MIRA
INFORM REPORT
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Report Date : |
24.01.2007 |
IDENTIFICATION DETAILS
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Correct Name : |
BERLIA
COMPU SYSTEMS |
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Registered Office : |
28, |
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Country : |
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Financials (as on) : |
--- |
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Date of Incorporation : |
1995 |
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Legal Form : |
Sole
Proprietory Concern |
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Line of Business : |
Subject is a wholesale and retail outlet dealer and reseller in computer hardware, peripherals, media,
consumables and assembled systems of all the reputed companies |
RATING & COMMENTS
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MIRA’s Rating : |
Ba |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
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41-55 |
Ba |
Overall operation is considered normal.
Capable to meet normal commitments. |
Satisfactory |
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Maximum Credit Limit : |
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Status : |
Satisfactory |
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Payment Behaviour : |
Usually
correct |
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Litigation : |
Clear |
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Comments : |
Subject
is a well-established concern having satisfactory track. Trade relations are
fair. The concern is doing good business. Payments are usually correct and as
per commitments. The
concern can be considered normal for business dealings at usual trade terms
and conditions. |
LOCATIONS
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Registered Office / Warehouse/ Service
Centre/ Retail Outlet: |
28, |
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Tel. No.: |
91-33-22120287
/ 22120446 / 7, 22348100 / 1 |
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Fax No.: |
91-336-22120446 |
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E-Mail : |
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Website : |
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Area: |
3300
Sq. ft. |
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Location : |
Leased
- Commercial |
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Head
Office : |
P-3,
New |
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Tel.
No.: |
91-33-22360450 |
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Fax
No.: |
91-9831020662 |
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E-Mail
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Website : |
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Warehouse Adress: |
28, |
SOLE PROPRIETOR
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Name : |
Mr
Sanjay Agarwal |
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Designation : |
Proprietor |
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Address : |
28, |
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Date of Birth/Age : |
1967 |
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Qualification : |
B Com
(honours) |
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Experience : |
18
years |
KEY EXECUTIVES
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Name
: |
Mr
Manish Goel |
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Designation
: |
Executive |
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Address
: |
Ram
Kumar Arcade, |
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Tel
No: |
91-361-2604648
/ 4291 |
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Mobile
No: |
91-9864028171 |
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E-Mail
: |
BUSINESS DETAILS
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Line of Business : |
Subject is a wholesale and retail outlet dealer and reseller in
computer hardware, peripherals, media, consumables and assembled systems of
all the reputed companies |
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Agencies Held : |
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Exports to : |
Subject
does not export and mainly sells in local markets |
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Terms : |
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Selling : |
Credit,
Cash, Contract |
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Purchasing : |
Credit,
Cash, Contract |
GENERAL INFORMATION
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Suppliers : |
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Customers : |
End
Users |
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No. of Employees : |
40 |
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Bankers : |
ABN
Amro Bank PNB
House, 18-A, Biplabi Trailokya Maharaj Sarani (Formerly Brabourne Road)
Kolkata – 700001, west |
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Banking Relations : |
Satisfactory |
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Auditors : |
Bhura
and Company Chartered
Accountants |
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Address: |
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CAPITAL STRUCTURE
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Capital
Investment : |
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Owned : |
NA |
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Borrowed : |
NA |
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Total : |
NA |
FINANCIAL DATA
[all figures are in Rupees Millions]
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Particulars |
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Sales Turnover |
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550.000 |
LOCAL AGENCY FURTHER INFORMATION
PERFORMANCE
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Berlia Compu System at ONE STOP IT SHOPPE offers to fulfill all type IT
requirement of the customers for computers, printers, laptops, mobiles, digital
cameras, connections, of almost all the leading brands under one roof.
We after capturing the dealer segment in last one decade with two branch office
at Guwahati and Siliguri have come down to retailing business targeting all
type of retail customers and offering several scheme and promotions for our
customers.
Our main focus area would be to please customers to whom we can offer all type
of branded computers apart from assembled computers of customer’s choice.
We have been awarded as SAMSUNG SUPER STAR by Samsung in their IT foroum’2004
held at
We have also been awarded as BEST RESELLAR OF CALCUTTA by VAR India.
CMT REPORT [Corruption, Money laundering & Terrorism]
The Public
Notice information has been collected from various sources including but not
limited to: The Courts,
1] INFORMATION
ON DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions
involving their assets have been blocked or convicted, found guilty or against
whom a judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court
Declaration :
No records exist to suggest that subject is or was the subject of any
formal or informal allegations, prosecutions or other official proceeding for
making any prohibited payments or other improper payments to government
officials for engaging in prohibited transactions or with designated parties.
3] Asset
Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record
on Financial Crime :
Charges or conviction registered
against subject: None
5] Records
on Violation of Anti-Corruption Laws :
Charges or investigation registered
against subject: None
6] Records
on Int’l Anti-Money Laundering Laws/Standards :
Charges or investigation registered
against subject: None
7] Criminal
Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation
with Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation
Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA
INFORM as part of its Due Diligence do provide comments on Corporate Governance
to identify management and governance. These factors often have been predictive
and in some cases have created vulnerabilities to credit deterioration.
Our
Governance Assessment focuses principally on the interactions between a
company’s management, its Board of Directors, Shareholders and other financial
stakeholders.
CONTRAVENTION
Subject
is not known to have contravened any existing local laws, regulations or
policies that prohibit, restrict or otherwise affect the terms and conditions
that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US
Dollar |
1 |
Rs.44.23 |
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1 |
Rs.87.56 |
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Euro |
1 |
Rs.57.61 |
SCORE & RATING EXPLANATIONS
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SCORE FACTORS |
RANGE |
POINTS |
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HISTORY |
1~10 |
6 |
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PAID-UP CAPITAL |
1~10 |
6 |
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OPERATING SCALE |
1~10 |
6 |
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FINANCIAL CONDITION |
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--BUSINESS SCALE |
1~10 |
6 |
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--PROFITABILIRY |
1~10 |
6 |
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--LIQUIDITY |
1~10 |
6 |
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--LEVERAGE |
1~10 |
6 |
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--RESERVES |
1~10 |
6 |
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--CREDIT LINES |
1~10 |
6 |
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--MARGINS |
-5~5 |
-- |
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DEMERIT POINTS |
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--BANK CHARGES |
YES/NO |
YES |
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--LITIGATION |
YES/NO |
NO |
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--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
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MERIT POINTS |
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--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
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--EXPORT ACTIVITIES |
YES/NO |
NO |
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--AFFILIATION |
YES/NO |
NO |
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--LISTED |
YES/NO |
NO |
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--OTHER MERIT FACTORS |
YES/NO |
YES |
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TOTAL |
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54 |
This score serves as a reference to assess SC’s credit risk
and to set the amount of credit to be extended. It is calculated from a
composite of weighted scores obtained from each of the major sections of this
report. The assessed factors and their relative weights (as indicated through
%) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit
history (10%) Market
trend (10%) Operational
size (10%)
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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