MIRA
INFORM REPORT
|
Report Date : |
16.06.2011 |
IDENTIFICATION DETAILS
|
Name : |
SILCA S.P.A. |
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Registered Office : |
Via Podgora, 20 Zona Industriale, 31029 - Vittorio |
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Country : |
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Financials (as on) : |
30.06.2010 |
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Date of Incorporation : |
28.05.1997 |
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Com. Reg. No.: |
TV038851 since 14/01/1998 |
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|
Legal Form : |
Joint Stock Company |
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|
|
Line of Business : |
Manufacture of Locks and Hinges and Similar Hardware. |
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 |
|
Maximum Credit Limit : |
250.000 - Eur |
|
Status : |
Satisfactory |
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Payment Behaviour : |
No complaints |
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Litigation : |
Clear |
NOTES :
Any query related to this report can be made
on e-mail: infodept@mirainform.com
while quoting report number, name and date.
ECGC Country Risk Classification List – March 31st, 2010
|
Country Name |
Previous Rating (31.12.2010) |
Current Rating (31.03.2011) |
|
|
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
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Moderate |
B1 |
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High |
B2 |
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Very High |
C1 |
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Restricted |
C2 |
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Off-credit |
D |
Company name and address
Silca S.p.A.
Via Podgora, 20 Zona Industriale
31029 - Vittorio Veneto (TV)
Summary
|
Fiscal Code |
: |
03286730266 |
|
Legal Form |
: |
Joint stock company |
|
start of Activities |
: |
28/05/1997 |
|
Equity |
: |
Over 2.582.254 Eur |
|
|
: |
50.000.000/75.000.000 Eur |
|
Number of Employees |
: |
from 251 to 500 |
Credit Analysis
|
Credit Opinion |
: |
250.000 - Eur |
Activity
Manufacture of locks and hinges and similar hardware
Legal Data
Legal Form : Joint stock company
|
Fiscal Code : 03286730266 |
|
Foreign Trade Reg. no. : TV038851 since 14/01/1998 |
|
Foreign Trade Reg. no. : 038851 of |
|
Chamber of Commerce no. : 258111 of |
|
Firms' Register : TV-1997-270186 since 18/06/1997 |
|
V.A.T. Code : 03286730266 |
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Foundation date |
: 28/05/1997 |
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|
Establishment date |
: 28/05/1997 |
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|
Start of Activities |
: 28/05/1997 |
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|
Legal duration |
: 31/12/2045 |
|
|
Nominal Capital |
: 10.000.000 |
Eur |
|
Subscribed Capital |
: 10.000.000 |
Eur |
|
Paid up Capital |
: 10.000.000 |
Eur |
Members
|
|
Weber |
Rudolf Wilhelm |
|
|
|
Born in Zurigo |
on 12/06/1950 |
- Fiscal Code : WBRRLF50H12Z133Y |
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|
|
Residence : |
Ringstrasse |
, 20 |
Steinmaur |
- CH - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
27/10/2008 |
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|
|
Board Chairman |
27/10/2008 |
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|
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|
No Protests registered |
Companies connected to members *
*checkings have been performed on a national scale.
In this module are listed the companies in which members hold or have
holded positions.
|
|
WEBER |
RUDOLF WILHELM |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
SAUTER ITALIA S.P.A. |
Milano (MI) - IT - |
09452950158 |
Director |
Withdrawn |
Registered |
|
SAUTER ITALIA S.P.A. |
Milano (MI) - IT - |
09452950158 |
Board Chairman |
Withdrawn |
Registered |
The indication "REGISTERED" as Firm Status could refer to
Firms in Liquidation, Active, Inactive, etc.
For more information, in this case, we advise to request further
investigations.
Capital Shareholders
Shareholders' list as at date of data collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Kaba Gilgen A.g. |
|
|
300.000 .Eur |
3,00 |
|
Unican Luxembourg S.a. |
|
|
9.700.000 .Eur |
97,00 |
Direct Participations
The Company under review has participations in the following Companies:
|
Firm's Style |
Seat |
Fiscal Code |
Owned Shares
Amount |
% Ownership |
since |
until |
Share Status |
|
Bollini Srl |
Cusago - IT - |
11052540157 |
10.329 .Eur |
100,00 |
|
|
Active |
Firm's location and structure
In order to carry out its activities the firm uses the following
locations:
|
- |
Legal and operative seat |
(Factory ) |
|
|
|
|
|
Via |
Podgora |
, 20 |
- 31029 |
- Vittorio Veneto |
(TV) |
- IT - |
|
|
|
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PHONE |
: 0438/9136 |
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|
|
|
FAX |
: 0438/913800 |
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|
|
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Employees |
: 420 |
|
Fittings and Equipment for a value of 4.080.000 |
Eur |
|
Stocks for a value of 16.770.000 |
Eur |
|
Work in progress for a value of 21.000 |
Eur |
Trade organization: direct or by agents.
