MIRA INFORM REPORT
|
Report Date : |
20.06.2011 |
IDENTIFICATION DETAILS
|
Name : |
ARMOR DEVELOPPEMENT |
|
|
|
|
Registered Office : |
21 Rue Louison Bobet, Zone De Kerjaouen, 29000 Quimper |
|
|
|
|
Country : |
France |
|
|
|
|
Financials (as on) : |
31.12.2009 |
|
|
|
|
Date of Incorporation : |
December 1992 |
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|
|
|
Com. Reg. No.: |
389451352 |
|
|
|
|
Legal Form : |
Public limited company with board of directors |
|
|
|
|
Line of Business : |
Wholesale business
clothing and footwear |
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 |
|
Maximum Credit Limit : |
820,000 (€) |
|
Status : |
Very Good |
|
Payment
Behaviour : |
No Complaints |
|
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, 2011
|
Country Name |
Previous Rating (31.12.2010) |
Current Rating (31.03.2011) |
|
France |
a1 |
a1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
Company
Summary
|
Company Details |
|
|
Company Number |
38945135200030 |
|
Name |
ARMOR DEVELOPPEMENT |
|
Telephone |
02 98 90 05 29 |
|
Fax |
|
|
Legal form |
Public limited company with board of directors |
|
RCS Registration |
389451352 |
|
Share Capital |
4,500,000 |
|
Incorporation Date |
12/1992 |
|
Address |
21 RUE LOUISON BOBET, ZONE DE KERJAOUEN |
|
Postcode |
29000 QUIMPER |
|
Nationality |
France |
|
Credit Information Summary |
|
|
Company Status |
Economically active |
|
Credit Limit (€) |
820,000 |
|
Judgements Summary |
|
No judgements against this company. |
|
Directors Summary |
|
|
Directorships |
7 |
|
Accounts Summary (last 3 years) |
|||
|
Accounts Date |
31/12/2009 |
31/12/2008 |
31/12/2007 |
|
Turnover |
26,294,815 |
25,554,922 |
26,134,813 |
|
Networth |
11,201,085 |
10,479,870 |
10,011,894 |
|
Number of Employees |
1 or 2 employees |
- |
- |
Company
Information
|
company details |
|
|
Company Name |
ARMOR DEVELOPPEMENT |
|
Company Number |
38945135200030 |
|
Activity (APE) |
Commerce de gros (commerce interentreprises) d'habillement et de
chaussures (Wholesale
business clothing and footwear) |
|
Activity (APRM) |
|
|
Currency |
EURO (€) |
|
Share capital |
4,500,000 |
|
Registration Court |
Quimper (29) |
|
Legal form |
Public limited company with board of directors |
|
Court Registry Number |
19 9 3B002 |
|
EU VAT Number |
FR29389451352 |
|
Incorporation Date |
12/1992 |
|
Formation Date |
12/1992 |
|
Deregistration Date |
|
|
Last account Date |
31/12/2009 |
|
Nationality |
France |
|
Establishment details |
|
|
Postal Address |
21 RUE LOUISON BOBET,ZONE DE KERJAOUEN |
|
Trading Address |
21 RUE LOUISON BOBET,ZONE DE KERJAOUEN |
|
Telephone |
02 98 90 05 29 |
|
Fax |
|
|
Type |
Head office (one site company) |
|
Status |
Economically active |
|
Formation Date |
12/1992 |
|
Reason for formation |
Other |
|
Closure Date |
|
|
Reason for closure |
|
|
Reactivation Date |
|
|
Production Role |
|
|
Activity Nature |
Wholesale or intermediary of trade |
|
Activity Location |
Deposit, warehouse |
|
Location Service |
|
|
Seasonality |
|
|
Other establishments |
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Branches |
2 branch entities in this company |
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Regionality |
Legal unit with all establishments in same area |
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Mono-activity status |
Legal unit having all establishments with the same main activity |
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Workforces |
|
|
