Investment
opportunities

Invest your capital for a stable profit with low
diversified risk

Invest
Exporting to more than 65 countries in the world
48 mil EUR loan portfolio
7 years in a row of growing loan portfolio
Average loan portfolio LTV of 36%
Annual Turnover of 94 mil EUR
55 000 m2 real estate built in the last 10 years
Collateral value of 92 mil EUR
Real estate development in Estonia, Lithuania and Poland

What We Offer
What We Offer

invest at a 5% annual interest rate

total investment amount — up to 50 million EUR

minimum disbursement – 10 million EUR

right for disbursement up to 6 months

schedule: 1 year bullet, followed by 9 year annuity

maturity of 10 years

Purpose of the Loan
Purpose of the Loan

refinancing existing bank loan

expanding portfolio

real estate development

Why is it Safe
Why is it Safe

large conglomerate comprising enterprises in various sectors such as manufacturing, real estate development, the financial sector, etc

Collateral values

manufacturing — 38 million EUR

real estate — 10 million EUR

security loan portfolio — 34 million EUR

investment risks are minimized not only through sectoral, but also through geographical diversification

Collateral markets

manufacturing — Europe, USA, Asia…

real estate — Estonia, Lithuania, Poland

security loan portfolio — Estonia, Lithuania

The corporation

Following is the group of companies and their respective subsidiaries, operating in various sectors such as manufacturing, real estate development, the financial sector.

ALG Liisingu AS

real estate development

Omega Laen AS

credit organization

Kredito Garantas UAB

credit organization

Balt Credit Sp. z.o.o

credit organization

Technomar & Adrem AS

manufacturing

AS Keemiakaubandus

industrial chemicals

Tasmo Ärigrupi AS

real estate
Invest

Technomar & Adrem AS

manufacturing company

Established in 1992

650 employees

Clients from more than 65 countries

Major products are parquet, furniture and furniture components, packaging and cable drums

Total Revenue

th €

Profit

th €

Our clients’ geography

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Financial Statements: Balance Sheet
Balance Sheet (EUR 000′) 2021 2022 2023
Current Assets 37 085 51 054 47 319
Cash 1 099 3 890 1 037
Financial investments 2 085 113 114
Debtors and advanced payments 14 637 16 098 16 918
Inventory 19 264 30 953 29 250
Non-current Assets 80 023 78 016 89 211
Debtors 56 487 51 323 63 605
Real estate investments 9 000 10 180 10 180
Tangible fixed assets 14 536 16 513 15 426
Assets 117 108 129 070 136 530
Current Liabilities 10 345 9 327 29 257
Short-term loans 4 955 2 116 25 937
Creditors 4 556 6 377 3 320
Appropriations 834 834 0
Non-current Liabilities 14 489 17 244 1 661
Long-term loans 14 489 17 244 1 661
Equity 92 207 102 569 105 566
Share capital 42 42 42
Reserve 4 4 4
Retained earnings 81 945 92 161 102 523
Net profit (loss) for the year 10 216 10 362 2 997
Minority Shareholding 67 -70 46
Equity & Liabilities 117 108 129 070 136 530
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Financial Statements: Income Statement
Income Statement (EUR 000′) 2021 2022 2023
Sales revenue 60 602 93 895 53 954
Other business earnings 394 1 883 582
Change in inventory balances 3 202 1 374 2
Costs of goods, material and services -39 241 -62 679 -31 739
Miscellaneous operating expenses -3 942 -6 257 -6 881
Labor costs -11 212 -12 748 -11 744
Depreciation of fixed assets -1 288 -1 439 -1 758
Other operating expenses -62 -92 -458
Gross Profit (loss) 8 453 13 937 1 958
Profit (loss) from subsidiaries 169 0 -184
Interest income 1 656 1 631 2 810
Interest expenses -423 -531 -1 405
Other financial income and expenses 382 -4 644 -92
Profit before tax 10 237 10 393 3 087
Income tax -21 -31 -90
Net Profit 10 216 10 362 2 997

