MIRA INFORM REPORT
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Report Date : |
28.05.2011 |
IDENTIFICATION DETAILS
|
Name : |
CAJA RURAL CENTRAL SOCIEDAD COOPERATIVA DE
CREDITO |
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Registered Office : |
Calle Doctor Jose Maria Sarget, 29, 03300 Orihuela
Alicante |
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Country : |
Spain |
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Date of Incorporation : |
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Legal Form : |
Cooperative |
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Line of Business : |
RATING & COMMENTS
|
MIRA’s Rating : |
B |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
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Status : |
Moderate |
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Payment
Behaviour : |
Unknown |
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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, 2011
|
Country Name |
Previous Rating (31.12.2010) |
Current Rating (31.03.2011) |
|
Spain |
a2 |
a2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
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Restricted |
C2 |
|
Off-credit |
D |
Company Name
CAJA RURAL CENTRAL SOCIEDAD COOPERATIVA DE CREDITO
TAX NUMBER: F03014677
EXECUTIVE SUMMARY
Identification
Current Business Name: CAJA RURAL CENTRAL SOCIEDAD COOPERATIVA DE
CREDITO
Other names: YES
Current Address: CALLE DOCTOR JOSE MARIA
SARGET, 29
Branches: 74
Telephone number: 966747824 Fax: 966747800
URL: www.ruralcentral.es
Corporate e-mail: crcentral@cajarural.com
Trade Risk
Incidents: NO
R.A.I.: NO
Bank and business defaults of payment - ASNEF EMPRESAS: NO
Financial Information
Balance sheet latest sales : For its legal form
the subject has no obligation to present its financial statement in the
Mercantile Register.
Social Capital: 30.257.000,00 €
Employees: 250
Listed on a Stock Exchange: NO
Commercial Information
Incorporation date: 24/02/1945
Activity: Other monetary inter.
NACE 2009 CODE: 6419
International Operations: It does not import nor export
Corporate Structure
Governing Board President:
Participations: 7
Other Complementary Information
Latest filed accounts published in the Mercantile Register: 2009
Type of Accounts available at the Mercantile Register: Individuals
Latest act published in BORME: 04/05/2011 Appointments
Latest press article: 29/09/2010 LEVANTE EL MERCANTIL
VALENCIANO (GENERAL INFORMATION)
Bank Entities: There are
The date when this report was last updated is 26/05/2011.
Summary
LEGAL ACTIONS: No legal actions registered
ADMINISTRATIVE CLAIMS: No administrative claims registered
AFFECTED BY:
4 Company / Companies in Insolvency Proceedings.
BANK AND BUSINESS DEFAULTS OF
PAYMENT - ASNEF EMPRESAS 
COMPANY NOT REGISTERED IN THE R.A.I.
This company is not registered in the Disputed Bills register (R.A.I.)
DATE AND TIME OF THE CONSULTATION
23/05/2011 08:05:10
Information from the Registro de Aceptaciones Impagados (RAI)- Disputed
Bills register.
It can only be used for information legitimate needs of the consulting
party, in accordance with its social or business activity, in order to grant a
credit or the monitoring or control of the already granted credits and can not
be transmitted or communicated to thirds, nor copied, duplicated, reproduced
nor implemented to any database , owned or external, or reused it in anyway,
direct or indirectly.
FINANCIAL ELEMENTS AND SECTORIAL COMPARATIVE
FINANCIAL ELEMENTS
Figures given in €
|
|
2007 (12) OWN SOURCES |
|
PROFIT AND LOSS ACCOUNT ANALYSIS |
|
|
NET RESULT |
7.247.000,00 |
Facts subsequent
to the closing
Source: Annual financial report 2009
Posterior to the closure there were no relevant facts that require the
inclusion in the annual accounts.
