr press release dd 07 May 2014). This closure has been fully executed by the end of 2014.

EBITDA

EBITDA improved from EUR -2.3 million to EUR 25.1 million. In 2013 EBITDA had been heavily impacted by non-recurring elements of EUR -32.6 million, including the European Commission fine.

EBITDA includes EUR -2.6 million of non-recurring elements: i.e. (i) restructuring costs for EUR –2.3 million (2013: EUR -3.6 million), including the closure costs of the plant in Wijchen (The Netherlands) and additional streamlining measures, and (ii) other non-recurring elements (EUR -0.5 million).

In 4Q2014, despite falling oil prices, polyol prices have significantly increased due to the shortage of propylene oxide (an intermediate in polyol production) in Europe, following two major incidents at suppliers' plants. In addition, operational issues of a temporary nature in several factories have weighed on the fourth quarter result.

7.2. BEDDING

in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Sales 140.0 143.0 283.0 135.4 146.2 281.6 -3.3% 2.3% -0.5%
REBITDA 4.7 8.1 12.8 3.5 10.0 13.5 -26.2% 23.7% 5.4%
as % of sales 3.4% 5.7% 4.5% 2.6% 6.9% 4.8%
EBITDA 3.6 6.8 10.4 (6.6) 9.6 2.9 nr 41.2% -71.6%
as % of sales 2.6% 4.7% 3.7% -4.9% 6.5% 1.0%
REBIT 1.6 4.7 6.3 0.1 7.0 7.2 -91.7% 49.9% 13.5%
as % of sales 1.2% 3.3% 2.2% 0.1% 4.8% 2.5%
EBIT 0.5 3.3 3.8 (10.0) 6.6 (3.5) nr 96.0% nr
as % of sales 0.4% 2.3% 1.4% -7.4% 4.5% -1.2%

Sales

Combined external sales increased in 4Q2014 from EUR 70.5 million to EUR 73.5 million (+4.3%). Total combined sales, including intersegment sales (4Q2014: EUR 5.2 million; -1.9%), increased from EUR 75.8 million to EUR 78.8 million in 4Q2014 (+3.9%).

The sub-segment Brand sales increased by +14.4% in 4Q2014. The product-mix further improved as the GELTEX® inside products continued to grow (+38% versus 4Q2013), supported by advertising campaigns and promotion activities at retail stores.

Sales in the sub-segment Non-Branded/Private Label decreased by -6.6% in 4Q2014 in a weak and very competitive market.

For the full year 2014, combined external sales slightly increased from EUR 260.6 million to EUR 261.0 million (+0.2%). Total combined sales, including intersegment sales (2014: EUR 20.7 million; -7.7%), decreased from EUR 283.0 million to EUR 281.6 million (-0.5%).

Sales in the sub-segment Brand increased by +5.1% supported by the further development of the GELTEX® inside products. The sub-segment Non-Branded/ Private Label overall recorded lower sales (-6.0%) in a very competitive market environment.

In March 2014, Recticel Bedding (Schweiz) AG announced (cfr press release dd 07 May 2014) its intention to rationalize its Swiss bedding activities by closing its production and logistics operations in Büron (Switzerland). The plant in Büron was vacated in early October and the production activity has been transferred to other Recticel plants.

EBITDA

While REBITDA progressed from EUR 12.8 million to EUR 13.5 million, more than compensating additional promotion/advertising (EUR +4.7 million versus 2013), EBITDA was negatively impacted by EUR -10.6 million non-recurring elements (2013: EUR -2.5 million); i.e. a fine of EUR -8.2 million in respect of the settlement of the German Federal Cartel Office investigation and restructuring charges in Switzerland.

7.3. INSULATION

in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Sales 109.5 110.5 220.0 110.8 116.3 227.0 1.1% 5.2% 3.2%
REBITDA 12.7 15.0 27.7 13.3 13.8 27.1 4.8% -8.0% -2.1%
as % of sales 11.6% 13.6% 12.6% 12.0% 11.9% 11.9%
EBITDA 12.6 15.0 27.6 13.3 13.8 27.1 5.4% -8.0% -1.8%
as % of sales 11.5% 13.6% 12.5% 12.0% 11.9% 11.9%
REBIT 9.9 12.1 22.0 10.3 10.8 21.1 4.6% -11.1% -4.1%
as % of sales 9.0% 11.0% 10.0% 9.3% 9.3% 9.3%
EBIT 9.8 12.1 21.9 10.3 10.8 21.1 5.4% -11.1% -3.7%
as % of sales 8.9% 11.0% 10.0% 9.3% 9.3% 9.3%

Sales

Combined sales increased from EUR 52.9 million in 4Q2013 to EUR 56.4 million in 4Q2014 (+6.7%).

After a very strong 1Q2014 (+11.1%), a comparatively weaker 2Q2014 (-8.2%) and a better 3Q2014 (+2.1%), sales in the sub-segment Building Insulation recorded a solid growth rate of +6.8% in 4Q2014, in overall soft European residential construction and renovation markets, except in the United Kingdom.

The sub-segment Industrial Insulation recorded higher sales in 4Q2014 (+5.0%) as well.

For the full year 2014, sales increased from EUR 220.0 million to EUR 227.0 million (+3.2%).

Sales in the sub-segment Building Insulation, which accounts for 93% of the segment , increased by +2.5% to EUR 211.6 million. The activity was particularly strong in the United Kingdom.

grow on the long term as a result of stricter insulation standards and regulations (cfr. European Energy Performance of Buildings Directive (EPBD) (Directive 2010/31/EU) which will be progressively adopted by the EU member states), higher energy prices and ever growing awareness of the need for more and better

The sub-segment Industrial Insulation recorded significantly higher sales in 2014 (+14.3%).

EBITDA

insulation.

EBITDA slightly decreased to EUR 27.1 million (-1.8%), despite the higher volumes, as a result of increased competition leading to price erosion in a still weak (continental) European construction market.

The structural demand for high performing polyurethane building insulation products is expected to continue to

7.4. AUTOMOTIVE

in million EUR
1H13 2H13 FY13 1H14 2H14 FY14 Δ 1H Δ 2H Δ FY
Sales 129.7 128.7 258.4 140.6 123.5 264.0 8.4% -4.1% 2.2%
REBITDA 8.5 10.3 18.8 12.8 2.1 14.9 50.6% -79.4% -20.8%
as % of sales 6.5% 8.0% 7.3% 9.1% 1.7% 5.6%
EBITDA 0.5 9.9 10.4 12.4 0.1 12.5 nr -98.8% 19.9%
as % of sales 0.4% 7.7% 4.0% 8.8% 0.1% 4.7%
REBIT 1.2 3.6 4.8 7.2 (3.1) 4.2 518.3% nr -12.1%
as % of sales 0.9% 2.8% 1.8% 5.2% -2.5% 1.6%
EBIT (8.0) 2.6 (5.3) 6.9 (5.1) 1.8 nr nr nr
as % of sales -6.2% 2.1% -2.1% 4.9% -4.1% 0.7%

Sales

Combined sales decreased from EUR 64.7 million in 4Q2013 to EUR 63.6 million in 4Q2014 (-1.7%). Both Interiors (-0.7%) and Seating (-3.5%) reported lower sales.

For the full year 2014 combined sales increased by +2.2% from EUR 258.4 million to EUR 264.0 million. Since October 2013, the automotive markets have improved, confirmed by new car registrations in the EU-28.

Sales in Interiors decreased by -2.0% from EUR 110.7 million to EUR 108.5 million. This drop was expected as some programs (e.g. Mercedes C Class) were phasingout. In contrast, the volumes in China grew significantly compared to 2013, due to the start-up of the Beijing plant (Daimler) and higher volumes in the Shenyang plant (BMW).

Sales in Seating (i.e. Proseat, the 51/49 joint venture between Recticel and Woodbridge), more than compensated for the lower sales volumes in Interiors, with an increase of +5.5% from EUR 136.8 million to EUR 144.3 million.

Full year 2014 sales in 'Exteriors' increased by +2.8% to EUR 11.2 million.

EBITDA

EBITDA improved by 19.9% from EUR 10.4 million to EUR 12.5 million, after absorption of non-recurring charges of EUR –2.4 million (2013: EUR –8.4 million) which relate mainly to the final closure costs of the Rheinbreitbach (Germany) Interiors plant. The lower recurrent profitability resulted from lower volumes in Interiors, start-up costs of new programs, higher raw material prices in Seating and lower mould sales.

8. Subsequent events

• Industrial Insulation

On 18 February 2015 Recticel announced that it has sold its 50% participation in the joint venture company Kingspan Tarec Industrial Insulation (KTII) to its joint venture partner Kingspan Group plc, who consequently will own 100% of the shares of KTII nv (Turnhout, Belgium) and KTII Ltd (Glossop, United Kingdom).

Kingspan Tarec Industrial Insulation (KTII) develops and produces premium performance insulation products for the thermal insulation of pipework in process and petrochemical applications and for the cool truck industry. KTII was established in 2006 by Recticel and Kingspan, when both companies decided to combine their respective industrial insulation activities. In 2014, KTII realised annual sales of circa EUR 31 million.

Recticel sells its 50% stake in KTII for a consideration of EUR 8.5 million (enterprise value).

• Automotive-Seating

Mid-February 2015, Proseat, the 51/49 joint venture between Recticel and Woodbridge, announced its intention to close its plant in Rüsselsheim (Germany). All 77 employees at the site have been put under risk of redundancy. Discussions with the works council already started in order to identify the most appropriate social support measures.

The related closure costs will be charged to the results of 1H2015.

9. Profit appropriation policy

The Annual General Meeting decides on the appropriation of the amounts available for distribution on the basis of a proposal from the Board of Directors.

When drawing up its proposal, the Board of Directors tries to achieve the right balance between ensuring a stable dividend for shareholders and maintaining sufficient investment and selffinancing opportunities to secure the company's longer-term growth.

The Board of Directors decided to present the following appropriation of the results to the General Meeting:

in EUR
Profit for the period (9 542 390.93)
+ Profit brought forward from previous year 62 163 537.64
Result to be appropriated 52 621 146.71
- Addition to the legal reserves 0.00
- Addition to other reserves 0.00
- Gross dividend (5 932 851.20)
Profit to be carried forward 46 688 295.51

Gross dividend per share (in EUR)

10. Dividend payment

Subject to approval by the General Meeting of 26 May 2015 of the profit appropriation, a dividend of EUR 0.20 gross will be paid per ordinary share, or EUR 0.15 net (-25% withholding tax). This dividend will be payable from 02 June 2015. KBC bank acts as Paying Agent.

The payment for the registered shares will take place via bank transfer on the shareholders' bank account.

DIVIDEND KEY DATA
Gross dividend per share EUR 0.20
Ex-coupon date 23 APRIL 2015
Dividend payment date 02 JUNE 2015

2 > The Recticel Group Strategy and Activities

Group Strategy and Activities

Consistently building on the strategic growth pillars of innovation, geographical diversification and operational excellence.

Mission

By leveraging its outstanding expertise in polymer applications, particularly but not limited to polyurethane, Recticel aims to offer competitive high value added solutions to its customers, in order to create shared value for its customers, its employees, its shareholders and other stakeholders.

Vision

Be the leading global provider of high value added solutions in its core markets, supporting key worldwide trends such as environment protection, energy conservation, aging and increasing population and water management.

Group Strategy

Recticel's strategy is to sustainably position the Group as the leading supplier of high value added solutions in the Group's key markets.

Priority will be given to:

  • innovation in the areas of applications, products and materials, in combination with high quality and service levels, and to brand awareness among end consumers wherever applicable;
  • international expansion outside Europe; and
  • the overall simplification of the Group and the rationalization of the manufacturing footprint.

Continuous improvement in the development of its human resources, as people and teams are key to success. Likewise, meeting sustainable development criteria in all business decisions is considered to be a mandatory contribution to long term success.

The building blocks of the Group's strategy can be illustrated as follows:

Business Line Positions and Strategic Views

The Group's strategy is defined on the basis of its core competences of transforming PU and other polymers and materials in value-added applications, the relative attractiveness of the markets in which it operates and the competitive strengths of the Group in each of these markets. The strategic plan prioritises resource allocation to the various business segments.

The Group assessed the attractiveness of the markets in which each Business Line is operating, based on criteria such as size, growth, profitability and capital intensity. In addition, the Group's competitiveness in each of these markets was evaluated. On the basis of this analysis the Group concluded that the Business Line Insulation is the most attractive, followed by Bedding and Flexible Foams. Given the positioning of Recticel's Business Line Automotive, both divisions of this Business Line are considered non-core for Recticel in realising its strategy going forward.

On the basis of the above illustrated Business Line positioning and looking forward, the Group has defined specific strategic actions. In some cases these actions are common to all Business Lines, in other cases the Group will pursue Business Line specific actions. As a result, each Business Line has its own strategy, which can be summarized as follows:

Insulation: Grow through international expansion, innovation and the introduction of
new products, modules and distribution channels, supported by capacity
expansion, selective growth initiatives and acquisitions.
Bedding: Improve its profitability through operational efficiency and selective
growth initiatives. Organic growth will be based upon a strong marketing
strategy, product innovation, the right Brand/Private Label strategy, and an
optimised network of production facilities.
Flexible Foams: Improve its profitability through operational efficiency and selective
growth initiatives. This will be realised through rationalisation and
modernisation of the manufacturing footprint. Selective growth initiatives
will be based on new products and further geographical expansion in the
Technical Foams Division.
Automotive: Fully capitalize on the existing production capacity. This is envisaged to be
realized through tight investment control. Both Divisions are envisaged to
be stabilized through the introduction and support of innovative products
and the continuous optimisation of their industrial footprint and capacity
utilisation.

Supporting Strategies

To support the execution of the different Business Line strategies, Recticel believes that each should be further supported and guided by the following three action pillars:

Simplification

The Group intends to further simplify its structure, organisation and processes in order to increase its operational efficiency and to reduce fixed costs. This should allow the Group to react even more quickly on market evolutions, increase its profitability and better manage its people and processes.

The Group has taken actions in different fields such as the reduction of headcount, the decrease in number of plants, joint ventures and legal entities, but also a reduction in the number of product ranges and optimisation of the customer portfolio. In addition, the Group aims to foster on its synergies via further centralisation, standardisation and optimisation of common processes and administrative tasks.

Although significant progress was made in the past four years, the Group will continue to strive for further streamlining and optimisations. Over the last five years, the Group has reduced the number of plants from 128 to 99. At the same time, the workforce has been reduced by about 2,300 employees to approximately 7,578 employees and the number of joint ventures has been scaled down from 22 entities to 12. In the same context, the number of subsidiaries has been reduced from 119 legal entities to 90. Also the number of product references has been brought down. Over the last five years, restructuring costs amounted in aggregate approximately EUR 51 million.

• International Expansion

Holding strong market positions in various European markets, the Group intends to further pursue growth via international expansion, inside as well as outside Europe. In this respect, the Group defined a clear strategy per Business Line.

Insulation

Via its Business Line Insulation, Recticel is today a market leader in the PUR/PIR segment in Belgium and has leading positions in the United Kingdom, France and The Netherlands. Furthermore it is selling in Germany and Poland. The Group is determined to expand its presence further in Europe in the first instance via continued development of its activities in existing markets such as France (where a new plant was launched in 2013) and the United Kingdom, as well as through potential expansion into new markets. In addition, the Group wants to expand its insulation activities outside Europe to play an active role in the development of high growth markets.

Bedding

The Business Line Bedding is currently mainly present in European countries such as Austria, Belgium, Germany, Poland, Scandinavia, Switzerland and The Netherlands. A small fraction of the business is done through export to France, Italy, Eastern Europe, China and Australia. Europe will remain the focus market for the Business Line Bedding where it will further develop its presence in existing and new markets.

Flexible Foams

The Business Line Flexible Foams is currently already globally active, but the majority of its operations are based in Europe. Via its Division Technical Foams, Recticel is also present in North-America, Asia and North-Africa. It aims to further grow these activities in the United States besides India, China, and Morocco.

Automotive

Via its Division Interiors, Recticel is present mainly in (Eastern) Europe, but also in the United States and increasingly China. The geographical expansion of Interiors follows the end customers, the Original Equipment Manufacturers (OEMs). By setting up its activities physically in the customer plants (plant-in-plant concept) the business can obtain the required customer proximity whilst limiting the investments needed.

The Division Seating has a strong presence in Europe via its plants in the Czech Republic, France, Germany, Poland, Spain and the United Kingdom. Going forward, the Division aims to grow further within Europe as this is the territory agreed with its joint venture partner.

Innovation

Market-driven innovation is at the heart of Recticel's success. In order to successfully capture future opportunities, the Recticel Research & Development department has been organized in order to increase the pull effect by the different Business Lines. Also the flexibility in the Group's resource utilisation has been upgraded with the goal of providing successful innovation.

The following important innovations have been brought into the markets:

In the Business Line Insulation, several new products have been introduced, including a higher performance product with an insulation factor (lambda) reaching 0.021 W/mK. This is a new generation of PIR panels offering a 10% improvement in thermal insulation by its improved chemistry. This can create savings up to 1cm in living space. The product was launched on the Belgian construction fair Batibouw in 2014.

For the Business Line Bedding, an innovative new product, branded as GELTEX® inside has been created. In this application area it is the Division's largest and most important innovation of the last decade. The product differentiates itself through its combination of optimal pressure distribution, ideal support and maximum permeability/climate control properties. The development of the GELTEX® inside brand has already been translated in effective and growing sales.

In the Business Line Flexible Foams, new generation of acoustic foams have been introduced. In this context Recticel's Technical Foams Division won new contracts for Boeing. Also new products and solutions have been developed and marketed for acoustic insulation for the building sector. The Group has further developed a new comfort foam angelpearl® for its third party bedding customers.

In the Business Line Automotive, an important innovation has been marketed as from 2013. The product is branded under the name Colo-Sense® Lite. It is a high performance skin for automotive interiors applications enabling a weight reduction of 25% responding to the OEM's constant search for lighter products. The product is not only lighter, but has premium optic and haptic characteristics, with the same quality and durability properties as its predecessor Colo-Fast®. This innovation attracted the attention of several premium OEMs and resulted in a series of new contracts.

• Human Organisation

Next to the strategic action pillars (simplification – international expansion - innovation) Recticel believes that the successful execution of its strategy can only be realized by a professional human resources process.

In the present rapidly changing business environment, the ability to learn quickly and to rapidly acquire new competencies can be a key competitive advantage for the future growth of the Group. All employees should therefore be able and get the chance to continuously develop and learn new competencies. To reach this objective, the Group has implemented a wide set of policies, programmes and actions.

In addition to the training programmes, Recticel has also implemented a Group performance management process which should help employees to focus on results and promote key behaviours and success attributes. The Group aims to reward performance. The annual performance review helps managers to coach and to develop the employees in the best possible way.

The performance reviews make the performance visible and assign accountability for business success to each and every employee. The performance standards also create alignment; hereby ensuring that all employees and departments are working on the implementation of the Group's strategy.

In order to strengthen the implementation of the Group strategy, the Management Committee was reinforced by several new appointments in the last few years including three new Business Line Managers and the introduction of two new important positions: Chief Procurement Officer and Chief Sustainability Officer.

• Sustainability

Looking forward, the Group and its actions are expected to be more and more guided by sustainability concerns. The Group endeavours to embrace sustainability in order to create a competitive edge and create value for all its stakeholders. For all new investments, the element of sustainability will be taken into consideration

Recticel is committed to prioritise investments in segments and/or products contributing to the sustainable development of society. This includes additional investment to optimize and expand its building insulation segment. The Group manages its production processes and supply chain to minimize raw material, energy and water consumption and takes initiatives to reduce waste and transports. In its constant strive for innovative solutions, the Group intends to develop solutions enabling proper re-use or re-cycling of products after their end of life. This is supported by the introduction of R&D development programs for processes and chemistry. In addition, Recticel operates to the highest standards of safety and environmental protection which is carefully monitored and continuously reviewed for improvement by its department for Health, Safety and Environment.

The Group plans to communicate on its achievements via the regular publication of a sustainability report, starting in 2016.

Activities

GROUP STRATEGY AND ACTIVITIES

Ever since its entry in the world of polyurethane technology some 65 years ago, Recticel has continuously shown its pioneering spirit by regularly developing innovative applications and solutions. As a manufacturer and transformer of polyurethane, Recticel offers a broad variety of ultimate comfort applications; which are all organised around four distinctive business lines. Although their activities have a clear link with the polyurethane technology, they are nevertheless very distinctive as each of them serves specific market sectors. Around 94% of the total Group sales are generated in Europe.

The Insulation business line concentrates on the production and commercialisation of high-performance and durable thermal insulation material in rigid closed cell polyurethane - (PU or PUR) and polyisocyanurate foam (PIR). This segment, the smallest of the Group, accounts for 16.6% of total combined sales and contains till February 2015* two divisions: building insulation and industrial insulation.

* see II.6.4. Subsequent events in Financial section

Insulation

Market attractiveness

  • − Environmental protection and energy conservation are mega-trends. Heating and cooling of buildings represents 22% of the worldwide use of energy.
  • − Insulation is the #1 solution to reduce worldwide energy consumption with the highest return on investment.
  • − EU Directives and regulations currently drive growth of insulation solutions in new building market, while subsidy policies drive growth in the renovation market.

Competitiveness

  • − Polyurethane is the thermal insulation material with one of the highest performances in the market, gaining market share over polystyrene and rock- or glasswool insulation solutions.
  • − Recticel is recognised for its broad/high quality product range, and for its efficient service.
  • − The industrial footprint comprises very efficient and ideally located production facilities.

Strategy

  • − Primary focus on Europe.
  • − Accelerated growth through organic growth or acquisition.
  • − Supported by innovation and new product introduction.
COMBINED KEY FIGURES
2012
2013
2014
in million EUR
Sales (1) 220.7 220.0 227.0
Growth rate of sales (%)
-1.1%
-0.3%
3.2%
REBITDA
36.3
27.7
27.1
REBITDA margin (as % of sales)
16.5%
12.6%
11.9%
EBITDA
36.1
27.6
27.1
EBITDA margin (as % of sales)
16.4%
12.5%
11.9%
REBIT
32.3
22.0
21.1
REBIT margin (as % of sales)
14.6%
10.0%
9.3%
EBIT
32.1
21.9
21.1
EBIT margin (as % of sales)
14.6%
10.0%
9.3%
Investments in intangible assets (exclusive of goodwill) and
25.9
4.8
6.2
property, plant and equipment
Investments as % of sales
11.7%
2.2%
2.7%

(1) before eliminations of intra-Group transactions

Sales Insulation 2014 EUR 227.0 million

Evolution sales Insulation

The Bedding business line focuses on the development, production and the commercialisation of finished mattresses, slat bases and box springs. The strategy is articulated around strong national brands supported by ingredient brands such as GELTEX® Inside, complemented by Private Labels for its customers, hereby enabling an optimised use of its manufacturing footprint. The Bedding segment accounts for 20.6% of the Group's total combined sales.

is available at: Beka®, Lattoflex®, Schlaraffia®, Sembella®, Superba®, Swissflex®, and Ubica®

Bedding

Market attractiveness

  • Market driven by demographic evolution.
  • Sleeping quality is increasingly identified as a critical comfort and health factor, leading to investment in high value bedding systems, as well as more frequent replacement.
  • High value branded products represents the top-end segment of the market, while the 'Private label' segment represents a growing share in the market.

Competitiveness

  • Polyurethane foam for mattresses enables a broad/diverse product range, and is the leading solution enabling a market share increase versus spring or latex solutions.
  • Recticel is well-positioned with strong brands in 5 European countries, but requires streamlining of its industrial set-up.
  • Bedding benefits from the Recticel integration in flexible foams, which enables to swiftly market innovations and new product introductions.

Strategy

  • Organic growth, and possibly external growth.
  • Strong brands and ingredient brands.
  • Product innovation.
  • Manufacturing footprint rationalization.
in million EUR
COMBINED KEY FIGURES 2012 2013 2014
Sales (1) 276.5 283.0 281.6
Growth rate of sales (%) -5.3% 2.3% -0.5%
REBITDA 14.6 12.8 13.5
REBITDA margin (as % of sales) 5.3% 4.5% 4.8%
EBITDA 12.8 10.4 2.9
EBITDA margin (as % of sales) 4.6% 3.7% 1.0%
REBIT 9.1 6.3 7.2
REBIT margin (as % of sales) 3.3% 2.2% 2.5%
EBIT 7.3 3.8 -3.5
EBIT margin (as % of sales) 2.6% 1.4% -1.2%
Investments in intangible assets (exclusive of goodwill) and
property, plant and equipment
3.8 1.7 3.5
Investments as % of sales 1.4% 0.6% 1.3%

(1) before eliminations of intra-Group transactions

Sales Bedding 2014 EUR 281.6 million

Mattresses & Bed bases

Brands versus Non-brands

Evolution sales Bedding

Flexible Foams business focuses mainly on the production, transformation and commercialization of predominantly semifinished products in flexible polyurethane foam. Historically, this business line has been the largest (43.4% of total sales) within the Group and it consists of two divisions: Comfort (mainly commodities) and Technical Foams (mainly specialties).

Flexible Foams

Market attractiveness

  • − Market split between commodity applications in the Comfort segment and specialty applications to a broad variety of industries in the Technical Foams segment.
  • − Optimal asset management and performance drive the Comfort segment.
  • − Innovation and differentiation drive the Technical Foams segment.
  • − Growing market worldwide thanks to the performance of the polyurethane chemistries.

Competitiveness

  • − Recticel benefits from strong R&D capabilities, enabling positioning in new niches.
  • − Recticel has a wide geographical presence with an industrial footprint enabling
  • positioning in many countries, but requesting adjustments and restructuring.
  • − Recticel's size enables access to competitive raw material prices.

Strategy

  • − Rationalisation & modernisation of industrial footprint.
  • − Selective growth initiatives based on new products.
  • − Geographical expansion in the Technical Foams segment.
in million EUR
COMBINED KEY FIGURES 2012 2013 2014
Sales (1) 588.3 583.4 593.0
Growth rate of sales (%) -1.3% -0.8% 1.6%
REBITDA 29.9 30.3 27.7
REBITDA margin (as % of sales) 5.1% 5.2% 4.7%
EBITDA 24.3 -2.4 25.1
EBITDA margin (as % of sales) 4.1% -0.4% 4.2%
REBIT 16.4 18.0 16.5
REBIT marge (as % of sales) 2.8% 3.1% 2.8%
EBIT 9.8 -16.4 13.2
EBIT margin (as % of sales) 1.7% -2.8% 2.2%
Investments in intangible (excluding goodwill) and tangible
fixed assets
10.9 11.0 10.3
Investments as % of sales 1.8% 1.9% 1.7%

(1) before eliminations of intra-Group transactions

Sales Flexible Foams 2014

EUR 593.0 million

Evolution sales Flexible Foams

The Automotive business line includes the following two activities:

  • Interiors which develops, produces and commercialises interior solutions (dashboard skins and door panel trim) on the basis of the unique, certified Colo-Fast® and Colo-Sense® Lite spray technology.
  • Proseat (a 51/49 joint venture between Recticel and Woodbridge) which produces moulded foam seating pads.

Automotive

Market attractiveness

  • Highly competitive and cyclical market characterised in Europe by unprecedented overcapacities.
  • Seating segment (Proseat) commoditized, Interiors segment capital intensive.
  • Innovation and differentiation are mandatory, but generate thin price premium.
  • Intellectual property difficult to keep and to protect.

Competitiveness

  • Recticel is well positioned with the best performance products in Interiors, and is recognised for its innovative concepts in Seating (Proseat).
  • Improving EBIT profitability through restructuring and efficiency efforts.
  • Recticel has an ideal global industrial footprint in Interiors (Europe, USA and China).

Strategy

  • Stabilization of the two business segments, Interiors and Proseat (Seating), and focus on profits.
  • New innovative product introductions.
  • Continuous footprint and capacity utilisation optimisation.
in million EUR
COMBINED KEY FIGURES 2012 2013 2014
Sales 289.7 258.4 264.0
Growth rate in sales (%) -10.8% -10.8% 2.2%
REBITDA 24.1 18.8 14.9
REBITDA margin (as % sales) 8.3% 7.3% 5.6%
EBITDA 22.5 10.4 12.5
EBITDA margin (as % of sales) 7.8% 4.0% 4.7%
REBIT 8.1 4.8 4.2
REBIT margin (as % of sales) 2.8% 1.8% 1.6%
EBIT 5.9 -5.3 1.8
EBIT margin (as % of sales) 2.0% -2.1% 0.7%
Investments in intangible assets (exclusive of goodwill) and
property, plant and equipment
6.4 9.3 13.0
Investments as % of sales 2.2% 3.6% 4.9%

(1) before eliminations of intra Group transactions

Sales Automotive 2014

Evolution sales Automotive

www.recticel-automotive.com

3 > Research and Development

Innovation is a key item in Recticel's strategy. The International Development Center (IDC) is a central element in the creation of new solutions and is exploring the various types of innovation from incremental to breakthrough innovations.

The Development Center focuses on the execution of projects for various business lines and also seeks for solutions in new areas driven by market needs.

In the bedding area the focus has been primarily on the triangle of sleep: an innovative method to evaluate excellent sleeping systems such as the recently developed Geltex® Inside.

In the flexible foam area a number of new technical foams have been created for various applications. Special attention and emphasis was given to develop solutions for better vibrational damping and acoustic performances.

In the automotive interiors domain the new Colo-Sense® Lite product showed to be a sustainable hit. The product is not only 25% lighter but has an even better performance, such as flexibility and soft feel. The new product appears to be a success on the market resulting in more than 500 Mio € new contracts. This innovation got a nomination for the Essenscia innovation award (the Belgian Federation for Chemistry & Life Sciences Industries).

In the insulation area the main efforts were directed towards reaching even better insulation values and further developing improved fire performances.

The corporate program, which focuses on longer term developments, has focused on a sustainability program with different aspects to generate even more sustainable solutions. Various cooperations with knowledge institutes and external partners were initiated. The program focuses on reducing the CO2 footprint. 15 Trend in composition of annual budget for Research & Development

2010 2011 2012 2013 2014 Flexible Foams Bedding Insulation Automotive Corporate Program 0 5 10 15 2010 2011 2012 2013 2014 in million EUR Flexible Foams Bedding Insulation Automotive Corporate Program for Research & Development

In 2014 the Group spent EUR 13.1 million EUR representing about 1.0% of total combined sales.

Trend in composition of annual budget

4 > Human Resources & Production Plants

Human Resources

Recticel is conscious that success depends to a large extent on the quality, the dedication and the enthusiasm of all its work force. To realise its corporate objectives, Recticel not only wants to attract and maintain the best people, but it also tries to support them in their development within the company. To realise this ambitious plan, Recticel continued and strengthened various human resources' initiatives and implemented different new HR supporting programs during 2014. All these efforts aim at improving the individual employability, the effectiveness, the personal performance and the professional development of each employee. In addition, these initiatives also allow a better articulation and alignment of the expectations, behaviours, competences, needs and values of the whole organization. All this is taken at heart with the purpose to eventually deliver best-in-class results and to meet Recticel's global corporate objectives.

Performance Appraisals

In 2014 more than 1,000 managers and employees in more than 20 countries participated in the annual performance appraisal process, using one global tool. Purpose of the performance appraisals was to strengthen the core competencies and key behaviours of Recticel, share feedback and to discuss the needed development and training activities.

During the 2014 performance appraisals, emphasis was also put on the follow-up of the previous training and development related action plans as well as on developing an open feedback culture, hereby supporting employees in case of work related stress.

Employee development programs

Recticel has invested a lot in internal development programs which are carried under the Recticel University roof. All Recticel University programs are designed based on the strategic needs of the company.

During the year 2014, approximately 300 managers and employees participated in the Recticel University programs. In 2014 Recticel University offered circa 700 training days and 22 standard or business line specific development courses. 440 Recticel employees finalised one or more E-University courses (separate e-learning courses mainly related to strategy execution, communication, leadership and lean management).

The biggest development investments have been made to the following skills and behaviours: key account management and customer intimacy, communication and presentation skills, feedback, leadership and project management. During 3Q2014, Recticel also started an extensive roll out of the lean management approach program, which will be continued in 2015.

In November 2014, a new global HR organization structure was implemented. In addition to the corporate HR Functions (mainly centred around Talent Management and Compensation & Benefits) and the established country HR organizations, the role of HR Business Line Partners was introduced for each of the four Business Lines. Four existing country HR managers took up these roles in addition to their current duties.

This new global HR team took up the challenge to re-define the global HR strategy 2015-2017 by April 2015. Two main pillars have already emerged: a global grading project will lead to more organisational clarity and career path design; and the introduction of a streamlined People Review Process, which will lead to enhanced high potential identification, organisational redesign and succession planning.

NUMBER OF STAFF

31 DEC 2013 31 DEC 2014
Germany 1 234 15.9% 1 152 15.2%
Belgium 1 180 15.2% 1 116 14.7%
Poland 872 11.2% 948 12.5%
Czech Republic 709 9.1% 800 10.6%
France 639 8.2% 643 8.5%
United Kingdom 752 9.7% 533 7.0%
The Netherlands 331 4.3% 312 4.1%
People's Republic of China 250 3.2% 269 3.5%
Spain 254 3.3% 248 3.3%
Austria 227 2.9% 240 3.2%
Romania 211 2.7% 223 2.9%
Sweden 200 2.6% 198 2.6%
USA 157 2.0% 153 2.0%
Switzerland 166 2.1% 141 1.9%
Hungary 124 1.6% 128 1.7%
Finland 93 1.2% 93 1.2%
Turkey 79 1.0% 86 1.1%
Estonia 77 1.0% 81 1.1%
Italy 65 0.8% 64 0.8%
India 28 0.4% 54 0.7%
Norway 49 0.6% 36 0.5%
Bulgaria 21 0.3% 20 0.3%
Slovakia 11 0.1% 10 0.1%
Serbia 8 0.1% 10 0.1%
Ukraine 11 0.1% 9 0.1%
Lithuania 9 0.1% 8 0.1%
Russia 5 0.1% 5 0.1%
TOTAL 7 758 100% 7 578 100%
31 DEC 2013 31 DEC 2014
Western-Europe 5 188 66.9% 4 775 63.0%
Eastern-Europe 2 051 26.4% 2 237 29.5%
Rest of the world 519 6.7% 567 7.5%
TOTAL 7 758 100% 7 578 100%

Full-time and part-time personnel, except for temporary personnel and disabled persons, including the proportional personnel count of joint ventures that are managed at least 33% by Recticel.

Safety at Recticel

Thanks to the continuous improvement effort from the whole organisation, the Frequency index of labour accidents has been constantly reduced over the past years and has reached for the second year in a row a level below 10 (F= 8.4 in 2014) (see chart on the inside cover at the beginning of this annual report). There's a strong commitment to continue this effort in order to reach a Frequency below 5 in the coming years.

Production Plants

COUNTRY INSULATION BEDDING FLEXIBLE FOAMS(1) AUTOMOTIVE
AUSTRIA Timelkam Kremsmünster
Linz
BELGIUM Turnhout (2)
Wevelgem
Geraardsbergen
Hulshout
Wetteren
CZECH REPUBLIC Mladá Boleslav
Most
ESTONIA Tallinn
FINLAND Kouvola
FRANCE Bourges Langeac
Louviers
Trilport
Trilport
GERMANY Hassfurt
Jöhstadt
Wattenscheid
Burkhardtsdorf
Ebersbach
Espelkamp
Rheinbreitbach (3)
Rüsselsheim (4)
Schönebeck
Wackersdorf
Mörfelden
Schwarzheide
HUNGARY Sajóbábony
INDIA Taloja, New Bombay
Bangalore
ITALY Gorla Minore
NORWAY Åndalsnes
PEOPLE'S REPUBLIC
OF CHINA
Shanghai Beijing
Ningbo
Shenyang
POLAND Łódz Zgierz Bielsko Biala
ROMANIA Miercurea Sibiului Sibiú
SPAIN Catarroja
Ciudad Rodrigo
Santpedor
SWEDEN Gislaved Gislaved
SWITZERLAND Flüh
THE NETHERLANDS Kesteren Kesteren
TURKEY Istanbul
UNITED KINGDOM Glossop (2)
Stoke-on-Trent
Alfreton
Corby
Manchester
U.S.A. Deer Park, NY
Irvine, CA
Auburn Hills, MI
Tuscaloosa, Al
(1) For Flexible Foams, only the major foams plants are listed.

(2) Sold in February 2015 (cfr II.6.4. Subsequent events in Financial Section) (3) In the process to be closed (4) In the proces to be closed in 2015 (cfr II.6.4. Subsequent events in Financial Section)

The above table lists the principal production units of the Recticel Group (including joint venture companies). Besides these sites, the Group has 43 other conversion units and 5 sales offices in Europe, the United States and Asia. End 2014, the Group had in total 99 production units in 27 countries.

5 > Corporate Governance Statement

1. Applicable rules and reference code

Recticel publishes its Corporate Governance Charter on its web site (www.recticel.com) in accordance with the requirements of the Belgian Corporate Governance Code 2009. The latest version is dated 26 March 2015. Any interested party can download the Charter there, or request a copy from the company's registered office. The Charter contains a detailed description of the governance structure and the company's governance policy.

Recticel uses the Belgian Governance Code of 2009 as reference code, which can be found on the website of the Corporate Governance Committee (www.corporategovernancecommittee.be).

Recticel complies with all recommendations contained in the reference code, except with the following provisions:

• principle 5.2. /4. of the Belgian Corporate Governance Code 2009 which provides that at least the majority of the members of the Audit committee must be independent. Recticel's Board of Directors contends however that Mr. DAVIGNON and Mr. VANDEPOEL have proven a de facto independence stature, though they no longer meet the legal independence requirements, only due to their term as director exceeding twelve years.

This chapter contains information regarding corporate governance in general and, the application of the Code during the last financial year in particular.

In accordance with the Belgian Companies Code, the Board of Directors is authorized to undertake all necessary actions to achieve the company's objective, except those that only the general meeting is authorized to perform by law. The authority granted to the Board of Directors was not further limited in the articles of association.

The terms of reference of the Board of Directors are described in more detail in Recticel's Corporate Governance Charter.

2. Internal control and risk management

Every entity exists to create value for the stakeholders and this forms the basis of risk management for every company. The challenge that faces the Board of Directors and executive management is in determining how much uncertainty they wish to accept in their strive for creating value. The value is maximized if the administration is successful in creating an optimal balance between growth and turnover on the one hand and the connected risks on the other.

Identifying and quantifying the risks and setting up and maintaining an efficient control mechanism is the responsibility of Recticel Group's Board of Directors and executive management.

The framework for internal control and risk management applied by the Recticel Group is based on the COSO (Committee of Sponsoring Organisations of the Treadway Commission) model and is in line with the requirements imposed by the Belgian Corporate Governance Code, taking into account the Recticel Group's size and specific needs.

Since mid-2010 the Board of Directors and the executive management have reviewed the framework for internal control and risk management and an amended Compliance programme is implemented.

The basis is formed by the revised Code of Conduct, applicable on all Recticel directors, corporate officers and employees, and published on Recticel's website (www. recticel.com).

Important matters like ethics, safety, health and environment, quality, conflicts of interest, anti-trust, fraud and others are being dealt with.

Corporate policies have been elaborated to cover these principles that are further explained in the Business Control Guide, which provides more concrete and detailed guidelines, for instance guidelines on the level of Tax management, Treasury management, Accounting policies, Investments, Purchases, Mergers and Takeovers, and such. The internal financial reporting and control occurs based on the Group Accounting Manual, Group Accounting Methodology and Cost Accounting Methodology.

This Business Control Guide includes the general delegation of deciding powers and responsibilities for specific areas of competence.

The Board of Directors and executive management regularly reviews the most important risks that the Recticel Group is exposed to and submits a list of priorities. A general description of the risks can be found in the financial part of this annual report under chapter VIII.

One of the objectives of the internal control and risk management system is also to ensure a timely, complete and accurate communication. To this end the Business Control Guide and all other guidelines contain the necessary regulations on roles and responsibilities. Also, the necessary attention is given to ensuring the security and confidentiality of the data exchange, if and when necessary.

The Recticel Group has also revised its internal reporting system in the event of violation of internal or external laws and regulations. Indeed, a Group Policy for the Reporting of Misconduct and the Protection of Whistle-blowers has been activated to enable anyone to report on behaviour that may represent a violation of the applicable Code of Conduct, the Group Corporate Policies or any other laws and regulations.

Finally, the Audit committee, amongst other, has the task of informing and advising the Board of Directors regarding the annual follow up of the systems of internal control and risk management.

The Internal Audit Department works based on an Internal Audit Charter and has the primary function of delivering objectives opinions about the internal control in place in the Recticel Group. The Internal Audit aims at providing the reasonable assurance that the strategic, operational, compliance and reporting objectives of the Recticel Group can be realized in the most efficient way. To this end they seek to ensure the following objectives:

  • the reliability and integrity of the information;
  • compliance with policies, plans, procedures, laws and agreements;
  • safeguarding of assets;
  • economical and efficient use of resources;
  • achieving the goals set by operations and programs.

3. External audit

The external audit of Recticel SA/NV's company and consolidated annual accounts has been entrusted by the Annual General Meeting of 2013 to the limited liability cooperative company "DELOITTE Bedrijfsrevisoren", represented by Mr. William BLOMME. Mr. William BLOMME left DELOITTE on 1 December 2014 and is replaced by Mr. Joël BREHMEN.

The Auditor conducts its audits in accordance with the standards of the Belgian Institute of Company Auditors and delivers a report, which confirms if the company's annual accounts and the consolidated financial statements of the company reflect a true and fair view of the assets, financial condition and results of the company. The Audit committee investigates and discusses these bi-annual reports in the presence of the Auditor, and afterwards also with the Board of Directors.

The Auditor's remuneration on the audit of Recticel NV's company and consolidated account and the consolidated financial statements intended in article 134, §1 of the Companies Code, amounts to EUR 400,670 for 2014.

Apart from this remuneration the Auditor also invoiced EUR 273,456 for additional audits and EUR 150,077 for other consulting assignments. The details of these compensations are included in the explanatory notes on VOL 5.15 in the statutory annual account.

The global amount of the Auditor's remunerations for additional services to the Recticel Group amounts to EUR 618,380. This global amount comprises the sum of EUR 344,924 for additional tax, legal and corporate finance assignments. Provided that the total remuneration for the services offered by the Auditor amount to EUR 949,347 at Group level, it shall be noticed that the limit intended in article 133 of the Belgian Companies Code on consolidated level has not been exceeded.

Details on these compensations are included in the explanatory notes in the financial part of the Consolidated Annual report.

The Auditor's mandate was renewed in 2013 and will end after the upcoming Ordinary General meeting of 2016.

4. Composition of the Board of Directors

Recticel's Board of Directors currently consists of twelve members. There are eleven non-executive directors, four of which are independent. OLIVIER CHAPELLE SPRL/BVBA, Chief Executive Officer, is the executive director.

The Chief Executive Officer represents the management and four directors represent the reference shareholder.

With reference to the Law of 28 July 2011 setting the obligation to have, by 1 January 2017, at least 1/3 of the members of the Board of the opposite gender, the Board is committed to comply with this obligation in due time. Since the introduction of the law two additional female directors were appointed and hence currently three of the twelve members of the Board of Directors are of the opposite gender.

The following table provides an overview of the current members of Recticel's Board of Directors.

NAME FUNCTION TYPE YEAR OF
BIRTH
START OF
MANDATE
END OF
MANDATE
PRIMARY FUNCTION
OUTSIDE OF RECTICEL
MEMBERSHIP
COMMITTEE
Etienne DAVIGNON Chairman Non-executive 1932 1992 26/05/15 Brussels Airlines
Chairman
AC
Olivier CHAPELLE (1) Managing
Director
Executive 1964 2009 2016 MC
André BERGEN (2) Director Independent 1950 2011 26/05/15 Cofinimmo
Chairman
François BLONDEL (3) Director Non-executive 1963 2012 26/02/15 RC
AC
Benoit DECKERS (4) Director Non-executive 1964 26/02/2015 2015 Chief Financial Officer
Compagnie du Bois Sauvage
RC
Marion DEBRUYNE (5) Director Independent 1972 29/05/2012 2016 Vlerick Leuven Gent
Management School Partner
and Associate Professor
RC
Pierre-Alain DE SMEDT Director Independent 1944 2011 26/05/15 Deceuninck Group NV
Chairman
RC
Ingrid MERCKX (6) Director Independent 1966 29/05/2012 2016 Agfa Graphics
Chief Operating Officer
RC
Wilfried VANDEPOEL (7) Director Non-executive 1945 1999 2017 Lessius Corporate Finance NV
Managing Director
Patrick VAN CRAEN Director Non-executive 1953 2012 2016 CFE International Director AC
Frédéric
VAN GANSBERGHE (8)
Director Non-executive 1958 2014 2016 Managing Director Galactic NV
Pierre-Yves
de Laminne de Bex (9)
Director Non-executive 1969 2014 2018 Companie du Bois Sauvage
Director
Unit International SA,
Finance Manager
Jacqueline ZOETE Director Non-executive 1942 2010 2016 Sioen Industries NV
Director
AC

(1) in his capacity as General Manager of Olivier Chapelle SPRL/BVBA.

(2) in his capacity as General Manager of André Bergen Comm. V.

(3) in his capacity as Permanent Representative of Compagnie du Bois Sauvage Services SA.

(4) in his capacity as Permanent Representative of Compagnie du Bois Sauvage Services SA.

(5) in her capacity as General Manager of Marion Debruyne BVBA

(6) in her capacity as General Manager of Imrada BVBA

(7) in his capacity as Managing Director of Revam BVBA

(8) in his capacity as Permanent Representative of Entreprises et Chemins de Fer en Chine SA (9) in his capacity as Permanent Representative of Compagnie du Bois Sauvage SA

AC = Audit Committee

MC = Management Committee

RC = Remuneration & Nomination Committee

The following table provides an overview of the members of the Board of Directors of Recticel of who the mandate expired in the course of the 2014.

NAME FUNCTION TYPE YEAR OF
BIRTH
START OF
MANDATE
END OF
MANDATE
PRIMARY FUNCTION OUTSIDE
OF RECTICEL
MEMBERSHIP
COMMITTEE
Guy PAQUOT Vice Chairman Non-executive 1941 1985 27/03/14 Entreprises et Chemins de Fer
en Chine SA, Chairman and
Managing Director

Amendments since the previous annual report – statutory appointments – presentation of new directors

As proposed by the Board of Directors and based upon the recommendation made by the Remuneration and Nomination committee, the following has been decided during the Ordinary General Meeting dated 27 May 2014 :

  • ratification of the resolution passed by the Board of Directors on 6 May 2013 and definitive replacement as Director of Mrs. Ingrid MERCKX by "IMRADA BVBA", represented by Mrs. Ingrid MERCKX, permanent representative, for a term expiring at the end of the General Meeting in 2016.
  • ratification of the resolution passed by the Board of Directors on 17 June 2013 and definitive replacement as Director of Mrs. Marion DEBRUYNE by "MARION DEBRUYNE BVBA", represented by Mrs. Marion DEBRUYNE, permanent representative, for a term expiring at the end of the General Meeting in 2016.
  • ratification of the co-optation and definitive replacement as director of Mr. Guy PAQUOT, who resigned, by ENTREPRISES ET CHEMINS DE FER EN CHINE SA, represented by Mr. Frédéric VAN GANSBERGHE, permanent representative, for a term expiring at the end of the General Meeting in 2016.
  • Appointment as director of COMPAGNIE DU BOIS SAUVAGE SA, represented by Mr. Pierre-Yves de Laminne de Bex, permanent representative, for a term expiring at the end of the General Meeting in 2018.

