I've find out that i'm simply missing whole folder in ...\game\eu\data\world-eu-newbie\
The missing directory name is 'terrains' ...
I've fought coping 'terrain' folder from the 'data' dir will be simple solution, but it wasn't. I was kicked out by CRC Error.
At least I was able to go back to character creation screen.
Made another attempt. I've used only one file, 't26.ter' in that case.
These time I've stuck at (1/9), but command 'onworldcreated' came useful.... Boom, i was inside the world... Water world i would say, but at least I knew what was wrong with my game. Good joob devs!
Found fix here partially-walk-around-of-stuck-at-loading-world-0-9-t25572/#p113575