company ADDRESSES
Current Legal Seat Address:
CALLE DOCTOR JOSE MARIA SARGET, 29
03300 ORIHUELA ALICANTE
Previous Seat Address:
CALLE DOCTOR JOSE MARIA SARGET 51
03300 ORIHUELA
ALICANTE
|
STREET |
POSTAL CODE |
TOWN |
PROVINCE |
|
URBANIZACION AGUA MARINA, - ED FARO |
03189 |
ORIHUELA |
Alicante |
|
AVENIDA ALCALDE JOSE RODRIGUEZ, 15 |
03150 |
DOLORES |
Alicante |
|
CARRETERA ALICANTE-MURCIA, 1 |
03311 |
ORIHUELA |
Alicante |
|
CALLE AMALIA ORTUÑO, 13 |
03312 |
ORIHUELA |
Alicante |
|
RAMBLA BAJA, 34 |
03360 |
CALLOSA DE SEGURA |
Alicante |
|
CARRETERA BIGASTRO, S/N - CORRENTIAS MEDIAS |
03321 |
ORIHUELA |
Alicante |
|
CALLE CALDERON DE LA BARCA (ORIHUELA), 11 |
03300 |
ORIHUELA |
Alicante |
|
CALLE CALVO SOTELO, 7 |
03170 |
ROJALES |
Alicante |
|
CALLE CAMINO DE ENMEDIO (ORIHUELA) |
03300 |
ORIHUELA |
Alicante |
|
AVENIDA CARMEN, 45 |
03350 |
COX |
Alicante |
There are 74 branches registered
|
STREET |
POSTAL CODE |
TOWN |
PROVINCE |
|
PLAZA ESPAÑA, 8 |
03340 |
ALBATERA |
Alicante |
|
CALLE ARQUITECTO EMILIO PIÑERO, 11 |
30007 |
MURCIA |
Murcia |
|
CALLE DOÑA ALEJANDRINA, 1 |
03369 |
RAFAL |
Alicante |
|
PLAZA DE LA IGLESIA (SANTOMERA), 2 |
30140 |
SANTOMERA |
Murcia |
|
AVENIDA L’ALEGRIA, 38 |
03194 |
ELCHE |
Alicante |
There are 12 former branches registered
CORPORATE STRUCTURE
ADMINISTRATIVE
LINKS
|
|
|
|
|
|
Distribution of the administration board |
|
|
Governing body : 12 members (latest change:
23/08/2010) Other Positions : 187 (latest change: 26/05/2011) Auditor : 1 (latest change: 24/08/2010) Operative Board Members : 6 (latest change: 28/12/2007) Non-current positions : 43 (latest change: 26/05/2011) |
|
|
Main Board
members, Directors and Auditor
Governing body
|
POSITION |
NAME AND SURNAME |
DATE APPOINTMENT |
|
GOVERNING BOARD PRESIDENT |
BASCUNANA SANCHEZ, NICANOR |
29/08/2008 |
|
GOVERNING BOARD VICE-PRESIDENT |
TAFALLA CARTAGENA, FRANCISCO |
23/08/2010 |
|
GOVERNING BOARD MANAGING DIRECTOR |
SIMON VALERO, PRIMO |
19/04/1993 |
|
GOVERNING BOARD MANAGING DIRECTOR |
BUENO ESQUER, ANIBAL |
28/04/1994 |
|
GOVERNING BOARD MANAGING DIRECTOR |
GARCIA GRACIA, FEDERICO |
31/12/2003 |
|
GOVERNING BOARD MANAGING DIRECTOR |
MARTINEZ TOME, JUAN |
31/12/2003 |
|
GOVERNING BOARD MANAGING DIRECTOR |
ORTUNO PLAZA, JOAQUIN |
31/12/2003 |
|
GOVERNING BOARD MANAGING DIRECTOR |
ALONSO MIRAVETE, ANTONIO J |
31/12/2006 |
|
GOVERNING BOARD MANAGING DIRECTOR |
GARCIA MOLINA RIQUELME, ANTONIO |
31/12/2006 |
|
|
|
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Auditor
|
POSITION |
NAME AND SURNAME |
DATE APPOINTMENT |
|
AUDITOR |
PRICEWATERHOUSECOOPERS AUDITORES SL |
24/08/2010 |
There are 200 board members, directors and auditors registered
|
POSITION |
NAME AND SURNAME |
|
General Manager |
RUIZ ESCUDERO, MANUEL |
|
Financial Manager |
MONZON PINEDA, MIGUEL |
|
Human Resources Director |
CABRERA LOPEZ, MONSERRATE |
|
Commercial Director |
CARRILLO BERMEJO, GREGORIO |
|
Marketing Director |
CARRILLO BERMEJO, GREGORIO |
|
IT Director |
DIAZ ACTERIANO |
FINANCIAL LINKS
|
|
BUSINESS NAME |
CIF / COUNTRY |
% |
SOURCE |
DATE REP. |
|
|
COOPERATIVA AGRICOLA CATOLICA DE ORIHUELA |