Moreover it should be noted that the Board of Directors of 9 May 2014 has accepted the resignation of Mr. Guy PAQUOT as Director with effect from 27 March 2014. The General Meeting of 27 May 2015 has accepted and confirmed this resignation.

On 26 February 2015, Mr. François BLONDEL resigned with immediate effect as permanent representative of Compagnie du Bois Sauvage Services SA. The latter has proposed Mr. Benoit DECKERS as new permanent representative which was ratified by the Board of Directors of 26 March 2015.

Taking into account the above, and upon advice of the Remuneration & Nomination Committee, the Board of Directors will propose at the Ordinary General Meeting of 26 May 2015 to approve the:

  • Acceptance of the resignation of Mr. Etienne DAVIGNON as director and president of the Board of Directors with immediate effect after the General Meeting of 26 May 2015.
  • Acceptance of the resignation of ANDRE BERGEN Comm. V., represented by Mr. André BERGEN, as independent director and chairman of the Audit Committee, with immediate effect after the General Meeting of 26 May 2015.
  • In replacement of Mr. Etienne DAVIGNON, appointment of THIJS JOHNNY SPRL, represented by Mr. Johnny THIJS, as non-executive and independent director for a term of three years expiring after the General Meeting of 2018.
  • In replacement of ANDRE BERGEN Comm. V., appointment of REVALUE SPRL, represented by Mr. Luc MISSORTEN, as non-executive and independent director for a term of three years expiring after the General Meeting of 2018.
  • In replacement of Mr. Pierre-Alain DE SMEDT, which mandate expires at the end of the General Meeting, appointment of Mr. Kurt PIERLOOT as non-executive and independent director for a term of three years expiring after the General Meeting of 2018.

  • Renewal of the mandate as Director of Compagnie du Bois Sauvage Services SA, represented by Mr. Benoit DECKERS for a term of three years expiring after the General Meeting of 2018.

  • Confirmation that Mr. Patrick VAN CRAEN does not meet the independence criteria in the sense of articles 524 §2 and 526bis §2 of the Companies Code, with effect of 20 June 2014.
  • Election of Ms. Jacqueline ZOETE as independent director, in the sense of articles 524 §2 and 526bis §2 of the Companies Code. During its first election in 2010, Ms. ZOETE did not meet all the conditions as at this time she represented a company that had set up a shareholders agreement with Compagnie du Bois Sauvage. Since then this agreement ended and Ms. ZOETE meets now all the criteria indicated in article 526 ter of the Companies Code as well as the independence criteria of the Code on Corporate Governance 2009.

Functioning of the Board of Directors

The Board of Directors gathered a total of eleven times in 2014. One meeting handled mainly the 2014 budget and two meetings handled the establishment of the annual accounts as per 31 December 2013 and the mid-year accounts as per 30 June 2014.

Each meeting also addressed the state of affairs per business line and the most important current acquisition and/or divestment files. Other subjects (human resources, external communication, litigations and legal issues, delegations of authority and such) are discussed as and when necessary.

The written decision procedure was not applied in 2014.

Mr. Dirk VERBRUGGEN, General Counsel and General Secretary, acts as Secretary of the Board of Directors.

The individual attendance rate of the directors at the meetings in 2014 was:

NAME ATTENDANCE RATE 2014
Etienne DAVIGNON 11/11
Olivier CHAPELLE 11/11
André BERGEN 9/11
François BLONDEL 10/11
Pierre-Yves de LAMINNE de BEX (1) 7/8
Marion DEBRUYNE 6/11
Pierre-Alain DE SMEDT 10/11
Ingrid MERCKX 7/11
Guy PAQUOT (2) 1/1
Wilfried VANDEPOEL 10/11
Patrick VAN CRAEN 11/11
Frédéric VAN GANSBERGHE (3) 10/10
Jacqueline ZOETE 11/11

(1) start of mandate 27/05/2014

(2) end of mandate 27/03/2014 (3) start of mandate 09/05/2014

The Board of Directors organises a self-assessment of its functioning on a regular basis. Such self-assessment starts through a questionnaire to be remitted to and completed by each individual director. The results of the questionnaire are then be discussed and further analysed during a subsequent meeting of the Board of Directors.

5. Committees set up by the Board of Directors

a) The Audit committee

In accordance with company law, the audit committee governs the financial reporting process, the effectiveness of the internal control and risk management systems of the company, the internal audit, the statutory control of the annual accounts and the consolidated accounts, and the Auditor's independence. The Audit committee's terms of reference are included in the Corporate Governance Charter.

The Audit committee consists of four members. All members are non-executive directors and two members, one of which is the Chairman, are independent directors in the sense of article 526ter of the Belgian Companies Code.

Mr. Dirk VERBRUGGEN, General Counsel and General Secretary, acts as Secretary of the Audit committee.

The composition of the Audit committee complies with the stipulations of Recticel NV's articles of association and the relevant provisions of the Belgian Companies Code, but does not comply with principle 5.2. /4. of the Belgian Corporate Governance Code 2009 which provides that at least the majority of the members of the Audit committee must be independent. Recticel's Board of Directors contends however that Mr. DAVIGNON and Mr. VANDEPOEL have proven a de facto independence stature, though they no longer meet the legal independence requirements, only due to their term as director exceeding twelve years.

In accordance with article 526bis of the Companies Code, Recticel NV declares that the Chairman of the Audit committee, Mr. André BERGEN, meets the independence requirements and that he possesses the requisite expertise in accounting and auditing.

The following table contains the members of the Audit committee during the financial year 2014 to date.

NAME FUNCTION ATTENDANCE
RATE IN 2014
André BERGEN Chairman 4/5
Etienne DAVIGNON Member 5/5
Wilfried VANDEPOEL Member 5/5
Patrick VAN CRAEN Member 5/5

The Audit committee convened five times in 2014. Four meetings were devoted primarily to the audit of the annual accounts per 31 December 2013 and the interim accounts per 30 June 2014. All meetings also focus on the internal audit program, risk management, compliance, taxation and IFRS related accounting questions.

The Audit Committee conducts each year an informal selfassessment of its functioning during one of its meetings and reserves the necessary time to discuss and analyse the same.

b) The Remuneration and Nomination Committee

The Remuneration and Nomination Committee makes proposals to the Board of Directors regarding the remuneration policy and the individual remuneration of directors and members of the Management committee and will in future prepare and explain the remuneration report at the Ordinary General Meeting. They also make the necessary proposals regarding the evaluation and reappointment of directors as well as the appointment and induction of new directors. The terms of reference of the Remuneration and Nomination Committee are included in Recticel's Corporate Governance Charter.

The Remuneration and Nomination Committee consists of four members, all non-executive directors, of which three are independent directors.

Mr. Dirk VERBRUGGEN, General Counsel and General Secretary, fulfils the role of secretary of the Remuneration and Nomination Committee.

The composition of the Remuneration and Nomination committee meets the new requirements with respect to the Companies Code, as well as the requirements of the Belgian Corporate Governance Code.

The committee is composed as follows:

NAME FUNCTION ATTENDANCE RATE
IN 2014
Pierre-Alain DE SMEDT Chairman 4/4
André BERGEN Member 3/4
Marion DEBRUYNE Member 4/4
François BLONDEL Member 2/4

In accordance with article 526quater of the Companies Code, Recticel declares that the Remuneration and Nomination committee possesses the necessary expertise in the area of remuneration policy.

The Remuneration and Nomination committee convened four times in 2014.

Two meetings dealt with the fixed and variable remuneration of the executive management as well as with the election and re-election of directors. Other meetings concerned a.o. the election of the future Group General Manager Insulation.

The set-up and functioning of the Remuneration and Nomination Committee was thoroughly reviewed at the end of 2010 following the introduction of the Law dated 6 April 2010 amending the Belgian Companies Code and introducing an article 526quater, whereby the setting-up of a Remuneration and Nomination Committee has become mandatory.

Consequently, the Remuneration and Nomination Committee conducts each year an informal self-assessment of its functioning during one of its meetings and reserves the necessary time to discuss and analyse the same.

6. The Executive management

The Board of Directors has entrusted the day-to-day management of the company to its Managing Director and Chief Executive Officer, "OLIVIER CHAPELLE" SPRL/ BVBA, located in 1180 Brussels, Avenue de la Sapinière 28, represented by its General Manager and permanent representative, Mr. Olivier CHAPELLE.

The Chief Executive Officer is assisted by the Management committee, of which the members (for the period 2014 to present) are indicated in the following list:

NAME FUNCTIE
Olivier CHAPELLE (1) Chief Executive Officer
Ralf BECKER Group General Manager Insulation
Betty BOGAERT Group ICT & Business Support Manager
Philipp BURGTORF Group General Manager Bedding
Marc CLOCKAERTS (2) Group General Manager Automotive
Marc CLOCKAERTS (3) Group General Manager Flexible Foams
Jean-Pierre DE KESEL Chief Sustainability Officer
Rik DE VOS (4) Group General Manager Flexible Foams
Bart MASSANT (5) Group HR & Communications Manager
Jean-Pierre MELLEN Chief Financial Officer
Jan MEULEMAN (6) Group General Manager Automotive
François PETIT Chief Procurement Officer
Dirk VERBRUGGEN General Counsel & General Secretary
Bart WALLAEYS Group Manager Research and Development
(1) In his capacity as General Manager of Olivier Chapelle SPRL/BVBA.

(2) tot 1/2/2015 in zijn hoedanigheid van Zaakvoerder en Vaste Vertegenwoordiger

van Emsee BVBA. (3) vanaf 1/2/2015 in zijn hoedanigheid van Zaakvoerder en Vaste Vertegenwoordiger van Emsee BVBA. (4) t/m 31/12/2014.

(5) vanaf 15/9/2014.

(6) vanaf 1/2/2015.

The Management committee has an advisory role on behalf of the Chief Executive Officer and is not an executive committee in the sense of article 524bis of the Belgian Companies Code.

7. Remuneration report

I. Introduction

The Recticel Group's Remuneration policy can be found in the Corporate Governance Charter on the Recticel web site (www.recticel.com).

The Group Remuneration Policy was not amended during the year 2014. There are no changes expected in the next two financial years.

The Board of Directors of the Group has determined the remuneration of the Management Committee (hereafter the "Senior Management" or the "Senior Managers") on recommendation of the Remuneration and Nomination Committee.

In order to assist the Committee in its analysis of the competitive environment in Belgium and Europe, as well as other factors that are necessary for the evaluation of remuneration matters by the committee, the committee can call on the services of internationally acknowledged remuneration consultants.

As such, a compensation benchmarking exercise of the Management Committee members was organised in the second half of 2011 together with Towers Watson.

In line with the recommendation of the Remuneration and Nomination Committee, the Board has reaffirmed the general principles of the Group Remuneration Policy for the year 2015.

Remuneration of the directors

The company's directors are rewarded for their services with a fixed remuneration for the year, as well as a fixed attendance fee per attended meeting. The remuneration is determined by the Board of Directors upon proposal of the Remuneration and Nomination Committee and presented for approval to the General Meeting for the current year. The Chairman of the Board receives a remuneration of 200% of the remuneration specified for other members of the Board.

The General Meeting also decides on the additional remuneration for Board Committee members. The Chairman of the Committees receives a remuneration of 150% of the remuneration specified for other members of the Committee. The level as well as the structure of the remuneration of the directors is reviewed on an annual basis. For 2015, no changes are proposed.

Non-executive directors of the Company receive no remuneration, bonus, or equity-linked, or other incentives from the Company and/or its affiliates except as remuneration for their services as Director to the Company and/or its affiliates. The company will not grant credit, nor maintain credit, nor award credit in the form of a personal loan, nor extend an existing credit, to any member of the Board of Directors.

Remuneration of the Senior Management

The remuneration of the Senior Management is calculated to:

  • ensure that the company can attract, motivate and retain stable talent of a high calibre with great potential, with the view of measuring up to regional and international concurrent;
  • motivate the achievement of board approved objectives, with the view at increasing short, medium and long term shareholder value, and,
  • stimulating, acknowledging and rewarding personal and team performances.

The level as well as the structure of the remuneration of the Senior Management is reviewed annually by the Remuneration and Nomination Committee, which consequently presents a proposal to the Board of Directors for approval.

The remuneration package for Senior Management combines three integrated elements, which together form the "total direct remuneration". These integrated elements are the basic compensation, the annual incentive bonus and the long-term incentives. The company will not grant credit, nor maintain credit, nor award credit in the form of a personal loan, nor extend an existing credit, to any member of the Senior Management.

When determining the remuneration levels for Senior Management, along with the internal factors, the remuneration of executives in multinational companies of similar size and/or similar activities with headquarters in Belgium and neighbouring countries are taken into account. It is the intention to establish remuneration levels that, in general, lie on or around the average market level, for as far as the results of the company allow this.

Evaluation criteria for the bonus remuneration of the executive management

The CEO receives a bonus remuneration based on his performance over the calendar year. This bonus remuneration can amount up to maximum 100% of the annual basic remuneration. The evaluation criteria are based on financial targets linked to certain key performance indicators ("KPI's") in relation to the annual budget and debt level at Group level, as well as non-financial targets linked to the development of the company for the future (for example structure, commercial practices, new products and/or markets, M&A, human resources, compliance, etc.). Achieving a financial target leads to a pay-out of 75% of the maximum for that target. Financial objectives count for 60% of the bonus. Non-financial objectives amount for 40%.The Remuneration Committee makes the evaluation in a private session and discusses the evaluation with the CEO before presenting a proposal to the Board for approval.

The Group General Managers at the head of the four different business lines likewise receive a bonus remuneration based on their performance during the calendar year. Their bonus remuneration can amount up to maximum 50% of their annual basic remuneration. The evaluation criteria are based on financial targets linked to certain KPI's in relation to the annual budget, both at Group level, as at the level of their respective business lines. Financial targets account for 60% of the bonus. Non-financial targets account for 40% linked to the development of the business line for the future (for example structure, commercial practices, new products and/or markets, M&A, human resources, compliance, etc.).

For the support functions within the Management Committee (CFO, General Counsel, Procurement, ICT, HR and R&D), financial targets account for 45% and relate to the Group results, the department budget and/or specific projects. Non-financial targets account for 55% linked to the development of the department for the future (for example structure, new products, M&A, human resources, compliance, etc.). Their bonus remuneration can amount up to maximum 50% of their annual basic remuneration.,

The CEO performs the evaluation of the other members of the Management Committee, and discusses the results of the evaluation with the Remuneration Committee.

With regard to article 520ter of the Companies Code, relating to the need to defer variable remuneration payments over a three year period in case certain thresholds are passed, the Board of Directors had proposed to the 2014 General Shareholder meeting to approve a deviation from the said rule in line with the possibility offered by the legislation, as this principle was only applicable to the Managing Director and CEO, OLIVIER CHAPELLE SPRL/BVBA, as all other members of the Management Committee remained below the 25% threshold, since the calculation is done here on the basis of the total compensation package.

The 2014 General Shareholders' meeting approved this proposal for the year 2014.

The Remuneration Committee and the Board of Directors reviewed again the various possibilities that the legislation offers for its application and finally decided that it would remain in the best interest of the company to keep the variable remuneration payment structure at the same level for all Management Committee members. As the target variable remuneration bonus pay-out for the Managing Director and CEO surpasses the 25% maximum threshold, the Board will hence propose to the 2015 General Shareholders' meeting to approve, as for last year, the said deviation from the principle of a deferral over three years, and hence to allow the full payment of the variable remuneration within one year.

It shall be finally noted that there exists no right of recovery in case the variable remuneration would have been granted based on incorrect financial data.

II. Publication of the remunerations of the directors and the members of the executive management

II.1. Gross remunerations of the directors

Since 2006 directors have received a remuneration of EUR 1,650 per attended meeting, and the Chairman has received double this amount. The members of the Audit Committee received EUR 2,500 per attended meeting and the Chairman EUR 3,750. The members of the Remuneration and Nomination Committee are entitled to EUR 2,500 per year; the Chairman EUR 3,750.

For 2014, a fixed annual consideration was approved and granted for an amount of EUR 9,000 for a director and EUR 18,000 for the Chairman of the Board. For 2015, the proposal to be presented to the General Shareholders' meeting will remain at the same level.

The remuneration of the executive director (Olivier Chapelle SPRL/BVBA) in his capacity as director, as included in the above overview is taken into account for its total compensation package on the basis of its management services agreement.

NAME DIRECTORS
FEES 2014
ATTENDANCE
FEES BOARD OF
DIRECTORS 2014
AUDIT
COMMITTEE
2014
REMUNERATION
AND NOMINATION
COMMITTEE 2014
REMUNERATION
FOR SPECIAL
ASSIGNMENTS
TOTAL
(GROSS)
2014
DAVIGNON Etienne € 18,000.00 € 36,300.00 € 12,500.00 - - € 66,800.00
OLIVIER CHAPELLE BVBA € 9,000.00 € 18,150.00 - - - € 27,150.00
PAQUOT Guy € 2,250.00 € 1,650.00 - - - € 3,900.00
ANDRÉ BERGEN Comm V € 9,000.00 € 14,850.00 € 15,000.00 € 2,500.00 - € 41,350.00
COMPAGNIE DU BOIS SAUVAGE
SERVICES SA
€ 9,000.00 € 16,500.00 - € 2,500.00 - € 28,000.00
COMPAGNIE DU BOIS SAUVAGE SA € 5,365,38 € 11,550.00 - - - € 16,915.38
DE SMEDT Pierre-Alain € 9,000.00 € 16,500.00 - € 3,750.00 - € 29,250.00
ENTREPRISES ET CHEMIN
DE FER EN CHINE SA
€ 5,810.44 € 16,500.00 - - - € 22,310.44
MARION DEBRUYNE BVBA € 9,000.00 € 9,900.00 - € 2,500.00 - € 21,400.00
IMRADA BVBA € 9,000.00 € 11,550.00 - - - € 20,550.00
REVAM BVBA € 9,000.00 € 16,500.00 € 12,500.00 - - € 38,000.00
VAN CRAEN Patrick € 9,000.00 € 18,150.00 € 12,500.00 - - € 39,650.00
ZOETE Jacqueline € 9,000.00 € 18,150.00 - - - € 27,150.00

II.2. Remuneration of the CEO and the other members of the Management Committee

TOTAL COST
FOR THE COMPANY
OLIVIER CHAPELLE SPRL
REPRESENTED
BY OLIVIER CHAPELLE
OF THE MANAGEMENT COMMITTEE OTHER MEMBERS TOTAL
2014 2013 2014 2013 2014 2013
Number of persons 1 1 13 12 14 13
Basic salary € 486,000 € 486,000 € 2,563,853 € 2,769,803 € 3,049,853 € 3,255,803
Variable remuneration € 243,148 € 243,148 € 788,664 € 784,937 € 1,031,812 € 1,028,085
Subtotal € 729,148 € 729,148 € 3,352,517 € 3,554,740 € 4,081,665 € 4,283,888
Pensions - - € 154,660 € 144,341 € 156,660 € 144,341
Other benefits € 60,206 € 71,243 € 281,378 € 268,389 € 341,584 € 339,632
Total € 789,354 € 800,391 € 3,788,555 € 3,967,470 € 4,577,909 € 4,767,861

Remarks:

  • The table above is established in line with the new guidance provided by the Belgian Corporate Governance Committee, meaning that for members with employee status, the gross remuneration is taken, without the employer social contributions, and for members utilising a management company, total remuneration fees invoiced for the year.

  • Variable remuneration means the remuneration earned for the performance over 2014, but which will only be paid out in 2014. The amount of the variable remuneration which has been paid out in 2014, can be found under the exercise year 2013.

  • Members of the Management Committee with an employee status also have a company vehicle (including fuel) and company mobile phone at their disposal. The costs thereof have been included in the above amount of "other benefits". Members of the Management Committee operating through a management company receive no such benefits, though certain costs may be invoiced separately, in which case they are also taken into account in the above overview.

  • With regard to group insurance and pension arrangements, a distinction needs to be made between members being employees, and members operating through a management company. The latter receive no group insurance or pension arrangements.

  • Members of the Management Committee with an employee status employed before 2001 are included in the Recticel Group Defined Benefit Plan. Members hired externally since 2001 are included in the Recticel Group Defined Contribution Plan. The service costs relating thereto have been included in the above overview

II.3. Shares, stock options and other rights to acquire shares

In line with the Corporate Governance Code, the Board of Directors requested the Ordinary General Meeting of May 2013 for approval and obtained said approval for the issue of a stock option plan of maximum up to 480,000 warrants for the senior managers of the Group.

During the year 2013, no stock options or warrants, shares or other rights to acquire shares were allocated to the leading staff members of the Group, due to a closed period. The plan of 2013 was finally issued in April 2014.

This plan relates to 316.000 stock options for a total of 52 managers. The exercise price was fixed on the average share price during the previous 30 days, namely € 6.73 and the exercise period runs from 1 January 2018 till 28 April 2020. The total cost for the Company for this serie 2013 is € 0.846 per share option or € 267.336 in total, spread over 4 years (issue year and three years vesting period).

Under this plan the members of the Management Committee received the following warrants :

NAME NUMBER OF WARRANTS RECEIVED THEORETICAL VALUE
OF WARRANTS AT THE MOMENT
OF THE ATTRIBUTION
Olivier Chapelle 30,000 € 25,380.00
Betty Bogaert 9,900 € 8,375.40
Philipp Burgtorf 9,900 € 8,375.40
Marc Clockaerts 9,900 € 8,375.40
Jean-Pierre De Kesel 9,900 € 8,375.40
Rik De Vos 9,900 € 8,375.40
Jean-Pierre Mellen 9,900 € 8,375.40
Jan Meuleman 7,000 € 5,922.00
François Petit 9,900 € 8,375.40
Dirk Verbruggen 9,900 € 8,375.40
Bart Wallaeys 9,900 € 8,375.40
Paul Werbrouck 9,900 € 8,375.40

Mr. De Vos has left the group on its own initiative at the end of 2014, and thus lost all rights on his warrants.

During the year 2014, no stock options or warrants, shares or other rights to acquire shares were allocated to the members of the Board of Directors.

During 2014, the following stock options were exercised by the members of the Management Committee :

NAME NUMBER OF
WARRANTS
EXERCISED
PLAN
Betty Bogaert 9.900 December 2008
8.500 December 2009
Marc Clockaerts 9.900 December 2008
Jean-Pierre De Kesel 9.900 December 2008
Jean-Pierre Mellen 9.900 December 2008
16.500 December 2009
Bart Wallaeys 9.900 December 2008
16.500 December 2009
Dirk Verbruggen 3.000 December 2008

Shares and warrants held by the members of the Board of Directors and the members of the Management Committee

The total shares and warrants held by the members of the Board of Directors as of 23 April 2015 is :

DIRECTORS SHARES WARRANTS
Etienne Davignon 0 0
Olivier Chapelle BVBA 0 0
Olivier Chapelle (permanent representative) 0 210,000
Entreprises et chemins de fer en Chine SA 158,024 0
Frédéric Van Gansberghe (permanent representative) 0 0
André Bergen Comm. V. 0 0
André Bergen (permanent representative) 0 0
Compagnie du Bois Sauvage Services SA 0 0
Benoit Deckers (permanent representative) 0 0
Compagnie du Bois Sauvage SA 8,358,006 0
Pierre-Yves de Laminne de Bex (permanent representative) 0 0
Marion Debruyne BVBA 0 0
Marion Debruyne (permanent representative) 0 0
Pierre-Alain De Smedt 0 0
Imrada BVBA 0 0
Ingrid Merckx (permanent representative) 0 0
Revam BVBA 2,920 0
Wilfried Vandepoel (permanent representative) 0 0
Patrick Van Craen 2,500 0
Jacqueline Zoete 758,374(1) 0
Johnny Thijs(2) 4,000 0

Notes:

(1) For these 758.374 shares, 745.105 shares are held by SIHOLD NV and 13.269 are held by SICORP NV. Both entities are controlled by Jacqueline ZOETE.

(2) Mr; Johnny Thijs is not yet member of the Board of Directors. The Board of Directors has approved unanimously the recommendation of the Remuneration & Nomination Committee to appoint at the Annual General Meeting of 26 May 2015 Mr. Johnny Thijs as new member of the Board of Directors. Subject to this appointment, the Board of Directors has announced his intention to appoint Mr. Johnny Thijs has new Chairman of the Company.

MEMBERS OF THE MANAGEMENT COMMITTEE SHARES WARRANTS
Ralf Becker 0 0
Betty Bogaert 0 87,800
Philipp Burgtorf 0 19,800
Marc Clockaert 0 90,900
Jean-Pierre De Kesel 7,400 89,300
Jean-Pierre Mellen 0 77,800
Jan Meuleman 0 34,500
François Petit 0 36,300
Dirk Verbruggen 3,242 38,800
Bart Wallaeys 350 79,800
Bart Massant 0 0

The total shares and warrants held by the members of the Management Committee as of 23 April 2015 is:

II.4. Primary contractual assessment of recruitment and departure regulation for the members of the Management committee

Most agreements with the members of the Management Committee contain no specific end of contract regulation. Consequently common labour law is decisive. Some members do have such regulation in proportion to their seniority. Below an overview of the dismissal period and severance pay for each member of the Management Committee. Mr. Rik De Vos, formerly Group General Manager Flexible Foams, left the Recticel Group on his own initiative at the end of 2014 and hence received no several payment.

NAME DISMISSAL PERIOD/SEVERANCE
PAY
COMMENTS
Olivier Chapelle 12 months
Ralf Becker 12 months
Betty Bogaert 12 months Legal minimum - Claeys formula applies until
31/12/2013 - Then new legislation
Philipp Burgtorf 12 months
Marc Clockaerts 3 months
Jean-Pierre De Kesel 18 months Legal minimum - Claeys formula applies until
31/12/2013 - Then new legislation
Bart Massant 6 months 12 months as from September 2015
Jean-Pierre Mellen 15 months
Jan Meuleman 15 months Legal minimum - Claeys formula applies until
31/12/2013 - Then new legislation
François Petit 12 months
Dirk Verbruggen 12 months Legal minimum
Bart Wallaeys 15 months Legal minimum - Claeys formula applies until
31/12/2013 - Then new legislation

8. Transactions and other contractual ties between the Company and affiliated companies and members of the Board of Directors or members of the Management committee

Chapter VII.1. of the Recticel Corporate Governance Charter describes Recticel NV's policy on related party transactions that are not governed by the legal conflict of interest scheme. The application of this policy is explained hereafter.

Commercial transactions, which are mainly the result of a joint product development, occur between the Sioen Group and the Recticel Group.

More specifically, Recticel Group companies booked purchases worth EUR 1,050,774.73 and sales worth EUR 118,104.35 with companies of the Sioen Group during the year 2014.

During 2014, no conflicts of interests arose between a director and the Company as referred to in Articles 523 and 524 of the Belgian Companies Code ,except in the context of the stock option plan edition April 2014 whereby Mr Chapelle a conflict of interest had. The procedure laid down in Article 523 was applied. Reference is made here to the statutory annual report, which contains an extract of the minutes of April 29, 2014 in this regard.

9. Insider trading and market manipulation

The company policy regarding the prevention of insider trading and market manipulation is further explained in chapter VII.2 of Recticel's Corporate Governance Charter.

These measures include the implementation of restrictions on the execution of transactions (« closed periods ») applicable since 2006.

Mr. Dirk VERBRUGGEN was appointed as Compliance Officer, responsible for monitoring the observance of these regulations.

10. Relationships with the reference shareholders and other elements related to possible public takeover bids

Here follows the overview of the shareholders who, under the statutes of the law, have addressed a notification to the company and to the FSMA:

Name DATE OF
NOTIFICATION
NUMBER OF SHARES % OF VOTING RIGHTS
ATTACHED TO SHARES
(EXCLUDING SHARES HELD
BY RECTICEL)
% OF VOTING RIGHTS
ATTACHED TO SHARES
(INCLUDING SHARES HELD
BY RECTICEL)
Compagnie du Bois Sauvage SA (3) 2 September 2014 8,358,006 28.49% 28.18%
Entreprises Chemins de Fer en Chine SA (3) 2 September 2014 158,024 0.54% 0.53%
Total Compagnie du Bois Sauvage SA 8,516,030 29.03% 28.71%
Capfi Delen Asset Management NV 16 April 2012 905,201 3.08% 3.05%
BNP Paribas Investment Partners UK Ltd 1 July 2014 882,424 3.01% 2.97%
Petercam 12 December 2014 884,926 3.02% 2.98%
Public N/A 18,151,875 61.57% 60.89%
Total (excluding treasury Shares) 29,340,456 100% (4) 98.90%
Treasury Shares N/A 326,800 1.10%
Total (including treasury Shares) 29,667,256 100% (4)

Notes:

(1) The percentage of voting rights is calculated on the basis of the 29,667,256 existing Shares as at 31 March 2015. The calculation is adjusted to take into account that the voting rights attached to the 326,800 own Shares held by the Company are suspended by operation of law.

(2) The percentage of voting rights is calculated on the basis of the 29,667,256 existing Shares as at 31 March 2015 (including the own Shares held by the Company).

(3) For the purposes of their transparency declaration dated 2 September 2014, Compagnie du Bois Sauvage SA and Entreprises et Chemins de Fer en Chine SA included the 326,800 own Shares held by the Company in the number of Shares controlled by them, given that they are deemed to be acting in concert with the Company for the purposes of the applicable transparency disclosure rules.

(4) Due to rounding, the sum of the percentages of voting rights included in this table may not exactly amount to 100%.

The capital structure, with the number of shares, strips, convertible bonds and warrants of the company can be found in the chapter "Information on the Share" on the Recticel website (www.recticel.com).

There are no legal or statutory limitations on transfer of securities. There are no securities with special control rights. There is no mechanism for the control of any employee share scheme. There are no legal or statutory restrictions on the exercise of voting rights, for as far as the shareholder is legally represented at the Ordinary General Meeting, and his/her voting rights have not been suspended for any reason.

In accordance with the powers granted at the extraordinary general meeting on 28 May 2013, and incorporated in article 6 of the Statute, the Board of Directors have certain powers to issue new shares, convertible bonds, bonds or subscription rights, with or without preferential rights, and offering these to shareholders or other persons, with restriction of the preferential right, under the Companies Code. In this way the Board of Directors can, via the authorized capital, increase the subscribed capital in all possible ways. The authorization is valid for a period of three years, and can be renewed following the applicable legal rules. It may even be exercised after receipt of the notice given by FSMA that a notice of public takeover was submitted.

Under article 15 of the articles of association, the Company is entitled to acquire or dispose of shares in the Company, without a decision by the general meeting, if this acquisition is necessary in order to avoid an imminent and serious harm to the company under article 620 or 622 of the Belgian Companies Code.

There are no agreements between the Company and its directors or employees that would provide for compensations after a public takeover bid, the directors resigning or departing without any valid reason, or the employment of the employees being terminated.

The following agreements, whereby the company is party, contain the clauses that take effect, undergo changes or end, in the event of a change of control over Recticel SA/NV:

  • The Facility Agreement signed on 9 December 2011 between Recticel SA/NV and Recticel International Services Sa/NV on the one hand, and Fortis Bank SA/NV, ING Belgium SA/NV, Commerzbank Aktiengesellschaft Filiale Luxemburg and KBC Bank NV, on the other hand, for an amount of EUR 175,000,000, where, in the event of a change of control, the credit becomes redeemable;
  • The conditions of the 1,150 convertible bonds of EUR 50,000, for a total amount of EUR 57,500,000, issued on 11 July 2007, and providing a put option for the bond holders and an amendment of the conversion prices, in the event of a change of control over Recticel SA/ NV.

These clauses were specifically approved by Recticel's General Shareholder Meeting.

6 > Lexicon

General concepts

Blowing agent Carbon dioxide is produced from the reaction of isocyanate and water. This
gas functions as blowing agent in the production of flexible foam.
Catalyst Accelerates the reaction process and ensures the balance in the
polymerization and the blowing. Catalysts determine the foaming speed of
the process.
Dodecahedron A regular dodecahedron or a spatial figure with 12 pentagonal faces, 20
end points and 30 edges. This is one of the five regular polyhedra in three
dimensions.
Colo-Fast® Aliphatic polyurethane that is distinguished by its colour fastness (light
stable).
Colo-Sense® Variation of Colo-Fast®.
Frequency rate of indus
trial accidents
Time cost of industrial accidents per million working hours.
IDC Is short for International Development Centre, the department for
international research and development of the Recticel Group.
Isocyanate Highly reactive substance that easily combines with other substances (such
as alcohols). The structure of these alcohols determines the hardness of the
PU-foam.
Lambda Expression of the thermal conductivity of thermal insulation.
MDI Is short for Methylene diphenyl diisocyanate.
PIR Abbreviation for polyisocyanurate.
Polyisocyanurate Is an improved version of polyurethane. PIR-foam has an improved
dimensional stability, excellent mechanical properties such as compressive
strain and is a much stronger fire retardant. PIR is mainly used as thermal
insulation.
Polyol Synonym for PU polyalcohol, which is acquired from propylene oxide.
Polyurethane Represents an important group of products within the large family of
polymers or plastics. Polyurethane is a generic term for a wide range of foam
types.
PU or PUR Polyurethane.
REACH Is a system for Registration, Evaluation and Authorization of Chemical
substances that are produced or imported in the European Union. This
regulation came into force on 01 June 2007.
Stabilizers Provides the homogeneous structure and the stabilization of the cellular
network up to the complete rise of the foam in the reaction process.
Severity index of accidents Number of calendar days lost per thousand working hours.
TDI Toluene diphenyl diisocyanate.

Financial concepts

Appropriated capital Net intangible fixed assets + goodwill + tangible fixed assets + working
capital.
Average = [Appropriated capital at the end of last year + Appropriated
capital at the end of the last period] / 2.
Appropriated capital,
Average
Half yearly: average appropriated capital at
the beginning and at the end of the period.
Average = [Appropriated capital at the end of last year
+ Appropriated capital at the end of the last period] / 2.
For the full year: average of the half yearly averages.
Associated companies Entities in which Recticel has a significant influence and that are processed
using the equity-method.
CGU Is short for Cash Generating Unit or cash flow generating unit.
Combined figures Figures including Recticel's pro rata share in the joint ventures, after
elimination of intercompany transactions, in accordance with the
proportional consolidation method.
Consolidated figures Figures following the application of IFRS 11, whereby Recticel's joint
ventures are integrated on the basis of the equity method.
Earnings per share, base Net result for the period (Group share) / Average outstanding shares over
the period.
Earnings per share, diluted Net result for the period (Group share) / [Average number of outstanding
shares over the period – own shares + (number of possible new shares that
have to be issued within the framework of the existing outstanding stock
option plans x dilution effect of the stock option plans)].
EBIT Operating results + profit or loss from equities.
EBITDA EBIT + depreciation and additional impairments/increases on assets.
Equity capital Total equity, including minority interests.
Gearing ratio Net financial debt / Total equity (including shares of external parties).
Investments Capitalized investments in tangible and intangible assets.
Joint ventures Entities that are controlled jointly and that are consolidated proportionately.
Following the early adaption of IFRS 11 since 2013, these participations are
consolidated following the equity method.
Market capitalization Closing price x total number of outstanding shares.
Net financial debt Interest bearing financial debts at more than one year + interest bearing
financial debts within maximum one year – cash and cash equivalents -
Available for sale investments + Net marked-to-market value position of
hedging derivative instruments.
Non-recurring elements Non-recurring elements include operating revenues, expenses and
provisions that pertain to restructuring programmes (redundancy payments,
closure & clean-up costs, relocation costs,), reorganisation charges and
onereous contracts, impairments on assets ((in)tangible assets and goodwill),
revaluation gains or losses on investment property, gains or losses on
divestments of non-operational investment property, and on the liquidation
of investments in affiliated companies, gains or losses on discontinued
operations, revenues or charges due to important (inter)national legal issues.
Recurring EBIT(DA)
or REBIT(DA)
EBIT(DA) before non-recurring elements.
Return on Capital
Employed
EBIT / average appropriated capital.
Return on Equity (ROE) Net result for the period (share of the Group) / Average total equity over the
period (the Group's share).
ROCE Represents Return on Capital Employed.
Subsidiaries Fully consolidated entities under Recticel control.
Working capital Inventories + trade receivables + other receivables + recoverable taxes -
trade payables - payable taxes - other commitments.

> Financial Report

Consolidated financial statements a � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 76
I.1. Consolidated income statement � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 76
I.2. Earnings per share� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 76
I.3. Consolidated statement of comprehensive income� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 77
I.4. Consolidated balance sheet� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �78
I.5. Consolidated cash flow statement � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �79
I.6. Statement of changes in shareholders' equity� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �81
Notes to the consolidated financial statements for the year ending 31 December 2014 a � � � 82
II.1. Summary of significant accounting policies� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 82
II.1.1. Statement of compliance – basis of preparation� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 82
II.1.2. General principles� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 82
II.1.3. Balance sheet items� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 85
II.1.4. Revenue recognition� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 89
II.1.5. Critical accounting assessments and principal sources of uncertainty� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 90
II.2. Changes in scope of consolidation � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 93
II.3. Business and geographical segments� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 93
II.3.1. Business segments� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 93
II.3.2. Geographical information � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 98
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II.6.10.
Pensions and similar obligations� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 125
Provisions � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 129
Interest-bearing borrowings� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 130
Other amounts payable � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �133
II.5.20. Obligations under financial leases� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �133
Financial instruments and financial risks� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 134
II.5.22. Trade and other payables� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 142
Business combinations and disposals� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 142
II.5.24. Capital structure management� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 142
Miscellaneous� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 143
Operating lease arrangements� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 143
Other off-balance sheet items� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 143
Share-based payments� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 143
Events after the balance sheet date � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 145
Related party transactions� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 145
Remuneration of the Board of Directors and of the Management Committee � � � � � � � � � � � � � � � � � � � � � � �146
Exchange rates� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �147
Staff� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �147
Audit and non-audit services provided by the statutory auditor� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �148
Contingent assets and liabilities� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �148
Recticel s.a./n.v. – General information� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �150
Recticel s.a./n.v. – Condensed statutory accounts� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �151
Declaration by responsible officers a� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �153
Auditor's report on the consolidated financial statements for the year
ending 31 December 2014 a
� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �154
Comparable overview of the consolidated financial statements (2005-2014)� � � � � � � � � � � � � � � � � � � � � � � � �156
Risk factors and risk management a � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �158

I. Consolidated financial statements

The consolidated financial statements have been authorised for issue by the Board of Directors on 26 February 2015.

I.1. Consolidated income statement

in thousand EUR
Group Recticel NOTES* 2014 2013
Sales II.3. 983 367 976 763
Distribution costs (54 135) (52 934)
Cost of sales (757 025) (756 916)
Gross profit 172 207 166 913
General and administrative expenses (72 299) (74 397)
Sales and marketing expenses II.4.1. (73 257) (64 532)
Research and development expenses (13 277) (14 177)
Impairments (688) (3 365)
Other operating revenues (1) 11 653 9 344
Other operating expenses (2) (24 520) (41 110)
Other operating result (1)+(2) II.4.2. (12 867) (31 766)
Income from joint ventures and associates II.5.7. 8 964 439
EBIT II.4.3. 8 783 (20 885)
Interest income 608 758
Interest expenses (10 639) (10 163)
Other financial income 8 473 11 467
Other financial expenses (11 272) (13 407)
Financial result II.4.4. (12 830) (11 345)
Result of the period before taxes (4 047) (32 230)
Current income taxes II.4.5. (2 675) (2 916)
Deferred taxes II.4.5. (3 027) (992)
Result of the period after taxes (9 749) (36 138)
of which non-controlling interests 0 0
of which share of the Group (9 749) (36 138)

* The accompanying notes are an integral part of this income statement.

I.2. Earnings per share

in EUR
Group Recticel NOTES * 2014 2013
Basic earnings per share II.4.7. (0.34) (1.27)
Diluted earnings per share II.4.8. (0.34) (1.27)

I.3. Consolidated statement of comprehensive income

in thousand EUR
Group Recticel NOTES * 2014 2013
Result for the period after taxes (9 749) (36 138)
Other comprehensive income
Items that will not subsequently be recycled to profit and loss
Actuarial gains and losses on employee benefits (10 323) (4 010)
Deferred taxes on actuarial gains and losses on employee benefits 429 117
Total (9 894) (3 893)
Items that subsequently may be recycled to profit and loss
Hedging reserves (298) 2 203
Available for sale investments (32) (16)
Currency translation differences 1 668 (6 072)
Foreign currency translation reserve difference recycled in the income statement (137) 110
Deferred taxes on hedging interest reserves 79 (749)
Total 1 280 (4 524)
Other comprehensive income net of tax (8 614) (8 417)
Total comprehensive income for the period (18 363) (44 555)
Total comprehensive income for the period (18 363) (44 555)
of which attributable to non-controlling interests 0 0
of which attributable to the owners of the parent (18 363) (44 555)

For more details of other comprehensive income from Interests in Joint Ventures and Associates, see II.5.7.

I.4. Consolidated balance sheet

in thousand EUR
Group Recticel NOTES * 31/12/14 31/12/13
Intangible assets II.5.1. 12 384 11 954
Goodwill II.5.2. 24 949 24 610
Property, plant & equipment II.5.3.& II.5.4. 202 733 204 614
Investment property II.5.5. 3 306 3 330
Interests in joint ventures and associates II.5.7. 73 644 72 507
Other financial investments 160 161
Available for sale investments 771 275
Non-current receivables II.5.8. 13 373 10 973
Deferred tax II.4.5. 46 834 48 929
Non-current assets 378 154 377 353
Inventories and contracts in progress II.5.9. & II.5.10. 96 634 94 027
Trade receivables II.5.11. 78 109 64 516
Other receivables II.5.11. 49 597 46 358
Income tax receivables II.4.5. 504 3 851
Other investments 75 60
Cash and cash equivalents II.5.12. 26 163 26 237
Disposal group held for sale II.5.13. 8 569 0
Current assets 259 651 235 049
Total assets 637 805 612 402

* The accompanying notes are an integral part of this balance sheet.

in thousand EUR
Group Recticel NOTES * 31/12/14 31/12/13
Capital II.5.14. 74 161 72 368
Share premium II.5.15. 108 568 107 042
Share capital 182 729 179 410
Treasury shares (1 735) (1 735)
Retained earnings 1 768 27 364
Hedging and translation reserves (16 599) (18 279)
Equity - share of the Group 166 163 186 760
Non-controlling interests 0 0
Total equity 166 163 186 760
Pensions and similar obligations II.5.16. 54 548 44 557
Provisions II.5.17. 7 301 8 149
Deferred tax II.4.5. 8 907 8 203
Bonds and notes II.5.18. 26 037 0
Financial leases II.5.20. 15 057 18 113
Bank loans II.5.18. 99 240 78 850
Other loans 1 801 1 871
Interest-bearing borrowings II.5.18. 142 135 98 834
Other amounts payable II.5.19. 6 810 444
Non-current liabilities 219 701 160 187
Pensions and similar obligations II.5.16. 2 205 1 809
Provisions II.5.17. 4 687 6 732
Bonds and notes 0 25 536
Other loans 52 798 40 645
Interest-bearing borrowings II.5.18. 52 798 66 181
Trade payables II.5.22. 96 373 81 720
Income tax payables II.4.5. 414 3 086
Other amounts payable II.5.22. 95 464 105 927
Current liabilities 251 941 265 455
Total liabilities 637 805 612 402

* The accompanying notes are an integral part of this balance sheet.

I.5. Consolidated cash flow statement

in thousand EUR
Group Recticel NOTES * 2014 2013
EARNINGS BEFORE INTEREST AND TAXES (EBIT) II.4.3. 8 783 (20 886)
Amortisation of intangible assets II.5.1. 2 490 2 721
Depreciation of tangible assets II.5.3. 23 740 27 283
Amortisation of deferred long term and upfront payment II.4.3. 1 092 1 168
Impairment losses on intangible assets 5 109
Impairment losses on tangible assets II.5.3. 683 3 256
Write-offs on assets 1 948 1 061
Changes in provisions (3 718) (730)
Fair value gains 0 800
(Gains) / Losses on disposals of assets (489) (1 715)
Income from joint ventures and associates (8 962) (439)
GROSS OPERATING CASH FLOW BEFORE WORKING CAPITAL MOVEMENTS 25 571 12 628
Inventories (2 090) (5 472)
Trade receivables (15 590) 10 388
Other receivables (2 760) 709
Trade payable 19 444 (11 791)
Other payable (19 385) 20 467
Trade and other long term debts and debt maturing <1 year 13 334 0
Changes in working capital (7 047) 14 302
Income taxes paid (1 926) (2 033)
NET CASH FLOW FROM OPERATING ACTIVITIES (a) 16 598 24 897
Interests received 407 574
Dividends received 256 7 287
New investments and subscriptions to capital increases 0 0
(Increase) / Decrease of loans and receivables (1 118) (3 371)
Investments in intangible assets II.5.1. (3 422) (3 558)
Investments in property, plant and equipment II.5.3. (28 984) (12 610)
Acquisitions of subsidiaries 0 0
Acquisitions of own shares 0 (1 735)
Investment in associates (255) 0
Disposals of intangible assets II.5.1. 391 0
Disposals of property, plant and equipment II.5.3. 844 4 926
Disposals of investments in subsidiaries 182 0
Disposals of investments in associates 0 2
(Increase) / Decrease of investments available for sale (16) (15)
NET CASH FLOW FROM INVESTMENT ACTIVITIES (b) (31 714) (8 500)
Interests paid (1) (9 869) (7 784)
Dividends paid (2) (5 797) (8 424)
Increase (Decrease) of capital (3) 3 319 68
Increase of financial debt (4) 27 260 7 529
(Decrease) of financial debt (5) 0 0
NET CASH FLOW FROM FINANCING ACTIVITIES (c)=(1)+(2)+(3)+(4)+(5) 14 914 (8 611)
Effect of exchange rate changes (d) 129 64
Effect of changes in scope of consolidation and of foreign currency translation reserves recycled (e) 0 (147)
CHANGES IN CASH AND CASH EQUIVALENTS (a)+(b)+(c)+(d)+(e) (74) 7 704
Net cash position opening balance 26 237 18 533
Net cash position closing balance 26 163 26 237
CHANGES IN CASH AND CASH EQUIVALENTS (74) 7 704
NET FREE CASH FLOW (a)+(b)+(1) (24 985) 8 613
For the investment/disposal activities, only the cash payment and cash receipts have been reported as stipulated under IAS 7.

