Introduction
Moderator: Herman Rutgers, EuropeActive AmbassadorParticipants:Glenn Earlam, CEO, David Lloyd LeisureJuan del Rio Nieto, CEO, VivaGym GroupMartin Seibold, CEO, LifeFit GroupDavid Stalker, President, EuropeActive
CONTENTS
§ Company Overview
§ Closure Timeline
§ Member Engagement
§ Our People
§ Digital Offering
§ Re-Opening
§ Consumer Attitudes
§ Sector Long Lasting Changes
COMPANY OVERVIEW
Glenn EarlamCEO
5 Years
Previous experience :
CEO INTRO DAVID LLOYD CLUBS OVERVIEW
1
1
1
2
2
7
9
100
France
Italy
Ireland
Spain
Belgium
Holland
Germany
UK
No. of locations
665kMembers
123Locations
10kEmployees
Europe’s largest health & fitness operator by revenue
Acquired German fitness & spa chain Meridian group – Jan 2020
DL CLOSURE TIMELINE
First club closure, Malaspina Milan - 24th Feb
W/c 17th Feb W/c 24th Feb W/c 2nd Mar W/c 9th Mar W/c 16th Mar
Next wave of European closures;
§ Spain (x2) – 14th Mar
§ Belgium (x2) – 15th Mar
§ France (1) – 15th Mar
Rest of Europe closures;
§ Germany (x9) – 16th Mar
§ Holland (x7) – 17th Mar
§ Ireland (1) – 18th Mar
§ All UK (100) – 20th Mar
All DL locations closed by 20th March
All members set to ‘Free Freeze’ status from the 20th March
No Subscriptions taken during closure period
Members will be credited for lost subscription days and expired retail activity (eg PT vouchers,
swim/tennis tuition, etc)
New DL@Home App launched to members providing fitness content/live classes.
DL@Home free to all members
DL CLOSURE TIMELINE
MEMBER ENGAGEMENT
DL regularly engage members through communications using segmental email, social media and app push notifications. Over 60k app users per day.
MEMBER ENGAGEMENT
DL regularly engage members through communications using segmental email, social media and app push notifications. Over 60k app users per day.
OUR PEOPLE
§ Regular company wide emails from CEO or HR Director covering important business updates and/or employment related updates.
§ CEO live broadcast and Q&A session. Two events conducted, one to senior management and GM’s (c200 people) and a further session attended by 2,500 people (inc Europe). More than 300 Qs answered and posted on line.
§ The entire broadcast was recorded and made available on demand to anyone who could not see it live.
§ Use of KITbag; our employee ‘social media’ app for announcements and chat.
§ Volunteer schemes outside DL, partnerships with organisations such as NHS, Care UK and other care homes, Stroke Association and the Cabinet Office.
§ Focus on mental health and wellbeing via staff ‘wellbeing survey’ and supporting Mental Health Awareness Week with a daily package of hints, tips, videos and blogs to support our team with positive mental health.
§ Launched DL Giving Day where all team members were encouraged to join in a day of fundraising via some form of activity and donate to raise funds for the NHS Together charities.
TEAM MEMBER POSITION
§ 99% of team members on furlough status.
§ Company top up to 100% of salary March & April, 80% in May & June during closure.
§ Hardship fund created for team members and self-employed professionals.
TEAM MEMBER ENGAGEMENT
DIGITAL OFFERING
DAVID LLOYD CLUBS @ HOME
§ Digital offering developed in-house, content covers fitness, nutrition, education, kids activities, wellbeing and music playlists.
§ 51% of our members have used the app
§ 2 million On Demand video views
§ 50 live classes per week (40-60 avg)
§ 125,000 live class participants
OTHER DIGITAL PARTNERSHIPS FORMED
§ Member and Club vs Club Myzone events formed, attracted c10k members per event in the previous three challenges
§ Virtual ‘Strava’ communities piloted focusing on cycle and running challenges
§ Live virtual ‘cook-off’ events with celebrity chefs
DIGITAL OFFERING
There has been a positive reaction to DL@Home and the support it has provided during the lockdown period from our members….
