MIRA INFORM REPORT
|
Report Date : |
12.05.2011 |
IDENTIFICATION DETAILS
|
Name : |
KOBEL S.R.L.
|
|
|
|
|
Registered Office : |
Via Pantano, 16/E, 50013 - Campi
Bisenzio (FI) |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2009 |
|
|
|
|
Date of Incorporation : |
14.11.1983 |
|
|
|
|
Com. Reg. No.: |
FI017-37666 since 19/02/1996 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
Wholesale of rude rubber, plastics in
primary forms and semi-finished |
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 : |
70.000 Eur |
|
Status : |
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 – December 31, 2010
|
Country Name |
Previous Rating (30.09.2010) |
Current Rating (31.12.2010) |
|
Italy |
a2 |
a2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
Company name & address
Kobel s.r.l.
Via Pantano, 16/E
50013 - Campi Bisenzio (FI) -IT-
Summary
|
Fiscal Code |
: |
02006960484 |
|
Legal Form |
: |
Limited liability company |
|
start of Activities |
: |
14/11/1983 |
|
Equity |
: |
1.000.000 Eur |
|
Turnover Range |
: |
3.750.000/5.000.000 Eur |
|
Number of Employees |
: |
fom 6 to 10 |
Credit Analysis
|
Credit Opinion |
: |
70.000 - Eur |
Activity
Wholesale of rude rubber, plastics in
primary forms and semi-finished
Retail sale of wallpaper and floor coverings
(carpet and linoleum)
Legal Data
Legal Form : Limited liability company
|
Fiscal Code : 02006960484 |
|
Foreign Trade Reg. no. : FI027974 since
09/01/1992 |
|
Chamber of Commerce no. : 361871 of
Firenze since 16/03/1984 |
|
Firms' Register : FI017-37666 since
19/02/1996 |
|
V.A.T. Code : 02006960484 |
|
Trade Agents Licence : 17495 since
25/09/1984 |
|
Foundation date |
: 14/11/1983 |
|
|
Establishment date |
: 14/11/1983 |
|
|
Start of Activities |
: 14/11/1983 |
|
|
Legal duration |
: 31/12/2050 |
|
|
Nominal Capital |
: 115.000 |
Eur |
|
Subscribed Capital |
: 115.000 |
Eur |
|
Paid up Capital |
: 115.000 |
Eur |
Members
|
Zanaga |
Rodolfo |
|
|
|
Born in Firenze |
(FI) |
on 23/10/1936 |
- Fiscal Code : ZNGRLF36R23D612B |
|
|
|
Residence : |
Via |
Bugiardini |
, 18 |
- 50143 |
Firenze |
(FI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Chairman |
|
|
|
|
|
No Protests
registered |
|
|
Zanaga |
Giampiero |
|
|
|
Born in Firenze |
(FI) |
on 04/07/1934 |
- Fiscal Code : ZNGGPR34L04D612V |
|
|
|
Residence : |
Via |
Ragionieri |
, 3 |
- 50019 |
Sesto Fiorentino |
(FI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Managing Director |
|
|
|
|
Technical Manager |
|
|
|
|
|
No Protests
registered |
|
|
Zanaga |
Giuliana |
|
|
|
Born in Firenze |
(FI) |
on 18/03/1932 |
- Fiscal Code : ZNGGLN32C58D612G |
|
|
|
Residence : |
Via |
Benedetto Varchi |
, 33 |
- 50132 |
Firenze |
(FI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
|
|
|
|
|
No Protests
registered |
|
|
Baracchi |
Alessio |
|
|
|
Born in Firenze |
(FI) |
on 14/11/1971 |
- Fiscal Code : BRCLSS71S14D612X |
|
|
|
Residence : |
Via |
Aretina |
, 109 |
- 50065 |
Pontassieve |
(FI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
13/03/2009 |
|
|
|
|
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.
|
|
ZANAGA |
RODOLFO |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
KOBEL ITALIA - S.R.L. |
Firenze (FI) - IT - |
01699200489 |
Chairman and
Managing Director |
Withdrawn |
Registered |
|
|
ZANAGA |
GIAMPIERO |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
KOBEL ITALIA - S.R.L. |
Firenze (FI) - IT - |
01699200489 |
Managing
Director |
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 |
|
Zanaga Rodolfo |
Firenze - IT - |
ZNGRLF36R23D612B |
53.475 .Eur |
46,50 |
|
Zanaga Giampiero |
Sesto Fiorentino - IT - |
ZNGGPR34L04D612V |
53.475 .Eur |
46,50 |
|
Baracchi Alessio |
Pontassieve - IT - |
BRCLSS71S14D612X |
8.050 .Eur |
7,00 |
Direct Participations
The Company under review has no
participations in other Companies.
