Discover the healthy heart of Europe!
The Czech Republic is a reliable and highly profitable country for your participation in EU projects. The combination of a stable, developed economy, ultra-liberal legislation, and an unsurpassed central location maximizes profitability from our unique and highly in-demand EU projects. The country ranks 19th in the global prosperity index and 15th in the 2026 HelloSafe Prosperity Index. For over a quarter of a century, international companies and private investors have confidently deployed their capital here, consistently receiving high returns in the commercial and residential real estate sectors.
Tinowa Group s.r.o. presents a developed international innovative project “Live and Earn!”, implemented on the corporate principle of project participation (§ 210 of the Civil Code of the Czech Republic), for the construction of innovative enterprises with a residential complex of private bioenergetic houses equipped with quantum segments for project participants and for sale within the territory of the world-famous spa triangle of Western Bohemian in the very center of Europe!
Excellent participation in commercial projects and a tranquil lifestyle in Western Bohemia!
The business and therapeutic wisdom of the Czech spa triangle.
Project Geography: The West Bohemian Spa Triangle, a region inscribed on the UNESCO World Heritage List.
Western Bohemia (Bohemia) is one of Europe’s premier, resource-rich locations. It features a unique combination of developed mountain areas with established ski infrastructure, ecologically pristine forests, high-potential freshwater lakes for commercial and recreational fishing, and a diverse network of therapeutic mineral springs with proven balneological value.
The Heart of Europe: Bohemia – A Prime Business Environment with Project-Friendly Legislation!
Key value driver: A unique synergy of diverse spa resorts and specialized mineral springs, including Karlovy Vary (gastrointestinal disorders, liver diseases, diabetes, post-hepatitis recovery), Mariánské Lázně (urological, neurological, respiratory, and allergic conditions), Františkovy Lázně (cardiology, gynecological diseases), Kynžvart (childhood diseases), Jáchymov (musculoskeletal disorders, radon therapy), and Konstantinovy Lázně (cardiology, pulmonology).
For sea and ocean lovers, the driving distance from the resort area to the Adriatic Sea is 780 km to Croatia (Rijeka) and 980 km to Italy (Rimini); to the Mediterranean Sea, it is 890 km to Italy (Genoa), 930 km to France (Nice), and 1,600 km to Spain (Barcelona); to the Atlantic Ocean, it is 2,400 km to Portugal (Porto) and 1,600 km to Spain (San Sebastián, Gipuzkoa); to the North Sea, it is 840 km to the Netherlands (Amsterdam); and to the Baltic Sea, it is 1,870 km to Finland (Helsinki).
Regional climate: positioned within the temperate climate zone of the Northern Hemisphere, the region enjoys comfortable weather for the maximum number of days a year. The average annual temperature is +9°C. In summer, it ranges from 19°C to 34°C, and in winter, from -2°C to +4°C
The project region in Western Bohemia is completely free from natural disasters and boasts a magnificent, health-restoring environment. Situated at an optimal and healthy average elevation of 250 to 740 meters above sea level, it is entirely unaffected by rising sea and ocean levels, which heavily impact the ecosystems, infrastructure, economy, and social well-being of coastal territories.
The areas designated for residential development and commercial enterprises are situated at altitudes of 380–550 meters above sea level. This positioning ensures clean, oxygen-rich air, a pristine environment, and beautiful woodlands, while maintaining a significant distance from industrial operations.
The local climate contributes favorably to human active longevity.
Resort Region Overview. The region boasts a concentration of hundreds of mineral springs emerging from the subterranean depths of the Slavkov Forest. These sources vary by temperature, dissolved carbon dioxide levels, and mineralization profiles. Historically, the spas of Western Bohemia served as premier destinations for the convalescence and treatment of European monarchs, aristocrats, and prominent cultural figures, including Goethe, Beethoven, Chopin, Kafka, and King Edward VII. Today, the region’s health resorts maintain a strong international appeal, attracting visitors worldwide. Alongside the medical and rehabilitation sectors, the region represents a high-demand market for residential real estate, driving property acquisitions by buyers from Europe, the Middle East, and other global regions. The commercial real estate sector exhibits a correspondingly strong investment demand. The region is home to a permanent population of numerous foreign nationals who operate businesses from various countries, predominantly Vietnam, Germany, Kazakhstan, Armenia, the Netherlands, etc.
Summary of the “Live and Earn!” project!
Tinowa Group has financed the development of and holds authorship rights to highly demanded projects. Fully licensed in engineering, construction, and electrical equipment manufacturing, the company specializes in project management and high innovative technologies. Tinowa Group also produces the unique “Tinowa®“ bioactive suspension, featuring an information-wave effect for rehabilitation and medical treatment.