RE-OPENING, OUR 4 GUIDING PRINCIPLES
We have 4 key guiding principles that underpin our re-opening plan;
1. Cleaning Protocols
o Heightened measures of cleaning that follow government guidelines
o Additional touchpoint cleaning and sanitisation regularly throughout the day
o Guidance and training to all club teams covering cleaning, PPE, hygiene, waste management
2. Social Distancing
o We will ask members and team to remain 2 metres apart or in line with local guidance
o Clear signage and floor stickers in areas of queuing such as reception, studios etc
o Reduce occupancy levels in all areas to reduce the flow of traffic.
o We will take gym equipment out of use inside to ensure distancing
3. Keeping our Team Safe
o Clear employee guidelines in the event of sickness and Covid symptoms
o Team to complete a Covid-19 workshop online before they start their first shift
o PPE and sanitisation provided to staff members; communal space configured to be 2m apart
o Meetings, conferences and training to be held virtually wherever possible
4. Keeping our Members Safe
o Enforce social distancing guidelines and amend our terms & conditions to reflect this.
o We will ask members to clean equipment after use, more sanitiser spray and blue roll to help
o We will increase the cleaning across the club in particular to high traffic/contact areas.
o Utilise outdoor space for exercise where possible.
JUNE OPERATING PLAN – PARTIAL RE-OPENING
§ Our goal is to provide members with maximum product as permitted by local government guidelines.
§ Current restrictions are more relaxed pertaining to outdoor activity.
§ Our focus ahead of indoor opening is to leverage our vast outdoor space to create a range of activity.
§ This includes tennis, small group exercise, gyms, personal training and cycling/spin.
§ Members will have the option to ‘opt-in’ at 50% of membership fees.
§ Our expectation is that this trading period will be unprofitable, but an important step to maintain member engagement.
90% 79% 75% 73% 64% 43% 43% 42% 36% 35% 32% 27% 26% 17%
VisitingFamily /Friends
Going toGy m
Eating out Travellingabroad
Going tothe hairdresser
Going tothe pub
Taking partin Group
Ex
Using aSpa
GoingCinema
Going toconcert /live sport
Relaxingoutdoors
Taking partin outsideact ivities
Going tothe
theatre
Visiting amuseum /
gallery
CONSUMER ATTITUDES
Our Member research suggests;
§ Overall sense of cautious optimism
§ General positivity towards the brand in terms of our handling of the pre-lock down period
§ Positive anticipation in returning to the club
§ Demonstrating high degree of cleanliness and hygiene crucial to member attitudes in returning to DL clubs
§ In addition, demonstrating good levels of social distancing is an important factor to members.
§ Visiting the gym/health clubs ranks 2nd to visiting family & friends when asked what members miss the most during lockdown
§ Younger and middle aged members more eager to return, older age ranges (55+) more cautious about returning immediately.
*source : David Lloyd internal member survey
Q. From the list below, which, if any have you missed doing? Select all that apply.
13%
14%
32%
38%
68%
68%
85%
95%
Something else
Playing tennis outdoors
Outdoor group exercise classes
Swimming outdoors
Capacity restrictions; i.e. class sizes
Staff / Team members provided with relevant PPE
Social distancing measures
Stringent cleaning & hygiene practices
Q. How important are the following when thinking about returning to your David Lloyd Club? Select all that apply.
POTENTIAL LONG LASTING CHANGES FOR THE SECTOR
§ Strong digital content to complement membership will become a key part of the gym/health club offering
§ Increased market potential as consumers learn the benefits of exercise and health/wellbeing
§ Greater technology to help improve the service proposition (eg, contactless entry, app ordering)
§ Potential different usage patterns as peoples working habits change – traditional peak times flattened
§ High cleaning / sanitisation expenditure will remain a key feature of a club operating costs
§ More opportunities to acquire and consolidate….for the survivors!
