MIRA
INFORM REPORT
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Report Date : |
19.08.2008 |
IDENTIFICATION
DETAILS
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Name : |
CLAUDINE VALLEE
ENTREPRISE UNIPERSONNELLE A RESPONSABILITE LIMITEE |
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Registered Office : |
ZA DU Bon Rene
49750 Chanzeaux |
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Country : |
France |
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Financials (as on) : |
30.06.2007 |
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Date of Incorporation : |
10.01.1994 |
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Com. Reg. No.: |
94B00029, ANGERS |
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Legal Form : |
Single Member Private Limited Company |
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Line of Business : |
Non-Specialized Wholesale of Food, Beverages and Tobacco |
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 : |
EUR 6000 |
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Status : |
Satisfactory |
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Payment Behaviour : |
Regular |
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Litigation : |
Clear |
name & address
CLAUDINE VALLEE
ENTREPRISE UNIPERSONNELLE A RESPONSABILITE LIMITEE
ZA DU BON
RENE
49750 CHANZEAUX FR
Tel. Number
+33-2-41740101
Fax number
+33-2-41740140
Business founded
10 January 1994
Business registered
17 January 1994 - Single member private limited company
Registration number
94B00029, ANGERS,
party identification
393636048,
Legal form
Single member private limited company
Activities
Non-specialized wholesale of food, beverages and tobacco
Payment experience
Payment regular
Credit opinion
Normal creditworthiness
Maximum credit limit 6000 EUR is advised
The exportvolume in percentage of total sales for the
company. 43,88
Financial structure (balance sheet
analysis) : Good
Cash situation (balance sheet analysis) : Good
Profitability (balance sheet analysis) : Feeble
Commitments (regarding contractual
obligations) : Fulfilled („respectés“)
Payment defaults : None
Employees (Business)
6
Total share capital30 June 2007
EUR 80000
Bank
HSBC FR ANGERS CM ANGERS
Management
VALLEE CLAUDINE Shareholder and managing director
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The business owns or partly owns one or more pieces of land and
buildings? Yes(Property) |
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Turnover for the period: 00 0000 - 30 June 2007 in
EUR 732.924,00 |
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Not consolidated profit and loss turnover of the business: |
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Corporate
balance sheet for the year: 00 0000 - 30 June 2007 in
EUR |
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Total assets incl. prepaid expenses and accrued income |
1.071.618,- |
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Total fixed assets |
322.616,- |
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Total intangible fixed assets |
459,- |
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Concessions and industrial rights, goodwill |
459,- |
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Total tangible fixed assets |
318.857,- |
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Land and buildings |
277.718,- |
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Plant, machinery and equipment |
12.147,- |
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Total financial fixed assets |
3.300,- |
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Total Current assets |
749.001,- |
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Inventories and work in progress (incl. prepayments) |
258.129,- |
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Accounts receivable (trade) |
189.611,- |
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Investments (short-term) |
122.395,- |
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Cash in hand and at bank |
128.942,- |
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Total accrued income and prepaid expenses |
12.637,- |
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Total equity, provisions, liabilities, accrued expenses and deferred
income |
1.071.618,- |
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Total equity (Shareholders' funds) |
578.199,- |
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Issued (subscribed) capital |
80.000,- |
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Legal reserves |
8.000,- |
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Profit or loss for the previous year |
44.723,- |
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Profit or loss for the financial year |
3.870,- |
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Total liabilities |
493.415,- |
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Total long-term liabilities |
323.174,- |
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Long-term Loans, Mortgage debts |
151.786,- |
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Long-term liabilities to credit institutions |
171.388,- |
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Total current liabilities |
170.241,- |
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Current accounts payable (trade) |
121.250,- |
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Income and social tax liabilities |
44.704,- |
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Borrowing ratio |
85,34 % |
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Current ratio |
439,97 % |
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Debt gearing |
55,89 % |
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Profit margin. |
1,25 % |
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Quick ratio |
288,34 % |
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Return on assets |
0,86 % |
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Return on equity. |
0,67 % |
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Solidity or equity ratio |
53,96 % |
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Corporate profit
and loss account for the year: 00 0000 - 30 June 2007 in
EUR |
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Total operating income/revenue |
739.019,- |
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Main revenue (sales/turnover) |
732.924,- |
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Total operating expenses |
729.832,- |
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Cost of materials (type of expenditure format) |
237.644,- |
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Personnel costs |
139.842,- |
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Depreciation |
60.762,- |
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Operating profit or loss |
9.187,- |
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Financial income |
1.246,- |
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Financial expenses |
7.243,- |
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Result of ordinary operations |
3.190,- |
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Extraordinary income |
1.324,- |
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Extraordinary result |
1.324,- |
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Pre-tax and pre-appropriation profit or loss |
3.190,- |
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Taxes |
641,- |
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Net profit or loss |
3.870,- |
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Turnover for the period: 00 0000 - 30 June 2006 in
EUR 842.546,00 |
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Not consolidated profit and loss turnover of the business: |
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Corporate
balance sheet for the year: 00 0000 - 30 June 2006 in
EUR |
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Total assets incl. prepaid expenses and accrued income |
1.071.476,- |
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Total fixed assets |
370.734,- |
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Total intangible fixed assets |
1.783,- |
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Concessions and industrial rights, goodwill |
1.783,- |
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Total tangible fixed assets |
365.651,- |
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Land and buildings |
310.854,- |
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Plant, machinery and equipment |
15.349,- |
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Total financial fixed assets |
3.300,- |
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Total Current assets |
700.741,- |
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Inventories and work in progress (incl. prepayments) |
246.513,- |
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Accounts receivable (trade) |
193.421,- |
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Investments (short-term) |
23.320,- |
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Cash in hand and at bank |
164.907,- |
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Total accrued income and prepaid expenses |