ALG Liisingu AS

Real estate development

Established in 1994

Operates in Estonia and Lithuania markets

New developments from 2024 – Poland

97 % of development financed by shareholders

Real estate developed

m2

%

Profit

th €

%
Total revenue
Estonia
th €
5 126
2021
4 406
2022
5 091
2023
Total revenue
Lithuania
th €
1 370
2021
11 675
2022
4 318
2023
Poland
new project starting 2024
4050 m2
expected 1.6 Mil € Profit
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Financial Statements: Balance Sheet
Balance Sheet (EUR 000′) 2021 2022 2023
Current Assets 33 566 41 899 60 955
Cash 821 1 841 1 395
Debtors and advanced payments 20 681 27 266 43 360
Inventory 12 064 12 792 16 200
Non-current Assets 34 633 32 209 31 672
Financial investments 29 29 29
Debtors 29 427 27 738 27 457
Real estate investments 3 832 3 021 2 195
Tangible fixed assets 346 321 941
Intangible fixed assets 999 1 100 1 050
Assets 68 199 74 108 92 627
Current Liabilities 3 722 5 555 6 722
Short-term loans 2 651 4 282 5 526
Creditors 1 008 1 273 1 196
Appropriations 63 0 0
Non-current Liabilities 59 540 63 008 79 006
Long-term loans 59 540 63 008 78 968
Creditors 0 0 38
Equity 4 937 5 545 6 899
Share capital 160 160 160
Reserve 16 16 16
Unrealised spreads -8 -10 49
Retained earnings 3 627 3 673 4 485
Net profit (loss) for the year 1 142 1 706 2 189
Equity & Liabilities 68 199 74 108 92 627
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Financial Statements: Income Statement
Income Statement (EUR 000′) 2021 2022 2023
Sales revenue 2944 3484 3 103
Other business earnings 2319 922 1 988
Costs of goods, material and services -2803 -2041 -1 690
Miscellaneous operating expenses -1150 -1078 -1 360
Labor costs -1082 -1234 -1 489
Depreciation of fixed assets -249 -305 -264
Significant current asset discounts -63 -26 -48
Other operating expenses -185 -149 0
Gross Profit (loss) -269 -427 240
Profit (loss) from financial investments 29 0 47
Interest income 3500 4907 6 963
Interest expenses -2033 -2606 -4 928
Profit before tax 1 227 1 874 2 322
Income tax -85 -168 -133
Net Profit 1 142 1 706 2 189

Omega Laen AS

Non-banking mortgage loan provider

One of the largest providers of real estate-backed consumer loans

Established in 2009 and operating in Estonia, Lithuania and Poland

5 offices and 30 permanent employees

86% of loan portfolio is financed by shareholders

Loan Portfolio

th €

40.2%

Interest Income

th €

109%

Profit

th €

111.02%
Estonia
th €
Loan Portfolio
14 071 €
Lithuania
th €
Loan Portfolio
21 748 €
Poland
th €
Loan Portfolio
12 201 €
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Financial Statements: Balance Sheet
Balance Sheet (EUR 000′) 2021 2022 2023
Current Assets 20 817 28 114 44 143
Cash 625 1 780 1 312
Debtors and advanced payments 20 192 26 334 42 831
Non-current Assets 17 912 19 694 20 382
Debtors 16 973 18 508 18 343
Real estate investments 512 521 275
Tangible fixed assets 143 147 1 161
Intangible fixed assets 284 518 603
Assets 38 729 47 808 64 525
Current Liabilities 2 676 4 693 6 298
Short-term loans 1 973 3 871 5 308
Creditors 640 822 990
Provisions 63
Non-current Liabilities 32 952 39 106 52 258
Long-term loans 32 952 39 106 52 258
Equity 3 101 4 009 5 969
Share capital 100 100 100
Reserve 38 10 10
Retained earnings 1 702 1 909 3 012
Net profit (loss) for the year 1 261 1 909 2 847
Equity & Liabilities 38 729 47 808 64 525
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Financial Statements: Income Statement
Income Statement (EUR 000′) 2021 2022 2023
Revenues 3304 4758 6 907
Costs of sale -1681 -2384 -4 601
Gross Profit 1 623 2 374 2 306
Other Income 1609 1658 3 222
Administartive expenses -995 -814 -1 187
Labor -836 -979 -1 216
Other expenses -13 -74 -196
Profit before tax 1 388 2 165 2 929