Nordic Fibreboard AS unaudited financial report for the Q4 and 12 months of 2024

MANAGEMENT REPORT

Consolidated net sales for Q4 2024 were EUR 1.51 million, which was a 15% increase
compared  to  the  same  period  last  year  (Q4 2023: EUR 1.31 million). The main
business  area  is  Nordic  Fibreboard  Ltd,  the  production  and  wholesale of
fibreboard, which accounted for the majority of the Group`s revenue in Q4 2024.
The  second segment is the  management of the real  estate on Suur-Jõe street in
Pärnu,  the share of sales revenue of which  is 0.10% on total sales in the 4th
quarter of 2024 (0.95% in Q4 2023).

Sales  revenue in 2024 Q4 increased by EUR  212 thousand compared to the Q4 2023.
Sales  volume from Scandinavian construction sector  declined compared to the Q4
2023, while  orders  from  industrial  clients  have  shown  an growth trend. An
unexpected  force majeure situation  forced the factory  to temporarily close in
December, resulting in a production stoppage for the entire month. This affected
production  and  sales  volumes  in  December  and  had a negative impact on the
quarterly result.

Pärnu  Riverside Development OÜ's real estate management revenue on the Suur-Jõe
street  property decreased in  Q4 2024 compared to  the Q4 2023. The decrease in
sales  revenue was due to the termination  of rental agreements in August 2024.
The rental agreements were terminated due to the specific characteristics of the
production  building complex, which caused high communal costs that could not be
covered by rental income.

The  consolidated EBITDA  of Nordic  Fibreboard for  Q4 2024 was negative EUR 276
thousand,  the EBITDA  margin was  negative 18% (Q4  2023: EBITDA was positive EUR
245 thousand, and the EBITDA margin was positive 19%).  Compared to the Q4 2023
the Group`s gross margin decreased from 9% to 4% in the Q4 2024, which indicates
that the Group`s profitability in the Q4 2024 has decreased compared to the same
period last year.

The  large decrease in  EBITDA in the  Q4 2024 compared to  the same period last
year  was  mainly  due  to  the  revaluations  of investment properties in Pärnu
Riverside  Development OÜ and Nordic Fibreboard Ltd OÜ at the end of 2023, where
the  Group received a one-time income of  EUR 404 thousand from the revaluation of
investment properties. In the 2024, the fair value of real investment properties
did  not  change.  In  addition,  EBITDA  was  negatively impacted by the forced
shutdown  of the factory due to force  majeure situation in December. During the
shutdown,  personnel costs, factory maintenance costs and repair costs continued
to be covered, which had a negative effect on EBITDA.

The   financial  income  for  Q4  2024 was  EUR  68 thousand,  consisting  of  the
revaluation  of  Trigon  Property  Development  (TPD)  shares  (Q4  2023: EUR 0).
Financial expenses for the Q4 2024 amounted to EUR 87 thousand, consisting of loan
interest  costs (Q4 2023: EUR 237 thousand, of which  EUR 184 thousand was a loss on
the revaluation of TPD shares and EUR 54 thousand was interest costs on loans.

Group`s  consolidated net loss for Q4 2024 was EUR 427 thousand (Q4 2023: net loss
EUR 115 thousand).

Divisional review

Revenue by business segments

+----------------------------------+---------+---------+----------+----------+
| EUR thousand                       | Q4 2024 | Q4 2023 | 12M 2024 | 12M 2023 |
+----------------------------------+---------+---------+----------+----------+
| Fibreboards production and sales |   1,512 |   1,300 |    7,567 |    7,657 |
+----------------------------------+---------+---------+----------+----------+
| Real Estate Management           |       2 |      12 |       25 |       47 |
+----------------------------------+---------+---------+----------+----------+
| TOTAL                            |   1,514 |   1,312 |    7,592 |    7,704 |
+----------------------------------+---------+---------+----------+----------+

