MIRA INFORM REPORT
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Report Date : |
11.04.2012 |
IDENTIFICATION DETAILS
|
Name : |
BÜHLER AG |
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Registered Office : |
Gupfenstrasse 5, 9240 Uzwil |
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Country : |
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Financials (as on) : |
31.12.2011 |
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Date of Incorporation : |
14.11.1962 |
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Com. Reg. No.: |
320.3.005.457-9 / 299435 |
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Legal Form : |
Company limited by shares |
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Line of Business : |
manufacture and |
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No. of Employees
: |
1'000-1'999 employees |
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 : |
CHF 1'800'000 |
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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, 2012
|
Country Name |
Previous Rating (31.12.2011) |
Current Rating (31.03.2012) |
|
Switzerland |
a1 |
a1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
Bühler AG
Gupfenstrasse 5
9240 Uzwil
Switzerland/CH
Telephone: 071
9551111
Fax: 071
9553379
Web site: http://www.buhlergroup.com/ch
E-mail: buhler.uzwil@buhlergroup.com
VAT-No.: CHE105968441
Established: 1860
History: 1967: Limited company
Line of Business: Machinery
Industry Division: Manufacturing
Industry-code (NACE): 2899 Manufacture of
other special-purpose machinery n.e.c.
2893 Manufacture of machinery for food, beverage
and tobacco processing
Import/Export: Export
Export sales: 97.0%
Quality certification: ISO 9001:2000
ISO
14001:2004
Banks: UBS
Ltd
Coverage: Company
Figures: estimated
Employees: 1'000-1'999
Sales: CHF
800 Mio - 1 Bil
The company is specializes in
the manufacture and sale of plant and equipment for processing basic foods and
manufacturing highgrade materials. The company is a global market leader in the
supply of flour production plants, pasta and chocolate production lines, animal
feed manufacturing installations, and aluminum die casting systems.
Information on property
ownership was not available.
Company No: 320.3.005.457-9
/ 299435
Legal form: Company
limited by shares
Registration: 14.11.1962
Legal status: active
Responsible Register: Handelsregister des Kantons St. Gallen
Auditor: Ernst
& Young AG ( CH-320.9.045.654-2 ), St. Gallen
History: Date
of Statutes: 11.06.1992
Date
of Statutes: 17.12.1991
Date
of Statutes: 26.06.2000
Date
of Statutes: 24.08.1995
Date
of Statutes: 27.04.1992
Date
of Incorporation Statutes: 07.11.1962
Date
of Statutes: 22.05.2008
Entry Deleted Name
active Bühler
AG
removed Interlease AG
removed Bühler AG St. Gallen
Entry Deleted Legal domicile
active Uzwil,
Switzerland
Entry Deleted Address
active Gupfenstrasse
5, 9240 Uzwil/SG, Switzerland/CH
Entry Deleted Capital
active Share
Capital CHF 30'000'000, paidup CHF 30'000'000
Entry Deleted Capital Structure
active 30'000
Registered shares of CHF 1'000.--
Entry Deleted Activity (original Language)
active Fabrikation
und Vertrieb von Erzeugnissen der Maschinen-, Metall-, Kunststoff- und
verwandter Industrien. Die Gesellschaft kann Zweigniederlassungen im In- und
Ausland errichten, sich an andern Unternehmen im In- und Ausland beteiligen
sowie Grundstücke erwerben.
Entry Deleted Remarks (original Language)
active Publishing
authority: SHAB.
active Reports:
Die Mitteilungen an die Aktionäre erfolgen durch eingeschriebenen Brief.
active Shares:
Die Übertragbarkeit der Namenaktien ist nach Massgabe der Statuten beschränkt.