* The accompanying notes are an integral part of this cash flow statement.

Notes to the consolidated cash flow statement

The gross operating cash flow before working capital movements increased from EUR 12.6 million to EUR 25.6 million, or +102.5% compared to 2013. The variance is primarily the result of:

  • (i) EUR 29.7 million higher EBIT, explained by:
  • a significantly lower impact from fines paid (EUR -8.2 million – relating to the German Federal Cartel Office settlement-, compared to EUR -27.0 million in 2013 relating to the total EC settlement –, including the pro rata share in the joint ventures).
  • lower restructuring provisions (EUR -7.7 million compared to EUR -14.8 million in 2013)
  • (ii) corrective non-cash items of EUR -16.8 million, of which:
  • EUR -6.5 million for depreciation, amortization and impairments
  • EUR -8.5 million relating to the higher contribution from joint ventures and associates (EUR 9.0 million versus EUR 0.4 million in 2013)
  • EUR -1.7 million for provisions, write-offs, fair value gains and losses on disposal of assets

The net cash flow from operating activities deteriorated by EUR 8.3 million to EUR 16.6 million, or -33.3% compared to 2013, despite a substantially higher gross operating cash flow (EUR +12.6 million). Increased net working capital needs, essentially due to the lower outstanding amount of 'other payables', are the main reason for the deterioration (EUR -21.2 million).

The main operating working capital elements which influenced this variance are:

  • (i) EUR -2.1 million due to higher inventories
  • (ii) EUR -15.6 million due to higher trade receivables
  • (iii) EUR -2.8 million due to higher other receivables, explained by the settlement of a claim in Switzerland, which amount was yet not collected (EUR -2.1 million)
  • (iv) EUR +19.4 million higher trade payables
  • (v) EUR +0.7 million other payables, excluding the EC fine (EUR -6.7 million)
  • (vi) EUR -6.7 million: The negotiation on the payment of the EC fine, which in 2013 was booked under the heading 'Other payables – short term', lead to a partial reclassification of the other payables to the heading 'Other payables - long term' (EUR +13.4 million), resulting from the payment terms negotiation of the EC fine. Besides the 'Other payables – short term' were impacted by the effective payment of the first tranche (EUR -6.7 million) of the EC fine in 2014.
  • (vii) EUR -1.9 million income taxes paid, excluding deferred taxes.

The net cash flow from investment activities amounted to EUR -31.7 million versus EUR -8.5 million in 2013. Net cash outlays for investments in property, plant & equipment (EUR -29.0 million versus EUR -12.6 million in 2013) increased significantly. EUR 0.8 million has been generated from the disposal of fixed assets, compared to EUR 4.9 million in 2013.

The cash flow from financing activities amounts to EUR +14.9 million versus EUR –8.6 million in 2013. Interests payments increased (EUR –9.9 million versus EUR –7.8 million in 2013) and the dividend paid was reduced (EUR -5.8 million versus EUR -8.4 million in 2013). The share capital increased by EUR 3.3 million in 2014 following the exercise of warrants.

Gross financial debt increased by a net amount of EUR 27.3 million in 2014. This gross debt increase, in combination with the above cash flow items, exchange rate changes and changes in the scope of consolidation, resulted in a stable 'cash and cash equivalents' position (EUR -0.07 million).

The net free cash flow resulting from (i) the net cash flow from operating activities (EUR +16.6 million) (ii) the net cash flow from investment activities (EUR –31.7 million) and (iii) the interests paid (EUR –9.9 million), amounts to EUR -25.0 million, compared to EUR +8.6 million in 2013.

I.6. Statement of changes in shareholders' equity

For the year ending 2014

in thousand EUR
Group Recticel CAPITAL SHARE PREMIUM TREASURY SHARES INVESTMENT
REVALUATION RESERVE
ACTUARIAL
GAINS AND LOSSES
(IAS 19R)
IFRS 2 OTHER CAPITAL
RESERVES
RETAINED
EARNINGS
TRANSLATION
DIFFERENCES RESERVES
HEDGING
RESERVES
TOTAL SHAREHOLDERS'
EQUITY
NON-
CONTROLLING INTERESTS
TOTAL EQUITY,
NON-CONTROL-
LING INTERESTS INCLUDED
At the end of the period
(31 December 2013)
72 368 107 042 (1 735) (16) (9 535) 2 811 34 103 (12 080) (6 199) 186 760 0 186 760
Dividends 0 0 0 0 0 0 (5 724) 0 0 (5 724) 0 (5 724)
Stock options (IFRS 2) 0 0 0 0 0 171 0 0 0 171 0 171
Capital movements 1 793 1 526 0 0 0 0 0 0 0 3 319 0 3 319
Shareholders' movements 1 793 1 526 0 0 0 171 (5 724) 0 0 (2 234) 0 (2 234)
Profit or loss of the period 0 0 0 0 0 0 (9 749) 0 0 (9 749) 0 (9 749)
Other comprehensive
income
0 0 0 (32) (10 262) 0 0 2 036 (356) (8 614) 0 (8 614)
At the end of the period
(31 December 2014)
74 161 108 568 (1 735) (48) (19 797) 2 982 18 631 (10 044) (6 555) 166 163 0 166 163

For the year ending 2013

in thousand EUR
Group Recticel CAPITAL SHARE
PREMIUM
TREASURY
SHARES
INVESTMENT
REVALUATION
RESERVE
ACTUARIAL
GAINS AND
LOSSES
(IAS 19R)
IFRS 2 OTHER
CAPITAL
RESERVES
RETAINED
EARNINGS
TRANSLATION
DIFFERENCES
RESERVES
HEDGING
RESERVES
TOTAL
SHAREHOLDERS'
EQUITY
NON
CONTROLLING
INTERESTS
TOTAL EQUITY,
NON-CONTROL
LING INTERESTS
INCLUDED
At the end of the preceding
period (31 December 2012 -
as published)
72 329 107 013 0 0 0 2 562 92 447 (5 964) (7 763) 260 624 0 260 624
Changes in accounting policies 0 0 0 0 (5 597) 0 (13 849) (89) 0 (19 535) 0 (19 535)
At the end of the
preceding period (31
December 2012 - restated
for IAS 19R)
72 329 107 013 0 0 (5 597) 2 562 78 598 (6 053) (7 763) 241 090 0 241 090
Dividends 0 0 0 0 0 0 (8 357) 0 0 (8 357) 0 (8 357)
Stock options (IFRS 2) 0 0 0 0 0 249 0 0 0 249 0 249
Capital movements 39 29 (1 735) 0 0 0 0 0 0 (1 667) 0 (1 667)
Shareholders' movements 39 29 (1 735) 0 0 249 (8 357) 0 0 (9 775) 0 (9 775)
Profit or loss of the period 0 0 0 0 0 0 (36 138) 0 0 (36 138) 0 (36 138)
Other comprehensive
income
0 0 0 (16) (3 938) 0 0 (6 027) 1 564 (8 417) 0 (8 417)
At the end of the period
(31 December 2013)
72 368 107 042 (1 735) (16) (9 535) 2 811 34 103 (12 080) (6 199) 186 760 0 186 760

II. Notes to the consolidated financial statements for the year ending 31 December 2014

II.1. Summary of significant accounting policies

II.1.1. Statement of compliance - basis of preparation

Recticel SA/NV (the ''Company'') is a limited company domiciled in Belgium. The Company's consolidated financial statements include the financial statements of the Company, its subsidiaries, interests in jointly controlled entities (joint ventures) and in associates, both accounted for under the equity method (together referred to as ''the Group'').

The consolidated financial statements have been prepared in accordance with International Financial Reporting Standards (IFRS) as endorsed by the European Union.

In the current year, the Group has adopted all of the new and revised Standards and Interpretations issued by the International Accounting Standards Board (the IASB) and the International Financial Reporting Interpretations Committee (the IFRIC) of the IASB that are relevant to its operations and effective for annual reporting periods beginning on 1 January 2014, all of which were endorsed by the European Union.

Recticel adopted the following standards as from 1 January 2013 (early adoption):

  • IFRS 10 Consolidated Financial Statements
  • IFRS 11 Joint Arrangements
  • IFRS 12 Disclosures of Interests in Other Entities
  • IAS 28 Investments in Associates and Joint Ventures

Standards and interpretations applicable for the annual period beginning on 1 January 2014:

  • Amendments to IAS 32 Financial Instruments: Presentation – Offsetting Financial Assets and Financial Liabilities (applicable for annual periods beginning on or after 1 January 2014)
  • Amendments to IAS 36 Impairment of Assets Recoverable Amount Disclosures for Non-Financial Assets (applicable for annual periods beginning on or after 1 January 2014)
  • Amendments to IAS 39 Financial Instruments Novation of Derivatives and Continuation of Hedge Accounting (applicable for annual periods beginning on or after 1 January 2014)

Standards and interpretations applicable for the annual period beginning on 1 January 2014:

  • IFRS 9 Financial Instruments and subsequent amendments (applicable for annual periods beginning on or after 1 January 2018 but not yet endorsed in the EU)
  • IFRS 15 Revenue from Contracts with Customers (applicable for annual periods beginning on or after 1 January 2017, but not yet endorsed in EU). The Company is in the process of assessing the impact of the initial application of IFRS 15.
  • Improvements to IFRS (2010-2012) (applicable for annual periods beginning on or after 1 February 2015)
  • Improvements to IFRS (2011-2013) (applicable for annual periods beginning on or after 1 January 2015)
  • Improvements to IFRS (2012-2014) (applicable for annual periods beginning on or after 1 July 2014, but not yet endorsed in the EU)
  • Amendments to IFRS 11 Joint Arrangements Accounting for Acquisitions of Interests in Joint Operations (applicable for annual periods beginning on or after 1 January 2016, but not yet endorsed in EU)
  • Amendments to IAS 1 Presentation of Financial Statements – Disclosure Initiative (applicable for annual periods beginning on or after 1 January 2016, but not yet endorsed in EU)
  • Amendments to IAS 16 and IAS 41 Agriculture: Bearer Plants (applicable for annual periods beginning on or after 1 January 2016, but not yet endorsed in EU)
  • Amendments to IAS 19 Employee Benefits Employee Contributions (applicable for annual periods beginning on or after 1 February 2015)
  • IFRIC 21 Levies (applicable for annual periods beginning on or after 17 June 2014). Based on its current assessment, the Group believes that several levies will no longer be allowed to be spread over the calendar year, as the obligating event occurs at a specific point in time and after which the Group can no longer avoid the outflow of economic benefit by its own actions. This might impact the Group's half-year reporting.

II.1.2. General principles

Currency of accounts

The financial statements are presented in thousand euro (EUR) (unless specified otherwise), which is the currency of the primary economic environment in which the Group operates. The financial statements of foreign operations are translated in accordance with the policies set out below under 'Foreign Currencies'.

Historical cost convention

The financial statements have been prepared on the historical cost basis, except as disclosed in the accounting policies below. Investments in equity instruments which are not quoted in an active market and whose fair value cannot be reliably measured by alternative valuation methods are carried at cost.

Foreign currencies

Transactions in currencies other than EUR are accounted for at the exchange rates prevailing at the date of the transactions. At each balance sheet date, monetary assets and liabilities that are denominated in foreign currencies are translated at closing rate. Non-monetary assets and liabilities carried at fair value and denominated in foreign currencies are translated at the exchange rates prevailing at the date the fair value was determined. Gains and losses resulting from such translations are recognised in the financial result of the income statement, except when deferred in equity.

For purposes of presenting consolidated financial statements, the assets and liabilities of the Group's foreign operations are translated at closing rate. Income and expenses are translated at the average exchange rates for the period unless exchange rates fluctuate significantly. Resulting exchange differences are recognised in other comprehensive income and accumulated in equity (attributed to non-controlling interests as appropriate). On disposal of a foreign operation (i.e. a disposal of the Group's entire interest in a foreign operation, or a disposal involving loss of control over a subsidiary that includes a foreign operation, a disposal involving loss of joint control over a jointly controlled entity that includes a foreign operation, or a disposal involving loss of significant influence over an associate that includes a foreign operation), exchange differences accumulated in equity are recognised in the income statement.

In addition, in relation to a partial disposal of a subsidiary that does not result in the Group losing control over the subsidiary, the proportionate share of accumulated exchange differences are reattributed to non-controlling interests and are not recognised in profit or loss. For all other partial disposals (i.e. partial disposals of associates or jointly controlled entities (joint ventures) that do not result in the Group losing significant influence or joint control), the proportionate share of the accumulated exchange differences is reclassified to profit or loss.

Goodwill and fair value adjustments arising on the acquisition of a foreign entity are treated as assets and liabilities of the foreign entity and translated at the closing rate.

Consolidation principles

Consolidated financial statements include subsidiaries and interests in jointly controlled entities (joint ventures) and associates accounted for under the equity method.

Consolidated financial statements are prepared using uniform accounting policies for like transactions and other events in similar circumstances.

All intra-group transactions, balances, income and expenses are eliminated in consolidation.

• Subsidiaries

Subsidiaries are entities that are controlled directly or indirectly. Control is the power to govern the financial and operating policies of an entity so as to obtain benefits from its activities. Consolidation of subsidiaries starts from the date Recticel controls the entity until the date such control ceases.

Changes in the Group's interest in a subsidiary that do not result in a loss of control are accounted for as equity transactions. The carrying amounts of the Group's interests and the non-controlling interests are adjusted to reflect the changes in their relative interests in the subsidiary. Any difference between the amount by which the non-controlling interests are adjusted and the fair value of the consideration paid or received is recognized directly in equity.

However, when the Group loses control of a subsidiary, the profit or loss on disposal is calculated as the difference between (i) the aggregate of the fair value of the consideration received and the fair value of any retained interest and (ii) the previous carrying amount of the assets (including goodwill) and liabilities of the subsidiary and any non-controlling interests. Amounts previously recognized in other comprehensive income in relation to the subsidiary are accounted for (i.e. reclassified to profit or loss or transferred directly to retained earnings) in the same manner as would be required if the relevant assets or liabilities were disposed of. The fair value of any investment retained in the former subsidiary at the date when control is lost is regarded as the fair value on initial recognition for subsequent accounting under IAS 39 Financial Instruments: Recognition and Measurement or, when applicable, the cost on initial recognition of an investment in an associate or jointly controlled entity.

• Jointly controlled entities

IFRS 11 replaces IAS 31 Interests in Joint Ventures, and the guidance contained in a related interpretation, SIC-13 Jointly Controlled Entities – Non-Monetary Contributions by Venturers, has been incorporated in IAS 28 (as revised in 2011). IFRS 11 deals with how a joint arrangement of which two or more parties have joint control should be classified and accounted for. Under IFRS 11, there are only two types of joint arrangements – joint operations and joint ventures. The classification of joint arrangements under IFRS 11 is determined based on the rights and obligations of parties to the joint arrangements by considering the structure, the legal form of arrangements, the contractual terms agreed by the parties to the arrangement, and, when relevant, other facts and circumstances. A joint operation is a joint arrangement whereby the parties that have joint control of the arrangement (i.e. joint operators) have rights to the assets, and obligations for the liabilities, relating to the arrangement. A joint venture is a joint arrangement whereby the parties that have joint control of the arrangement (i.e. joint ventures) have rights to the net assets of the arrangement. Previously, IAS 31 contemplated three types of joint arrangements – jointly controlled entities, jointly controlled operations and jointly controlled assets. The classification of joint arrangements under IAS 31 was primarily determined based on the legal form of the arrangement (e.g. a joint arrangement that was established through a separate entity was accounted for as a jointly controlled entity).

The initial and subsequent accounting of joint ventures and joint operations is different. Investments in joint ventures are accounted for using the equity method (proportionate consolidation is no longer allowed). Investments in joint operations are accounted for such that each joint operator recognises its assets (including its share in any assets jointly held), its liabilities (including its share of any liabilities incurred jointly), its revenue (including its share of revenue from the sale of the output by the joint operation) and its expenses (including its share of any expenses incurred jointly). Each joint operator accounts for the assets and liabilities, as well as revenues and expenses, relating to its interest in the joint operation in accordance with the applicable Standards.

The directors of the Group reviewed and assessed the classification of the Group's investments in joint arrangements in accordance with the requirements of IFRS 11. The directors concluded that the Group's investments in Eurofoam, in Proseat and in Kingspan Tarec Industrial Insulation, which were classified as a jointly controlled entity under IAS 31 and was accounted for using the proportionate consolidation method, should be classified as a joint venture under IFRS 11 and accounted for using the equity method.

• Joint Ventures and Associates

The results and assets and liabilities of joint ventures and associates are incorporated in these consolidated financial statements using the equity method of accounting, except when the investment is classified as held for sale, in which case it is accounted for in accordance with IFRS 5 Non-current Assets Held for Sale and Discontinued Operations. Under the equity method, an investment in a joint venture and an associate is initially recognised in the consolidated statement of financial position at cost and adjusted thereafter to recognise the Group's share of the profit or loss and other comprehensive income of the venture and the associate. When the Group's share of losses of a venture and an associate exceeds the Group's interest in that joint venture and associate (which includes any long-term interests that, in substance, form part of the Group's net investment in the joint venture and associate), the Group discontinues recognising its share of further losses. Additional losses are recognised only to the extent that the Group has incurred legal or constructive obligations or made payments on behalf of the joint venture and associate.

Any excess of the cost of acquisition over the Group's share of the net fair value of the identifiable assets, liabilities and contingent liabilities of a joint venture and an associate recognised at the date of acquisition is recognised as goodwill, which is included within the carrying amount of the investment. Any excess of the Group's share of the net fair value of the identifiable assets, liabilities and contingent liabilities over the cost of acquisition, after reassessment, is recognised immediately in profit or loss.

The requirements of IAS 39 are applied to determine whether it is necessary to recognise any impairment loss with respect to the Group's investment in a joint venture and an associate. When necessary, the entire carrying amount of the investment (including goodwill) is tested for impairment in accordance with IAS 36 Impairment of Assets as a single asset by comparing its recoverable amount (higher of fair value and fair value less costs to sell) with its carrying amount, Any impairment loss recognised forms part of the carrying amount of the investment. Any reversal of that impairment loss is recognised in accordance with IAS 36 to the extent that the recoverable amount of the investment subsequently increases.

Upon disposal of a joint venture and an associate that results in the Group losing significant influence over that joint venture and associate, any retained investment is measured at fair value at that date and the fair value is regarded as its fair value on initial recognition as a financial asset in accordance with IAS 39. The difference between the previous carrying amount of the joint venture and associate attributable to the retained interest and its fair value is included in the determination of the gain or loss on disposal of the joint venture and associate. In addition, the Group accounts for all amounts previously recognised in other comprehensive income in relation to that joint venture and associate on the same basis as would be required if that joint venture and associate had directly disposed of the related assets or liabilities. Therefore, if a gain or loss previously recognised in other comprehensive income by that joint venture and associate would be reclassified to profit or loss on the disposal of the related assets or liabilities, the Group reclassifies the gain or loss from equity to profit or loss (as a reclassification adjustment) when it loses significant influence over that joint venture and associate.

• Business combinations

Acquisitions of businesses are accounted for using the acquisition method. The consideration for each acquisition is measured at the aggregate of the fair values (at the date of exchange) of assets given, liabilities incurred or assumed, and equity instruments issued by the Group in exchange for control of the acquiree. Acquisition-related costs are recognized in profit or loss as incurred.

When Recticel acquires an entity or business, the identifiable assets and liabilities of the acquiree are recognised at their fair value at acquisition date, except for:

  • deferred tax assets or liabilities and liabilities or assets related to employee benefit arrangements are recognised and measured in accordance with IAS 12 Income Taxes and IAS 19 Employee Benefits respectively;
  • liabilities or equity instruments related to share-based payment transactions of the acquiree or the replacement of an acquiree's share-based payment transactions with sharebased payment transactions of the Group are measured in accordance with IFRS 2 Share-based Payment at the acquisition date; and
  • assets (or disposal groups) that are classified as held for sale in accordance with IFRS 5 Non-current Assets Held for Sale and Discontinued Operations are measured in accordance with that Standard.

Goodwill is measured as the excess of the sum of the consideration transferred, the amount of any non-controlling interests in the acquiree, and the fair value of the acquirer's previously held equity interest in the acquiree (if any) over the net of the acquisition-date amounts of the identifiable assets acquired and the liabilities assumed. Where such a difference is negative, the excess is, after a reassessment of the values, recognised as income immediately as a bargain purchase gain.

Non-controlling interests (minority shareholders) that are present ownership interests and entitle their holders to a proportionate share of the entity's net assets in the event of liquidation may be initially measured either at fair value or at the non-controlling interests' proportionate share of the recognised amounts of the acquiree's identifiable net assets. The choice of measurement basis is made on a transaction-by-transaction basis.

If Recticel increases its interest in an entity or business over which it did not yet exercise control (in principle increasing its interest up to and including 50% to 51% or more) (a business combination achieved in stages), the Group's previously held equity interest in the acquiree is remeasured to fair value at the acquisition date (i.e. the date when the Group obtains control) and the resulting gain or loss, if any, is recognised in profit or loss.

If the initial accounting for a business combination is incomplete by the end of the reporting period in which the combination occurs, the Group reports provisional amounts for the items for which the accounting is incomplete. Those provisional amounts are adjusted during the measurement period (maximum one year after acquisition date), or additional assets or liabilities are recognised, to reflect new information obtained about facts and circumstances that existed as of the acquisition date that, if known, would have affected the amounts recognised as of that date.

II.1.3. Balance sheet items

Intangible assets acquired separately

Intangible assets with finite useful lives that are acquired separately are carried at cost less accumulated amortisation and accumulated impairment losses. Amortisation is recognised on a straight-line basis over their estimated useful lives. The estimated useful life and amortisation method are reviewed at the end of each reporting period, with the effect of any changes in estimate being accounted for on a prospective basis. Intangible assets with indefinite useful lives that are acquired separately are carried at cost less accumulated impairment losses.

Internally-generated intangible assets - research and development expenditure

Expenditure on research activities is recognised as an expense in the period in which it is incurred.

An internally-generated intangible asset arising from development (or from the development phase of an internal project) is recognised if, and only if, all of the following have been demonstrated:

  • the technical feasibility of completing the intangible asset so that it will be available for use or sale;
  • the intention to complete the intangible asset and use or sell it;
  • the ability to use or sell the intangible asset;
  • how the intangible asset will generate probable future economic benefits;
  • the availability of adequate technical, financial and other resources to complete the development and to use or sell the intangible asset; and
  • the ability to measure reliably the expenditure attributable to the intangible asset during its development.

The amount initially recognised for internally-generated intangible assets is the sum of the expenditure incurred from the date when the intangible asset first meets the recognition criteria listed above. Where no internally-generated intangible asset can be recognised, development expenditure is recognised in profit or loss in the period in which it is incurred.

Intangible assets acquired in a business combination

Intangible assets acquired in a business combination and recognised separately from goodwill are initially recognised at their fair value at the acquisition date (which is regarded as their cost).

Subsequent to initial recognition, intangible assets acquired in a business combination are reported at cost less accumulated amortisation and accumulated impairment losses, on the same basis as intangible assets that are acquired separately.

Derecognition of intangible assets

An intangible asset is derecognised on disposal, or when no future economic benefits are expected from use or disposal. Gains or losses arising from derecognition of an intangible asset, measured as the difference between the net disposal proceeds and the carrying amount of the asset, and are recognised in profit or loss when the asset is derecognised.

Goodwill

Goodwill is measured as the excess of the sum of the consideration transferred, the amount of any non-controlling interests in the acquiree, and the fair value of the acquirer's previously held equity interest in the acquiree (if any) over the net of the acquisition-date amounts of the identifiable assets acquired and the liabilities assumed.

Goodwill arising on an acquisition of a business is carried at cost less accumulated impairment losses, if any, and is presented separately in the consolidated statement of financial position.

Goodwill is reviewed for impairment at least annually. Any impairment loss is recognised immediately in the income statement and is not subsequently reversed.

On disposal of a subsidiary, associate or jointly controlled entity, the related goodwill is included in the determination of the profit or loss on disposal.

Property, plant and equipment

An item of property, plant and equipment is recognised if it is probable that associated future economic benefits will flow to the Group and if its cost can be measured reliably. After initial recognition, all items of property, plant and equipment are stated at cost, less accumulated depreciation and impairment losses, except for land which is not depreciated. Cost includes all direct costs and all expenditure incurred to bring the asset to its working condition and location for its intended use.

Properties in the course of construction for production, supply or administrative purposes are carried at cost, less any recognised impairment loss. Cost includes professional fees and, for qualifying assets, borrowing costs capitalised in accordance with the Group's accounting policy. Such properties are classified to the appropriate categories of property, plant and equipment when completed and ready for intended use. Depreciation of these assets, on the same basis as other property assets, commences when the assets are ready for their intended use.

Subsequent expenditure related to an item of property, plant and equipment is expensed as incurred.

Depreciation is provided over the estimated useful lives of the various classes of property, plant and equipment using the straight-line method. Depreciation starts when the assets are ready for their intended use. The estimated useful lives, residual values and depreciation method are reviewed at the end of each reporting period, with the effect of any changes in estimate accounted for on a prospective basis.

The estimated useful lives of the most significant items of property, plant and equipment are within the following ranges:

Land improvements : 25 years
Offices : 25 to 40 years
Industrial buildings : 25 years
Plants : 10 to 15 years
Machinery
Heavy : 11 to 15 years
Medium : 8 to 10 years
Light : 5 to 7 years
Pre-operating costs : 5 years maximum
Equipment : 5 to 10 years
Furniture : 5 to 10 years
Hardware : 3 to 10 years
Vehicle fleet
Cars : 4 years
Trucks : 7 years

The gain or loss arising on the disposal or retirement of an asset is determined as the difference between the sales proceeds and the carrying amount of the asset and is recognised in the income statement.

Leases – Recticel as lessee

• Financial leases

Leases are classified as financial leases whenever the terms of the lease transfer substantially all the risks and rewards of ownership to the lessee. All other leases are classified as operating leases.

Assets held under financial leases are recognised as assets of the Group at their fair value or, if lower, at the present value of the minimum lease payments, each determined at the inception of the lease.

The corresponding liability to the lessor is included in the balance sheet as a financial lease obligation. Lease payments are apportioned between financial charges and reduction of the lease obligation so as to achieve a constant rate of interest on the remaining balance of the liability.

Assets held under financial leases are depreciated over their expected useful lives on the same basis as owned assets, except if the lease does not transfer ownership of the asset, in which case the leased asset is depreciated over the shorter of its useful live and the lease term.

• Operating leases

Leases under which substantially all the risks and rewards of ownership are effectively retained by the lessor are classified as operating leases. Rents under operating leases are charged to income on a straight-line basis over the lease term. Benefits received or to be received as an incentive to enter into an operating lease are also recognised on a straight-line basis over the lease term.

Impairment of tangible and intangible assets

Except for goodwill and intangible assets with an indefinite useful life which are tested for impairment at least annually, other tangible and intangible fixed assets are reviewed for impairment when there is an indication that their carrying amount will not be recoverable through use or sale. If an asset does not generate cash flows that are independent from other assets, the Group estimates the recoverable amount of the cashgenerating unit to which the asset belongs.

The recoverable amount is the higher of fair value less costs to sell or value-in-use and the carrying amount. In assessing the fair value or value-in-use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset for which the estimates of future cash flows have been adjusted.

If the recoverable amount of an asset (or cash-generating unit) is estimated to be less than its carrying amount, the carrying amount of the asset (cash-generating unit) is reduced to its recoverable amount. An impairment loss is recognised as an expense immediately.

Where an impairment loss subsequently reverses, the carrying amount of the asset (or cash-generating unit) is increased to the revised estimate of its recoverable amount, but so that the increased carrying amount does not exceed the carrying amount that would have been determined had no impairment loss been recognised for the asset (or cash-generating unit) in previous years. However, impairment losses on goodwill are never reversed.

Non-current assets held for sale

Non-current assets and disposal groups are classified as held for sale if their carrying amount will be recovered principally through a sale transaction rather than through continuing use. This condition is regarded as met only when the sale is highly probable and the asset (or disposal group) is available for immediate sale in its present condition. Management must be committed to the sale, which should be expected to qualify for recognition as a completed sale within one year from the date of classification.

Non-current assets (and disposal groups) classified as held for sale are measured at the lower of their previous carrying amount and fair value less costs to sell.

Investment property

Investment property, which is property held to earn rentals and/or for capital appreciation, is stated at its fair value at the balance sheet date. Gains or losses arising from changes in the fair value of investment property are included in profit or loss for the period in which they arise.

Financial investments

Investments are recognised or derecognised on the trade date which is the date the Group undertakes to purchase or sell the asset. Financial investments are initially measured at the fair value of the consideration given, including transaction costs.

Investments held for trading or available for sale are subsequently carried at their fair value. Where securities are held for trading purposes, gains and losses arising from changes in fair value are included in net profit or loss for the period.

For investments available for sale, gains and losses arising from changes in fair value are recognised directly in equity, until the security is disposed of or is deemed to be impaired, at which time the cumulative gain or loss previously recognised in equity is included in the net profit or loss for the period.

Equity participations classified as 'available for sale', which are not quoted on an active market and for which the fair value cannot be measured reliably by alternative valuation methods, are measured at cost.

Financial investments which are 'held to maturity' are carried at amortised cost, using the effective interest rate method, except for short-term deposits, which are carried at cost.

• Impairment of financial assets

The impairment loss of a financial asset measured at amortised cost is equal to the difference between the carrying amount and the estimated future cash flows, discounted at the initial effective rate. The impairment of an available-for-sale financial asset is calculated with reference to its current fair value.

An impairment test is performed, on an individual basis, for each material financial asset. Other assets are tested as groups of financial assets with similar credit risk characteristics.

Impairment losses are recognised in profit and loss. With respect to available-for- sale assets, in the event of an impairment loss, the cumulative negative changes in fair value previously recognised in equity are transferred to profit and loss.

The impairment loss is reversed if the reversal can be related objectively to an event occurring after the impairment was recognised.

For financial assets measured at amortised cost and available-forsale financial assets, the reversal is recognised in profit and loss. For available-for-sale financial assets which represent equity instruments, the reversal is recognised directly in equity. Impairment losses relating to assets recognised at cost cannot be reversed.

• Derecognition of financial assets

The Group derecognises a financial asset only when the contractual rights to the cash flows from the assets expire, or when it transfers the financial asset and substantially all the risks and rewards of ownership of the asset to another entity. If the Group neither transfers nor retains substantially all the risks and rewards of ownership and continues to control the transferred asset, the Group recognises its retained interest in the asset and an associated liability for the amounts it may have to pay.

If the Group retains substantially all the risks and rewards of ownership of a transferred financial asset, the Group continues to recognise the financial asset and also recognises a collateralised borrowing for the proceeds received.

On the entire derecognition of a financial asset in its entirety, the difference between the asset's carrying amount and the sum of the consideration received and receivable and the cumulative gain or loss that had been recognised in other comprehensive income and accumulated in equity, is recognised in profit and loss.

On the partial derecognition of a financial asset other than its entirety (e.g. when the Group retains an option to repurchase part of a transferred asset), the Group allocates the previous carrying amount of the financial asset between the part it continues to recognise under continuing involvement, and the part it no longer recognises on the basis of the relative fair values of those parts on the date of the transfer.

The difference between the carrying amount allocated to the part that is no longer recognised and the sum of the consideration received for the part no longer recognised and any cumulative gain or loss allocated to it that had been recognised in other comprehensive income is recognised in profit or loss.

A cumulative gain or loss that had been recognised in other comprehensive income is allocated between the part that continues to be recognised and the part that is no longer recognised on the basis of the relative fair values of those parts.

Inventories

Inventories are stated at the lower of cost and net realisable value. Cost comprises direct materials and, where applicable, direct labour costs and those overheads that have been incurred in bringing the inventories to their present location and condition. Cost is calculated using the weighted average method.

Net realisable value represents the estimated selling price less all estimated costs of completion and costs necessary to make the sale.

Receivables

Short-term receivables are recognised at their nominal value, as reduced by appropriate allowances for estimated irrecoverable amounts.

Interest-bearing borrowings and equity instruments

Interest-bearing borrowings and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the Group after deducting all its liabilities.

Equity instruments issued by the Company are recorded at the proceeds received, net of direct issuance costs.

• Compound financial instruments

The components of compound instruments (convertible notes) issued by the Company are classified separately as debt component and equity component in accordance with the substance of the contractual arrangements and the definitions of the debt portion and an equity portion of such instrument.

At the time the conversion option will be settled by the exchange of a fixed amount of cash or another financial asset for a fixed number of the Company's own equity instruments, such compound instrument is re-qualified as an equity instrument.

At the date of issue, the fair value of the liability component is estimated using the prevailing market interest rate for similar nonconvertible instruments. This amount is recorded as a liability on an amortised costs basis using the effective interest method until extinguished upon conversion or at the instrument's maturity date.

The value of the conversion option classified as equity is determined by deducting the amount of the liability component from the fair value of the compound instrument as a whole. This is recognised and included in equity, net of income tax effects and is not subsequently remeasured.

In addition, the conversion option classified as equity will remain in equity until the conversion option is exercised; in which case the balance recognised in equity will be transferred to financial liability.

When the conversion option remains unexercised at the maturity date of the convertible note, the balance recognised in equity will be transferred to financial liability. No gain or loss is recognised in profit or loss upon conversion or expiration of the conversion option.

Transaction costs that relate to the issue of the convertible notes are allocated to the liability and equity components in proportion to the allocation of the gross proceeds. Transaction costs relating to the equity component are recognised directly in equity. Transaction costs relating to the liability component are including in the carrying amount of the liability component and are amortised over the lives of the convertible notes using the effective interest method.

• Interest-bearing borrowings at fair value through profit and loss

Interest-bearing borrowings are classified at fair value through profit and loss ("FVTPL") if they are held for trading. Interest-bearing borrowings at FVTPL are stated at fair value with any resultant gains or losses recognised in profit and loss. A financial liability is classified in this category if acquired principally for the purpose of selling in the short term. Derivatives are also categorized as FVTPL unless they are designated and effective as hedges.

Pensions and similar obligations

• Retirement benefit schemes

In accordance with the laws and practices of each country, the affiliated companies of the Group operate ''defined benefit'' and/or ''defined contribution retirement benefit" plans.

1 - Defined contribution plans

By law, defined contribution pension plans in Belgium are subject to minimum guaranteed rates of return. Hence, those plans classify as defined benefit plans. The IASB recognized that the accounting for such so-called "contribution-based plans" in accordance with the currently applicable defined benefit methodology is problematic. Considering as well the uncertainty with respect to the future evolution of the minimum guaranteed rates of return in Belgium, the Company adopted a retrospective approach whereby the net liability recognized in the statement of financial position is based on the sum of the positive differences, determined by individual plan participant, between the minimum guaranteed reserves and the accumulated contributions based on the actual rates of return at the closing date (i.e. the net liability is based on the deficit measured at intrinsic value, if any).

2 - Defined benefit plans

Regarding the ''defined benefit" plans, the amount recognised in the balance sheet is the present value of the ''defined benefit obligation'' less the fair value of any plan assets.

If the amount to be recognised in the balance sheet is negative, the asset does not exceed the net total of the present value of any future refunds from the plan or reductions in future contributions to the plan.

In the income statement, current and past service costs (including curtailments), settlement costs and administration expenses are charged in ''other operating income & expenses'', while the net interest cost is booked in ''other financial income & expenses''.

The present value of the ''defined benefit obligations'' and the related current and past service costs are calculated by qualified actuaries using the ''projected unit credit method''.

The discount rate is based on the prevailing yields of high quality corporate bonds (i.e. AA corporate bonds) that have maturity dates approximating to the terms of the benefit obligations. The discount rate is rounded to the closest 25 bp.

The actuarial gains and losses, resulting from differences between previous actuarial assumptions and actual experience, as well as changes in actuarial assumptions, are determined separately for each ''defined benefit plan'' and recognised in other comprehensive income. The asset gains and losses and the effect of changes in the asset ceiling, excluding amounts included in the net interest, are also recognized in other comprehensive income.

Past service costs, which arise from plan amendments, are recognised immediately as an expense.

Termination benefits

The entity shall recognize a liability and expense for termination benefits at the earlier of the following dates: (a) when the entity can no longer withdraw the offer of those benefits; and (b) when the entity recognizes costs for a restructuring that is within the scope of IAS 37 and involves the payment of termination benefits.

Share-based payments

Equity-settled share-based payments to employees and others providing similar services are measured at the fair value of the equity instrument at the grant date. Fair value is measured by use of a Black & Scholes model. Further details on how the fair value of equity-settled share-based transactions has been determined can be found in the notes.

The fair value determined at the grant date of the equity-settled share-based payments is expensed on a straight-line basis over the vesting period, based on the Group's estimate of shares that will eventually vest.

The above policy is applied to all equity-settled share-based payments that were granted after 7 November 2002 that vested after 1 January 2005. No amount has been recognised in the financial statements in respect of the other equity-settled sharedbased payments.

Provisions

Provisions are recognised in the balance sheet when the Group has a present obligation (legal or constructive) resulting from a past event and which is expected to result in a future outflow of resources which can be reliably estimated.

Provisions for warranty costs are recognised at the date of sale of the relevant products based on the best estimate of the expenditure required to settle the Group's liability.

Provisions for restructuring costs are recognised when the Group has a detailed formal plan for restructuring that has been communicated to affected parties before the balance sheet date.

Interest-bearing borrowings

Interest-bearing borrowings are recorded at the proceeds received, net of transaction costs incurred.

Borrowings are subsequently stated at amortised cost using the effective interest method. Any difference between the proceeds (net of transaction costs) and the redemption value (including premiums payable on settlement or redemption) is recognised in the income statement over the period of the borrowing.

Non-interest-bearing payables

Trade payables which are not interest-bearing are stated at cost, being the fair value of the consideration to be paid.

Derivative financial instruments

Derivative financial instruments are accounted for as follows:

• Cash flow hedges

Changes in the fair value of derivative financial instruments that are designated and effective as hedges of future cash flows are recognised directly in equity and the ineffective portion is recognised immediately in the income statement. If the cash flow hedge of a firm commitment or a forecasted transaction results in the recognition of an asset or a liability, then, at the time the asset or liability is recognised, the associated gains or losses on the derivative that had previously been recognised in equity are included in the initial measurement of the asset or liability. For hedges that do not result in the recognition of an asset or a liability, amounts deferred in equity are recognised in the income statement in the same period in which the hedged item affects net profit or loss.

• Net investment hedge

Hedges of net investments in foreign operations are accounted for similarly to cash flow hedges. Any gain or loss on the hedging instrument relating to the effective portion of the hedge is recognised in other comprehensive income and accumulated in the foreign currency reserve. The gain or loss to the ineffective portion is recognised immediately in profit and loss.

• Fair value hedges

A derivative instrument is recognised as fair value hedge when it hedges the exposure to variation of the fair value of the recognised assets or liabilities. Derivatives classified as a fair value hedge and the hedged assets or liabilities are carried at fair value. The corresponding changes of the fair value are recognised in the income statement.

Changes in the fair value of derivative financial instruments that do not qualify for hedge accounting are recognised in the income statement as they arise.

Hedge accounting is discontinued when the hedging instrument expires or is sold, terminated, or exercised, or no longer qualifies for hedge accounting. At that time, any cumulative gain or loss on the hedging instrument recognised in equity is retained in equity until the forecasted transaction occurs. If a hedged transaction is no longer expected to occur, the net cumulative gain or loss recognised in equity is transferred to net profit or loss for the period.

II.1.4. Revenue recognition

General

Revenue is measured at the fair value of the consideration received or receivable and represents amounts receivable for goods and services provided in the normal course of business, net of discounts, VAT and other sales-related taxes.

Revenue from the sale of goods is recognised when the goods are delivered and titles have passed, at which time all the following conditions are satisfied:

  • the Group has transferred to the buyer the significant risks and rewards of ownership of the goods;
  • the Group retains neither continuing managerial involvement to the degree usually associated with ownership nor effective control over the goods sold;
  • the amount of revenue can be measured reliably;
  • it is probable that the economic benefits associated with the transaction will flow to the Group; and
  • the costs incurred or to be incurred in respect of the transaction can be measured reliably.

Interest income is accrued on a time basis, by reference to the principal outstanding and at the effective interest rate applicable, which is the rate that exactly discounts estimated future cash receipts throughout the expected life of the financial asset to that asset's net carrying amount.

Dividend income from investments is recognised when the shareholders' rights to receive payment have been established.

Construction contracts

Where the outcome of a construction contract can be estimated reliably, revenue and costs are recognised by reference to the stage of completion of the contract activity at the balance sheet date.

This is normally measured by the proportion that contract costs incurred for work performed to date bear to the estimated total contract costs, except where this would not be representative of the stage of completion.

Variations in contract work, claims and incentive payments are recognised when it is probable that these will be accepted by the customer and the amounts can be measured reliably.

Where the outcome of a construction contract cannot be estimated reliably, contract revenue is recognised to the extent of contract costs incurred that it is probable will be recoverable. Contract costs are recognised as expenses in the period in which they are incurred.

When it is probable that total contract costs will exceed total contract revenue, the expected loss is recognised as an expense immediately.

Government grants

Government grants are not recognised until there is reasonable assurance that the Group will comply with the conditions attaching to them and that the grants will be received.

Government grants relating to staff training costs are recognised as income over the periods required to match them with the related costs and are deducted from the related expense.

Government grants relating to property, plant & equipment are treated by deducting the received grants from the carrying amount of the related assets. These grants are recognised as income over the useful life of the depreciable assets.

Income taxes

The tax expense represents the sum of the current tax expense and deferred tax expense.

The current tax expense is based on taxable profit for the year. Taxable profit differs from net profit as reported in the income statement because it excludes items of income or expenditure that are taxable or deductible in other years and it further excludes items that will never become taxable or deductible. The Group's liability for current tax is calculated using tax rates that have been enacted or substantively enacted by balance sheet date.

Deferred tax is the tax expected to be payable or recoverable on differences between the carrying amounts of assets and liabilities in the financial statements and the corresponding tax base used in the computation of taxable profit. It is accounted for using the balance sheet liability method. Deferred tax liabilities are generally recognised for all taxable temporary differences and deferred tax assets are recognised to the extent that it is probable that taxable profits will be available against which deductible temporary differences can be utilised. Such assets and liabilities are not recognised if the temporary difference arises from goodwill or from the initial recognition (other than in a business combination) of other assets and liabilities in a transaction that affects neither the tax profit nor the accounting profit.

Deferred tax liabilities are recognised for taxable temporary differences arising on investments in subsidiaries and associates, and interests in joint ventures, except where the Group is able to control the reversal of the temporary difference and when it is probable that the temporary difference will not reverse in the foreseeable future.

The carrying amount of deferred tax assets is reviewed at least at each balance sheet date and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.

Deferred tax is calculated at the tax rates that are expected to apply in the period when the liability is settled or the asset is realised.

Deferred tax is charged or credited in the income statement, except when it relates to items charged or credited directly to equity, in which case the deferred tax is also dealt with in equity.

II.1.5. Critical accounting assessments and principal sources of uncertainty

Drawing up the annual accounts in accordance with IFRS requires management to make the necessary estimates and assessments. The management bases its estimates on past experience and other reasonable assessment criteria. These are reviewed periodically and the effects of such reviews are taken into account in the annual accounts of the period concerned. Future events which may have a financial impact on the Group are also included in this.

The estimated results of such possible future events may consequently diverge from the actual impact on results. Assessments and estimates were made, inter alia, regarding:

  • additional impairments in respect of fixed assets, including Goodwill;
  • determination of provisions for restructuring, contingent liabilities and other exposures;
  • determination of provisions for irrecoverable receivables;
  • determination of write-downs on inventories;
  • valuation of post-employment defined benefit obligations, other long term employee benefits and termination benefits;
  • the recoverability of deferred tax assets.

It is not excluded that future revisions of such estimates and assessments could trigger an adjustment in the value of the assets and liabilities in future financial years.

II.1.5.1. Impairments on goodwill, intangible assets and property, plant and equipment

An impairment test is carried out with regard to the goodwill, intangible assets and property, plant and equipment on all CGEs. Such an test is carried out annually, or more frequently if there are indications that these items should be subject to impairment (see notes II.5.1, II.5.2. and II.5.3.).

The book value of the assets retained for impairment tests represents about 76.3% of the total goodwill, 23.8% of the total property, plant and equipment and 24.7% of the total intangible assets. The examined assets relate to (i) the Flexible Foams' activities in the United Kingdom, in Spain, in Norway and in Finland, (ii) Bedding activities in Germany and in Switzerland, as well as to (iii) the Automotive-Interiors' operations of the Group.

The most relevant results of these tests are listed below:

Book value in thousand EUR
Group Recticel FLEXIBLE FOAMS BEDDING AUTOMOTIVE TOTAL
United
Kingdom
Spain Finland Norway Germany Switzerland Interiors
Goodwill 4 705 0 3 429 1 818 2 761 6 332 0 19 045
Other intangible assets 214 17 14 0 85 472 2 256 3 058
Property, plant & equipment 5 238 7 039 4 950 452 1 894 1 652 27 407 48 632
Total 10 157 7 056 8 393 2 270 4 740 8 456 29 663 70 735
Impairments 0 0 0 0 0 0 0 0
Net book value 10 157 7 056 8 393 2 270 4 740 8 456 29 663 70 735

Footnote: The working capital is not included in the analysis.

For the impairment test of the balance sheet items included in the table above, certain assumptions were made. The recoverable amount of the total "cash-generating unit" ("CGU") is determined on the basis of the fair value or value-in-use model.

On the basis of this test and considering the business decisions taken, i.e. closure of certain plants (Automotive and Flexible Foams), no impairment has been recognised (see table above).

When determining its expected future cash flows, the Group takes into account prudent, though realistic, assumptions regarding the evolution of its markets, its sales, the raw materials prices, the impact of past restructurings and the gross margins, which all are based on (i) the past experiences of the management and/or (ii) which are in line with trustworthy external information sources. It can however not be excluded that a future reassessment of assumptions and/or market analysis induced by future developments in the economic environment might lead to the recognition of additional impairments.

For the discounting of the future cash flows, a uniform overall Group-based pre-tax discount rate of 8.83% is used for all CGUs (8.60% in 2013). This pre-tax discount rate is based on a (long-term) weighted average cost of capital based on the current market expectations of the time value of money and risks for which future cash flows must be adjusted; the risks being implicit in the cash flows. The Group applies a uniform overall pre-tax discount rate for the reason that 95% of the Group's operations are geographically located in Europe,

For countries with a higher perceived risk (i.e. emerging markets), the level of investments is relatively limited (4.5% of total fixed assets); hence no separate pre-tax discount rate is used.

