Home / Finance / From Luxury Cruises to Luxury Hospitality

From Luxury Cruises to Luxury Hospitality

<p>'Maritimo', jedan od brodova iz flote Katarina Linea</p>
'Maritimo', jedan od brodova iz flote Katarina Linea / Image by: foto

For years, the Adriatic has been plagued by an epidemic of fish picnics, half-day sea excursions that included swimming, fishing, preparing fish, usually on a grill, and lunch. These simple excursions were, until the new millennium, the bread and butter for many Dalmatian families. A hundred euros for an excursion, likely more if it involved a larger family, was the price that had to be paid for the captain to include the boat.

However, due to the development of tourism, it was inevitable that one day this would be replaced by better service, which has indeed happened. Fish picnics are now a rare occurrence – replaced by a wide range of services, from boat rentals to full-day excursions to attractive locations and luxury cruises. In the latter segment of five-star floating tourism, this space was utilized by Katica Hauptfeld, who has developed her company, Katarina Line, since 1992 from a small charter agency to a leading specialized agency for small ship cruises in the Adriatic, partly with the help of ambitious shipowners from Krilo Jesenice, whose rented excursion vessels are the backbone of the company’s fleet.

Model of a Floating Boutique Hotel

The pandemic crisis has globally harmed tourism and the economy, which is clearly visible from a quick overview of Katarina Line’s business indicators. Five years ago, in 2020, the company recorded just over two million euros in revenue. It somewhat recovered the following year, in 2021, when it had 9.5 million euros in revenue, which grew to 43.3 million euros by 2024, allowing it to rise to the top position in the tourism agency sector, according to NKD. As noted by Lider’s financial analyst Nikola Nikšić, owner of the consulting firm Konter, a total of 1806 companies in this sector generated 1.1 billion euros in revenue last year, and behind Katarina Line, which holds a 4.1 percent revenue share in the sector with 43.3 million euros, are Nautika centar Nava with 31.4 million euros and a three percent share, Kompas with 24.1 million euros and a 2.3 percent share, and Gulliver Travel with 22 million euros and a 2.1 percent share.

Competitiveness in the sector is extremely high, as indicated by the data that only 13 other companies achieved revenues greater than 10 million euros, while the remaining 1789 accounted for a total of 72.1 percent of total business revenues.

How did the company Katarina Line manage to achieve such results? The answer lies in the picture we described at the beginning of the text. The business model of day trips, more meaningful than the rudimentary fish picnics, has been transformed into a model of multi-day cruises on luxury ships, small enough for guests to experience the immediacy of excellent service and the luxury they pay for. The trips offered are not in competition with cruises on giant ships that can be seen every summer in larger Dalmatian ports. With Katarina Line, guests can today explore the Adriatic and experience it literally in a floating boutique hotel where food and drink do not lag behind better offerings on land.

The fleet of the Opatija cruise company, according to data on its website, currently has 46 ships. These are mostly rented vessels, primarily from shipowners in Krilo Jesenice. This is the place where, when passing along the highway from Split to Omiš, you encounter a small harbor where boats are crowded together. Katarina Line has provided the Krilo shipowners with a new opportunity to modernize their excursion fleet, which has been very welcome for those shipowners who historically transported both wine and gravel, and then only in the 1960s reoriented to tourism. In the new wave of mini-cruises, the Krilo owners have replaced their wooden excursion fleet with steel, expanded its accommodation capacities and length measures, and in the last decade have built about fifty such luxury ships that are now primarily used by the Opatija company of Katica Hauptfeld.

Exporter of Expensive Services

The ships offered by Katarina Line are categorized into six accommodation and service categories, from wooden sailing ships to mini-cruisers that can accommodate a maximum of 36 passengers. Departures are organized from Opatija, Split, and Dubrovnik, offering more than forty different trips, some of which are also intended for guests who are active recreationalists. In this regard, Katarina Line does not only welcome guests in its home ports but also gathers them in Zagreb, Ljubljana, and Split and brings them to the starting destinations of the cruises. It also offers land tours, including cycling tours, for those who do not like to sail.

The revenue structure reveals that it is practically an exporter of expensive services. From 2021 to 2024, the share of revenue from sales abroad has steadily increased, from 81.8 to as much as 88 percent. The international nature of sales has evidently facilitated this tourist company’s rapid recovery after the pandemic, as it has reached high-paying client groups from the USA, Western Europe, Australia, Canada, New Zealand, and South Africa, and by offering exclusively Adriatic trips, it has also positioned itself as a promoter of domestic tourism. Clearly, this is beneficial for the company as well, because by popularizing the destinations it lives from, at a luxury level, it creates a foundation for continued good business in foreign markets and a large return of guests. It is equally important that it is therefore resistant to changes in the domestic market, where even minor inflationary shocks can make much simpler summer vacations than those on a small luxury cruiser inaccessible to domestic consumers. The luxury ships of Katarina Line can be seen from the publicly available offerings. The highest class is equipped with air-conditioned cabins with private balconies, often featuring jacuzzis or some form of spa service, gourmet meals, personalized excursions, and exclusive transfers. The lower class of ships in the fleet allows for a deeper market penetration, where some services can also be supplemented at an additional cost.