Profit by business segments

+--------------------------------------+-------+-------+--------+--------+
|EUR thousand                            |Q4 2024|Q4 2023|12M 2024|12M 2023|
+--------------------------------------+-------+-------+--------+--------+
|EBITDA by business units:             |       |       |        |        |
+--------------------------------------+-------+-------+--------+--------+
|Fibreboards production and sales      |  (245)|    127|      26|     510|
+--------------------------------------+-------+-------+--------+--------+
|Real Estate Management                |   (27)|    132|    (48)|     113|
+--------------------------------------+-------+-------+--------+--------+
|Group transactions                    |    (4)|   (14)|     (3)|    (44)|
+--------------------------------------+-------+-------+--------+--------+
|TOTAL EBITDA                          |  (276)|    245|    (25)|     579|
+--------------------------------------+-------+-------+--------+--------+
|Extraordinary other operating expenses|      0|      0|       0|   (406)|
+--------------------------------------+-------+-------+--------+--------+
|Deprecation                           |  (132)|  (123)|   (522)|   (489)|
+--------------------------------------+-------+-------+--------+--------+
|TOTAL OPERATING PROFIT/LOSS           |  (408)|    122|   (547)|   (316)|
+--------------------------------------+-------+-------+--------+--------+
|Net financial cost                    |   (19)|  (237)|   (239)|   (366)|
+--------------------------------------+-------+-------+--------+--------+
|NET PROFIT/LOSS                       |  (427)|  (115)|   (786)|   (682)|
+--------------------------------------+-------+-------+--------+--------+



Nordic Fibreboard Ltd: Fibreboard production and sales

Fibreboard  sales in Q4 2024 were EUR  1.51 million (Q4 2023: EUR 1.30 million). The
sales  result  was  primarily  influenced  by  industrial customers, whose order
volume  increased by  EUR 84 thousand,  reaching EUR  320 thousand (Q4  2023: EUR 236
thousand).  Construction related customers globally ordered products for a total
of EUR 1.13 million, which is EUR 156 thousand more than Q4 2023.

The  sales volume  of the  largest foreign  market, Finland, was EUR 318 thousand,
which  is EUR  42 thousand less  than in  Q4 2023. The  Baltic markets have made a
surprising  increase, where  sales increased  by EUR  155 thousand compared to the
same  period last year,  reaching EUR 585 thousand  (Q4 2023: EUR 430 thousand). The
sales  volumes of the remaining markets have also increased to some extent, with
customers located outside Europe showing the highest growth rate.

The  EBITDA of  the fibreboard  segment for  the Q4  2024 was a  negative EUR 245
thousand,  (Q4 2023: positive EUR  127 thousand).  The net  loss of the fibreboard
segment  for the Q4 2024 was EUR  390 thousand (Q4 2023: net loss EUR 199 thousand).
The  negative EBITDA in Q4 2024 compared to the same period last year was mainly
due  to the  forced shutdown  of the  factory due  to force majeure in December.
During the shutdown, personnel costs, factory maintenance costs and repair costs
continued to be covered, which negatively affected the EBITDA result.

Fibreboard sales by geographical segments

+----------------+-------------------+---------------------+
|                |    EUR thousand     |     EUR thousand      |
+----------------+---------+---------+----------+----------+
| Region         | Q4 2024 | Q4 2023 | 12M 2024 | 12M 2023 |
+----------------+---------+---------+----------+----------+
| European Union |   1,310 |   1,120 |    6,896 |    6,974 |
+----------------+---------+---------+----------+----------+
| Asia           |     111 |      11 |      212 |      114 |
+----------------+---------+---------+----------+----------+
| Africa         |      49 |      64 |      305 |      197 |
+----------------+---------+---------+----------+----------+
| Middle East    |      41 |      41 |      139 |      137 |
+----------------+---------+---------+----------+----------+
| Other regions  |       1 |      64 |       15 |      235 |
+----------------+---------+---------+----------+----------+
| TOTAL          |   1,512 |   1,300 |    7,567 |    7,657 |
+----------------+---------+---------+----------+----------+



Pärnu Riverside Development: Real estate management

Pärnu  Riverside  Development  owns  property  located  at Suur-Jõe 48 in Pärnu.
Rental  income from property management was EUR 2 thousand in Q4 2024, (Q4 2023: EUR
12 thousand).  Pärnu Riverside  Development OÜ  property management revenue from
the  Suur-Jõe Street property decreased in the  Q4 2024 compared to the Q4 2023
due  to the  termination of  rental agreements  in the  second half of 2024. The
decision   to   terminate   the  rental  agreements  was  due  to  the  specific
characteristics  of the production building  complex, which caused high communal
costs, and which could not be covered by rental income.

The  real estate management  EBITDA for Q4  2024 were negative EUR 27 thousand and
net  loss was EUR 33 thousand (Q4 2023: EBITDA was positive EUR 132 thousand and net
loss  EUR  129 thousand).  The  positive  EBITDA  and  net profit for Q4 2023 were
affected  by the revaluation of the fair value of the investment property at the
end  of 2023, the value of the property did  not change in the fair value of the
investment property as at the end of 2024.

