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Registered number: 13181668









TENE LIVING UK (READING) LTD







UNAUDITED

ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2024

 
TENE LIVING UK (READING) LTD
 
 
 
COMPANY INFORMATION


 
Directors
E L Orf 
S Y Rubin 




Registered number
13181668



Registered office
35 Ballards Lane

London

N3 1XW




Accountants
Berg Kaprow Lewis LLP
Accountants

35 Ballards Lane

London

N3 1XW





 
TENE LIVING UK (READING) LTD
 
 
 
CONTENTS



Page
Directors' Report
 
 
1 - 2
Statement of Profit or Loss and Other Comprehensive Income

 
3
Statement of Financial Position
 
 
4 - 5
Statement of Changes in Equity
 
 
6
Statement of Cash Flows
 
 
7
Notes to the Financial Statements
 
 
8 - 18
Detailed Profit and Loss Account and Summaries

 
18

 

 
TENE LIVING UK (READING) LTD
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

The directors present their report and the financial statements for the year ended 31 December 2024.

Directors' responsibilities statement

The directors are responsible for preparing the Directors' Report and the financial statements, in accordance with applicable law.

Company law requires the directors to prepare financial statements for each financial year. Under that law they have elected to prepare the financial statements in accordance with International Financial Reporting Standards (IFRS) as adopted by the UK.

Under company law the directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Company and of the profit or loss of the Company for that period. In preparing the financial statements, the directors are required to:

select suitable accounting policies and then apply them consistently;

make judgments and estimates that are reasonable and prudent;

state whether they have been prepared in accordance with IFRS as adopted by the UK, subject to any material departures disclosed and explained in the financial statements;

assess the Company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern; and

use the going concern basis of accounting unless they either intend to liquidate the Company or to cease operations, or have no realistic alternative but to do so.

The directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and enable them to ensure that the financial statements comply with the Companies Act 2006. They are responsible for such internal control as they determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error, and have general responsibility for taking such steps as are reasonably open to them to safeguard the assets of the Company and to prevent and detect fraud and other irregularities.

Principal activity

The principal activity of the Company during the financial year was property investment.

Results and dividends

The loss for the year, after taxation, amounted to £1,820,103 (2023 - loss £1,061,192).

The directors have confirmed no dividends will be declared in the year (2023 £Nil).

Directors

The directors who served during the year were:

E L Orf 
S Y Rubin 

Page 1

 
TENE LIVING UK (READING) LTD
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024
Future developments

The business will continue to develop the project as per the approved business plan, expecting to receive the final planning approvals for project expansion and commencement of development works in the year to come. 

Small companies' exemption note

In preparing this report, the directors have taken advantage of the small companies exemptions provided by section 415A of the Companies Act 2006.

This report was approved by the board and signed on its behalf.
 



S Y Rubin
Director

Date: 23 September 2025
Page 2

 
TENE LIVING UK (READING) LTD
 
 
 
STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2024


2024
2023
Note
£
£

  

Revenue
 6 
82,440
136,246

Gross profit
  
82,440
136,246

  

Administrative expenses
 7 
(936,359)
(393,025)

Loss from operations
  
(853,919)
(256,779)

  

Finance income
 9 
-
290

Finance expense
 8 
(966,184)
(804,703)

Loss before tax
  
(1,820,103)
(1,061,192)

  

Tax expense
  
-
-

Loss for the year
  
(1,820,103)
(1,061,192)


Total comprehensive income
  
(1,820,103)
(1,061,192)

The notes on pages 8 to 18 form part of these financial statements.