7.550,- |
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Total equity, provisions, liabilities, accrued expenses and deferred
income |
1.071.476,- |
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Total equity (Shareholders' funds) |
635.654,- |
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Issued (subscribed) capital |
80.000,- |
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Legal reserves |
8.000,- |
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Profit or loss carried forward |
432,- |
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Profit or loss for the previous year |
135.030,- |
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Profit or loss for the financial year |
44.723,- |
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Total liabilities |
435.821,- |
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Total long-term liabilities |
298.088,- |
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Long-term Loans, Mortgage debts |
109.330,- |
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Long-term liabilities to credit institutions |
188.758,- |
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Total current liabilities |
137.732,- |
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Current accounts payable (trade) |
95.371,- |
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Income and social tax liabilities |
33.972,- |
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Borrowing ratio |
68,56 % |
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Current ratio |
508,77 % |
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Debt gearing |
46,89 % |
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Profit margin. |
6,92 % |
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Quick ratio |
329,79 % |
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Return on assets |
5,44 % |
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Return on equity. |
7,04 % |
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Solidity or equity ratio |
59,33 % |
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Corporate profit
and loss account for the year: 00 0000 - 30 June 2006 in
EUR |
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Total operating income/revenue |
860.503,- |
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Main revenue (sales/turnover) |
842.546,- |
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Total operating expenses |
802.225,- |
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Cost of materials (type of expenditure format) |
273.269,- |
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Personnel costs |
161.464,- |
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Depreciation |
60.551,- |
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Operating profit or loss |
58.277,- |
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Financial income |
183,- |
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Financial expenses |
7.694,- |
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Result of ordinary operations |
50.766,- |
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Extraordinary income |
5.355,- |
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Extraordinary expenses |
370,- |
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Extraordinary result |
4.984,- |
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Pre-tax and pre-appropriation profit or loss |
50.766,- |
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Taxes |
11.028,- |
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Net profit or loss |
44.723,- |
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Turnover for the period: 00 0000 - 30 June 2005 in
EUR 1.086.202,00 |
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Not consolidated profit and loss turnover of the business: |
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Corporate
balance sheet for the year: 00 0000 - 30 June 2005 in
EUR |
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Total assets incl. prepaid expenses and accrued income |
1.196.351,- |
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Total fixed assets |
399.439,- |
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Total intangible fixed assets |
3.108,- |
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Concessions and industrial rights, goodwill |
3.108,- |
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Total tangible fixed assets |
394.530,- |
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Land and buildings |
330.250,- |
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Plant, machinery and equipment |
22.255,- |
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Total financial fixed assets |
1.800,- |
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Total Current assets |
796.912,- |
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Inventories and work in progress (incl. prepayments) |
221.880,- |
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Accounts receivable (trade) |
340.656,- |
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Investments (short-term) |
64.320,- |
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Cash in hand and at bank |
99.443,- |
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Total accrued income and prepaid expenses |
4.853,- |
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Total equity, provisions, liabilities, accrued expenses and deferred
income |
1.196.351,- |
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Total equity (Shareholders' funds) |
652.149,- |
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Issued (subscribed) capital |
80.000,- |
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Legal reserves |
8.000,- |
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Profit or loss for the financial year |
135.030,- |
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Total liabilities |
544.202,- |
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Total long-term liabilities |
282.061,- |
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Long-term Loans, Mortgage debts |
76.364,- |
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Long-term liabilities to credit institutions |
205.697,- |
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Total current liabilities |
262.138,- |
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Current accounts payable (trade) |
158.156,- |
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Income and social tax liabilities |
57.358,- |
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Borrowing ratio |
83,45 % |
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Current ratio |
304,00 % |
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Debt gearing |
43,25 % |
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Profit margin. |
17,35 % |
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Quick ratio |
219,36 % |
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Return on assets |
15,75 % |
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Return on equity. |
20,71 % |
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Solidity or equity ratio |
54,51 % |
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Corporate profit
and loss account for the year: 00 0000 - 30 June 2005 in
EUR |
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Total operating income/revenue |
1.090.959,- |
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Main revenue (sales/turnover) |
1.086.202,- |
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Total operating expenses |
902.514,- |
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Cost of materials (type of expenditure format) |
393.160,- |
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Personnel costs |
158.094,- |
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Depreciation |
36.506,- |
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Operating profit or loss |
188.444,- |
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Financial income |
1.969,- |
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Financial expenses |
2.273,- |
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Result of ordinary operations |
188.140,- |
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Extraordinary income |
6.596,- |
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Extraordinary expenses |
2.140,- |
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Extraordinary result |
4.456,- |
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Pre-tax and pre-appropriation profit or loss |
188.140,- |
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Taxes |
57.566,- |
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Net profit or loss |
135.030,- |
FOREIGN EXCHANGE
RATES
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Currency |
Unit
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Indian Rupees |
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US Dollar |
1 |
Rs.43.23 |
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UK Pound |
1 |
Rs.80.89 |
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Euro |
1 |
Rs.63.80 |
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. |
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%)