The implementation of the projects prepared will be carried out by engaging participants into cooperation on a project-by-project basis or for a specific project with their own equity. Agreements are in place to utilize loans from a Czech state bank covering 70% of the total financing requirement for each project. For healthcare and innovation projects, the Czech state bank provides interest-free loans with a maturity of up to 12 years.
The projects provide for the phased establishment of the following commercial income-generating enterprises within Western Bohemia and other regions.
In the Czech Republic, residential property prices (detached houses, townhouses, and cottages) increased by an average of 9.2% to 14% year-on-year at the end of the recent 2025–2026 period.
Project № 1 – Bioactive house
Development Project Implementation: Construction of a residential complex comprising 80–85 bioenergetic homes integrating quantum technologies. The project spans a total land area of 10 hectares, with individual plot sizes ranging from 1,000 to 1,500 m² per building.
The total gross floor area (GFA) of the projected houses is 285 sq. m, or 405 sq. m including a second-floor extension. The developed conceptual engineering and architectural designs are flexible and can be tailored to the Buyer’s requirements. A basement level is available as an optional customization. Detailed information regarding the bioactive house framework can be found in the ‘Technologies’ section of our website.
Project Overview.
Scope: Construction of 80 private residential properties.
Location: Czech Republic.
Financials & Funding.
Total Estimated Budget: €18 – €20 million.
Initial Capital Requirement: €3.5 million.
Funding Strategy: Combination of a state loan and sales-generated cash flow.
Use of Initial Proceeds (€3.5M)
Land Acquisition: Land purchase and legal registration.
Permitting architectural design and building permit procurement.
Infrastructure: Construction of on-site utilities and advanced engineering networks.
Construction & Sales Strategy.
Phase 1: Execution of site-wide technical infrastructure.
Phase 2: Simultaneous construction of 20 – 30 houses per stage.
Phase 3: Early-stage sales starting at the shell and core level.
Phase 4: Tailored interior fit-outs (per buyer request) or turnkey completion for auction.
Distribution: Preliminary brokerage agreements with European real estate agencies.
Financial Performance & Project Returns.
Project Returns & Valuation
Internal Rate of Return (IRR): The project yields an estimated net IRR ranging from 25% to 45% per annum (EUR) under current 2026 market conditions, driven by the strong market positioning of this innovative residential asset class.
Net Present Value (NPV): Based on a conservative 12% discount rate, the projected NPV for the 80-unit residential development is €4.31 million.
Return on Investment (ROI): The baseline project ROI is projected between 25% and 40% over the total 4-year project lifecycle.
Capital Structure & Leverage Optimization
Project Financing: The capital structure assumes senior debt via bank project financing at a 50% to 70% Loan-to-Value (LTV) ratio.
Levered Return on Equity (ROE): With the application of financial leverage, the target ROE scales to 30%–50% over the total project duration.
Annualized Equity IRR: On an annualized basis, the levered equity IRR is projected at approximately 15%–20%.
IRR calculation is strictly tied to the Cash Flow schedule. The 80-house project is implemented in 4 main phases:
Phase 1: Land Acquisition and Design (Months 1–9)
Negative cash flow.
Initial investments from project participants.
Securing building permits.
Phase 2: Utilities and Road Infrastructure (Months 10–15)
Connection of electricity, water, and sewage systems.
Launch of bank project financing procurement.
Phase 3: Phased Construction (Months 16–36)
Construction is split into 3–4 phases (20–25 houses each) to mitigate cash deficits.
First inflows from pre-sales emerge (10–20% deposits).
Phase 4: Sales and Project Closure (Months 24–48)
Peak positive cash flow.
Rapid return on capital to the investor or financial partners under the investment agreement.
The allocation of European innovation grants (€2.0M – €4.0M) will be subject to the project’s innovation intensity. Market research and negotiations with real estate agencies in Germany, the Netherlands, Belgium, and other countries indicate strong demand for residential properties in Western Bohemian spa resorts among residents of the North Sea and Baltic Sea coastal regions.
We observe strong demand from both local residents and insurance companies for the development of premium residential spa hotels in Western Bohemia’s premier resort areas. These projects are designed to provide European seniors with comprehensive hospitality services and advanced medical care based on cutting-edge service models.
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There is a critical situation regarding modern outpatient care in the Czech Republic and its neighboring countries. Health insurance companies in the Czech Republic and the EU are financially incentivizing the establishment of new multidisciplinary medical centers within a single outpatient clinic.
Project № 2 – Medical center.
