MIRA
INFORM REPORT
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Report Date : |
02.05.2007 |
IDENTIFICATION DETAILS
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Name : |
RIA ENVIA, INC. |
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Registered Office : |
13850 |
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Country : |
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Date of Incorporation : |
23/12/1988 |
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Legal Form : |
Corporation
Private |
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Line of Business : |
Engaged as a provider
of money transfers, bill payments, money orders and check cashing services. |
RATING & COMMENTS
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MIRAs 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 : |
Regular |
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Litigation : |
Clear |
IDENTIFICATION &
EXECUTIVE SUMMARY
Company Name: RIA ENVIA, INC.
Address: 13850
City:
State/Province:
Zip Code: 90703
Country: UNITED
STATES
Telephone: 562
345-2100
Facsimile: 562
345-2685
As of:
Sales / Revenue:
Net Income:
Total Equity:
Legal Form: Corporation
- Private
Website: www.riafinancial.com
Maj.
Shareholder: Euronet Worldwide Inc.
Business Activity: RIA ENVIA, INC. is engaged as a
provider of money transfers, bill payments, money
orders and
check cashing services.
NOTE TO CLIENT
The information in
this report was provided by Mr. James Goodell, Credit Manager. A written
request for additional information has been faxed to the subject company. If a
response is received this report will be updated immediately.
REQUESTED NAME (OLD
NAME): RIA FINANCIAL SERVICES
CURRENT LEGAL
NAME: RIA ENVIA, INC.
NOTE: The requested address;
LEGAL
Legal Form: Corporation -
Private
Since (D/M/Y): 23/12/1988
State/Province of
Incorporation: NY
Status: ACTIVE
Previous Legal Form:
Company is NOT
required to publish an annual financial report.
*No regstration was
found with the California Secretary of State at the time of this report.* The
subject is Incorporated with the New York Secretary of State Offices:
Current Entity Name:
RIA ENVIA, INC.
Initial DOS Filing
Date: DECEMBER 23, 1988
County:
Jurisdiction:
Entity Type: DOMESTIC BUSINESS CORPORATION
Current Entity
Status: ACTIVE
Selected Entity
Address Information DOS Process (Address to which DOS will mail process if
accepted on behalf of the entity)
RIA ENVIA, INC.
Principal Executive Office
RIA ENVIA, INC.
13825
SUITE C
Registered Agent
CLARA DEL RISCO,
ESQ.
RIA
TELECOMMUNICATIONS OF NY
Managers/Key Personnel
Mr. Juan
Bianchi Chief
Executive Officer
OWNERS
Euronet Worldwide
Inc. % Majority
AFFILIATED ENTITIES
Select subsidiaries
of the parent company are listed below:
EFT Services Holding B.V.
Euronet Banktechnikai Szolgaltato Kft.
Euronet Adminisztracios Szolgaltato Kft.
e-pay Limited,
Delta Euronet GmbH,
Euronet e-pay Spain S.L.
EWI Foreign Holdings Limited
Euronet Essentis Limited
e-pay Malaysia Sdn Bhd
ATX, Ltd.
Euronet Services LLC
Euronet Middle East W.L.L.
Jiayintong (
Parent Companies
Parent Company: Euronet Worldwide Inc.
UNITED STATES
Telephone: 913-327-4200
The parent company
is traded publicly on the NASDAQ under the symbol (EEFT). The recent trading
price of the stock is US$ 27.39 with a 52 week range between $ 38.70 and $
23.34. There are approximately 48,154,000 shares outstanding.
52
WEEKS 52 WEEKS
(in thousands of US Dollars) 31-Dec-2006 31-Dec-2005
Total Current Assets $688,471 $508,943
Total Assets $1,108,139 $894,352
Total Current Liabilities $404,110 $327,323
Total Liabilities $819,824 $687,999
Total Equity $288,315 $206,353
Global Net Sales $629,181 $531,159
Cost Of Goods Sold $509,732 $424,498
Gross Result $119,449 $106,661
Net Incomes/Loss Of The Year $46,307 $27,375
BANKS
CALIFORNIA BANK
& TRUST
LOS ANGELES CA 90071
Telephone: (714)
848-1234
Facsimile: (714)
848-4904
Account Number:
Account Manager:
Listed as a secured party.
Requires an account number which could not be obtained at the time of this
report.