Workforce at address |
1 or 2 employees |
|
Company workforce |
1 or 2 employees |
Accounts
& Ratios
|
Profit & Loss |
|||||
|
Account Date |
31/12/2009 |
% |
31/12/2008 |
% |
31/12/2007 |
|
Account period (month) |
12 |
- |
12 |
- |
12 |
|
Account Type |
Normal Account |
- |
Normal Account |
- |
Normal Account |
|
Currency |
Euro |
- |
Euro |
- |
Euro |
|
Turnover |
26,294,815 |
2.9% |
25,554,922 |
-2.2% |
26,134,813 |
|
Exports |
1,274,952 |
45.8% |
874,376 |
93.2% |
452,650 |
|
Operating Charges |
24,624,187 |
2.6% |
24,006,193 |
-1.1% |
24,279,959 |
|
Operating Profit |
1,753,249 |
12.5% |
1,558,282 |
-16.9% |
1,876,039 |
|
Financial Income |
111,830 |
-46.5% |
208,890 |
50.5% |
138,755 |
|
Financial Charges |
315,248 |
-37.0% |
500,024 |
28.9% |
388,020 |
|
Pre-Tax Profit |
1,549,831 |
22.3% |
1,267,149 |
-22.1% |
1,626,774 |
|
Extraordinary Income |
12,165 |
-20.0% |
15,204 |
-42.1% |
26,259 |
|
Extraordinary Charges |
116,119 |
2,772.1% |
4,043 |
-88.4% |
34,768 |
|
Net Profit |
1,027,701 |
18.1% |
870,163 |
-26.3% |
1,180,624 |
|
Balance Sheet |
|||||
|
Account Date |
31/12/2009 |
% |
31/12/2008 |
% |
31/12/2007 |
|
Assets |
|||||
|
- Tangible assets |
1,057,366 |
26.7% |
834,217 |
1,670.1% |
47,127 |
|
Intangible assets |
776,328 |
94.2% |
399,681 |
103.5% |
196,413 |
|
Financial assets |
8,366,865 |
0.4% |
8,336,378 |
-5.5% |
8,824,479 |
|
Total fixed assets |
10,200,559 |
6.6% |
9,570,277 |
5.5% |
9,068,019 |
|
Stocks |
2,070,755 |
-48.5% |
4,018,773 |
16.7% |
3,444,554 |
|
Receivables |
9,483,777 |
-4.0% |
9,881,299 |
-16.0% |
11,763,129 |
|
- Trade Receivables |
4,220,002 |
-4.2% |
4,402,847 |
-46.4% |
8,211,528 |
|
- Misc. Receivables |
5,263,775 |
- |
5,478,452 |
- |
3,551,601 |
|
Cash |
1,200,856 |
145.1% |
489,997 |
2,292.6% |
20,480 |
|
Misc. Current Assets |
12,791 |
- |
17,940 |
- |
|
|
Total Current Assets |
12,768,179 |
-11.4% |
14,408,009 |
-5.4% |
15,228,163 |
|
Liabilities |
|||||
|
Trade Accounts Payable |
2,829,552 |
-30.3% |
4,060,352 |
3.7% |
3,914,708 |
|
Bank Loans and Liabilities |
5,596,118 |
-1.8% |
5,701,168 |
-14.7% |
6,686,478 |
|
Sundry Loan and Liabilities |
|
- |
|
- |
|
|
Advanced Payments Received |
77,501 |
- |
0 |
- |
0 |
|
Tax and Social Liabilities |
847,258 |
306.0% |
208,689 |
-79.0% |
993,416 |
|
Miscellaneous Liabilities |
2,310,637 |
- |
3,421,208 |
- |
2,577,482 |
|
Provisions for Risks & Charges |
0 |
- |
0 |
- |
0 |
|
Other Capital Resources |
0 |
- |
0 |
- |
0 |
|
Share Capital |
4,500,000 |
0.0% |
4,500,000 |
0.0% |
4,500,000 |
|
Revaluation Reserve |
0 |
- |
0 |
- |
0 |
|
Other Reserves |
6,701,085 |
- |
5,979,870 |
- |
5,511,894 |
|
Total Shareholders Funds |
11,201,085 |
6.9% |
10,479,870 |
4.7% |
10,011,894 |
|
|
|||||
|
Total Assets |
22,968,739 |
-4.2% |
23,978,286 |
-1.3% |
24,296,184 |
|
Net Worth |
10,424,757 |
- |
10,080,189 |
- |
9,815,481 |
|
Ratios |
|||||
|
Account Date |
31/12/2009 |
% |
31/12/2008 |
% |
31/12/2007 |
|
Structure |
|||||
|
Protection |
48.77% |
|
43.71% |
|
41.21% |
|
Net Gearing |
24.36% |
|
23.78% |
|
27.52% |
|
Repayment Power |
299.39% |
|
220.38% |
|
120.48% |
|
Capital Requirement |
71.00 day |
|
41.00 day |
|
34.00 day |
|
Working Capital Requirement |
17.00 day |
|
21.00 day |
|
105.00 day |
|
Net Cash |
-3.00 day |
|
-45.00 day |
|
-71.00 day |
|
|
|||||
|
Performance |
|||||
|
Return on Invested Capital |
20.00% |
|
17.00% |
|
21.00% |
|
Return on Equity |
9.18% |
|
8.30% |
|
11.79% |
|
Gross Profit |
9.88% Turnover |
|