Page 3

 
TENE LIVING UK (READING) LTD
REGISTERED NUMBER: 13181668
 
 
STATEMENT OF FINANCIAL POSITION
AS AT 31 DECEMBER 2024


2024
2023
Note
£
£

Assets

Non-current assets
  

Investment property
 9 
21,839,791
19,138,543

  
21,839,791
19,138,543

Current assets
  

Trade and other receivables
 10 
297,808
670,654

Cash and cash equivalents
  
1,016,742
3,538,213

  
1,314,550
4,208,867

  

Total assets

  

23,154,341
23,347,410

Liabilities

Current liabilities
  

Trade and other liabilities
 11 
17,454,396
16,985,766

Loans and borrowings
 12 
9,708,907
8,550,504

  
27,163,303
25,536,270

  

Total liabilities
  
27,163,303
25,536,270

  

  

Net liabilities
  
(4,008,962)
(2,188,860)


Issued capital and reserves
  

Share capital
 13 
100
100

Retained earnings
  
(4,009,062)
(2,188,960)

TOTAL EQUITY
  
(4,008,962)
(2,188,860)

Page 4

 
TENE LIVING UK (READING) LTD
REGISTERED NUMBER: 13181668
 
 
STATEMENT OF FINANCIAL POSITION (CONTINUED)
AS AT 31 DECEMBER 2024


For the year ending 31 December 2024 the Company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

The members have not required the Company to obtain an audit for the year in question in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

The Company's financial statements have been prepared in accordance with the provisions applicable to the companies subject to the small companies regime.

The financial statements on pages 3 to 18 were approved and authorised for issue by the board of directors and were signed on its behalf by:




S Y Rubin
Director

Date: 23 September 2025

The notes on pages 8 to 18 form part of these financial statements.

Page 5

 
TENE LIVING UK (READING) LTD

 
 
STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024



Share capital
Retained earnings
Total equity


£
£
£

At 1 January 2023
100
(1,127,768)
(1,127,668)

Comprehensive income for the year


Loss for the year
-
(1,061,192)
(1,061,192)

Total comprehensive income for the year
-
(1,061,192)
(1,061,192)

At 31 December 2023
100
(2,188,960)
(2,188,860)

At 1 January 2024
100
(2,188,959)
(2,188,859)

Comprehensive income for the year


Loss for the year
-
(1,820,103)
(1,820,103)

Total comprehensive income for the year
-
(1,820,103)
(1,820,103)

At 31 December 2024
100
(4,009,062)
(4,008,962)

The notes on pages 8 to 18 form part of these financial statements.

Page 6

 
TENE LIVING UK (READING) LTD

 
 
STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 DECEMBER 2024


2024
2023
Note
£
£

Cash flows from operating activities
  

Loss for the year
  
(1,820,103)
(1,061,192)

Adjustments for
  

Finance expense
 8 
966,184
804,703

  
(853,919)
(256,489)

Movements in working capital:
  

Decrease/(increase) in trade and other receivables
  
372,846
(322,833)

Increase in trade and other payables
  
1,627,033
7,378,284

Cash generated from operations
  
1,145,960
6,798,962

  

Net cash from operating activities

  
1,145,960
6,798,962

Cash flows from investing activities
  

Purchases of property, plant and equipment
 8 
(2,701,247)
(2,989,993)

Net cash used in investing activities

  
(2,701,247)
(2,989,993)

Cash flows from financing activities
  

Interest paid on convertible loan notes
  
(966,184)
(804,703)

Net cash used in financing activities
  
(966,184)
(804,703)

Net (decrease)/increase in cash and cash equivalents
  
(2,521,471)
3,004,266

  

Cash and cash equivalents at the beginning of year
  
3,538,213
533,947

Cash and cash equivalents at the end of the year
  
1,016,742
3,538,213

The notes on pages 8 to 18 form part of these financial statements.

Page 7

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.Accounting policies

 
1.1

Revenue

Revenue is measured based on the consideration specified in a contract with a customer and excludes amounts collected on behalf of third parties. The Company recognises revenue when it transfers control or service to a customer.
The primary sources of revenue for the company is rental income and other property related services.

The Company does not expect to have any contracts where the period between the transfer of the promised goods or services to the customer and payment by the customer exceeds one year. As a consequence, the Company does not adjust any of the transaction prices for the time value of money.


1.2

Borrowing costs

Borrowing costs directly attributable to the acquisition, construction or production of qualifying assets, which are assets that necessarily take a substantial period of time to get ready for their intended use or sale, are added to the cost of those assets, until such time as the assets are substantially ready for their intended use or sale.

Investment income earned on the temporary investment of specific borrowings pending their expenditure on qualifying assets is deducted from the borrowing costs eligible for capitalisation.