F03014669 |
2,51 |
OWN SOURCES |
11/11/2008 |
|
|
MANUFACTURAS CANARIAS REUNIDAS SA |
A35000538 |
Indef. |
OWN SOURCES |
31/07/2007 |
|
|
SAMAFRU SA |
A30431159 |
Indef. |
OWN SOURCES |
31/07/2007 |
There are 3 direct financial links through shareholders
registered
|
|
BUSINESS NAME |
CIF / COUNTRY |
% |
SOURCE |
DATE REP. |
|
|
TERRAPILAR SA |
A03081437 |
Indef. |
OWN SOURCES |
31/07/2007 |
|
|
BUSINESS NAME |
CIF / COUNTRY |
% |
SOURCE |
DATE REP. |
|
|
RURAL CENTRAL ENERGIAS ALTERNATIVAS S.L. |
B54269469 |
100,00 |
B.O.R.M.E. |
18/09/2007 |
|
|
RURAL INVERSION SINDICADA SICAV S.A. |
A85498210 |
6,47 |
TRADE REG. |
31/12/2009 |
|
|
CAJA DE CREDITO COOPERATIVO SOCIEDAD COOPERATIVA DE CREDITO |
F28457075 |
5,21 |
CINCO DIAS |
29/08/2007 |
|
|
UNION DE EMPRESARIOS MURCIANOS SOCIEDAD DE GARANTIA RECIPROCA |
V30048086 |
0,70 |
TRADE REG. |
31/12/2009 |
|
|
ESPIGA CAPITAL INVERSION SOCIEDAD DE CAPITAL RIESGO DE REGIMEN
SIMPLIFICADO S.A. |
A82011628 |
Indef. |
OWN SOURCES |
14/11/2006 |
|
|
BANCO COOPERATIVO ESPANOL SA |
A79496055 |
Indef. |
TRADE REG. |
31/12/2003 |
|
|
SOCIEDAD DE GARANTIA RECIPROCA DE LA COMUNITAT VALENCIANA |
V46168308 |
Indef. |
TRADE REG. |
31/12/2008 |
There are 7 direct financial links through participations
registered
POTENTIAL LINKS
Search for Link by
Administrator
Search Criterion: ”NICANOR BASCUNANA SANCHEZ”
|
COMPANY |
POSITION |
PROVINCE |
|
RURAL CENTRAL ENERGIAS ALTERNATIVAS S.L. |
Presidente |
ALICANTE |
|
FEDERACION DE CAJAS RURALES COOP DE CREDITO DE LA COMUNIDAD VALENCIANA |
Vicepresidente |
VALENCIA |
|
BANCO COOPERATIVO ESPAÑOL SA |
Consejero |
MADRID |
In case you need more information you can request:Board Members
Monitoring
Search Criterion: ”CAJA RURAL CENTRAL SOCIEDAD COOPERATIVA DE
CREDITO”
URL: www.ruralcentral.es
Información Legal - Caja Rural Central Caja Rural Central. Sociedad
Cooperativa de Crédito. Entidad de Crédito sujeta a la supervisión del Banco de
España. Caja Calificada. ...
URL: www.fgd.es
Cooperativas de Crédito - FGD Fondos de Garantía de Depósitos CAJA RURAL
CATÓLICO AGRARIA, SOCIEDAD COOPERATIVA DE CRÉDITO VALENCIANA. VILLARREAL DE LOS
INFANTES (CASTELLÓN). CAJA RURAL CENTRAL, SOCIEDAD COOPERATIVA DE ...
URL: www.boe.es
Anuncio 13390 del BOE núm. 92 de 2011 18 Abr 2011 ... Caja Rural Central,
Sociedad Cooperativa de Crédito. - Orihuela (Alicante). Caja Rural Comarcal de
Mota del Cuervo, Sociedad Cooperativa ...
URL: www.aeat.es
Agencia Tributaria - Castellano - Cajas Rurales - Cooperativas de ... Credit
Valencia, Caja Rural Cooperativa de Crédito Valenciana, C/Santa María Micaela,
6 - 46008 Valencia, 13/06/2007. Caja Rural Central, Sociedad ...
URL: www.helpmycash.com
Tarjetas Caja Rural Central | HelpMyCash.com (lista)
2011-02-28 16:11:44 ...al de Los Infantes (Castellón). Caja Rural Central,
Sociedad Cooperativa de Crédito. Orihuela (Alicante). ...
BUSINESS INFORMATION
Incorporation date: 24/02/1945
Activity beginning date: 29/04/1945
Activity: Other monetary inter.
NACE 2009 CODE: 6419
NACE 2009 Activity: Other monetary intermediation
Business: REALIZACION Y FOMENTO DEL CREDITO AGRARIO.