8.19% Turnover |
|
8.52% Turnover |
|
Growth v's Year Ago Qtr |
739,893€ |
|
-579,891€ |
|
6,961,790€ |
|
Inventory Returns |
2.00 day |
|
0 |
|
0 |
|
Receivables Days |
49.00 day |
|
52.00 day |
|
113.00 day |
|
Payable Days |
47.00 day |
|
61.00 day |
|
55.00 day |
|
|
|||||
|
SIG |
|||||
|
Profit |
22.92% Turnover |
|
23.63% Turnover |
|
21.66% Turnover |
|
Gross Profit |
9.88% Turnover |
|
8.19% Turnover |
|
8.52% Turnover |
|
Wage and Salary distribution / Gross Profit |
16.41% Turnover |
|
17.19% Turnover |
|
8.48% Turnover |
|
Gross Operating Surplus |
7.76% Turnover |
|
6.33% Turnover |
|
7.38% Turnover |
|
Pre-tax Income |
5.89% Turnover |
|
4.96% Turnover |
|
6.22% Turnover |
|
Net Profit/Loss |
3.91% |
|
3.41% |
|
4.52% |
Judgements
Collective Procedures
|
Courts |
|
There are no Judgements filed against this company. |
|
Rncs |
|
There are no Judgements filed against this company. |
|
Bodacc |
|
There are no Judgements filed against this company. |
|
Preferentials Rights |
|
No social security and tax office preferential right to date. |
Group
Structure
|
Ultimate Parent |
|||
|
Ultimate Parent Company |
ARMOR DÉVELOPPEMENT |
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|
Companies in Group |
8 |
||
|
Company Name |
Country |
Share |
Latest Annual Accounts |
|
ARMOR DÉVELOPPEMENT |
389451352 |
- |
31/12/2009 |
|
-BONNETERIES D' ARMOR |
375680139 |
99.95 % |
31/12/2009 |
|
SOCIÉTÉ DE DISTRIBUTION TEXTILE |
323277327 |
100 % |
31/12/2009 |
|
SNC STRASBOURG MAILLE |
352137285 |
99 % |
31/12/2008 |
|
SNC SIAM MAILLE |
343317574 |
99 % |
31/12/2009 |
|
SNC BREST MAILLE |
343317509 |
99 % |
31/12/2009 |
|
SNC LAVAL MAILLE |
379454663 |
99 % |
31/12/2009 |
|
LA COMPAGNIE D\'ARMOR |
483300232 |
100 % |
31/12/2006 |
Event
history
|
Status history |
|
No status history for this company. |
|
Recent Publications in Gazettes |
||
|
Publication Date |
Gazette Name |
Description |
|
07/01/2011 |
B |
Modification et mutation diverse |
|
29
- FINISTERE |
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|
02/09/2010 |
C |
Comptes annuels, consolidés et rapports |
|
29
- FINISTERE |
||
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02/09/2010 |
C |
Comptes annuels et rapports |
|
29
- FINISTERE |
||
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26/08/2009 |
C |
Comptes annuels et rapports |
|
29
- FINISTERE |
||
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|
12/08/2009 |
B |
Modification et mutation diverse |
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29
- FINISTERE |
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25/09/2008 |
C |
Comptes annuels et rapports |
|
29
- FINISTERE |
||
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||
|
25/09/2008 |
C |
Comptes consolidés et rapports |
|
29
- FINISTERE |
||
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||
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06/02/2008 |
B |
Modification et mutation diverse |
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29
- FINISTERE |
||
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||
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06/02/2008 |
B |
Modification et mutation diverse |
|
29
- FINISTERE |
||
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||
|
08/11/2007 |
C |
Avis de dépôt des comptes |
|
4960
- 389 451 352. RCS Quimper ARMOR DEVELOPPEMENT. Forme: Société anonyme. Adresse
du sičge social: 21/23 rue Louison Bobet - Zone de Kerjaouen 29000 Quimper.