All other borrowing costs are recognised in profit or loss in the period in which they are incurred.

 
1.3

Investment property

Investment properties are properties held to earn rentals and/or for capital appreciation. Investment properties are measured initially at cost, including transaction costs. Subsequent to initial recognition, investment properties are measured at fair value. All of the Company's property interests held under operating leases to earn rentals or for capital appreciation purposes are accounted for as investment properties and are measured using the fair value model.

An investment property is derecognised upon disposal or when the investment property is permanently withdrawn from use and no future economic benefits are expected from the disposal. Any gain or loss arising on derecognition of the property (calculated as the difference between the net disposal proceeds and the carrying amount of the asset) is included in profit or loss in the period in which the property is derecognised.

Page 8

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.Accounting policies (continued)

  
1.4

Impairment of tangible and intangible assets other than goodwill

At the end of each reporting period, the Company reviews the carrying amounts of its tangible and intangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any). When it is not possible to estimate the recoverable amount of an individual asset, the Company estimates the recoverable amount of the cash-generating unit to which the asset belongs. When a reasonable and consistent basis of allocation can be identified, corporate assets are also allocated to individual cash-generating units, or otherwise they are allocated to the smallest group of cash-generating units for which a reasonable and consistent allocation basis can be identified.

Intangible assets with indefinite useful lives and intangible assets not yet available for use are tested for impairment at least annually, and whenever there is an indication that the asset may be impaired.

Recoverable amount is the higher of fair value less costs of disposal and value in use. In assessing 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 not 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 (or cash-generating unit) is reduced to its recoverable amount. An impairment loss is recognised immediately in profit or loss, unless the relevant asset is carried at a revalued amount, in which case the impairment loss is treated as a revaluation decrease.

When an impairment loss subsequently reverses, the carrying amount of the asset (or a 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 prior years. A reversal of an impairment loss is recognised immediately in profit or loss, unless the relevant asset is carried at a revalued amount, in which case the reversal of the impairment loss is treated as a revaluation increase.


1.5

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and demand deposits, together with other short-term, highly liquid investments maturing within 90 days from the date of acquisition that are readily convertible into known amounts of cash and which are subject to an insignificant risk of changes in value.

Page 9

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.Accounting policies (continued)

 
1.6

Financial instruments

Financial assets and financial liabilities are recognised when an entity becomes a party to the contractual provisions of the instruments.

Financial assets and financial liabilities are initially measured at fair value. Transaction costs that are directly attributable to the acquisition or issue of financial assets and financial liabilities (other than financial assets and financial liabilities at fair value through profit or loss) are added to or deducted from the fair value of the financial assets or financial liabilities, as appropriate, on initial recognition. Transaction costs directly attributable to the acquisition of financial assets or financial liabilities at fair value through profit or loss are recognised immediately in profit or loss.


2.


Reporting entity

Tene Living UK (Reading) Ltd (the 'Company') is a limited company incorporated in the UK. The Company's registered office is at 35 Ballards Lane, London, N3 1XW. The Company's principal activity is that of an investment property company.


3.


Basis of preparation

The financial statements have been prepared in accordance with International Financial Reporting Standards, International Accounting Standards and Interpretations as adopted by the UK (collectively IFRSs )and with the requirements of the Companies Act 2006 as applicable to small companies. They were authorised for issue by the Company's board of directors on 23 September 2025.

Details of the Company's accounting policies, including changes during the year, are included in note 1.

In preparing these financial statements, management has made judgments, estimates and assumptions that affect the application of the Company accounting policies and the reported amounts of assets, liabilities, income and expenses. Actual results may differ from these estimates.

Estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to estimates are recognised prospectively.

The areas where judgments and estimates have been made in preparing the financial statements and their effects are disclosed in note 5.


3.1 Basis of measurement

The financial statements have been prepared on a historical cost basis unless otherwise stated within specific accounting policies.