The pre-tax discount rate for impairment testing is based on the following assumptions: (EUR based)

Group target ratios:
Gearing: net financial debt/total equity
% net financial debt
% total equity
2014
: 50%
: 33%
: 67%
2013
50%
33%
67%
Pre-tax cost of debt : 5.00% 4.00%
Pre-tax cost of equity = Rf
+ Em * β
Risk free interest rate = Rf
Beta = β
Market equity risk premium = Em
Small cap premium
: 13.00%
: 2.00%
: 1.35
: 5.00%
: 1.00%
13.87%
2.30%
1.35
5.00%
1.00%
Corporate tax rate
Assumed inflation rate
: 25.00%
: 1.50%
25.00%
2.00%
Pre-tax WACC
(weighted average cost of capital)
: 8.83% 8.60%

The discount factors are reviewed at least annually.

II.1.5.1.1. Flexible Foams

II.1.5.1.1.1. Key assumptions

Cash flows:

For the CGU "Flexible Foams – United Kingdom" the value-in-use model projections are based on budgets and financial plans covering a three-year period. After this 3-year period, a perpetuity value is taken into account without growth rate. 2014 was a difficult year due to industrial difficulties and the high level of raw material prices which could not be fully passed on in the selling prices. A major restructuring plan has been initiated in 2011 and was planned for execution over a 4-year period until 2014. The closing of the "Carobel" plant in 2H2011 was the first phase, the closing of the "Gwalia" plant in 2H2012 was the second phase, and the closing of the "Pendle" plant as a third phase in 1H2013. Management expects operations to recover after the reorganisation as a result of improvement of the industrial performance and better gross margins.

For the CGU "Flexible Foams – Spain", the value-in-use model projections are based on budgets and financial plans covering a three-year period. After this 3-year period, a perpetuity value is taken into account without growth rate. The value-in-use is dependent on the successful implementation of the business plan. The future cash flows take account of the 2015-2017 business plan and a perpetuity value based on an expected operating cash flow in 2018 without growth rate.

For the CGUs "Flexible Foams – Finland/Norway", the value-in-use model projections are based on budgets and financial plans covering a three-year period. After this 3-year period, a perpetuity value is taken into account without growth rate.

For the CGUs in the Flexible Foams segment no impairments have been recognized in 2014.

Discount rate:

The pre-tax discount rate used amounts to 8.83% and is based on a weighted average cost of capital (WACC) based on the current market expectations of the time value of money and risks for which future cash flows must be adjusted. On this basis, the value-in-use of the CGU "Flexible Foams – United Kingdom" amounts to 2.3 times the net asset book value; the value-in-use of the CGU "Flexible Foams – Spain" amounts to 2.7 times the net asset book value and the value-in-use of the CGU "Flexible Foams – Finland" amount to 2.2 times the net asset book value and "Flexible Foams – Norway" amounts to 1.4 times the net asset book value.

II.1.5.1.1.2. Sensitivity analysis

A sensitivity analysis is performed to measure the impact of a changing WACC rate on the outcome of the impairment tests.

Consequently, for 2014

  • the value-in-use of the CGU "Flexible Foams United Kingdom" – discounted at 9.83% amounts to 2.1 times the book value,
  • the value-in-use of the CGU "Flexible Foams Spain" discounted at 9.83% amounts to 2.4 times the book value,
  • the value-in-use of the CGU "Flexible Foams Finland" discounted at 9.83% amounts to 1.9 times the book value, and
  • the value-in-use of the CGU "Flexible Foams Norway" discounted at 9.83% amounts to 1.2 times the book value.

Another sensitivity analysis is performed to measure the impact of a changing gross margin – applied on the business plan 2015-2017 and the perpetuity - on the outcome of the impairment tests.

Consequently, for 2014

  • the value-in-use of the CGU "Flexible Foams United Kingdom" –, with a decrease in gross margin of 1%, amounts to 1.6 times the book value,
  • the value-in-use of the CGU "Flexible Foams Spain" –, with a decrease in gross margin of 1%, amounts to 2.0 times the book value,
  • the value-in-use of the CGU "Flexible Foams Finland" –, with a decrease in gross margin of 1%, amounts to 2.0 times the book value,
  • the value-in-use of the CGU "Flexible Foams Norway" –, with a decrease in gross margin of 1%, amounts to 1.0 times the book value,

For 2013

  • the value-in-use of the CGU "Flexible Foams United Kingdom" – discounted at 10% amounted to 2.6 times the book value,
  • the value-in-use of the CGU "Flexible Foams Spain" discounted at 10% amounted to 2.3 times the book value,
  • the value-in-use of the CGU "Flexible Foams Finland" discounted at 10% amounted to 2.4 times the book value, and
  • the value-in-use of the CGU "Flexible Foams Norway" discounted at 10% amounted to 1.9 times the book value.

Another sensitivity analysis is performed to measure the impact of a changing gross margin on the outcome of the impairment tests.

For 2013

  • the value-in-use of the CGU "Flexible Foams United Kingdom" –, with a decrease in gross margin of 1%, amounted to 2.3 times the book value,
  • the value-in-use of the CGU "Flexible Foams Spain" –, with decrease in gross margin of 1%, amounted to 2.0 times the book value,
  • the value-in-use of the CGU "Flexible Foams Finland" –, with a decrease in gross margin of 1%, still amounted to 2.6 times the book value,
  • the value-in-use of the CGU "Flexible Foams Norway" –, with decrease in gross margin of 1%, amounted to 1.9 times the book value,

II.1.5.1.2. Bedding

II.1.5.1.2.1. Key assumptions

Cash flows:

For the CGUs "Bedding – Germany/Switzerland" the value-in-use model projections are based on budgets and financial plans covering a six-year period.

Discount rate:

The pre-tax discount rate used amounts to 8.83% and is based on a weighted average cost of capital (WACC) based on the current market expectations of the time value of money and risks for which future cash flows must be adjusted. On this basis, the value-in-use of the CGU "Bedding – Germany" amounts to 5.0 times the net asset book value and the value-in-use of the CGU "Bedding - Switzerland" amounts to 1.3 times the net asset book value.

II.1.5.1.2.2. Sensitivity analysis

A sensitivity analysis is performed to measure the impact of a changing WACC rate on the outcome of the impairment tests.

Consequently, for 2014

  • the value-in-use of the CGU "Bedding Germany" discounted at 9.83% amounts to 4.8 times the book value, and
  • the value-in-use of the CGU "Bedding Switzerland" discounted at 9.83% amounts to 1.2 times the book value.

Another sensitivity analysis is performed to measure the impact of a changing gross margin on the outcome of the impairment tests.

Consequently, for 2014

  • the value-in-use of the CGU "Bedding Germany" –, with a decrease in gross margin of 1%, amounts to 4.0 times the book value, and
  • the value-in-use of the CGU "Bedding Switzerland" –, with a decrease in gross margin of 1%, amounts to 1.1 times the book value.

For 2013

  • the value-in-use of the CGU "Bedding Germany" discounted at 10% amounted to 4.2 times the book value, and
  • the value-in-use of the CGU "Bedding Switzerland" discounted at 10% amounted to 1.4 times the book value

Another sensitivity analysis is performed to measure the impact of a changing gross margin on the outcome of the impairment tests.

For 2013

  • the value-in-use of the CGU "Bedding Germany" –, with a decrease in gross margin of 1%, amounted to 3.6 times the book value, and
  • the value-in-use of the CGU "Bedding Switzerland" –, with a decrease in gross margin of 1%, amounted to 1.4 times the book value.

II.1.5.1.3. Automotive

II.1.5.1.3.1. Key assumptions

Cash flows:

For the CGU "Interiors", the value-in-use model projections are based on the budgets and financial plans for the duration of each project/model, in combination with an overview of the entire capacity utilisation. Strongly impacted by the economic crisis in 2009, which affected the Automotive - Interiors activities, the profitability level improved significantly in 2011, 2012 and 2013 as a result of the reorganisation, other efficiency programs and planned phase-outs of some programs. 2014 should be considered as a transitional period with the termination of some programs and the beginning of some development phase for new programs to come with effective start-up in 2016. Project assets are depreciated over the project life time. As such, at the end of the project production life time, there will be no residual book value of specific project related assets.

The CGU "Interiors" also uses a project approach, as a result of which impairments are booked on property, plant and equipment and intangible assets if:

  • A project generates insufficient cash flow to cover the depreciation of the property, plant and equipment and intangible assets assigned to the project,
  • No reallocation has yet been made for property, plant and equipment and intangible assets which will become available before December 2016. From experience, new projects are awarded about 2 years in advance. Consequently, it has been assumed that certain assets which will become available before December 2016 and for which no reallocation has yet been made, will have to be impaired.

No impairments have been recognized in 2014.

Discount rate:

The pre-tax discount rate used amounts to 8.83% and is based on a weighted average cost of capital based on the current market expectations of the time value of money and the risks for which future cash flows must be adjusted.

II.1.5.1.3.2. Sensitivity analysis

For 2014:

With regard to the CGU "Interiors", an increase in the pre-tax discount rate to 9.83% would not give rise to additional impairment.

For 2013:

With regard to the CGU "Interiors", an increase in the pre-tax discount rate to 10% would not have given rise to additional impairment.

II.1.5.2. Deferred tax

Deferred tax assets are recognised for the unused tax losses carried forward and unused tax credits, to the extent that it is expected that future taxable profits will be available against which these unused tax losses carried forward and unused tax credits can be offset. For this purpose, the management bases its opinion the expected taxable profits on the basis of its business plans (see note II.4.5.).

II.2. Changes in scope of consolidation

There were no changes in the scope of consolidation in 2014.

Changes in the scope of consolidation in 2013 related to the following element:

• In July 2013 the Group sold its participation in IPF – Ingenieria de Poliurethano Flexible s.l. (Spain) (Flexible Foams), resulting in a loss of EUR -0.4 million.

Changes in the scope of consolidation and exchange differences has no material impact on sales.

II.3. Business and geographical segments

II.3.1. Business segments

The Group has adopted IFRS 8 with effect from 1 January 2009. IFRS 8 requires operating segments to be identified on the basis of the internal reporting structure of the Group that allows a regular performance review by the chief operating decision maker and an adequate allocation of resources to each segment. Despite the application of IFRS 11, the chief operating decision makers continue to operate on the basis of financial data per segment on a "Combined" basis, i.e. including Recticel's pro rata share in the joint ventures, after intercompany eliminations, in accordance with the proportionate consolidation method.

The identification of the Group's reportable segments has not changed following the adoption of IFRS 8. The information reported to the Group's chief operating decision maker for the purposes of resource allocation and performance assessment per segment is more specifically focussed on Sales, EBITDA, EBIT, Capital Employed and Operational Cash Flow per segment. The principal market segments for these goods are the four operating segments: Flexible Foams, Bedding, Insulation, Automotive, and Corporate. For more details on these segments, reference is made to the first part of this annual report. Information regarding the Group's reportable segments is presented below. Inter-segment sales are made at prevailing market conditions.

Income statement for the year 2014

in thousand EUR
Group Recticel FLEXIBLE
FOAMS
BEDDING AUTOMOTIVE INSULATION ELIMINATIONS COMBINED
TOTAL (A)
CONTRIBUTION
JOINT VENTURES
PROPORTIONALLY
CONSOLIDATED IN
SEGMENT
REPORTING (B)
CONSOLIDATED
(A)+(B)
SALES
External sales 528 718 260 971 263 471 226 971 1 280 131
Inter-segment sales 64 252 20 671 567 70 (85 560) 0
Total sales 592 970 281 642 264 038 227 041 (85 560) 1 280 131 (296 764) 983 367
EARNINGS BEFORE INTEREST AND TAXES (EBIT)
Segment result 13 224 (3 481) 1 780 21 089 0 32 612 (4 606) 28 006
Unallocated corporate expenses (1) (19 223) 0 (19 223)
EBIT 13 224 (3 481) 1 780 21 089 0 13 389 (4 606) 8 783
Financial result (12 830)
Result for the period before taxes (4 047)
Income taxes (5 702)
Result for the period after taxes (9 749)
of which non-controlling interests 0
of which share of the Group (9 749)

(1) Includes mainly headquarters' costs (EUR 14.3 million (2013: EUR 15.9 million)) and R&D expenses (Corporate Programme) (EUR 3.6 million (2013: EUR 3.0 million)).

Other information 2014

in thousand EUR
Group Recticel FLEXIBLE
FOAMS
BEDDING AUTOMOTIVE INSULATION CORPORATE COMBINED
TOTAL (A)
CONTRIBUTION
JOINT VENTURES
PROPORTIONALLY
CONSOLIDATED IN
SEGMENT
REPORTING (B)
CONSOLIDATED
(A)+(B)
Depreciation and amortisation 11 227 6 362 10 702 5 974 999 35 264 (7 944) 27 320
Impairment losses recognised in profit and loss 619 59 10 0 0 688 0 688
EBITDA 25 070 2 940 12 492 27 063 (18 224) 49 341 (12 550) 36 791
Capital expenditure/additions 10 284 3 532 12 988 6 154 2 803 35 761 (9 627) 26 134

Impairments

In 2014, impairment losses recognized in profit and loss are mainly related to real estate of the idle plant in Legutiano (Spain – Flexible Foams) (EUR -0.5 million), on the basis of a market appraisal value.

EBITDA

EBITDA per segment is commented in the first part of this annual report (section Report by the Board of Directors).

Balance sheet at 31 December 2014

in thousand EUR
Group Recticel FLEXIBLE
FOAMS
BEDDING AUTOMOTIVE INSULATION ELIMINATION COMBINED
TOTAL (A)
CONTRIBUTION
JOINT VENTURES
PROPORTIONALLY
CONSOLIDATED IN
SEGMENT
REPORTING (B)
CONSOLIDATED
(A)+(B)
ASSETS
Segment assets 256 949 124 284 170 560 138 292 (137 518) 552 567 (128 969) 423 598
Investment in associates 13 408 0 0 0 0 13 408 67 372 80 780
Unallocated assets 146 301 (12 874) 133 427
Total consolidated assets 712 276 (74 471) 637 805
LIABILITIES
Segment liabilities 128 910 70 527 82 758 71 998 (137 518) 216 676 (52 066) 164 610
Unallocated liabilities 329 437 (22 405) 307 032
Total consolidated liabilities (excluding equity) 546 113 (74 471) 471 642
For the combined segment figures the contribution of the joint venture Kingspan Tarec Industrial Insulation (KTII) has not been impacted by IFRS 5.

The unallocated assets which amount to EUR 146.3 million include the following items:

  • Financial receivables for EUR 26.7 million
  • Current tax receivables for EUR 0.8 million
  • Other receivables for EUR 27.7 million
  • Deferred tax assets for EUR 47.4 million
  • Cash & cash equivalent for EUR 42.8 million.

The unallocated liabilities which amount to EUR 329.4 million (equity excluded) include mainly the following items:

  • Provisions for EUR 78.9 million
  • Deferred tax liabilities for EUR 9.9 million
  • Interest-bearing borrowings and bonds and notes for EUR 237.8 million

The breakdown of the goodwill per business line is as follows: 31 December 2014

in thousand EUR
Group Recticel COMBINED TOTAL (A) CONTRIBUTION JOINT VENTURES
PROPORTIONALLY
CONSOLIDATED IN SEGMENT
REPORTING (B)
CONSOLIDATED (A)+(B)
Eurofoam 473 (473) 0
Germany 808 0 808
The Netherlands 253 0 253
Scandinavia 5 598 0 5 598
United Kingdom 4 705 0 4 705
Total Flexible Foams 11 837 (473) 11 364
Germany 2 761 0 2 761
Switzerland 6 332 0 6 332
Belgium 859 0 859
Austria 948 0 948
Total Bedding 10 900 0 10 900
Kingspan Tarec Industrial Insulation 415 (415) 0
Belgium 1 619 0 1 619
United Kingdom 1 066 0 1 066
Total Insulation 3 100 (415) 2 685
Proseat 8 989 (8 989) 0
Total Automotive 8 989 (8 989) 0
0
Total goodwill 34 826 (9 877) 24 949

Income statement for the year 2013

in thousand EUR
Group Recticel FLEXIBLE
FOAMS
BEDDING AUTOMOTIVE INSULATION ELIMINATIONS COMBINED
TOTAL (A)
CONTRIBUTION
JOINT VENTURES
PROPORTIONALLY
CONSOLIDATED IN
SEGMENT
REPORTING (B)
CONSOLIDATED
(A)+(B)
SALES
External sales 520 160 260 593 257 886 219 985 1 258 624
Inter-segment sales 63 259 22 398 537 23 (86 217) 0
Total sales 583 419 282 991 258 423 220 008 (86 217) 1 258 624 (281 861) 976 763
EARNINGS BEFORE INTEREST AND TAXES (EBIT)
Segment result (16 413) 3 839 (5 324) 21 912 0 4 014 (5 497) (1 483)
Unallocated corporate expenses (1) (19 402) 0 (19 402)
EBIT (16 413) 3 839 (5 324) 21 912 0 (15 388) (5 497) (20 885)
Financial result (11 345)
Result for the period before taxes (32 230)
Income taxes (3 908)
Result for the period after taxes (36 138)
of which non-controlling interests
of which share of the Group (36 138)

(1) Includes mainly headquarters' costs (EUR 15.9 million (2012: EUR 12.2 million)) and R&D expenses (Corporate Programme) (EUR 3.0 million (2012: EUR 3.0 million)).

Other information 2013

in thousand EUR
Group Recticel FLEXIBLE
FOAMS
BEDDING AUTOMOTIVE INSULATION CORPORATE COMBINED
TOTAL (A)
CONTRIBUTION
JOINT VENTURES
PROPORTIONALLY
CONSOLIDATED IN
SEGMENT
REPORTING (B)
CONSOLIDATED
(A)+(B)
Depreciation and amortisation 12 301 6 524 14 037 5 671 1 087 39 620 (8 449) 31 171
Impairment losses recognised in profit and loss 1 758 0 1 711 0 0 3 469 (104) 3 365
EBITDA (2 354) 10 363 10 424 27 583 (18 315) 27 701 (14 050) 13 651
Capital expenditure/additions 11 033 1 715 9 279 4 800 3 665 30 492 (7 134) 23 358

Impairments

In 2013, impairment losses recognized in profit and loss are related to the Rheinbreitbach plant (Germany - Automotive Interiors). It is the result from a value-in-use impairment test with a weighted average cost of capital of 8.6%. Besides, impairments were recognised in respect to a number of tangible assets in Spain (Flexible Foams).

EBITDA

EBITDA per segment is commented in the first part of this annual report (section Report by the Board of Directors).

Balance sheet at 31 December 2013

in thousand EUR
Group Recticel FLEXIBLE
FOAMS
BEDDING AUTOMOTIVE INSULATION ELIMINATION COMBINED
TOTAL (A)
CONTRIBUTION
JOINT VENTURES
PROPORTIONALLY
CONSOLIDATED IN
SEGMENT
REPORTING (B)
CONSOLIDATED
(A)+(B)
ASSETS
Segment assets 262 995 118 922 145 842 127 276 (122 564) 532 471 (126 013) 406 458
Investment in associates 13 165 0 0 0 0 13 165 59 342 72 507
Unallocated assets 144 222 (10 785) 133 437
Total consolidated assets 689 858 (77 456) 612 402
LIABILITIES
Segment liabilities 145 679 63 389 69 321 62 734 (122 564) 218 559 (34 269) 184 290
Unallocated liabilities 284 539 (43 187) 241 352
Total consolidated liabilities (excluding equity) 503 098 (77 456) 425 642

The unallocated assets which amount to EUR 144.2 million include mainly the following items:

  • Financial receivables for EUR 25.1 million
  • Current tax receivables for EUR 4.2 million
  • Deferred tax assets for EUR 49.3 million
  • Cash & cash equivalent for EUR 40.8 million.

The unallocated liabilities which amount to EUR 284.5 million (equity excluded) include mainly the following items:

  • Provisions for EUR 79.4 million
  • Deferred tax liabilities for EUR 9.5 million
  • Interest-bearing borrowings and bonds and notes for EUR 188.5 million

The breakdown of the goodwill per business line is as follows: 31 December 2013

in thousand EUR
Group Recticel COMBINED TOTAL (A) CONTRIBUTION JOINT VENTURES
PROPORTIONALLY
CONSOLIDATED IN SEGMENT
REPORTING (B)
CONSOLIDATED (A)+(B)
Eurofoam 496 (496) 0
Germany 806 0 806
The Netherlands 253 0 253
Scandinavia 5 766 0 5 766
United Kingdom 4 396 0 4 396
Total Flexible Foams 11 717 (496) 11 221
Germany 2 761 0 2 761
Switzerland 6 226 0 6 226
Belgium 845 0 845
Austria 941 0 941
Total Bedding 10 773 0 10 773
Kingspan Tarec Industrial Insulation 413 (413) 0
Belgium 1 619 0 1 619
United Kingdom 996 0 996
Total Insulation 3 028 (413) 2 615
Proseat 8 978 (8 978) 0
Total Automotive 8 978 (8 978) 0
0
Total goodwill 34 496 (9 887) 24 609

Non-recurring elements (on a combined basis) in the operating result per segment

in thousand EUR
Group Recticel FLEXIBLE FOAMS BEDDING AUTOMOTIVE INSULATION NOT ALLOCATED COMBINED TOTAL
2014
Impairments (619) (59) (10) 0 0 (688)
Restructuring charges (2 219) (2 389) (2 389) 0 (528) (7 525)
Fine German Federal Cartel Office 0 (8 200) 0 0 0 (8 200)
Other (394) 15 (11) 0 (465) (855)
TOTAL (3 232) (10 633) (2 410) 0 (993) (17 268)
2013
Impairments (1 758) 0 (1 711) 0 0 (3 469)
Restructuring charges (3 595) (1 960) (8 377) (83) (1 042) (15 057)
Revalorisation tangible assets 0 0 0 0 750 750
Revalorisation financial assets (554) (15) 0 0 0 (569)
Other (28 467) (486) 0 0 (1 267) (30 220)
TOTAL (34 374) (2 461) (10 088) (83) (1 559) (48 565)

For 2014

  • Impairment charges are mainly related to related to the building of the plant in Legutiano (Spain – Flexible Foams) (EUR -0.5 million).
  • Restructuring charges are mainly related to the Bedding segment where restructuring charges have been incurred with respect to the transfer of production activities from Büron (Switzerland) to Flüh (Switzerland) and other production site of the Group, leading to the closing of the Büron plant. Restructuring charges in Flexible Foams concern The Netherlands (Wijchen site), the United Kingdom, Sweden, Spain and Turkey. In Automotive the restructuring charges related mainly to the last phase of the closure of the plant in Rheinbreitback (Germany).
  • The fine results from the settlement with the German Federal Cartel Office investigation (cfr II.6.10)
  • Other non-recurring elements relate mainly to (i) additional legal fees in relation with the EU investigation and German Federal Cartel Office, (ii) inventory write-offs in Flexible Foams (The Netherlands) and (iii) a waiver of debt on a receivable on the Italian affiliate A.R.T.E. srl (Flexible Foams).

For 2013

• Impairment charges are mainly related to the Automotive-Interiors activities in Rheinbreitbach (Germany) and the Flexible Foams activities in Spain (La Eliana and Legutiano).

Sales (by destination)

  • Restructuring charges are mainly related to Automotive-Interiors in Germany (Rheinbreitbach site). New provisions were also booked for the Flexible Foams activities in the UK (closure of Pendle site) and in Spain (closure of La Eliana). In Bedding restructuring charges were booked in Germany.
  • Other non-recurring elements relate mainly to (i) the EC fine (EUR -27.0 million), (ii) additional legal fees in relation with the EC (Flexible Foams) and Bundeskartellambt (Bedding) investigations (EUR -1.6 million) and (iii) after a complete investigation, the impact of the regularisation of past irregularities in one of the Group's subsidiaries (see postbalance sheet date events in Annual Report 2012) (EUR -1.5 million).

II.3.2. Geographical information

The Group's operations are mainly located in the European Union.

The following table provides an analysis of the Group's sales and fixed assets by geographical market.

in thousand EUR
Group Recticel 2014 2013
Belgium 125 791 126 087
France 130 069 126 819
Germany 187 292 195 439
Other EU countries 408 611 392 090
European Union 851 763 840 435
Other 131 604 136 328
TOTAL CONSOLIDATED 983 367 976 763

Reliance on major customers: The Group has no major customers that represent more than 10% of total external revenues. The top-10 customers of the Group represents 26.9% of total consolidated sales.

Intangible assets – property, plant & equipment – investment property

in thousand EUR
ACQUISITIONS, INCLUDING OWN PRODUCTION
Group Recticel 31 DEC 2014 31 DEC 2013 2014 2013
Belgium 69 571 69 238 7 963 7 261
France 41 149 41 875 3 418 3 552
Germany 26 384 27 229 2 664 2 190
Other EU countries 66 335 66 804 10 705 7 319
European Union 203 439 205 146 24 750 20 322
Other (including non-EU countries) 14 984 14 753 1 384 3 037
TOTAL CONSOLIDATED 218 423 219 899 26 134 23 359

II.4. Income statement

II.4.1. Sales and marketing expenses

Sales and marketing expenses increase by EUR 8.7 million to EUR 73.3 million. The increase is mainly due to higher advertising and promotion expenses in the Bedding segment (i.e. Geltex® inside campaigns) and in the Insulation segment.

II.4.2. Other operating revenues and expenses

in thousand EUR
Group Recticel 2014 2013
Other operating revenues 11 653 9 344
Other operating expenses (24 520) (41 110)
TOTAL (12 867) (31 766)
Fine German Federal Cartel Office (8 200) 0
Fine European Commission 0 (19 567)
Restructuring charges, including site closure and clean-up costs (7 525) (13 015)
Gain (Loss) on disposal of intangible and tangible assets 428 2 803
Gain (Loss) on disposal of financial assets (66) (389)
Gain (Loss) on realization of receivables/payables (169) (503)
Fair value gains 0 (800)
Other revenues 5 429 5 443
Other expenses (2 764) (5 738)
TOTAL (12 867) (31 766)

Fine German Federal Cartel Office

In 2014, the fine results from the settlement with the German Federal Cartel Office investigation (cfr II.6.10)

Fine European Commission

In January 2014, Recticel announced that it reached a settlement with the European Commission in the PU foam sector investigation (see also II.6.10.). Under the settlement decision, Recticel's effective total fine, excluding Recticel's 50% share of the fine relating to Eurofoam's conduct, amounts to EUR 19.6 million.

Restructuring

During 2014, restructuring charges were mainly related to the Bedding segment where restructuring charges have been incurred with respect to the transfer of production activities from Büron (Switzerland) to Flüh (Switzerland) and other production site of the Group, leading to the closing of the Büron plant. Restructuring charges in Flexible Foams concern The Netherlands (Wijchen site) and the United Kingdom, Sweden, Spain and Turkey. In Automotive the restructuring charges related mainly to the last phase of the closure of the plant in Rheinbreitback (Germany)

During 2013, restructurings were carried out in various locations or declarations of intent were made to do so in a number of plants. Net restructuring charges were composed of (i) new provisions for reorganisation and onerous contracts (EUR 10.9 million) and (ii) the recognition of direct restructuring costs (EUR 2.1 million). Restructuring charges are mainly related to Automotive-Interiors in Germany (Rheinbreitbach site). New provisions were also booked for the Flexible Foams activities in the UK (closure of Pendle site). In Bedding restructuring charges were booked in Germany.

Gain (loss) on disposal of intangible and tangible assets

In 2014 this item related mainly to a disposal of a building in France (Bedding).

In 2013 this item related to a capital gain on (i) an asset deal (equipment and clientele) in Norway (EUR 0.7 million) and (ii) the sale of land in Turkey (EUR +0.6 million) and in Belgium (EUR +1.5 million).

Gain (loss) on disposal of financial assets

In 2013 this item relates mainly to capital loss on the disposal of the Spanish subsidiary IPF (Flexible Foams).

Gain (Loss) on realization of receivables/payables

In 2014 this item relates to a waiver of debt in favour of the Italian affiliate A.R.T.E srl

In 2013 this item relates to a waiver of debt in favour of the Italian subsidiary Orsafoam (Flexible Foams) (EUR -0.5 million), the writeoff of a receivable on the Italian affiliate ARTE srl (Flexible Foams) (EUR -0.3 million) and (ii) a reversal of a write-off of a receivable on Teknofoam Hellas (in liquidation) (Flexible Foams) (EUR +0.1 million).

Fair value gains

The 2013 fair value gains relate to the reversal of the fair value adjustment on investment property in Belgium (EUR 0.8 million), following the disposal of land in Belgium.

Other revenues and expenses

"Other revenues and expenses" in 2014 comprised mainly: (i) The net impact of pension liabilities (EUR -3.0 million)

  • (ii) additional legal fees in relation with the EU investigation (Flexible Foams) and German Federal Cartel Office (Bedding) (EUR -0.4 million)
  • (iii) net revenues from insurance premiums (EUR +1.5 million)
  • (iv) re-invoicing of services and goods, rentals (EUR +1.5 million).
  • (v) revenue from a trademark infringement claim settlement in Bedding (Switzerland) (EUR +2.0 million)

"Other revenues and expenses" in 2013 comprised mainly:

  • (i) the reversal of provisions for rebates in the bedding activity (EUR +0.8 million)
  • (ii) the reinvoicing of services and goods, and rental income (EUR +0.6 million)
  • (iii) the reversal of provisions for financial risks on the investment in the affiliate ARTE srl (EUR +0.3 million) and in Plasteurop sa (in liquidation) (EUR +0.5 million)
  • (iv) net revenues from insurance premiums (EUR +2.8 million)
  • (v) additional legal fees in relation with the on-going EU investigation (Flexible Foams) and the Bundeskartellambt investigation in Germany (Bedding (EUR -1,5 million)
  • (vi) provisions for pension liabilities (EUR -1.9 million)
  • (vii) strategic consultancy fees (EUR -0.5 million)
  • (viii) the estimated impact of the regularisation of past irregularities in one of the subsidiaries of the Group (see post-balance sheet date events in Annual Report 2012) (EUR -1.5 million).

II.4.3.Earnings before interest and taxes (EBIT)

The components (by nature) of EBIT are as follows:

in thousand EUR
Group Recticel 2014 2013
Sales 983 367 100% 976 763 100%
Purchases and changes in inventories (506 429) -51.5% (505 885) -51.8%
Other goods and services (201 647) -20.5% (189 122) -19.4%
Labour costs (253 149) -25.7% (256 873) -26.3%
Amortisation and depreciation on non-current assets (26 229) -2.7% (30 004) -3.1%
Impairments on non-current assets (688) -0.1% (3 365) -0.3%
Amounts written back/(off) on inventories (879) -0.1% (871) -0.1%
Amounts written off on receivables 1 785 0.2% (190) 0.0%
Amortisation of deferred long term and upfront payment (1 091) -0.1% (1 168) -0.1%
Provisions (4 579) -0.5% (10 287) -1.1%
Gain/(Loss) on disposal financial fixed assets (2 538) -0.3% (389) 0.0%
Fair value adjustement on investment properties 0 0.0% (800) -0.1%
Own production 5 091 0.5% 5 937 0.6%
Other revenues 1 27 022 2.7% 26 631 2.7%
Other expenses 2 (20 216) -2.1% (31 701) -3.2%
Income from associates & joint ventures 8 963 0.9% 439 0.0%
EBIT 8 783 0.9% (20 885) -2.1%
2014 2013
1
Revenues
Reinvoicing of expenses 10 004 10 343
Insurance premiums captive insurance company 2 829 2 758
Gain on disposal of tangible assets 0 2 917
Indemnities 2 180 0
Other 12 009 10 613
Total 27 022 26 631
2
Expenses
EC fine 0 (19 567)
German Federal Cartel Office fine (8 200) 0
Operating taxes (5 998) (5 467)
Other (6 018) (6 667)
Total (20 216) (31 701)

II.4.4. Financial result

in thousand EUR
Group Recticel 2014 2013
Interest charges on bonds & notes (1 537) (1 466)
Interest on financial lease (660) (737)
Interest on long-term bank loans (4 080) (3 516)
Interest on short-term bank loans & overdraft (1 559) (1 520)
Interest on other long-term loans (73) (86)
Interest on other short-term loans (1) (103)
Net interest charges on Interest Rate Swaps (1 960) (2 014)
Net interest charges on foreign currency swaps (230) (246)
Total borrowing cost (10 100) (9 688)
Interest income from bank deposits 55 166
Interest income from financial receivables 547 592
Interest income from financial receivables and cash 602 758
Interest charges on other debts (576) (527)
Interest income from other financial receivables 43 53
Total other interest (533) (474)
Interest income and expenses (10 031) (9 404)
Exchange rate differences (400) (407)
Premium on CAP/Floor contracts 0 (9)
Result on derivative instruments 0 (9)
Interest actualisation and expected return on provisions for employee benefits 0 0
Interest actualisation for other provisions (12) (41)
Net interest cost IAS 19 (1 533) (1 611)
Interest on provisions for employee benefits and other debt (1 545) (1 652)
Other financial result (854) 127
FINANCIAL RESULT (12 830) (11 345)

II.4.5. Income taxes

1. Income tax expense

in thousand EUR
Group Recticel 2014 2013
Recognised in the income statement
Current tax:
Domestic (97) (2)
Foreign (2 578) (2 914)
Total current tax (2 675) (2 916)
Deferred taxes:
Tax effect on deferred tax adjustments related to previous years 3 953 (1 246)
Movements of temporary differences (10 792) (5 972)
Utilisation of previous years' losses (2 432) (1 506)
Deferred tax on current year's losses and prior losses not recognised in the past 6 244 7 732
Total deferred tax (3 027) (992)
Grand total (5 702) (3 908)
in thousand EUR
Group Recticel 2014 2013
Reconciliation of effective tax rate
Profit / (loss) before taxes (4 047) (32 231)
Minus income from associates (8 963) (439)
Result before tax and income from associates (13 010) (32 670)
Tax at domestic income tax rate of 33.99% 4 422 11 105
Tax effect of non-deductible expenses:
Non-deductible amortisation of goodwill and intangibles (51) (52)
Expenses not deductible for tax purposes (14 536) (14 432)
Other (184) (469)
Tax effect of tax-exempt revenues:
Non-taxable financial and other income 8 357 2 647
Other 607 706
Deferred tax effect resulting from a change in tax rates (4 537) 239
Tax effect of current and deferred tax adjustments related to prior years 3 662 (1 449)
Effect of different tax rates of subsidiaries operating in other jurisdictions (389) (848)
Tax effect of notional interest deduction 3 202 3 232
Valuation allowance on deferred tax assets and tax assets not recognised (6 255) (4 587)
Tax expense and effective tax rate for the year (5 702) (3 908)
in thousand EUR
Group Recticel 2014 2013
Deferred tax income (expense) recognised directly in equity
Change in accounting policy 0 117
Impact of IAS 19R on equity 68 0
Impact of movements in exchange rates 76 29
Impact of movements in consolidation scope 0 0
On effective portion of changes in fair value of cash flow hedges 79 (749)
Total 223 (603)

The global income tax charges of EUR -5.7 million is composed of two items:

  1. Current tax charge recognized in the profit and loss accounts for EUR -2.7 million against a tax charge of EUR -2.9 million in 2013.

The tax outflow mentioned in the cash flow for EUR -1.9 million represents the amount of tax paid during the exercise.

    1. A deferred tax charge recognized in the profit and loss accounts for EUR – 3.0 million against EUR – 1.0 million in 2013. The variance of deferred tax charges of EUR -2.0 million is mainly explained by:
  • a) Tax effect related to previous years (EUR 3.95 million against EUR -1.2 million) resulting from regularizations between the first estimate of the tax situation and the final tax declarations, which are closed within an average delay of 12-24 months after the year-end closing.
  • b) Movements of temporary differences (EUR -10.8 million against EUR -6.0 million) resulting mainly from valuation allowances on deferred tax assets' computation in 2014.
  • c) The increase of utilization of previous years' losses is explained by the consumption of deferred tax assets recognized in the past for companies which get a taxable situation in the current exercise.

d) The reduction of the deferred tax of current and prior year's losses is resulting from a lower effect in contribution of loss making companies for which deferred tax assets could be recognized.

The effective tax expenses for the year (EUR -5.7 million) compared to the theoretical tax computation (EUR 4.4 million), resulting in a difference of EUR -10.1 million, is explained by different factors:

  • a) (i) EUR -14.5 million recognized as non-deductible expenses and (ii) non-taxable income for EUR 8.4 million, both mainly related transactions in different countries involved by the settlement of the EC investigation and the German Federal Cartel Office-fine, and
  • b) EUR 4.7 million resulting from a change in tax rate (Spain and Switzerland).

2. Deferred tax

in thousand EUR
31 DEC 2014 31 DEC 2013
Group Recticel DEFERRED
TAX ASSETS
DEFERRED
TAX LIABILITIES
DEFERRED
TAX ASSETS
DEFERRED
TAX LIABILITIES
Recognised deferred tax assets and liabilities
Intangible assets 9 578 (777) 9 797 (962)
Property, plant & equipment 24 203 (21 330) 22 176 (22 540)
Investments 253 (941) 260 (769)
Inventories 266 0 191 0
Receivables 439 (1 131) 3 426 (1 395)
Cash flow hedges (equity) 2 116 0 2 037 0
Fair value of trading and economic hedge 0 0 0 0
Other current assets 1 671 0 653 0
Pension provisions 13 636 (2) 10 820 (3)
Other provisions 4 236 (5 738) 7 624 (4 267)
Other liabilities 1 733 (3 177) 3 203 (3 647)
Notional interest deduction 12 197 0 12 270 0
Tax loss carry-forwards/ Tax credits 179 083 0 167 629 0
Total 249 411 (33 096) 240 086 (33 583)
Valuation allowance (1) (178 388) 0 (165 777) 0
Set-off (2) (24 189) 24 189 (25 380) 25 380
Total (as provided on the balance sheet) 46 834 (8 907) 48 929 (8 203)

(1) The variation of EUR -12.6 million (EUR 178,4 million minus EUR 165.8 million) is mainly explained by a valuation allowance of EUR -10.8 million, by an effect on tax rate changes of EUR +4.6 million, by an effect on exchange rate of EUR -6.1 million and an effect on equity of EUR -1.5 million.

(2) According to IAS 12 (Income Taxes), deferred tax assets and deferred tax liabilities should, under certain conditions, be offset if they relate to income taxes levied by the same taxation authority.

Tax loss carry-forward by expiration date:

in thousand EUR
Group Recticel 2014 2013
One year 6 000 3 020
Two years 14 768 1 740
Three years 20 860 12 369
Four years 13 826 20 190
Five years and thereafter 239 795 235 783
Without time limit 346 338 321 088
Total 641 587 594 190

Deferred tax assets not recognised by the Group apply to the following elements as at 31 December 2014:

in thousand EUR
Group Recticel TOTAL POTENTIAL
DEFERRED TAX ASSETS
RECOGNISED
DEFERRED TAX ASSETS
UNRECOGNISED
DEFERRED TAX ASSETS
GROSS AMOUNT
OF UNRECOGNISED
TAX LOSSES
Tax losses carried forward (*) 179 083 51 955 127 128 438 731
Notional interest deductions (*) 12 197 0 12 197 35 885
Property, plant and equipment 24 203 3 687 20 516 63 328
Pension provisions 13 636 4 797 8 839 29 181
Other provisions 4 236 1 352 2 884 11 826
Other temporary differences 16 056 9 232 6 824 25 653
Total 249 411 71 023 178 388 604 604

(*) As of 31 Dec 2014, deferred tax assets and notional interests deductions of EUR 51.9 million (2013: EUR 49.4 million) are recognized out of EUR 641.6 million (2013: EUR 594.1 million) tax losses carryforward. These deferred tax assets represent income likely to be realisable in the foreseeable future.

Deferred tax assets not recognised by the Group apply to the following elements as at 31 December 2013:

in thousand EUR
Group Recticel TOTAL POTENTIAL
DEFERRED
TAX ASSETS
RECOGNISED
DEFERRED
TAX ASSETS
UNRECOGNISED
DEFERRED
TAX ASSETS
GROSS AMOUNT
OF UNRECOGNISED
TAX LOSSES
Tax losses carried forward 167 629 49 396 118 233 406 133
Notional interest deductions 12 270 0 12 270 37 837
Property, plant and equipment 22 174 5 021 17 153 63 720
Pension provisions 10 820 4 090 6 730 10 619
Other provisions 7 624 4 505 3 119 9 262
Other temporary differences 19 569 11 297 8 272 36 539
Total 240 086 74 309 165 777 564 111

There are no temporary differences associated with investments in subsidiaries and branches, for which deferred tax liabilities have not been recognised (cfr IAS 12 §81 (f)).

II.4.6. Dividends

Amounts recognised as distributions to equity holders in the period. Dividend for the period ending 31 December 2013 of EUR 0.20 (2012: EUR 0.29) per share.

Proposed dividend for the period ending 31 December 2014 of EUR 0.20 per share, or in total for all shares outstanding EUR 5,932,851.20 (2013: EUR 5,789,471.20).

The proposed dividend is subject to approval by the shareholders at the Annual General Meeting and has not been included as a liability in these financial statements.

II.4.7. Basic earnings per share

From continuing and discontinuing operations

The calculation of the basic and diluted earnings per share is based on the following data:

in thousand EUR
Group Recticel 2014 2013
Net profit (loss) for the period (in thousand EUR) (9 749) (36 138)
Net profit (loss) from continuing operations (9 749) (36 138)
Net profit (loss) from discontinuing operations 0 0
Weighted average shares outstanding
Ordinary shares on 01 January (excluding own shares bought back) 28 620 556 28 931 456
Shares bought back during the period 0 (326 800)
Exercise of warrants 716 900 15 900
Ordinary shares on 31 December (excluding own shares bought back) 29 337 456 28 620 556
Weighted average ordinary shares outstanding 28 953 478 28 498 521
Basic earnings per share (0.34) (1.27)
Group Recticel 2014 2013
in EUR

II.4.8. Diluted earnings per share

in thousand EUR
Group Recticel 2014 2013
Diluted earnings per share computation:
Dilutive elements
Net profit (loss) from continuing operations (9 749) (36 138)
Convertible bond (2) 0 0
Profit (loss) attributable to ordinary equity holders of the parent entity including assumed conversions (9 749) (36 138)
Weighted average ordinary shares outstanding 28 953 478 28 498 521
Stock option plans - warrants (1) 0 0
Convertible bond (2) 0 0
Weighted average shares for diluted earnings per share 28 953 478 28 498 521
in EUR
Group Recticel 2014 2013
Diluted earnings per share (0.34) (1.27)
Diluted earnings per share from continuing operations (0.34) (1.27)
Diluted earnings per share from discontinuing operations 0.00 0.00
Group Recticel 2014 2013
Anti-dilutive elements
Impact on net profit from continuing operations
Convertible bond (2) 1 268 1 251
Impact on weighted average ordinary shares outstanding
Stock option plan - warrants - "out-of-the-money" (1) 798 940 726 629
Stock option plan - warrants - "anti-dilutive" (1) 167 666 315 752
Convertible bond (2) 4 868 755 4 791 667

(1) Due to the loss of the year, no dilutive instruments are considered for the diluted earnings per share at closing 2013, as the inclusion of these instruments would have an adverse effect; i.e. reducing the loss per share.

(2) For 2014 and 2013, the impact of the convertible bond is considered to be anti-dilutive due to the loss of the period.

II.5. Balance sheet

II.5.1. Intangible assets

For the year ending 2014:

in thousand EUR
Group Recticel DEVELOPMENT
COSTS
TRADEMARKS,
PATENTS & LICENCES
CLIENT PORTFOLIO
GOODWILL
OTHER INTANGIBLE
ASSETS
ASSETS UNDER
CONSTRUCTION AND
ADVANCE PAYMENTS
TOTAL
At the end of the preceding year
Gross book value 12 966 42 566 8 820 231 5 333 69 916
Accumulated amortisation (12 333) (29 735) (8 459) (170) 0 (50 697)
Accumulated impairment (108) (6 326) 0 0 (831) (7 265)
Net book value 525 6 505 361 61 4 502 11 954
Movements during the year:
Acquisitions 0 80 0 21 610 711 (1)
Own production 0 0 0 1 2 238 2 239 (1)
Impairments 0 (5) 0 0 0 (5)
Expensed amortisation (269) (1 931) (276) (13) 0 (2 489)
Sales and scrapped 0 0 0 0 0 0 (2)
Transfers from one heading to another 317 1 356 0 13 (1 686) 0
Exchange rate differences (2) (36) 5 (2) 9 (26)
At year-end 571 5 969 90 81 5 673 12 384
Gross book value 13 704 44 083 8 880 341 6 504 73 512
Accumulated amortisation (13 101) (31 792) (8 790) (260) 0 (53 943)
Accumulated impairment (32) (6 322) 0 0 (831) (7 185)
Net book value 571 5 969 90 81 5 673 12 384
Useful life (in years) 3-5 3-10 5-10 5 maximum n.a.
Acquisitions Disposals
Cash-out on acquisitions of intangible assets (3 422) Cash-in from disposals of intangible assets 391
Acquisitions included in working capital 472 Disposals included in working capital (391)
Total acquisitions of intangible assets (1) (2 950) Total disposals of intangible assets (2) 0

For the year ending 2013:

in thousand EUR
Group Recticel DEVELOPMENT
COSTS
TRADEMARKS,
PATENTS & LICENCES
CLIENT PORTFOLIO
GOODWILL
OTHER INTANGIBLE
ASSETS
ASSETS UNDER
CONSTRUCTION AND
ADVANCE PAYMENTS
TOTAL
At the end of the preceding year
Gross book value 13 052 38 538 8 842 592 5 833 66 857
Accumulated amortisation (12 395) (27 677) (8 133) (339) 0 (48 544)
Accumulated impairment 0 (6 334) 0 0 (831) (7 165)
Net book value 657 4 527 709 253 5 002 11 148
Movements during the year:
Acquisitions 27 162 0 0 1 149 1 338 (1)
Own production 0 8 0 0 2 631 2 639 (1)
Impairments (107) (1) 0 0 0 (108)
Expensed amortisation (396) (1 974) (341) (9) 0 (2 720)
Sales and scrapped 0 0 0 0 (126) (126) (2)
Transfers from one heading to another 359 3 839 0 (181) (4 139) (122)
Exchange rate differences (15) (56) (7) (2) (15) (95)
At year-end 525 6 505 361 61 4 502 11 954
Gross book value 12 966 42 566 8 820 231 5 333 69 916
Accumulated amortisation (12 333) (29 735) (8 459) (170) 0 (50 697)
Accumulated impairment (108) (6 326) 0 0 (831) (7 265)
Net book value 525 6 505 361 61 4 502 11 954
Useful life (in years) 3-5 3-10 5-10 5 maximum n.a.
Acquisitions Disposals
Cash-out on acquisitions of intangible assets (3 558) Cash-in from disposals of intangible assets 0
Acquisitions included in working capital (419) Disposals included in working capital 126
Total acquisitions of intangible assets (1) (3 977) Total disposals of intangible assets (2) 126

In 2014, the total acquisition of intangible assets and own production of intangible assets amounted to EUR 3.0 million, compared to EUR 4.0 million the year before. The investments in intangible assets in 2014 mainly related to "Assets under construction and advance payments" for new developments and licence costs related to the roll-out of the SAP IT platform (EUR 1.7 million) and capitalised development costs for Automotive-Interiors projects (EUR 1.1 million).

