every homeis a building block

HABITAT FOR HUMANITY SOUTH AFRICAANNUAL REPORT FY2019JULY 1, 2018 - JUNE 30, 2019

Contents

An integral part of the work of Habitat for Humanity SA and one thing that distinguishes the organisation from others involved in similar work is our commitment to real transformation by engagaing volunteers to improve shelter-related conditions for low-income families.

As part of a 40 year old global Habitat for Humanity International (HFHI) brand, with over two decades of experience and expertise in working directly with communities, we are well positioned to partner with government, donors and the private sector to expedite housing delivery to South Africa’s most vulnerable low-income earning families.

Our Vision, Mission and PrinciplesLetter from our CEOFarewell to our ChairmanHabitat for Humanity SA’s Fy18-20 StrategyFY19 in NumbersNelson Mandela Day Team Build Event 2018Homeowner Story: Maswime FamilyPartner Build: Velocity VisionCommunity DevelopmentFundraisingFinancialsOur Partners

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FY

2019

OUR VISION

OUR MISSION

OUR PRINCIPLES

OUR VALUE PROPOSITION

OUR DEVELOPMENTAL APPROACH

A South Africa where everyone has a decent place to live

Seeking to put God’s love into action, Habitat for Humanity SA brings peopletogether to build homes, communities and hope

1) Demonstrate the love of God 4) Promote dignity and hope2) Focus on shelter 5) Support sustainable and 3) Advocate for affordable housing transformational

Bringing people together to provide decent shelter, improve livelihoodsand reduce housing poverty for low-income families

People - Public - Private - Partnership (P4 Approach)

LETTER FROM OUR CEO

PATRICK KULATIThrough providing decent shelter, facilitating improved socio-economic conditions and education, it is possible to provide a hope-filled future for those who are most vulnerable.

”I will never forget my first day as National Director at Habitat for Humanity SA. I stepped on to site at Mfuleni where we were building at the time and had a conversation with one of the beneficiaries who was soon to become a proud homeowner. These heart-warming conversations and the stories that are relayed are the reason that I feel called to my service here.

Homeowners often share stories about their joy andhappiness “that life now has so many possibilities”...and the empowerment that they feel to “move forward with their own lives” and “to think big” and to “give back”.

Habitat for Humanity SA believes that a house means more than a place to live; a decent home is the first step in a family’s journey out of poverty. A decent house renews a family’s dignity; builds strength, stability and self-reliance.

Thanks to the invaluable support from our various stakeholders and partners, Habitat for Humanity SA strives to continue to build thriving communities through our People-Public-Private Partnership (P4- Approach). The Build Event acts as a catalyst for people from across the sectors to come together to join hands in support of a combined

Through providing decent shelter, facilitating improved socio-economic conditions and education, it is possible to provide a hope-filled future for those who are most vulnerable.

Roger Crook

Cyrus Watuku

Dineo Molomo

Kgotla Bantsi

Cheryl-Lynn Freeman

Seth Maqetuka

DIRECTORSRBOARD OF

Thank you to our dedicated Directors for the time and expertise that you freely volunteer to overseeing Habitat for Humanity SA’s responsible stewardship and governance. Your commitment to our cause is deeply appreciated.

vision of a South Africa where everyone has a decent place to live.

Access to adequate housing is a human right. Currently, South Africa is one of the world’s most unequal societies with approximately 12 million South Africans living in extreme poverty. The current housing backlog is in excess of 2 million units despite the delivery of over 3 million housing units and opportunities through various government subsidy programmes since its democracy in 1994.

High rates of urbanisation, growing population, financial constraints and rising development costs have made it impossible to keep pace with the demand for housing.

The good news is that together, anything is possible. Through partnership, we can be a part of the sustainable change that we all wish to see in our beloved country.

I thank all who have contributed to the many shared successes and ‘wins’ Habitat for Humanity SA has achieved during 2019. It is with a prayer on mylips and a song in my heart that I look forward to building even greater impact in 2020 with our new innovative projects that are currently under development.

The Lord has placed us in the service of Habitat for Humanity’s mission as a channel to help us fulfil our individual and communal purposes - and we must not take that calling lightly.

Thank you! Enkosi! Dankie! Kealeboga! Ngiyabonga!