Outlook

Nordic Fibreboard Ltd

Sales figures for Q4 2024 indicated moderate growth, but 2025 expected to be
challenging, especially for the construction sector. The largest foreign market,
Finland, which accounts for over 30% of total sales, continues to be in a
difficult economic situation. As the construction sector in other European
countries is not expected to recover quickly in the near future, the company is
shifting our focus to new markets and industry sectors to ensure sustainable
growth. Increasing sales volumes remains the Company's top priority in 2025.

The marketing activities and new brand image initiated in 2024 will help to
strengthen the Company market position and make the Company's external image
more modern. The Company continues to actively develop products to expand and
update its product range, providing solutions for both the construction and
industrial sectors. The growing interest in Nordic Fibreboard products, the
increased number of price inquiries and the commitment to sales and marketing
activities give the Company reason to enter 2025 with cautious optimism.

Despite the challenging economic environment, Nordic Fibreboard has been
forward-looking and plan to renew and improve its digital solutions and invest
in the modernization of the factory's energy solutions. The focusing is also on
planning factory upgrades to ensure high-quality production and modern technical
solutions.

For a Company, employees are one of the most valuable assets. The Company has
attracted top specialists to the team and intend to continue doing so to support
the company's growth and development in the desired direction.

Like many businesses, believes Nordic Fibreboard that the deepest point of the
economic downturn has passed and that a gradual recovery will begin in 2025.
This positive outlook is supported by the continued decline in interest rates
and the overall stabilization of the economy.

Pärnu Riverside Development

We  will continue  to manage  and develop  the property  on Suur-Jõe Street 48,
Pärnu.  A detail plan for the property has been completed, with the intention of
converting the property into a private residential property.

FINANCIAL HIGHLIGHTS

+------------------------------------------------------------+
| EUR thousand                                                 |
+------------------+---------+---------+----------+----------+
| Income statement | Q4 2024 | Q4 2023 | 12M 2024 | 12M 2023 |
+------------------+---------+---------+----------+----------+
| Revenue          |   1 514 |   1 312 |    7 592 |    7 704 |
+------------------+---------+---------+----------+----------+
| EBITDA           |   (276) |     245 |     (25) |      579 |
+------------------+---------+---------+----------+----------+
| EBITDA margin    |   (18%) |     19% |     (0%) |       8% |
+------------------+---------+---------+----------+----------+
| Operating profit |   (408) |     122 |    (547) |    (316) |
+------------------+---------+---------+----------+----------+
| Operating margin |   (27%) |      9% |     (7%) |     (4%) |
+------------------+---------+---------+----------+----------+
| Net profit/-loss |   (427) |   (115) |    (786) |    (682) |
+------------------+---------+---------+----------+----------+
| Net margin       |   (28%) |    (9%) |    (10%) |     (9%) |
+------------------+---------+---------+----------+----------+


+---------------------------------+------------+------------+
| Statement of financial position | 31.12.2024 | 31.12.2023 |
+---------------------------------+------------+------------+
| Total assets                    |      8,252 |      8,505 |
+---------------------------------+------------+------------+
| Return on assets                |      (10%) |       (8%) |
+---------------------------------+------------+------------+
| Equity                          |      3,616 |      4,402 |
+---------------------------------+------------+------------+
| Return on equity                |      (22%) |      (16%) |
+---------------------------------+------------+------------+
| Debt-to-equity-ratio            |        56% |        48% |
+---------------------------------+------------+------------+



+---------------------------------+------------+------------+
| Share                           | 31.12.2024 | 31.12.2023 |
+---------------------------------+------------+------------+
| Last price (EUR)*                 |       0.90 |       0.90 |
+---------------------------------+------------+------------+
| Earnings per share (EUR)          |     (0.17) |     (0.15) |
+---------------------------------+------------+------------+
| Price-earnings ratio            |     (5.15) |     (5.93) |
+---------------------------------+------------+------------+
| Book value of a share (EUR)       |       0.80 |       0.98 |
+---------------------------------+------------+------------+
| Market to book ratio            |       1.12 |       0.92 |
+---------------------------------+------------+------------+
| Market capitalization, (tuh EUR)  |      4,049 |      4,049 |
+---------------------------------+------------+------------+
| Number of shares (piece)        |  4,499,061 |  4,499,061 |
+---------------------------------+------------+------------+