01 VIVAGYM GROUP
02 COVID-19 TIMELINE
03 TRACTION DURING LOCKDOWN
04 PLANNING THE RE-OPENING
05 KEY TAKEAWAYS
06 FIRST IMPRESSIONS AFTER RE-
OPENING
CONTENT
19
20
01 VIVAGYM GROUP
Long Opening Schedule18 hours per day in Spain and 16h in Portugal
Open 7 days per weekOpen 363 days per year
Prime locationAspirational locationSignage & visibilityAccess & parkingShell quality
Opening hours
Pricing &
No contract
High quality Shell &
fitness o
fferin
gLocation
Clea
ning
, Saf
ety
&
Sani
tatio
n
Cleaning, Safety & SanitationCleaning and Safety to be at the centre of Staff prioritiesIncrease and adapt cleaning hoursStaff actively focused on cleaningOther initiatives
> VivaGym Group value proposition
Transparent pricing with No Contract
One price per gym
Joining feeNo contract
State of the art fitness experience
Premium look & feel and Extensive gym equipment
Focus on studio class offering with 3 studios and HIIT zone
App for its members and Online workoutsNearing 1000 PTs
21
> VivaGym Group at a glance
24th Largest European Fitness Company• Over 335k members in Feb-20• Largest Southern Europe player
46% Members CAGR from 2015-2019• Fast paced growth supported by strong financials• Among the fastest growth companies in Europe
96 Clubs and reaching 100 in 2020• Despite Pandemic headwinds, company expects to
continue expansion• Target to end 2020 with over 100 gyms
Top 100 Company to work for• The VivaGym Group was ranked among the 100 Best
companies to work for in 2019 in the Actualidad Economica ranking
• The only fitness company to be ranked
01 VIVAGYM GROUP
02 COVID-19 TIMELINE
> Emotional rollercoaster> Closing date: Pre-emptive versus Reactive> Reaction to news of infections… when in our gyms?> Messaging the decision to Team, Members and Stakeholders> Coordinating with Industry association
22
23
> Case Study.> On-line classes Social Networks.
ON-LINE
CLASSES
From 16.03 to 24.05o +750 live classeso Avg. 61 classes per weeko +1,901k avg. audience in first 24 hourso +1,276k audience in IGTV
HUT HOME
o Launch 27th of Aprilo +10,5k userso 521 live classeso 284 on demand classeso +48k views
SOCIAL
NETWORK
Followers growtho IG: +2.5 times
the pre-lockdown followerso FB: +3.75 times
the pre-lockdown followers
03 TRACTION ON LOCKDOWN
24
> Case Study.> Team Project
03 TRACTION ON LOCKDOWN
• 32 training programmes
• 751 staff trained
• Contributions during lockdown: +38.7k members
• Continuous contact• Weekly calls• CEO’s communications
New training programmes
example
CEO’s communication example
24
> Enhancement of the value proposition
• Re-definition of studio classes• Online classes• Outdoor activities project
26
04 PLANNING
> Re-opening sequel.
> Zoning the gym
> Access control
> Gradual opening of the gyms
> Overmanaged clubs
> Sharing of incidences and learning curve
THE RE-OPENING
27
04 PLANNING THE RE-OPENING
EX
PE
CT
ED
BE
HA
VIO
UR
VA
LU
E P
RO
PO
SIT
ION
MOST OF MEMBERS INTEND TO:• Come back to gym when it opens (49%)
and have not decided yet (41%);• Reduce the attendance to classes.
MEMBERS FEEDBACK:• Schedule attendance online to guarantee
their place in the gym (92%);• Join outdoor classes (65%);• Access an exclusive online platform for
classes (44%);• Willing to modify their training schedule
(38%).
49% 53% 51%51% 47% 49%
SP PT TOTAL
AND NOW DO YOU PLAN TO DO CLASSES?
No Yes
46% 40% 43%
54% 60% 57%
SP PT TOTAL
IF WE OFFER OUTDOOR CLASSES, WILL YOU JOIN?
No Yes
5% 8% 7%
95% 92% 93%
SP PT TOTAL
WOULD YOU LIKE TO HAVE AN ONLINE SCHEDULING PROCESS?
No Yes
61% 63% 62%
39% 37% 38%
SP PT TOTAL
WOULD YOU BE WILLING TO MODIFY YOUR TRAINING SCHEDULE?
No Yes
* We just had 28% of answers
*
SP PT TOTAL# responses 7086 9616 16702
46% 37% 41%54% 63% 59%
SP PT TOTAL
DID YOU DO CLASSES IN THE CLUB?
No Yes
64%31% 55%
36%69% 45-5
SP PT TOTAL
SHOULD THERE BE AN ONLINE CLASS PLATFORM, WOULD YOU JOIN?
No Yes
3% 5% 4%18% 25% 22%58% 55% 56%21% 15% 17%
SP PT TOTAL
BEFORE DE CUARENTINE, HOW MANY TIMES DID YOU GO TO THE GYM?