Patrick Kulati - National Director, Habitat for Humanity SA

It was with fond hearts that we wished our Habitat SA Board Chairman, Brian Hilliard, leave from his position after 8 years of loyal service to the organisation in August, 2018.

Brian became involved with Habitat as a volunteer builder during ‘The Church Week’ in the late 1990s where he was inspired by the overall Habitat concept.

For Brian, serving on the Board was “an absoluteprivilege.” He used his past experience in areas of finance and strategy.

A devout Christian, Brian will be remembered for the friendship and patience that he displayed in his dealings from within the organisation to the communities in which Habitat SA works to serve.

FAREWELL TO OUR CHAIRMAN

BRIAN HILLIARD

We view our work as successful when it transforms lives and promotes positive and lasting social, economic and spiritual change within a community; when it is based on mutual trust and fully shared accomplishment.

”

Since its inception in 1987, Habitat SA has focused on shelter provision through housing construction efforts based on the concept of a “hand-up”, rather than a “hand-out”. In 2013, in response to the introduction of the new global strategy, Habitat SA extended its core function from building individual houses to building entire communities. Core to this workhas been to use shelter as an entry point to build the capacity of communities to address their housing needs, improve and self-manage their living conditions and the economic wellbeing of their residents. Habitat SA uses shelter and shelter-related activities as entry points to support communities increating housing solutions through dialogue, upskilling and building community leadership, as well as working withvolunteers drawn from the community, the corporate sector and the broader public.

HABITAT SA’S FY18-20

STRATEGY

JOURNEY<2013 - 2020

JOURNEY<2013 - 2020

The notion of active citizenship underpins all Habitat SA PLOBs (Program Lines of Business). We mobilise ordinary citizens to actively participate and contribute to our value chain (across Volunteer Build Events, Community Development and Advocacy initiatives). Active citizenship is much broader than simple volunteerism at build events. Active citizens can migrate through the basic volunteering of their services for a build project for a short time to offering skills training in our programs and ultimately be willing to participate in our policy advocacy programs. At its highest level active citizenship implies involvement in transforming government policy, programs and structures for the benefit of society. Therefore, once a person is enlisted into our system, we want them to support our mission financially, recruit others to support us, volunteer their skills and support our mission through their influence and through spreading good news about Habitat SA.

VOLUNTEERSACTIVE CITIZENS

6 049in 2019, 6 049 active citizens (volunteers) joined hands to build, advocate and raise awareness about South Africa’s need for decent shelter.

42 347in 2019, 42 347 volunteer hours were dedicated to the building of decent homes for the families that Habitat for Humanity SA served during the fiscal year.

mobilise

BUILDA vital aspect to connecting volunteers with community is the fact that it is a mutually beneficial exchange. Stereotypes and preconceived ideas are challenged, hearts are changed and lives are transformed.

Volunteers often report that they receive far more from the experience than they give. This is an important part of Nation Building; relevant particularly now in South Africa’s development.

We see the volunteer build program as a vital catalyst for broader, long-term development of the families and communities we serve; uplifting families from shelter-poverty to stability and self-reliance.

For more information or to book your team build: build@habitat.org.za

JULYNelson Mandela Day Build

AUGUSTWomen’s Build (Mercedes Benz)NBA Build

OCTOBERWorld Habitat Day Build

NOVEMBERJHB Schools Build

MARCHVelocity Vision Build

APRILArchbishop Desmond Tutu Blessed Build

JUNEYouth Build

FY19 BUILD EVENTS

FY19 BUILD EVENTS

CONSTRUCTION (New) 233

KwaZulu Natal

Umgababa 141

Gauteng

Lawley 78

Garankuwa 6

Western Cape

Wallacedene 8

Mfuleni ?

233in 2019, 233 new homes were built in partnership with Government, corporate stakeholders, construction partners and Habitat for Humanity SA volunteers and community members

build

“We must use time wisely and forever realise that the time is always ripe to do right.” Nelson Mandela

2018 marked a major milestone in the incredible story of Nelson Mandela - his Centenary year.

Habitat SA in partnership with the Nelson Mandela Foundation and the Department of Human Settlements honoured Tat’u Madiba’s legacy by building 70 homes across three provinces; Western Cape, Gauteng and Kwazulu Natal as part of Habitat SA’s “100 homes for 100 families in Honour of 100 Years” campaign for Nelson Mandela Day during 16-20 July.