Latest employees figure: 250 (2007)
% of men: 61,84%
% of women: 38,16%
Source: Annual financial report 2009
|
CATEGORY |
AVERAGE NUMBER OF EMPLOYEES |
MEN |
WOMEN |
|
Distribution by sexes |
|
175 |
108 |
COMMERCIAL OPERATIONS
SALES
Regional Distribution: 100%
|
ENTITY |
BRANCH |
ADDRESS |
TOWN OR CITY |
PROVINCE |
|
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. |
4750 |
LOACES, 7 Y 9 |
ORIHUELA |
Alicante |
|
BANCO SANTANDER, S.A. |
0242 |
CL CALDERON DE LA BARCA 9 APDO. 00006 |
ORIHUELA |
Alicante |
There are 2 bank entities registered
Brand name: CAJA RURAL CENTRAL (Valid)
Type: JOINT Scope: NATIONAL Date: 21/10/2005
Brand name: CAJA RURAL ORIHUELA (Valid)
Type: JOINT Scope: NATIONAL Date: 21/10/2005
Brand name: CAJAVEGA (Valid)
Type: JOINT Scope: NATIONAL Date: 21/10/2005
There are 3 brands, signs and commercial names
LEGAL STRUCTURE
Constitution Data
Register Date: 29/04/1945
Register town: Alicante
Announcement number: 143415
Social Capital: 1.645.721,39 €
Legal form: Cooperative
Social Capital: 30.257.000,00 €
Paid-up capital: 30.257.000,00 €
Obligation to fill in Financial Statements: NO
Chamber census: YES (2009)
B.O.R.M.E.
(OFFICIAL COMPANIES
REGISTRY GAZETTE)
· Acts on activity: 0
· Acts on administrators: 391 (Last: 04/05/2011, first: 19/04/1993)
· Acts on capital: 0
· Acts on creation: 1 (Last: 19/04/1993)
· Acts on filed accounts: 17 (Last: 19/10/2010, first: 12/09/1994)
· Acts on identification: 0
· Acts on Information: 5 (Last: 14/11/2006, first: 27/07/1994)
Latest acts in
B.O.R.M.E.
Other acts
|
ACT |
DATE |
NOTICE NUM. |
TRADE REGISTER |
|
Appointments |
04/05/2011 |
190574 |
Alicante |
|
Appointments |
29/04/2011 |
187337 |
Alicante |
|
Resignations |
10/12/2010 |
453516 |
Alicante |
|
Appointments |
09/12/2010 |
451732 |
Alicante |
|
Re-elections |
24/08/2010 |
328424 |
Alicante |
|
Re-elections |
23/08/2010 |
327191 |
Alicante |
|
Resignations |
23/07/2010 |
289650 |
Alicante |
|
Resignations |
23/06/2010 |
249068 |
Alicante |
Latest filed accounts
|
ACT |
DATE |
NOTICE NUM. |
TRADE REGISTER |
|
Annual Filed Accounts (2009) |
19/10/2010 |
848392 |
Alicante |
|
Annual Filed Accounts (2008) |
11/08/2009 |
197225 |
Alicante |
|
Annual Filed Accounts (2007) |
28/07/2008 |
218204 |
Alicante |
There are 414 acts registered
PRESS ARTICLES
Press summary by
type of information (last five years)
Legal notices: 0
Structural Data: 0
Informative data: 3 (Last: 29/09/2010, first: 04/04/2008)
Financial Information: 2 (Last: 02/02/2008, first: 31/01/2007)
Negative information: 0
Business lines: 0
Historical press releases: 4 (Last: 02/02/2003, first:
13/07/1994)
Latest press
article published
29/09/2010 LEVANTE EL MERCANTIL
VALENCIANO (Page 36) GENERAL INFORMATION
El consejo rector del GRUPO CRM (Cajas Rurales del Mediterráneo),
capitaneado por RURALCAJA, ratificó el 28/09/10 su participación, junto con
otras 18 cooperativas de crédito españolas, en un Sistema Institucional de
Protección (SIP) de carácter normativo, es decir, con un nivel de integración
de perfil bajo, no consolidarán cuentas en una única entidad, motivo por el
cual la CAJA RURAL DE ASTURIAS decidió el 23/09/10 no firmar el acuerdo
suscrito por las otras 19 entidades: Albacete, Aragón, Aragonesa y de los
Pirineos, Burgos, Central (Orihuela), Córdoba, Cuenca, Extramadura, Gallega,
Granada, Jaén, Navarra, Salamanca, Caja7, Sur, Soria, teruel, Zamora y el Grupo
CRM.
