MIRA
INFORM REPORT
|
Report Date : |
25.06.2008 |
IDENTIFICATION
DETAILS
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Name : |
ZACCATO LEONARDO |
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Registered Office : |
Via Delle Cinque Miglia - Z.i.,00042- Anzio(RM) |
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Country : |
Italy |
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Date of Incorporation : |
28.02.1995 |
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Legal Form : |
Sole Proprietorship |
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Line of Business : |
Rolling of Steel Strips. |
RATING &
COMMENTS
|
MIRA’s Rating : |
Ba |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
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Maximum Credit Limit : |
Eur 28.000 |
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Status : |
Good |
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Payment Behaviour : |
No Complaints |
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Litigation : |
Clear |
name & address
Zaccato Leonardo
Via Delle Cinque
Miglia - Z.i.,
00042 - Anzio (RM) -IT-
SUMMARY
|
Fiscal Code |
: |
ZCCLRD68A18C002A |
|
Legal Form |
: |
Sole proprietorship |
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Start of Activities |
: |
28/02/1995 |
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Turnover Range |
: |
750.000/1.000.000 Eur |
|
Number of Employees |
: |
from 1 to 5 |
CREDIT ANALYSIS
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CREDIT OPINION |
: |
28.000 - Eur |
|
Score |
: |
Risk normal |
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Creditworthness Rate |
: |
Good |
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Under the financial aspect a certain balance is reported which leads |
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to a credit with a very limited risk. |
ACTIVITY
Rolling of steel strips.
Wholesale of half-manufactured ferrous metals.
LEGAL DATA
Legal Form
: Sole proprietorship
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Fiscal Code
: ZCCLRD68A18C002A |
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Chamber of Commerce no. :
819331 of Roma since 19/09/1995 |
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V.A.T. Code
: 04811061003 |
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Start of Activities |
: 28/02/1995 |
MEMBERS
|
Zaccato |
Leonardo |
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Born in Cassano Allo Ionio |
(CS) |
on 18/01/1968 |
- Fiscal Code : ZCCLRD68A18C002A |
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Residence : |
Via |
Arenzano |
, 30 |
- 00048 |
Nettuno |
(RM) |
- 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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Via |
Delle Cinque Miglia - Z.i. |
- 00042 - |
Anzio |
(RM) |
- IT - |
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Trading Style: SIDERAM DI ZACCATO LEONARDO |
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Employees |
: 2 |
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Assistants |
: 1 |
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Fittings and Equipment |
for a value of
28.000 |
Eur |
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Stocks |
for a value of
57.000 |
Eur |
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
Long-established enterprise, which is operating on local market and in
the specific field for many years.
The cash stage enables the subject company to run its acitivity in a
regular way.
Constantly but slowly upward trend. Payment experiences gathered are
gratifying. It settles its engagments on fixed terms.
Contained indebtedness towards banks. Now and then, they exceed towards
suppliers, although managerial imbalance aren't registered. Sufficient
profitability.
No irregularities are registered.
Business connections are quite regular.
FINANCIAL DATA
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Complete balance-sheet for the year as at |
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(in Eur |
x 1 ) |
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Item Type |
Amount |
Source |
|
Sales |
929.622 |
estimated by our analyst |
CREDIT OPINION
On the basis of the above mentioned, and the sales volume obtained, we
deem that the maximum exposure for short and medium term transactions ( 90 -
120 days ) could be of:
28.000 .Eur.
MARKET / TERRITORY DATA
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Population living in the province |
: |
3.807.992 |
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Population living in the region |
: |
5.269.972 |
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Number of families in the region |
: |
2.091.220 |
Monthly family expences average in the region (in Eur.) :
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- per food products |
: |
472 |
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- per non food products |
: |
1.832 |
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- per energy consume |
: |
102 |
SECTOR DATA
The values are calculated on a base of 299 significant companies.
The companies cash their credits on an average of 122 dd.
The average duration of suppliers debts is about 140 dd.
The sector's profitability is on an average of 4,00%.
The labour cost affects the turnover in the measure of 13,78%.
Goods are held in stock in a range of 47 dd.
The difference between the sales volume and the resources used to
realize it is about 1,28.
The employees costs represent the 14,34% of the production costs.
STATISTICAL DETRIMENTAL DATA
Average values concerning the risk level as to the field the subject
operates into.
Risk rate recorded in the territory where the subject is placed:
average.
In the region 53.924 protested subjects are found; in the province they
count to 34.465.
The insolvency index for the region is 1,04, while for the province it
is 0,92.
Total Bankrupt companies in the province : 31.914.
Total Bankrupt companies in the region : 37.442.
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 |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Unfavourable & favourable factors carry similar weight in credit
consideration. Capability to overcome financial difficulties seems
comparatively below average. |
Small |
|
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 |
|
<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%)