Sales area on a national scale.
Export is mainly towards:
|
- Europa |
|
- Stati Uniti ( |
The subject firm uses the following own selling brands:
|
- Silca |
Historical Information and/or Firm's Status
EX-MEMBERS / EX-POSITIONS:
|
|
Gaspari |
Roberto |
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Born in Sarnico |
on 22/11/1959 |
- Fiscal Code : GSPRRT59S22I437C |
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Residence : |
Via |
Delle Rose |
, 11/3 |
- 40100 |
|
(BO) |
- IT - |
|
Ex-Postions |
|
Managing Director |
|
Director |
|
|
Oliana |
Pier Luigi |
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Born in Conegliano |
on 19/07/1941 |
- Fiscal Code : LNOPLG41L19C957E |
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Residence : |
Via |
Redipuglia |
, 13 |
- 31015 |
Conegliano |
(TV) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Canal |
Nicola |
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Born in |
on 01/08/1960 |
- Fiscal Code : CNLNCL60M01G888G |
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Residence : |
Via |
Ghirlanda |
, 12 |
- 33170 |
|
(TV) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
Permanent Auditor |
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Serraglia |
Ernesto |
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Born in |
on 19/11/1958 |
- Fiscal Code : SRRRST58S19L407V |
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Residence : |
Via |
E.barbaro |
, 10 |
- 31100 |
|
(TV) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Strazzer |
Paola |
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Born in Vittorio |
on 30/05/1961 |
- Fiscal Code : STRPLA61E70M089D |
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Residence : |
Via |
De Zorzi |
, 81 |
- 31029 |
Vittorio |
(TV) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Di Lenardo |
Ferruccio |
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|
|
Born in |
on 19/12/1958 |
- Fiscal Code : DLNFRC58T19L483P |
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|
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Residence : |
Vicolo |
Del Molinetto |
, 1 |
- 31100 |
|
(TV) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
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|
Rizzato |
Paolo |
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Born in |
on 15/06/1959 |
- Fiscal Code : RZZPLA59H15L407J |
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Residence : |
Via |
San Vigilio |
, 14 |
- 31030 |
Casier |
(TV) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
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|
Fish |
Aaron M |
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Born in |
on 14/09/1932 |
- Fiscal Code : FSHRMX32P14Z401G |
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Residence : |
Via |
VIA ASHDAR |
, 5543 |
|
- CA - |
|
Ex-Postions |
|
Managing Director |
|
Director |
|
|
Bianchi |
Massimo |
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|
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Born in Conegliano |
on 02/12/1958 |
- Fiscal Code : BNCMSM58T02C957J |
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Residence : |
Via |
Anzano |
, 184 |
- 31012 |
Cappella Maggiore |
(TV) |
- IT - |
|
Ex-Postions |
|
Managing Director |
|
Director |
|
Board Chairman |
|
|
Bassetto |
Emanuele |
|
|
|
Born in Affoltern |
on 12/07/1963 |
- Fiscal Code : BSSMNL63L12Z133G |
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|
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Residence : |
Via |
Ippolito De Zorzi |
, 36 |
- 31029 |
Vittorio |
(TV) |
- IT - |
|
Ex-Postions |
|
Procurator |
|
|
Possamai |
Maurizio |
|
|
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Born in Conegliano |
on 22/09/1953 |
- Fiscal Code : PSSMRZ53P22C957T |
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|
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Residence : |
Via |
Dei Zoppas |
, 19 |
- 31015 |
Conegliano |
(TV) |
- IT - |
|
Ex-Postions |
|
Attorney with special power |
|
Procurator |
|
|
Zanchetta |
Giocondo |
|
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Born in MARENO DI PIAVE |
on 26/07/1942 |
- Fiscal Code : ZNCGND42L26E940C |
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Residence : |
Via |
COLONNA |
, 45 |
- 31010 |
Mareno di Piave |
(TV) |
- IT - |
|
Ex-Postions |
|
Procurator |
|
|
Buldini |
Giampaolo |
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Born in |
on 28/03/1944 |
