Banking level of collateral

Pivovar v Lovosicích – 2nd stage

The project aims to build a new residential complex on the site of a former brewery in the centre of Lovosice.

Basic yield
% p.a.
Total amount
mil. CZK
Collateral value
mil. CZK

About the project

The brewery was closed in 1950, and today its premises are not used.

The partner is working with an architectural firm that has developed a design for the future residential complex. According to this design, four new buildings with different heights (3 to 4 storeys) will be constructed. All buildings were designed with regard to orientation to the cardinal points and the requirements of standards and regulations.

The architectural and urban solution is designed so that the new buildings naturally fit into the historical location. The new buildings respect the dominant heights of the church and the castle, which will remain the main architectural elements of the town centre.Thanks to these new apartment buildings, the street network and the passage of this area, which was previously unused and formed a lifeless space, will be significantly improved.

The residential complex will also enrich the city with a green pedestrian zone in the courtyard, which 2 buildings will form. One of the buildings will also allow for the rental of commercial space.

The project aims to refinance the current lender. Part of the funds raised will be used to obtain a building permit. The partner has all aspects related to the building permit under control. Once the building permit has been successfully processed, construction work will start.

  • Location: Lovosice
  • Partner: Pivovar City Center, spol. s r.o.
  • Financing: from the sale of the property securing the loan or by refinancing from a bank loan
  • LTV: 70%
  • Security: The loan totalling CZK 90,510,000 is secured by a property worth CZK 129,300,000 (LTV 70%). At this stage, we are collecting CZK 6 617 000
Security of payment:
  1. Lien on real estate: LV 3253, k. ú. Lovosice (23 parcels, entire LV)
  2. Lien on business share: Pivovar City Center, spol. s r.o., ID No.: 28741978
  3. Liability: PERSEUS Equity s.r.o., ID No.: 06209858
  4. Notarial deed with direct enforceability clause
Financing of the project

After successful project financing, the partner has 12 months to repay the loan's principal.

For information on the partner's options for early repayment of the loan, please refer to Part D, bullet (d) of the Key Investor Information Sheet (KIIS).

Information regarding the risk score of the project can be found in the Risk Scoring Table.


Pivovar City Center, spol. s r.o.

Identifier: 28741978

Address: Přívozní 114/2, Lovosice, 410 02, CZ

Register: Pivovar City Center, spol. s r.o., is registered in the Commercial Register under file number C 30000/KSUL, Regional Court in Ústí nad Labem.

More information about the partner:

The owner of Pivovar City Center, spol. s r.o. is PERSEUS Group, a private group founded in Prague in 1999. The company provides various services - from restructuring strategy to day-to-day management to finding a strategic partner for its direct investments.

In the Czech Republic, the company is also active in Brno, Ústí nad Labem, and Hradec Králové through its associates. In Slovakia, it is also active in Bratislava. The company's primary investment partners manage their operations from Munich, Germany, and Manchester, UK. Thus, the partner can generate its funds for the most attractive investment projects and, based on solid cooperation, long-term investment funds from several Western European and mostly American private investors.

PERSEUS is currently implementing several projects in the field of industrial park development, mainly in smaller and medium-sized towns in the Czech Republic. The projects will suit tenants and investors in light manufacturing, services, and similar business activities acceptable to local authorities.

More information about PERSEUS Group can be found on the official partner's website.

Frequently Asked Questions

When do I get paid my profit?

You will be paid the first profit one month after the amount you have collected has been sent to the project partner, and every month thereafter for the duration of the investment, always on the same day.

Is the interest rate fixed?

Yes, the interest rate is fixed, i.e. unchanging. We believe that the stability of the portfolio will bring more certainty to investors.

Is the investment secured by real estate?

Yes, the investment is secured by the property on which the lien is attached. Should any problem arise, the mortgage on the property will be used, the property will be sold and our investors will be paid.

What are the possible risks?

It may happen that your partner stops repaying his/her loan. At this point, we initiate recovery proceedings and demand payment of all debts. In the worst case scenario, the property on which the lien is placed may be sold and we will pay our investors a pro rata share based on how much they have invested.

What happens after I invest?

Your investment contributes to the amount you want. Once the amount is collected and the cooling-off period has elapsed, we sign the pledge agreements and send the amount to the partner, who then implements the project and makes monthly interest payments. Should the required amount not be collected, we return the full amount of your investment back to Investown's wallet.

What happens to the amount collected?

Once the full amount required is collected and the cooling-off period has expired, we sign the pledge agreements and send the amount to the partner, who then implements the project and makes monthly interest payments.

What if I want to end the investment before the full length of the investment has expired?

In case you need to end your investment early, you can offer it to other users on the Marketplace. Any verified user can buy it from you.

What happens after the investment period?

At the end of the investment period, all the money you invested will be returned to your Investown wallet, where you can either withdraw it to your bank account or reinvest it in a new project.