08.05.2009 Merger:
Übernahme der Aktiven und Passiven der Innopan Ingredients AG, in Uzwil
(CH-320.3.055.613-2), gemäss Fusionsvertrag vom 29.04.2009 und Bilanz per
31.12.2008. Aktiven von CHF 60'793.93 und Passiven (Fremdkapital) von CHF
1'433'122.27, d.h. ein Passivenüberschuss von CHF 1'372'328.84, gehen auf die
übernehmende Gesellschaft über. Die übernehmende Gesellschaft weist gemäss
Bestätigung der zugelassenen Revisionsexpertin frei verwendbares Eigenkapital
im Umfang des Kapitalverlustes und der Überschuldung auf bzw. gemäss
Bestätigung der zugelassenen Revisionsexpertin liegen Rangrücktritte im Umfang
des Kapitalverlustes und der Überschuldung vor. Da dieselbe Aktionärin
sämtliche Aktien der an der Fusion beteiligten Gesellschaften hält, findet
weder eine Kapitalerhöhung noch eine Aktienzuteilung statt.
01.04.2008 Merger:
Die Gesellschaft übernimmt auf dem Wege der Fusion die Gebesa AG, in Herisau.
Aktiven von CHF 1'930'477.71 und Passiven von CHF 329'000.-- gehen gemäss
Fusionsvertrag vom 28.03.2001 und Fusionsbilanz per 01.01.2001 durch
Universalsukzession auf die Gesellschaft über, die bereits sämtliche Aktien der
übernommenen Gesellschaft besitzt. Dabei erlöschen diese Aktien, und das Aktienkapital
der übernehmenden Gesellschaft bleibt unverändert.
01.04.2008 Merger:
Grenzüberschreitende Fusion: Übernahme der Aktiven und Passiven der Bühler
Ges.m.b.H. in Salzburg (A) (FN 33935 f), einer GmbH nach dem Recht des Staates
Österreich, gemäss Fusionsvertrag vom 18.09.2006 und Bilanz per 30.06.2006.
Aktiven von EUR 1'674'786.87 und Fremdkapital von EUR 1'118'972.97 gehen auf
die übernehmende Gesellschaft über. Da die übernehmende Gesellschaft sämtliche
Anteile der übertragenden Gesellschaft hält, findet weder eine Kapitalerhöhung
noch eine Aktienzuteilung statt.
Title Name
President Urs
Bühler, Origin: Uzwil, Hombrechtikon, Switzerland, Address: Uzwil, Switzerland,
joint signature of two
Vice-President Dr.
Benno Schneider, Origin: Vilters-Wangs, Switzerland, Address: St. Gallen,
Switzerland, joint signature of two
Executive Director Dr. Konrad Hummler, Origin: St. Gallen, Thun,
Switzerland, Address: 9053 Teufen /AR, Switzerland, joint signature of two,
Registered since: 15.07.2010
Executive Director Peter Quadri, Origin: Zürich, Origlio,
Switzerland, Address: Erlenbach/ZH, Switzerland, joint signature of two
Executive Director Josef Meinrad Müller, Origin: Schmerikon,
Switzerland, Address: 1807 Blonay/VD, Switzerland, joint signature of two
Executive Director Calvin Grieder, Origin: Basel, Switzerland,
Address: Stein am Rhein, Switzerland, joint signature of two
Executive Director Hans Jörg Löliger, Origin: Pratteln,
Switzerland, Address: 8834 Schindellegi /SZ, Switzerland, joint signature of
two
Title Name
Member with signing authority Edwin Boller, Origin: Winterthur,
Switzerland, Address: Uzwil, Switzerland, joint signature of two
Member with signing authority Andreas Flückiger, Origin: Rohrbach, Switzerland,
Address: Niederuzwil , Switzerland, joint signature of two, Registered since:
09.09.2011
Member with signing authority Martin Müller, Origin: Hettlingen,
Switzerland, Address: Uzwil, Switzerland, joint signature of two
Member with signing authority Chrisooph Oswald, Origin: Aadorf,
Switzerland, Address: Uzwil, Switzerland, joint signature of two
