MIRA
INFORM REPORT
|
Report Date : |
02.05.2008 |
IDENTIFICATION
DETAILS
|
Name : |
AGRA INFORMA LIMITED |
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Registered Office : |
Mortimer Street, 37-41 Mortimer Street, London, WT 3JH |
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Country : |
United Kingdom |
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Financials (as on) : |
31.12.2006 |
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Date of Incorporation : |
09.01.1963 |
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Com. Reg. No.: |
00746465 |
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Legal Form : |
Private Limited Liability Company (GB) |
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Line of Business : |
Business Information Bulletin Publishers. |
RATING &
COMMENTS
|
MIRA’s Rating : |
Aa |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
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 |
|
Maximum Credit Limit : |
GBP 1,434,900 |
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Status : |
Very Good |
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Payment Behaviour : |
Regular |
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Litigation : |
Clear |
Company Identification Details
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Subject Reported on |
AGRA INFORMA LIMITED |
|
Holding Company |
Informa Five Ltd |
|
Ultimate Holding Company |
I B C (TWELVE) LTD |
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Trading Address |
80 CALVERLEY RD,TUNBRIDGE WELLS,TN1 2UN |
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Telephone |
0207-177-500 |
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There is every confidence this company will prove good for the
assigned Credit Limit |
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Credit Limit |
GBP 1,434,900 |
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Selling to this company? The Credit Limit is the recommended maximum
outstanding debtor exposure at any one time. |
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Contract Limit |
GBP 11,804,600 |
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Buying from this company? The Contract Limit is the recommended
aggregate annual value for supply contracts. |
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Official Company Data
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|
Legal Form |
Private Limited Liability Company (GB) |
|
Registration Number |
00746465 |
|
Date of Incorporation |
09/01/1963 |
|
Registered Office |
Mortimer Street, 37-41 Mortimer Street, London, Wt 3JH |
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Date of Last Annual Return to Registry |
01/06/2007 |
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Activities |
Business information bulletin publishers. |
|
Accounts |
The last filed accounts cover the period to 31/12/2006 and were filed
on 16/07/2007 |
Recently Filed Documents
Details of the
most recent documents
|
Date Received |
Description |
|
01/06/2007 |
Annual Return |
|
31/12/2006 |
Financial Statement / Set of Accounts |
|
It should be noted that there is no legal requirement to file
satisfaction details of mortgages/charges at Companies House. |
Known Directors
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DIRECTOR |
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Occupation |
CHAIRMAN |
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Address |
APPLEDOWN HOUSE , THE CROFT , FAIRFORD , GLOS
, GL7 4BB |
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Country of Origin |
BRITISH |
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Date of Birth |
30/07/1955 |
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Appointment Date |
05/06/1991 |
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Other Appointments |
ACHIEVE LEARNING (UK)
LIMITED, AFTERHURST LIMITED, AGRA INFORMA LIMITED, AGROUP
