ADVERTISEMENT: Investing in Cera ‘E’ shares entails certain risks. Read the full prospectus beforehand.
Become a Cera member and use your Kate Coins for a cashback reward worth 30 euros
Want to become a Cera member?
Good idea! It’s an excellent way to get great benefits. When you buy your first ‘E’ share from Cera with money from your KBC account, you’ll get 30 euros cashback in exchange for 30 Kate Coins.
What are Kate Coins again?
If you’ve opted for ‘personalised’ commercial offers in KBC Mobile, you’ll earn Kate Coins from KBC and our partners whenever you purchase or use certain products, or when you first try out certain KBC Mobile features.
You can then use Kate Coins to get cashback rewards and other benefits. A handy overview of all Kate Coin offers can be found in your KBC Mobile app
Redeem your cashback at Cera
- When you buy your first ‘E’ share from Cera with money from your KBC account, you’ll get 30 euros cashback in exchange for 30 Kate Coins
- You first pay the full amount from your KBC account
- The cashback amount is then paid into your account right away
Why become a Cera member?
Numbering 400 000 enthusiastic members, Cera is Belgium’s most welcoming and most progressive cooperative. Together, we go further, experience more and make better investments by supporting initiatives that do good and connect people, and by funding projects that benefit everybody.
- You can become a Cera member for as little as 50 euros, allowing you to potentially earn an annual cooperative dividend (not guaranteed)
- Members who have at least 600 euros’ worth of Cera shares enjoy unique discounts and events
- As a member you’ll support Cera's 700 projects for a more caring society
- Cera CV is a key shareholder of KBC Group NV. As a Cera member, you help promote the stability and further development of the KBC group and our embedded position in the local economy.
Warning
An investment in shares, such as Cera's cooperative shares, involves risk. Cera’s ‘E’ shares may not be transferred and, upon exiting the cooperative, the maximum amount paid back is the issue price specified in the Articles of Association. If you subscribe, you risk losing some or all of what you invested. Please read the full prospectus beforehand, so that you fully understand the potential risks and benefits associated with the decision to invest in Cera ‘E’ shares. This prospectus contains more detailed information than this document. Please pay particular attention to the risk factors described in the prospectus (see ‘Summary’ (pages 5-11) and section 1, ‘Risk Factors’ (pages 12-18)). Cera is subject to a number of risks, including market risk, liquidity risk due to a reduction or omission of dividends on the participating interests in KBC Ancora and KBC Group NV, liquidity risk due to withdrawals of cooperative shares and concentration risk. The various risks that may emerge at KBC group level translate into market risk and liquidity risk due to a reduction or omission of dividends. A highly significant amount of Cera’s assets are accounted for by shares in KBC Ancora and KBC Group NV, which means that Cera's solvency is largely determined by the value of these participating interests. The vast majority of Cera's (recurring) income consists of dividends from its shareholdings in KBC Ancora and KBC Group NV, meaning that any decrease in this income would have an adverse impact on Cera's liquidity position. Withdrawals can also have a significant impact on Cera’s cash flows. Cera is subject, moreover, to the market risk associated with its assets and liabilities, and is indirectly exposed to the risks applying to KBC Group NV. The prospectus is available on request free of charge from the first day of the subscription period (20 June 2024) at the registered office of Cera (Muntstraat 1, 3000 Leuven). You can also consult it via the website (www.cera.coop) or request a copy by e-mail (info@cera.coop) or by phone (0800 62 340). Approval of the prospectus by the FSMA should not be construed as a recommendation of the securities offered.