Member with signing authority Luis Bruno Hernandez, Origin: Bäretswil,
Switzerland, Address: Glattfelden, Switzerland, joint signature of two
Member with signing authority Bruno Mendler, Origin: Muolen,
Switzerland, Address: Schaffhausen, Switzerland, joint signature of two
Member with signing authority Stefan Scheiber, Origin: Wil SG,
Switzerland, Address: Wil , Switzerland, joint signature of two
Member with signing authority Martin Schlauri, Origin: Oberbüren,
Switzerland, Address: Schönholzerswilen, Switzerland, joint signature of two
Member with signing authority Martin Menrath, Origin: Germany, Address:
St. Gallen, Switzerland, joint signature of two, Registered since: 23.01.2009
Member with signing authority Walter Baumberger, Origin: Mosnang,
Switzerland, Address: 9504 Friltschen/TG, Switzerland, joint signature of two,
Registered since: 02.06.2009
Member with signing authority Achim Klotz, Origin: Germany, Address:
Wil/SG, Switzerland, joint signature of two, Registered since: 15.10.2009
Member with signing authority Marcel Natterer, Origin: Neckertal,
Switzerland, Address: 9500 Wil /SG, Switzerland, joint signature of two,
Registered since: 19.01.2010
Member with signing authority Samuel Schaer, Origin: Huttwil,
Switzerland, Address: 4600 Olten/SO, Switzerland, joint signature of two,
Registered since: 19.01.2010
Member with signing authority Christian Walter, Origin: Solothurn,
Switzerland, Address: 9246 Niederbüren/SG, Switzerland, joint signature of two,
Registered since: 19.01.2010
Member with signing authority Dietmar Hauser, Origin: Germany, Address:
Friedberg , Germany, joint signature of two, Registered since: 21.09.2010
Member with signing authority Markus Schwab, Origin: Seedorf BE,
Switzerland, Address: 8000 Zürich/ZH, Switzerland, joint signature of two,
Registered since: 21.09.2010
Member with signing authority Jürgen Joachim, Origin: Germany, Address:
Konstanz , Germany, joint signature of two, Registered since: 08.11.2010
Member with signing authority Martin Stöckling, Origin: Lütisburg,
Rapperswil-Jona, Switzerland, Address: 8645 Jona/SG, Switzerland, joint
signature of two
Member with signing authority Dr. Peter Böhni, Origin: Amden, Switzerland,
Address: Hochdorf, Switzerland, joint signature of two
Member with signing authority Dieter Neuschuetz, Origin: Germany,
Address: 9242 Oberuzwil/SG, Switzerland, joint signature of two
Member with signing authority Andreas R. Herzog, Origin: Winterthur,
Switzerland, Address: Uetikon am See, Switzerland, joint signature of two
Member with signing authority Ill Hansjörg, Origin: St. Gallen,
Switzerland, Address: Trogen, Switzerland, joint signature of two, Registered
since: 09.09.2011
Member with signing authority Serge Erwin Entleitner, Origin: Austria,
Address: Koblach , Austria, joint signature of two, Registered since:
09.09.2011
Member Ruth
Metzler-Arnold, Origin: Willisau, Switzerland, Address: Appenzell, Switzerland,
joint signature of two, Registered since: 22.12.2011
Title Name
Chief Executive Officer Calvin Grieder
Chief Financial Officer Andreas R. Herzog
Chief Sales Officer Stefan Scheiber
Consolidation: consolidated
Industry: Trade/Industry
Fiscal year end: 31.12.2011 31.12.2010 31.12.2009 31.12.2008 31.12.2007
Number of months: 12 12 12 12 12
Currency: th.
CHF th. CHF th. CHF th. CHF th.
