MIRA
INFORM REPORT
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Report Date : |
6th November 2006 |
IDENTIFICATION
DETAILS
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Name : |
DIAM.ORO di ASHISH
JAIN |
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Registered Office : |
Viale B.
Cellini, 1
15048 - Valenza (AL) -IT- |
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Country : |
Italy |
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Date of Incorporation : |
13/07/2006 |
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Legal Form : |
Sole proprietorship |
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Line of Business : |
Wholesalers of jewellery and silverware |
RATING & COMMENTS
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MIRA’s Rating : |
C |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
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<10 |
C |
Absolute credit risk exists.
Caution needed to be exercised |
Credit not recommended |
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Status : |
New Company |
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Payment Behaviour : |
Unknown |
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Litigation : |
Clear |
Name & address
DIAM.ORO di ASHISH
JAIN
Viale B.
Cellini, 1
15048 - Valenza (AL) -IT-
SUMMARY
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Fiscal Code |
: |
JNASSH79L20Z222M |
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Legal Form |
: |
Sole proprietorship |
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Start of Activities |
: |
13/07/2006 |
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Number of Employees |
: |
from 1 to 5 |
ACTIVITY
Wholesale of jewellery and silverware.
LEGAL DATA
Legal Form : Sole proprietorship
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Fiscal Code :
JNASSH79L20Z222M |
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Chamber of Commerce
no. : 229405 of Alessandria since 31/07/2006 |
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Firms' Register :
AL-2006-22303 since 01/08/2006 |
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V.A.T. Code :
02133840062 |
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Start of Activities |
: 13/07/2006 |
MEMBERS
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JAIN |
ASHISH |
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Born in SHIVPURI |
on 20/07/1979 |
- Fiscal Code :
JNASSH79L20Z222M |
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Residence : |
Viale |
SANTUARIO |
, 23 |
- 15048 |
Valenza |
(AL) |
- IT - |
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Position |
Since |
Shares Amount |
% Ownership |
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Proprietor |
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No Protests registered.
COMPANIES CONNECTED TO MEMBERS *
*checkings have been performed on a national scale.
The Members of the subject firm are not reported to be Members in
other companies.
DIRECT PARTICIPATIONS
The Company under review has no participations in other Companies.
STRUCTURE AND COMPANY ACTIVITY
In order to carry out its activities the firm uses the following
locations:
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- |
Legal and operative
seat |
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in : |
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Viale |
B. Cellini |
, 1/3 |
- 15048 - |
Valenza |
(AL) |
- IT - |
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Trading Style:
DIAM.ORO |
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PHONE |
: 0131/950201 |
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PHONE |
: 0131/927942 |
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Assistants |
: 1 |
CREDIT REVOLVING
During last Year, the subject of inquiry has not been monitored by
our company.
LEGAL PROCEDURES
None reported, standing to the last received edition of the
Official Publications.
IMMOVABLES *
*No specific (mortgage/cadastrial registrations) inspections have
been requested.
None reported in the name of the Firm.
FINANCIAL AND ECONOMICAL ANALYSIS
The subject's early starting does not allow any expression in
credit opinion. We believe that further developments are necessary to
appreciate the situation.
Means and time of payments are not completely defined. Present
economical and financial situation is still not much linear.
Business relationships with its own suppliers have to be verified.
CREDIT OPINION DETERMINATION
The credit opinion determination is divided into two phases :
1) Risk analysis (Score).
2) Reliability score identification.
RISK ANALYSIS (SCORE)
On the base of precise indicators as "Activity sector",
"Area", "Firm's foundation", "Payment
analysis","Profitability", we analysed the companies included in
the same activity sector of subject company, classifying them by their own risk
score.
RELIABILITY SCORE
The firm has been recently activated, therefore, for the moment,
no necessary elements are present for an adequate credit evaluation.
CREDIT OPINION
Considering the above mentioned explained situation we advise to
follow closely subjects developments.
REMARKS
1) Protests checking (relative to the last five years) performed
by crossing and matching the members names and the Firm's Style with the
reported addresses, is supplied by the Informatic Registry managed by the
Italian Chamber of Commerce. If the fiscal code is not indicated, the eventual
homonymous cases are submitted to expert staff evaluation in order to limit
wrong matching risks.
2) The Legal Data, supplied and retrived from the Firm's Registry
of the Italian Chamber of Commerce, are in line with the last registered
modifications.
MARKET / TERRITORY DATA
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Population living in
the province |
: |
429.080 |
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Population living in
the region |
: |
4.330.172 |
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Number of families in
the region |
: |
1.889.207 |
Monthly family expences average in the region (in Eur.) :
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- per food products |
: |
429 |
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- per non food
products |
: |
1.789 |
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- per energy consume |
: |
135 |
SECTOR DATA
The values are calculated on a base of 1.980 significant companies.
The companies cash their credits on an average of 120 dd.
The average duration of suppliers debts is about 140 dd.
The sector's profitability is on an average of 1,93%.
The labour cost affects the turnover in the measure of 7,30%.
Goods are held in stock in a range of 54 dd.
The difference between the sales volume and the resources used to
realize it is about 1,46.
The employees costs represent the 7,41% of the production costs.
STATISTICAL DETRIMENTAL DATA
Statistcally the trade activity shows periods of crisis.
The area is statistically considered moderately risky.
In the region 27.019 protested subjects are found; in the province
they count to 2.105.
The insolvency index for the region is 0,63, while for the
province it is 0,50.
Total Bankrupt companies in the province : 1.755.
Total Bankrupt companies in the region : 14.165.
RATING EXPLANATIONS
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RATING |
STATUS |
PROPOSED CREDIT LINE |
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>86 |
Aaa |
Possesses an extremely sound
financial base with the strongest capability for timely payment of interest
and principal sums |
Unlimited |
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71-85 |
Aa |
Possesses adequate working
capital. No caution needed for credit transaction. It has above average
(strong) capability for payment of interest and principal sums |
Large |
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56-70 |
A |
Financial & operational
base are regarded healthy. General unfavourable factors will not cause fatal
effect. Satisfactory capability for payment of interest and principal sums |
Fairly Large |
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41-55 |
Ba |
Overall operation is
considered normal. Capable to meet normal commitments. |
Satisfactory |
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26-40 |
B |
Unfavourable & favourable
factors carry similar weight in credit consideration. Capability to overcome
financial difficulties seems comparatively below average/normal. |
Small |
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11-25 |
Ca |
Adverse factors are apparent.
Repayment of interest and principal sums in default or expected to be in
default upon maturity |
Limited with full security |
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<10 |
C |
Absolute credit risk exists.
Caution needed to be exercised |
Credit not recommended |
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NR |
In view of the lack of
information, we have no basis upon which to recommend credit dealings |
No Rating |
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