Comptes annuels et rapports de l'exercice clos le: 31 décembre 2006. |
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|
08/10/2007 |
C |
Avis de dépôt des comptes |
|
5441
- 389 451 352. RCS Quimper ARMOR DEVELOPPEMENT. Forme: Société anonyme.
Adresse du sičge social: 21/23 rue Louison Bobet - Zone de Kerjaouen 29000
Quimper. Comptes consolidés et rapport de l'exercice clos le: 31 décembre
2006. |
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|
24/05/2007 |
B |
Modifications et mutations diverses |
|
348
- RCS Quimper B 389 451 352. RC 93-B 264. ARMOR DEVELOPPEMENT. Forme : S.A.
Adresse du sičge social : zone de Kerjaouen, 21-23 rue Louison-Bobet,, 29000
Commentaires : modification survenue sur l'administration. Administration :
président du conseil d'administration et directeur général : LE FLOCH (Jean,
Guy) (Nom d'usage : LE FLOCH). Administrateurs : V.F.P. XII, représentée par
KEREZEON (Gilles) (Nom d'usage : KEREZEON) GUEGUEN (Michel) (Nom d'usage :
GUEGUEN) IPO-INSTITUT DE PARTICIPATIONS DE L'OUEST, représentée par ROUAULT
DE LA VIGNE (François) (Nom d'usage : ROUAULT DE LA VIGNE) PERROT (Joëlle)
(Nom d'usage : LE FLOC'H) OUEST CROISSANCE, représentée par SULGER (Anne)
(Nom d'usage : GUICHARD). Commissaires aux comptes titulaires : FARO (Claude)
(Nom d'usage : FARO) SOCIETE CONSTANTIN ASSOCIES. Co-commissaire aux comptes
titulaire : VESQUE (Danielle) (Nom d'usage : VESQUE). Commissaire aux comptes
suppléant : CART-TANNEUR (Gilles) (Nom d'usage : CART-TANNEUR). Date d'effet
: 25 janvier 2007. |
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|
30/03/2007 |
C |
Avis de dépôt des comptes |
|
1724
- RCS Quimper B 389 451 352. RC 93-B 264. ARMOR DEVELOPPEMENT. Forme: S.A.
Adresse du sičge social: 21/23, rue Louison Bobet - Zone de Kerjaouen,29000
Quimper. Comptes annuels et rapports de l'exercice clos le: 31 décembre 2005. |
||
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|
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|
16/03/2007 |
C |
Avis de dépôt des comptes |
|
2769
- RCS Quimper B 389 451 352. RC 93-B 264. ARMOR DEVELOPPEMENT. Forme: S.A.
Adresse du sičge social: 21/23, rue Louison Bobet - Zone de Kerjaouen,29000
Quimper. Comptes annuels et rapports de l'exercice clos le: 31 décembre 2005. |
||
|
|
||
|
11/01/2006 |
B |
Modifications et mutations diverses |
|
0512
- RCS Quimper B 389 451 352. RC 93-B 264. ARMOR DEVELOPPEMENT. Forme : S.A.