In 2013, the total acquisition of intangible assets and own production of intangible assets amounted to EUR 4.0 million, compared to EUR 3.4 million the year before. The investments in intangible assets in 2013 mainly related to "Assets under construction and advance payments" for new developments and licence costs related to the roll-out of the SAP IT platform (EUR 2.5 million) and capitalised development costs for Automotive-Interiors projects (EUR 0.9 million).

In December 2011, Recticel SA/NV and Recticel International Services SA/NV concluded a joint credit facility agreement ('club deal') amounting to EUR 175 million. Under this club deal, Recticel SA/NV and/or its affiliates have pledged their main trademarks and patents in favour of the banks up to a maximum amount of EUR 175 million plus interest and related costs.

II.5.2. Goodwill

in thousand EUR
Group Recticel 31/DEC/2014 31/DEC/2013
At the end of the preceding year
Gross book value 38 433 39 084
Accumulated impairments (13 823) (13 971)
Net book value 24 610 25 113
Movements during the year
Acquisitions or entering the consolidation scope 0 0
Impairments * 0 0
Exchange rate differences 339 (503)
At year-end 24 949 24 610
Gross book value 39 215 38 433
Accumulated impairments (14 266) (13 823)
Net book value 24 949 24 610
* See note II.1.5.1. Impairments on goodwill, intangible assets and property, plant and equipment.

The carrying amount of goodwill acquired in business combination must be allocated on a reasonable and consistent basis to each CGU or smallest group of cash-generating units in accordance with IAS 36.

The goodwill is subject to an impairment test each year or more frequently if there are indications that these items should be subject to impairment. Regarding the main assumptions and findings and the sensitivity analyses, we refer to section II.1.5 Critical accounting assessments and principal sources of uncertainty.

The increase of the net book value is solely explained by exchange differences, especially in GBP.

II.5.3.Property, plant & equipment

For the year ending 2014:

in thousand EUR
Group Recticel LAND
AND BUILDINGS
PLANT,
MACHINERY
& EQUIPMENT
FURNITURE AND
VEHICLES
LEASES AND
SIMILAR RIGHTS
OTHER TANGIBLE
ASSETS
ASSETS UNDER
CONSTRUCTION
TOTAL
At the end of the preceding year
Gross value 186 154 489 636 23 251 35 324 5 169 8 237 747 771
Accumulated depreciation (112 243) (381 512) (18 981) (10 939) (1 299) 0 (524 974)
Accumulated impairments (765) (16 261) (65) (197) (484) (411) (18 183)
Net book value at opening 73 146 91 863 4 205 24 188 3 386 7 826 204 614
Movements during the year
Acquisitions, including own production 841 2 150 937 0 21 19 237 23 186 (1)
Impairments (74) (107) (2) 0 (500) 0 (683)
Expensed depreciation (4 059) (16 380) (1 567) (1 616) (82) (36) (23 740)
Sales and scrapped (918) (96) (27) 0 0 0 (1 041) (2)
Reclassification to held for sale (1 433) 0 0 0 0 0 (1 433)
Transfers from one heading to another 1 139 10 213 695 (1) 9 (12 034) 21
Exchange rate differences 227 1 314 72 0 (3) 199 1 809
At year-end 68 869 88 957 4 313 22 571 2 831 15 192 202 733
Gross value 185 006 502 387 24 723 35 315 5 135 15 602 768 168
Accumulated depreciation (115 329) (401 671) (20 379) (12 605) (1 320) (36) (551 340)
Accumulated impairments (808) (11 759) (31) (139) (984) (374) (14 095)
Net book value at year-end 68 869 88 957 4 313 22 571 2 831 15 192 202 733
Acquisitions Disposals
Cash-out on acquisitions of tangible assets (28 984) Cash-in from disposals of tangible assets 844
Acquisitions shown in working capital 5 798 Disposals shown in working capital 197
Total acquisitions of tangible assets (1) (23 186) Total disposals of tangible assets (2)

For the year ending 2013:

in thousand EUR
Group Recticel LAND
AND
BUILDINGS
PLANT,
MACHINERY
& EQUIPMENT
FURNITURE
AND VEHICLES
LEASES
AND SIMILAR
RIGHTS
OTHER
TANGIBLE
ASSETS
ASSETS
UNDER
CONSTRUCTION
TOTAL
At the end of the preceding year
Gross value 182 637 487 858 23 066 34 264 5 318 25 507 758 650
Accumulated depreciation (107 743) (380 041) (19 738) (9 413) (1 349) 0 (518 284)
Accumulated impairments (749) (19 067) (58) (256) (484) (572) (21 186)
Net book value at opening 74 145 88 750 3 270 24 595 3 485 24 935 219 180
Movements during the year
Outgoing entities (1) 0 (1) 0 0 0 (2)
Acquisitions, including own production 121 4 626 1 039 1 266 37 12 292 19 381 (1)
Impairments (46) (3 177) (33) 0 0 0 (3 256)
Expensed depreciation (5 314) (18 866) (1 340) (1 671) (92) 0 (27 283)
Sales and scrapped (495) (413) (3) 0 0 (357) (1 268) (2)
Transfers from one heading to another 5 126 22 466 1 352 0 0 (28 874) 70
Exchange rate differences (390) (1 523) (79) (2) (44) (170) (2 208)
At year-end 73 146 91 863 4 205 24 188 3 386 7 826 204 614
Gross value 186 154 489 636 23 251 35 324 5 169 8 237 747 771
Accumulated depreciation (112 243) (381 512) (18 981) (10 939) (1 299) 0 (524 974)
Accumulated impairments (765) (16 261) (65) (197) (484) (411) (18 183)
Net book value at year-end 73 146 91 863 4 205 24 188 3 386 7 826 204 614
Acquisitions Disposals
Cash-out on acquisitions of tangible assets (12 610) Cash-in from disposals of tangible assets 4 925
Acquisitions shown in working capital (6 771) Disposals shown in working capital (3 657)
Total acquisitions of tangible assets (1) (19 381) Total disposals of tangible assets (2)

Total acquisition of tangible assets amounted to EUR 23.2 million, compared to EUR 19.4 million last year.

At 31 December 2014, the Group had entered into contractual commitments for the acquisition of property, plant & equipment amounting to EUR 5.3 million.

At 31 December 2013, the Group had entered into contractual commitments for the acquisition of property, plant & equipment amounting to EUR 7.0 million.

In 2014, impairment losses recognized in profit and loss are mainly related to real estate of the idle plant in Legutiano (Spain – Flexible Foams) (EUR -0.5 million), as a result of a market appraisal value.

As a result of the impairment tests, impairments were booked in 2013 for an amount of EUR -3.3 million, which consists of EUR -1.7 million in Automotive and EUR -1.6 million in Flexible Foams.

Reclassification held for sale (EUR 1.4 million) relate to the building (Insulation) in Wolverhampton (United Kingdom).

As already stated under Intangible Assets, in December 2011, Recticel SA/NV and Recticel International Services SA/NV concluded a new joint credit facility agreement ('club deal') amounting to EUR 175 million. Under this club deal, Recticel SA/NV and/or its affiliates have pledged their production sites in Belgium, Germany, France, the Netherlands and Sweden in favour of the banks up to a maximum amount of EUR 175 million plus interest and related costs.

II.5.4. Assets under financial lease

in thousand EUR
Group Recticel 31/DEC/2014 31/DEC/2013
Total land and buildings 22 513 10 302
Total plant, machinery & equipment 44 13 862
Total furniture and vehicles 14 24
Total assets under financial lease 22 571 24 188
Fixed assets held under financial lease - Gross 35 315 35 324
Fixed assets held under financial lease - Depreciation (12 605) (10 940)
Fixed assets held under financial lease - Impairments (139) (196)
Fixed assets held under financial lease 22 571 24 188

II.5.5. Investment property

in thousand EUR
Group Recticel 31/DEC/2014 31/DEC/2013
At the end of the preceding year
Gross book value 3 429 4 551
Accumulated impairments (99) (99)
Net book value 3 330 4 452
Movements during the year
Fair value gain 0 (800)
Sales 0 (322)
Transfer to property, plant and equipment (24) 0
At year-end 3 306 3 330
Gross book value 3 405 3 429
Accumulated impairments (99) (99)
Net book value 3 306 3 330

This section relates primarily to 31.36 hectares of industrial and agricultural land in Balen and Lommel (Belgium). Of the industrial lands in Balen/Lommel, 7.35 hectares is subject to a long term lease (up to 2039) to Ajinomoto Omnichem SA/NV.

5.58 Hectares of industrial land accommodates the permanent deposit, resulting from the clean-up of the entire site, executed over the years 2001-2006, and also private roads, etc.

About 17.78 hectares of industrial land in Balen and 0.63 hectares of agricultural land in Lommel remain available for sale.

II.5.6. Subsidiaries, joint ventures and associates

Unless otherwise indicated, the percentage shareholdings shown below are identical to the percentage voting rights.

1. SUBSIDIARIES CONSOLIDATED USING THE FULL CONSOLIDATION METHOD

31 DEC 2014 31 DEC 2013
Austria
Sembella GmbH Aderstrasse 35 - 4850 Timelkam 100.00 100.00
Belgium
s.c. sous forme de s.a. Balim b.v. onder vorm van n.v. Olympiadenlaan 2 - 1140 Evere 100.00 100.00
s.a. Finapal n.v. Olympiadenlaan 2 - 1140 Evere 100.00 100.00
s.a. Intergroup Coordination Services n.v. Olympiadenlaan 2 - 1140 Evere 100.00 100.00
s.a. Recticel Management Services n.v. Damstraat 2 - 9230 Wetteren 100.00 100.00
s.a. Recticel International Services n.v. Olympiadenlaan 2 - 1140 Evere 100.00 100.00
China
Ningbo Recticel Automotive Parts Co. Ltd. No. 525, Changxing Road, (C Area of Pioneer Park) Jiangbei District, Ningbo Municipality 100.00 100.00
Recticel Foams (Shanghai) Co Ltd No. 525, Kang Yi Road - Kangyiao Industrial Zone, 201315 Shanghai 100.00 100.00
Shenyang Recticel Automotive Parts Co Ltd No 12, Hangtian Road, 110043 Shenyang 100.00 100.00
Beijing Recticel Automotive parts CO Ltd 32A, Block Yi, No. 15, Jingsheng Nan Si Jie, Jingiao Science 100.00 100.00
Czech Republic
RAI Most s.r.o. Moskevska 3055 - Most 100.00 100.00
Recticel Czech Automotive s.r.o. Chuderice-Osada 144 - 418,25 Bilina 100.00 100.00
Recticel Interiors CZ s.r.o. Plazy, 115 - PSC 293 01 Mlada Boleslav 100.00 100.00
Estonia
Recticel ou
Pune Tee 22 - 12015 Tallin 100.00 100.00
Finland
Recticel oy Nevantie 2, 45100 Kouvola 100.00 100.00
France
Recticel s.a.s. 7, rue du Fossé blanc, bâtiment C2 - 92622 Gennevilliers 100.00 100.00
Recticel Insulation s.a.s. 7, rue du Fossé blanc, bâtiment C2 - 92622 Gennevilliers 100.00 100.00
Germany
Recticel Automobilsysteme GmbH Rolandsecker Weg 30 – 53619 Rheinbreitbach 100.00 100.00
Recticel Beteiligungsmanagement GmbH Rolandsecker Weg 30 – 53619 Rheinbreitbach - (a) 100.00
Recticel Dämmsysteme Gmbh Hagenauer Strasse 42 – 65203 Wiesbaden 100.00 100.00
Recticel Deutschland Beteiligungs GmbH Rolandsecker Weg 30 – 53619 Rheinbreitbach 100.00 100.00
Recticel Grundstücksverwaltung GmbH Rolandsecker Weg 30 – 53619 Rheinbreitbach 100.00 100.00
Recticel Handel GmbH Rolandsecker Weg 30 – 53619 Rheinbreitbach 100.00 100.00
Recticel Schlafkomfort GmbH Schlaraffiastrasse 1-10 - 44867 Bochum 6 - Wattenscheid 100.00 100.00
Recticel Verwaltung Gmbh & Co. KG Rolandsecker Weg 30 – 53619 Rheinbreitbach 100.00 100.00
Luxembourg
Recticel RE s.a. 23, Avenue Monterey, L-2163 Luxembourg 100.00 100.00
Recticel Luxembourg s.a. 23, Avenue Monterey, L-2163 Luxembourg 100.00 100.00
India
Recticel India Private Limited 407, Kapadia Chambers, 599 JSS Road, Princess Street, Marine Lines (East), 400002 Mumbai Maharashtra 100.00 100.00
Morroco
Recticel Mousse Maghreb SARL
31 Avenue Prince Héritier, Tanger 100.00 100.00
The Netherlands
Akoestikon Geluidsisolatie B.V.
Fahrenheitbaan, 4c - 3439 MD Nieuwegein 100.00 100.00
Enipur Holding BV Spoorstraat 69 - 4041 CL Kesteren 100.00 100.00
Recticel B.V. Spoorstraat 69 - 4041 CL Kesteren 100.00 100.00
Recticel Holding Noord B.V. Spoorstraat 69 - 4041 CL Kesteren 100.00 100.00
Recticel International B.V. Spoorstraat 69 - 4041 CL Kesteren 100.00 100.00
Rectigro BV Spoorstraat 69 - 4041 CL Kesteren 100.00 100.00

(a) Recticel Beteiligungsmanagement GmbH merged with Recticel Handel GmbH (b) Recfoam merged with Recticel Teknik Sünger Izolasyon (c) New establishment

(d) Eurofoam Gdansk & Poznan merged with Eurofoam Polska in 2013 (e) Liquidated

1. SUBSIDIARIES CONSOLIDATED USING THE FULL CONSOLIDATION METHOD (continued)

% shareholding in
31 DEC 2014 31 DEC 2013
Norway
Westnofa Industrier AS Øysand - 7224 Mehus 100.00 100.00
Poland
Recticel Sp. z o.o. Ul. Graniczna 60, 93-428 Lodz 100.00 100.00
Romania
Recticel Bedding Romania s.r.l. Miercurea Sibiului, DN1, FN, ground floor room 2 3933 Sibiu County 100.00 100.00
Sweden
Recticel AB Södra Storgatan 50 b.p. 507 - 33228 Gislaved 100.00 100.00
Spain
Recticel Iberica s.l. Carretera B-142km. 2,2 - 08213 Polinya 100.00 100.00
Switzerland
Recticel Bedding (Schweiz) AG Bettenweg 12 Postfach 65 - 6233 Büron - Luzern 100.00 100.00
Turkey
Recfoam Poliuretan sünger sanayi ve ticaret limited sirkati Esentrepe mylangarz Cad., 40 34870 Istanbul -(b) 100.00
Teknofoam Izolasyon Sanayi ve Ticaret a.s. Esentepe Milangaz caddesi 40 Kartal, Istanbul 100,00 100,00
United Kingdom
Gradient Insulations (UK) Limited 1 George Street, Wolverhampton WV2 4DG, UK 100.00 100.00
Recticel (UK) Limited Blue Bell Close Clover Nook Industrial Park - DE554RD Alfreton 100.00 100.00
Recticel Limited Blue Bell Close Clover Nook Industrial Park - DE554RD Alfreton 100.00 100.00
United States of America
Recticel Interiors North America Llc. 5600 Bow Point Drive - MI 48346-3155 Clarkston 100.00 100.00
Recticel Urepp North America Inc. Metro North Technology Park - Atlantic Boulevard 1653 - MI 48326 Auburn Hills 100.00 100.00
The Soundcoat Company Inc. Burt Drive 1 PO Box 25990 - NY 11729 Deer Park County of Suffolk 100.00 100.00

(a) Recticel Beteiligungsmanagement GmbH merged with Recticel Handel GmbH (b) Recfoam merged with Recticel Teknik Sünger Izolasyon (c) New establishment

(d) Eurofoam Gdansk & Poznan merged with Eurofoam Polska in 2013 (e) Liquidated

In the framework of the EUR 175 million credit facility agreement ('club deal') dated 09 December 2011, Recticel SA/NV provided the following guarantees to its banks:

  • a mortgage mandate on the trading fund;
  • a mortgage mandate on the production sites of Recticel SA/ NV in Wetteren (Belgium) and Hulshout (Belgium)
  • a pledge on the shares it holds in various group companies.

Recticel SA/NV has also provided bank guarantees for (i) an aggregate amount of EUR 1.5 million in favour of OVAM regarding the sanitation and rehabilitation projects on some of its sites and/or sites of its subsidiaries, and (ii) an aggregate amount of EUR 3.7 million in favour of the 'Office Wallon des Déchets'.

Recticel SA/NV also provides guarantees and comfort letters to and/or on behalf of various direct or indirect subsdiaries, of which the material (> EUR 1 million) ones are:

  • on behalf of Recticel Iberica: EUR 1.5 million;
  • on behalf of Recticel Bedding Romania s.r.l.: EUR 1.6 million;
  • on behalf of Recticel Ltd.: EUR 3.4 million;
  • on behalf of Recticel Verwaltung GmbH: EUR 5.0 million and EUR 2.5 million;
  • on behalf of Eurofoam GmbH and subsidiaries: EUR 7.5 million;

  • on behalf of Proseat NV: EUR 5.1 million;

  • on behalf of Recticel s.a.s. in the framework of a real estate lease: EUR 13.0 million;
  • on behalf of Teknofoam Turkey: EUR 2.7 million;
  • on behalf of Recticel AB: EUR 3.2 million;
  • on behalf of Recticel India: EUR 3.7 million.

Recticel has provided a bank guarantee to the European Commission to cover the outstanding cartel fine provision for EUR 13.4 million.

Moreover Recticel guarantees its associated companies Recticel Interiors North America LLP and Recticel Urepp North America Inc., in the framework of the revised agreements with the Johnson Control Group following the settlement by which the latter no longer fall under the Chapter 11 procedure (April 2010).

Recticel also guarantees in favor of Daimler AG the correct execution of all running Mercedes programs of the Interiors division.

2. JOINT VENTURES CONSOLIDATED USING THE EQUITY METHOD

% shareholding in
31 DEC 2014 31 DEC 2013
Austria
Eurofoam GmbH Greinerstrasse 70 - 4550 Kremsmünster 50.00 50.00
Belgium
s.a. Kingspan Tarec Industrial Insulation n.v. (1) Olympiadenlaan, 2 - 1140 Evere 50.00 50.00
s.a. Proseat n.v. Olympiadenlaan 2 - 1140 Evere 51.00 51.00
Czech
Proseat Mlada Boleslav s.r.o.
Plazy, 115 - PSC 293 01 Mlada Boleslav 51.00 51.00
France
Proseat s.a.s. Avenue de Verdun, 71, 77470 Trilport 51.00 51.00
Germany
Eurofoam Deutschland GmbH Schaumstoffe Hagenauer Strasse 42 – 65203 Wiesbaden 50.00 50.00
KFM-Schaumstoff GmbH Rosenauer Strasse, 28 - 96487 Dörfles-Esbach 50.00 50.00
Proseat Gmbh & Co. KG Hessenring 32 - 64546 Mörfelden-Walldorf 51.00 51.00
Proseat Schwarzheide GmbH Schipkauer Strasse 1 - 01987 Schwarzheide 51.00 (c) -
Proseat Verwaltung Gmbh Hessenring 32 - 64546 Mörfelden-Walldorf 51.00 51.00
Hungary
Eurofoam Hungary Kft. Miskolc 16 - 3792 Sajobabony 50.00 50.00
The Netherlands
Eurofoam B.V. Spoorstraat 69 - 4041 CL Kesteren - (e) 50.00
Poland
Eurofoam Polska Sp. z o.o. ul Szczawinska 42 - 95-100 Zgierz 50.00 50.00
Proseat Spolka. z o.o. ul Miedzyrzecka, 16 - 43-382, Bielsko-Biala 51.00 51.00
Romania
Eurofoam s.r.l. Str. Garii nr. 13 Selimbar 2428 - O.P.8 C.P. 802 - Jud. Sibiu 50.00 50.00
Spain
Proseat Foam Manufacturing SLU Carretera Navarcles s/n, Poligono Industrial Santa Ana II - Santpedor (08251 Barcelona) 51.00 51.00
United Kingdom
Kingspan Tarec Industrial Insulation Ltd. (1) Charlestown Works, Charlestown - SK13 8LE Glossop (Derbyshire) 50.00 50.00
Proseat LLP Unit A, Stakehill Industrial Estate, Manchester, Lancashire 51.00 51.00

(1) see also II.6.4. Events after the balance sheet date

(a) Recticel Beteiligungsmanagement GmbH merged with Recticel Handel GmbH (b) Recfoam merged with Recticel Teknik Sünger Izolasyon (c) New establishment

(d) Eurofoam Gdansk & Poznan merged with Eurofoam Polska in 2013 (e) Liquidated

There are no specific restrictions on the ability of joint ventures to transfer funds to Recticel in the form of cash dividends, or to repay loans or advances made by Recticel.

Reference is made to "II.6.10 Contingent assets and liabilities" for the investigation by the EC in which Eurofoam was involved.

3. ASSOCIATES CONSOLIDATED USING THE EQUITY METHOD

31 DEC 2014 31 DEC 2013
Bulgaria
Eurofoam-BG o.o.d. Raiko Aleksiev Street 40, block n° 215-3 Izgrev district, Sofia 50.00 50.00
Czech Republic
B.P.P. spol s.r.o. ul. Hájecká 11 – 61800 Brno 25.68 25.68
Eurofoam Bohemia s.r.o. Osada 144, Chuderice - 418 25 Bilina 50.00 50.00
Eurofoam TP spol.s.r.o. ul. Hájecká 11 – 61800 Brno 40.00 40.00
Sinfo Souhradi 84 - 391 43 Mlada Vozice 25.50 25.50
Eurofoam Industry ul. Hájecká 11 – 61800 Brno 50.00 50.00
Italy
Orsafoam s.p.a. Via A. Colombo, 60 21055 Gorla Minore (VA) 33.00 33.00
Lithuania
UAB Litfoam Radziunu Village, Alytus Region 30.00 30.00
Poland
Caria Sp. z o.o. ul Jagiellonska 48 - 34 - 130 Kalwaria Zebrzydowska 25.50 25.50
Eurofoam Gdansk Sp. z o.o. ul. Przyrodników 23 - 80-298 Gdansk - (d) 50.00
Eurofoam Poznan Sp. z o.o. ul. Gnieznienska 4 Janikowo K/Poznan - 62-006 Kobylnica - (d) 50.00
PPHIU Kerko Sp. z o.o. Nr. 366 - 36-073 Strazow 25.86 25.86
Romania
Flexi-Mob Trading s.r.l. Interioara Street, 3 Pol. II, Inc. Federalcoop, Nr. 1, Constanta 25.00 25.00
Russian Federation
Eurofoam Kaliningrad
Kaliningrad District, Guierwo Region , 238352 Uszakowo 50.00 50.00
Slovak Republic
Poly Dolné Rudiny 1 - SK-01001 Zilina 50.00 50.00
Serbia
Eurofoam Sunderi d.o.o. Vojvodanska Str. 127 - 21242 Budisava 50.00 50.00
Ukraine
Porolon Limited Grodoocka 357 - 290040 - Lviv 47.50 47.50

(a) Recticel Beteiligungsmanagement GmbH merged with Recticel Handel GmbH

(b) Recfoam merged with Recticel Teknik Sünger Izolasyon

(c) New establishment

(d) Eurofoam Gdansk & Poznan merged with Eurofoam Polska in 2013 (e) Liquidated

There are no specific restrictions on the ability of associates to transfer funds to Recticel in the form of cash dividends, or to repay loans or advances made by Recticel.

Reference is made to "II.6.10 Contingent assets and liabilities" for the antitrust procedures initiated by the Italian authorities in which Orsafoam s.p.a. is involved.

4. NON-CONSOLIDATED ENTITIES

Some subsidiaries more than 50% controlled are not consolidated because they are (still) non-material. As soon as they have reached a sufficient size, however, they will be included in the scope of consolidation.

% shareholding in
31 DEC 2014 31 DEC 2013
China
Recticel Shanghai Ltd No. 518, Fute North Road, Waigaoqiao Free Trade Zone - 200131 Shanghai 100.00 100.00
France
Lebed s.a.s. Zone d'activité de l'Allmend - Boîte postale 34 - 68290 Maseveaux - (e) 100.00
Greece
Teknofoam Hellas Kosma Etolou Street, 13 - Neo Iraklio - Attica 100.00 100.00
Japan
Inorec Japan KK Imaika-Cho 1-36, Anjo-Shi 50.00 50.00
Luxembourg
Recfin S.A. 412F, route d'Esch, L-2086 Luxembourg 100.00 100.00
Romania
Eurofoam s.r.l. Baia Mare Str. Margeanulin, 5 - 4800 BAIA MARE 50.00 50.00
Russian Federation
Proseat LLC, in liquidation Domodedovskoye shosse 1/1, Podolsky district, Moskow Region, 142116 Selkhoztekhnica 51.00 51.00
Sweden
Nordflex A.B. Box 507 - 33200 Gislaved 100.00 100.00
Switzerland
Prefoam AG, in liquidation c/o KPMG Private Steinengraben, 5 - 4003 Basel - (e) 50.00

(a) Recticel Beteiligungsmanagement GmbH merged with Recticel Handel GmbH (b) Recfoam merged with Recticel Teknik Sünger Izolasyon (c) New establishment

(d) Eurofoam Gdansk & Poznan merged with Eurofoam Polska in 2013 (e) Liquidated

II.5.7. Interests in joint ventures and associates

A list of the significant investments in joint ventures and associates is included in note II.5.6.

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
At the end of the preceding period 72 507 69 123
Movements during the year
Actuarial gains/(losses) recognized in equity (1 331) (1) 52
Deferred tax relating to components of other comprehensive income 361 (47)
Exchange rate differences (84) (940)
Group's share in the result of the period 8 964 (2) 439
Dividends distributed (119) (6 300)
Result transfer 227 (1 144)
Capital increase 255 11 324 (4)
Reclassification to held for sale (7 136) (3) 0
At the end of the period 73 644 72 507

(1) In 2014 the actuarial losses relate to the impact of the lower discount rate under IAS19 pension liabilities

(2) In 2014 the Group's share in the result of the joint ventures (EUR 7.8 million) and of the affiliates (EUR 1.1 million) is significantly higher than in 2013 due the EC fine for Eurofoam, which was recognized in 2013 (EUR -7.2 million)

(3) In 2014 this item relates to the investment in the joint venture Kingspan Tarec Industrial Insulation (KTII), which was sold in February 2015.

(4) In 2013 this relates to the Proseat entities (Automotive-Seating).

The following key figures for the joint ventures are shown on a 100% basis:

in thousand EUR
Group Recticel EUROFOAM GROUP
PROSEAT GROUP
KINGSPAN TAREC
INDUSTRIAL
INSULATION
TOTAL
31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013
Non current assets 143 852 146 811 70 755 68 049 8 163 8 541 222 770 223 401
Cash and cash equivalents 8 930 10 535 20 722 13 023 2 224 1 481 31 876 25 039
Current assets 119 025 112 967 152 586 117 748 10 931 10 815 282 542 241 530
Total assets 262 877 259 778 223 341 185 797 19 094 19 356 505 312 464 931
Interest-bearing borrowings (40 487) (50 078) (18 165) (8 757) 0 0 (58 652) (58 835)
Non current liabilities (56 498) (64 964) (51 768) (41 194) (7 344) (7 121) (115 610) (113 279)
Interest-bearing borrowings (37 342) (29 440) (74 426) (47 824) (1 045) (2 629) (112 813) (79 893)
Current liabilities (79 863) (67 876) (116 700) (87 923) (4 788) (6 277) (201 351) (162 076)
Total liabilities (136 361) (132 840) (168 468) (129 117) (12 132) (13 398) (316 961) (275 355)
Net equity 126 516 126 938 54 873 56 680 6 962 5 958 188 351 189 576
Revenues 396 563 386 289 256 253 239 426 34 552 30 211 687 368 655 926
Amortization, Depreciation and Impairments (7 598) (7 947) (6 935) (7 368) (1 025) (1 047) (15 558) (16 362)
EBIT 23 267 31 122 (327) 1 090 1 168 (137) 24 108 32 075
Interest income 390 355 337 256 0 0 727 611
Interest expense (2 523) (2 806) (1 703) (1 706) (43) (7) (4 269) (4 519)
Result from ordinary activities before taxes 20 795 28 456 (1 423) (1 261) 1 084 (184) 20 456 27 011
Total income taxes (4 751) (5 142) (1 064) (110) (3) 38 (5 818) (5 214)
Profit or (loss) of the period 15 993 23 174 (3 094) (726) 1 122 (106) 14 021 22 342

Footnote: Recticel NV has issued (i) a comfort letter for EUR 7.5 million on behalf of the joint venture company Eurofoam GmbH (Austria/Germany) to cover a local bank loan, (ii) a EUR 5.1 million guarantee on behalf of the joint venture Proseat also to cover a local bank loan and (iii) a EUR 4.5 million guarantee on behalf of the joint venture Proseat to cover a local lease agreement.

in thousand EUR
Group Recticel EUROFOAM GROUP PROSEAT GROUP KINGSPAN TAREC
INDUSTRIAL INSULATION
31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013
Net equity (Group share) 63 258 63 469 27 985 28 907 3 481 2 978
Goodwill 473 498 8 989 8 978 415 414
Provision EC fine 0 (7 410) 0 0 0 0
Intragroup eliminations (5 591) 3 588 12 574 11 287 (100) (200)
Debt as equity 0 0 15 807 15 807 3 245 3 245
Deferred taxes 776 99 (324) (272) 95 115
IAS 19 assumptions (641) (1 719) 0 (143) 0 0
Other (310) 1 910 0 0 0 0
Investment in affiliates (33 232) (42 699) (29 523) (29 510) 0 0
Carrying amount of interests in joint ventures 24 733 17 736 35 508 35 054 7 136 6 552

The following key figures for the associates are shown on a 100% basis:

in thousand EUR
ORSAFOAM S.P.A. EUROFOAM GROUP TOTAL
Group Recticel 31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013
Non current assets 31 739 29 060 5 520 5 538 37 259 34 598
Current assets 56 034 56 434 9 850 9 960 65 884 66 394
Total assets 87 773 85 494 15 370 15 498 103 143 100 992
Non current liabilities (3 252) (6 124) (1 578) (2 829) (4 830) (8 953)
Current liabilities (51 716) (47 129) (7 713) (6 415) (59 429) (53 544)
Total liabilities (54 968) (53 253) (9 291) (9 244) (64 259) (62 497)
Net equity 32 805 32 241 6 079 6 254 38 884 38 495
Revenues 76 852 77 287 35 145 34 381 111 997 111 668
Profit or (loss) of the period 549 834 1 996 2 066 2 545 2 900

in thousand EUR

31 DEC 2014 31 DEC 2013
Group Recticel AGGREGATE COMPREHENSIVE
INCOME FROM JOINT VENTURES
AGGREGATE COMPREHENSIVE
INCOME FROM ASSOCIATES
TOTAL AGGREGATE COMPREHENSIVE
INCOME FROM JOINT VENTURES
AGGREGATE COMPREHENSIVE
INCOME FROM ASSOCIATES
TOTAL
Result from continuing operations 7 877 1 086 8 963 (637) 1 075 438
Actuarial gains/(losses) on employee benefits 1 331 0 1 331 (52) 0 (52)
Deferred taxes on actuarial gains/(losses) on employee
benefits
(361) 0 (361) 47 0 47
Foreign currency translation differences recycled in the
income statement
(6) 0 (6) 0 0 0
Currency translation differences 568 94 662 594 171 765
At the end of the period 9 409 1 180 10 589 (48) 1 246 1 198
The following IAS 28 - §37a, §37e, §37g and §40 paragraphs are not applicable.

II.5.8. Non-current receivables

For the year ending 2014:

in thousand EUR
Group Recticel LOANS CASH ADVANCES & DEPOSITS TRADE RECEIVABLES OTHER RECEIVABLES TOTAL
Gross value at the end of the preceding period 9 536 2 084 0 3 278 14 898
Amounts written-off at the end of the preceding period (3 925) 0 0 0 (3 925)
Net book value at the end of the preceding period 5 611 2 084 0 3 278 10 973
Gross value at end of the current period 8 807 646 0 5 746 15 199
Amounts written-off at the end of the current period (1 826) 0 0 0 (1 826)
Net book value at end of current period 6 981 646 0 5 746 13 373

The carrying amounts of these non-current receivables approximate the fair value since the interest rate is a variable rate in line with market conditions.

The maximum exposure to credit risk equals to the carrying amounts of these assets as recognized on the balance sheet.

There are no due but unpaid receivables, nor impairments on the outstanding receivables. There are no specific guarantees offered for the outstanding receivables.

'Cash advances and deposits' is a significant item under 'Non-current receivables', consisting of the following:

Group Recticel 31 DEC 2014 31 DEC 2013
Rent 435 422
Supplies (water, electricity, telecom, waste treatment, ) 115 113
Early retirements 0 1 486
Other 96 63
Total 646 2 084

II.5.9. Inventories

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Raw materials & supplies - Gross 57 493 54 433
Raw materials & supplies - Amounts written off (5 061) (4 596)
Raw materials & supplies 52 432 49 837
Work in progress - Gross 9 799 10 224
Work in progress - Amounts written off (148) (163)
Work in progress 9 651 10 061
Finished goods - Gross 30 291 30 049
Finished goods - Amounts written off (2 013) (1 442)
Finished goods 28 278 28 607
Traded goods - Gross 3 144 3 341
Traded goods - Amounts written off (339) (472)
Traded goods 2 805 2 869
Down payments - Gross 283 486
Down payments - Amounts written off 0 0
Down payments 283 486
Contracts in progress - Gross 3 185 2 167
Contracts in progress - Amounts written off 0 0
Contracts in progress 3 185 2 167
Total inventories 96 634 94 027
Amounts written-off on inventories during the period (879) (871)

II.5.10. Construction contracts

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Contract revenues recognised over the period 20 089 2 882
Contract costs incurred plus recognised profits less recognised losses to date 7 705 2 671
Advance payments received 972 37

In the automotive activity, Recticel (i) developed a polyurethanebased technology for the manufacturing of interior trim components and (ii) produces moulded seat cushions in polyurethane for the car industry. For optimum implementation of these two applications, based on the specifications given by its customers, Recticel ensures the manufacturing of the moulds with its own suppliers during the pre-operating phase, before starting production of components. At the end of this subcontracting process, the moulds are sold to the customer. In 2014 the contract revenues were positively influenced by the mould and tooling developments for the recently acquired new Interior contracts since 2013.

Considered as a long-term contract, the recognition of the costs and revenues of the 'moulds' activity is reflected in the accounts by reference to the stage of completion. Under the so-called 'percentage of completion' method, contract revenue is matched with the contract costs incurred in reaching the stage of completion.

II.5.11. Trade receivables and other receivables

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Trade receivables 85 363 71 724
Write-off on doubtful trade receivables (7 254) (7 208)
Total trade receivables 78 109 64 516
Other receivables (1) 19 509 17 009
Other derivatives 438 515
Loans carried at amortised cost 29 650 28 834
Total financial assets (2) 30 088 29 349
Subtotal (1)+(2) 49 597 46 358
Total loans and receivables 127 706 110 874

Trade receivables at the balance sheet date 2014 comprise amounts receivable from the sale of goods and services for EUR 78.1 million (2013: EUR 64.5 million).

This net amount of EUR 78.1 million consists of:

(i) gross trade receivables amounting to EUR 148.1 million (2013: EUR 134.8 million), after deduction of the following:

  • − EUR 11.0 million in credit notes still to be drawn (2013: EUR 8.4 million)
  • − EUR 77.2 million as a result of a non-recourse factoring programmes in Belgium, France, Germany, the Netherlands and the United Kingdom (EUR 68.9 million) and a forfaiting programme for trade receivables in the automotive sector (EUR 8.3 million)
  • − EUR 7.3 million in provisions for estimated irrecoverable amounts from the sale of goods (2013: EUR 7.2 million),
  • (ii) EUR 25.5 million in bills of exchange and invoices still to be drawn (2013: EUR 13.9 million).

In 2014, other receivables amounting to EUR 19.5 million relate essentially to (i) VAT receivable (EUR 6.0 million), (ii) advances paid to third parties for operating costs spread over several financial years (EUR 7.5 million), (iii) prepayments, tax credits and subsidies, and contractual commitments with co-contractors (EUR 6.0 million).

In 2014, other financial assets (EUR 30.1 million) mainly consist of financial receivables on affiliated companies which are not consolidated (EUR 5.7 million), a receivable of EUR 24.0 million (2013: EUR 20.0 million) relating to the balance not drawn under non-recourse factoring programmes in Belgium, France, Germany, The Netherlands and the United Kingdom which includes residual risks which remain with the affiliated companies involved following their continuing involvement, as well as EUR 0.4 million relating to the revaluation of interest rate and exchange rate hedging instruments.

As already mentioned above, in December 2011, Recticel SA/NV and Recticel International Services SA/NV concluded a joint credit facility agreement ('club deal') amounting to EUR 175 million. Under this club deal and the agreement relating to the subordinated loans, Recticel SA/NV and/or its subsidiaries have granted a floating charge mandate in favour of the banks up to a maximum amount of EUR 175 million plus interest and related costs.

Credit risk

The Group's principal current financial assets are cash & cash equivalents, trade and other receivables, and investments, which represent the Group's maximum exposure to credit risk in relation to financial assets.

The Group's credit risk is primarily attributable to its trade receivables. The amounts presented in the balance sheet are net of allowances for doubtful receivables, estimated by the Group's management based on prior experience and their assessment of the current economic environment.

The risk profile of the trade receivables portfolio is segmented by business line and based on the conditions of sale observed on the market. At the same time, it is confined by the agreed limits of the general conditions of sale and the specifically agreed conditions. The latter also depend on the degree of industrial and commercial integration of the customer, as well as on the level of market competitiveness.

The trade receivables portfolio in Flexible Foams, Bedding and Insulation consist of a large number of customers distributed among various markets, for which the credit risk is assessed on an on-going basis via the commercial and financial conditions granted to customers. In addition, the credit risks on trade receivables, with the exception of Automotive, are mostly covered by credit insurance policies which the Group manages centrally and harmonises. The credit risk management is also bolstered by the implementation of SAP software modules (FSCM) and best practice processes regarding the collection of receivables.

In Automotive, the credit risks are reasonably concentrated and the Group relies on the solvency ratios allocated by independent rating agencies.

The average credit periods taken on sales vary from 45 to 90 days, depending on the business line and the country of operations.

In order to confine credit risks, non-recourse factoring, forfaiting and discounting programmes were established for a total amount of EUR 98.5 million (of which EUR 77.2 million were actually used at 31 December 2014).

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Factoring without recourse
Gross amount 68 850 58 972
Retention (24 043) (19 985)
Net amount 44 807 38 987
Amount recognized in debt * 442 574
Forfeiting - net amount 8 308 9 687
Amount recognized in debt * 1 598 2 643
* included in the current interest-bearing borrowings

The average uncovered outstanding amounts from due receivables vary according to business line between 1% and 4.5% of total sales. The Group considers that there is no particular risk of non-recovery, although it is necessary to remain vigilant.

The retention figure includes amounts not withdrawn from banks for various contractual reasons including year-end bonuses, credit notes and amounts related to continuous involvement of Recticel which as such cannot be taken off the Group balance sheet.

Ageing balance of trade receivables due, for which no provision has been recognised:

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
30 days 7 990 11 939
60 days 1 930 1 855
90 days 560 629
120 days 266 334
150 days 396 135
180 days and more 398 618
Total overdue 11 540 15 510
Undue receivables 58 919 50 660
Total trade receivables 70 459 66 170

The aging balance of the overdue trade receivables is related to gross trade receivables of EUR 148.1 million (in 2013: EUR 134.8 million). The total trade receivables include the impact of factoring/forfaiting for EUR 77.2 million (2013: EUR 68.7 million).

Globally speaking, the lower amounts of overdues for all reference periods are explained by the stricter follow-up of overdue trade receivables. The higher amount of undue receivables is mainly explained by higher sales in the last months of 2014.

Movement in provisions for doubtful trade receivables:

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
At the end of the preceding period (7 207) (7 477)
Write off (1 338) (1 333)
Reversal 982 1 143
Non-recoverable amounts 419 262
Exchange differences (110) 127
Changes in the scope of consolidation 0 71
Total (7 254) (7 207)
Reference to II.4.2.

Ageing balance of other receivables due, for which no provision has been recognised:

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
30 days 218 288
60 days 3 44
90 days 1 29
120 days 6 4
150 days 2 7
180 days and more 172 58
Total overdue 402 430
Undue other receivables 19 106 16 579
Total other receivables 19 508 17 009

II.5.12. Cash and cash equivalents

Cash and cash equivalents includes cash held by the Group and short-term bank deposits with an original maturity of three months and less. The carrying amount of these assets approximates to their fair value.

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Short-term bank deposits - equal to or less than 3 months 10 000 10 000
Cash at bank & in hand 16 163 16 237
Total cash and cash equivalents 26 163 26 237

II.5.13. Disposal group held for sale

This item relates to the recognition (IFRS 5) of two transactions in Insulation to be realised in 2015: (i) Kingpan Tarec Industrial Insulation (EUR 7.2 million) (see II.6.4.) and (ii) a building in Wolverhampton (United Kingdom) (EUR 1.4 million) (cfr II.5.3.).

II.5.14. Share capital

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Issued shares
29 664 256 ordinary shares without nominal value (2013: 28 947 356 shares) 74 161 72 368
Fully paid-up shares
29 664 256 shares without nominal value (2013: 28 947 356 shares) 74 161 72 368

II.5.15. Share premium account

in thousand EUR
Group Recticel
Balance at 31 December 2013 107 042
Premium arising on issue of equity during 2014 1 527
Expenses of issue of equity shares during 2014 0
Balance at 31 December 2014 108 569

II.5.16. Pensions and similar obligations

Retirement benefit schemes

Several Recticel companies operate defined benefit and/or defined contribution plans.

• Defined benefit plans for post-employment benefits

  • Total provisions for defined benefit pension plans

Over 99% of the defined benefit obligation is concentrated in four countries: Belgium (40%), UK (38%), Germany (13%) and France (8%).

Within these four countries Recticel operates funded and unfunded retirement plans. These defined benefit plans typically provide retirement benefits related to remuneration and period of service. The two largest retirement plans make up 73% of the total defined benefit obligation. They are the Belgian white-collar pension plan (35%) and the UK pension plan (38%).

UK

Recticel sponsors only one defined benefit plan in the UK. It is a funded pension plan which is closed to future accrual since 2008. The plan is administered by a separate board of Trustees which is legally separate from Recticel. The Trustees are composed of representatives of both the employer and employees. The Trustees are required by law to act in the interest of all relevant beneficiaries and are responsible for the investment policy with regard to the assets plus the day to day administration of the benefits.

The plan functions in and complies with a large regulatory framework (including compliance with minimum funding requirements).

Under the plan, employees are entitled to annual pensions on retirement at age 65 based on the final pensionable salary and the years of service. Members also receive benefits on death.

UK legislation requires that pension schemes are funded prudently. The last funding valuation of the plan was carried out as at 01 January 2014 and showed a deficit of GBP 7.7 million. In order to meet the shortfall in funding of the UK pension scheme, Recticel had agreed in 2012 to pay a total amount, on a nondiscounted basis, of GBP 12.3 million as recovery contributions during the period 1 January 2012 to 31 December 2023. The outstanding amount at 31 December 2014 is GBP 10.6 million.

Over the past year the Trustees have analysed the Fund's investment strategy. Based on this analysis they decided to move the Scheme's assets to a new asset manager, implementing a more prudent and passively managed investment strategy (based on equities, corporate bonds and gilts).

Belgium

The main plan is the white-collar retirement plan, which was closed for new employees since 2003. The plan is funded through a group insurance for which the majority of the assets are invested in "Branch 23" funds.

The plan functions in and complies with a large regulatory framework (including compliance with minimum funding requirements). At 31 December 2014 the plan assets exceed the minimum funding requirements.

Under the plan, white-collar employees are entitled to a lump sum on retirement at age 65 as a function of final pensionable salary and years of service. Active members also receive a benefit on death-in-service.

The most significant risks associated with Recticel's defined benefit plans are:

Asset volatility :

The liabilities are calculated using a discount rate set with reference to corporate bond yields. If assets underperform this yield, this will create a deficit. The schemes hold a significant proportion of equities which, though expected to outperform corporate bonds in the long-term, create volatility and risk in the short-term. The allocation to equities is monitored to ensure it remains appropriate given the long term obligations.

Changes in bond yields :

A decrease in corporate bond yields will increase the value placed on the liabilities for accounting purposes, although this will be partially offset by an increase in the value of the bond holdings.

Inflation risk :

The benefit obligations are linked to inflation, and higher inflation will lead to higher liabilities (although, in some cases, caps on the level of inflationary increases are in place to protect against extreme inflation). The majority of the assets are either unaffected by or only loosely correlated with inflation, meaning that an increase in inflation will also increase the deficit.

Life expectancy :

Many of the obligations are to provide benefits for the life of the member or take into account member mortality rates, so increases in life expectancy will result in an increase in the liabilities.

Currency risk :

The risk that arises from the change in price of euro against other currencies.