Firm's location and structure
In order to carry out its activities the
firm uses the following locations:
|
- |
Legal and
operative seat |
|
since 29/09/2008 |
|
|
|
|
|
Via |
Pantano |
, 16/E |
- 50013 |
- Campi Bisenzio |
(FI) |
- IT - |
|
|
|
|
PHONE |
: 055/784641 |
|
|
|
|
FAX |
: 055/7331312 |
|
|
|
|
Employees |
: 10 |
|
Fittings and Equipment for a value of
70.000 |
Eur |
|
Stocks for a value of 1.440.000 |
Eur |
The firm has a direct commercial
organization
Sales area on a regional scale.
Transports are mainly done using own
vehicles and third parties ones
The company sells mainly to retailers and
local consumers
|
|
Subject generally proposes terms of sale
between 30 and 60 days.
Subject usually collects by cash order and
drafts.
Purchases are mainly paid with terms of
30/90 days.
Payments are settled by cash order and
drafts.
Import comes generally from the following
nations:
|
- Belgio |
|
- Austria |
|
- Francia |
|
- Olanda |
|
- Germania |
Historical Information and/or Firm's Status
EX-MEMBERS /
EX-POSITIONS:
|
|
Bandettini |
Antonio |
|
|
|
Born in Firenze |
on 14/07/1941 |
- Fiscal Code : BNDNTN41L14D612E |
|
|
|
Residence : |
Via |
Di Monteloro |
, 51 |
- 50065 |
Pontassieve |
(FI) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Carti |
Gabrio |
|
|
|
Born in Firenze |
on 04/08/1942 |
- Fiscal Code : CRTGBR42M04D612R |
|
|
|
Residence : |
Via |
Molise |
, 17 |
- 50100 |
Firenze |
(FI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Zanaga |
Giuliana |
|
|
|
Born in Firenze |
on 18/03/1932 |
- Fiscal Code : ZNGGLN32C58D612G |
|
|
|
Residence : |
Via |
Benedetto Varchi |
, 33 |
- 50132 |
Firenze |
(FI) |
- IT - |
|
Ex-Postions |
|
Sole Director |
|
|
Cencetti |
Marco |
|
|
|
Born in Firenze |
on 21/04/1944 |
- Fiscal Code : CNCMRC44D21D612N |
|
|
|
Residence : |
Via |
Del Pancale |
, 30 |
- 50022 |
Greve in Chianti |
(FI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Reda Giannino |
|
|
|
|
Born in Firenze |
on 23/10/1936 |
- Fiscal Code : RDEGNN57R20H235O |
|
|
|
Residence : |
Via |
Bari |
, 48 |
- 87036 |
Rende |
(CS) |
- IT - |
|
Ex-Postions |
|
Chairman |
|
|
Albarello
Rolando |
|
|
|
|
Born in FIRENZE |
on 04/07/1934 |
- Fiscal Code : LBRRND72S21A132Q |
|
|
|
Residence : |
Via |
Degli Aranci |
- 04011 |
Aprilia |
(LT) |
- IT - |
|
Ex-Postions |
|
Managing Director |
|
Technical Manager |
|
|
Leonardis Maria
Immacolata |
|
|
|
|
Born in FIRENZE |
on 18/03/1932 |
- Fiscal Code : LNRMMM66T48G288H |
|
|
|
Residence : |
Via |
Mazzini |
, 28 |
- 89015 |
Palmi |
(RC) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Natfood Puglia
S.r.l. |
|
|
|
|
Born in FIRENZE |
on 26/10/1948 |
- Fiscal Code : 06791470724 |
|
|
|
Residence : |
Via |
Degli Imbianchini |
, 9 |
- 70026 |
Modugno |
(BA) |
- IT - |
|
Ex-Postions |
|
Technical Manager |
|
|
Natfood Bergamo
S.r.l. |
|
|
|
|
Born in Firenze |
on 23/06/1926 |
- Fiscal Code : 03553070164 |
|
|
|
Residence : |
Via |
Vivaldi |
, 27 |
- 24060 |
Credaro |
(BG) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Bdh Food Design
S.p.a. In Sigla Bdh |
S.p.a. |
|
|
|
Born in GENOVA |
on 23/09/1963 |
- Fiscal Code : 02296340355 |
|
|
|
Residence : |
Via |
Bosco |
, 99/A |
- 42019 |
Scandiano |
(RE) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Gelosia S.r.l. |
|
|
|
|
Born in Arezzo |
on 13/10/1930 |
- Fiscal Code : 02333550354 |
|
|
|
Residence : |
Via |
Bosco |
, 99/A |
- 42019 |
Scandiano |
(RE) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Coiffeur Di
Pasquini Giuseppe S.n.c. |
|
|
|
|
Born in FIRENZE |
on 26/12/1963 |
- Fiscal Code : 01315240505 |
|
|
|
Residence : |
Lungarno |
Sonnino Sidney |
, 9 |
- 56125 |
Pisa |
(PI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
General Store Di
Giannoni David E C. S.a |
.s. |
|
|
|
Born in FIRENZE |
on 30/07/1940 |
- Fiscal Code : 01332630035 |
|
|
|
Residence : |
Via |
