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From recording losses to recovery: EBA presents a step-by-step plan for business 3.0

27/ 08/ 2026
  Ukraine Recovery Committee of the European Business Association, together with experts from BDO in Ukraine, has prepared the third edition of a practical document titled How to Proceed in the Event of Property Damage Due to Armed Aggression: Step-by-Step Plan 3.0. The document will help companies quickly orient themselves in the event of damage to or destruction of property due to military action: correctly recording losses, building an evidence base, identifying available compensation mechanisms, and restoring operations. It will also be useful for businesses wishing to prepare in advance for possible war-related risks. DOWNLOAD THE DOCUMENT The step-by-step plan covers the main legal, financial, tax, labour and operational issues that a business may face after an incident. In particular, it addresses obtaining victim status, assessing and documenting losses, liaising with insurers, using state support programmes, restoring financing, and ensuring business continuity. The third edition of the document has been substantially updated and expanded to reflect legislative changes and new support mechanisms, current as of August 2026. Among the key innovations in Step-by-Step Plan 3.0: a practical section has been added on the Register of Damage for Ukraine (RD4U) and the categories of claims open to business; information has been included on the Point of Resilience programme and recovery loans under the Affordable Loans 5-7-9% programme, worth up to UAH 150 million; a separate section has been added on loan restructuring in accordance with new NBU (National Bank of Ukraine) decisions; the compensation mechanism via the Export Credit Agency has been updated, including the procedure for submitting applications, confirming losses, and the deadlines for applying for compensation of insurance premiums; for the first time, a matrix combining eight mechanisms for recording, compensating and financing losses has been prepared. It helps clarify which tools can be used in parallel and what limitations apply; a summary table of key deadlines has been integrated to help businesses track critical due dates. Step-by-Step Plan 3.0 is a practical navigator for business, both at the stage of preparing for possible risks and after property damage has occurred — from the first steps in recording losses to using the available mechanisms for compensation, support and recovery. As a reminder, the first edition of the document was prepared at the end of 2025, and in spring 2026 the Association presented its expanded version — Step-by-Step Plan 2.0. Going forward, the document is planned to be regularly updated in line with changes in legislation, the development of state and international compensation mechanisms, and businesses practical experience.

Ukraine Recovery Committee of the European Business Association, together with experts from BDO in Ukraine, has prepared the third edition of a practical document titled “How to Proceed in the Event of Property Damage Due to Armed Aggression: Step-by-Step Plan 3.0”.

The document will help companies quickly orient themselves in the event of damage to or destruction of property due to military action: correctly recording losses, building an evidence base, identifying available compensation mechanisms, and restoring operations. It will also be useful for businesses wishing to prepare in advance for possible war-related risks.

DOWNLOAD THE DOCUMENT

The step-by-step plan covers the main legal, financial, tax, labour and operational issues that a business may face after an incident. In particular, it addresses obtaining victim status, assessing and documenting losses, liaising with insurers, using state support programmes, restoring financing, and ensuring business continuity.

The third edition of the document has been substantially updated and expanded to reflect legislative changes and new support mechanisms, current as of August 2026.

Among the key innovations in Step-by-Step Plan 3.0:

  • a practical section has been added on the Register of Damage for Ukraine (RD4U) and the categories of claims open to business;
  • information has been included on the “Point of Resilience” programme and recovery loans under the “Affordable Loans 5-7-9%” programme, worth up to UAH 150 million;
  • a separate section has been added on loan restructuring in accordance with new NBU (National Bank of Ukraine) decisions;
  • the compensation mechanism via the Export Credit Agency has been updated, including the procedure for submitting applications, confirming losses, and the deadlines for applying for compensation of insurance premiums;
  • for the first time, a matrix combining eight mechanisms for recording, compensating and financing losses has been prepared. It helps clarify which tools can be used in parallel and what limitations apply;
  • a summary table of key deadlines has been integrated to help businesses track critical due dates.

Step-by-Step Plan 3.0 is a practical navigator for business, both at the stage of preparing for possible risks and after property damage has occurred — from the first steps in recording losses to using the available mechanisms for compensation, support and recovery.

As a reminder, the first edition of the document was prepared at the end of 2025, and in spring 2026 the Association presented its expanded version — Step-by-Step Plan 2.0. Going forward, the document is planned to be regularly updated in line with changes in legislation, the development of state and international compensation mechanisms, and businesses’ practical experience.

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