- Fiscal Code : BLDGPL44C28C573C |
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|
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Residence : |
Via |
Oberdan |
, 7/C |
- 33170 |
|
(PN) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
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|
Biscontin |
Pietro |
|
|
|
Born in |
on 16/08/1953 |
- Fiscal Code : BSCPTR53M16G888P |
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|
|
Residence : |
Via |
Lazio |
, 4/10 |
- 33080 |
Porcia |
(PN) |
- IT - |
|
Ex-Postions |
|
Procurator |
|
|
Balconi |
Paolo |
|
|
|
Born in |
on 22/08/1966 |
- Fiscal Code : BLCPLA66M22D150M |
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|
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Residence : |
Via |
Legnago |
, N.7 |
- 31038 |
Paese |
(TV) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Durante |
Paride |
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|
|
Born in |
on 12/01/1970 |
- Fiscal Code : DRNPRD70A12L407B |
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|
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Residence : |
Via |
Magenta |
, 24 |
- 31050 |
Villorba |
(TV) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Bonanno |
Paola |
|
|
|
Born in |
on 12/06/1965 |
- Fiscal Code : BNNPLA65H52L407G |
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|
|
Residence : |
Via |
CACCIATORI DEL SILE |
, 27 |
- 31100 |
|
(TV) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Bot |
Cristina |
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|
|
Born in |
on 10/03/1966 |
- Fiscal Code : BTOCST66C50L407C |
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|
|
Residence : |
Via |
PARRI |
, 16 |
- 31038 |
Paese |
(TV) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Pozzobon |
Mirko |
|
|
|
Born in |
on 17/07/1975 |
- Fiscal Code : PZZMRK75L17L407G |
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|
|
Residence : |
Via |
Fosse Ardeatine |
, 19 |
- 31038 |
Paese |
(TV) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Zadro |
Laura |
|
|
|
Born in Portogruaro |
on 25/02/1976 |
- Fiscal Code : ZDRLRA76B65G914C |
|
|
|
Residence : |
Via |
Tolpada |
, 30 |
- 31100 |
|
(TV) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Massenz |
Lorella |
|
|
|
Born in Vittorio |
on 21/02/1964 |
- Fiscal Code : MSSLLL64B61M089L |
|
|
|
Residence : |
Via |
Massimo D' Azeglio |
, 37 |
- 31029 |
Vittorio |
(TV) |
- IT - |
|
Ex-Postions |
|
Attorney with special power |
|
|
GRAF |
ULRICH |
|
|
|
Born in WOLFHALDEN |
on 16/05/1945 |
- Fiscal Code : GRFLCH45E16Z133M |
|
|
|
Residence : |
ARBERGSTRASSE |
, 43 |
|
- CH - |
|
Ex-Postions |
|
Director |
|
Board Chairman |
|
|
Stadelmann |
Werner |
|
|
|
Born in Zurigo |
on 19/06/1947 |
- Fiscal Code : STDWNR47H19Z133F |
|
|
|
Residence : |
Solarstrasse |
, 7 |
8834 Schindellegi |
- CH - |
|
Ex-Postions |
|
Director |
|
|
Basei |
Paola |
|
|
|
Born in Codogne' |
on 22/06/1958 |
- Fiscal Code : BSAPLA58H62C815S |
|
|
|
Residence : |
Via |
Reggimento Alpini |
, 68 |
- 31015 |
Conegliano |
(TV) |
- IT - |
|
Ex-Postions |
|
Attorney with special power |
CEASINGS/INCORPORATIONS/MERGES:
|
|
Project of merging by taking over of |
|
|
|
Silca - S.p.a. |
|
|
|
Via |
Podgora, |
, 20 |
, 31029 |
, Vittorio Veneto |
(TV) |
- IT - |
|
|
|
Fiscal Code: 00340150267 |
|
|
|
Date |
Merging/splitting-up project : |
24/06/1997 |
|
|
The firm absorbed by merging of |
|
|
|
|
|
|
|
Via |
Podgora |
, 20 |
, 31020 |
, Vittorio Veneto |
(TV) |
- IT - |
|
|
|
Fiscal Code: 01574550263 |
|
|
|
Date |
: |
26/11/1997 |
|
|
The firm absorved |
|
|
|
|
|
|
|
, VITTORIO VENETO (TV) |
- IT - |
|
|
|
Date |
: |
26/11/1997 |
|
|
The firm absorved |
|
|
|
|
|
|
|
Via |
Podgora, |
, 20 |
, 31029 |
, Vittorio Veneto |
(TV) |
- IT - |
|
|
|
Fiscal Code: 00340150267 |
|
|
|
Date |
: |
26/11/1997 |
|
|
Project of merging by taking over of |
|
|
|
|
|
|
|
Via |
Mercatelli |
, 6 |
, 31058 |
, Susegana |
(TV) |
- IT - |
|
|
|
Fiscal Code: 00447780263 |
|
|
|
Date |
Merging/splitting-up project : |
29/11/1999 |
|
|
The firm absorbed by merging of |
|
|
|
|
|
|
|
Via |
Mercatelli |
, 6 |
, 31058 |
, Susegana |
(TV) |
- IT - |
|
|
|
Fiscal Code: 00447780263 |
|
|
|
Date |
: |
22/05/2000 |
|
|
The firm absorved |
|
|
|
Bollini Srl |
|
|
|
Via |
EUROPA |
, 69 |
, 20090 |
, Cusago |
(MI) |
- IT - |
|
|
|
Fiscal Code: 11052540157 |
|
|
|
Date |
: |
22/05/2000 |
Protests
Protests checking on the subject firm has given a negative result.