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Evolution of the net liability during the year is as follows:
Net liability at 1 January 42 632 39 998
Expense recognised in the income statement 3 409 4 008
Employer contributions (3 694) (5 316)
Amount recognised in other comprehensive income 8 992 4 062
Exchange differences 821 (120)
Net liability at 31 December 52 160 42 632
in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Pension costs recognised in profit and loss and other comprehensive income:
Service cost:
Current service cost 2 034 2 180
Past service cost (including curtailments) (367) 0
Administration expenses 324 372
Net interest cost:
Interest cost 3 405 3 270
Interest income (1 987) (1 814)
Pension expense recognised in profit and loss 3 409 4 008
Remeasurements in other comprehensive income
Return on plan assets (in excess of)/below that recognised in net interest (4 092) (2 869)
Actuarial (gains)/losses due to changes in financial assumptions 13 396 3 179
Actuarial (gains)/losses due to changes in demographic assumptions 0 (884)
Actuarial (gains)/losses due to experience (312) 4 636
Total amount recognised in other comprehensive income 8 992 4 062
Total amount recognised in profit and loss and other comprehensive income 12 401 8 070
in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Amount recorded in the balance sheet in respect of the defined benefit plans are:
Defined benefit obligations for funded plans 104 587 89 641
Fair value of plan assets (59 578) (53 617)
Funded status for funded plans 45 009 36 024
Defined benefit obligations for unfunded plans 7 151 6 608
Total funded status at 31 December 52 160 42 632
Net liabilities at 31 December 52 160 42 632
Current liabilities 4 574 6 409
Non-current liabilities 47 586 36 223
The key actuarial assumptions used at 31 December (weighted averages) are:
Discount rate 2,20% 3,65%
Future pension increases 2,22% 2,39%
Expected rate of salary increases 2,75% 3,00%
Inflation 1,82% 2,20%
The mortality assumptions are based on recent mortality tables and the mortality tables of the UK allow for expected future improvements in mortality rates.
Movement of the plan assets
Real value of plan assets at 1 January 53 617 48 985
Interest income 1 987 1 814
Employer contributions 3 694 5 316
Benefits paid (direct & indirect, including taxes on contributions paid) (5 276) (4 590)
Return on assets, excl. interest income 4 092 2 869
Actual administration expenses (324) (372)
Exchange differences 1 788 (405)
Real value of plan assets at 31 December 59 578 53 617
The funded plans' assets are invested in mixed portfolios of shares and bonds, or insurance contracts. The plan assets do not include direct investments in Recticel shares, Recticel bonds or any
property used by Recticel companies.
in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Plan assets portfolio mix at 31 December
Government bonds (quoted) 19.97% 0.00%
Government bonds (non-quoted) 0.00% 0.00%
Corporate bonds (quoted) 6.56% 0.00%
Corporate bonds (non-quoted) 0.00% 0.00%
Equity (quoted) 10.87% 11.85%
Equity (non-quoted) 0.00% 0.00%
Non unit-linked Insurance contracts (quoted) 0.00% 0.00%
Non unit-linked Insurance contracts (non-quoted) 20.39% 23.31%
Unit-linked Insurance contracts (quoted) 0.00% 0.00%
Unit-linked Insurance contracts (non-quoted) 37.95% 58.51%
Cash (quoted) 0.04% 1.84%
Cash (non-quoted) 0.00% 0.00%
Property (quoted) 0.00% 0.00%
Property (non-quoted) 0.00% 0.00%
Derivatives (quoted) 0.00% 0.00%
Derivatives (non-quoted) 0.00% 0.00%
Asset backed securities (quoted) 0.00% 0.00%
Asset backed securities (non-quoted) 0.00% 0.00%
Structured debt (quoted) 0.00% 0.00%
Structured debt (non-quoted) 0.00% 0.00%
Other (quoted) 4.20% 4.49%
Other (non-quoted) 0.00% 0.00%
Where the unit-linked insurance contracts can be divided in the following asset classes:
% bonds 68.07% 29.20%
% equity 22.69% 66.32%

% cash 9.24% 4.48%

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Movement of the defined benefit obligation
Defined benefit obligation at 1 January 96 249 88 983
Current service cost 2 034 2 180
Interest cost 3 405 3 270
Benefits paid (direct & indirect, including taxes on contributions paid) (5 276) (4 590)
Actuarial (gains)/losses on liabilities arising from changes in financial assumptions 13 396 3 179
Actuarial (gains)/losses on liabilities arising from changes in demographic assumptions 0 (884)
Actuarial (gains)/losses on liabilities arising from experience (312) 4 636
Past service cost (incl. curtailments) (367) 0
Exchange differences 2 609 (525)
Defined benefit obligation at 31 December 111 738 96 249
Split of the defined benefit obligation per population
Active members 52 717 48 427
Members with deferred benefit entitlements 30 321 23 608
Pensioners/Beneficiaries 28 700 24 214
Total defined benefit obligation at 31 December 111 738 96 249
Weighted average duration of the defined benefit obligation at 31 December 13 13
Sensitivity of defined benefit obligation to key assumptions at 31 December
Current defined benefit obligation at 31 December 111 738 96 249
% increase in defined benefit obligation following a 0,25% decrease in the discount rate 2.43% 2.78%
% decrease in defined benefit obligation following a 0,25% increase in the discount rate -2.31% -2.64%
% decrease in defined benefit obligation following a 0,25% decrease in the inflation rate -1.85% -2.46%
% increase in defined benefit obligation following a 0,25% increase in the inflation rate 1.94% 2.49%
in thousand EUR
Group Recticel 2015 2014
Estimated contributions for the coming year
Expected employer contributions 2 580 3 458

• Defined contributions plans

The total contributions paid by Recticel during the current year amount to EUR 5,957,149, compared to an amount of EUR 6,239,531 last year.

Defined contribution plans in Belgium and Switzerland are subject to a minimum guaranteed return. Nevertheless, these plans are lodged under the defined contribution plans, because the plan assets exceed the sum of the account balances taking into account the minimum guaranteed rates of return.

In Belgium certain employees participate in defined contribution plans, funded through group insurances. The employer contributions paid to the group insurances are based on percentage of the salary. By law, Belgian employers are required to provide an average minimum guaranteed rate of return over the employee's career, currently equal to 3.25% on employer contributions paid as from January 1, 2004 onwards. Those rates may be modified in the future by Royal Decree in which case legislation currently foresees that the new rates also apply to the accumulated past contributions as from the date of modification onwards. There is a risk that the Company may have to pay additional contributions related to past service. Any such additional contributions will depend on the actual investment returns as well as the future evolution of the minimum guaranteed rates of return. For the Belgian plans the total contributions paid amount to EUR 1,995,826 and the total amount of the assets is EUR 11,424,986 at 31 December 2014, compared to an amount of EUR 8,049,279 last year, which is invested in insurance contracts with a fix return and possible profit sharing on top. Since the minimum guaranteed reserves were entirely covered by plan assets, no amounts were recognized in the statement of financial position at December 31, 2014 and 2013.

For the Swiss plans, Recticel jointly operates a retirement foundation with the employees. The assets and liabilities of the retirement foundation are held separately from Recticel. The foundation board is equally composed of representatives of the employee and of the employer. The foundation covers all the employees in Switzerland and provides benefits on a defined contribution basis. Each employee has a retirement account to which the employee and Recticel contribute at a rate set out in the foundation rules based on a percentage of salary. Every year, the foundation decides the level of interest, if any, to apply to the retirement accounts based on the agreed policy. At retirement, an employee can take the retirement account or have this paid as a pension. Because the foundation board is expected to eventually pay out all of the foundation's assets as benefits to employees and former employees, no surplus is deemed to be recoverable by Recticel. The value of the fund investments is EUR 22,321,378 at 31 December 2014, compared to EUR 21,114,380 last year, and is 17% in excess of the guaranteed amounts. The fund is invested as follows: 32% bonds; 22% equities; 26% real estate; 7% cash, 9% Alternative Assets and 4% other.

II.5.17. Provisions

For the year ending 2014

in thousand EUR
Group Recticel EMPLOYEE
BENEFITS
OTHER
LITIGATION
DEFECTIVE
PRODUCTS
ENVIRONMEN
TAL RISKS
REORGANISA
TION
PROVISIONS
FOR ONEROUS
CONTRACTS
OTHER RISKS FINANCIAL
RISKS ON
DISPOSAL
SUBSIDIARIES
TOTAL
At the end of the preceding year 46 366 107 1 619 4 775 7 908 164 308 0 61 247
Movements during the year
Expected returns on assets/actuarial gains
(losses) recognized in equity
8 993 0 0 0 0 0 0 0 8 993
Actualisation 1 533 0 0 0 0 6 6 0 1 545
Increases 4 183 0 396 0 3 381 889 87 0 8 936
Utilisations (4 671) (18) (76) (565) (6 677) (170) 0 0 (12 177)
Write-backs (472) (39) (135) 0 0 0 0 0 (646)
Transfer from one heading to another (1) 0 0 0 0 0 0 0 (1)
Exchange rate differences 822 0 4 0 15 3 0 0 844
At year-end 56 753 50 1 808 4 210 4 627 892 401 0 68 741
Non-current provisions (more than one year) 54 548 50 1 713 3 960 338 839 401 0 61 849
Current provisions (less than one year) 2 205 0 95 250 4 289 53 0 0 6 892
Total 56 753 50 1 808 4 210 4 627 892 401 0 68 741

The provisions for defective products are mainly related to warranties granted for products in the bedding division. The provisions are generally calculated on the basis of 1% of yearly turnover, which corresponds to the management's best estimate of the risk under 12-month warranties. When historical data are unavailable, the level of the provisions is compared to the yearly effective rate of liabilities, and if necessary, the amount of provision is adjusted.

Provisions for environmental risks cover primarily (i) the identified risk at the Tertre site (see section II.6.11.1.) and (ii) pollution risks in Belgium and the Netherlands.

Provisions for reorganisation relate to the outstanding balance of expected expenses for (i) the previously announced restructurings and additional ones in in, Automotive (Germany), Flexible Foams (The Netherlands and United Kingdom) and Bedding (Switzerland); and (ii) additional onerous contracts in Automotive (Germany) and Bedding (Switzerland). The reorganisation plans are expected to be fully implemented by 2016 at latest.

For the major risks (i.e. environmental and reorganisation risks) the cash outflow is expected to occur within a two years' horizon.

For the year ending 2013

in thousand EUR
Group Recticel EMPLOYEE
BENEFITS
OTHER
LITIGATION
DEFECTIVE
PRODUCTS
ENVIRONMEN
TAL RISKS
REORGANISA
TION
PROVISIONS
FOR ONEROUS
CONTRACTS
OTHER RISKS FINANCIAL
RISKS
ON DISPOSAL
SUBSIDIARIES
TOTAL
At the end of the preceding year 45 952 106 1 515 6 006 1 222 580 487 779 56 647
Movements during the year
Expected returns on assets/actuarial gains
(losses) recognized in equity
4 063 0 0 0 0 0 0 0 4 063
Actualisation 1 611 0 0 0 0 34 7 0 1 652
Increases 2 629 81 204 6 11 112 0 81 0 14 113
Utilisations (6 546) (34) 0 (1 237) (4 144) (450) (262) (300) (12 973)
Write-backs (1 223) (38) (94) 0 (287) 0 0 (479) (2 121)
Transfer from one heading to another 0 (8) 0 0 0 0 0 0 (8)
Exchange rate differences (120) 0 (6) 0 5 0 (5) 0 (126)
At year-end 46 366 107 1 619 4 775 7 908 164 308 0 61 247
Non-current provisions (more than one year) 44 557 107 1 568 4 525 1 641 0 308 0 52 706
Current provisions (less than one year) 1 809 0 51 250 6 267 164 0 0 8 541
Total 46 366 107 1 619 4 775 7 908 164 308 0 61 247

II.5.18. Interest-bearing borrowings

II.5.18.1. Interest-bearing borrowings carried at amortised cost

in thousand EUR
NON-CURRENT LIABILITIES USED CURRENT LIABILITIES USED
Group Recticel NOTES 31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013
Secured
Financial leases 15 057 18 113 3 052 2 975
Bank loans 99 240 78 850 0 0
Bank loans - factoring with recourse 0 0 442 574
Discounted bills of exchange 0 0 0 0
Total secured 114 297 96 963 3 494 3 549
Unsecured
Bonds & notes 26 037 0 0 25 536
Non-current bank loans with current portion 0 0 0 0
Other loans 1 801 1 871 270 234
Current bank loans 0 0 27 635 22 812
Bank loans - forfeiting 0 0 1 598 2 643
Bank overdraft 0 0 10 019 2 400
Other financial liabilities II.5.18.2. 0 0 9 782 9 007
Total unsecured 27 838 1 871 49 304 62 632
Total liabilities carried at amortised cost 142 135 98 834 52 798 66 181
in thousand EUR
NON-CURRENT LIABILITIES UNUSED CURRENT LIABILITIES UNUSED
Group Recticel 31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013
Secured
Bank loans 61 609 95 000 0 0
Bank loans - factoring with recourse 0 0 0 0
Discounted bills of exchange 0 0 0 0
Total secured 61 609 95 000 0 0
Unsecured
Bank loans 0 0 11 030 20 700
Total unsecured 0 0 11 030 20 700
Total liabilities carried at amortised cost 61 609 95 000 11 030 20 700

At the end of 2014, the gross interest-bearing borrowings of the Group amounted to EUR 194.9 million, compared to EUR 165.0 million at the end of 2013, i.e. an increase of EUR 29.9 million. This was mainly due to the partial payment of the EC fine, the payment of the German Federal Cartel Office fine and to difficult market conditions, and this in spite of the fact that a strict management of capital expenditure and working capital was maintained.

The non-recourse factoring/forfaiting programs amounted to EUR 55.1 million, compared to EUR 48.7 million in 2013.

At the end of 2014, the weighted average lifetime of debts payable after one year was 3.1 years. The bonds and the financial leases (except for the Bourges facility) are at fixed interest rates.

At the end of 2014, besides the net drawn amounts (EUR 99.1 million) and the guaranteed amount related to the EC fine (EUR 13.4 million) under the 'club deal' facility, the Group also benefited from EUR 46.7 million long term loan commitments (including short term part maturing within one year), of which EUR 3.3 million were maturing within one year. On top of this, the Group had also at its disposal EUR 61.6 million under the 'club deal' facility and EUR 54.4 million undrawn short term credit facilities ('on balance' (EUR 11.0 million) as well as 'off balance' (EUR 43.4 million)).

At the end of 2013, besides the drawn amounts (EUR 78.9 million) under the 'club deal' facility, other long term loan commitments amounted to EUR 49.3 million (including short term part maturing within one year), of which EUR 29.3 million related to the put option on the convertible bonds (of which only EUR 50,000 was exercised), were maturing within one year. On top of this, the Group had also at its disposal EUR 95.0 million under the 'club deal' facility and EUR 68.1 million of undrawn short term credit facilities.

Long term outstandings other than the 'club deal'

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Long term liabilities
Bonds & Notes 26 037 0
Financial leases 15 057 18 113
Other loans 1 801 1 871
Subtotal 42 895 19 984
Short term liabilities
Financial leases 3 052 2 975
Bonds & Notes 0 25 536
Loans - Factoring 442 574
Other loans 270 234
Subtotal 3 764 29 319
Total 46 659 49 303

The fair value of floating rate borrowings is close to the nominal value. The interest cost for these variable interest rate borrowings ranged from 0.80% to 2.83% p.a. in EUR and to 1.82% p.a. in CHF.

At balance sheet date the total borrowings were directly or synthetically (through currency swaps) denominated for 76.2% in EUR, 4.4% in GBP, 4.7% in CHF, 3.0% in SEK, 1.7% in CZK, 4.0% in USD and 6.0% in various other currencies.

The majority of the Group's financial debt is centrally contracted and managed through Recticel International Services N.V./S.A., which acts as the Group's internal bank.

In 2013 and early 2014, Recticel, together with its banks, signed addendums to the club deal facility agreement of 2011 in which a.o. the definitions of the covenants were adjusted for the remaining period of the agreement, and the usage of the facility was extended to the issuance of guarantees. The EUR 10 million outstanding commitment held by one of the 7 participating banks has also been redistributed between the 4 lead banks, thereby reducing the total of participating banks from 7 to 6 banks.

The borrowings under the 'club deal' are subject to bank covenants based on a leverage ratio, an interest cover and a minimum equity requirement. At end-2014, Recticel complied with all its bank covenants. On the basis of the available budget 2015 and the business plan management expects to be in a position to meet the bank covenants in the coming year.

As stated in the club deal, the maximum dividend authorised for distribution amounts to the highest of (i) 50% of the consolidated net income of the Group for the previous financial year and (ii) EUR 8.0 million.

Reference to II.5.22. Liquidity risk:

(i) Convertible bonds

The convertible bond was issued in July 2007, for a nominal amount of EUR 57.5 million, of which the Group bought back EUR 11.2 million during 2008, EUR 17.3 million in 2009 and EUR 1.4 million in 2011. Out of the remaining outstanding balance of EUR 27.7 million, EUR 26.0 million is recorded under financial debt. The remaining balance is entered in a specific capital account. This 5.0% p.a. coupon loan had a 10-year term at issuance, with a put option for investors in July 2014. Only EUR 50,000 was repaid through the exercise of this put option in July 2014.

This bond is convertible into shares. The initial conversion price was set at EUR 14.34 per share. This conversion price is subject to adjustments in function of the dividend payments. The current conversion price (at 31 December 2014) is fixed at EUR 11.81. The bonds are convertible until 16 July 2017 into ordinary shares at the current conversion price at that time.

Unless the bond is redeemed, converted or cancelled earlier, the bonds will be redeemed in cash on 23 July 2017 at par, together with the interest due and not yet paid. At year-end, this liability amounted to EUR 26.0 million on the balance sheet. As the put option came to maturity in July 2014, the bond has been reclassified as long term liability as of December 31, 2014. The fair value of the bond as of 31 December 2014 amounted to EUR 27.6 million.

(ii) Financial leases

This item consists of two leases. The first one finances the new Insulation plant in Bourges (France) and has an outstanding amount as of 31 December 2014 of EUR 12.1 million and is at a floating rate. The second one, in Belgium, has an outstanding amount as of 31 December 2014 of EUR 6.0 million on the balance sheet and is at a fixed rate.

(iii) Bank loans – "club deal"

On 09 December 2011, Recticel concluded a new five-year club deal with 7 European banks for a multi-currency loan of EUR 175 million. This new loan was used to refinance the outstanding amounts under the club deal of 2008, due in February 2013 but reimbursed anticipatively in order to secure long term funding in view of difficult market circumstances.

II.5.18.2. Other financial liabilities

Interest rate swaps are the only instruments designated in cash flow hedge relationship.

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Interest rate swaps 7 035 6 486
Interest charges on foreign currency swaps 35 26
Trading/economic hedge 963 611
Derivatives at fair value 8 033 7 123
Other financial debt 221 137
Interest accruals 1 528 1 747
Total 9 782 9 007

II.5.19. Other amounts payable

in thousand EUR
NON-CURRENT LIABILITIES CURRENT LIABILITIES
Group Recticel 31 DEC 2014 31 DEC 2013 31 DEC 2014 31 DEC 2013
Trade payables 0 0 0 0
Advances received on contracts in progress 0 0 0 6
Customers' deposits 161 162 0 0
Other amounts payable 6 649 282 7 294 111
Total other debts payable 6 810 444 7 294 117

II.5.20. Obligations under financial leases

in thousand EUR
MINIMUM LEASE
PAYMENTS
PRESENT VALUE OF
MINIMUM LEASE
PAYMENTS
MINIMUM LEASE
PAYMENTS
PRESENT VALUE OF
MINIMUM LEASE
PAYMENTS
Group Recticel 31 DEC 2014 31 DEC 2014 31 DEC 2013 31 DEC 2013
Lease payments due within one year 3 358 3 052 3 393 2 975
Between one and five years 9 780 8 746 11 994 10 574
Over five years 7 980 6 310 9 329 7 539
Total lease payments 21 118 18 108 24 716 21 088
Future financial charges (3 010) - (3 628) -
Present value of lease obligations 18 108 18 108 21 088 21 088
Less amounts due for settlement within 12 months - (3 052) - (2 975)
Amounts due for settlement after 12 months - 15 056 - 18 113

The financial leases were contracted by the operating affiliates to finance buildings and equipment amounting to EUR 18.1 million, with a funding cost ranging from 1.78% p.a. to 5.97% p.a.

II.5.21.Financial instruments and financial risks

Significant accounting policies

Details of the significant accounting policies and methods adopted, including the criteria for recognition, the basis of measurement and the basis on which income and expenses are recognised, in respect of each class of financial asset, financial liability and equity instrument are disclosed in note II.1.3. to the financial statements.

Categories of financial instruments

in thousand EUR
Group Recticel NOTES 31 DEC 2014 31 DEC 2013
Financial assets
Interest rate swaps designated as cash flow hedge relationship 6 0
Subtotal interest rate swaps designated as cash flow hedge relationship (b) II.5.11. 6 0
Fair value through profit or loss account ("FVTPL")
Hedging contract 0 155
Trading/Economic hedge (FX forward) 432 360
Financial assets at fair value through profit & loss account (b) II.5.11. 432 515
Non-current trade receivables (a) II.5.8. 0 0
Current trade receivables II.5.11. 78 109 64 516
Trade receivables (A) 78 109 64 516
Other non-current receivables (a) II.5.8. 5 746 3 278
Cash advances & deposits (a) II.5.8. 646 2 084
Other receivables (b) II.5.11. 19 508 17 009
Other receivables (B) 25 900 22 371
Loans to affiliates II.5.8. 5 032 3 826
Other loans II.5.8. 1 948 1 785
Non current loans (a) 6 980 5 611
Financial receivables (b) II.5.11. 29 650 28 834
Loans (C) 36 630 34 445
Cash and cash equivalents (D) I.4. & II.5.12. 26 163 26 237
Total loans & receivables (A+B+C+D) 166 802 147 569
Other investments (available for sale investments) 847 395
Non-current receivables (sum of (a)) I.4. & II.5.8. 13 372 10 973
Other receivables (sum of (b)) I.4. & II.5.11. 49 596 46 358
Financial liabilities
Interest rate swaps designated as cash flow hedge relationship 7 035 6 486
Subtotal interest rate swaps designated as cash flow hedge relationship (E) 7 035 6 486
Interest charges on foreign currency swaps 35 26
Trading/Economic hedge (FX forward) 963 611
Financial liability at fair value through profit & loss account (F) II.5.18. 998 637
Non current financial liabilities at amortised cost I.4. & II.5.18. 142 135 98 834
Current financial liabilities at amortised cost (G) II.5.18. 44 765 59 058
Current financial liabilities (E+F+G) I.4. & II.5.18. 52 798 66 181

The Group uses the following hierarchy for determining and disclosing the fair value of financial instruments by valuation technique:

  • Level 1 : quoted (unadjusted) prices in active markets for identical assets or liabilities
  • Level 2 : other techniques for which all inputs which have a significant effect on the recorded fair value are observable, either directly or indirectly
  • Level 3 : techniques which use inputs which have a significant effect on the recorded fair value that are not based on observable market data.

During the reporting period ending 31 December 2014, there were no transfers between Level 1 and Level 2 fair value measurements, and no transfers into and out of Level 3 fair value measurements.

Fair value of financial instruments per 31 December 2014

in thousand EUR
Group Recticel DESIGNATED IN
HEDGE
RELATIONSHIP
AT FAIR VALUE
THROUGH
PROFIT OR LOSS
- HELD
FOR TRADING
AVAILABLE
FOR SALE
LOANS &
RECEIVABLES
AT AMORTISED
COST
FAIR VALUE FAIR VALUE
LEVEL
Financial assets
Interest rate swaps designated as cash flow hedge relationship 6 0 0 0 6 2
Subtotal interest rate swaps designated as cash flow hedge
relationship (b)
6 0 0 0 6 2
Trading/Economic hedge (FX forward) 0 432 0 0 432 2
Financial assets at fair value through profit & loss account (b) 0 432 0 0 432 2
Non-current trade receivables (a) 0 0 0 0 0 2
Current trade receivables 0 0 0 78 109 78 109 2
Trade receivables (A) 0 0 0 78 109 78 109 2
Other non-current receivables (a) 0 0 0 5 746 5 746 2
Cash advances & deposits (a) 0 0 0 646 646 2
Other receivables (b) 0 0 0 19 508 19 508 2
Other receivables (B) 0 0 0 25 900 25 900 2
Loans to affiliates 0 0 0 5 032 5 032 2
Other loans 0 0 0 1 948 1 948 2
Non current loans (a) 0 0 0 6 980 6 980 2
Financial receivables (b) 0 0 0 29 650 29 650 2
Loans (C) 0 0 0 36 630 36 630 2
Cash and cash equivalents (D) 0 0 0 26 163 26 163 2
Total loans & receivables (A+B+C+D) 0 0 0 166 802 166 802
Other investments (available for sale investments) 0 0 847 0 847 2
Non-current receivables (sum of (a)) 0 0 0 13 372 13 372
Other receivables (sum of (b)) 6 432 0 49 158 49 596
Financial liabilities
Interest rate swaps designated as cash flow hedge relationship 7 035 0 0 0 7 035 2
Subtotal interest rate swaps designated as cash flow hedge
relationship (E)
7 035 0 0 0 7 035 2
Interest charges on foreign currency swaps 0 35 0 0 35 2
Trading/Economic hedge (FX forward) 0 963 0 0 963 2
Financial liability at fair value through profit & loss account (F) 0 998 0 0 998 2
Non current financial liabilities at amortised cost * 0 0 0 142 135 142 135 2
Current financial liabilities at amortised cost * (G) 0 0 0 44 765 44 765 2
2
Current financial liabilities (E+F+G) 7 035 998 0 44 765 52 798
* excluding financial leases and convertible bonds.

Fair value of financial instruments per 31 December 2013

in thousand EUR
Group Recticel DESIGNATED IN
HEDGE
RELATIONSHIP
AT FAIR VALUE
THROUGH
PROFIT OR
LOSS - HELD
FOR TRADING
AVAILABLE
FOR SALE
LOANS &
RECEIVABLES
AT AMORTISED
COST
FAIR VALUE FAIR VALUE
LEVEL
Financial assets
Fair value through profit or loss account ("FVTPL")
Hedging contract 0 155 0 0 155 2
Trading/Economic hedge (FX forward) 0 360 0 0 360 2
Financial assets at fair value through profit & loss account (b) 0 515 0 0 515 2
Non-current trade receivables (a) 0 0 0 0 0 2
Current trade receivables 0 0 0 64 516 64 516 2
Trade receivables (A) 0 0 0 64 516 64 516 2
Other non-current receivables (a) 0 0 0 3 278 3 278 2
Cash advances & deposits (a) 0 0 0 2 084 2 084 2
Other receivables (b) 0 0 0 17 009 17 009 2
Other receivables (B) 0 0 0 22 371 22 371 2
Loans to affiliates 0 0 0 3 826 3 826 2
Other loans 0 0 0 1 785 1 785 2
Non current loans (a) 0 0 0 5 611 5 611 2
Financial receivables (b) 0 0 0 28 834 28 834 2
Loans (C) 0 0 0 34 445 34 445 2
Cash and cash equivalents (D) 0 0 0 26 237 26 237 2
Total loans & receivables (A+B+C+D) 0 0 0 147 569 147 569
Other investments (available for sale investments) 0 0 395 0 395 2
Non-current receivables (sum of (a)) 0 0 0 10 973 10 973
Other receivables (sum of (b)) 0 515 0 45 843 46 358
Financial liabilities
Interest rate swaps designated as cash flow hedge relationship 6 486 0 0 0 6 486 2
Subtotal interest rate swaps designated as cash flow hedge
relationship (E)
6 486 0 0 0 6 486 2
Interest charges on foreign currency swaps 0 26 0 0 26 2
Trading/Economic hedge (FX forward) 0 611 0 0 611 2
Financial liability at fair value through profit & loss account (F) 0 637 0 0 637 2
Non current financial liabilities at amortised cost * 0 0 0 80 721 80 721 2
Current financial liabilities at amortised cost * (G) 0 0 0 29 940 29 940 2
2
Current financial liabilities (E+F+G) 6 486 637 0 29 940 37 063
* excluding financial leases and convertible bonds.

The gross amounts of the interest rate swaps designed as cash flow hedge relationship equal the net positions.

Financial risk management

The Group is managing a portfolio of derivative financial instruments to hedge foreign exchange and interest rate exposures resulting from operational and financial activities. It is the Group's policy not to engage in speculative or leveraged transactions or to hold or issue derivative financial instruments for trading purposes.

Interest rate risk management

Recticel is hedging the interest rate risk linked to its interest-bearing borrowings on a global basis. The main hedging instruments used to convert floating rate debt into fixed rate debt are Interest Rate Swaps (IRS) or Interest Rate Caps (CAPs). The amount of fixed rate arrangements in relation to total financial debt is reviewed on an on-going basis by the Finance Committee and adjusted as and when deemed appropriate. In this, the Finance Committee aims at maintaining an appropriate balance between fixed and floating rate arrangements based on a philosophy of sound spreading of interest rate risks.

In an interest rate swap ("IRS") agreement, the Group undertakes to pay or receive the difference between the amounts of interest at fixed and floating rates on a nominal amount. This type of agreement enables the Group to fix the rate on a portion of its floating rate debt in order to be protected against the risk of higher interest charges on a loan at floating interest rates.

The market value of the portfolio of interest rate swaps on the balance sheet date is the discounted value of the future cash flows from the contract, using the interest rate curves at that date.

The current portfolio of IRS covers a portion of such borrowings until February 2017 for EUR 10 million, until February 2018 for EUR 67 million and until October 2019 for EUR 10 million. The total IRS portfolio (EUR 87 million) qualifies for hedge accounting under the rules of IAS 39.

The weighted average life of the IRS portfolio is 3.2 years.

On 31 December 2014, the fair value of the interest rate swaps was estimated at EUR -7.0 million. The revaluation of the IRS portfolio directly impacts the Group equity (and not the profit and loss accounts) since these instruments are benefiting from a hedge accounting treatment based on periodic effectiveness testing validating the fact that those hedges perfectly match characteristics of underlying debt.

On 31 December 2014, there were no interest rate CAPs still outstanding.

The convertible bond (of which a EUR 26.0 million portion is booked as financial debt) and a portion of the total financial lease (i.e. EUR 6.0 million) were issued at a fixed rate; most other bank debt is contracted at floating rate. A current portfolio of derivative products provides a global hedge for a total of EUR 87.0 million at 31 December 2014, meaning that total fixed-rate arrangements represent 50% of the total debt.

For 2014

1. Hedge accounting

in thousand EUR
Group Recticel AT THE END OF THE
PRECEDING PERIOD
PAYMENT
OF INTERESTS
FAIR VALUE
RECOGNIZED
IN EQUITY
INTEREST
RECOGNIZED IN
INCOME STATEMENT
TRANSFER AT THE END OF THE
CURRENT PERIOD
Interest Rate Swaps (IRS) assets 0 0 0 6 0 6
Interest Rate Swaps (IRS) liabilities (6 486) 1 881 (298) (1 966) (166) (7 035)
Net position (6 486) 1 881 (298) (1 960) (166) (7 029)
Reference to II.4.3.

For 2013

1. Hedge accounting

in thousand EUR
Group Recticel AT THE END
OF THE PRECEDING
PERIOD
PAYMENT
OF INTERESTS
FAIR VALUE
RECOGNIZED
IN EQUITY
INTEREST
RECOGNIZED IN
INCOME STATEMENT
TRANSFER AT THE END
OF THE CURRENT
PERIOD
Interest Rate Swaps (IRS) assets 97 0 0 0 (97) 0
Interest Rate Swaps (IRS) liabilities (8 192) 1 419 2 203 (2 013) 97 (6 486)
Net position (8 095) 1 419 2 203 (2 013) 0 (6 486)
Reference to II.4.3.
in EUR
Group Recticel OUTSTANDING IRS PORTFOLIO AS OF 31 DEC 2014
START MATURITY RATE 2015 2016 2017 2018 FAIR VALUE
AS PER
31 DEC 2014
22/02/14 22/02/17 1.05% 10 000 10 000 0 0 (212)
22/02/13 22/02/18 1.07% 7 000 7 000 7 000 0 (201)
22/02/13 22/02/18 3.96% 25 000 25 000 25 000 0 (3 230)
22/02/13 22/02/18 3.80% 12 500 12 500 12 500 0 (1 540)
22/02/13 22/02/18 3.64% 12 500 12 500 12 500 0 (1 466)
22/02/14 22/02/18 1.12% 10 000 10 000 10 000 0 (306)
6/10/14 6/10/19 0.48% 10 000 10 000 10 000 10 000 (74)
Average rate 2.60% 87 000 87 000 77 000 10 000 (7 029)

Sensitivity on interest rate

The Group's interest rate risk exposure derives from the fact that it finances at both fixed and variable interest rates. The Group manages the risk centrally through an appropriate structure of loans at fixed and variable interest rates and through interest rate swaps (IRS) and interest cap contracts (caps). The interest rate hedges are evaluated regularly to bring them in line with the Group's view of the trend in interest rates on the financial markets, with the aim of stabilising the interest rate burden throughout the various economic cycles.

Equity impact

Had the interest rates yield curve risen by 100 basis points, with all other parameters unchanged, the Group's profit in 2014 would not have been impacted by the change in 'marked-tomarket' value of the derivatives. However the reserves in equity would have increased by EUR 3.2 million as a result of the change in the 'marked-to-market' value of the interest rate swaps concluded to hedge the outstanding debts (compared to EUR 3.4 million in 2013).

Conversely, had the interest rates yield curve fallen by 100 basis points, with all other parameters unchanged, the reserves in equity would have decreased by EUR 3.3 million as a result of the fall in the 'marked-to-market' value of the interest rate swaps concluded to hedge the debts (compared to EUR 3.5 million in 2013).

The sensitivity to interest rate variations decreased in 2014 compared to 2013, due to the effect of a lower modified duration (from 4.16% to 3.25%), and, despite an increase in the nominal amount of the portfolio (from EUR 77 million in 2013 to EUR 87 million in 2014).

Profit and loss impact

Had the interest rates yield curve risen by 100 basis points, with all other parameters unchanged, the Group's profit in 2014 would have decreased by EUR 1.1 million (debt with floating rate without hedge), compared to EUR 1.2 million in 2013.

Conversely, had the interest rates yield curve fallen by 100 basis points, with all other parameters unchanged, the Group's profit in 2014 would have decreased by EUR 0.5 million, compared to an increase of EUR 1.2 million in 2013.

Exchange risk management

It is the Group's policy to hedge foreign exchange exposures resulting from financial and operational activities via Recticel International Services SA/NV (RIS), which acts as internal bank of the Group. This is mainly implemented through forward exchange contracts.

In general, the Group concludes forward exchange contracts to cover foreign exchange risks on incoming and outgoing payments in foreign currency. The Group also concludes forward exchange contracts and option contracts to cover exchange risks associated with planned sales and purchases of the year, at a percentage which varies according to the predictability of the payment flows.

At balance sheet date, forward exchange contracts were outstanding for a notional value of EUR 51.4 million and with a total fair value of EUR -0.4 million. The currency swap contracts, maturing under 12 months, have a notional value of EUR 39.5 million, corresponding to a total fair value of EUR -0.2 million. At balance sheet date, no currency option contracts were outstanding. Recticel does not apply hedge accounting treatment to FX contracts as they are all less than 1 year.

Trading/economic hedge assets amounted to EUR 0.5 million of which EUR 0.2 million for foreign exchange swaps and EUR 0.3 million for foreign exchange forwards.

Trading/economic hedge liabilities amounted to EUR -1.0 million of which EUR -0.4 million as foreign exchange swap and EUR -0.6 million as foreign exchange forwards.

Foreign exchange risks relating to a net investment in foreign currency are also hedged selectively. At balance sheet date, there was only one hedge of this type to lower the net investments in CHF for an amount of CHF 8 million. In so far as these investments and hedge are long term, the revaluation of these investments and the hedge thereof is undertaken via an equity account and not via the income statement.

Overview of forward exchange contracts

in thousand EUR
Group Recticel NOMINAL VALUE FAIR VALUE
POSITIVE
AT 31 DEC 2014
FAIR VALUE
NEGATIVE
AT 31 DEC 2014
NET FAIR VALUE
AT 31 DEC 2014
RECOGNISED
IN THE INCOME
STATEMENT
OF 2014
RECOGNISED
IN THE INCOME
STATEMENT OF
PREVIOUS YEARS
Forward purchasing contracts less than 6 months 39 363 247 (384) (137) 554 (691)
Forward purchasing contracts more than 6 months 0 0 0 0 148 (148)
Forward sale contracts less than 6 months 12 101 48 (149) (101) 255 (356)
Forward sale contracts more than 6 months 0 0 0 0 192 (192)
Total forward exchange contracts 51 464 295 (a) (533) (b) (238) 1 149 (1 387)
in thousand EUR
Group Recticel NOMINAL VALUE FAIR VALUE POSITIVE
AT 31 DEC 2013
FAIR VALUE
NEGATIVE AT 31 DEC 2013
NET FAIR VALUE
AT 31 DEC 2013
RECOGNISED
IN THE INCOME STATEMENT
OF 2013
RECOGNISED
IN THE INCOME
STATEMENT OF
PREVIOUS YEARS
Forward purchasing contracts less than 6 months 26 797 215 (99) 116 (691) 807
Forward purchasing contracts more than 6 months 15 026 22 (112) (90) (148) 58
Forward sale contracts less than 6 months 11 682 13 (145) (132) (356) 224
Forward sale contracts more than 6 months 1 172 0 (10) (10) (192) 182
Total forward exchange contracts 54 677 250 (a) (366) (b) (116) (1 387) 1 271

Overview of currency swap contracts

in thousand EUR
Group Recticel NOMINAL VALUE FAIR VALUE
POSITIVE AT
31 DEC 2014
FAIR VALUE
NEGATIVE AT
31 DEC 2014
FAIR VALUE NET
AT 31 DEC 2014
Sales / Purchases 20 114 24 (389) (365)
Purchases / Sales 19 397 153 (1) 152
Total currency swap contracts 39 511 177 (a) (390) (b) (213)
in thousand EUR
Group Recticel NOMINAL VALUE FAIR VALUE POSITIVE AT 31
DEC 2013
FAIR VALUE NEGATIVE AT 31
DEC 2013
FAIR VALUE NET
AT 31 DEC 2013
Sales / Purchases 27 306 146 (32) 114
Purchases / Sales 21 534 119 (213) (94)
Total currency swap contracts 48 840 265 (a) (245) (b) 20

Trading/Economic hedge (FX forward) – Reference II.5.22.

in thousand EUR
Group Recticel 2014 2013
Assets (sum of (a)) 432 360
Liabilities (sum of (b)) (963) (611)
Trading/Economic hedge (FX forward) (531) (251)

Sensitivity analysis on the foreign exchange risks

The Group deals mainly in 5 currencies outside the euro zone: GBP, USD, CHF, SEK, and CZK.

The following table details the sensitivity of the Group to a positive or negative variation, compared to the annual variation in the pairs of currencies during the previous financial year.

The sensitivity analysis covers only the financial amounts in foreign currency which are recognised in the balance sheet and which are due and past due, and determines their variations at the conversion rates based on the following assumptions: USD and GBP 10%; CZK, , CHF and SEK 5%.

The sensitivity analysis covers both external and internal loans of the Group where the currency of the operations differs from the local currency of the borrower and lender. A positive amount in the table below indicates an increase in the gain if the EUR strengthens by the given historical annual average. An equal counterpart loss will be measured if the EUR weakens by the same percentage.

The sensitivity of the Group to exchange rate variations increased in 2014 compared to 2013, due to higher net exposures. The only decrease relates to the USD, as more economic hedges were concluded to cover USD receivables linked to the new business in China.

in thousand EUR
EUR/USD EUR/CHF EUR/GBP EUR/CZK EUR/SEK
Group Recticel 2014 2013 2014 2013 2014 2013 2014 2013 2014 2013
Historical average variation 10% 10% 5% 5% 10% 10% 5% 5% 5% 5%
Profit or (loss) recognized in the P&L account 781 167 84 218 1 374 1 156 339 75 83 311
Profit or (loss) recognized in equity 0 0 (333) 326 0 0 0 0 0 0
Financial assets * 10 368 17 167 4 026 4 722 7 227 15 509 18 041 4 147 1 697 9 667
Financial liabilities * (13 914) (20 219) (13 863) (10 872) (17 132) (165) (26 216) (21 753) (4 327) (582)
Derivatives (4 264) 1 386 1 500 3 991 23 650 (26 902) 1 388 16 099 4 300 (2 871)
Total net exposure (7 811) (1 666) (8 336) (2 159) 13 744 (11 558) (6 786) (1 507) 1 670 6 214

* includes trade and other receivables and trade and other payables.

Financial assets and liabilities represent the foreign currency exposure of the different subsidiaries of the Group in relation to their local currency.

Liquidity risk

Since the crisis on the financial markets in 2007-2009, the liquidity risk of the Group has always remained well under control.

The financing sources are well diversified and the bulk of the debt is irrevocable and long-term. This debt includes the EUR 57.5 million convertible bond loan concluded in July 2007 and expiring in July 2017 (of which EUR 11.2 million was bought back in 2008, EUR 17.3 million in 2009 and EUR 1.4 million in 2011). It also includes the 5-year club deal concluded on 09 December 2011 for an amount of EUR 175 million. In addition, the Group still holds EUR 20.2 million in other long-term debt.

In addition to these long-term loans, the Group has a diversified range of short-term financing sources, including non-recourse factoring and forfaiting programmes.

The diversified financing structure and the availability of committed unused credit facilities for EUR 54.4 million (2013: EUR 68.1 million) guarantee the necessary liquidity to ensure the future activities and to meet the short- and medium-term financial commitments.

The Group does not enter in financial instruments that require cash deposits or other guarantees (e.g. margin calls).

The club deal is subject to bank covenants based on an adjusted leverage ratio, an adjusted interest cover and a minimum equity requirement. At the end of 2014, Recticel complied with all its bank covenants. On the basis of the 2015 budget and the business plan management expects to be in a position to meet its bank covenants in the coming year.

As stated in the club deal, the maximum dividend authorised for distribution amounts to the highest of (i) 50% of the consolidated net income of the Group for the previous financial year and (ii) EUR 8.0 million.

The convertible bond issued by Recticel is not subject to any financial covenants.

For the year ending 2014

in thousand EUR
Group Recticel NOTES MATURING WITHIN ONE YEAR MATURING
BETWEEN 1 AND 5 YEARS
MATURING AFTER 5 YEARS TOTAL LONG- TERM FUTURE FINANCIAL
CHARGES
CARRYING
AMOUNT
Bonds and notes 1 614 34 820 0 36 434 (10 397) 26 037
Financial leases 3 358 9 780 7 980 21 118 (3 009) 18 109
Bank loans 3 500 102 740 0 106 240 (7 000) 99 240
Other loans 270 937 1 650 2 857 (786) 2 071
Total Financial liabilities - long term 8 742 148 277 9 630 166 649 (21 192) 145 457 II.5.18.1.
Bank loans 27 635
Bank loans - forfeiting 1 598
Bank loans - factoring with recourse 442
Bank overdraft 10 019
Other financial debt 221
Current accounts & cash pooling 0
Accrued liabilities - financial short term 108
Total Financial liabilities - short term (a) 40 023
Interest rate swaps 0
7 035
0 7 035
Interest from FX swaps 35 35
Trading/economic hedge 963 963
Derivative instruments at fair value (b) 998 7 035 0 8 033
Grand total financial liabilities due within one year 49 763
Non-current financial liabilities I.4.
142 135
Current portion of non-current financial liabilities (b) 3 322
Total 145 457
Total financial liabilities - short term (a) 40 023
Derivative instruments at fair value (b) 8 033
Current portion of non-current financial liabilities (c) 3 322
Interest accruals on non-current financial liabilities 1 420
Total current financial liabilities I.4. 52 798

For the year ending 2013

in thousand EUR
Group Recticel NOTES MATURING WITHIN
ONE YEAR
MATURING
BETWEEN 1 AND 5 YEARS
MATURING AFTER 5 YEARS TOTAL LONG- TERM FUTURE FINANCIAL
CHARGES
CARRYING
AMOUNT
Bonds and notes 26 918 0 0 26 918 (1 382) 25 536
Financial leases 3 393 11 994 9 330 24 717 (3 629) 21 088
Bank loans 2 506 82 806 0 85 312 (6 462) 78 850
Other loans 234 920 1 600 2 754 (649) 2 105
Total Financial liabilities - long term 33 051 95 720 10 930 139 701 (12 122) 127 579 II.5.18.1.
Bank loans 22 812
Bank loans - forfeiting 2 643
Bank loans - factoring with recourse 574
Bank overdraft 2 400
Other financial debt 26
Current accounts & cash pooling 111
Accrued liabilities - financial short term 593
Total Financial liabilities - short term (a) 29 159
Interest rate swaps 6 486 0 6 486
Interest from FX swaps 26 26
Trading/economic hedge 611 611
Derivative instruments at fair value (b) 637 6 486 0 7 123
Grand total financial liabilities due within one year 62 847
Non-current financial liabilities I.4. 98 834
Current portion of non-current financial liabilities (b) 28 745
Total 127 579
Total financial liabilities - short term (a) 29 159
Derivative instruments at fair value (b) 7 123
Current portion of non-current financial liabilities (c) 28 745
Interest accruals on non-current financial liabilities 1 154
Total current financial liabilities I.4. 66 181

II.5.22. Trade and other payables

Trade and other payables principally comprise amounts outstanding for trade purchases, on-going costs and the liability of EUR 13.4 million regarding the European Commission fine, for which Recticel submitted a request to spread the payments over a longer time horizon. The Group accepted shorter payment terms under the contracts offering substantial cash discounts. Consequently, the level of trade payables decreased compared to the previous year.

The item "Other payables" relates principally to the reversal of various operational accruals.

II.5.23. Business combinations and disposals

During 2014 there were no material business combinations. In 2013, the Group sold it participation in IPF, Spain (Flexible Foams).

II.5.24. Capital structure management

Level of debt

At the end of 2014, the consolidated net financial debt remained stable at EUR 168.2 million (end 2013: EUR 138.2 million). The level of debt represents 101.3% of equity (2013: 74.0%). The Group aims for gradual improvement in the level of debt in the coming years.

II.6. Miscellaneous

II.6.1. Operating lease arrangements

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Payments due within one year (24 399) (23 348)
Between one and five years (53 923) (56 411)
Over five years (27 858) (31 150)
Minimal future payments (106 180) (110 909)

Operating lease payments represent rentals payable by the Group for certain of its industrial and/or office properties and for certain production, logistic and /or administrative equipment.

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Operating lease - land and buildings (14 672) (14 897)
Operating lease - plant, machinery and equipment (3 061) (3 451)
Operating lease - furniture (299) (456)
Operating lease - vehicules (7 772) (8 008)
Total (25 804) (26 812)

The above table only comprises the recognized lease payments of the financial period.

II.6.2. Other off-balance sheet items

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
Guarantees given or irrevocably promised by Recticel SA/NV as security for debts and commitments of companies 70 891 68 525

These guarantees include mainly parental corporate guarantees and letters of comfort for commitments contracted by subsidiaries with banks (EUR 39.1 million), lessors (EUR 16.2 million), governmental institutions (EUR 2.2 million), European Commission (EUR 13.4 million) and other third parties (EUR 0.03 million).

As already mentioned above, in December 2011, Recticel SA/NV and Recticel International Services SA/NV concluded a joint credit facility agreement ('club deal') amounting to EUR 175 million. Under this club deal and the agreement relating to the subordinated loans, Recticel SA/NV and/or its subsidiaries have granted a floating charge mandate in favour of the banks up to a maximum amount of EUR 175 million plus interest and related costs.

II.6.3. Share-based payments

Since 1993, the Recticel Group has implemented a Group Stock Option Plan for its leading managers. All issued stock options up to and including 2000 have in the meantime been exercised, forfeited or they have expired.

Overview of the outstanding stock options per 31 December 2014

ISSUE NUMBER OF WARRANTS
ISSUED
NUMBER OF WARRANT NOT
YET EXERCISED
EXERCISE PRICE (IN EUR) EXERCISE PERIOD
2006 306 000 300 000 9.65 01/Jan/10 - 21/Dec/17
May 2007 48 000 43 500 10.47 01/Jan/11 - 01/May/18
Dec 2007 390 000 390 000 9.78 01/Jan/11 - 02/Dec/18
Dec 2009 584 000 244 000 5.05 01/Jan/13 - 21/Dec/15
May 2011 354 500 335 000 7.69 01/Jan/15 - 29/May/17
Dec 2011 438 000 411 500 4.03 01/Jan/15 - 21/Dec/17
Dec 2012 326 800 300 900 4.95 01/Jan/16 - 20/Dec/18
Apr 2014 316 000 300 100 6.73 1/Jan/18 - 28/Apr/20
Total 2 763 300 2 325 000

The expense recognised for the year for the share-based payments amounts to EUR 0.171 million (2013: EUR 0.249 million).