LIMITED, AMATEUR CHARTIST LIMITED, ASHLEY PUBLICATIONS
LTD., BANKING TECHNOLOGY LIMITED, BARHAM LIMITED, BARHAM
PHOTOGRAPHIC LIMITED, BARHAM REORGANISATIONS LIMITED, BIOCOMMERCE
DATA LIMITED, BIOS SCIENTIFIC PUBLISHERS LIMITED, BMG ENGINEERING
(SWINDON) LIMITED, BML BUSINESS MEETINGS LIMITED, BRIAN TRODD
PUBLISHING HOUSE LIMITED, BROOKWOOD MEDICAL PUBLICATIONS
LIMITED, BUSINESS INSIGHTS LIMITED, BUSINESS RESEARCH INTERNATIONAL
LIMITED, BUSINESS REVIEW LIMITED, BUTLER DIRECT LIMITED, BUTLER
RESEARCH GROUP LIMITED, BUTLER RESEARCH LIMITED, BY LEGAL FOR LEGAL
LIMITED, CAVENDISH PUBLISHING LIMITED, CHORLEYWOOD CONSULTING
LIMITED, COMMUNICATIONS INTERNATIONAL LIMITED, COMPUTERWIRE
LIMITED, CORDIAL EVENTS LIMITED, CORPORATE COMMUNICATIONS
INTERNATIONAL LIMITED, DATAMONITOR LIMITED, DATAMONITOR SECRETARIES
LIMITED, DATAMONITOR TRUSTEE LIMITED, DAVID FULTON (PUBLISHERS)
LIMITED, DIGITAL MEDIA PUBLISHING LTD, DYP GROUP
LIMITED, EBENCHMARKERS LIMITED, ECUSTOMERSERVICEWORLD.COM
LIMITED, ELECTRIC WORD PLC, EUROPA PUBLICATIONS
LIMITED, EUROPEAN INTELLIGENCE LIMITED, EUROPEAN PHARMA LAW CENTRE
LIMITED, EVANDALE HOLDINGS LIMITED, EVANDALE PUBLISHING
LIMITED, FALMER PRESS LIMITED, FINANCE OVER 50 LIMITED , FRANK
CASS & CO. LIMITED, GROSVENOR PRESS (HOLDINGS)
LIMITED, GROSVENOR PRESS INTERNATIONAL LIMITED, HAMPTON PUBLISHING
LIMITED, I.I.R. LIMITED (only 1st 50 directorships shown) |
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DIRECTOR |
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Occupation |
COMPANY DIRECTOR |
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Address |
FAIRHALL , FIELDEN LANE , CROWBOROUGH , EAST SUSSEX
, TN6 1TL |
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Country of Origin |
BRITISH |
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Date of Birth |
16/04/1947 |
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Appointment Date |
05/06/1991 |
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Other Appointments |
AGRA CEAS CONSULTING LIMITED, AGRA INFORMA LIMITED, AGROUP
LIMITED, EUROPEAN INTELLIGENCE LIMITED, INFORMA HOLDINGS
LIMITED, INTERNATIONAL MEDIA LIMITED, THE FOODNEWS COMPANY LIMITED |
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DIRECTOR |
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Occupation |
EDITOR |
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Address |
115, ERSKINE PARK ROAD RUSTHALL , TUNBRIDGE WELLS
, KENT , TN4 8UG |
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Country of Origin |
BRITISH |
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Date of Birth |
19/01/1963 |
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Appointment Date |
01/01/1995 |
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Other Appointments |
AGRA INFORMA LIMITED |
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DIRECTOR |
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Occupation |
CHARTERED ACCOUNTANT |
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Address |
LANDSCAPES RISE , CROSS LANE TICEHURST , WADHURST
, EAST SUSSEX , TN5 7HQ |
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Country of Origin |
BRITISH |
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Date of Birth |
19/04/1944 |
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Appointment Date |
16/06/2000 |
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Other Appointments |
AGRA CEAS CONSULTING LIMITED, AGRA INFORMA LIMITED, FITZROY
COURT MANAGEMENT COMPANY LIMITED |
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DIRECTOR |
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Occupation |
DIRECTOR |
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Address |
94, LONGHAM COPSE DOWNSWOOD , MAIDSTONE , KENT
, ME15 8TW |
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Country of Origin |
BRITISH |
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Date of Birth |