Investment Project Specification
Establishment of a disciplinary medical center with a design capacity of 250 outpatient visits per day, specializing in high-demand and advanced medical fields:
Urology & Andrology: Treatment of benign prostatic hyperplasia (BPH), infertility management, and sexual health enhancement solutions.
Psychosomatics & Addiction Therapy: Comprehensive Psychological Assessment and Psychosomatic Correction in Addictive and Behavioral Disorders
Endocrinology: Advanced diagnostics and management of metabolic and endocrine disorders.
Advanced Dentistry: Next-generation dental care, incorporating modern digital workflows and innovative treatment protocols.
Balneotherapy & Alternative Medicine: Specialized balneological treatments, acupuncture clinics, and suggestive therapy rooms.
Oxygen Therapy & Biotechnology: Hyperbaric oxygen therapy (HBOT) chambers integrated with advanced biotechnological methods and regenerative medicine protocols.
Investment Breakdown / Capital Expenditure (CapEx)
Modular Building Construction (2,500 m²) on an 8,000 m² plot – €2,500,000
Medical Equipment – €2,800,000
Licensing, Permits & IT Infrastructure – €200,000
Initial Working Capital – €500,000
Total Investment Required – €6,000,000
Annual Financial Performance (P&L Metrics)
Annual Revenue – €9,000,000 / year
Operating Expenses (OpEx): Staff (physicians, scientists, administration), consumables (including bio-components), marketing, utilities, rent / property taxes. Total OpEx (57.3% of revenue) – €5,160,000
Depreciation (10%) – €520,000
Earnings Before Taxes (EBT) – €3,320,000
Corporate Income Tax (21% in CZ) – €697,200
Annual Net Income (post-depreciation) – €2,622,800
Key Investment Metrics
NPV (Net Present Value) at WACC (r = 9%): Positive (the project generates value above the cost of capital).
IRR (Internal Rate of Return): 19.5% — exceeds the average market requirements for commercial medicine in the EU.
Payback Period: 3.4 years (DPP / Discounted Payback Period: 4.1 years).
ROI (Return on Investment): 29%.
Provision of medical services to Czech and EU patients under health insurance programs, as well as to international spa resort patients. Online service management for registered patients. Provision of medical services to project participants and their family members.
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Tap water contains chemical reagents and is an aqueous solution. Bottled drinking water, which undergoes multi-stage technological purification (such as reverse osmosis, ozonation, etc.), is a technological product. In scientific terms, it is referred to as a fluid or inert drinking water; it possesses physical neutrality and lacks an active effect on the body. Consuming this type of water leads to a decrease in electron energy within bodily organs and the onset of various diseases.
Project № 3 – Bioactive Water
The Tinowa BioWater enterprise for bottling special structured mineral drinking bio-water with a programmable physical component from underground sources in the Czech Republic or Slovakia. The planned capacity of the project is 10,000,000 liters per year, with bottling into 0.75-liter glass bottles in the amount of 10,000,000 units and into 0.50-liter glass bottles in the amount of 5,000,000 units.
For the establishment of a bottled water production plant (a greenfield project), the total annual revenue will amount to €13,750,000, and the net profit will be €3,456,250, with estimated investments (CAPEX) in the range of ±€8,500,000 – €9,000,000.
Baseline Operating Assumptions.
To ensure model accuracy, figures are based on average market indicators for the Czech Republic:
CAPEX (Capital Expenditures): €8,500,000 (land acquisition, well drilling, automated bottling line, warehouse, certification).
OPEX (Operating Expenses): 62% of revenue (€8,525,000) (including raw materials/PET, electricity, water tax, logistics, payroll).
Depreciation: Straight-line over 10 years (€850,000 / year).
Corporate Income Tax Rate in the Czech Republic: 21%.
Discount Rate (WACC): 10%.
Financial Metrics.
Financial Indicators
Calculation Formula – Value (€ / %)
Revenue – Product A (0.75l) + Product B (0.50l) – Value: €13,750,000.
OPEX (Cost of Goods Sold and Commercial Expenses) – (62%) – €8,525,000
EBITDA (Revenue – OPEX) – €5,225,000
EBIT (Operating Profit): EBITDA – Depreciation & Amortization – €4,3750,000
Corporate income tax (Czech Republic, 21%) EBIT – €918,750
Net Income (EBIT minus Tax) amounts to €3,456,250
Operating Cash Flow (OCF): Net Income + Depreciation and Amortization – €4,306,250
Simple Payback Period (CAPEX/OCF) is 1.97 years (approximately 24 months).
5-Year NPV – Discounted OCF – CAPEX – €7,824,075.
Capital Structure:
Equity (30%): €2,550,000
Debt (70%): €5,950,000
The commercial loan rate in the Czech Republic stands at 6% per annum.