Oberdan |
, 31 |
- 56100 |
Pisa |
(PI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
LOTTI |
DANIELA |
|
|
|
Born in FIRENZE |
on 17/04/1954 |
- Fiscal Code : LTTDNL54D57D612L |
|
|
|
Residence : |
Via |
AMMIRATO SCIPIONE |
, 67 |
- 50100 |
Firenze |
(FI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Carti |
Giacomo |
|
|
|
Born in Firenze |
on 07/07/1969 |
- Fiscal Code : CRTGCM69L07D612Y |
|
|
|
Residence : |
Via |
Delle Cascine |
, 62 |
- 50018 |
Scandicci |
(FI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Ghini |
Stefano |
|
|
|
Born in Firenze |
on 09/10/1971 |
- Fiscal Code : GHNSFN71R09D612B |
|
|
|
Residence : |
Via |
Belgio |
, 7 |
- 50100 |
Firenze |
(FI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
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 1983.
Balance sheets for the years 2007, 2008 and
2009 were analyzed.
During the last years, it achieved profits
(r.o.e. 6,15% on 2009) but without a significant increase in the turnover.
The operating result in 2009 was positive
(4,22%) and in line with the sector's average.
The operating result is positive and amounts
to Eur. 198.697 , with no sizeable change as opposed to the year before.
The economic management produced a gross
operating margin of Eur. 294.613 stable if compared to the financial year 2008.
The financial status of the company is
fairly balanced with an indebtedness level of 3,94 but with an increase as
against the previous accounting period.
The equity capital is equal to Eur. 824.047
, stable in comparison with the value of the previous year.
During the last financial year debts
totalled Eur. 3.671.258 (Eur. 388.077 of which were m/l term debts) with no
important change.
Liquidity is good.
During financial year 2009 the cash flow
amounted to Eur. 146.603
During 2009 financial year labour costs
amounted to Eur. 344.547, with a 7,64% incidence on production costs. , with a
7,45% incidence on turnover.
The incidence percentage of financial
charges on sales volume is equal to -1,82%.
Financial Data
|
|
|
Complete balance-sheet for the year |
31/12/2009 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
4.621.716 |
|
Profit (Loss) for the period |
50.687 |
|
|
|
Complete balance-sheet for the year |
31/12/2008 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
4.499.267 |
|
Profit (Loss) for the period |
50.358 |
|
|
|
Complete balance-sheet for the year |
31/12/2007 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
4.483.378 |
|
Profit (Loss) for the period |
43.062 |
|
|
|
Complete balance-sheet for the year |
31/12/2006 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
3.779.520 |
|
Profit (Loss) for the period |
26.527 |
|
|
|
Complete balance-sheet for the year |
31/12/2005 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
4.028.065 |
|
Profit (Loss) for the period |
11.634 |
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 31/12/2009 - 12 Mesi - Currency: Eur - Amounts x 1 |
|
- Balance Sheet
as at 31/12/2008 - 12 Mesi - Currency: Eur - Amounts x 1 |
|
- Balance Sheet
as at 31/12/2007 - 12 Mesi - Currency: Eur - Amounts x 1 |
|
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|
|
RATIOS |
Value Type |
as at 31/12/2009 |
as at 31/12/2008 |
as at 31/12/2007 |
Sector Average |
|
COMPOSITION ON
INVESTMENT |
|
|
|
|
|
|
Rigidity Ratio |
Units |
0,08 |
0,07 |
0,02 |
0,10 |
|
Elasticity Ratio |
Units |
0,92 |
0,92 |
0,96 |
0,88 |
|
Availability of stock |
Units |
0,31 |
0,29 |
0,27 |
0,21 |
|
Total Liquidity Ratio |
Units |
0,61 |
0,63 |
0,69 |
0,60 |
|
Quick Ratio |
Units |
0,01 |
0,02 |
0,09 |
0,02 |
|
COMPOSITION ON
SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
3,94 |
3,07 |
2,15 |
4,25 |
|
Self Financing Ratio |
Units |
0,18 |
0,18 |
0,19 |
0,15 |
|
Capital protection Ratio |
Units |
0,71 |
0,69 |
0,69 |
0,63 |
|
Liabilities consolidation quotient |
Units |
0,17 |