07/09/1971 |
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Appointment Date |
17/07/2001 |
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Other Appointments |
AGRA INFORMA LIMITED |
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DIRECTOR |
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Occupation |
GENERAL COUNSEL LAWYER |
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Address |
MORTIMER HOUSE 37-41, MORTIMER STREET , LONDON
, W1T 3JH |
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Country of Origin |
BRITISH |
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Date of Birth |
17/01/1965 |
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Appointment Date |
01/07/2006 |
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Other Appointments |
ACHIEVE LEARNING (UK)
LIMITED, AFTERHURST LIMITED, AGRA INFORMA LIMITED, AGROUP
LIMITED, AMATEUR CHARTIST LIMITED, ASHLEY PUBLICATIONS
LTD., BANKING TECHNOLOGY LIMITED, BARHAM LIMITED, BARHAM
PHOTOGRAPHIC LIMITED, BARHAM REORGANISATIONS LIMITED, BIOCOMMERCE
DATA LIMITED, BIOS SCIENTIFIC PUBLISHERS LIMITED, BMG ENGINEERING
(SWINDON) LIMITED, BML BUSINESS MEETINGS LIMITED, BRIAN TRODD
PUBLISHING HOUSE LIMITED, BROOKWOOD MEDICAL PUBLICATIONS
LIMITED, BUSINESS INSIGHTS LIMITED, BUSINESS RESEARCH INTERNATIONAL
LIMITED, BUSINESS REVIEW LIMITED, BUTLER DIRECT
LIMITED, BUTLER RESEARCH GROUP LIMITED, BUTLER RESEARCH
LIMITED, BY LEGAL FOR LEGAL LIMITED, CAVENDISH PUBLISHING
LIMITED, CHORLEYWOOD CONSULTING LIMITED, COMMUNICATIONS
INTERNATIONAL LIMITED, COMPUTERWIRE LIMITED, CORDIAL EVENTS
LIMITED, CORPORATE COMMUNICATIONS INTERNATIONAL
LIMITED, DATAMONITOR LIMITED, DATAMONITOR SECRETARIES
LIMITED, DATAMONITOR TRUSTEE LIMITED, DAVID FULTON (PUBLISHERS)
LIMITED, DIGITAL MEDIA PUBLISHING LTD, DYP GROUP
LIMITED, EBENCHMARKERS LIMITED, ECUSTOMERSERVICEWORLD.COM
LIMITED, EUROPA PUBLICATIONS LIMITED, EUROPEAN PHARMA LAW CENTRE
LIMITED, EVANDALE HOLDINGS LIMITED, EVANDALE PUBLISHING
LIMITED, FALMER PRESS LIMITED, FIVE-ONE-FIVE LIMITED, FRANK
CASS & CO. LIMITED, GREENBOTTLE LIMITED, GROSVENOR PRESS
(HOLDINGS) LIMITED, GROSVENOR PRESS INTERNATIONAL LIMITED, HAMPTON
PUBLISHING LIMITED, I.I.R. LIMITED, IBC (CONFERENCES &
PUBLISHING) LIMITED (only 1st 50 directorships shown) |
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DIRECTOR |
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Occupation |
FINANCE DIRECTOR |
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Address |
MOLIVER HOUSE 15, OAKLEY ROAD BROMHAM , BEDFORD
, MK43 8HY |
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Country of Origin |
BRITISH |
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Date of Birth |
26/09/1967 |
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Appointment Date |
28/03/2008 |
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Other Appointments |
ACHIEVE LEARNING (UK)
LIMITED, AFTERHURST LIMITED, AGRA CEAS CONSULTING
LIMITED, AGRA INFORMA LIMITED, AGROUP LIMITED, AIRE BUS
LIMITED, AMATEUR CHARTIST LIMITED, ASHLEY PUBLICATIONS
LTD., BANKING TECHNOLOGY LIMITED, BARHAM LIMITED, BARHAM
PHOTOGRAPHIC LIMITED, BUTLER DIRECT LIMITED, BUTLER RESEARCH GROUP
LIMITED, BUTLER RESEARCH LIMITED, BY LEGAL FOR LEGAL LIMITED, CALEDONIAN
EXPRESS LIMITED, CAVENDISH PUBLISHING LIMITED, CHORLEYWOOD
CONSULTING LIMITED, COMMUNICATIONS INTERNATIONAL
LIMITED, COMPUTERWIRE LIMITED, CORDIAL EVENTS
LIMITED, CORPORATE COMMUNICATIONS INTERNATIONAL
LIMITED, DATAMONITOR LIMITED, DATAMONITOR SECRETARIES
LIMITED, DATAMONITOR TRUSTEE LIMITED, DAVID FULTON (PUBLISHERS)
LIMITED, DIGITAL MEDIA PUBLISHING LTD, DYP GROUP
LIMITED, EBENCHMARKERS LIMITED, ECUSTOMERSERVICEWORLD.COM
LIMITED, EUROPA PUBLICATIONS LIMITED, EUROPEAN PHARMA LAW CENTRE
LIMITED, EVANDALE HOLDINGS LIMITED, EVANDALE PUBLISHING
LIMITED, FALMER PRESS LIMITED, FIVE-ONE-FIVE
LIMITED, FLIGHTLINK LIMITED, FRANK CASS & CO.