CHF
Statement norm: IAS IAS IAS IAS IAS
Balance Sheet
Intangible fixed assets 175'700.0 172'600.0 122'700.0 144'300.0 77'600.0
Land and buildings 177'100.0 165'300.0 157'500.0 133'400.0 248'600.0
Other tangible fixed assets 126'600.0 120'000.0 116'300.0 118'800.0 167'900.0
Tangible fixed assets 303'700.0 285'300.0 273'800.0 252'200.0 416'500.0
Financial fixed assets 101'300.0 54'700.0 65'100.0 42'600.0 33'600.0
other fixed assets 19'500.0 0.0 0.0 0.0 16'300.0
Fixed assets 600'200.0 512'600.0 461'600.0 439'100.0 544'000.0
Stocks 454'000.0 255'600.0 202'300.0 242'800.0 233'700.0
Trade accounts receivable 442'000.0 424'000.0 343'000.0 514'100.0 597'700.0
Liquid assets 481'500.0 377'800.0 372'400.0 361'200.0 322'200.0
Securities 100'100.0 107'800.0 109'500.0 50'900.0 126'400.0
other trade accounts 71'300.0 219'300.0 218'000.0 257'500.0 70'100.0
Accruals 14'100.0 15'200.0 9'400.0 6'000.0 4'100.0
Other current assets 667'000.0 720'100.0 709'300.0 675'600.0 522'800.0
Current assets 1'563'000.0 1'399'700.0 1'254'600.0 1'432'500.0 1'354'200.0
Total assets 2'163'200.0 1'912'300.0 1'716'200.0 1'871'600.0 1'898'200.0
Capital 15'000.0 15'000.0 15'000.0 15'000.0 15'000.0
Other shareholders funds 779'900.0 705'300.0 670'000.0 838'000.0 878'100.0
Total shareholders equity 794'900.0 720'300.0 685'000.0 853'000.0 893'100.0
Minority interests 28'300.0 23'100.0 22'300.0 29'900.0 38'300.0
long term debt (financial debts) 97'700.0 16'700.0 11'500.0 9'300.0 11'700.0
Provisions 40'400.0 53'400.0 40'000.0 44'000.0 45'700.0
Other non current liabilities 246'300.0 200'600.0 196'600.0 165'900.0 209'200.0
Non current liabilities 384'400.0 270'700.0 248'100.0 219'200.0 266'600.0
short term debt (financial debts) 63'800.0 54'100.0 64'400.0 7'200.0 7'400.0
Trade accounts payable 152'100.0 139'300.0 347'600.0 432'100.0 144'000.0
Provisions 58'700.0 54'100.0 51'000.0 45'200.0 52'700.0
Accruals 164'300.0 143'700.0 124'700.0 99'700.0 111'300.0
other accounts payable 516'700.0 507'000.0 173'100.0 185'300.0 384'800.0
other current liabilities 739'700.0 704'800.0 348'800.0 330'200.0 548'800.0
Current liabilities 955'600.0 898'200.0 760'800.0 769'500.0 700'200.0
Shareh. equity, min. interests + liabilities 2'163'200.0 1'912'300.0 1'716'200.0 1'871'600.0 1'898'200.0
Profit and loss account
Sales 2'130'800.0 1'906'800.0 1'721'300.0 1'893'100.0 1'773'400.0
Reduction of proceeds 0.0 0.0 0.0 0.0 -12'000.0
Net sales 2'130'800.0 1'906'800.0 1'721'300.0 1'893'100.0 1'785'400.0
Other operating revenue 40'000.0 59'000.0 37'700.0 38'700.0 48'700.0
Operating revenue 2'170'800.0 1'965'800.0 1'759'000.0 1'931'800.0 1'834'100.0
Cost of goods sold 864'300.0 762'700.0 659'200.0 778'300.0 755'700.0
Gross profit 1'306'500.0 1'203'100.0 1'099'800.0 1'153'500.0 1'078'400.0
Other operating expenses 1'088'900.0 1'000'500.0 967'700.0 977'400.0 940'100.0
Operating result 217'600.0 202'600.0 132'100.0 158'100.0 138'300.0
Interest revenues 9'700.0 8'400.0 8'800.0 14'000.0 13'900.0
other financial revenues 9'600.0 16'500.0 9'100.0 42'400.0 37'300.0
Financial income 19'300.0 24'900.0 17'900.0 56'400.0 51'200.0
Interest expenses 4'500.0 3'200.0 3'100.0 29'200.0 5'000.0
other financial expenses 23'800.0 11'300.0 2'100.0 59'400.0 20'600.0