Adresse du sičge social : zone de Kerjaouen, 21-23 rue Louison-Bobet,, 29000
Commentaires : modification survenue sur l'administration. Administration :
président du conseil d'administration et directeur général : LE FLOCH (Jean,
Guy) (Nom d'usage : LE FLOCH). Administrateurs : V.F.P. XII, représentée par
KEREZEON (Gilles) (Nom d'usage : KEREZEON) GUEGUEN (Michel) (Nom d'usage :
GUEGUEN) SIGEFI, représentée par PUGET (Antoine) (Nom d'usage : PUGET)
IPO-INSTITUT DE PARTICIPATIONS DE L'OUEST, représentée par ROUAULT DE LA
VIGNE (François) (Nom d'usage : ROUAULT DE LA VIGNE) PERROT (Joëlle) (Nom
d'usage : LE FLOC'H). Commissaires aux comptes titulaires : FARO (Claude)
(Nom d'usage : FARO) STE CONSTANTIN ASSOCIES. Co-commissaire aux comptes
titulaire : VESQUE (Danielle) (Nom d'usage : VESQUE). Commissaire aux comptes
suppléant : CART-TANNEUR (Gilles) (Nom d'usage : CART-TANNEUR). Date d'effet
: 20 juin 2005. |
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||
|
28/12/2005 |
C |
Avis de dépôt des comptes |
|
2454
- RCS Quimper B 389 451 352. RC 93-B 264. ARMOR DEVELOPPEMENT. Forme: S.A.
Adresse du sičge social: 21/23, rue Louison Bobet - Zone de Kerjaouen,29000
Quimper. Comptes annuels et rapports de l'exercice clos le: 31 décembre 2004. |
||
|
|
||
|
28/12/2005 |
C |
Avis de dépôt des comptes |
|
2453
- RCS Quimper B 389 451 352. RC 93-B 264. ARMOR DEVELOPPEMENT. Forme: S.A.
Adresse du sičge social: 21/23, rue Louison Bobet - Zone de Kerjaouen,29000
Quimper. Comptes annuels et rapports de l'exercice clos le: 31 décembre 2004. |
||
|
|
||
|
14/10/2004 |
B |
Modifications et mutations diverses |
|
RCS
Quimper B 389451352 RC 93-B 264 ARMOR DEVELOPPEMENT. Forme : S.A. Adresse du
sičge social : zone de Kerjaouen, 21- 23 rue Louison-Bobet, 29000 Quimper.
Commentaires : modification survenue sur l'adresse du sičge social. Date
d'effet : 24 juin 2004. |
||
|
|
||
|
08/08/2004 |
B |
Modifications et mutations diverses |
|
RCS
Paris B 389451352 RC 92-B 15142 V.F. P. XI. Forme : S.A. Adresse du sičge
social : 13 rue d'Uzčs, 75002 Paris Date de radiation: 26 juillet 2004. |
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|
06/05/2004 |
B |
Modifications et mutations diverses |
|
RCS
Quimper B 389451352 RC 93-B 264 ARMOR DEVELOPPEMENT. Forme : S.A. Adresse du
sičge social : 60 B rue Guy-Autret, 29000 Quimper. Commentaires :
modification survenue sur l' administration. Administration : président du
conseil d'administration et directeur général : LE FLOCH (Jean, Guy) ( Nom
d'usage : LE FLOCH). Administrateurs : V.F.P. XII, représentée par KEREZEON (Gilles)
( Nom d'usage : KEREZEON) GUEGUEN (Michel) ( Nom d'usage : GUEGUEN) SIGEFI,
représentée par TOUX (Jean, Christophe) ( Nom d'usage : TOUX) IPO-INSTITUT DE
PARTICIPATIONS DE L'OUEST, représenté par ROUAULT DE LA VIGNE ( François) (
Nom d'usage : ROUAULT DE LA VIGNE) PERROT (Joelle) ( Nom d' usage : LE
FLOC'H). Commissaire aux comptes titulaire : STE CONSTANTIN ASSOCIES.