LIMITED, GREAT NORTHERN RAIL LIMITED, GROSVENOR PRESS (HOLDINGS)
LIMITED, GROSVENOR PRESS INTERNATIONAL LIMITED, HAMPTON PUBLISHING
LIMITED, IBC (CONFERENCES & PUBLISHING) LIMITED, INTER-CAPITAL
AND REGIONAL RAIL LIMITED, LONDON CRUSADER LIMITED, LTS RAIL
LIMITED, MONARCH COACHES LIMITED, NATIONAL CRUSADER
LIMITED, NATIONAL EXPRESS INVESTMENTS LIMITED, NATIONAL EXPRESS
MANAGEMENT SERVICES LIMITED (only 1st 50 directorships shown) |
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SECRETARY |
MS JULIE WILSON |
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Address |
62 MILL ROAD, , LEIGHTON BUZZARD , BEDFORDSHIRE
, LU7 1AX |
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Country of Origin |
BRITISH |
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Appointment Date |
04/02/2008 |
Recently Resigned Directors (last
3)
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DIRECTOR |
DAVID STUART GILBERTSON |
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Occupation |
COMPANY DIRECTOR |
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Address |
CASA MARIA , SPANIARD'S END , LONDON , - - |
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Country of Origin |
BRITISH |
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Date of Birth |
21/09/1956 |
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Resignation Date |
20/03/2008 |
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DIRECTOR |
ANTHONY MARTIN FOYE |
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Occupation |
DIRECTOR |
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Address |
LYNWOOD , WHITE LANE , TADLEY , HANTS , - - |
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Country of Origin |
BRITISH |
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Date of Birth |
24/07/1962 |
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Resignation Date |
31/12/2007 |
|
DIRECTOR |
GUY MALCOLM GUSTAVUS FAULKNER |
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Occupation |
COMPANY DIRECTOR |
|
Address |
1 , FERNDALE GARDENS , TUNBRIDGE WELLS , KENT
, - - |
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Country of Origin |
BRITISH |
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Date of Birth |
19/03/1941 |
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Resignation Date |
31/03/2006 |
Share Summary
|
Share Currency: |
GBP |
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Priniciple Shareholders: |
Type Of Share |
No. of Shares |
Value |
Voting %age |
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|
|
|
|
|
INFORMA FIVE LTD |
ORD |
1,500 |
1,500.00 |
100.00 |
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|
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Mortgages and Charges
|
|
|
|
Total Registered |
2 |
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Total Outstanding |
0 |
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Total Satisfied |
2 |
|
Most Recent Mortgage |
22/11/1990 |
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|
|
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Date Created |
22/11/1990 |
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Lender |
MORGAN GUARANTY TRUST COMPANY OF NEW YORK |
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Secured On |
ALL MONIES - MULTIPLE |
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Satisfied? |
Fully |
|
|
|
|
Date Created |
22/11/1990 |
|
Lender |
HILL SAMUEL BANK LIMITED |
|
Secured On |
ALL MONIES - MULTIPLE |
|
Satisfied? |
Fully |
|
|
|
|
Date Created |
10/01/1983 |
|
Satisfied? |
Fully |
Public Record Information
Summary of
CCJ's/Scottish Decrees
There are no unsatisfied CCJs against the company.