Page 10

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

3.Basis of preparation (continued)


3.2 Changes in accounting policies

i) New standards, interpretations and amendments effective from 1 January 2024

The following standards and interpretations apply for the first time to financial reporting periods commencing on or after 1 January 2024:
Classification of Liabilities as Current or Non-current – Amendments to IAS 1, Non-current liabilities with Covenants – Amendments to IAS 1 
Lease Liability in a Sale and Leaseback – Amendments to IFRS 16 
Supplier finance arrangements – Amendments to IAS 7 and IFRS 7 
The following IFRS sustainability standards were issued by the International Sustainability Standards Board (ISSB) in June 2023.
IFRS S1: General requirements for disclosure of sustainability-related financial information 
IFRS S2: Climate-related disclosures 
The standards are applicable for annual reporting periods beginning on or after 1 January 2024, however are yet to be endorsed by the UK Government which will determine which companies are in scope and the exact effective date (currently expected to be no earlier than accounting periods beginning on or after 1 January 2026).
 
New standard or amendment – issued but not yet effective in the year
As at 31 December 2024, the following standards and interpretations had been issued but were not mandatory for annual reporting periods ending on 31 December 2024.
Amendments to IAS 21 to clarify the accounting when there is a lack of exchangeability 
Amendment to IFRS 9 and IFRS 7 - Classification and Measurement of Financial Instruments
Annual improvements to IFRS – Volume 11
IFRS 18 Presentation and Disclosure in Financial Statements
IFRS 19 Subsidiaries without Public Accountability: Disclosures




Page 11

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

3.Basis of preparation (continued)


New standards, interpretations and amendments not yet effective (continued)

Certain new accounting standards and interpretations have been published that are not mandatory for 31 December 2024 reporting periods and have not been early adopted by the company. None of these are expected to have a material impact on the company in the current or future reporting periods and on foreseeable future transactions.

The directors anticipate that the adoption of these Standards in future periods may have an impact on the results and net assets of the Company, however, it is too early to quantify this.

The directors anticipate that the adoption of other Standards and interpretations that are not yet effective in future periods will only have an impact on the presentation in the financial statements of the Company.

The directors have assessed the Statement of Financial Position and likely future cash flows at the date of approving these financial statements. The directors have a reasonable expectation that the Company has adequate resources to continue in operational existence and to meet its financial obligations as they fall due for at least 12 months from the date of signing these financial statements. Accordingly, they continue to adopt the going concern basis in preparing the financial statements. 


4.


Functional and presentation currency

These financial statements are presented in pound sterling, which is the Company's functional currency. All amounts have been rounded to the nearest pound, unless otherwise indicated.


5.


Accounting estimates and judgments


5.1 Estimates and assumptions

Value of Investment Property

The Investment Property is still under construction and development. The management accounted for additional work in progress as capitalisable costs and added to the cost of the investment property. 
Upon completion of the structure, the management will engage an independent valuation to determine the fair value of the property.

Page 12

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

6.


Revenue


The following is an analysis of the Company's revenue for the year from continuing operations:


2024
2023
£
£


Rent receivable
74,379
127,386

Fees receivable
8,061
8,860

82,440
136,246


Analysis of revenue by country of destination:

2024
2023
£
£


United Kingdom
82,440
136,246

Timing of revenue recognition:

2024
2023
£
£

Goods and services transferred over time
82,440
136,246

82,440
136,246


7.


Expenses by nature

2024
2023
£
£


Legal and professional
331,355
196,494

Insurances
381,004
75,428

Rates
66,409
84,128

Administration costs
19,379
15,025

Auditors' remuneration - non-audit
62,098
21,950

Administration costs
860,245
393,025


Page 13

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

8.


Finance income and expense

Recognised in profit or loss


2024
2023
£
£
Finance income



Bank interest income
-
290

Total finance income

-
290

Finance expense

Bank interest expense
966,184
804,703

Total finance expense
966,184
804,703


Net finance expense recognised in profit or loss
(966,184)
(804,413)







9.


Investment property

(i) Non-current assets


2024
2023
£
£


Opening balance
19,063,224
15,939,835

Under Construction
2,776,567
3,198,708

21,839,791
19,138,543

The Company’s investment property consist of one commercial floor and the remainder being residential properties. The investment property was under development as at 31 December 2024 and 2023.
As at 31 December 2024, the investment property that was under development is carried at cost of £21,915,905 (2023: £19,138,543) because its fair value could not be reliably measured due to the development phase of construction. Upon completion of the structure, the management will engage an independent valuation to determine the fair value of the property as the fair value is only reliably measured on completion of the construction. Fair value information is not provided, as none of the investment properties were measured at fair value at the end of the 2024 reporting period (2023: none).