Creating shared visions for collaboration in shared projects is crucial for a successful result. Together with the communities of Lawley, Umgababa and Mfuleni, Sbu-Leno Construction, Temi Construction, Dezzo Holdings and various Corporate volunteers, we came together to provide decent housing for the families we built alongside. It was Mandela’s dream to eradicate poverty in South Africa. Habitat SA believes that the security of a home represents the foundation for low-income South African families to break free from their cycle of poverty. The Build event is only part of the story. What evolves after the event is the long-term impact we all hope for.

Habitat SA would like to thank all its valuable stakeholders and partners who contributed their time and resources toward such an ambitious target of 100 homes: Gavin Thompson, Charles (?), Andrew (?), St John Ambulance, SABC Foundation, Intastore, Habitat for Humanity Lesotho, Habitat for Humanity EMEA, Habitat for Humanity Wisconsin, Wells Fargo, Webber Wentzel, V&A Waterfront, The Rudeboy Collective, Standard Bank, Sphere Holdings, Sherwin-Williams, Samsung, Sage Foundation, Old Mutual Insure, NHBRC, Nedbank Home Loans, NCP Chlorchem, Kantar, Hoerskool DF Malan, Ecolab, Ethekwini Municipality, Development Bank SA, Deutsche Bank, Delta Property Fund, Deloitte & Touche, @home, Colgate Palmolive, Cashbuild, Bloomberg, Barloworld, Aurecon, Ahmed Katrada Foundation, Cape Cobras, DHL Stormers, CT City Football Club, Springbok Training Squad, Springbok Womens Sevens, Transform Marketing and Optimize Agency.

If you would like to get a team involved in next year’s Nelson Mandela Day Build, please email: build@habitat.org.za

Listen to Shado Twala’s interview with Patrick Kulati, Habitat SA’s National Director, discussing the Nelson Mandela Build Event: https://iono.fm/e/579940

NELSON MANDELA DAY TEAM BUILD: 16 - 20 JULY 2018

Maswime Family, Lawley

During our home visit to the Maswime family, we found Livhuhani and Alfa busy with their washing. A chore so many of us take for granted when we have a home with running water on tap, but a privilege that is not lost on this family who have endured years of water collection from a communal water point outside their informal shelter...

Alfa, who was pregnant at the time that DBSA joined hands to build the family their decent home has given birth to a beautiful baby girl. What joy to be able to provide this child with a decent place to live! She may never have to know the challenges of inadequate shelter that her family has had to face previously.

Samuel, who was unemployed at the time of the Build Event has managed to secure a full time job. This has improved the family’s living situation greatly. Volunteers from DBSA went beyond building a decent home for the Maswime family. They assisted with laying floor tiles, installed bedroom and kitchen cabinets; and provided the family with a stove, a fridge, and a water tank.

“The water tank has been very helpful as here in Lawley we experience a lot of water cut offs - even neighbours come to fetch water from the tank,” says Livhuhani.

Samuel shares that the support they have received has enabled the family to do even more improvements to their home. They have installed security bars and are busy building a boundary wall.

“Our lives as a family [have] improved so

much, not only from moving out of the

shack but mostly our dignity has been

restored. We now can see what we are

working towards in building a better life for our children and

grandchildren. Thank you Habitat and DBSA,”

says Livhuhani.

“Habitat for Humanity is propelled by a vision of a world where everyone has a decent place to live. We devote ourselves to creating that world because we believe everyone — every single one of us, regardless of who we are or where we come from — deserves a dignified life and the opportunity for a better future.

But believing is not enough. So we build.

We build houses — and through those houses, we build the strength, stability and self-reliance that families need in order to achieve a better life. That better life is our primary goal. So when we build houses, we also build bridges between people of diverse backgrounds. We build paths to more connected communities. We build ways for all people to come together and share in the creation of a new world.”

Jonathan Reckford, Habitat for Humanity International

repair

REPAIRS 55

KwaZulu Natal

Umgababa 46

Western Cape

Khayelitsha 9

55in 2019, 46 formal homes and 9 informal homes

were repaired for vulnerable female- and orphan-headed households

It takes ordinary people like Nevi and Craig Letcher; people like YOU to restore the dignity and self-worth of families like the Chautsane’s for generations to come. Nevi and Craig Letcher, owners of Velocity Vision acti-vated their family and staff to assist in building Jeannet Chautsane and her family a decent home in their commu-nity of Lawley, Johannesburg in March 2018. Five years ago, the couple participated on a volunteer Build in Orange Farm, Johannesburg, with Habitat for Hu-manity SA. This experience was transformative for them and “a dream was born” to return with their family and friends to again impact the life of a family for generations to come.