Legal Procedures
None reported, standing to the latest received edition of the Official
Publications.
Financial and Economical Analysis
Company's starting of activities dates back to 1997.
The economic-financial analysis has been made on the base of the b/s of
the latests three years.
Under the financial profile unstable results are noted. yet with a
positive result in the 2010 (r.o.e. 10,93%).
The return on Investment in the last financial year was positive (6,98%)
and in line with the sector's average.
The operating result is positive and amounts to Eur. 4.545.144
increasing if compared to the yeart 2009.
The gross operating margin of the latest financial year is of Eur.
8.231.629 with a 21,42% increase as opposed to the preceding year.
The financial status of the company is fairly balanced with an
indebtedness level of 2,91 with an improving trend as on the decrease.
Subject can manage an equity capital funds for an amount of Eur.
13.304.027 , unchanged if compared to 2009.
Total indebtedness totalled Eur. 42.524.029, , a more or less stable
value.
Financial indebdtedness is under control whereas debts to suppliers are
frequent however still within the sector's average.
Liquidity is however good.
Accounts receivable average term is high (110,96 days). but in line with
the sector.
The financial management generated a cash flow of Eur. 5.139.529.
Subordinate employment cost is of Eur. 20.562.905, i.e. 33,69% on total
production costs. , with a 31,84% incidence on turnover.
Finacial chareges are high: the incidence on sales volume amounts to
-2,29%
Financial Data
|
|
|
Complete balance-sheet for the year |
30/06/2010 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
64.588.521 |
|
Profit (Loss) for the period |
1.454.112 |
|
|
|
Complete balance-sheet for the year |
30/06/2009 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
60.650.438 |
|
Profit (Loss) for the period |
-468.263 |
|
|
|
Complete balance-sheet for the year |
30/06/2008 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
70.033.855 |
|
Profit (Loss) for the period |
41.797 |
|
|
|
Complete balance-sheet for the year |
30/06/2007 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
73.491.747 |
|
Profit (Loss) for the period |
61.296 |
|
|
|
Complete balance-sheet for the year |
30/06/2006 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
61.412.544 |
|
Profit (Loss) for the period |
-5.320.965 |
Balance Sheets
From our constant monitoring of the relevant Public Administration
offices, no more recent balance sheets result to have been filed.
