Bloomhouse Florals — Appendices & Important Notices
The supporting appendices and the important notices — the detailed schedules, references and the confidentiality, forward-looking and disclaimer provisions underpinning the Bloomhouse Florals business plan and investment memorandum.
Section 17 · Business Plan
Appendices & Important Notices
The supporting appendices and the important notices — the detailed schedules, references and the confidentiality, forward-looking and disclaimer provisions underpinning the Bloomhouse Florals business plan and investment memorandum.
The appendices recap the key assumptions on a single page for ease of
reference, define the technical terms used in this document, and set out
the important notices and disclaimer that govern its use.
17.1 Appendix A — Key assumptions at a glance
| Assumption | Value |
|---|---|
| Funding required | R12.0m |
| Capital structure | 55.0% equity / 45.0% debt |
| Year-1 revenue | R10.4m |
| Year-5 revenue | R39.6m |
| Revenue CAGR (Year 1–5) | 39.5% |
| Year-5 gross margin | 58.0% |
| Year-5 EBITDA margin | 20.0% |
| Year of net profitability | Year 3 |
| Senior loan / rate / grace | R3.6m at 13.75%, 24-month capital grace |
| Asset finance / rate | R1.8m at 13% |
| Corporate tax rate | 27% |
| Exit basis | 4.5x EBITDA, Year 5 |
| Project IRR | 20.4% |
| Equity IRR (exit-dependent) | 44.7% |
Table 33. Key assumptions and headline outputs
on a single page.
17.2 Appendix B — Glossary of terms
- B-BBEE — Broad-Based Black Economic Empowerment,
South Africa’s statutory transformation framework. - CAGR — Compound annual growth rate.
- CFADS — Cash flow available for debt
service. - D2C — Direct-to-consumer (here, the online
same-day channel). - DSCR — Debt-service cover ratio; cash flow
(EBITDA or CFADS) divided by debt service. - DSRA — Debt-service reserve account, a funded
cash reserve covering future debt service. - EBITDA — Earnings before interest, tax,
depreciation and amortisation. - ESG — Environmental, social and
governance. - IRR — Internal rate of return.
- MOIC — Multiple of invested capital.
- NPV — Net present value.
- PAT — Profit after tax.
17.3 Important notices and disclaimer
This document has been prepared for information purposes only, to
assist prospective equity investors and lenders in evaluating Bloomhouse
Florals (Pty) Ltd. It does not constitute an offer or invitation to
subscribe for or purchase any securities, nor financial, legal, tax or
investment advice, and it should not be relied upon as the sole basis
for any investment or lending decision.
The financial projections are forward-looking statements based on
assumptions that management considers reasonable as at the model base
date. Forward-looking statements are inherently uncertain: actual
results will differ, potentially materially, from those projected,
because they depend on future events and conditions — including market
demand, execution, input costs, interest rates, the macroeconomic
environment and the multiple achievable on exit — many of which are
outside the company’s control. The revenue-growth trajectory and the
exit multiple are the most sensitive assumptions and are flagged as such
throughout this document.
No representation or warranty, express or implied, is given as to the
accuracy or completeness of the information contained in this document,
and no liability is accepted for any loss arising from its use.
Recipients should conduct their own independent due diligence and obtain
their own independent financial, legal, tax and commercial advice before
making any decision. This document is strictly private and confidential
and may not be reproduced or distributed, in whole or in part, without
the written consent of the company.
before circulation
This plan has been prepared to a bankable standard and deliberately
flags its aggressive and assumption-sensitive elements rather than
concealing them. It is nonetheless a planning document built on a
financial model, not audited financial statements. Before this document
is circulated externally or relied upon for a funding decision, the
company recommends that prospective investors and lenders commission
independent professional due diligence on the market, the financial
model and the legal and tax structure.
Prepared as at June 2026. © Bloomhouse Florals (Pty) Ltd. All rights
reserved.
Confidential — this business plan is provided to prospective investors and lenders for evaluation purposes only and may not be reproduced or distributed without the written consent of Bloomhouse Florals (Pty) Ltd.