A more general overview showing the trend during 2014 is given below.

in units
Group Recticel 2014 2013
Options - end of period (31 Dec) 2 325 000 2 971 400
Weighted average exercise price (in EUR) 6.89 5.60
Outstanding at the beginning of the period 2 971 400 2 987 300
Granted during the period 316 000 0
Expired during the period 245 500 0
Exercised during the period 716 900 15 900
Outstanding at the end of the period 2 325 000 2 971 400
Total exercisable at the end of the period 977 500 1 852 100
Total 'in-the-money' at the end of the period 956 400 1 872 906
Total exercisable and 'in-the-money' at the end of the period 244 000 1 108 100

The options outstanding at 31 December 2014 had a weighted average exercise price of EUR 6.89, and a weighted average remaining contractual life of 3.27 years.

The Group follows the transitional provisions prescribed by IFRS 2 (i.e. equity instruments granted after 7 November 2002 and not yet vested on 1 January 2008).

In 2014, 716,900 warrants were exercised, and one new warrant plan (316,000 warrants with exercise price of EUR 6.73) was issued.

To date, the Group has not issued share appreciation rights to any of its managers or employees, nor has it implemented any share purchase plan.

The theoretical value of the warrants at issuance is calculated by applying the Black & Scholes formula, and taking into account certain hypotheses regarding dividend payment (last dividend compared to share price), interest rate (Euribor 5 years) and volatility (stock market data on the Recticel share).

Overview of the outstanding warrants held by the members of the Management Committee

in units
ISSUEa NUMBER OF WARRANTS OFFERED
TO THE MEMBERS OF THE
MANAGEMENT COMMITTEE
NUMBER OF WARRANTS
CANCELLED
2006 122 000 0
May 2007 15 000 0
Dec 2007 159 500 0
Dec 2009 223 500 0
May 2011 168 500 0
Dec 2011 205 500 0
Dec 2012 129 000 0
Apr 2014 129 000 9 900b
Total 1 152 000 9 900

a the conditions of the various issues are reflected in the global overview table herabove. 9,900 warrants offered to Rik De Vos have been cancelled following his departure end 2014.

The following members of the Management Committee received the following warrants for the 2014 series:

in EUR
NAME TOTAL NUMBER
OF WARRANTS
TOTAL THEORETICAL VALUE
OF WARRANTS
AT ISSUANCE (*)
Olivier Chapelle 30 000 25 380.00
Betty Bogaert 9 900 8 375.40
Philipp Burgtorf 9 900 8 375.40
Marc Clockaerts 9 900 8 375.40
Jean-Pierre De Kesel 9 900 8 375.40
Rik De Vos 9 900 8 375.40
Jean-Pierre Mellen 9 900 8 375.40
Jan Meuleman 7 000 5 922.00
François Petit 9 900 8 375.40
Dirk Verbruggen 9 900 8 375.40
Bart Wallaeys 9 900 8 375.40
Paul Werbrouck 9 900 8 375.40

(*) The theoretical value is calculated by using a Black & Scholes formula, and taken into account certain hypotheses regarding dividend yield, interest rate and volatility,

II.6.4. Events after the balance sheet date

Industrial Insulation

On 18 February 2015 Recticel announced that it has sold its 50% participation in the joint venture company Kingspan Tarec Industrial Insulation (KTII) to its joint venture partner Kingspan Group plc, who consequently will own 100% of the shares of KTII nv (Turnhout, Belgium) and KTII Ltd (Glossop, United Kingdom).

Kingspan Tarec Industrial Insulation (KTII) develops and produces premium performance insulation products for the thermal insulation of pipework in process and petrochemical applications and for the cool truck industry. KTII was established in 2006 by Recticel and Kingspan, when both companies decided to combine their respective industrial insulation activities. In 2014, KTII realised annual sales of circa EUR 31 million.

Recticel sells its 50% stake in KTII for a consideration of EUR 8.5 million (enterprise value).

Transactions with joint ventures and associates: 2014

in thousand EUR
Group Recticel NON-CURRENT
RECEIVABLES
TRADE
RECEIVABLES
OTHER CUR
RENT
RECEIVABLES
FINANCIAL
LIABILITIES
OTHER
PAYABLES
TRADE
PAYABLES
REVENUES PURCHASES
Total Orsafoam companies 0 703 1 194 0 0 209 160 (268)
Total Eurofoam companies 0 1 824 42 0 0 3 166 25 307 (20 297)
Kingspan Tarec Industrial Insulation nv 0 127 198 0 0 57 64 (131)
Total Proseat companies 5 033 3 983 4 144 0 13 358 17 33 011 188
TOTAL 5 033 6 637 5 578 0 13 358 3 449 58 542 (20 508)

Transactions with joint ventures and associates: 2013

in thousand EUR
Group Recticel NON-CURRENT
RECEIVABLES
TRADE RECEIVABLES OTHER CURRENT
RECEIVABLES
FINANCIAL
LIABILITIES
OTHER PAYABLES TRADE PAYABLES REVENUES PURCHASES
Total Orsafoam companies 0 527 1 241 0 0 160 193 (405)
Total Eurofoam companies 0 3 579 63 0 0 2 484 23 966 (19 816)
Kingspan Tarec Industrial Insulation nv 0 217 1 622 0 0 4 42 (17)
Total Proseat companies 3 825 1 209 4 108 0 13 417 37 31 656 91
TOTAL 3 825 5 532 7 034 0 13 417 2 685 55 857 (20 147)

Automotive-Seating

Mid-February 2015, Proseat, the 51/49 joint venture between Recticel and Woodbridge, announced its intention to close its plant in Rüsselsheim (Germany). All 77 employees at the site have been put under risk of redundancy. Discussions with the works council already started in order to identify the most appropriate social support measures.

The related closure costs will be charged to the results of 1H2015.

II.6.5. Related party transactions

Transactions between Recticel SA/NV and its subsidiaries, which are related parties, have been eliminated in the consolidation and are not disclosed in this note. Transactions with other related parties are disclosed below, and concern primarily commercial transactions done at prevailing market conditions. The tables below include only transactions considered to be material, i.e. exceeding a total of EUR 1 million.

Transactions with Directors and companies linked to Directors

COUNTERPARTY
CLASSIFICATION
Group Sioen
Sales
in thousand EUR
TRADE RECEIVABLES
118
Group Sioen Purchases 1 051

II.6.6. Remuneration of the Board of Directors and of the Management Committee

The remuneration of the members of the Board of Directors and of the Management Committee is included in this note. For more information, reference is made to the remuneration report in the section 'Corporate Governance' of this annual report.

Gross remuneration for the members of the Board of Directors

in EUR
NAME DIRECTOR'S
FEES 2014
ATTENDENCE
FEES BOARD 2014
AUDIT
COMMITTEE 2014
REMUNERATION
AND
NOMINATION
COMMITTEE 2014
REMUNERATION
FOR SPECIAL
ASSIGNMENTS
TOTAL (GROSS)
2014
DAVIGNON Etienne 18 000.00 36 300.00 12 500.00 - - 66 800.00
OLIVIER CHAPELLE SPRL 9 000.00 18 150.00 - - - 27 150.00
PAQUOT Guy 2 250.00 1 650.00 - - - 3 900.00
ANDRÉ BERGEN Comm V 9 000.00 14 850.00 15 000.00 2 500.00 - 41 350.00
COMPAGNIE DU BOIS SAUVAGE SERVICES SA 9 000.00 16 500.00 - 2 500.00 - 28 000.00
COMPAGNIE DU BOIS SAUVAGE SA 5 365.38 11 550.00 - - - 16 915.38
DE SMEDT Pierre-Alain 9 000.00 16 500.00 - 3 750.00 - 29 250.00
ENTREPRISES ET CHEMINS DE FER DE CHINE SA 5 810.44 16 500.00 - 22 310.44
MARION DEBRUYNE BVBA 9 000.00 9 900.00 - 2 500.00 - 21 400.00
IMRADA BVBA 9 000.00 11 550.00 - - - 20 550.00
REVAM BVBA 9 000.00 16 500.00 12 500.00 - - 38 000.00
VAN CRAEN Patrick 9 000.00 18 150.00 12 500.00 - - 39 650.00
ZOETE Jacqueline 9 000.00 18 150.00 - - - 27 150.00
TOTAL 112 425.82 206 250.00 52 500.00 11 250.00 0.00 382 425.82

Gross remuneration for the members of the Board of Directors

in EUR
NAME DIRECTOR'S FEES
2013
ATTENDENCE
FEES BOARD 2013
AUDIT
COMMITTEE 2013
REMUNERATION
AND
NOMINATION
COMMITTEE 2013
REMUNERATION
FOR SPECIAL
ASSIGNMENTS
TOTAL (GROSS)
2013
DAVIGNON Etienne 18 000.00 23 100.00 12 500.00 - - 53 600.00
OLIVIER CHAPELLE BVBA 9 000.00 11 550.00 - - - 20 550.00
PAQUOT Guy 9 000.00 6 600.00 - - - 15 600.00
VEAN NV 3 659.34 1 650.00 - - - 5 309.34
ANDRÉ BERGEN Comm V 9 000.00 11 550.00 22 500.00 2 500.00 - 45 550.00
COMPAGNIE DU BOIS SAUVAGE SERVICES SA 9 000.00 11 550.00 - - - 20 550.00
DE SMEDT Pierre-Alain 9 000.00 6 600.00 - 3 750.00 - 19 350.00
DEBRUYNE Marion 4 153.85 3 300.00 - 2 500.00 - 9 953.85
MARION DEBRUYNE BVBA 4 846.15 6 600.00 - - - 11 446.15
MERCKX Ingrid 3 115.38 1 650.00 - - - 4 765.38
IMRADA BVBA 5 884.62 6 600.00 - - - 12 484.62
REVAM BVBA 9 000.00 11 550.00 15 000.00 - - 35 550.00
VAN CRAEN Patrick 9 000.00 11 550.00 10 000.00 - - 30 550.00
VAN DOORSLAER Tonny 3 659.34 3 300.00 5 000.00 - - 11 959.34
ZOETE Jacqueline 9 000.00 9 900.00 - - - 18 900.00
TOTAL 115 318.68 127 050.00 65 000.00 8 750.00 0.00 316 118.68

Gross remuneration for the members of the Management Committee

in EUR
TOTAL COST FOR THE COMPANY REPRESENTED BY OLIVIER CHAPELLE OLIVIER CHAPELLE SPRL MANAGEMENT COMMITTEE OTHER MEMBERS OF THE TOTAL
2014 2013 2014 2013 2014 2013
Number of persons 1 1 13 12 14 13
Basic salary 486 000 486 000 2 563 853 2 769 803 3 049 853 3 255 803
Variable remuneration 243 148 243 148 788 664 784 937 1 031 812 1 028 085
Subtotal 729 148 729 148 3 352 517 3 554 740 4 081 665 4 283 888
Pensions 0 0 154 660 144 341 154 660 144 341
Other benefits 60 206 71 243 281 378 268 389 341 584 339 632
Total 789 354 800 391 3 788 555 3 967 470 4 577 909 4 767 861

II.6.7. Exchange rates

in EUR
CLOSING RATE AVERAGE RATE
Group Recticel 2014 2013 2014 2013
Bulgarian Lev BGN 0.511300 0.511300 0.511300 0.511300
Swiss Franc CHF 0.831670 0.814598 0.823301 0.812309
Yuan Renminbi CNY 0.132700 0.119773 0.122164 0.122480
Czech Crown CZK 0.036056 0.036460 0.036316 0.038492
Pound Sterling GBP 1.283862 1.199472 1.240510 1.177502
Forint HUF 0.003169 0.003367 0.003239 0.003368
Indian Rupee INR 0.013035 0.011714 0.012339 0.012832
Yen JPY 0.006886 0.006910 0.007127 0.007712
Lithuanian Litas LTL 0.289620 0.289620 0.289620 0.289620
Moroccan Dirham MAD 0.090972 0.088976 0.089629 0.089477
Norwegian Krone NOK 0.110595 0.119574 0.119698 0.128095
Zloty PLN 0.234017 0.240714 0.238991 0.238238
Romanian Leu (new) RON 0.223075 0.223664 0.225036 0.226296
Serbian Dinar RSD 0.008238 0.008722 0.008515 0.008841
Russian Rouble RUB 0.013824 0.022063 0.019626 0.023620
Swedish Krona SEK 0.106462 0.112878 0.109908 0.115586
Turkish Lira (new) TRY 0.353107 0.337781 0.344057 0.394705
Ukrainian Hryvnia UAH 0.052032 0.088460 0.062111 0.092104
US Dollar USD 0.823655 0.725111 0.752728 0.752945

II.6.8. Staff

in thousand EUR
COUNTERPARTY 31 DEC 2014 31 DEC 2013
Management Committee 14 13
Employees 1 876 1 845
Workers 4 036 4 170
Average number of people employed (full time equivalent) on a consolidated basis (i.e. excluding joint ventures) 5 926 6 028
Average number of people employed in Belgium 1 063 1 077
Remuneration and social charges (in thousand EUR) 253 149 256 874

II.6.9. Audit and non-audit services provided by the statutory auditor

Overview of the audit fees and additional services performed for the Group by the auditor and companies related to the auditor for the year ending 31 December 2014.

in thousand EUR
Group Recticel DELOITTE OTHERS
Audit fees 949 373
Other legal missions 96 0
Tax services 249 90
Other services rendered related to other assurance reporting 273 35
Total fees in 2014 1 567 498

In the above overview the fees of the joint venture companies are included at 100%.

II.6.10. Contingent assets and liabilities

II.6.10.1. Information on Investigations

European level

In 2010, officials from the European Commission and various national antitrust authorities conducted unannounced inspections at Recticel's offices in Brussels, Wetteren, and Alfreton (United Kingdom), as well as the office of Eurofoam in Kremsmünster (Austria). The purpose of these inspections was to collect information relating to allegedly unlawful conduct believed to have taken place in the European polyurethane foam sector.

In January 2014, the European Commission adopted a decision in which it found that Recticel and some of its subsidiaries participated in an infringement of article 101 TFEU from 26 October 2005 until 27 July 2010 in Germany, Austria, Hungary and Poland, France, Belgium, The Netherlands, the United Kingdom, from 1 January 2007 to 27 July 2010 in Romania and from 9 July 2007 to 27 July 2010 in Estonia. Under the settlement decision, Recticel's effective total fine, including Recticel's 50% share of the fine relating to Eurofoam's conduct, is EUR 26,976,500. Recticel's liability amounted to EUR 39,068,000 and consists of three components:

  • EUR 14,819,000 for which Recticel, Eurofoam, and Eurofoam's other 50% shareholder Greiner are jointly and severally liable, which will be borne by Eurofoam (and therefore indirectly for 50% by Recticel);
  • EUR 9,364,000 for which Recticel and Greiner are jointly and severally liable, which will be shared equally between Recticel and Greiner; and
  • EUR 14,885,000 for which Recticel is solely liable.

This lead to an effective total amount payable for Recticel of EUR 26,976,500.

The total amount of the fine to be paid was provisioned (for the total amount of the fine) in the accounts of 2013.

In April 2014, Recticel obtained confirmation by the European Commission's Directorate General for Budget allowing it to pay its fine (excluding the fine to be paid by the joint venture Eurofoam which had paid its fine in full when it became due) in three annual instalments on 30 April 2014, 2015 and 2016. On [30 April 2015], the Group paid EUR 13.9 million (including its portion in the Eurofoam fine). The balance of the fine will be paid on 30 April 2015 (EUR 6.5 million) and on 30 April 2016 (EUR 6.9 million), and is covered by a bank guarantee and is booked in the balance sheet under the header Other Debt.

Spain

On 6 March 2013, the Spanish Competition Authority adopted a decision in which it imposed a fine of EUR 9,358,000 upon Recticel's Spanish subsidiary, Recticel Ibérica S.L.U., for the infringement of article 1 of the Spanish Competition Act and article 101 TFEU for the period between January 1992 until 9 August 2010 and jointly with Recticel for the period between 1999 until 9 August 2010. The Spanish Competition Authority exempted Recticel Ibérica S.L.U. and Recticel from the payment of the fine because Recticel fulfilled, as an immunity applicant, the requirements for exemption set forth by the applicable legislation. All companies which had been fined have appealed the decision. It is expected that Recticel's exemption of the payment of the fine will not be affected by the outcome of these appeals. For the appeals which have been decided up to date, Recticel's position has not been affected.

Germany

In 2011, the German Federal Cartel Office started an investigation covering the sector of mattress and slat base manufacturers in Germany. Recticel's German bedding affiliate, Recticel Schlafkomfort GmbH, in Bochum was included in the investigation.

On 28 August 2014, the German Competition Authority adopted a decision in which it imposed upon Recticel Schlafkomfort GmbH a fine of EUR 8,208,169.35 (including costs) for the infringement of the relevant competition laws from July 205 until December 2009. Recticel Schlafkomfort GmbH did not appeal the decision, which has therefore become final. A provision for the total amount of this fine was booked in the accounts per 30 June 2014. The fine was fully paid in September 2014.

II.6.10.2. Investigation into irregularities

In 2013, the Company identified certain irregularities that took place in one of its subsidiaries over the period 2001 through 2010. The Company investigated these irregularities, proceeded with a regularisation and included a provision of EUR 1.2 million in its financial statements for the financial year ended on 31 December 2012. The Company does not expect these irregularities to further materially affect the Group.

Legal and arbitration proceedings

The Group has been the subject of antitrust investigations at European and national level (see above - European level - and - Germany -) and is currently involved in various appeals procedures in Spain which have been started by competitors after a decision rendered by the Spanish competition authority in 2013 (see above II.6.10.1.). It cannot be excluded that claims (including class actions claims) based on the same facts, may arise. In 2014, the Italian antitrust authority initiated a procedure in which Orsafoam s.p.a. (in which the Group holds a 33% minority stake) is involved. As the investigation is still in an early stage, the Group does not yet have any information on its evolution and outcome.

A claim has been issued by a group of customers in the United Kingdom, including Hilding Anders International AB, Euro Comfort Holding GmbH, GNG Group Yorkshire PLC, Airsprung Group PLC and Hypnos Limited, in which these persons allege harm with regard to the European Commission's cartel decision (see also above - European level -). An informed judgment about the merits of this claim or the amount of potential loss for the Company, if any, cannot be made at this stage. Therefore, no provisions have been made in connection thereto. There is also a risk that the Company may become subject to additional legal proceedings and claims brought by other customers allegedly adversely affected by the conduct covered by the European Commission's cartel decision. However, the Company cannot predict to what extent such claims will be asserted, nor speculate on the merits of such potential claims nor on the amount of potential loss for the Company, if any, that might be incurred.

Recticel is involved in several litigation proceedings with a German distributor who claims that the Group has unjustifiably ceased its supply to it. So far, Recticel has received favourable judgments in the various court cases. Management feels confident that it can successfully defend the claims in the appeal proceedings initiated by the German distributor.

The Group is currently discussing a negotiated settlement with one of its German works councils in relation to a past restructuring of one of its German activities. Recticel is of the opinion that it in case litigation would be continued, there would be good arguments to defend the claim raised by the works councils.

Recticel has initiated opposition proceedings against the patent application of a Swiss competitor which had been developed by and has been since many years used by the Group. If such patent would be granted and the Swiss competitor would choose to enforce its patent towards the Group, Recticel is of the opinion that it would have good arguments to be entitled to continue to use the patented technology without material limitations.

Recticel is involved in litigation with a Dutch competitor in respect of the use of a trademark by such competitor. Recticel lost the proceedings at first instance, but was successful in the appeal proceedings before the appeal court. The Dutch competitor has the option to present the case to the Dutch supreme court for a revision of the legal reasoning of the case but will be precluded from submitting further facts. Recticel is of the opinion that the legal reasoning of the appeal courts will be upheld by revision, should the Dutch supreme court take the case up.

The Group is also subject to various tax inspections which may entail litigation or other legal proceedings and is involved in various litigations related to intellectual property (other than set out above), where Recticel has a policy of actively enforcing its patent and trademark portfolio (such as e.g. its gelfoam patent).

As of 31 December 2014, total litigation provisions amounted to EUR 69.878 in the combined financial statements.

III. Recticel sa/nv - General information

Recticel SA/NV

Address: Avenue des Olympiades, 2 B-1140 Brussels (Evere)

Established: on 19 June 1896 for thirty years, later extended for an unlimited duration.

Object: (article 3 of the Coordinated Articles) The object of the company is the development, production, conversion, trading, buying, selling and transportation, on its own account or on behalf of third parties, of all plastics, polymers, polyurethanes and other synthetic components, of natural substances, metal products, chemical or other products used by private individuals or by industry, commerce and transport, especially for furniture, bedding, insulation, the construction industry, the automotive sector, chemicals, petrochemicals, as well as products belonging to or necessary for their production or which may result or be derived from this process.

It may achieve its object in whole or in part, directly or indirectly, via subsidiaries, joint ventures, participations in other companies, partnerships or associations.

In order to achieve this object, it can carry out all actions in the industrial, property, financial or commercial field which are associated with its object directly or indirectly, in whole or in part, or which would be of a nature to promote, develop or facilitate its operation or its trade or that of the companies, partnerships or associations in which it has a participation or an interest; it can in particular develop, transfer, acquire, rent, hire out and exploit all movable and immovable goods and all intellectual property.

Legal form: naamloze vernnootschap / société anonyme (limited company)

Recorded in the Brussels register of legal entities

Company number: 405 666 668

Subscribed capital: EUR 74 160 640

Type and number of shares: at 31 December 2014 there was only one type of shares, namely ordinary shares (number: 29 664 256)

Portion of the subscribed capital still to be paid up: 0 shares/EUR 0.

Nature of the shares not fully paid up: none.

Percentage fully paid up: 100%. The shares are all fully paid up.

The accounts were prepared in accordance with requirements specified by the Royal Decree of 8 October 1976 on the annual accounts of trading companies, amended by the Royal Decree of 6 November 1987.

These annual accounts comprise the balance sheet, the income statement and the notes prescribed by law. They are presented hereafter in condensed form.

In accordance with Belgian law, the management report, the annual accounts of Recticel SA/NV and the report of the Statutory Auditor will be filed with the Belgian National Bank.

They are available on request from:

Recticel SA/NV Corporate Communications Avenue des Olympiades, 2 B-1140 Brussels (Evere)

Tel.: +32 (0)2 775 18 11 Fax: +32 (0)2 775 19 90 E-mail: [email protected]

The notes to the annual accounts are related to the financial situation of the company as shown in the balance sheet. The results are also commented on in the preceding annual report.

The Statutory Auditor has delivered an unqualified opinion with an emphasis of matter paragraph on the statutory annual accounts of Recticel SA/NV.

The statutory annual accounts of Recticel SA/NV, as well as the statutory report by the Board of Directors, is freely available on the company's web site http://www.recticel.com/index.php/investorrelations/annual-and-halfyear-reports.

IV. Recticel sa/nv - Condensed statutory accounts

in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013
ASSETS
FIXED ASSETS 657 002 654 713
I. Formation expenses 0 0
II. Intangible assets 30 257 26 116
III. Tangible assets 54 128 54 530
IV. Financial assets 572 617 574 067
CURRENT ASSETS 100 478 100 700
V. Amounts receivable after one year 13 809 13 193
VI. Inventories and contracts in progress 29 764 29 331
VII. Amounts receivable within one year 53 837 54 373
VIII. Cash investments 1 682 1 735
IX. Cash 144 407
X. Deferred charges and accrued income 1 242 1 662
TOTAL ASSETS 757 480 755 413
LIABILITIES
I. Capital 74 161 72 368
II. Share premium account 108 568 107 041
III. Revaluation surplus 2 551 2 551
IV. Reserves 10 824 10 877
V. Profits (losses) brought forward 46 688 62 164
VI. Investment grants 41 62
VII. A. Provisions for liabilities and charges 7 928 24 678
B. Deferred taxes 0 0
VIII. Amounts payable after one year 88 881 29 862
IX. Amounts payable within one year 412 058 440 922
X. Accrued charges and deferred income 5 780 4 888
TOTAL LIABILITIES 757 480 755 413
in thousand EUR
Group Recticel 31 DEC 2014
355 051
(343 901)
11 150
3 654
(22 241)
(7 436)
2 167
(4 179)
(9 448)
(94)
(9 542)
PROFIT AND LOSS ACCOUNT
I. Operating revenues 359 347
II. Operating charges (341 325)
III. Operating profit (loss) 18 022
IV. Financial income 46 006
V. Financial charges (21 239)
VI. Current result before tax 42 789
VII. Extraordinary income 1 619
VIII. Extraordinary charges (43 946)
IX. Profit (loss) for the year before taxes 462
X. Income taxes 0
XI. Profit (loss) for the year after taxes 462
XII. Transfer to untaxed reserves 0 0
XIII. Profit (loss) for the period available for appropriation (9 542) 462

The statutory annual accounts of Recticel SA/NV as well as the statutory report by the Board of Directors, is freely available on the company's web site www.recticel.com.

Profit appropriation policy

The Annual General Meeting decides on the appropriation of the amounts available for distribution on the basis of a proposal from the Board of Directors.

When drawing up its proposal, the Board of Directors takes into account the right balance between ensuring a stable dividend for shareholders and maintaining sufficient investment and selffinancing opportunities to secure the company's longer-term growth.

The Board of Directors decided to present the following appropriation of the results to the General Meeting:

in EUR
Group Recticel
Profit/(Loss) for the financial year (9 542 390.93)
Profit/(Loss) brought forward from previous year + 62 163 537.64
Profit/(Loss) to be added to legal reserves - 0.00
Profit/(Loss) to be added to other reserves - 0.00
Result to be appropriated = 52 621 146.71
Gross dividend (1) - 5 932 851.20
Profit to be carried forward = 46 688 295.51

(1) Gross dividend per share of EUR 0.20, resulting in a net dividend after tax of EUR 0.15 per ordinary share.

V. Declaration by responsible officers

Mr Etienne Davignon (Chairman of the Board of Directors), Mr Olivier Chapelle (Chief Executive Officer) and Mr Jean-Pierre Mellen (Chief Financial Officer), declare that:

  • − the annual accounts, which have been drawn up in accordance with the applicable accounting standards, give a true and fair view of the assets, the financial situation and the results of Recticel and the consolidated companies;
  • − the report for the 12 months ending on 31 December 2014 gives a true and fair view of the development and the results of the company and of the position of Recticel and the consolidated companies, as well as a description of the principal risks and uncertainties confronting them.

VI. Auditor's report on the consolidated financial statements for the year ending 31 December 2014

VII. Comparable overview of the consolidated financial statements (2005-2014)

in thousand EUR
31 DEC 2014 31 DEC 2013 31 DEC 2012 31 DEC 2012 31 DEC 2011 31 DEC 2010 31 DEC 2009 31 DEC 2008 31 DEC 2007 31 DEC 2006 31 DEC 2005
Group Recticel CONSOLIDATED CONSOLIDATED CONSOLIDATED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED
ASSETS
Intangible assets 12 384 11 954 11 148 13 031 12 580 13 307 14 301 20 104 19 779 18 838 21 039
Goodwill 24 949 24 610 25 113 35 003 34 688 34 365 33 311 39 164 37 555 43 616 43 626
Property, plant & equipment 202 733 204 614 219 180 270 904 255 347 270 979 286 789 336 560 349 381 342 262 381 136
Investment property 3 306 3 330 4 452 4 452 3 331 896 896 896 896 896 11 466
Interest in associates 73 644 72 507 69 123 13 784 12 957 15 451 15 697 13 626 11 078 9 175 6 749
Other financial investments 160 161 236 240 3 399 1 151 1 999 11 446 2 565 3 335 3 300
Available for sale investments 771 275 111 122 121 86 85 197 77 357 356
Non-current receivables 13 373 10 973 10 153 7 664 8 305 10 070 9 605 5 005 5 024 5 164 11 586
Deferred tax 46 834 48 929 49 530 45 520 50 290 55 739 43 365 52 020 56 367 67 158 64 714
Non-current assets 378 154 377 353 389 046 390 720 381 018 402 044 406 048 479 018 482 722 490 801 543 972
Inventories and contracts in progress 96 634 94 027 91 028 116 607 116 002 113 671 105 827 120 035 127 852 129 913 118 916
Trade receivables 78 109 64 516 78 359 114 540 132 910 141 783 142 104 170 117 175 496 183 963 179 282
Other receivables 49 597 46 358 56 528 48 123 39 567 62 285 58 016 60 095 61 825 88 333 77 558
Income tax receivables 504 3 851 3 736 4 345 3 847 3 552 4 367 1 130 1 315 1 032 661
Available for sale investments 75 60 45 45 205 181 156 293 411 531 483
Cash and cash equivalents 26 163 26 237 18 533 27 008 54 575 53 938 41 388 68 151 41 049 24 723 25 626
Disposal held for sale 8 569 0 0 0 0 0 0 0 0 0 0
Current assets 259 651 235 049 248 229 310 668 347 106 375 410 351 858 419 821 407 948 428 495 402 526
Total assets 637 805 612 402 637 275 701 388 728 124 777 454 757 906 898 839 890 670 919 296 946 498
in thousand EUR
Group Recticel 31 DEC 2014 31 DEC 2013 31 DEC 2012 31 DEC 2012 31 DEC 2011 31 DEC 2010 31 DEC 2009 31 DEC 2008 31 DEC 2007 31 DEC 2006 31 DEC 2005
CONSOLIDATED CONSOLIDATED CONSOLIDATED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED
LIABILITIES
Capital 74 161 72 368 72 329 72 329 72 329 72 329 72 329 72 329 72 329 71 572 70 833
Share premium 108 568 107 042 107 013 107 013 107 013 107 013 107 013 107 013 107 013 104 929 103 437
Share capital 182 729 179 410 179 342 179 342 179 342 179 342 179 342 179 342 179 342 176 501 174 270
Treasury shares (1 735) (1 735) 0 0 0 0 0 0 0 0 0
Retained earnings 1 768 27 364 75 565 95 010 85 191 75 179 67 582 51 222 47 453 25 492 47 429
Hedging and translation reserves (16 599) (18 279) (13 817) (13 728) (15 739) (12 853) (21 395) (19 951) (10 964) (11 793) (10 292)
Equity before non-controlling interests 166 163 186 760 241 090 260 624 248 794 241 668 225 529 210 613 215 831 190 200 211 407
Non-controlling interests 0 0 0 0 0 0 429 23 090 32 491 38 203 39 828
Total equity 166 163 186 760 241 090 260 624 248 794 241 668 225 958 233 703 248 322 228 403 251 235
Pensions and similar obligations 54 548 44 557 44 548 28 048 35 289 34 988 37 209 40 155 45 235 48 365 45 218
Provisions 7 301 8 149 9 439 9 798 12 964 24 452 23 008 17 893 17 681 21 957 14 540
Deferred tax 8 907 8 203 7 257 8 554 9 134 8 800 8 187 9 429 9 549 7 408 6 792
Subordinated loans 0 0 0 0 0 0 0 89 014 97 495 49 614 49 464
Bonds and notes 26 037 0 25 023 45 023 44 546 39 780 39 368 14 500 15 040 14 869 14 500
Financial leases 15 057 18 113 19 941 20 850 11 024 13 285 15 986 19 346 21 214 23 424 29 913
Bank loans 99 240 78 850 73 458 74 595 79 534 111 977 128 200 140 161 22 085 137 601 177 547
Other loans 1 801 1 871 2 038 2 039 2 111 2 082 2 201 5 123 5 794 2 214 2 302
Interest-bearing borrowings 142 135 98 834 120 460 142 507 137 215 167 124 185 755 268 144 161 628 227 722 273 726
Other amounts payable 6 810 444 704 501 353 510 359 1 782 462 3 938 1 159
Non-current liabilities 219 701 160 187 182 408 189 408 194 955 235 874 254 518 337 403 234 555 309 390 341 435
Pensions and similar obligations 2 205 1 809 1 404 1 529 3 126 3 846 3 893 4 674 4 083 4 529 4 073
Provisions 4 687 6 732 1 255 1 523 6 328 14 480 8 312 8 516 5 443 5 202 3 833
Interest-bearing borrowings 52 798 66 181 36 454 57 840 67 680 45 691 47 740 68 872 150 765 99 474 69 878
Trade payables 96 373 81 720 86 066 104 980 119 274 141 887 114 208 146 993 160 443 173 134 179 611
Income tax payables 414 3 086 2 071 2 281 3 974 7 542 4 712 3 389 9 659 5 212 1 063
Other amounts payable 95 464 105 927 86 527 83 203 83 993 86 466 98 565 95 289 77 400 93 952 95 370
Current liabilities 251 941 265 455 213 777 251 356 284 375 299 912 277 430 327 733 407 793 381 503 353 828
Total liabilities 637 805 612 402 637 275 701 388 728 124 777 454 757 906 898 839 890 670 919 296 946 498
in thousand EUR
2014 2013 2012 2012 2011 2010 2009 2008 2007 2006 2005
Group Recticel CONSOLIDATED CONSOLIDATED CONSOLIDATED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED COMBINED
INCOME STATEMENT
Sales 983 367 976 763 1 035 050 1 319 488 1 378 122 1 348 430 1 276 662 1 555 450 1 611 788 1 474 422 1 391 558
Distribution costs (54 135) (52 934) (54 460) (65 838) (65 182) (64 768) (62 061) (74 528) (76 777) (68 668) (63 782)
Cost of sales (757 025) (756 916) (809 871) (1 042 700) (1 101 628) (1 066 780) (982 511) (1 260 090) (1 279 997) (1 170 165) (1 140 184)
Gross profit 172 207 166 913 170 719 210 950 211 312 216 882 232 090 220 832 255 014 235 589 187 592
General and administrative expenses (72 299) (74 397) (66 772) (83 711) (85 059) (80 367) (82 166) (90 587) (88 537) (88 826) (89 722)
Sales and marketing expenses (73 257) (64 532) (65 796) (74 792) (73 836) (74 331) (81 040) (88 077) (89 454) (87 070) (75 845)
Research and development expenses (13 277) (14 177) (12 940) (14 899) (14 820) (15 794) (13 941) (17 006) (17 936) (18 224) (16 362)
Impairments (688) (3 365) (1 110) (1 555) (5 260) (10 800) (10 362) (12 280) (1 400) (32 042) (11 912)
Other operating revenues (expenses) (12 869) (31 766) 2 867 3 033 8 363 (10 075) 31 26 367 5 561 5 537 15 893
Income from associates 8 964 439 6 008 711 1 741 935 1 608 1 899 (24) 1 013 1 538
Income from investments 2 0 0 0 (406) 1 164 7 265 2 013 312 (2 291)
EBIT 8 783 (20 885) 32 976 39 737 42 035 27 614 46 227 41 413 65 237 16 289 8 891
Interest income and expenses (10 031) (9 405) (9 320) (11 889) (13 270) (11 770) (16 919) (24 414) (25 181) (25 441) (25 199)
Other financial income and expenses (2 799) (1 940) (2 271) (2 450) (3 414) (5 325) 3 125 (2 022) (3 566) 479 (2 735)
Financial result (12 830) (11 345) (11 591) (14 339) (16 684) (17 095) (13 794) (26 436) (28 747) (24 962) (27 934)
Result of the period before taxes (4 047) (32 230) 21 385 25 398 25 351 10 519 32 433 14 977 36 490 (8 673) (19 043)
Income taxes (5 702) (3 908) (6 035) (7 834) (7 933) 4 108 (12 396) (10 378) (14 325) (10 380) (6 244)
Result of the period after taxes (9 749) (36 138) 15 350 17 564 17 418 14 627 20 037 4 599 22 165 (19 053) (25 287)
Share of minority interests 0 0 0 0 0 (188) 703 6 949 (626) (2 179) (2 587)
Share of the Group (9 749) (36 138) 15 350 17 564 17 418 14 439 20 740 11 548 21 539 (21 232) (27 874)

VIII. Risk factors and risk management

RISK FACTORS

The reader should carefully consider the risk factors set out below. All of these factors are contingencies which may or may not occur. The Company believes that the risks and uncertainties described below are all material risks and uncertainties relating to the Company. If additional risks and uncertainties not presently known to the Company or that are currently deemed to be immaterial occur, this may also have a material adverse effect on the Company's and / or the Group's business, prospects, operational results and financial condition.

The Group's results may be substantially affected by general macroeconomic trends and the level of activity in its industries

The Group is exposed to the risks related to an economic recession. The (global) economy has recently been experiencing a period of significant turbulence and uncertainty and the outlook remains uncertain. Economic factors outside of the Group's control (including slowing economic growth, particularly in Europe where the Group realizes approximately 94% of its consolidated turnover, inflation or deflation or fluctuations in interest and foreign currency exchange rates) could affect the Group's financial results and prospects.

The Group's business and operating results have been affected by the global recession and other challenges that affected and continue to impact the global economy and the Group's customers. There can be no assurance that global economic conditions will improve and there is a risk that certain markets in which the Group is active will experience economic decline or a prolonged period of negligible growth in the future. The current uncertainty about economic recovery and the pace of growth may negatively affect the level of demand from existing and prospective customers. Additional factors which may influence customer demand include access to credit, budgetary constraints, unemployment rates and consumer confidence.

Fluctuating chemical raw materials prices and any failure to obtain the needed chemical raw materials could adversely affect the Group's results

As a producer and converter of polyurethane foam and other products, the Group is sensitive to fluctuations in the prices of its chemical raw materials, in particular those chemical raw materials used for the production of polyurethane. The main chemical raw materials used by the Group are polyols (ester and ether polyols) and isocyanates (TDI and MDI). The markets for ether polyols and isocyanates are global markets with few strong global players having considerable production capacities in the EU, the Americas and Asia. The market for ester polyols is smaller with a few large players and a multitude of smaller, non-integrated players. Several of the key players on the market for both isocyanates and polyols are upward integrated in the precursor production or even the crude oil / gas market.

Chemical raw materials represent, on average, nearly 48% of the cost of sales of the Group's finished products. For certain flexible foam, seating and insulation applications, this share is considerably higher (up to 80 % of the cost price of products).

Fluctuating raw material prices

The Group's main chemical raw materials markets are driven by offer-demand balance and by the basic petrochemicals prices. However, the dynamics of the price evolution are different from one raw material to another. Even though, generally speaking, the prices tend to follow the general price evolution of the petrochemical prices, there are product specific evolutions that are not entirely correlated to the general market trend. Due to the limited number of players, a specific issue in one production unit can affect the supply side of the chain and have an impact on prices. This is difficult to predict long time in advance and cannot be overcome through diversification which in essence is limited due to the few numbers of players.

All these drivers lead to some price volatility. Contract prices are negotiated centrally by the Group's purchasing department with suppliers on a one on one basis. The centralized approach allows better negotiation power and continuous optimisation. The Group has a limited number of medium term supply agreements in place with terms ranging from 1 to 3 years. Other raw material supplies are negotiated centrally by the Group's purchasing department either monthly or quarterly with each market player, on the basis of estimated volume ranges, in order to obtain the best possible prices.

The impact of the raw material price fluctuations can affect differently each division as a function of its relative competitive positioning in the market or of its relative level of vertical integration (more important for instance between the flexible foam and the bedding division).

Although the Group monitors raw material price developments and tries to reflect price increases in its sales prices when appropriate, ultimately the extent to which such increased chemical raw material prices can be charged to customers depends on the commercial negotiations with customers and competition in the market. There may be periods of time in which the Group is not able to timely or fully recover increases in the cost of chemical raw materials due to weakness in demand for its products or the actions of its competitors. On the other hand, during periods in which market prices of Group's chemical raw materials fall, the Group may face demands from its customers to reduce its prices or experience falls in demand for its products while customers delay orders in anticipation of price reductions. In addition, higher energy costs can affect the prices of chemical raw materials, increasing the Group's production costs. Furthermore, failure in delivery of certain chemical raw materials through a disruption in the production process, may materially impact prices, as was the case for polyols in 2014. Two major production incidents occurred consecutively (although not connected to each other) within a few months, impacting the availability of propylene oxide (PO) which is an intermediate for polyol production, resulting in an adverse effect on the pricing thereof. All of these factors could have a material adverse impact on the Group's business, operations and financial results.

Failure to obtain the needed chemical raw materials

The Group has negotiated yearly or multi-year supply agreements with important suppliers to secure more than half of its yearly supplies of isocyanates. The supply of polyols is for a minority share secured under yearly supply agreements. The Group sources its remaining chemical raw materials essentially from suppliers with whom it has a long-term relationship, but with monthly or quarterly price and volume negotiations.

Notwithstanding the existence of long-term supply agreements for certain chemical raw materials, the risk of a delivery disruption of chemical raw materials cannot be excluded. Such delivery disruptions may result from, amongst others, a major accident or incident in a supplier's processing plant, transportation problems or any other fact or circumstance that can give rise to a force majeure situation. In such case, there can be no assurance that the Group can source alternative supplies of chemical raw materials on a timely basis and at acceptable conditions or at all, which could have a material adverse impact on the Group's business, operations and financial results. Neither can it be excluded that a decrease in volumes of raw material procurement (e.g. due to market trends) could have an impact on raw material prices or that it could incite suppliers to end their supplies to the Group, the latter scenario forcing the Group to search for other suppliers, which may not be available on a timely basis or at an acceptable conditions or at all. This could have a material adverse impact on the Group's business, operations and financial results.

The Group depends on its suppliers' ability to deliver sufficient quantities of quality components, products and services at reasonable prices. For some products the Group depends on single source suppliers

The Group's operations depend on its ability to anticipate the needs for components, products and services and its suppliers' ability to deliver sufficient quantities of quality components, products and services at reasonable prices in time for the Group to meet its production schedules. Given the wide variety of products and systems that the Group offers, and the sometimes long lead times that are required to manufacture, assemble and deliver certain components and products, problems could arise in planning production and managing inventory levels that could materially harm the Group's operations, business and financial results. Other supplier problems that the Group could face include component shortages, shortage of supply, product discontinuations and risks related to terms of its contracts with suppliers.

The Group tries to diversify its sources of supply and to procure critical components, products and services from reliable suppliers. On the one hand, however, erroneous, late or no deliveries at all by the Group's suppliers may have as a result that deliveries in turn are delayed or faulty, which may lead to reduced sales and a negative impact on the Group's reputation, operations and financial results. On the other hand, some supply agreements entered into by the Group in respect of raw materials contain minimum purchase obligations, which may lead (if such minimum purchase obligations are not met) to sanctions being applicable to the respective Group Company or renegotations with the respective supplier.

Furthermore, the Group sources certain materials from single suppliers. The availability and sale of finished products would be harmed if any of these suppliers is not able to meet the Group's demand and production schedule and alternative suitable products are not available on time and on acceptable terms, if at all.

The Group mostly operates in highly competitive and mature industries and markets. If it is unable to compete effectively with its existing competitors or newcomers, its results will be impacted negatively

Most markets in which the Group operates are highly competitive and mature. The Group's annual sales and market share may therefore be impacted by either new entrants or existing competitors, in particular on markets where the Group enjoys a strong market position, e.g. the Belgian insulation market. Many of the Group's competitors are large, well-known companies with substantial financial, technical and human resources and, in particular for competitors of its Business Line Bedding, with strong brand names. Competitors, for example, may be able to respond more rapidly or more effectively than the Group can to new or emerging technologies, changes in customer requirements, supplier related developments, or a shift in the business landscape. They also may devote greater or more effective resources than the Group does to the development, promotion and sale support of its products and services.

Furthermore, in such highly competitive markets, the absence of long-term agreements in several of the Group's Business Lines could facilitate customer churn.

These factors could have a material adverse effect on the Group's operations, business and financial results.

Cyclicality of the Business Lines Insulation, Bedding, Flexible Foams and Automotive may adversely affect the results of operation, financial condition and cash flows of the Group and seasonality of the business may cause fluctuations in the Group's financial results and working capital needs

The Group's Business Lines Insulation, Bedding, Flexible Foams and Automotive all belong, directly or indirectly, to the consumer durables sector and are therefore cyclical, thus exposing the Group's business to economic cycles which could have a material adverse impact on the Group's operations, business and financial results. Depending on the individual market and to some extent the geographical region, the Group's Business Lines alternate between periods of market growth and periods of stagnation or market decline. The transition from market growth to market decline can be very swift. The cyclical nature of the Group's Business Lines may further result in overcapacity and consequently threaten the Group's pricing structure.

The Group's Business Lines are exposed to seasonality, such as the Business Line Insulation which is dependent on weather conditions influencing the construction market. This seasonality causes fluctuations in the Group's financial results and working capital needs. Furthermore, as a result, the Group's half-year operating results are not necessarily indicative of its full-year operating results or for future operating results.

If the Group fails to develop and introduce new products successfully it may lose key customers or product orders and its business could be harmed

The Group regularly introduces new products, such as Thermoflex® in its Business Line Flexible Foams, the ingredient GELTEX® inside brand in its Business Line Bedding, Lambda 21 Eurowall® in its Business Line Insulation and Colo-Sense Lite® in its Business Line Automotive.

The Group competes in industries that are changing and becoming more complex. The Group's ability to make a successful evolution of its existing products to new offerings and differentiation of its products requires that accurate predictions of the product development schedule as well as market demand are made. The process of developing new products is complex and often uncertain due to the frequent introduction of new products by competitors that offer improved performance and pricing. The Group may anticipate demand and market acceptance that differs from the product's realisable customer demand and revenue stream. Furthermore, in the face of intense industry competition, any unanticipated delay in implementing certain product strategies or in the development, production or marketing of a new product could adversely affect the Group's revenues.

The Group invests constantly in the development of new products. These investments are subject to a number of risks, including: difficulties and delays in the development, production, testing and marketing of products; customer acceptance of products; resources to be devoted to the development of new technology; and the ability to differentiate the Group's products and compete with other companies which are active in the same markets.

The Group's ability to generate future revenue and operating income depends upon, among other factors, its ability to timely develop products that are suitable for manufacturing in a cost effective manner and that meet defined product design, technical and performance specifications.

All of these factors could have a material adverse impact on the Group's business, operations and financial results.

Risks relating to joint ventures may adversely affect the Group's operations, business and financial results

A material part of the Group's turnover is generated through joint ventures, in particular:

  • Eurofoam: a 50/50 joint venture with the Greiner Group active in the production and conversion of flexible foam in Eastern Europe (representing approximately 14.24% of the Group's combined turnover for the financial year 2014. The Group's total investment amounts to € 27.2 million in equity, and to € 0 in loans);
  • Proseat: a 51/49 joint venture with the Woodbridge Group active in the production of seating, headrests and EPP–parts for the automotive industry in Europe (representing approximately 10.02% of the Group's combined turnover for the financial year 2014. The Group's total investment amounts to € 35.5 million in equity, and to € 8.9 million in loans); and

• Orsafoam: a 33/67 joint venture with the Orsa Group, active in the production and conversion of flexible foam in Eastern Europe. Being a minority participation, this associated company is consolidated following the equity method. Its turnover is not reflected in the consolidated nor the combined figures. (total company turnover of € 69.3 million (at 100%) for the financial year 2014; The Group's total investment amounts to € 10.9 million in equity and to € 1.4 million in loans).