|
- Balance Sheet as at 30/06/2010 - 12 Mesi - Currency: Eur - Amounts x
1 |
|
- Balance Sheet as at 30/06/2009 - 12 Mesi - Currency: Eur - Amounts x
1 |
|
- Balance Sheet as at 30/06/2008 - 12 Mesi - Currency: Eur - Amounts x
1 |
|
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|
|
RATIOS |
Value Type |
as at 30/06/2010 |
as at 30/06/2009 |
as at 30/06/2008 |
Sector Average |
|
COMPOSITION ON
INVESTMENT |
|
|
|
|
|
|
Rigidity Ratio |
Units |
0,32 |
0,37 |
0,28 |
0,20 |
|
Elasticity Ratio |
Units |
0,66 |
0,61 |
0,70 |
0,77 |
|
Availability of stock |
Units |
0,26 |
0,26 |
0,30 |
0,19 |
|
Total Liquidity Ratio |
Units |
0,41 |
0,35 |
0,40 |
0,53 |
|
Quick Ratio |
Units |
0,06 |
0,02 |
0,01 |
0,03 |
|
COMPOSITION ON
SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
2,91 |
3,31 |
6,49 |
2,84 |
|
Self Financing Ratio |
Units |
0,20 |
0,19 |
0,12 |
0,19 |
|
Capital protection Ratio |
Units |
- 0,12 |
0,20 |
- 0,41 |
0,67 |
|
Liabilities consolidation quotient |
Units |
0,15 |
0,16 |
0,15 |
0,25 |
|
Financing |
Units |
3,20 |
3,41 |
6,56 |
3,52 |
|
Permanent Indebtedness Ratio |
Units |
0,30 |
0,30 |
0,23 |
0,40 |
|
M/L term Debts Ratio |
Units |
0,10 |
0,11 |
0,11 |
0,14 |
|
Net Financial Indebtedness Ratio |
Units |
0,00 |
0,00 |
0,00 |
0,83 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
0,94 |
0,81 |
0,82 |
1,85 |
|
Current ratio |
Units |
1,01 |
0,93 |
0,93 |
1,29 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,62 |
0,53 |
0,53 |
0,91 |
|
Structure's primary quotient |
Units |
0,64 |
0,52 |
0,42 |
1,04 |
|
Treasury's primary quotient |
Units |
0,09 |
0,03 |
0,01 |
0,06 |
|
Rate of indebtedness ( Leverage ) |
% |
489,26 |
522,74 |
865,80 |
508,64 |
|
Current Capital ( net ) |
Value |
619.781 |
-2.661.787 |
-3.463.221 |
396.051 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
7,96 |
4,96 |
4,71 |
4,50 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
10,93 |
- 3,95 |
0,59 |
6,91 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
24,47 |
5,47 |
29,47 |
22,86 |
|
Return on Investment ( R.O.I. ) |
% |
6,98 |
5,33 |
8,71 |
5,62 |
|
Return/ Sales |
% |
7,04 |
5,44 |
7,68 |
5,03 |
|
Extra Management revenues/charges incid. |
% |
31,99 |
- 14,19 |
0,78 |
24,96 |
|
Cash Flow |
Value |
5.139.529 |
3.010.389 |
3.296.380 |
136.347 |
|
Operating Profit |
Value |
4.545.144 |
3.299.872 |
5.379.719 |
153.429 |
|
Gross Operating Margin |
Value |
8.231.629 |
6.778.931 |
8.635.791 |
252.987 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
110,96 |
103,86 |
103,17 |
127,94 |
|
Debts to suppliers average term |
Days |
359,96 |
377,87 |
340,33 |
156,25 |
|
Average stock waiting period |
Days |
93,48 |
97,02 |
95,90 |
62,49 |
|
Rate of capital employed return ( Turnover ) |
Units |
0,99 |
0,98 |
1,13 |
1,16 |
|
Rate of stock return |
Units |
3,85 |
3,71 |
3,75 |
5,75 |
|
Labour cost incidence |
% |
31,84 |
30,92 |
29,33 |
20,67 |
|
Net financial revenues/ charges incidence |
% |
- 2,29 |
- 4,11 |
- 3,95 |
- 1,14 |
|
Labour cost on purchasing expenses |
% |
33,69 |
32,81 |
30,86 |
21,40 |
|
Short-term financing charges |
% |
3,51 |
6,21 |
5,94 |
2,55 |
|
Capital on hand |
% |
100,78 |
102,13 |
88,23 |
85,57 |
|
Sales pro employee |
Value |
151.972 |
135.683 |
149.008 |
177.457 |
|
Labour cost pro employee |
Value |
48.383 |
41.959 |
43.711 |
35.009 |
Market / Territory Data
|
Population living in the province |
: |
|
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
Monthly family expences average in the region (in Eur.) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Sector Data
The values are calculated on a base of 1.023 significant companies.
The companies cash their credits on an average of 127 dd.
The average duration of suppliers debts is about 156 dd.
The sector's profitability is on an average of 4,50%.
The labour cost affects the turnover in the measure of 20,67%.
Goods are held in stock in a range of 62 dd.
The difference between the sales volume and the resources used to
realize it is about 1,16.
The employees costs represent the 21,40% of the production costs.
Statistical Detrimental Data
The area is statistically considered lowly risky.
In the region 13.782 protested subjects are found; in the province they
count to 2.280.
The insolvency index for the region is 0,30, , while for the province it
is 0,28.
Total Bankrupt companies in the province : 3.317.
Total Bankrupt companies in the region : 16.714.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.44.68 |
|
|
1 |
Rs.73.04 |
|
Euro |
1 |
Rs.64.29 |
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 |
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 |
|
-- |
NB |
New Business |
-- |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.