Co-commissaires aux comptes titulaires : STE GORIOUX FARO ET ASSOCIES VESQUE
(Danielle) ( Nom d' usage : VESQUE). Commissaire aux comptes suppléant :
CART-TANNEUR ( Gilles) ( Nom d'usage : CART-TANNEUR). Date d'effet : 14
octobre 2003. |
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|
Company events history |
|
|
Date |
Description |
|
07/01/2011 |
Bodacc B: Various editing or changing |
|
17/12/2010 |
Minutes of general meeting of shareholders |
|
17/12/2010 |
New auditor |
|
03/12/2010 |
New shareholders detected |
|
12/11/2010 |
New subsidiarie(s) detected |
|
02/09/2010 |
Bodacc C : Deposit accounts notice |
|
31/12/2009 |
New consolidated accounts available |
|
31/12/2009 |
New accounts available |
|
26/08/2009 |
Bodacc C : Deposit accounts notice |
|
12/08/2009 |
Bodacc B: Various editing or changing |
|
24/07/2009 |
Minutes of general meeting of shareholders |
|
24/07/2009 |
Appointment/resignation of company officers |
|
24/07/2009 |
Private document |
|
24/07/2009 |
Changes to the Board of Directors |
|
31/12/2008 |
New accounts available |
|
25/09/2008 |
Bodacc C : Deposit accounts notice |
|
06/02/2008 |
Bodacc B: Various editing or changing |
|
06/02/2008 |
New Bodacc B ads detected |
|
31/12/2007 |
New accounts available |
|
31/12/2007 |
New consolidated accounts available |
|
|
|
|
Date |
Description |
|
06/05/2011 |
Update Rating |
|
15/07/2010 |
Update Limit |
|
29/12/2009 |
Update Rating |
|
20/11/2009 |
Update of phone numbers |
|
26/08/2009 |
Update Rating |
|
26/08/2009 |
Update Limit |
|
29/08/2008 |
Update Limit |
|
03/07/2008 |
Update Rating |
|
17/12/2007 |
Update Rating |
|
14/12/2007 |
Update Limit |
|
10/12/2007 |
Update Limit |
|
09/12/2007 |
Update Limit |
|
07/12/2007 |
Update Rating |
|
06/12/2007 |
Update Limit |
|
06/12/2007 |
Update Rating |
|
28/08/2007 |
Update Limit |
Directors
|
Director |
|||
|
Name |
M LE FLOCH JEAN-GUY |
Manager
position |
Directeur général |
|
Date
of birth |
09/11/1953 |
Place
of birth |
CARHAIX PLOUGUER (29) |
|
Type
of manager |
Individual |
Name
at birth of manager |
|
|
Director |
|||
|
Name |
V.F.P. XII |
Manager
position |
Administrateur |
|
Date
of birth |
15/03/1960 |
Place
of birth |
BREST (29) |
|
Type
of manager |
Moral person |
Name
at birth of manager |
|
|
Director |
|||
|
Name |
OUEST CROISSANCE |
Manager
position |
Administrateur |
|
Date
of birth |
06/04/1965 |
Place
of birth |
ANTONY (92) |
|
Type
of manager |
Moral person |
Name
at birth of manager |
|
|
Director |
|||
|
Name |
M GUEGUEN MICHEL |
Manager
position |
Administrateur |
|
Date
of birth |
16/03/1954 |
Place
of birth |
CORAY (29) |
|
Type
of manager |
Individual |
Name
at birth of manager |
|
|
Director |
|||
|
Name |
IPO - INSTITUT DE PARTICIPATIONS DE
L'OUEST |
Manager
position |
Administrateur |
|
Date
of birth |
15/04/1950 |
Place
of birth |
ST MALO (35) |
|
Type
of manager |
Moral person |
Name
at birth of manager |
|
|
Director |
|||
|
Name |
Mme LE FLOC'H JOËLLE |
Manager
position |
Administrateur |
|
Date
of birth |
15/11/1955 |
Place
of birth |
DOUARNENEZ (29) |
|
Type
of manager |
Individual |
Name
at birth of manager |
PERROT |
|
Director |
|||
|
Name |
M BEBON MARC |
Manager
position |
Administrateur |
|
Date
of birth |
30/01/1948 |
Place
of birth |
DINARD (35) |
|
Type
of manager |
Individual |
Name
at birth of manager |
|
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.44.93 |
|
UK Pound |
1 |
Rs.72.43 |
|
Euro |
1 |
Rs.63.62 |
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.