Recticel does not have exclusive control over these joint ventures. Under the joint venture agreements governing the relationship between joint venture partners or the applicable articles of association, the partners typically jointly control significant matters relating to the business of each joint venture and its subsidiaries (such as changes to the business plan, material transactions, disposals of assets, changes to the share capital, distributions, material borrowings and important investments) through the requirement of the approval by a qualified majority of the votes cast at the joint venture's shareholders' meeting (shareholder reserved matters) or board of directors (board reserved matters). As a result, the Group cannot decide on those significant matters without the consent of the joint venture partner.

Eurofoam and Proseat are joint ventures, with each shareholder having equal governance rights, and their functioning depends on such shareholders' continued solid relationship, failing which certain conflicts may arise in respect of dividend distribution, material transactions, etc. Failure to distribute dividends from these joint ventures or governance paralysis within these joint ventures could have a material adverse effect on the Group's operations, business and financial results. In certain cases, the failure to resolve conflicts may trigger buy/sell obligations to the highest bidder at moments in time or valuations that are inopportune for the Group. In Orsafoam the Group holds a 33% minority stake; hence it has no controlling power.

Furthermore, under certain joint venture agreements, the Group has taken up certain commitments to provide additional funding to the joint venture if and when required. Consequently, under certain joint venture agreements the Group may be required to provide additional equity, loans or guarantees and/or procure that bank guarantees are made available, if its joint venture partner reasonably determines that such further financial support is required or if the board of such joint venture entity (in which the Group as the case may be has a blocking right) so determines. If the Group fails to provide such funding it may be subject to penalties under the joint venture agreements. In addition, the joint venture agreements may provide for exclusive supply undertakings. Although the Group aims to identify and manage potential risks relating to the operations of its joint ventures in the same way as it does for the operations of its wholly owned subsidiaries, this often requires the agreement of the joint venture partner. As a result, the Group may not be successful in implementing procedures regarding the identification and management of potential risks in a way which is similar to the procedures adopted by the Group in respect of its wholly owned subsidiaries. The varying approaches towards these risks at the level of joint ventures may expose the joint ventures to risks that differ from those that the Group would have incurred or agreed to incur in respect of its wholly owned subsidiaries.

Making acquisitions and forming strategic alliances and/or joint ventures entails execution and integration risks

Making acquisitions and forming strategic alliances and/ or joint ventures are an integral part of the Group's growth strategy. There can be no assurance that any of these transactions will be realised or beneficial to the Group.

The Group may face difficulties integrating new businesses in different countries into its existing operations, as well as integrating employees whom the Group hires in different countries into its existing corporate culture. The integration of acquired businesses involves a number of risks, including:

  • the attention of management may be diverted away from other business concerns;
  • management may be unable to integrate acquired businesses in a cost-effective manner;
  • there may be outstanding or unforeseen legal, regulatory, contractual, labour or other issues arising from the acquisition; and
  • the Group may not be able to achieve any or all integration benefits, cost savings or other benefits identified prior to such acquisition.

If the Group does not effectively manage its international operations and the integration thereof, this may adversely affect its operations, business and financial results.

The Group's business is to a certain extent subject to concentration risk with respect to customers in certain markets. If top customers would decide to cease their relationship with the Group, its revenues may be impacted

A number of the Group's Business Lines are concentrated on certain customers in certain markets (the numbers below reflect the situation for the financial year ended on 31 December 2014):

  • the Group's Business Line Automotive is concentrated on a limited number of OEMs and Tier 1 suppliers. Its top three customers represent in aggregate 57% of total Business Lines sales for its Division Interiors (i.e. respectively 22%, 19% and 16%) and in aggregate 70% of total Business Lines sales for its Division Seating (i.e. respectively 43%, 16% and 11%).
  • the Group's Business Lines Insulation and Bedding are concentrated on a limited number of key distributors in certain geographic markets. Its top three customers for the Group's Business Line Insulation represent in aggregate 30% of total Business Lines sales (i.e. respectively 17%, 8% and 5%), while the top three customers of the Group's Business Line Bedding represent in aggregate 47% of total Business Line sales (i.e. respectively 26%, 17% and 4%); and
  • the Group's Business Line Flexible Foams customer base is more diversified, as the top three customers represent in aggregate 24% of Business Line sales (i.e. respectively 14%, 8%, and 2%).

An overly large concentration of activities on certain customers could have adverse consequences or conflict with the development of the Group's activities or the achievement of its strategic objectives.

The reduction, delay or cancellation of orders, or a delay in shipment of products to important customers, or the inability of the Group to develop additional customers, could and likely would have a material adverse effect on its operations, business and financial results. Moreover, should any of these customers decide to source its products from another supplier, this might have a material adverse effect on the Group's operations, business and financial results.

The Group's business could be adversely affected if it fails to obtain, maintain or renew necessary licenses and permits, or fails to comply with the terms of its licenses or permits

In many of the jurisdictions where the Group operates, it is required to have licenses, permits or titles covering several of its activities. Regulatory authorities may exercise considerable discretion in the timing of license issuances and renewal and the monitoring of licensees' compliance with license terms. Compliance with requirements imposed by these authorities, who require the Group, among other things, to comply with numerous industrial standards, maintain necessary equipment and quality control systems, monitor its operations, make appropriate filings and, upon request, submit appropriate information to licensing authorities, may be costly and timeconsuming and may result in delays in the commencement or continuation of production operations. In addition, the applicable requirements may be amended and new or more stringent requirements may be imposed, which may require the Group to modify its working practices and could restrict the Group's ability to conduct its business as it sees fit. Moreover, the Group's compliance with the terms of its licenses may be subject to challenge by regulatory authorities, competitors, or in some cases, members of the public. The Group's licenses may be invalidated, revoked or suspended, may not be issued or renewed, or if issued or renewed, may not be issued or renewed in a timely fashion or on conditions acceptable to the Group. In the recent past, the Group has not encountered any material issues in this regard. The occurrence of any of these events may require the Group to incur substantial costs or may restrict the Group's ability to conduct its operations or to do so profitably.

The Group relies on various intellectual property rights and commercialises its products under various trademarks, some of which are registered in several countries. Any misuse of its intellectual property rights in those countries may cause damage to its reputation and goodwill and may also result in loss of business

The Group owns patents and has a number of patent applications pending. The Group is also the holder of numerous trademarks in several countries. The Group mainly relies on a combination of patent rights and trademark rights, copyrights, rights in trade names and rights in know-how and trade secrets. Any misappropriation of or infringement upon any of these intellectual property rights may have a material adverse impact on the Group's operations, business and financial results.

The enforcement of patent rights and trademark rights, copyrights, rights in trade names and rights in know-how and trade secrets is costly, time consuming and highly uncertain. The Group cannot guarantee that it will be successful in preventing the misappropriation or infringement of its intellectual property rights.

Recticel cannot guarantee that the registration of the intellectual property rights applied for will be issued in the name of Recticel or any other member of the Group, and any failure to obtain such registrations could have a material adverse impact on the Group's operations, business and financial results.

The Group may be faced with claims that it is infringing on intellectual property rights of third parties and relies on intellectual property rights licensed by third parties; certain intellectual property is jointly owned with third parties

The Group strives to respect the intellectual property rights of third parties. However, the Group cannot guarantee that any claims by a third party against a Group member for alleged misappropriation of or infringement upon any intellectual property rights of such third party would be unsuccessful. If any member of the Group would be liable for such misappropriation or infringement this could have a materially adverse impact on the Group's operations, business and financial results.

For certain intellectual property rights, the Group relies on licences from third parties. Some of those licence agreements contain restrictions that could limit the Group's ability to do business. Furthermore, while some of these licence agreements contain specific warranties and indemnification provisions protective to the Group, there is no assurance that the underlying intellectual property rights that are licensed to the Group do not infringe upon the intellectual property rights of third parties or that the licences will not be challenged by third parties. The reliance of the Group on third party licences or third party intellectual property rights cannot be guaranteed. If the Group cannot use such third party intellectual property rights or is not able to acquire or develop its own intellectual property, this could have a material adverse impact on the Group's operations, business and financial results.

Certain of the Group's intellectual property rights have been codeveloped together with third parties as part of a joint development agreement. The Group may be restricted to use such intellectual property rights on a stand-alone basis and may be obliged to make additional payments in order to obtain the other party's consent.

The implementation of the Group's business strategy is dependent on its ability to attract and retain qualified personnel

The Group's ability to maintain its competitive position and to implement its business strategy will largely depend on its ability to attract and retain skilled personnel and management. The loss or diminution in the services of skilled employees and management, or difficulties in recruiting or retaining them, could have a material adverse effect on the Group's operations, business and financial results. Competition for personnel with relevant expertise is intense due to the relatively small number of qualified individuals, and the Group may have difficulties in obtaining or enforcing non-compete obligations from its skilled personnel and management, all of which may seriously affect the Group's ability to retain existing skilled employees and management and attract additional qualified personnel. If the Group were to experience difficulties in recruiting or retaining qualified personnel, this could have a material adverse effect on the Group's operations, business and financial results.

The Group is subject to the risk of labour actions and employee claims that could negatively affect the Group's results of operations

A number of the Group's employees are unionized. Although the Group believes that it has good relations with its employees and unions, it cannot exclude that relations with its workforce will deteriorate, for instance as a result of restructurings, or that its workforce would initiate a strike, work stoppage or slowdown. In the event of such an action in the future, the Group's business, financial condition and results of operations could be negatively affected, and the Group cannot give assurances that it would be able to adequately meet the needs of its customers utilising its remaining workforce. In addition, similar actions by the Group's non-unionized workforce cannot be excluded.

Historically, the operations of certain sites have from time to time experienced work stoppages and other forms of industrial action. In addition, the Group has been subject to union demands for pay rises and increase benefits. Such actions and/or demands were limited and had no material impact on the financial result of the Group. Strike action at other industry participants' operations may encourage work stoppages in connection with any labour-related demands of employees or unions at the Group's operations. In the recent past, a part of the Group's strategy was focused on the restructuring and streamlining of its operations. The Group envisages to continue the implementation of its strategy of restructuring and streamlining its operations during 2015 and beyond, which could lead to work stoppages and other industrial action and have a material impact on the financial result of the Group. The Group could be adversely affected by labour disruptions involving third parties who provide the Group with goods or services at its operations. Strikes and other labour disruptions at any of the Group's operations, or lengthy work interruptions at its existing and future development projects, could material adversely affect the timing, completion and cost of any such project, as well as the Group's business, operational results or financial position.

The Group's collective agreements are negotiated with unions and other employee representative organisations from time to time. The collective agreements establish and set the terms and conditions of employment of the employees covered by the collective agreements. The Group's collective agreements have differing terms and expiry dates. Prior to the expiry of a collective agreement, negotiation of conditions for renewal occurs between the relevant employing entities within the Group and the relevant unions or other employee representative organisations. There can be no assurance that collective agreements will be renewed when due without work stoppages or other forms of industrial action, or without additional or unforeseen costs being incurred by the Group.

Although the Group seeks to comply with applicable labour laws, pension plans and collective agreements in all material respects, it cannot exclude that it applies these laws and agreements erroneously and may thus be subject to individual or collective claims or challenges by certain employees or unions. The outcome of, and the defence against, such claims, and any settlement thereof or alignment therewith, could have a material adverse impact on the Group's operations, business and financial results.

The Group's on-balance sheet debt has recently increased, making the Group subject to risks inherent in higher gearing

As at 31 December 2014, the Group's net combined debt amounted to € 194.5 million. Long-term interest-bearing borrowings amounted to € 174.5 million and short-term interestbearing borrowings amounted to € 63.3 million. Its long-term debt included an amount of € 99 million drawn under its 5 year € 175 million committed Syndicated Credit Facility dated 9 December 2011 and maturing in December 2016 (the Loan Facility). The Group's other long-term debts consist primarily of its senior unsecured convertible bonds due 23 July 2017, for an amount of € 26.0 million. As at 31 December 2012, 31 December 2013 and 31 December 2014, the Group's consolidated gearing ratio (net debt to total equity) was 57%, 74% and 101% respectively. As at 31 December 2012, 31 December 2013 and 31 December 2014, the Group's combined gearing ratio (net debt to total equity) was 72%, 88% and 117% respectively. The increase in the Group's combined gearing ratio is mainly due to the debt / equity impact of the fines paid by the Group in consequence of the settlement of both the EU and German investigations and the adaption of the Group's pensions provisions in accordance with IAS19.

Under the Loan Facility, the Group is subject to restrictive financial covenants. These covenants are linked to a leverage ratio, an interest cover ratio and a minimum total equity level and are measured at the end of each semester (based on June end and December end figures). The Group has so far been in compliance with its covenant obligations under the Loan Facility. A breach of covenant could materially adversely affect the Group's ability to finance its future operations or capital needs or to engage in other business activities that may be in its best interest. In addition, a breach of the terms of the Group's indebtedness could cause a default under the terms of other indebtedness, causing some or all of such indebtedness to become due and payable prior to its stated maturity. The Loan Facility also contains a change of control clause which is among others linked to the position of Compagnie du Bois Sauvage SA as largest shareholder of the Company. There can be no assurance that the Group would be able to generate the funds necessary to repay its indebtedness in the event of acceleration, and even if it does, such acceleration may materially adversely affect its business, results of operations and financial condition. Any such default could also result in the Group's creditors proceeding against inventories and receivables securing the Group's indebtedness. Any such action could have a material adverse impact on the Group's business, results of operations and financial condition.

The Group's debt level and contractual restrictions has important consequences, including, but not limited to:

  • limiting Recticel's ability to pay out dividends and its annual capital expenditures;
  • causing the Group to dedicate a substantial portion of its cash flow from operations to payments to service debt, which reduces the funds available to cover working capital needs (over the longer term), annual capital expenditures and other general corporate needs;
  • limiting the Group's ability to borrow additional funds to cover working capital needs (over the longer term), annual capital expenditures, acquisitions and other general corporate needs;
  • in the event that it defaults on any of its debt obligations, its creditors being able to seize its assets and the assets of certain subsidiaries which have been pledged to secure its indebtedness;
  • limiting the Group's ability to pursue acquisition opportunities, mergers and joint ventures;

  • limiting the Group's flexibility in planning for, or reacting to, changes in technology, customer demand or other competitive pressures in the industries in which it operates;

  • placing the Group at a competitive disadvantage compared to those of its competitors that are less leveraged than the Group; and
  • increasing the Group's vulnerability to both general and industry specific adverse economic conditions.

The Group's compliance with its covenants depends on a number of factors, some of which are beyond its control. A prolonged economic contraction, and further deterioration in the industries in which it operates, may have a further material adverse effect on its earnings, which in turn could affect its ability to comply with these financial covenants. Even though the Group is of the opinion that this risk is carefully managed, there can be no assurance that the Group can continue to comply with its financial covenants, despite the intended capital increase (cfr press release dd 02 March 2015), in case of a prolonged economic contraction or further deterioration in the industries in which it operates.

The Group may not be able to refinance its existing financing sources

The Loan Facility matures in December 2016 and the senior unsecured convertible bonds will fall due in July 2017. Furthermore, the maturities of the Group's non-recourse factoring and forfeiting programmes, under which € 62.7 million was outstanding as at 31 December 2014, which will fall due in September 2017. In the coming years the Group will thus have to refinance its existing financing sources.

There is no guarantee, however, that (re)financing, if needed, will be available at attractive conditions or at all. Furthermore, each debt financing, if available, may contain covenants limiting the Group's freedom to do business. If the Group is unable to obtain debt financing at favourable conditions when needed, the activities, revenues and financial condition of the Group may be materially adversely impacted.

The Group is exposed to credit risk, primarily on trade receivables, and fluctuations in working capital as a result of relationships with its customers

The Group is subject to the risk that its counterparties will default to discharge an obligation, and more specifically that customers do not pay invoices when due, and cause the Group to incur a financial loss. If amounts that are due to the Group are not paid, this may impact both the Group's financial and commercial position. The Group's credit risk is primarily attributable to its trade receivables.

Although the Group (i) has developed internally a strict credit management policy to manage the terms and credits granted to each customer and (ii) has put in place various credit insurance and non-recourse factoring schemes to limit the impact of credit default that could arise on one or more of its customers, there is no assurance that these risks will not materialize, and if so, this might have a material adverse effect on the Group's operations, business and financial results.

Furthermore, the competitive environment in which the Group operates may require it to provide extended payment terms to customers in order to win or keep a contract. Customer payment terms may impact all or a portion of the margin obtained on the Group's products and services, and may also affect the Group's working capital needs. The Group may also provide financial guarantees to its customers. The Group's success may be dependent, in part, upon its ability to provide competitive customer payment terms relative to the customer's creditworthiness. If the Group is unable to provide competitive payment terms to its customers or if it extends credit to customers that are not creditworthy, this could adversely impact its revenues, profitability and financial position.

The Group will require a significant amount of cash to implement its strategy. If the Group is unable to generate this cash through its operations or through external sources, it may face liquidity pressure, be unable to fully fund its operations or undertake capital investments needed to achieve its business strategy

The Group continues to explore additional opportunities to implement its strategy which may require substantial investment and subsequent capital expenditures. To date, the Group has been able to fund its capital investment projects through cash generated from its internal operations and debt financing. If the Group's cash flows were reduced or if it were to make further acquisitions, the Group would need to seek to fund its cash requirements through additional debt and equity financing or through asset divestitures. The Group's ability to raise equity or debt or to divest assets and the terms upon which such transactions would be made are uncertain, and if additional debt is successfully incurred, it will increase the risks described above under "The Group's on-balance sheet debt has recently increased, making the Group subject to risks inherent in higher gearing". If the Group is not able to obtain alternative sources of external financing at an acceptable cost or in the amounts required, its planned capital investments may be substantially delayed or interrupted or it may not be able to fully implement its strategy, which could have a material adverse effect on the Group's business, operational results or financial position.

The Group is subject to risks related to its pension obligations

The Group has sought to address the deficit of its defined benefit pension schemes in the various jurisdictions where such plans were in place. Almost 99% of the Group's defined benefit obligations are concentrated in four countries: Belgium (40%), UK (38%), Germany (13%) and in France (8%). For these countries, all defined benefit pension schemes have been closed for new employees, i.e. in 2003 for Belgium, in 2009 for the United Kingdom, in 1998 for Germany and in 2005 for France. As at 31 December 2014, the Group's pension scheme deficit for funded and unfunded plans in accordance with IAS 19R stood at € 67,606,184 on a combined basis compared to € 54,097,556 on a combined basis as at 31 December 2013.

The funding coverage of the Group's defined benefit pension schemes might significantly deteriorate, in case global equity markets record a negative performance and/or interest rates would decrease substantially. In addition, changes in the mortality tables assuming employees would live longer, could significantly impact the Group's defined benefit obligations.

The expected cash outflows with regard to the Group's material post-employment pension and similar plans can vary over time. These cash outflows may decrease or increase due to changed parameters such as interest rates or mortality tables and/or due to changes in local statutory funding rules. However, the Group cannot guarantee it will be able to fund these plans at any moment in time. The Group's failure to fund the required cash contributions out of its normal operations would materially harm its business and financial positions.

The Group cannot guarantee it will be able to fund these pension schemes at any moment in time. The Group's failure to fund the required cash contributions out of its normal operations would materially harm its results, equity and cash situation.

The Group's business is exposed to interest rate risk

Exposure to movements in interest rates may affect the Group's cash flows, earnings and equity. Besides certain fixed rate borrowings, the Group also concluded various other credit loans at floating interest rates. These floating rate borrowings primarily consist of the Loan Facility and various other short term credit lines. As at 31 December 2014, an amount of € 99 million was drawn under the Loan Facility and an amount of € 135 million was outstanding under the other floating rate short term lines or nonrecourse forfeiting and factoring programs.

In order to mitigate the impact of the interest rate fluctuations, the Group's finance committee reviews on a monthly basis the overall Group situation, including the proportion of the total debt that is concluded at fixed interest rates versus floating interest rates, and decides on the appropriate hedging arrangements. As at 31 December 2014, the Group had a portfolio of interest rate swaps for a total amount of € 87 million, maturing in February 2017, February 2018 and October 2019 and allowing the Group to convert a portion of its floating rate debt into fixed rate debt. There can however be no assurance that any interest rate hedging arrangements will be effective. For instance, if short term rates would not move up above the limits defined by each of the interest rate swap concluded, the swaps concluded would not be effective. Alternatively for the debt portion that as per decision of the finance committee is not hedged, an increase of the short term rates would have a PROFIT AND LOSS ACCOUNTS and cash impact for the Group. Movements (higher or lower than anticipated) in interest rates could therefore have an adverse effect on the effectiveness of the Group's interest rate management strategy and therefore on its cash flows and financial condition.

The Group's business is exposed to exchange rate fluctuations, if not adequately hedged

The Group has a presence and/or develops trading and/ or commercial activities in 27 countries, some of which are located outside of the Eurozone (Euro is the base reporting currency of the Group). The Group's earnings and cash flows may be influenced by foreign exchange rate fluctuations, when converted into the Group's functional currency (the Euro). This applies more specifically to fluctuations against the U.S. Dollar, the Czech Koruna, the Swedish Krona, the British Pound, the Swiss Franc, the Polish Zloty and the Chinese Renminbi. The impact can either be related to the so-called foreign currency translation risks and/or the foreign currency transaction/economic risks.

Foreign currency translation risk results from the conversion of the subsidiary's net equity and net results from its local currency to Euro (the base reporting currency of the Group) for consolidation and reporting purposes. Currency translation differences may impact the Group's group equity (negatively when the Euro appreciates against the foreign currency in which a foreign affiliate operates and positively when the Euro depreciates against the foreign currency in which a foreign affiliate operates). The foreign currency translation risk applies only to the Group's operations located outside of the Euro zone (which represented approximately 30% of the Group's consolidated turnover in the financial year 2014).

Foreign currency transaction risk results from transactions entered by one of Recticel's subsidiaries where the settlement currency differs from the functional currency of the subsidiary. This risk can apply to both operational and financial transactions. On the operational side, this risk mainly relates to the subsidiaries buying or selling in other currencies than their functional currency. For example, a UK (GBP based) subsidiary importing goods denominated in EUR has a GBP/Euro transaction foreign exchange risk.

On the financing side, this risk mainly relates to subsidiaries borrowing or lending in another currency than their own functional currency. For example, a Belgian (Euro based) entity lending in USD to a Chinese affiliate (RMB based) has a Euro/USD foreign exchange transaction risk while the Chinese entity has a RMB/USD foreign exchange transaction risk.

The Group has developed a hedging policy applicable to all its subsidiaries and joint ventures whereby all booked or committed transaction exposures are to be hedged as soon as identified and whereby all economic risks are to be hedged for at least 50% as soon as identified. Exposure identification is supported by a periodic reporting from all entities to the Group's treasury department in order to ensure a timely review of the exposures and appropriate hedging of identified risks with appropriate hedging instruments. Despite the hedging policy put in place by the Group, if not properly controlled, foreign currency fluctuations could have a material adverse impact on the Group's results and/ or equity.

Depreciation and impairment charges to assets may adversely impact the Group's financial results

The Group might fail to cover or foresee all potential risks for its factories and establishments in view of its depreciation risk analysis. Considering certain business decisions taken and the determination of expected future cash flows based on assumptions regarding the evolution of its market, its sales and costs components, the Group performs a periodical assessment of the value of its assets through the application of a fair value or value-in use model. There can be no assurance that a future reassessment of assumptions and/or market analysis induced by future developments in the economic environment will not lead to the recognition of additional impairments.

In accordance with IFRS, the Group tests on an annual basis the economic value of its goodwill and intangible assets and property, plant and equipment for impairment, in order to evaluate the need to adjust their carrying value. Both failure in the evaluation of depreciation risk and future potential impairment charges may materially adversely impact the Group's financial results and financial condition.

The Group is a global group that owns various subsidiaries and joint ventures in different parts of the world. As such it is depending on the results of operations generated by its subsidiaries and joint ventures.

To a large extent, the Group's operations are carried out through various subsidiaries and joint ventures active in a multitude of markets and different parts of the world.

As a result, Recticel derives its operating income and cash flows to a large extent from its subsidiaries and joint ventures. The Group's business, results of operations and financial condition are therefore dependent on the trading performance of members of the Group. Also, the Group's ability to pay dividends depends to a large extent on the level of distributions, if any, received from Recticel's subsidiaries and joint ventures, any amounts received on capital raisings and asset disposals and the level of cash balances. These subsidiaries and joint ventures are not required and may not be able to pay dividends to Recticel. Certain of Recticel's operating subsidiaries and joint ventures may, from time to time, be subject to restrictions on their ability to make distributions to Recticel, including as a result of, the lack of available cash flows, tax and company law constraints and other regulatory restrictions (such as foreign exchange limitations). With respect to its joint ventures, restrictions can also be included in the joint venture agreements entered into with the other joint venture partners or the applicable articles of association.

If in the future these restrictions are increased or if Recticel is otherwise unable to ensure the continued transfer of dividends and other income to it from its subsidiaries and joint ventures, its ability to pay dividends and/or make debt payments will be impaired. Any such restrictions may have a material adverse effect on Recticel's operations, business and financial results.

The Group's investment programs are subject to the risk of delays, cost overruns and other complications, and may not achieve the expected returns

The Group's businesses are, and will continue to be, capital-intensive. A number of its plants have operated for many years, and a large part of the Group's capital expenditures relate to the repair, maintenance and improvement of these existing facilities.

The Group's investments programs in the field of repair, maintenance and improvements of its existing equipment and facilities are subject to the risk of incorrect or inadequate evaluation. As a result, these investment programs may suffer from delays or other complications, and may not achieve the return projected at the beginning of such programs. Furthermore, the Group's actual expenditures may ultimately reveal to be higher than budgeted for various reasons beyond its control. Such cost increases may be material and may have a material adverse effect on its business, financial condition, operating results and cash flows.

Failure to comply with laws, regulations and standards may have a negative impact on the Group's activities

The Group has to comply with stringent laws, regulations and standards in the most diverse areas of its business including company law, social security, taxation, labour law, consumer protection laws and environmental laws, which differ from one jurisdiction to another. Moreover, these laws, regulations and standards are often highly complex and are subject to changes in substance, implementation and interpretation. While it is the corporate policy of the Group to comply with all applicable laws, regulations and standards in each jurisdiction in which the Group operates, breaches of or deviations from such laws, regulations and standards may occur. In such a case, the Group could be subject to liability or payments towards third parties, employees or authorities, including by the imposition of fines or penalties, or could, in certain circumstances, be subject to orders of cessation or dissolution in respect of certain activities or businesses or entities, including the imposition of fines or penalties, which could have a material adverse effect on the Group's business, operational results or financial position.

The Group's activities are subject to stringent health, safety and environmental laws, regulations and requirements which could expose the Group to significant costs and litigation

Due to the nature of its activities, the Group is exposed to environmental risks (including of accidental pollution). The Group uses potentially hazardous substances (chemicals and the like) as part of its development activities and manufacturing processes. The handling of these same products constitutes a health risk for personnel, customers and other visitors, particularly in the event of failure to comply with the safety rules issued by the Group. Furthermore, certain of the Group's sites are categorized as Seveso plants under the Seveso II Directive (as amended by the Seveso III Directive), as (to be) implemented in each member state of the European Union. This presents the Group with onerous compliance obligations and costs, and implies inherently a higher risk of accidents. The Group's (current and past) operations may cause or have caused soil and/or groundwater pollution (and such past soil and groundwater pollution has been identified), as well as contamination with asbestos and asbestos-containing materials, which authorities may require to remediate or monitor. Instances of such pollution are being monitored in accordance with internal health and safety policies.

The Group's operations are subject to numerous health, safety and environmental laws, regulations and requirements in the various countries where it operates, which may govern, among other things, the discharge, emission, storage, handling and disposal of a variety of substances (which may be subject to change) that may be used in or result from its operations. Such laws, regulations and requirements in general have been increasing in stringency and it is possible that they will become significantly more stringent in the future.

Compliance with health, safety and environmental laws and regulations requires ongoing expenditure and considerable capital commitments. If any of the Group's plants or the operations of such plants are shut down, the Group may have to incur costs in performing soil and/or groundwater clean-up operations, upgrading its plants to comply with such regulations, or in appealing a decision of any relevant authority to close its facilities or take any other form of action. Further, even whilst any facility is closed, the relevant Group entity would potentially have to continue to make payments to its labour force and incur other operational costs.

While it is the corporate policy of the Group to comply with all applicable laws and regulations in each country where it operates, breaches of or deviations from such laws and regulations may occur. This may result in an increase in the Group's overall operating expenses which in turn would result in its profits decreasing.

The Group has potential exposure to product liability and warranty claims

The Group produces and sells both semi-finished and finished goods in the form of consumables (e.g. in its Business Line Bedding) and durables (e.g. in its Business Line Insulation), which must meet stringent industry, regulatory and customer requirements. In both cases, the Group is exposed to complaints and claims relating to product liability and warranty.

To mitigate product liability and warranty risks, the Group has implemented strict quality controls and has concluded a general liability insurance policy. Although the Group has never suffered significant losses with respect to product liability and warranty claims, there can be no assurance that this will not occur in the future nor is there any assurance that the Group's current liability insurance coverage is sufficient to meet potential product liability and warranty claims or that the Group will be able to obtain or maintain such insurance on acceptable terms or at appropriate levels in the future.

In case a product liability or warranty claim is made, the Group may incur expenses and losses in connection with, for example, product recalls, increased customer service and support, the payment of monetary damages to customers, lawsuits and the loss of customers. Also, the Group's reputation as a producer of high-quality products could suffer, which in turn could have a material adverse impact on its sales and financial situation.

The Group may be subject to misconduct by its employees and managers or third party contractors

The Group may be subject to misconduct by its employees and managers or third party contractors, such as theft, bribery, sabotage, violation of laws or other illegal actions and may be exposed to the risk of stoppages by third parties, such as transport companies. Any such misconduct may lead to fines or other penalties, slow-downs in production, increased costs, lost revenues, increased liabilities to third parties, impairment of assets or harmed reputation, any of which may have a material adverse effect on the Group's operations, business and financial results.

The Group has developed various internal initiatives to limit the risk of misconduct of its own employees and managers. These initiatives include the reinforcement of the internal audit function, the setting up of a Compliance Committee whose role is to investigate matters reported to it, as well as the organisation, on a regular basis, of various internal training sessions for employees aimed at increasing awareness on compliance. However, there can be no assurance that such initiatives will result in effectively preventing any misconduct by its employees and managers.

Furthermore, such initiatives are not aimed at third party contractors, as a result of which the Group relies on the third party contractors' capacity to prevent misconduct by their own employees and managers.

The Group is exposed to litigation and investigation risk

The Group is subject to litigation, other legal claims and proceedings, investigations and regulatory enforcement actions in the ordinary course of its business. The outcome of such proceedings, investigations and enforcement actions cannot be predicted with certainty and additional claims (including class actions claims) based on the same facts, may arise. There is no assurance that the results of current or future legal proceedings, investigations and enforcement actions will not materially harm the Group's business or reputation, nor can there be any assurance that it will not incur material losses in connection with current or future proceedings, investigations and enforcement actions which exceed (i) provisions taken with respect to such proceedings, investigations and actions or (ii) the limits of the Group's insurance coverage.

A claim has been issued by a group of customers in the United Kingdom, including Hilding Anders International AB, Euro Comfort Holding GmbH, GNG Group Yorkshire PLC, Airsprung Group PLC and Hypnos Limited, in which these entities allege harm with regard to damages allegedly suffered in consequence of purchases affected by the conduct covered by the European Commission's cartel decision. An informed judgment about the merits of this claim or the amount of potential loss for the Company, if any, cannot be made at this stage. Therefore, no provisions have been made in connection thereto. There is also a risk that the Company may become subject to additional legal proceedings and claims brought by other customers allegedly adversely affected by the conduct covered by the European Commission's cartel decision. However, the Company cannot predict to what extent such claims will be asserted, nor speculate on the merits of such potential claims nor on the amount of potential loss for the Company, if any, that might be incurred.

Moreover, the Company cannot predict whether the abovementioned parties or other third parties will succeed in asserting damages claims, or extracting settlements, in very significant amounts based on any of the investigations or any other alleged violations of numerous laws, including anti-trust laws, unrelated to any actual specific investigation or proceedings.

The outcome of current or future legal proceedings, investigations and actions in which the Group is or will be involved, is uncertain, and such outcome may have a material adverse impact on the Group's operations, business and financial results. In addition, the Company's defence against such claims, or the settlement thereof, may involve significant legal and other costs.

The Group entered into contracts subject to change of control clauses

In the past the Group entered into contracts that contain change of control clauses, including but without limitation: the Loan Facility (where the change of control clause is among others linked to the position of Compagnie du Bois Sauvage SA as largest shareholder of the Company), the senior unsecured convertible bonds and the factoring arrangements. The Group cannot assure that these change of control clauses will not be triggered. If the Group is unable to obtain a waiver from the contractual counterparties when a change of control event occurs, this may adversely affect the Group's business, results of operation or financial condition.

The Group is subject to a number of operational and industrial risks, and its insurance coverage may not cover the full scope and extent of claims against it or losses that it incurs

The Group maintains insurance policies in respect of major operational and industrial risks associated with its business. However, these insurance policies are subject to exclusions of liability and limitation of liability with respect to both the amount and the insured loss events. There exist liabilities, e.g. related to natural disasters, interruptions to power supplies or other hazards, for which the Group is not insured or cannot insure its operations. In addition, the Group may not succeed in passing on liabilities it is exposed to by its clients to it suppliers and hence be exposed to a gap between liabilities exposed to and liabilities covered. Furthermore, the Company cannot exclude that uninsured operational inefficiencies occur, adversely impacting the Group's business, operational results or financial position.

In the event that the Group suffers a major uninsured loss or a loss in excess of the amounts insured, such event could result in the loss of the capital invested by the Group in the affected asset as well as the loss of the anticipated future revenue from that asset (and future earnings in general). In addition, the Group could be held liable for the damages resulting from the uninsured risk and remain liable for any debt of other financial obligation, if any, relating to that asset.

A successful claim against the Group may have a material adverse effect on its revenues. Moreover, defending itself against such claims may cause a considerable strain on management resources, require it to incur significant legal fees and may adversely affect its reputation.

As a result, the Group's insurance coverage may not cover the full scope and extent of claims against it or losses that it incurs. The Group cannot guarantee that it is sufficiently and effectively insured against all possible contingencies. If the Group suffers an uninsured loss, this may have a material adverse effect on its business, operational results or financial position.

The Group is exposed to tax risks by virtue of the international nature of its activities

As an international group operating in 27 countries worldwide, the Group is subject to tax laws and regulations in many jurisdictions throughout the world. The Group structures and conducts its business globally in light of diverse regulatory requirements and the Group's commercial, financial and tax objectives. As a general rule, the Group seeks to structure its operations and arrangements in a tax efficient manner. Although it is anticipated that these are likely to achieve their desired effect, if any of them were successfully challenged by the relevant tax authorities, this could adversely affect the Group's effective tax rate, results of operations and financial condition.

Furthermore, given that tax laws and regulations in the various jurisdictions in which the Group operates do not necessarily provide clear-cut or definitive guidance, Recticel and its subsidiaries' structure, business conduct and tax regime is based on their interpretations of Belgian, Dutch, French, German and other local tax laws and regulations (e.g, in relation to transfer pricing, exit taxes, VAT, permanent establishment rules) in the jurisdictions in which Recticel and its subsidiaries operate. Although supported by local tax consultants and specialists, there is no assurance that such interpretations will not be questioned by the relevant tax authorities or that the relevant tax laws and regulations in some of these jurisdictions will not be subject to change, varying interpretations and inconsistent enforcement, or that the Company has erroneously applied tax laws and regulations or erroneously computed its tax liabilities, which could adversely affect the Group's effective tax rate, results of operations and financial condition.

Finally, changes in tax regulations may affect the use of deferred tax assets recognized by the Group – such as tax losses carried forward – which could adversely affect the Group's effective tax rate and financial condition.

The Group's activities are subject to a range of events and accidents, and public perception, which may damage its reputation and financial position

The Group operates facilities in relation to which accidents may have serious consequences. The reputation of the Group and its capacity as a supplier of reliable and ethical products could be harmed as a result of events or accidents that are beyond its control or also as a result of its own acts. The occurrence of such events or accidents may have a material adverse effect on the Group's operations, business and financial results.

Furthermore, a wave of public mistrust of chemical products and their inherent danger could affect the chemical industry as a whole and the Group in particular, as well as in the case of poor or unfortunate communication.

The Group's operations are subject to risks associated with its IT infrastructure

Today, most of the Group's operations and methods are conducted and monitored by central information processing systems. Sections of the Group's IT infrastructure may experience interruptions, delays or cessations of service or product errors in connection with systems integration or migration work that takes place from time to time, including the installation of SAP modules in certain business divisions. The Group may not be successful in implementing new IT systems and transitioning data across systems, which could cause business disruptions and could reveal more expensive, time consuming, disruptive and resourceintensive than anticipated.

As with all large IT systems, the Group's IT systems may be vulnerable to a variety of other types of business interruptions, due to events beyond its control, such as computer viruses or other security breaches.

Such disruptions could adversely affect the Group's ability to fulfil orders and interrupt other processes. Delayed sales, higher costs or lost customers resulting from these disruptions could adversely affect the Group's operations, business and financial results.

Acts of terrorism, civil disturbances and regional conflicts in any particular country may have a material adverse effect on the Group's operations, business and financial results

As the Group operates in 27 countries worldwide, it is exposed to substantial and growing international sales activities. The Group's operations, business and financial results in a particular country could be affected by political or economic repercussions on a domestic, country specific or global level from acts of terrorism, civil disturbances and regional conflicts and the response to such acts. All of these factors could have a material adverse impact on the Group's business, operations and financial results.

RISK MANAGEMENT

Operational and industrial risks are usually covered by centrally managed insurance contracts. The conditions governing these contracts are reviewed on a regular basis. Recticel owns a reinsurance subsidiary, whose principal task consists of reinsuring the Group's own risk associated with the excesses that are payable by the Group under external insurance policies.

The risks and uncertainties for which provisions have been raised in accordance with IFRS rules are explained under the heading II.5.18. of the financial section of the annual report. More precisely, these are provisions for litigation, product guarantees, environmental risks and reorganisation charges.

Recticel's Internal Audit Department is involved in implementing control procedures in the broadest sense and ensures that they are complied with. It also plays a major role in the permanent monitoring of corporate risks and contributes to the basic considerations regarding these risks in the Group.

Key Figures

in million EUR
Group Recticel 2010 2011 2012 2013 2014
Combined income statement
Sales 1 348.4 1 378.1 1 319.5 1 258.6 1 280.1
REBITDA 104.0 88.6 87.7 72.8 65.9
EBITDA 83.5 88.8 78.2 27.7 49.3
REBIT 58.9 47.1 47.8 33.2 30.7
EBIT 27.6 42.0 36.8 (15.4) 13.4
Result of the period after taxes 14.6 17.4 15.4 (36.1) (9.7)
Combined profitability ratios
REBITDA / Sales 7.7% 6.4% 6.6% 5.8% 5.2%
EBITDA / Sales 6.2% 6.4% 5.9% 2.2% 3.9%
REBIT / Sales 4.4% 3.4% 3.6% 2.6% 2.4%
EBIT / Sales 2.0% 3.0% 2.8% -1.2% 1.0%
Result of the period after taxes (share of the Group) / Sales 1.1% 1.3% 1.2% -2.9% -0.8%
Annual growth rates (combined)
Sales 5.6% 2.2% -4.3% -4.6% 1.7%
REBITDA -2.7% -14.8% -1.1% -17.0% -9.4%
EBITDA -18.3% 6.3% -12.0% -64.5% 77.9%
REBIT -3.7% -20.0% 1.5% -30.6% -7.6%
EBIT -40.3% 52.2% -12.5% -141.8% nr
Result of the period after taxes (share of the Group) -30.4% 20.7% -11.9% nr nr
in million EUR
Consolidated balance sheet
Non-current assets 402.0 381.0 384.6 374.0 374.8
Current assets 375.4 347.1 248.2 235.0 251.1
TOTAL ASSETS 777.5 728.1 632.8 609.1 625.9
Total Equity 241.7 248.8 241.1 186.8 166.2
Non-current liabilities 235.9 195.0 182.4 160.2 219.7
Current liabilities
TOTAL LIABILITIES
299.9
777.5
284.4
728.1
213.8
637.3
265.5
612.4
251.9
637.8
Net working capital 85.4 85.1 55.0 18.0 32.6
Market capitalisation (December 31st) 229.4 131.9 152.5 163.0 152.8
Non-controlling interests 0.0 0.0 0.0 0.0 0.0
Net financial debt 157.6 149.6 137.7 138.2 168.3
ENTERPRISE VALUE 387.0 281.5 290.2 301.2 321.1
in million EUR
Combined Investments versus Depreciation
Investments in intangible and tangible fixed assets 35.2 33.4 52.3 30.5 35.8
Depreciation (excluding amortisation on goodwill, including impairment) 55.9 46.2 41.4 43.1 36.0
Investments / Sales 2.6% 2.4% 4.0% 2.4% 2.8%
Financial structure ratios
Net financial debt / Total equity (including non-controlling interests) 65% 60% 57% 74% 101%
Total equity (including non-controlling interests) / Total assets 31% 34% 38% 30% 26%
Current ratio 1.3 1.2 1.2 0.9 1.0
Valuation ratios
Price / Earnings (Market capitalisation (Dec 31st) / Result of the period
(Group share)) 15.9 7.6 9.9 n.r. n.r.
Enterprise value / EBITDA 4.6 3.2 3.7 10.9 6.5
Price / Book value (=Market capitalisation/Book value (share of the
Group))
0.95 0.53 0.63 0.87 0.92
in million EUR
Group Recticel 2010 2011 2012 2013 2014
Combined sales per business line
Flexible foams 602.7 596.2 588.3 583.4 593.0
growth rate 5.6% -1.1% -1.3% -0.8% 1.6%
Bedding 293.3 292.2 276.5 283.0 281.6
growth rate -6.2% -0.4% -5.3% 2.3% -0.5%
Insulation
growth rate
187.4
12.6%
223.1
19.0%
220.7
-1.1%
220.0
-0.3%
227.0
3.2%
Automotive 324.9 324.8 289.7 258.4 264.0
growth rate 12.2% 0.0% -10.8% -10.8% 2.2%
Eliminations (59.9) (58.1) (55.7) (86.2) (85.6)
Total sales 1 348.4 1 378.1 1 319.5 1 258.6 1 280.1
growth rate 5.6% 2.2% -4.3% -4.6% 1.7%
in million EUR
Combined EBIT per business line
Flexible foams
as % of sales
22.2
3.7%
22.6
3.8%
24.3
4.1%
(2.4)
-0.4%
25.1
4.2%
Bedding 17.3 16.6 12.8 10.4 2.9
as % of sales 5.9% 5.7% 4.6% 3.7% 1.0%
Insulation 35.5 39.5 36.1 27.6 27.1
as % of sales 18.9% 17.7% 16.4% 12.5% 11.9%
Automotive 26.9 24.4 22.5 10.4 12.5
as % of sales 8.3% 7.5% 7.8% 4.0% 4.7%
Corporate (18.3) (14.3) (14.5) (18.3) (18.2)
Total EBITDA 83.5 88.8 81.1 27.7 49.3
as % of sales 6.2% 6.4% 6.1% 2.2% 3.9%
in million EUR
Combined EBIT per business line
Flexible foams 1.2 7.5 9.8 (16.4) 13.2
as % of sales
Bedding
0.2%
11.5
1.3%
10.9
1.7%
7.3
-2.8%
3.8
2.2%
(3.5)
as % of sales 3.9% 3.7% 2.6% 1.4% -1.2%
Insulation 32.1 35.8 32.1 21.9 21.1
as % of sales 17.2% 16.1% 14.6% 10.0% 9.3%
Automotive 1.6 2.8 5.9 (5.3) 1.8
as % of sales 0.5% 0.8% 2.0% -2.1% 0.7%
Corporate (18.8) (15.0) (15.3) (19.4) (19.2)
Total EBIT 27.6 42.0 39.7 (15.4) 13.4
as % of sales 2.0% 3.0% 3.0% -1.2% 1.0%
in units
Key figures per share
Number of shares (31 December)
28 931 456 28 931 456 28 931 456 28 947 356 29 664 256
Weighted average number of shares outstanding (before dilution) 28 931 456 28 931 456 28 931 456 28 498 521 28 953 478
Weighted average number of shares outstanding (after dilution) 29 329 026 33 769 050 33 990 837 28 498 521 28 953 478
in EUR
REBITDA 3.60 3.06 3.03 2.55 2.28
EBITDA 2.89 3.07 2.70 0.97 1.70
REBIT 2.04 1.63 1.65 1.16 1.06
EBIT 0.95 1.45 1.27 (0.54) 0.46
Result of the period (share of the Group) - Basic (1) 0.50 0.60 0.53 (1.27) (0.34)
Result of the period (share of the Group) - Diluted 0.49 0.55 0.49 (1.27) (0.34)
Gross dividend 0.27 0.28 0.29 0.20 0.20
Pay-out ratio 54% 46% 55% n.r. n.r.
Net book value (Group share) 8.35 8.60 8.33 6.45 5.60
Price / Earnings ratio (2) 15.9 7.6 9.9 n.r. n.r.
(1) calculated on the basis of the weigthed average number of shares outstanding (before
dilution effect)
per share (2) based on the share price of 31 December. Earnings = Result of the period (share of the Group)
in EUR
Ordinary share
on 31 December 7.93 4.56 5.27 5.63 5.15
lowest of the year 5.04 3.78 4.26 4.63 4.90
highest of the year 8.64 8.20 6.25 6.82 7.98
average daily volume traded (units) 68 246 36 840 19 748 36 049 43 974

Colophon

Recticel N.V./S.A.

Olympiadenlaan 2 B - 1140 Brussels T. +32 (0)2 775 18 11 F. +32 (0)2 775 19 90

External Communications & Investor Relations Manager

Michel De Smedt T. + 32 (0)2 775 18 09 F. + 32 (0)2 775 19 91 [email protected]

Dit verslag is beschikbaar in het Nederlands en het Engels. Ce rapport est disponible en néerlandais et anglais. This report is available in English and Dutch.

You can also download this Annual Report on www.recticel.com

Concept & Prepress: Lemon - Carlos Pavez General Coordination: Michel De Smedt

Thanks to all colleagues who contributed to the realisation of this Annual Report.

www.recticel.com

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