Financial expenses 28'300.0 14'500.0 5'200.0 88'600.0 25'600.0
Financial result -9'000.0 10'400.0 12'700.0 -32'200.0 25'600.0
Result before extraordinary items 208'600.0 213'000.0 144'800.0 125'900.0 163'900.0
Extraordinary income 0.0 0.0 0.0 0.0 0.0
Extraordinary expenses 0.0 0.0 0.0 0.0 0.0
Extraordinary Result 0.0 0.0 0.0 0.0 0.0
Result before taxes 208'600.0 213'000.0 144'800.0 125'900.0 163'900.0
Taxes 45'500.0 55'000.0 40'600.0 24'700.0 33'700.0
Result before minority interests 163'100.0 158'000.0 104'200.0 101'200.0 130'200.0
minority interests 5'200.0 4'300.0 7'400.0 4'900.0 800.0
Result for the financial year 157'900.0 153'700.0 96'800.0 96'300.0 129'400.0
Cash flow
Depreciation 43'700.0 45'800.0 49'800.0 37'100.0 31'100.0
Cash flow 206'800.0 203'800.0 154'000.0 138'300.0 161'300.0
Cash flow from operating activities 197'400.0 171'100.0 161'900.0 219'700.0 132'600.0
Investments in tangible fixed assets 49'900.0 38'300.0 63'700.0 84'700.0 62'700.0
Cash flow from investing activities -66'700.0 -118'000.0 -144'800.0 -140'800.0 -54'400.0
Cash flow from financing activities -22'400.0 -27'500.0 -12'700.0 -7'600.0 -11'900.0
Others -4'600.0 -20'200.0 6'800.0 -32'300.0 -2'200.0
Change in liquidity 103'700.0 5'400.0 11'200.0 39'000.0 64'100.0
Liquidity at beginning of the year 377'800.0 372'400.0 361'200.0 322'200.0 258'100.0
Liquidity at end ot the year 481'500.0 377'800.0 372'400.0 361'200.0 322'200.0
Notes
Material costs 885'300.0 762'700.0 637'100.0 787'300.0 755'700.0
Cost of employees 678'300.0 604'400.0 586'200.0 612'600.0 581'500.0
Research and Development 89'000.0 79'000.0 78'700.0 82'300.0 74'400.0
Orders received 2'233'000.0 2'160'000.0 1'784'000.0 948'000.0 870'900.0
Added value 935'100.0 866'400.0 783'900.0 804'800.0 781'500.0
Working Capital 743'900.0 540'300.0 197'700.0 621'000.0 687'400.0
Sales per Employee 241.4 242.7 230.1 245.9 259.1
Gross cost land and buildings 240'700.0 223'300.0 212'200.0 182'800.0 403'200.0
Gross cost other tangible fixed assets 358'700.0 340'500.0 335'000.0 331'700.0 431'600.0
Gross cost total 599'400.0 563'800.0 547'200.0 514'500.0 834'800.0
Insurance value total 841'800.0 753'500.0 817'600.0 1'039'000.0 1'005'700.0
Employees at
year end 8'828 7'857 7'480 7'661 6'890
Employees inland 2'575 2'462 2'700 3'064 2'863
Employees abroad 6'253 5'395 4'780 4'597 4'027
Name: Bühler
Holding AG
City/Country: Uzwil,
Switzerland/CH
No. of Owner/-s: 1
Owner: The
company is domestic owned.
Class: 100%
Name: Bühler
Holding AG
City/Country: Uzwil,
Switzerland/CH
Interest: 100.00%
voting right, 100.00% capital interest
Name: ASE-Bühler
AG
City/Country: Uzwil,
Switzerland/CH
Name: Bangsheng
Bio-Technology Co Ltd
City/Country: Guangzhou,
China/CN
Name: Bühler
+ Scherler AG
City/Country: St.
Gallen, Switzerland/CH
Name: Bühler
AB
City/Country: Malmö,
Sweden/SE
Name: Buhler
(Canada) Inc
City/Country: Markham,
Canada/CA
Name: Buhler
(Changzhou) Machinery Co Ltd
City/Country: Liyang
City, China/CN
Name: Bühler
Druckguss AG
City/Country: Uzwil,
Switzerland/CH
Name: Buhler
Equipment Engineering (WUXI) Co Ltd
City/Country: Wuxi,
China/CN
Name: Buhler
Equipment (Xi'an) Co Ltd
City/Country: Xi'an,
China/CN
Name: Buhler
Food Ingredients (Guangzhou) Co., Ltd.