CONSOLIDATED INTERIM FINANCIAL STATEMENTS

CONSOLIDATED STATEMENTS OF FINANCIAL POSITIONS

+---------------------------------------------+----------+----------+----------+
|EUR thousand                                   |31.12.2024|31.12.2023|31.12.2022|
+---------------------------------------------+----------+----------+----------+
|Cash and cash equivalents                    |        53|         7|         2|
+---------------------------------------------+----------+----------+----------+
|Receivables and prepayments (Note 2)         |       571|       534|       559|
+---------------------------------------------+----------+----------+----------+
|Inventories (Note 3)                         |       624|       728|     1,672|
+---------------------------------------------+----------+----------+----------+
|Total current assets                         |     1,248|     1,269|     2,233|
+---------------------------------------------+----------+----------+----------+
|                                             |          |          |          |
+---------------------------------------------+----------+----------+----------+
|Investment property (Note 4)                 |     2,380|     2,269|     1,859|
+---------------------------------------------+----------+----------+----------+
|Financial assets at fair value through profit|          |          |          |
|or loss (Note 7)                             |       499|       491|       644|
+---------------------------------------------+----------+----------+----------+
|Property, plant, equipment and right-of use  |          |          |          |
|assets (Note 5)                              |     4,122|     4,475|     4,670|
+---------------------------------------------+----------+----------+----------+
|Intangible assets (Note 6)                   |         3|         1|         2|
+---------------------------------------------+----------+----------+----------+
|Total non-current assets                     |     7,004|     7,236|     7,175|
+---------------------------------------------+----------+----------+----------+
|                                             |          |          |          |
+---------------------------------------------+----------+----------+----------+
|TOTAL ASSETS                                 |     8,252|     8,505|     9,408|
+---------------------------------------------+----------+----------+----------+
|                                             |          |          |          |
+---------------------------------------------+----------+----------+----------+
|Borrowings (Note 8)                          |     1,111|       556|       290|
+---------------------------------------------+----------+----------+----------+
|Payables and prepayments (Note 9)            |       788|       756|     1,014|
+---------------------------------------------+----------+----------+----------+
|Short-term provisions (Note 10)              |        21|        21|        18|
+---------------------------------------------+----------+----------+----------+
|Total current liabilities                    |     1,920|     1,333|     1,322|
+---------------------------------------------+----------+----------+----------+
|                                             |          |          |          |
+---------------------------------------------+----------+----------+----------+
|Long-term borrowings (Note 8)                |     2,613|     2,659|     2,875|
+---------------------------------------------+----------+----------+----------+
|Long-term provisions (Note 10)               |        94|       111|       127|
+---------------------------------------------+----------+----------+----------+
|Other long-term liabilities                  |         9|         0|         0|
+---------------------------------------------+----------+----------+----------+
|Total non-current liabilities                |     2,716|     2,770|     3,002|
+---------------------------------------------+----------+----------+----------+
|Total liabilities                            |     4,636|     4,103|     4,324|
+---------------------------------------------+----------+----------+----------+
|                                             |          |          |          |
+---------------------------------------------+----------+----------+----------+
|Share capital (at nominal value) (Note 11)   |       450|       450|       450|
+---------------------------------------------+----------+----------+----------+
|Statutory reserve capital                    |        45|        45|        45|
+---------------------------------------------+----------+----------+----------+
|Retained earnings (loss)                     |     3,121|     3,907|     4,589|
+---------------------------------------------+----------+----------+----------+
|Total equity                                 |     3,616|     4,402|     5,084|
+---------------------------------------------+----------+----------+----------+
|                                             |          |          |          |
+---------------------------------------------+----------+----------+----------+
|TOTAL LIABILITIES AND EQUITY                 |     8,252|     8,505|     9,408|
+---------------------------------------------+----------+----------+----------+