25/09/2010 LEVANTE EL MERCANTIL
VALENCIANO (Page 39) GENERAL INFORMATION
GRUPO CAJA RURAL, liderado por CRM que encabeza RURALCAJA y del que
forma parte la CAJA RURAL CENTRAL de Orihuela, fue aprobado el 23/09/10 por los
presidentes de 19 entidades cooperativas de crédito de toda España como un SIP,
con la oposición para ir más allá de la caja de Navarra.
Los socios tienen hasta el 01/10/10 para aprobar la constitución del
grupo en sus consejos rectores. El de CRM ha sido convocado para el 28/09/10.
El GRUPO CAJA RURAL no exigirá unanimidad de sus miembros para aprobar
la incorporación de nuevos socios. En el horizonte está la treintena de rurales
que trabajan en su propio SIP (como CAIXA POPULAR y VILA-REAL) y que podrían
incorporarse ahora a este grupo.
04/04/2008 INFORMATION - GENERAL INFORMATION
EL GRUPO MURCIANO HISPANIA HA ACORDADO HACERSE CON EL SOLAR DE ORO DEL
CASCO URBANO DE ORIHUELA, DESBARATANDO A ULTIMA HORA LAS EXPECTATIVAS DE LA
CAJA RURAL CENTRAL DE UBICAR EN LA C/ CALDERON DE LA BARCA SU NUEVA SEDE. LA
ENTIDAD FINANCIERA, CON 70 SUCURSALES EN ALICANTE Y MURCIA, TENIA PREVISTO
LEVANTAR SU EDIFICIO CORPORATIVO EN ESTE EMPLAZAMIENTO, SEGUN FUENTES CERCANAS
A LA OPERACION. LA PROPIETARIA VENDEDORA, SAN ANTONIO, YA HABIA ALCANZADO UN
ACUERDO NO EXPRESADO FORMALMENTE, PARA QUE LA ENTIDAD DE AHORRO SE HICIERA CON
EL TERRENO.
02/02/2008 INFORMATION - FINANCIAL DATA
CAJA RURAL CENTRAL, EN ORIHUELA, HA OBTENIDO UN BENEFICIO NETO DE 7,2
MM. DE EUROS EN 2007, LO QUE SUPONE UN INCREMENTO DEL 15,90% RESPECTO DEL
EJERCICIO ANTERIOR. ASIMISMO, LA ENTIDAD DURANTE 2007, ABRIO DOS NUEVAS
SUCURSALES, 1 EN RAIGUERO DE BONANZA Y OTRA EN LA LOCALIDAD DE DOLORES, CON LO
QUE CUENTA YA CON 70 SUCURSALES UBICADAS EN ALICANTE Y MURCIA. POR OTRO LADO,
EN TERMINOS FINANCIEROS, EL CRECIMIENTO SE PRODUCE COMO CONSECUENCIA DEL
INCREMENTO DEL VOLUMEN DE NEGOCIO DE 129 MM. DE EUROS LO QUE SUPONE UN 7,67%
MAS. SEGUN LA CAJA, LOS ACTIVOS TOTALES ALCANZAN LOS 980 MM. DE EUROS, UN 7,88%
SUPERIOR A 2006. ASIMISMO, LA CAJA FORMA PARTE DEL GRUPO CAJA RURAL.
31/01/2007 EXPANSION DE VALENCIA - FINANCIAL
DATA
CAJA RURAL CENTRAL DE ORIHUELA CERRO EL PASADO EJERCICIO CON UN
BENEFICIO NETO DE 6,3 MM. DE EUROS, LO QUE REPRESENTA UN INCREMENTO DEL 73,94%
RESPECTO A 2005. EL MARGEN DE EXPLOTACION SE INCREMENTO UN 28,19%, AL ALCANZAR
LOS9,7 MM. DE EUROS. LA CAJA AMPLIO SU RED EL PASADO AÑO CON CUATRO NUEVAS
SUCURSALES, UNA EN ORIHUELA, Y TRES EN LA REGION DE MURCIA (CABEZO DE TORRES,
MOLINA DE SEGURA Y ARCHENA). EN TOTAL CAJA RURAL CENTRAL CUENTA YA CON 68
OFICINAS OPERATIVAS.
There are 9 press articles registered for this company
Complementary
Information
Financial Information
Los balances de esta sociedad no han sido cargados por tratarse de una
entidad financiera, teniendo como ultima información disponible el Depósito del
ejercicio 2009.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.45.21 |
|
UK Pound |
1 |
Rs.74.31 |
|
Euro |
1 |
Rs.64.40 |
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.