0,30 |
0,50 |
0,10 |
|
Financing |
Units |
4,46 |
3,97 |
3,79 |
5,13 |
|
Permanent Indebtedness Ratio |
Units |
0,30 |
0,37 |
0,45 |
0,27 |
|
M/L term Debts Ratio |
Units |
0,12 |
0,18 |
0,26 |
0,06 |
|
Net Financial Indebtedness Ratio |
Units |
n.c. |
2,37 |
1,79 |
1,37 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
3,73 |
5,07 |
16,03 |
2,27 |
|
Current ratio |
Units |
1,32 |
1,50 |
1,86 |
1,17 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,88 |
1,02 |
1,33 |
0,88 |
|
Structure's primary quotient |
Units |
2,20 |
2,54 |
6,81 |
1,41 |
|
Treasury's primary quotient |
Units |
0,01 |
0,04 |
0,19 |
0,04 |
|
Rate of indebtedness ( Leverage ) |
% |
571,16 |
526,77 |
512,78 |
642,31 |
|
Current Capital ( net ) |
Value |
1.039.020 |
1.265.146 |
1.728.246 |
237.601 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
3,17 |
2,49 |
2,02 |
2,35 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
6,15 |
6,51 |
5,71 |
9,18 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
14,18 |
14,65 |
15,37 |
24,88 |
|
Return on Investment ( R.O.I. ) |
% |
4,22 |
5,67 |
6,02 |
5,29 |
|
Return/ Sales |
% |
4,30 |
5,13 |
5,18 |
3,80 |
|
Extra Management revenues/charges incid. |
% |
25,51 |
21,79 |
18,51 |
29,89 |
|
Cash Flow |
Value |
146.603 |
112.072 |
90.979 |
72.037 |
|
Operating Profit |
Value |
198.697 |
231.104 |
232.545 |
111.392 |
|
Gross Operating Margin |
Value |
294.613 |
292.818 |
280.462 |
157.181 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
n.c. |
194,00 |
181,44 |
122,43 |
|
Debts to suppliers average term |
Days |
n.c. |
87,58 |
95,50 |
140,58 |
|
Average stock waiting period |
Days |
111,92 |
95,25 |
84,24 |
50,79 |
|
Rate of capital employed return ( Turnover
) |
Units |
0,98 |
1,10 |
1,16 |
1,45 |
|
Rate of stock return |
Units |
3,22 |
3,77 |
4,27 |
7,00 |
|
Labour cost incidence |
% |
7,45 |
8,93 |
7,87 |
7,00 |
|
Net financial revenues/ charges incidence |
% |
- 1,82 |
- 2,55 |
- 2,44 |
- 0,99 |
|
Labour cost on purchasing expenses |
% |
7,64 |
9,21 |
8,05 |
7,12 |
|
Short-term financing charges |
% |
2,36 |
3,73 |
3,94 |
2,32 |
|
Capital on hand |
% |
101,84 |
90,54 |
86,12 |
68,54 |
|
Sales pro employee |
Value |
660.245 |
374.938 |
407.579 |
481.724 |
|
Labour cost pro employee |
Value |
49.221 |
33.486 |
32.107 |
33.060 |
Credit Opinion
On the basis of the above mentioned, and the
sales volume obtained, we deem that the maximum exposure for short and medium
term transactions ( 90 - 120 days ) could be of:
70.000
Eur.
Market / Territory Data
|
Population living in the province |
: |
965.388 |
|
Population living in the region |
: |
3.598.269 |
|
Number of families in the region |
: |
1.474.681 |
Monthly family expenses average in the
region (in Eur.) :
|
- per food products |
: |
444 |
|
- per non food products |
: |
2.009 |
|
- per energy consume |
: |
122 |
Sector Data
The values are calculated on a base of 6.137
significant companies.
The companies cash their credits on an
average of 122 dd.
The average duration of suppliers debts is
about 140 dd.
The sector's profitability is on an average
of 2,35%.
The labour cost affects the turnover in the
measure of 7,00%.
Goods are held in stock in a range of 50 dd.
The difference between the sales volume and
the resources used to realize it is about 1,45.
The employees costs represent the 7,12% of
the production costs.
Statistical Detrimental Data
The area is statistically considered
moderately risky.
In the region 24.960 protested subjects are
found; in the province they count to 5.242.
The insolvency index for the region is 0,70,
, while for the province it is 0,55.
Total Bankrupt companies in the province :
6.520.
Total Bankrupt companies in the region :
20.423.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.44.69 |
|
UK Pound |
1 |
Rs.73.12 |
|
Euro |
1 |
Rs.64.39 |
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.