<1 /W 1-2 /W 3-4 /W 5+ /W
1% 10% 6%21%59% 43%
61%25% 40%
17%6% 10%
SP PT TOTAL
HOW MANY TIMES DOY YOU THINK YOU WILL GO TO THE GYM?
<1 /W 1-2 /W 3-4 /W 5+ /W
53% 47% 50%5% 7% 6%
37% 42% 40%3% 3% 3%
SP PT TOTAL
WHEN DO YOU PLAN TO RETURN TO THE GYM?
When it opens After summerI don't know I will not come back
28
04 PLANNING THERE-OPENING> The handbook of operations post-covid19.
• Accessing and Access control.
• PPE for staff
• Physical distance management
• Enhanced cleaning & sanitisation.
• Value Proposition revisited.
29
05 KEY TAKEAWAYS
The Covid-19 Pandemic evolved very fast and with minimal impact in consumer behaviour until 1 week before the lockdown…• VivaGym Group traded in line with past year in the week leading to the closing of the gyms
> The VivaGym group acted swiftly to protect its Stakeholders while preparing for the re-opening
…However the VivaGym Group proactively decided to close the gyms to ensure the protection of its employees and members• Company acted before Governments ordered the closing of the facilities
The VivaGym Group devised a plan focused on 4 key elements to protect all stakeholders • (i) Organizing closing, (ii) Protect our Staff and Members, (iii) ensure best practices during lockdown to minimize investor impact
and (iv) prepare for the future
During the shutdown, the Group has launched several successful initiatives to engage with members• Online classes through Social media and significant increase in social media engagement• HUThome launched in Portugal
The VivaGym Group is preparing for the future by planning what it can control and mitigating uncertainty• Phased re-opening to ensure best practices and minimize impact of unknown events• Thorough plan to ensure safety of Employees and Members
The VivaGym Group team has shown strong resilience• Challenging times called for additional team effort to take adequate decisions in a short time period
Unity from the industry• Fitness Industry came together and shared experiences and visions in numerous forums
06 FIRST IMPRESSIONS AFTER RE-OPENING> Attendance behaviour on re - opening
30
Members at c. 86%
Less joiners but a spike of online joining
Studio attendance at 45% of capacity
Spain Attendance vs Prior Year Portugal Attendance vs Prior Year
Members at 88%
Studio attendance at 39% of capacity
Taking responsibility,being entrepreneurialand always keep going
Always strivingfor excellence
Blowing away customerexpectations with our love for
health and fitness
Inspiring each otherand always winning
as a teamDoing the right
thing – every time
Martin Seibold, CEO LFG
§ Joined Fitness First in 1998 and has held numerous country and global senior roles
§ Successfully reshaped Fitness First UK during 2011-2016 before selling to DW Sports
§ Holds a Master’s degree in Sports Economics
Today’s presenter
Page 37
MULTI-BRAND FITNESS OFFERING IN DISTINCT MARKET SEGMENTS
Mid-rangePremium Upper rangePrice
Operating brands
Offering/focus § Boutique fitness § Boutique fitness / PT § Boutique fitness § Performance, strength § Wellness & full service § Modular, smaller towns
Description
§ US-based pioneer of indoor high-intensity interval training combining cardio and strength training
§ Personalized, high-quality, digitally supported workout with permanent access to lifestyle coaches
§ US-based leadingboutique brands in pilates and barre with 1.000+ studios in USA
§ Premium chain in Hamburg offering high-intensity fitness courses with state-of-the-art machines as well as cross-fit
§ #1 premium health and fitness club operator in Germany with strong nationwide brand awareness
§ Leading value fitness chain in the Saar-Palatinate region with focus on offering young customers high value for money
Price point§ No joining fees § Classes start from
EUR 25
§ EUR 99 joining fee§ EUR 99/month (12
month subscription)
§ TBD§ EUR 95 joining fee§ EUR 70/month (12 month
subscription)
§ EUR 49-99 joining fee§ EUR 50-85/month
§ EUR 30-40 joining fee§ EUR ~30/month (12 month
subscription)
Avg. retention § N/A § 70%+
# of members § N/A § 250,000
To be rolled out
Studio / Boutique
4 Clubs 56 Clubs 24 ClubsFrankfurt/Oct, Berlin/Dec Cologne/July 2021 TBC
PAGE 38
TOP LOCATIONS
Stuttgart(3 Clubs)
Berlin: 10 FF clubs
+ 1 Barry’s opening
Hamburg: 8 FF clubs
