The loan was provided for the development of business activities of a Czech limited liability company. The group of companies, co-owned by the loan client, operates in the sale of consumer goods through online stores. It primarily focuses on selling branded cooking products. Gastronomy is the core of the client’s business, and they have built a reputation by organizing popular cooking classes for individuals (both children and adults) as well as for companies (teambuilding events). Additionally, the company specializes in selling kitchen appliances (e.g., branded coffee machines, blenders) and fashion accessories. The client is a long-term partner of Ronda Invest a.s., with whom they have consistently repaid loans without issues. The loan is secured by a modern family house in Dolni Pocernice.
Description of the real estate collateral:
Family House – Prague 14 – Dolni Pocernice
- Basic property description: The layout of the family house is 5+kk, and the house is detached. The ground floor (1st level) features a hall with a staircase, a bathroom with a WC, a room, an office, a spacious living room with a kitchenette, and access to the garden. The second floor (2nd level) consists of 3 separate rooms, the main bathroom, a separate WC, and a technical room.
- Property value as of the date: CZK 13,650,000, appraisal from January 12, 2021.
- Lien in the 1st order.
- Location and surroundings: The family house is located in the eastern part of the capital city of Prague. The house is situated in a new development area of terraced family houses. The neighborhood offers complete amenities, including a store, a primary school, and a kindergarten. Public transportation accessibility is provided by buses and the metro.
- Technical condition of the property: The house was approved for use in 2010. Access to the house is via a paved road with a sidewalk.
Description of Real Estate Collateral
- Basic Property Description: The property is a family house located in Hořovice, which the client acquired through a public state auction. The house is currently in its original condition and is awaiting renovation.
- Property Value as of: CZK 6,300,000, according to a valuation dated 9 October 2025.
- First-ranking mortgage lien
- Location and Surroundings: Basic amenities are within walking distance, and a bus stop is located approximately 200 metres from the property.
- Technical Condition of the Property: The family house is currently vacant. A comprehensive renovation of the property is planned, followed by its conversion into several compact residential units.
- Basic Property Description:
- Property Value as of:
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings:
- Technical Condition of the Property:
- Basic Property Description: A residential building located in the centre of Hořovice comprising 12 compact residential units.
- Property Value as of: CZK 18,800,000, according to a valuation dated 13 February 2024.
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings: Basic amenities are within walking distance, and a bus stop is located approximately 200 metres from the property.
- Technical Condition of the Property: The residential units are equipped with modern features, including remote-controlled heating.
- Basic Property Description: A residential building comprising two above-ground floors, two building wings, a converted attic, and a partial basement.
- Property Value as of: CZK 23,641,186, according to a valuation dated 29 April 2025.
- Second-ranking mortgage lien. The higher-ranking mortgage lien is held in favour of Ronda Invest a.s.
- Location and Surroundings: Roudnice nad Labem is a smaller town within commuting distance of Prague, offering a direct railway connection to the capital and convenient access to the D8 motorway.
- Technical Condition of the Property: The property is currently undergoing renovation, primarily of the first (front) building wing, and is approximately 20% complete. Upon completion, the building will comprise 22 rental apartments with a total usable floor area of 1,154 m².