Like in Agatha Christie Novels

However, Katarina Line does not limit itself only to offering cruises. As we have already pointed out, it also offers active and land tours, and in recent years the company has invested significant funds in hotel construction. Last year, it opened the Keight Hotel Opatija as part of the Curio Collection by Hilton brand. The construction of this hotel with more than fifty rooms, an indoor and rooftop pool, and a fine dining restaurant took about three years and cost around 26 million euros, most of which was financed by the company itself.

– In the asset structure, which amounted to 34.3 million euros on December 31, 2024, long-term tangible assets worth 28.1 million euros accounted for 81.8 percent, of which 22.6 million euros, or 65.8 percent, pertained to buildings with land. The company has recorded a significant decline in cash position for three years. After having just over 10 million euros on December 31, 2021, and 2022, it had 5.3 million euros on December 31, 2023, and significantly less, 1.6 million euros, on the last day of 2024. Based on the increase in value in the position of tangible assets from 19.8 million euros on the last day of 2023 to 28.5 million euros on the same day in 2024, it is evident that investments have been significantly financed from internal sources, and only to a lesser extent from external ones. In the liability structure, 2.1 million euros or 6.1 percent relates to equity, and 22.5 million euros or 65.6 percent to retained earnings and the carried-over loss and profit of the current period. Of the total of 20.2 million euros in retained earnings up to January 1, 2020, and three years of profit from 2021 to 2023, only 306.5 thousand euros or 1.5 percent has been paid out, while 19.9 million euros or 98.5 percent has been retained primarily for investment purposes – explained our expert Nikola Nikšić, adding that publicly available documents show that in the past five years, the company has invested a total of 31.2 million euros in long-term assets.

In short, the hotel has been financed from accumulated funds and aims high, offering five-star services; after all, just like the ships on which guests of Katarina Line cruise the Adriatic. Where does the inspiration for this business model and the recent leap into hospitality come from? Katica Hauptfeld, the alpha and omega of the family company in which her children are also engaged, worked for many years at Kvarner Express, which rewarded her one year with a cruise on a wooden trabakul. That trip she took with her husband was a decisive experience that directed her towards cruising. Perhaps there is also some inspiration from Agatha Christie’s crime novels. One of her most famous characters, Hercule Poirot, is found on a small luxury cruise ship in at least two of her novels. The Pierrot figurines collected by Katica Hauptfeld’s husband are the theme of another Poirot story and served Studio 3LHD as inspiration for the decoration of the Keight Hotel Opatija and the name of the fine dining restaurant. That Katica Hauptfeld loves symbolism is also evident from the name of the hotel, coined from a play on her name in English and the English word for the number eight.

Low Level of Financial Obligations

Setting aside inspiration and symbolism, the motivation for investing in the hotel was purely economic. As the organizer of cruises, Katarina Line has been filling other hotels and boats for years and earning well from it, and now it has its own hotel in one of the ports from which the company’s ships depart for cruises. The plan is to build more hotels in the main departure ports of these ships, first in Split, which is the home port for 35 of its cruisers at the peak of the season. It is still searching for a suitable location and does not give up despite the fact that attractive locations in that city have long been distributed among local players.

Thanks to strong investments in recent years, wisely and prudently financed from its own resources, financing, and sophisticated product segmentation, the company has weathered the pandemic crisis in tourism and emerged stronger and richer with an excellent five-star hotel operating under the Hilton brand. In addition to counting ships, revenues, and the capacity of the new hotel, such a conclusion is also supported by dry data such as CAGR, the average growth rate of 16.8 percent over the past three years, maintaining a net profit margin at nearly double the level of the industry average, and controlling personnel costs, where the average salary in 2024 has been reduced compared to 2023 despite hiring and increasing the total labor cost by nearly 2.4 million euros. The decline in current liquidity is not yet a cause for concern because precisely due to its own financing of investments, the low level of financial obligations gives Katarina Line room to bridge possible future business difficulties with short-term borrowings.

By now, we have all become well acquainted with the risks in the tourism sector, from seasonality to inflation. The green agenda imposes additional demands on shipowners and cruise organizers, so it can be expected that in the future these companies will also face technological transformations of the partner fleet, namely electrification. For a new leap into hospitality, it has already shown interest, and when and whether it will continue down that path while helping shipowners modernize their fleet will depend on how economically viable the investment cycle it has just completed will be.

Tagged: