MIRA INFORM REPORT

Report Date :

16.05.2008

IDENTIFICATION DETAILS

Name :	RM & SONS INC
Registered Office :	580 5th Ave Ste 414 New York, NY 10036-4724
Country :	United States
Date of Incorporation :	06/1999
Com. Reg. No.:	837088669
Legal Form :	Private Limited Company
Line of Business :	Jewelry and Precious Stones Whlsng

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

Status :	Satisfactory
Payment Behaviour :	No Complaints
Litigation :	Clear

Company Information

RM & SONS INC
580 5TH AVE STE 414
NEW YORK, NY 10036-4724
(212) 302-3424

Business Identification Number:

837088669

File Established:

06/1999

SIC code:

JEWELRY & PRECIOUS STONES WHLSNG - 5094

Matching Name and Address

This business is linked to the one displayed above. The report shows the best view of the business.

R M & SONS
30 W 47TH ST STE 603
NEW YORK, NY 10036-8602

Executive Summary

  Intelliscore for RM & SONS INC

66.38

0-32.47

32.48-58.63

58.64-70.19

70.2-77.71

77.72-100

0

100

High risk

Low risk

MEDIUM RISK
54% of businesses indicate a higher risk of becoming seriously delinquent than this business

Key score factors:

	NUMBER OF DEROGATORY PUBLIC RECORD ACCOUNTS
	NUMBER OF TRADES WITH A HIGH BALANCE TO HIGH CREDIT RATIO
	RISK ASSOCIATED WITH THE COMPANY'S INDUSTRY
	FEW, IF ANY, DELINQUENT ACCOUNTS

Research Tips
	Additional information may be available on this business. Other recommended searches: Order Public Record

Legal Filings and Collections

Bankruptcy filings:

0

Tax lien filings:

0

Judgment filings: details (FILED 10/01)

1

Total collections:

0

Sum of legal filings:

$48

UCC filings: details (FILED 05/06-06/07)

2

Cautionary UCC filings present?

Yes**

Trade Information

Monthly average DBT:

0

Highest DBT previous 6 months:

0

Highest DBT previous 5 quarters:

0

Total continuous trades:

2

Current continuous trade balance:

$0

Trade balance of all trades (3):

$100

Average balance previous 5 quarters:

$0

Highest credit amount extended:

$0

6 month balance range:

$0 - $0

** Cautionary UCC Filings include one or more of the following collateral: Accounts, Accounts Receivables, Contract Rights, Hereafter Acquired Property, Inventory, Leases, Notes Receivable or Proceeds.

Legal Filings and Collections

Judgments
File Date	Filing Type	Status	Amount	Plaintiff	Filing Number	Jurisdiction
03/11/2002	Judgment	Satisfied	$48	NYC DEPARTMENT OF FINANCE	001464160	NEW YORK COUNTY REG
10/09/2001	Judgment	Filed	$48	NYC DEPARTMENT OF FINANCE	001464160	NEW YORK COUNTY REG

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	03/2008		NET 30		$0						CUST 2 YR
OFFC SUPPL	04/2008	08/2001	CREDIT		$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	2	$0	$0						DBT: 0
Newly Reported	0								DBT:
Trade Lines Totals	2	$0	$0						DBT: 0

Additional Payment Experiences

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	12/2007	12/2007		$100	$100	100%					CUST 9 YR

Inquiries

Summary of Inquiries
Business Category	MAY08	APR08	MAR08	FEB08	JAN08	DEC07	NOV07	OCT07	SEP07
BANK							2
Totals							2

UCC Profile

The UCC Filings are summarized and listed below.

UCC Summary		Filings
Date Range	Year	Cautionary UCCs^**	Total Filed	Released/ Term'd	Cont	Amended/ Assigned
JAN - PRESENT	2008
JUL - DEC	2007
JAN - JUN	2007	1	1
JUL - DEC	2006
JAN - JUN	2006	1	1
PRIOR TO JAN	2006
Total		2	2

** Cautionary UCC Filings include one or more of the following collateral: Accounts, Accounts Receivables, Contract Rights, Hereafter Acquired Property, Inventory, Leases, Notes Receivable or Proceeds.

  UCC Filings

UCC FILED Date: 06/27/2007

Filing Number: 200706275628489

Jurisdiction: SEC OF STATE NEW YOR

Secured Party: WACHOVIA BANK, NATIONAL ASSOCIATION NC WINSTON SALEM 27199 C

Collateral: EQUIP, INVENTORY, HEREAFTER AQUIRED PROP, UNDEFINED

UCC FILED Date: 05/08/2006

Filing Number: 200605085440261

Jurisdiction: SEC OF STATE NEW YOR

Secured Party: HUDSON UNITED BANK NJ MAHWAH 07430 1000 MACARTHUR BLVD

Collateral: EQUIP, FURN & FIX, INVENTORY, HEREAFTER AQUIRED PROP, UNDEFINED

Commercial Finance Relationships

  Banking Relationships

Financial Institution: CHASE BANK

Address: 200 JERICHO QUADRANGLE JERICHO NY11753

Phone: (516) 828-2339

Account Type: LINE OF CREDIT

Date Opened: 06/05/2002

Account Rating: NO COMMENT AS OF 03/02/2006

Account Balance: LOW FIVE FIGURES

Company Background Information

  Additional Company Background Information

Key Personnel

Principal(s):	RAMESH VORA, PRESIDENT
	SHILPA VORA, VICE PRESI
	ARAMESH A. VORA, OWNER

Operating Information

Primary SIC Code: JEWELRY & PRECIOUS STONES WHLSNG - 5094

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