Working together to build the rights-based society that we all dream to live in.

VELOCITY VISION BUILD14 - 20 MARCH

Pre-build StoryJeannet Chautsane (58) relocated to Lawley in 1998 from Pimville, Soweto. She has a daughter, Dainer (43) and two grandchildren, Zanele (26) and Thandi (19). Zanele is studying Tourism and Thandi is studying via correspondence with UNISA. Insufficient income for transport and travelling fare to travel every day from Lawley to Soweto has forced Zanele and Thandi to remain in Soweto.

The Chautsane family earns an income through a government disability grant of R1 700. This money is mainly used for groceries, electricity, a burial society scheme, education and transport. Jeannet travels to a clinic in Pimville once a month. “Sometimes I sell chips and sweets trying to generate more income,” says Jeannet.

“The condition of the house/shack is bad when it is raining it feels like the shack will just be washed away. During winter it is very cold and as the shack is made from tin there is no additional insulation to keep it warm,” says Jeannet.

The shack is a one-room shack with no windows. The door does not lock properly and the floor is made from cement. The house has only a bed, a two-plate stove and boxes that act like shelving, to store clothes and groceries. The inside of the house is very dark and the lights have to be kept on during the day.

“I have been long hoping to have a nice house and now I am happy that the time has come and my family is going to have a proper home with a proper toilet inside and [the] children will have their own room,” says Jeannet.

The Letcher’s focus of “making a change in South Africa,” is born from the understanding that they have been blessed as a family with so much, including adequate shelter and the benefits of a roof over their heads. Nevi describes their blessings as “God-given and not intended solely for ourselves”. Their desire to ‘give back’ has inspired various CSI initiatives each year.

Adamant that they will be returning to don their hard hats again, this ‘first’ build has been dedicated to Nevi and Craig’s late parents – The Letcher’s & Moses’. Another blessing that they attribute their big hearts to. It is thanks to their parents, said Nevi, that they have been raised with values that involve God and have these imprinted in their hearts.

Post-build Story: When Ishmael (Habitat SA Community Development Practitioner) arrives at Jeannet’s new home, she is busy in her garden watering her vegetables. Jeannet and Thapiso say that they have already started enjoying the spinach and lettuce that their garden has produced.

Jeannet is very excited to see us and asks how the Velocity Vision team is doing. She requests that we pass on her regards to her friends at Velocity (“the two ladies”). Jeannet also says that they often see Msizi (the crew leader) when they go to church and that Msizi is a kind young man. Jeannet shares that the community is mourning the passing of her neighbour, Mr. Tshabalala, who had been a respected elder in the community. Velocity Vision team members will remember the old man who was there giving his support each day during the build event.

The Chautsane family moved into their new house in the first week of May 2019. The family is doing well. Dainer, Zanele and Thandi now come home to visit more often and Dainer is even planning on moving back home for good. Jeannet expressed her gratitude in her softly-spoken way. She is very happy that they now have a much better place to stay and that it came at just the right time with winter approaching.

“Even though we have nothing much to furnish the house with, we are using things that we have been using before. We have put newspapers on the windows while still organis-ing to buy curtains and rails,” Jeannet says. Jeannet and her neighbours say that they miss the ‘vibe’ and excitement that they experienced during the build event. They are thankful to all who have made it possible for the Chautsane family to have a home.

As we leave, Jeannet and Thapiso offer us a parting gift of a head of spinach from their vegetable garden.

Thank you to the Letcher’s & Moses’ their extended family and children. We are so deeply appreciative of the time and resources donated to supporting the change that takes place far beyond the build for the families who are blessed.

P4 - APPROACHHFHSA has adopted a People-Public-Private partnership approach to its overall programmatic activities. The approach is premised on the need to build a nation of active citizens who can work collaboratively with communities in both formaland informal settlements to address shelter poverty. The approach recognises the principles of people-centred development, which places the community at the centre of development – and enhances capacity of local leadership structures to ensure ownership in the development process. This means that the people must drive any intervention that seeks to improve people’s access to affordable shelter.