Page 14

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

10.


Trade and other receivables


2024
2023
£
£


Trade receivables
21,774
13,986

Trade receivables - net
21,774
13,986

Receivables from related parties
2,771
130

Total financial assets other than cash and cash equivalents classified as loans and receivables
24,545
14,116

Prepayments and accrued income
181,546
257,956

Other receivables
91,719
398,582

Total trade and other receivables
297,810
670,654

Total current portion
(297,809)
(670,654)

The carrying value of trade and other receivables classified as loans and receivables approximates fair value.


11.


Trade and other payables


2024
2023
£
£


Trade payables
490,830
495,828

Payables to related parties
16,890,000
16,423,387

Other payables
30,000
-

Accruals
43,566
37,335

Total financial liabilities, excluding loans and borrowings, classified as financial liabilities measured at amortised cost
17,454,396
16,956,550

Deferred income
-
29,216

Total trade and other payables
17,454,396
16,985,766

Total current portion
(17,454,396)
(16,985,766)

Included within amounts falling due within one year is a balance of £16,890,000 (2023: £16,423,387) owed to a connected company. Interest has been waived on the loan during both the current and prior periods, as a result the loan has been included in these financial statements at fair value.

Page 15

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

12.


Loans and borrowings

2024
2023
£
£

Non-current

Current

Other loans - secured
9,708,907
8,550,504

9,708,907
8,550,504

Total loans and borrowings
9,708,907
8,550,504

Included within Loans and borrowings is a balance with Maslow IV loan of £9,708,907 (2023: £8,550,504).
Maslow IV bank loan
The Company increased its borrowings under this loan contract by £1,158,403 during the reporting period.

Page 16

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
13.


Share capital

Authorised

2024
2024
Number
£

Shares treated as equity
Ordinary shares of £1.00 each

100

100

100

100


Issued and fully paid


2024
2024
Number
£

Ordinary shares of £1.00 each

At 1 January and 31 December
100

100



14.


Related party transactions

Details of transactions between the Company and its related parties are disclosed below.

Included within amounts falling due within one year is a balance of £16,890,000 (2023: £16,423,387) owed to a connected company. Interest has been waived on the loan during both the current and prior periods, as a result the loan has been included in these financial statements at fair value.
Included within amounts Trade and other receivables due within one year is a balance of £2,771 (2023: £130) due from a connected company. Interest has been waived on the loan during both the current and prior periods, as a result the loan has been included in these financial statements at fair value.

Page 17

 
TENE LIVING UK (READING) LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

15.


Assets pledged as security

The carrying amounts of assets pledged as security for current and non-current borrowings are:


2024
2023
£
£

Current


Non-current

First mortgage

Freehold land and property
20,575,385
19,138,543

Total non-current assets
20,575,385
19,138,543

Total assets pledged as security
20,575,385
19,138,543

The investment property located at 3-10 Market Place Square, Reading, UK is pledged as collateral for a mortgage loan amounting to £6,988,000. The property’s carrying amount is £20,575,385. The mortgage carries a variable interest rate.


16.


Capital management

The Company holds shareholder equity and loan provided by Maslow IV Fund, with this capital providing for carrying out the defined business plan of the business in the acquisition and development of  the property located on 3-10 Market Place Square, Reading, UK. 

The Company is not subject to any externally imposed capital requirements.

The gearing ratios at 31 December 2024 and 31 December 2023 were as follows:

2024
2023
£
£


Interest-bearing loans
9,708,907
8,550,504

Cash and cash equivalents 
(1,016,742)
(3,538,213)

Trade and other payables
17,454,397
16,956,550

Net debt
26,146,562
21,968,841


Capital and reserves
(3,932,848)
(2,188,860)

Total equity
(3,932,848)
(2,188,860)

Net debt to total equity ratio
(665)% 
(1,004)% 

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