+ 4 elbgym clubs+ 1 elbgym opening
Frankfurt: 8 FF clubs
+ 1 Barry’s opening
Munich: 4 FF clubs +1 elbgym
opening
Düsseldorf: 3 FF clubs
Saar-Palatine: 21 clubs
#1
#2
#1
#1
elbgym
Cologne: 5 FF clubs
+ 1 TGS opening
Fitness First
smile X
#1/2 = Market position within market segment
LifeFit Group combines successful fitness brands from the boutique, „high-value-low-price” and premium segments under 1 roof:
#1
The Gym Society
#1
#1
§ Fitness First, elbgym & boutique studios focus on the metropolitan areas and some regional strongholds
§ SmileX is more versatile and will expand with corporate and franchise gyms
§ Germany´s set up with independent federal states meant we had to close all gyms within 10 days beginning mid-March, gradually re-opened them since mid June
§ Regulations vary by state resulting in mixed bag of operational procedures
Barry’s Bootcamp
#2
#1
PAGE 40
RE-OPENING – WHAT IS REALLY HAPPENING
Staff are overwhelmed & insecure (private & work), members exactly the same
Restrictions, offering reduced, home office etc. = less visitors -63/54/50%Classes full, PT business very slow
Information flow is constant & ever changing – less is more (ROID & F)
Joiners are down -62/78/70%some light: week 4 only -25%, Asia 115% week 6 onwards
Pro-active selling - how would you react?Corporate business - patchy
Referrals - major driver
Compensation requests for not able to use, not want to use, reduced access/offerings increase
Everybody wants to know: what will be the future restrictions & how will you handle it (i.e. sauna)
Landlords will struggle to really support going forward
There is no money to be made in digital offerings – just cost – but member retention
Cash is king - be prepared for a second wave or opportunities
Like it or not
PAGE 41
RE-OPENING – WHAT IS REALLY HAPPENING
Staff are open to change & will go the extra mile, teams really pulls together and excelA chance for employer branding (also with GX, PT)
Members who train are really happy
Your teams have time for themember, it is more personal
Clubs have never looked better
Members are really loyal, underlying retention is improving
Social media is a real asset (also for challenging commentary)
Willingness & speed to digitise and create frictionless
Live classes, WOD – real popular –chance tor drive retention
Fitness industry relatively stable vs other; Fitness improves health -boost the immune system
Member habits will change, economic situation might result in reduced consumption - still 10 weeks of Xmas will drive business
Like it
PAGE 42
MANAGE TO SURVIVE & RE-OPEN ON TIME
• Maintain liquidity
• Stakeholder management
• Good & transparent member communication
• Keep staff moral up• Prepare for re-opening
• Plan future waves
Key actions during lockdown
§ Prepare quantification and scenarios analysis for financial lockdown impacts
§ Take actions based on financial forecast with landlords, members handling, overall cost base
§ Define short, medium and long term financial milestones to be achieved
Processes & Finances
§ Clubteams: 95% furloughed, service team 20%, freelance 25% voluntary (no funding)
§ Regular video update with senior leaders
§ Best practice sharing between brands§ Use time to educate & train staff
§ How to deal with different reactions of staff during crisis? (e.g. wearing masks y/n)
People
§ We were able to continue dues collection, ensured over-compensation options
§ Increased digital offering
§ Prepare all club areas for re-opening§ Operational set up incl. booking
§ Prepare for many member requests in Customer Service and clubs
Product & Members
§ Engage with LLs to defer / reduce rent cost by 50% or more, but keep long term impacts in mind‒ short term: ensure liquidity; long term: achieve
lower rent levels & define future lockdown rules
§ Use idle time to upgrade clubs
§ Prepare for set up rules post lockdown
Portfolio
§ Website as central tool for communication with social media channels feeding traffic
§ Review pricing/membership model (flexibility)
§ Increase digital cut through for future searches§ Make restriction comms/signage fun
§ Immune-booster summer campaign launched
Price & Marketing
PAGE 43
RE-OPENING - IMPRESSIONS
TITEL DER PRÄSENTATIONCALIBRI FETT KURSIV
Untertitel der Präsentation, Calibri kursiv
RE-OPENING - IMPRESSIONS