Operations
|
|
|
|
Activities |
Business information bulletin publishers. |
|
Sic Code |
Description |
|
7484 |
Other business activities not elsewhere classified |
|
2213 |
Publishing of journals and periodicals |
|
Staff Employed |
55 |
|
Auditors |
Deloitte & Touche LLP |
|
Auditors Notes |
No Qualification. The Auditors have expressed a clean opinion (i.e.
unqualified with no referrals) on the latest accounts. |
|
Bankers |
Barclays Bank PLC |
|
Sort Codes |
208813 |
Financial Data
Profit and Loss
|
Number of Weeks |
52 |
52 |
52 |
52 |
|
Accounts Date |
31/12/2006 |
31/12/2005 |
31/12/2004 |
31/12/2003 |
|
Currency |
GBP |
GBP |
GBP |
GBP |
|
Units |
units |
units |
units |
units |
|
Consolidated? |
No |
No |
No |
No |
|
SALES |
9,397,722 |
8,383,310 |
10,889,944 |
11,261,267 |
|
Export Sales |
7,754,522 |
6,672,111 |
- |
7,527,196 |
|
Cost of goods sold |
5,636,051 |
5,409,530 |
7,549,705 |
7,657,950 |
|
GROSS PROFIT |
3,761,671 |
2,973,780 |
3,340,239 |
3,603,317 |
|
General administration costs (-) |
1,744,948 |
2,140,669 |
2,135,821 |
2,185,609 |
|
Wages and Salaries |
3,547,067 |
3,139,798 |
3,600,716 |
3,959,215 |
|
Depreciation |
245,248 |
270,789 |
347,510 |
399,458 |
|
Net Operating Profit(Loss) |
2,016,723 |
833,111 |
1,204,418 |
1,417,708 |
|
Non Trading Income |
1,129 |
740,799 |
21,347 |
28 |
|
Group Non Trading Income |
821,239 |
94,500 |
644,594 |
416,924 |
|
Total Non Trading Income |
822,368 |
878,253 |
665,941 |
419,087 |
|
Other financial charges |
45,930 |
- |
1,238 |
72,127 |
|
Financial Expenses |
45,930 |
24,412 |
3,894 |
72,316 |
|
PRE TAX PROFIT |
2,793,161 |
1,686,952 |
1,866,465 |
1,764,479 |
|
PROFIT AFTER TAX |
2,793,161 |
1,686,952 |
1,866,465 |
1,764,479 |
|
Net Profit |
2,793,161 |
1,686,952 |
1,866,465 |
1,764,479 |
|
Dividends Payable |
0 |
0 |
0 |
0 |
|
RETAINED PROFITS |
2,793,161 |
1,686,952 |
1,866,465 |
1,764,479 |
Balance Sheet
|
Number of Weeks |
52 |
52 |
52 |
52 |
|
Accounts Date |
31/12/2006 |
31/12/2005 |
31/12/2004 |
31/12/2003 |
|
Currency |
GBP |
GBP |
GBP |
GBP |
|
Units |
units |
units |
units |
units |
|
Consolidated? |
No |
No |
No |
No |
|
TOTAL FIXED ASSETS |
3,404,334 |
3,703,162 |
2,843,861 |
3,826,184 |
|
Land & buildings |
96,912 |
- |
115,051 |
128,008 |
|
Plant, machinery & equipment |
78,076 |
239,070 |
143,783 |
296,679 |
|
Intermediate Assets |
1,155,510 |
149,804 |
149,804 |
149,804 |
|
Intangible Assets |
2,073,836 |
3,314,288 |
2,435,223 |
3,251,693 |
|
TOTAL CURRENT ASSETS |
18,737,470 |
14,123,996 |
13,458,241 |
11,716,412 |
|
Stocks |
13,382 |
12,182 |
10,721 |
155,711 |
|
Trade Debtors |
245,792 |
145,654 |
142,244 |
418,288 |
|
Other Receivables |
67,820 |
222,840 |
75,012 |
26,653 |
|
Prepaid expenses |
641,056 |
338,680 |
392,199 |
521,094 |
|
Group Loans |
17,759,767 |
13,386,151 |
12,832,016 |
10,591,831 |
|
Cash |
9,653 |
18,489 |
6,049 |
2,835 |
|
TOTAL ASSETS |
22,141,804 |
17,827,158 |
16,302,102 |
15,542,596 |
|
TOTAL CURRENT LIABILITIES |
9,442,270 |
7,930,142 |
8,076,313 |
9,180,514 |
|
Trade Creditors |
235,865 |
151,613 |
163,693 |
127,767 |
|
Taxes |
33,265 |
- |
- |
39,321 |
|
Due From Group |
4,181,442 |
3,323,441 |
3,847,440 |
4,366,340 |
|
Hire Purchase |
6,224 |
18,118 |
28,936 |
39,852 |
|
Accruals & deferred income |
4,985,474 |
4,436,970 |
4,036,244 |
4,607,234 |
|
WORKING CAPITAL |
9,295,200 |
6,193,854 |
5,381,928 |
2,535,898 |
|
TOTAL LONG TERM LIABS |
1,557 |
1,557 |
17,282 |
20,040 |
|
Total Hire Purchase / Leasing |
1,557 |
1,557 |
17,282 |
20,040 |
|
NET ASSETS/(LIABILITIES) |
12,699,534 |
9,897,016 |
8,225,789 |
6,362,082 |
|
SHARE CAPITAL + RESERVES |
12,697,977 |
9,895,459 |
8,208,507 |
6,342,042 |
|
Issued Share Capital |
1,500 |
1,500 |
1,500 |
1,500 |
|
Share Premium Accounts |
940 |
940 |
940 |
940 |
|
Reserves |
4,999 |
4,999 |
4,999 |
4,999 |
|
Profit and Loss account |
12,690,538 |
9,888,020 |
8,201,068 |
6,334,603 |
|
SHAREHOLDERS FUNDS |
12,697,977 |
9,895,459 |
8,208,507 |
6,342,042 |
|
CAPITAL EMPLOYED |
12,699,534 |
9,897,016 |
8,225,789 |
6,362,082 |
|
TANGIBLE NET WORTH |
10,624,141 |
6,581,171 |
5,773,284 |
3,090,349 |
Key Credit Ratios
|
Accounts Date |
31/12/2006 |
31/12/2005 |
31/12/2004 |
31/12/2003 |
|
Current Ratio |
1.98 |
1.78 |
1.67 |
1.28 |
|
Profit Before Tax |
0.30 |
0.20 |
0.17 |
0.16 |
|
Creditors Days (D.P.O) |
15.28 |
10.23 |
7.91 |
6.09 |
|
Quick Ratio |
1.98 |
1.78 |
1.67 |
1.26 |
|
Return on Assets |
14.77 |
11.75 |
13.61 |
14.53 |
|
T.N.W/Total Assets |
0.48 |
0.37 |
0.35 |
0.20 |
|
Return on Capital |
21.99 |
17.05 |
22.69 |
27.73 |
|
Working Capital/Sales |
0.01 |
0.01 |
0.00 |
0.00 |
|
Stock Turnover |
0.00 |
0.00 |
0.00 |
0.00 |
|
Solvency (%) |
88.89 |
120.52 |
140.19 |
297.72 |
Financial Summary
|
Turnover |
Turnover increased by more than 12% in the period. Turnover totalled
GBP 9,397,722,units for the period. |
|
Operating Profit |
Totalled GBP 2,016,723,units In the period prior a profit of GBP
833,111,units was achieved. |
|
Pre Tax |
The subject made a profit of GBP 2,793,161,units compared with a
profit of GBP 1,686,952,units in the previous period. |
|
Working Capital |
The company's working capital improved in the period by 50% |
|
Tangible Net Worth |
Net worth increased by 4,042,970 during the period and now stands at
GBP 10,624,141,units |
|
Fixed Assets |
The subjects fixed assets reduced during the period by GBP
64,082 to GBP 174,988,units and are now 1% of total assets
compared with 1% in the previous period |
|
Long Term Liabilities |
The company's long term liabilities increased during the period by 0%
and are now 0% of net worth compared with 0% in the previous period |
|
Long Term Liabilities |
Long term liabilities are now 0% of total assets compared with 0% in
the previous period |
Previous Searches on this Company
|
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Last 3 Months |
Last 6 Months |
Last 12 Months |
|
0 |
0 |
1 |
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|
Date |
Time |
SIC Code |
SIC Category |
Report Type |
|
30/07/2007 |
11:41AM |
2221 |
Printing of newspapers |
Keep-It-Live Decision Report |
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%)