PAYMENT HISTORY
BUSINESS
DATE LAST PAYMENT CREDIT BALANCE
CUR 1- 31- 61-
CATEGORY
REPTD
---------- ----- ----- ------- --------
-------- --- --- --- --- --- --------
BUS SERVCS 07-04 00-00 NET 30 100
0 0 0
0 0 0
PACKAGING
07-04 06-12 NET 30 0 0
0 0 0
0 0 CUST
2 YR
PLUMBING
06-12 05-03 NET30 0 0
0 0 0
0 0 CUST
3 YR
SERVICES
07-03 07-03 NET 01 416800 356700
0 100 0 0
0 CUST 7 YR
CURRENT QUARTER 416900 356700
0 100 0 0 0
Payment Trends
INDUSTRY BUSINESS BALANCE
CUR 1- 31- 61-
DATE
CUR DBT DBT $ %
30 60 90 91+
--------
--- --- --- -------- --- --- --- --- ---
20070400
0 13 15 356700 0
100 0 0 0
20070300
0 10
15 163300 0
100 0 0 0
20070200
0 9 15 416900 0
100 0 0 0
20070100
0 7 15 61200 0
99 1 0 0
20061200
0 8 15 215200 0
100 0 0 0
20061100
0 8 15 210100 0
100 0 0 0
Payment History - Quarterly Averages
BALANCE CUR 1- 31- 61-
QUARTER
YEAR DBT $ %
30 60 90 91+
-------- ------ --- -------- --- --- --- --- ---
First
2007 15 312300 0
100 0 0 0
Fourth
2006 15 162200 0
100 0 0 0
Third
2006 15 24700 0
100 0 0 0
Second
2006 0 0 0
0 0 0 0
First
2006 15 97100 0
100 0 0 0
FINANCIAL INFORMATION
No financial figures
regarding the subject company could be obtained directly from management or
from outside sources at the time of this report.
CURRENT OPERATIONS
NAICS Code: 52232
Financial Transactions Processing, Reserve, and Cl
SIC Code: 6099
Business Activity:
RIA ENVIA, INC. is
engaged as a provider of money transfers, bill payments, money orders and check
cashing services. The headquarters and sole location for the subject company is
at the heading address. Affiliated entities are located at the following
addresses:
RIA Australia
+61-2960-14444
2170
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RIA Spain
+34 91 761 3760
Plaza de las Cortes
#4
28014
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RIA Italy
+39 069 77 4585
Via del Seminario
#118
00186 Roma
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RIA England
+44 207 224 5730
W1U 6RE
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RIA France
+33 140 39 9692
132-134 Rue
75002
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RIA Germany
+49 302 639 5860
Kurfurstenstrabe 33
10785
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RIA Dominican
Republic
(809) 508-0775
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RIA Switzerland
+41 22 731 9845
Rue Chantepoulet 1/3
1201 Genθve
--------------------------
RIA Sweden
+46 86797509
Birger Jarlsgatan
18a
11434
PUBLIC RECORD
No judgments or
bankruptcy filings were found. One lien was found which does not appear to have
impacted normal operations:
--------------------------------------------------------------------------------
Filing Number: 504265361394
Filing Date: 04/26/2005
Expiration Date: 04/26/2005
Filing Type: ORIGINAL
Filing Office: SECRETARY OF STATE/UCC DIVISION
DEBTOR INFORMATION
Debtor(s): RIA ENVIA, INC.
SECURED PARTY OR
CREDITOR INFORMATION
Secured Party(s): CALIFORNIA BANK & TRUST
LOS
COLLATERAL INFORMATION
Collateral Type: INVENTORY INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: ACCOUNT(S) INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: GENERAL INTANGIBLE(S) INCLUDING PROCEEDS AND
PRODUCTS
Collateral Type: COMPUTER EQUIPMENT INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: CONTRACT RIGHTS INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: CHATTEL PAPER INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: NEGOTIABLE INSTRUMENTS INCLUDING PROCEEDS AND
PRODUCTS
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Filing Number: A03004367292
Filing Type: STATE TAX LIEN
Filing Office:
Filing Date: 03/27/2003
DEBTOR INFORMATION
Debtor: RIA ENVIA INC
Debtor Type: BUSINESS
Tax Payer ID Number: 10-1608098
CREDITOR INFORMATION
Creditor: STATE OF
LIEN INFORMATION
Total Amount: 880
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Filing Number: 0012360571
Filing Date: 04/25/2000
Expiration Date: 04/25/2005
Total Number of
Pages: 2
Filing Type: FINANCING STATEMENT
DEBTOR INFORMATION
Debtor(s): RIA ENVIA, INC.
SECURED PARTY OR CREDITOR INFORMATION
Secured Party(s): UNION BANK OF
POB
30115
LOS
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Filing Number: 1010015
Filing Date: 01/16/2001
Filing Type: ORIGINAL
Filing Office: SECRETARY OF STATE/UCC DIVISION
DEBTOR INFORMATION
Debtor(s): RIA ENVIA, INC.
SECURED PARTY OR CREDITOR
INFORMATION
Secured Party(s): UNION BANK OF
P.O.
LOS
COLLATERAL
INFORMATION
Collateral Type: ALL ACCOUNT(S) INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: ALL CHATTEL PAPER INCLUDING PROCEEDS AND
PRODUCTS
Collateral Type: ALL CONTRACT RIGHTS INCLUDING PROCEEDS AND
PRODUCTS
Collateral Type: ALL GENERAL INTANGIBLE(S) INCLUDING PROCEEDS
AND PRODUCTS
Collateral Type: ALL EQUIPMENT INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: ALL INVENTORY INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: ALL FIXTURES INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: ALL FARM PRODUCTS/CROPS INCLUDING PROCEEDS AND
PRODUCTS
Collateral Type: ALL TIMBER INCLUDING PROCEEDS AND
PRODUCTS
Collateral Type: ALL OIL, GAS AND MINERALS
INCLUDING PROCEEDS AND PRODUCTS
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Filing Number: 410275901204
Filing Date: 10/27/2004
Expiration Date: 10/27/2004
Filing Type: ORIGINAL
Contract Type: LEASE
Filing Office: SECRETARY OF STATE/UCC DIVISION
DEBTOR INFORMATION
Debtor(s): RIA ENVIA, INC.
SECURED PARTY OR
CREDITOR INFORMATION
Secured Party(s): ZIONS CREDIT CORPORATION
COLLATERAL
INFORMATION
Collateral Type: LEASED COMMUNICATIONS EQUIPMENT
Manufacturer: MFG NOT AVAILABLE
Quantity: 0000A
--------------------------------------------------------------------------------
Filing Number: 410275901204
Filing Date: 10/27/2004
Expiration Date: 10/27/2004
Filing Type: ORIGINAL
Filing Office: SECRETARY OF STATE/UCC DIVISION
DEBTOR INFORMATION
Debtor(s): RIA ENVIA, INC.
SECURED PARTY OR
CREDITOR INFORMATION
Secured Party(s): ZIONS CREDIT CORPORATION
COLLATERAL
INFORMATION
Collateral Type: LEASED COMMUNICATIONS EQUIPMENT
--------------------------------------------------------------------------------
Filing Number: 411031106181
Filing Date: 11/03/2004
Expiration Date: 11/03/2004
Filing Type: ORIGINAL
Filing Office: SECRETARY
OF STATE/UCC DIVISION
DEBTOR INFORMATION
Debtor(s): RIA ENVIA, INC.
SECURED PARTY OR
CREDITOR INFORMATION
Secured Party(s): UNION BANK OF
P.O.
LOS
COLLATERAL
INFORMATION
Collateral Type: ACCOUNT(S) INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: CHATTEL PAPER INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: CONTRACT RIGHTS INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: GENERAL INTANGIBLE(S) INCLUDING PROCEEDS AND
PRODUCTS
Collateral Type: EQUIPMENT INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: INVENTORY INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: FIXTURES INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: FARM PRODUCTS/CROPS INCLUDING PROCEEDS AND
PRODUCTS
Collateral Type: TIMBER INCLUDING PROCEEDS AND PRODUCTS
Collateral Type: OIL, GAS AND MINERALS INCLUDING PROCEEDS AND
PRODUCTS
GENERAL COMMENTS
RIA ENVIA, INC. is
well established with operations dating from 1988. Payments appear to be made
on time. The operation history revealed one lien which does not appear to have
impacted normal operations. The subject is considered to be responsible for normal
business transactions at this time.
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 SCs 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%)