PAGE 45
RE-OPENING - IMPRESSIONS
Re-opening information
Compensation links
Brand campaign
Home Workouts
Live Streaming
Join
Guest pass
PAGE 46
RE-OPENING - IMPRESSIONS
Make restriction comms/ signage fun and easily understandable
Prin
t
Onl
ine
PAGE 47
RE-OPENING - IMPRESSIONS
Use the team & make staff training interesting through LFG online training platform
PAGE 49
RE-OPENING - IMPRESSIONS
Online training offering – Variety is king (400+ live classes)
Ask your members:
Live Classes KPIs:
§ Ø # of participants per class: 1.800
§ Top: First class ever 27k+
§ Increase in Youtube followers: 999%
PAGE 50
RE-OPENING - IMPRESSIONS
Online training offering – Variety is king (pick your partners matching the brand)
PAGE 51
RE-OPENING – EMPLOYEE VOICE – ASK YOUR STAFF
Employees were asked to rate the importance of several initiatives in preparation for the re-opening (blue = not important/ purple = very important)
Not important 2 3 4 Very important
Not important 2 3 4 Very important
Not important 2 3 4 Very important
Not important 2 3 4 Very important
Good availability of desinfectant
Club staff works wears face masks
Staff and members take care of utilised equipment cleaning
Sufficient physical distance between members in the club
PAGE 52
RE-OPENING – EMPLOYEE VOICE – ASK YOUR STAFF
Generate feedback on educational needs and crisis management
What kind of training are you interested in, in the next couple of months?
Corona p
roce
sstra
ining
Member han
dling
Safety
at work
Sales
Personal
developoment
Fitness
License
Please rate your satisfaction with the current crisis management
§ Giving employees the opportunity to voice their needs and comments is highly valued
§ Free text answers provide valuable feedback which can be used to optimize procedures
Not satisfied 2 3 4 Very satisfied
PAGE 53
RE-OPENING – CONSUMER VOICE – ASK YOUR MEMBERS
Maintaining general Fitness, strength training and GX are desired mostly by our members once studios are open again, immune system on the rise (from 4% to 26%)
Please select the main reasons because of which you want to reactivate your training
Improve overall fitness
Strengthen the immune system
Cardio & endurance training
Strength & muscle building
Group Fitness Weight reduction
Improved look Back training & health
Physical and mental balance
PAGE 54
RE-OPENING – CONSUMER VOICE – ASK YOUR MEMBERSCleanliness and hygiene are key drivers for members (blue = not important/ purple = very important)
Enough disinfectant is available to all members Members clean the used equipment by themselves (e.g. yoga mat)
Generally increased gym cleaning intervals
Not important 2 3 4 Very important Not important 2 3 4 Very important
Not important 2 3 4 Very important
PAGE 55
RE-OPENING – CONSUMER VOICE – ASK YOUR MEMBERSEnough reasons to be optimistic – Members want to workout a lot post Corona – not true looking at the first 3 weeks
Piper Sandler Industry Research:
§ ~83% are likely to keep their gym membership once their gym reopens§ ~34% claim to be exercising more than prior to the crisis§ ~68% of gym members plan to keep their membership even during an extended recession
How frequently do you want to workout after the re-opening?
Less than 1 x per week
1 x per week 2 x per week 3 x per week 4 x per week No training until the situation has calmed down
PAGE 57
MANAGE TO COME OUT AS A WINNER
Phoenix - Business Transformation Summer 2020
§ What did you hesitate to do? § Never dared to do? § Where did your team push
you back?
§ The world has changed
§ You must change too§ Now is the time
PAGE 58
MANAGE TO COME OUT AS A WINNER
PEOPLE PORTFOLIO PRODUCT PRICE & MARKETING
Incentive structures
Club team structure
Staff development
Initiatives which create certainty, support transformation (and take cost out):
Phoenix program
Intrinsic motivation
E-learning
Concierge
Showcase & Facility bullet proof next 2 yrs
Daytime cleaningin-house
Leases 2.0
M&A opportunities
Equipment bulletproof next 2 yrs
Future digital offering
Gym floor exciter
Retail simplified
Pricing & future t&c
1-click membership
Social media 2.0
Compensation options
Legal structures
50% less processes
Insurance options
PROCESSES & FINANCES
What are yours?
Thank youwww.europeactive.eu/covid19
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