Loan maturity: 5 years, with equal annuity payments
First-year interest: €5,950,000 x 6% = €357,000 (decreases as the principal is repaid).
Due to the loan attraction, tax savings amount to €74,970 in the first year.
Financial Leverage Conclusion. Introducing a 70% debt-to-equity structure significantly optimizes the project’s financial efficiency. While the nominal Net Income decreases slightly due to interest obligations, the Sponsor’s Equity Payback Period drops to under 1 year, generating an exceptional first-year Return on Equity (ROE) of 124.4%. The project demonstrates strong debt-service capabilities with an EBITDA-to-Interest coverage ratio of 14.6x, indicating extremely low default risk.
The main benefits of regular consumption of structured bottled drinking bio-water include preventive support for the brain’s neural network, the cardiovascular system, and overall health:
– Optimizes cellular metabolism and supports intercellular communication.
– Strengthens the immune system.
– Helps prevent diabetes and slows its progression in the early stages.
– Supports liver and kidney function.
– Normalizes blood composition, quality, and transport function, helping to thin the blood.
– Improves gastric motility and supports digestion.
– Stimulates diuresis and promotes the excretion of chloride ions.
– Helps prevent atherosclerosis.
– Helps stabilize blood pressure.
– Protects the thyroid gland and slows its growth.
Structured bottled bioactive drinking water – a builder and protector of your body — a source of longevity!
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Project № 4 – Clinical Sanatorium
Clinical Sanatorium with 160-bed capacity specializing in:
– Biological age reversal (rejuvenation) and psychocorrelation.
– Cardiovascular and neurological disease management.
– Cerebrovascular circulation disorders treatment.
– Infertility and urological diseases therapy.
– Respiratory tract diseases and allergy management.
– Addiction treatment and psychological dependency rehabilitation.
– Depressive states treatment and rehabilitation.
– Musculoskeletal system rehabilitation programs.
– Anti-stress protection programs.
– Body contouring, figure shaping, and skin rehabilitation programs.
– Quantum biotechnology programs for diagnostics and therapeutics.
The financial model of the project presents the implementation of a full-cycle, high-end clinical spa resort with a capacity of 160 beds, located in the West Bohemian Spa Triangle of the Czech Republic. The model assumes a stable annual occupancy rate of 85% and above, with an average daily rate (ADR) starting from 310 EUR per bed-place (on an All-Inclusive basis, which also includes medical, diagnostic, and rehabilitation services).
Project Technical Specifications and Area Allocation:
- Total capacity: 160 beds
- Double rooms: 60 units × 36 m² = 2,160 m²
- Single rooms: 40 units × 30 m² = 1,200 m²
- Total residential accommodation area: 3,360 m²
Public & Medical Area Calculation
This includes the lobby, All-Inclusive restaurant area, and a comprehensive medical complex (diagnostics, treatment, and rehabilitation).
- Medical block: 3,200 m²
- Restaurant and catering unit: 400 m²
- Lobby, reception, and lounge areas: 320 m²
- Total public area: 3,920 m²
Service & Technical Area Calculation
This ensures the operation of the SPA center, laundry, warehouses, and engineering systems.
- Warehouses, laundry, and staff utility rooms: 560 m²
- Technical premises (boiler rooms, ventilation, IT): 495 m²
- Total service area: 1,055 m²
- Gross Building Area (GBA) factor:0× (including modern diagnostic laboratories, medical facilities, rehabilitation pools, restaurant, all-inclusive catering units, and public areas)
- Estimated Gross Building Area (GBA) of the clinical sanatorium: 9,600 m²
Capital Expenditure (CAPEX) Estimation
For a 5-star high-end clinical spa resort with a fully equipped diagnostic and rehabilitation facility, the average “turnkey” cost per square meter (including final interior fit-out and core utilities) in Western Bohemia is approximately €3,800.
Investment Cost Breakdown
- Land Acquisition & Permits (in the resort zone): €3,000,000
- Construction & Fit-out (9,600 m² x €3,800): €36,480,000
- Medical Equipment (diagnostic and rehabilitation complex): €4,000,000
- Working Capital (for launch and cash flow gaps): €1,500,000
- TOTAL CAPEX (Total Investment Volume): €44,980,000
- Financing Structure:
- Total Investment Amount: €44,980,000
- Funding Mix: 70% Debt (Bank Loan) / 30% Equity (Own Funds)
- Interest Rate:5% per annum
- Loan Term: 10–12 years
- Repayment Schedule: Term loan with diminishing installments (principal paid in equal installments plus accrued interest)
Investment Metrics:
- Total Investment – construction and full FF&E (Furniture, Fixtures, and Equipment): €44.98m
- Annual EBITDA: €11.16m
- Return on Equity (ROE) / Equity Payback Period: 1.7 years
- The loan is fully amortized over 10 years.