Through this approach, Habitat SA recognises that the public and private sector, as well as ordinary individuals have a critical role to play in alleviating shelter poverty and fast-tracking community development. The approach promotes community building and enables us to leverage resources from all sectors.

COMMUNITY DEVELOPMENT : A HAND UP

Community Members engaged

3 252

KwaZulu Natal

Umgababa 570

Gauteng

Lawley 497

Western Cape

Pelican Park 550

Colorado Park 49

Community Members trained*

KwaZulu Natal

Umgababa 678

Gauteng

Lawley 208

Garankuwa 109

Western Cape

Pelican Park 372

Mfuleni 10

3 252in 2019, 3 252 community members were engagedthrough various community interactions and home visits

1 377in 2019, 3 252 community members were engagedin Habitat for Humanity SA’s training programmes and workshops. These included Home OwnerRights & Responsibilities workshops, Crew Leader training, DIY, Home Maintenance, Small Business Enterprise (SME) Development Training, Financial Literacy and Poverty Stoplight (PST) development.

elevate

Community development is a broad term applied to the practices and principles of involved residents, citizens, civic leaders, activists and professionals who work to improve the social, economic and environmental quality of our communities. It is the result of an ongoing and organised effort in a community. It is based upon a shared vision for the quality of life that residents wish to achieve and sustain. Habitat for Humanity’s mission and principles call us to participate in this work and to specifically do so through partnerships that focus on shelter solutions.

The focus of this PLOB is to use shelter to contribute to meaningful social change and development in poor and marginalised communities by enhancing capabilities and capitalising on existing resources to improve livelihoods. It aims to bring people together to co-create solutions to shelter problems, facilitate access to decent and affordable shelter and to sustain the socio-economic outcomes that emerge from the process. The PLOB also contributes towards the new urban agenda and Sustainable Development Goal (SDG) 11; both of which inform Habitat SA’s strategy.

COMMUNITY DEVELOPMENT

Click on the link to view our Umgababa Special Needs Project video

Habitat for Humanity SA were honoured to have received a MEC Special Merit Award for Housing Contribution from the MEC for Human Settlements and Public Works, Mr Ravi Pillay at the Govan Mbeki Awards.

Habitat SA partnered In 2008 with the Kwazulu Natal Department of Human Settlements when Habitat SA was elected as a Community Resource Organisation (CRO) in the Ethekwini Municipality to provide social facilitation assistance towards the construction of houses in Umgababa in Kwazulu Natal. The award recognises the many successes that we have shared together with the community that we continue to serve.

On 16 May, the Cape Town team was privileged to have the opportunity of walking alongside Andrew Patterson on his 136th hike up Table Mountain. In FY19, Andrew managed to raise R134 000 towards Habitat SA’s Orphan-Headed Household Project in Khayelitsha, Cape Town.

Andrew’s initiative, 365 Ubuntu Climbs was established at the beginning of 2018 to show “what we can accomplish when we work together. No contribution is too small”. Andrew climbed Table Mountain every day for the entire year in aid of three NPOs.

We thank Andrew and his network for the support and encouragement that they continue to bless us with.

365UBUNTU CLIMBSANDREW PATTERSON - HEART IN ACTION

Andrew (right) interviews Masande (left), whose family he built with in Wallacedene

BUILDING FINANCES TO BUILD COMMUNITIESTOTAL REVENUE FOR THE YEAR UNDER REVIEW

R 46 410 444Using funds wisely allowsHabitat for Humanity SA to serve more families and communities around South Africa.

It is reassuring to once again have received an unqualified audit opinion from our auditors, BDO. We continue to look closely at all aspects of our business to improve efficiency through responsible stewardship of our resources.

