MIRA INFORM REPORT

 

 

Report Date :

13.03.2008

 

 

IDENTIFICATION DETAILS

 

Name :

UNIQUE BLUE CRYSTAL LLC

 

 

Registered Office :

580 5th Ave Ste 3101 New York, NY 10036-4701

 

 

Country :

United States

 

 

Date of Incorporation :

03/1998

 

 

Com. Reg. No.:

702457912

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Jewelry and Precious Stones

 

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

 

 

 

 

 

 

 

 

Company Information

 

 

UNIQUE BLUE CRYSTAL LLC
580 5TH AVE STE 3101
NEW YORK, NY 10036-4701
(212) 730-8008

Business Identification Number:

702457912

 File Established:

03/1998

SIC code: 

JEWELRY & PRECIOUS STONES WHLSNG - 5094

 

Executive Summary

 

 

  Intelliscore for UNIQUE BLUE CRYSTAL LLC

 

 

85.50

 

 

0-32.47

32.48-58.63

58.64-70.19

70.2-77.71

77.72-100

0

 

100

 

High risk

Low risk


LOW RISK
97% of businesses indicate a higher risk of becoming seriously delinquent than this business

Key score factors:

FEW, IF ANY, TRADES WITH A HIGH BAL TO HIGH CRED LIMIT RATIO

RATIO OF REGULARLY REPORTED TRADES TO TOTAL TRADES

FEW, IF ANY, SLOW PAYING ACCOUNTS

NUMBER OF CURRENT ACCOUNTS



  Current DBT range compared to all industries*

0 DBT
($700 Balance)

 

 

 

 

 

 

0-15

16-50

51+

80%

11%

9%

% of US businesses falling within DBT range

DBT Norms:
All industries: 8 DBT        Same industry: 5 DBT

 

 

 

 

 

Legal Filings and Collections

Bankruptcy filings:

0

Tax lien filings:

0

Judgment filings:

0

Total collections:

0

Sum of legal filings:

$0

UCC filings:

0

Cautionary UCC filings present?

No



Trade Information

Monthly average DBT:

0

Highest DBT previous 6 months:

0

Highest DBT previous 5 quarters:

0

Total continuous trades:

3

Current continuous trade balance:

$700

Trade balance of all trades (3):

$700

Average balance previous 5 quarters:

$640

Highest credit amount extended: details

$1,500

6 month balance range:

$600 - $1,600

* Days Beyond Terms (DBT) is a dollar weighted calculation of the average number of days that payment was made beyond the invoice due date based on trades on file that have been updated in the previous 3 months.

  7 month DBT trends

 

90+

60

30

 


0

 


0

 


0

 


0

 


0

 


0

 


0

 

0

Aug07

Sep07

Oct07

Nov07

Dec07

Jan08

Current

 

 

  Quarterly DBT trends (previous 5 quarters)

 

90+

60

30

 


0

 


0

 


0

 


0

 


0

 

0

 

4Q06

 

1Q07

 

2Q07

 

3Q07

 

4Q07

 

 

Performance Analysis

 

Predicted DBT for 05/07/2008: 1 DBT

Payment Trend Indication:
Are Stable

Industry payment comparison:
Has paid sooner than 50% of similar firms

Most Frequent Industry Purchasing Terms:
NET 30, CREDIT, and 0000000

 

Back to top

 

 

Trade Payment Information

 

 

Trade Payment Experiences
(Trade Lines With an (*) after date are newly reported)

Account Status
Days Beyond Terms

 

Business
Category

Date
Reported

Last
Sale

 

Payment
Terms

 

Recent
High
Credit

 

Balance

Cur

1-30

31-60

61-90

91+

Comments

+AIR TRANS

01/2008

 

 

 

$1,500

$700

100%

 

 

 

 

CUST 2 YR

 AIR TRANS

01/2008

 

NET 30

 

 

$0

 

 

 

 

 

CUST 3 YR

 WAREHOUSE

02/2008

12/2007

CREDIT

 

$100

$0

 

 

 

 

 

 

 

Trade Payment Totals

 

 

Trade Payment Experiences

Account Status
Days Beyond Terms

 

Type

Lines
Reported

 

 

 

Recent
High
Credit

 

Balance

Cur

1-30

31-60

61-90

91+

Comments

Continuously Reported

3

 

 

$1,600

$700

100%

 

 

 

 

DBT: 0

Newly Reported

0

 

 

 

 

 

 

 

 

 

DBT:  

Trade Lines Totals

3

 

 

$1,600

$700

100%

 

 

 

 

DBT: 0

Monthly Payment Trends

 

 

Payment Trends Analysis
JEWELRY & PRECIOUS STONES WHLSNG INDUSTRY SIC: 5094

Account Status
Days Beyond Terms

Date Reported

Industry

Cur

DBT

Business
DBT

Balance

Cur

1-30

31-60

61-90

91+

CURRENT

N/A

N/A

0

$700

 

100%

 

 

 

 

JAN08

88%

5

0

$700

 

100%

 

 

 

 

DEC07

89%

4

0

$700

 

98%

2%

 

 

 

NOV07

89%

4

0

$1,400

 

100%

 

 

 

 

OCT07

90%

4

0

$1,600

 

100%

 

 

 

 

SEP07

90%

4

0

$700

 

100%

 

 

 

 

AUG07

90%

4

0

$600

 

100%

 

 

 

 

 

Quarterly Payment Trends

 

 

Payment History - Quarterly Averages

Account Status
Days Beyond Terms

Quarter

Months

DBT

Balance

Cur

1-30

31-60

61-90

91+

Q4 - 07

OCT-DEC

0

$1,200

 

100%

 

 

 

 

Q3 - 07

JUL-SEP

0

$600

 

100%

 

 

 

 

Q2 - 07

APR-JUN

0

$400

 

100%

 

 

 

 

Q1 - 07

JAN-MAR

0

$0

 

 

 

 

 

 

Q4 - 06

OCT-DEC

0

$1,000

 

100%

 

 

 

 

 

Inquiries

 

 

  Summary of Inquiries

Business
Category

MAR08

FEB08

JAN08

DEC07

NOV07

OCT07

SEP07

AUG07

JUL07

CRED CARD

 

1

 

 

 

 

 

 

 

Totals

 

1

 

 

 

 

 

 

 

 

Company Background Information

 

 

  Additional Company Background Information

 

Key Personnel

Principal(s): 

BAVEN JHAVERY, OWNER


Operating Information

Primary SIC Code: JEWELRY & PRECIOUS STONES WHLSNG - 5094


Number of Employees: 5

Sales: $400,000

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

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

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

NR

In view of the lack of information, we have no basis upon which to recommend credit dealings

No Rating

 

 

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%)

 

 

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions