MIRA
INFORM REPORT
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Report Date : |
15.06.2007 |
IDENTIFICATION DETAILS
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Name : |
Manuela Steffel |
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Registered Office : |
Poststrabe 12, A-4061 Pasching, |
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Country : |
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Date of Incorporation : |
1991 |
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Legal Form : |
Sole proprietorship |
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Line of Business : |
Retail sale of hardware, glass and do-it-yourself material and equipment Wholesale of construction materials and sanitary equipment |
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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Status : |
Satisfactory |
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Payment Behaviour : |
Slow but Correct |
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Litigation : |
Clear |
Basic company
information
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Company name: |
Manuela Steffel |
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Status: |
active company |
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Locations: |
Poststraße 12, A-4061 Pasching, (seit April 1999) |
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Phone: |
(7229) 71469 |
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Fax: |
(7229) 71460 |
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E-mail: |
office@fliesenparadies.at |
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Internet: |
http://www.fliesenparadies.at |
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Activities: |
Önace 524601 70% Retail sale of hardware, glass and do-it-yourself material and equip-ment |
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Önace 515303 30% Wholesale of construction materials and sanitary equipment |
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General Assessment: |
Rating 290 Very low risk The Rating of this company is better than industry average. |
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Recommendation We recommends to establish a business and credit relationship, and to benefit from arising business opportunities. |
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Detail Assessment: |
Payment 300 Merchandise is mainly imported. Domestic obligations are settled according to conditions, in some cases there have been delays and reminders. |
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Assessment 300 Financial situation is average. |
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Maximum credit EUR 5.000,00 |
Additional company
information
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Year of incorporation: |
1991 |
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Type of company: |
retail |
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Legal form: |
sole proprietorship since 1991-03-01 |
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Activities: |
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Trade names: |
FLIESENPARADIES |
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VAT number: |
ATU 22751804 |
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Import |
Country |
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Import |
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2007 |
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Financial data
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total turnover (total sales) |
2006 |
EUR 300.000,00 |
(estimated) |
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total turnover (total sales) |
2005 |
EUR 300.000,00 |
(approx.) |
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total turnover (total sales) |
2004 |
EUR 300.000,00 |
(approx.) |
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total turnover (total sales) |
2003 |
EUR 440.000,00 |
(approx.) |
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total turnover (total sales) |
2002 |
EUR 440.000,00 |
(approx.) |
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total employees |
2007 |
1 |
(approx.) |
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white collar workers |
2007 |
1 |
(approx.) |
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total stock |
2007 |
EUR 70.000,00 |
(average) |
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total company vehicles |
2007 |
1 |
(approx.) |
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cars |
2007 |
1 |
(approx.) |
Comment on Legal
Information:
Real estate:
Private data:
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Surname
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Date of birth
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Address
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Executive positions
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Further executive positions (as registered in the
companies' house) |
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Manuela Steffel |
1964-08-26 |
4030 |
proprietor, head of accounting |
0 |
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Gerhard Steffel
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1966-12-29
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4030 |
head of purchasing, head of sales, head of marketing, head of EDP, technical director
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0
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Locations
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Type |
Locations |
Description |
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operational |
Poststraße 12, A-4061 Pasching, (seit April 1999) |
registered headquarters, rented premises |
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office@fliesenparadies.at |
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former |
Kürnbergstraße 5, A-4061 Pasching, (seit April 1999) |
registered headquarters |
Bankers
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Banker |
Bank sort code |
Type of banking connection |
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Allgemeine Sparkasse Oberösterreich Bankaktienges., 4041
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20320
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main bank connection
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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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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%)