- The project demonstrates high profitability maintaining an 85% occupancy rate and a €310 ADR (Average Daily Rate).
Baseline Project Model Economics:
- Revenue: €22.31m per year
- OPEX (60%): €13.39m per year
- EBITDA: €8.92m per year
- Year 1 Interest Expense: €0.79m
- Year 1 EBT (Earnings Before Taxes): €8.13m
At a 60% OPEX level, the project’s efficiency benchmarks are as follows:
- NPV (Net Present Value): €16–18m
- IRR (Internal Rate of Return): 15–16%
- PI (Profitability Index): 1.35–1.40
- Payback Period (PP): ≈ 9.0 years
- Discounted Payback Period (DPP): ≈ 9.5–10.0 years (at a 10% discount rate)
The sanatorium utilizes an integrated approach to treatment and rehabilitation, combining quantum biomedicine with Western and Eastern medical practices.
Patient Base:
- Provision of medical services to Czech and European patients under health insurance programs.
- Medical care for the diplomatic corps of foreign embassies and representative offices.
- Provision of medical services to members of the European Parliament and European Commissions.
- Medical care for international patients from various countries.
The project brings together the latest innovations from leading laboratories and research centers worldwide. By combining cutting-edge science and biophysics with strictly tailored individual programs, our clinical health resort offers a comprehensive approach to treatment and rehabilitation, empowering patients to achieve vibrant longevity and lifelong health.
It makes no sense for those who have gained wisdom, financial stability, and life experience to pass away; your family and society need your presence and the support of your legacy
Every person’s health is their greatest asset, and to maintain it, the proposed project will be one of the world’s best clinical health resorts for combined diagnostic, treatment, and rehabilitation services in the spa triangle of Western Bohemia.
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Information
The projects provide for the participation of citizens and companies with their equity capital and the receipt of dividends proportional to the invested capital, starting from the second year of the enterprises’ operation. The minimum investment amount per project participant starts from 30,000 EUR. Citizens and legal entities from different countries can participate in the projects.
Project implementation scheme:
raising participants’ contributions in the amount of 30% of the total project value; maintaining a register of participating shareholders; registering participants as owners in accordance with Czech laws upon their participation in the selected project of the company; land development and preparation of project documentation required to obtain a building permit; securing a bank loan under the developed project financing framework; executing detailed engineering design, construction, and technological works; operating the enterprise, selling services or products; allocating profit toward loan repayment and paying dividends to participants in proportion to their invested financial shares from the enterprise’s profits, as well as allocating a portion of funds for the implementation of subsequent projects. Upon full repayment of the loan, regular dividends are paid to corporate participants of the project or projects.
Placement and accumulation of shareholders/participants’ capital is provided for on the settlement account of the non-profit organization “International Foundation of Peter I, the Great” in the Czech Republic (Raiffeisenbank). For each shareholder/participant of the project, a separate account will be opened within the settlement account of the foundation for capital accumulation and entry of the participant into the register. The form of accumulation is carried out on the basis of an agreement with the participant. This allows the participant to gradually accumulate their capital for investment in projects. Crediting of funds is confirmed by bank statements. Non-profit organizations have low taxation.
To implement the “Live and Earn” projects, a project management-working group has been established, and detailed project development, interaction with the administration and Czech banks, as well as the selection of financial and business partners, are currently underway. As the project implementation progresses, updates will be posted on our website.
The projects have an international level of participation. Thus, residents of the Czech Republic, Bavaria, and any other countries, such as Kazakhstan, China, Japan, South Korea, and so on, can participate as shareholders. The project is primarily designed for those who want to settle down in the Czech Republic and participate in the project with their capital, complementing it with their professional skills and knowledge
We are always happy to answer your questions, please feel free to contact us for advice.
Project Author and Leader – Tinowa Group.
Company Managing Director – Dr. Igor Oberemko.
Tel&WhatsApp + 420 777 555 501; Email: project@bioactivwater.com ;
These projects are tailored for individuals with the means and desire to live, invest, and establish a stable, prosperous life in a peaceful country within an ecologically clean region in the heart of Europe, while generating income from capital investment and appreciation. Ensure the security and well-being of your family, provide a top-tier education for your children, and enhance the longevity and quality of life for your parents and yourself.
Project information and technical developments are protected and enjoy legal protection.
©Tinowa Group
Information on the progress of the ‘Live and Earn’ project can be found on the website