Statement of Comprehensive Income

Figures in Rand 2019 2018

Revenue 46 410 444 19 344 326

Other Income 597 508 3 671 437

Operating expenses (45 427 239) (16 305 454)

Operating Surplus 1 580 713 6 710 309

Investment Revenue 360 141 364 010

Bad debt (Department of Human Settlements) - -

Finance Costs (43 092) (122)

Surplus (deficit) for the year 1 897 762 7 074 197

Other comprehensive income - -

Total comprehensive surplus (deficit) for the year

1 897 762 7 074 197

Statement of Changes in Funds

Figures in Rand Accumulated Funds Total Funds

Balance at 01 July 2017 (575 870) (575 870)

Net deficit for the year 7 074 197 7 074 197

Other comprehensive income - -

Total comprehensive deficit for the year 7 074 197 7 074 197

Balance at 01 July 2018 6 498 327 6 498 327

Net surplus for the year 1 897 762 1 897 762

Other comprehensive income - -

Total comprehensive surplus for the year 1 897 762 1 897 762

Balance at 30 June 2019 8 396 089 8 396 089

Statement of Financial Position as at 30 June 2019

Figures in Rand 2019 2018

Assets

Non-Current Assets

Property, plant and equipment 191 357 208 045

Current Assets

Finance lease receivables 145 497 144 158

Trade and other receivables 6 661 402 3 137 539

Loans receivable 247 862 59 682

Cash and cash equivalents 2 598 601 7 301 118

9 653 362 10 642 497

Total Assets 9 844 719 10 850 542

Funds and Liabilities

Funds

Accumulated funds 8 396 089 6 498 327

Liabilities

Current Liabilities

Trade and other payables 155 677 157 645

Deferred Income 1 076 044 3 990 295

Provisions 216 909 204 275

1 448 630 4 352 215

Total Funds and Liabilities 9 844 719 10 850 542

Similar to many non-profits around the world, Habitat for Humanity SA classifies expense in three primary categories: program expense, fundraising expense and management/gen-eral expense. The proportion of these three elements to total expense is often referred to as PAF (Program, Administration, Fundraising) ratio.

EXPENSEFOR THE YEAR UNDER REVIEW

R 45 427 239

Habitat for Humanity SA’s auditors have expressed an unqualified opinion on our 30 June 2019 annual financial state-ments. Those financial statements include associated notes that are essential to understanding the information present-ed herein. The full set of statements and niotes are available at Habitat SA’s website: www.habitat.org.za

Statement of Cash Flows

Figures in Rand 2019 2018

Cash flows from operating activities

Cash generated from (used in) operations (4 926 564) 4 152 383

Cash flows from investing activities

Purchase of property, plant and equipment (66 819) (13 703)

Sale of property, plant and equipment (26 183) 2 524

Net cash (used in) from investing activi-ties

(93 002) (11 179)

Cash flows from financing activities

Interest Income 360 141 364 010

Finance costs (43 092) (122)

Net cash from financing activities 317 049 363 888

Total cash movement for the year (4 702 517) 4 505 092

Cash at the beginning of the year 7 301 118 2 796 026

Total cash at end of the year 2 598 601 7 301 118

Our strategic plan and vision for the future is both exciting and challenging at the same time. We know that we can’t reach our goals on our own and invite you to be part of our journey.You can help us as we work to serve more families in more meaningful ways by walking alongside us in serving South Africa’s most disadvantaged communities. It starts with shelter...

Gifts in Kind (GIK)

SABC Foundation R 2 035 566

BP R 804 000

Dummet & Co R 144 400

Downing Hiring CC R 27 025

Hetzner (Pty) Ltd R 5 000

ER24 R 4 902

Tushita Kadampa Meditation Centre

R 3 000

Aranda Textile Mills (Pty) Ltd R 2 944

PLATINUM PARTNERS

GOLD PARTNERS

SILVER PARTNERS

STRATEGIC PARTNERS

CONSTRUCTION PARTNERS

PARTNERS WE ARE DEEPLY GRATEFUL TO OUR PARTNERS WHO JOINED HANDS IN

BUILDING WITH US IN 2019BUILDING TOGETHER

Cape Town : Office 201, Pine Park, 1 Logan Way, Pinelands, 7405T: +27 21 657 5640; M: +27 81 840 7968

Gauteng: 52 Glenhove Place, Melrose Estate, Johannesburg, 2196T: +27 11 836 0710

KwaZulu-Natal: 406-407 Musgrave Office Towers, 115 Musgrave, 4001T: +27 31 309 8482

Habitat for Humanity South Africa is a non-profit company incorporated in 1987 in terms of section 8 of the Companies Act 2008. It is a registered Non-Profit Organisation (NPO) with registration number 011-817 NPO and is also a Public Benefit Organisation (PBO) with reference number 9258107847. Registration No:1987/004242/08