City/Country: Guangzhou,
China/CN
Name: Buhler
Inc
City/Country: Minneapolis,
United States of America/US
Name: Buhler
(India) Private Limited
City/Country: Bangalore,
India/IN
Name: Buhler
Industrial (Shenzhen) Co Ltd
City/Country: Shenzhen,
China/CN
Name: Buhler
KK
City/Country: Yokohama,
Japan/JP
Name: Bühler
Limitada
City/Country: Joinville,
Brazil/BR
Name: Bühler
Management AG
City/Country: Uzwil,
Switzerland/CH
Name: Buhler
Mechanical Equipment (Shenzen) Co Ltd
City/Country: Shenzen,
China/CN
Name: Buhler
(Private Joint Stock Company)
City/Country: Theran,
Iran/IR
Name: Buhler
(Pty) Ltd
City/Country: Randburg,
South Africa/ZA
Name: Buhler
SA
City/Country: Madrid,
Spain/ES
Name: Buhler
SA
City/Country: Buenos
Aires, Argentina/AR
Name: Buhler
SA de CV
City/Country: Toluca,
Mexico/MX
Name: Buhler
Sanmak Industria de Maquinas SA
City/Country: Blumenau,
Brazil/BR
Name: Buhler
Sarl
City/Country: Paris,
France/FR
Name: Bühler
Services AG
City/Country: Uzwil,
Switzerland/CH
Name: Buhler
(Shanghai) Trading Co Ltd
City/Country: Shanghai,
China/CN
Name: Buhler
Sortex Inc
City/Country: Stockton,
United States of America/US
Name: Bühler
SpA
City/Country: Milano,
Italy/IT
Name: Buhler
UK Holdings Limited
City/Country: London
, United Kingdom/GB
Name: Buhler
(Wuxi) Commercial Co Ltd
City/Country: Wuxi,
China/CN
Name: Wuxi
Buhler Machinery Manufacturing Co Ltd
City/Country: Wuxi,
China/CN
Class: 100%
Name: Bühler
Aeroglide Corporation
City/Country: Raleigh,
United States of America/US
Interest: 100.00%
voting right, 100.00% capital interest (since 23.06.2008)
Class: 100%
Name: Bühler
Barth GmbH
City/Country: Freiberg
am Neckar , Germany/DE
Interest: 100.00%
voting right, 100.00% capital interest (since 22.11.2007)
Class: 100%
Name: Bühler
Bindler GmbH
City/Country: Bergneustadt,
Germany/DE
Interest: 100.00%
voting right, 100.00% capital interest
Class: 100%
Name: Bühler
Deutschland GmbH
City/Country: Beilngries,
Germany/DE
Interest: 100.00%
voting right, 100.00% capital interest
Class: 100%
Name: Bühler
Druckgiessysteme GmbH
City/Country: Viernheim,
Germany/DE
Interest: 100.00%
voting right, 100.00% capital interest
Class: 100%
Name: Bühler
GmbH
City/Country: Braunschweig,
Germany/DE
Interest: 100.00%
voting right, 100.00% capital interest (since 1972)
Class: 100%
Name: Bühler
PARTEC GmbH
City/Country: Saarbrücken,
Germany/DE
Interest: 100.00%
voting right, 100.00% capital interest
Class: 100%
Name: Draiswerke
Inc.
City/Country: Mahwah,
United States of America/US
Interest: 100.00%
voting right, 100.00% capital interest
An updated legal action
check is only available against proof of interest. e.g. a copy of an enquiry letter,
and order or invoice relating to the subject company.
Financial Statements: The company does not disclose any financial statements. Third
parties are not permitted any insight into the financial affairs. It is
therefore difficult to make a proper assessment of the actual situation.
Financial Situation: The financial situation is in order.
Payment experiences: Financial obligations are met as appropriate.
Maximum Credit: CHF
1'800'000
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.51.20 |
|
UK Pound |
1 |
Rs.81.50 |
|
Euro |
1 |
Rs.67.15 |
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.