 CONSOLIDATED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME

+------------------------------------+-------+-------+--------+--------+
|EUR thousand                          |Q4 2024|Q4 2023|12M 2024|12M 2023|
+------------------------------------+-------+-------+--------+--------+
|Revenue (Note 13)                   |  1,514|  1,312|   7,592|   7,704|
+------------------------------------+-------+-------+--------+--------+
|Cost of goods sold (Note 14)        |  1,586|  1,313|   6,820|   6,810|
+------------------------------------+-------+-------+--------+--------+
|Gross profit (loss)                 |   (72)|    (1)|     772|     894|
+------------------------------------+-------+-------+--------+--------+
|                                    |       |       |        |        |
+------------------------------------+-------+-------+--------+--------+
|Distribution costs (Note 15)        |    210|    137|     935|     673|
+------------------------------------+-------+-------+--------+--------+
|Administrative expenses (Note 16)   |    120|    141|     381|     514|
+------------------------------------+-------+-------+--------+--------+
|Other operating income (Note 18)    |      0|    404|       8|     404|
+------------------------------------+-------+-------+--------+--------+
|Other operating expenses (Note 18)  |      6|      3|      11|     427|
+------------------------------------+-------+-------+--------+--------+
|Operating profit (loss)             |  (408)|    122|   (547)|   (316)|
+------------------------------------+-------+-------+--------+--------+
|                                    |       |       |        |        |
+------------------------------------+-------+-------+--------+--------+
|Finance income (Note 19)            |     68|      0|       8|       0|
+------------------------------------+-------+-------+--------+--------+
|Finance costs (Note 19)             |     87|    237|     247|     366|
+------------------------------------+-------+-------+--------+--------+
|PROFIT (LOSS) BEFORE INCOME TAX     |  (427)|  (115)|   (786)|   (682)|
+------------------------------------+-------+-------+--------+--------+
|                                    |       |       |        |        |
+------------------------------------+-------+-------+--------+--------+
|NET PROFIT (LOSS) FOR THE PERIOD    |  (427)|  (115)|   (786)|   (682)|
+------------------------------------+-------+-------+--------+--------+
|                                    |       |       |        |        |
+------------------------------------+-------+-------+--------+--------+
|Basic earnings per share (Note 12)  | (0.09)| (0.03)|  (0.17)|  (0.15)|
+------------------------------------+-------+-------+--------+--------+
|Diluted earnings per share (Note 12)| (0.09)| (0.03)|  (0.17)|  (0.15)|
+------------------------------------+-------+-------+--------+--------+



CONSOLIDATED STATEMENT OF CASH FLOWS

+------------------------------------------------------------+--------+--------+
|EUR thousand                                                  |12M 2024|12M 2023|
+------------------------------------------------------------+--------+--------+
|Cash flow from operating activities                         |        |        |
+------------------------------------------------------------+--------+--------+
|Operating profit (-loss)                                    |   (547)|   (316)|
+------------------------------------------------------------+--------+--------+
|Adjustments:                                                |        |        |
+------------------------------------------------------------+--------+--------+
|Depreciation charge (Note 5; 6)                             |     522|     489|
+------------------------------------------------------------+--------+--------+
|Profit from revaluation of real estate investment (Note 4)  |       0|   (404)|
+------------------------------------------------------------+--------+--------+
|Change in trade and other receivables (Note 2)              |    (37)|      25|
+------------------------------------------------------------+--------+--------+
|Change in inventories (Note 3)                              |     103|     944|
+------------------------------------------------------------+--------+--------+
|Change in trade and other payables (Note 9)                 |      32|   (258)|
+------------------------------------------------------------+--------+--------+
|Cash generated from operations                              |      73|     480|
+------------------------------------------------------------+--------+--------+
|Interest payments (Note 8; 19)                              |   (202)|   (181)|
+------------------------------------------------------------+--------+--------+
|Net other financial income and expense                      |    (45)|    (33)|
+------------------------------------------------------------+--------+--------+
|Net cash generated from operating activities                |   (174)|     266|
+------------------------------------------------------------+--------+--------+
|                                                            |        |        |
+------------------------------------------------------------+--------+--------+
|Cash flow from investing activities                         |        |        |
+------------------------------------------------------------+--------+--------+
|Purchase of property, plant and equipment and intangible    |        |        |
|assets (Note 5; 6)                                          |   (178)|   (251)|
+------------------------------------------------------------+--------+--------+
|Purchase of real estate investment (Note 4)                 |   (111)|     (6)|
+------------------------------------------------------------+--------+--------+
|Net cash used in investing activities                       |   (289)|   (257)|
+------------------------------------------------------------+--------+--------+
|                                                            |        |        |
+------------------------------------------------------------+--------+--------+
|Cash flow from financing activities                         |        |        |
+------------------------------------------------------------+--------+--------+
|Repayment of loans received (Note 8)                        |   (210)|   (408)|
+------------------------------------------------------------+--------+--------+
|Loans received from related parties (Note 8)                |     400|     200|
+------------------------------------------------------------+--------+--------+
|Finance lease payments (Note 8)                             |    (23)|    (50)|
+------------------------------------------------------------+--------+--------+
|Change in overdraft (Note 8)                                |     342|     254|
+------------------------------------------------------------+--------+--------+
|Net cash (used in)/from financing activities                |     509|     (4)|
+------------------------------------------------------------+--------+--------+
|                                                            |        |        |
+------------------------------------------------------------+--------+--------+
|NET CHANGE IN CASH                                          |      46|       5|
+------------------------------------------------------------+--------+--------+
|OPENING BALANCE OF CASH                                     |       7|       2|
+------------------------------------------------------------+--------+--------+
|CLOSING BALANCE OF CASH                                     |      53|       7|
+------------------------------------------------------------+--------+--------+




Enel Äkke
Member of Management Board
+372 55525550
[email protected]