|
Report Date : |
13.04.2012 |
IDENTIFICATION DETAILS
|
Name : |
AICHELIN HOLDING GMBH |
|
|
|
|
Registered Office : |
Fabriksgasse 3, A-2340 Mödling |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as on) : |
31.12.2010 |
|
|
|
|
Year of Establishment : |
1965 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
Activities of holding companies |
|
|
|
|
No. of Employees : |
8 Approximately |
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 : |
EUR 12.000,00 |
|
Status : |
Satisfactory |
|
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, 2012
|
Country Name |
Previous Rating (31.12.2011) |
Current Rating (31.03.2012) |
|
Austria |
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
|
|
|
|
Company name: |
Aichelin Holding GmbH |
|
Status: |
active company |
|
Locations: |
Fabriksgasse 3, A-2340 Mödling |
|
Phone: |
0043 (2236) 236460 |
|
Fax: |
0043 (2236) 22229 |
|
E-mail: |
info@aichelin.at |
|
Internet: |
http://www.aichelin.com |
|
Activities: |
Önace 64200 80% Activities of holding companies |
|
|
Önace 74900 10% Other professional, scientific and technical activities
n.e.c. |
|
|
Önace 68209 10% Other renting and operating of own or leased real
estate |
|
|
|
|
Probability of Default (Basel II): |
Very low risk |
|
comparison: |
The of this company is better than industry average. |
|
Recommendation: |
In respect to solvency reasons, there is nothing to say against an
establishment of a business relationship. |
|
|
|
|
Detail Assessment: |
Since company is in the service industry only limited experience is
available. As far as insight is possible, payments are made within net
agreements. |
|
|
Financial situation is satisfactory. |
|
|
Maximum credit EUR 12.000,00 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Year of incorporation: |
1965 |
|
Type of company: |
Financial and insurance activities |
|
Legal form: |
limited liability company since 1965-09-14 |
|
companies' house number: |
FN 84470 x Wiener Neustadt 1965-11-03 |
|
Activities: |
|
|
ARA-number: |
8000 |
|
VAT number: |
ATU 19245403 |
|
number - Austrian National Bank: |
1791 |
|
total turnover (total sales) |
2011 |
EUR 780.000,00 |
(estimated) |
|
total turnover (total sales) |
2010 |
EUR 782.000,00 |
(approx.) |
|
total turnover (total sales) |
2009 |
EUR 850.000,00 |
(approx.) |
|
total turnover (total sales) |
2008 |
EUR 997.298,84 |
(exact) |
|
total turnover (total sales) |
2007 |
EUR 35.413.383,60 |
(exact) |
|
total employees |
2012 |
8 |
(approx.) |
|
total employees |
2011 |
8 |
(exact) |
|
total employees |
2010 |
|
(not available) |
|
white collar workers |
2012 |
8 |
(approx.) |
|
white collar workers |
2011 |
8 |
(exact) |
|
Letzte Eintragung am 24.09.2011 mit der
Eintragungsnummer 39 |
|
FIRMA: |
|
34 Aichelin Holding GmbH |
|
RECHTSFORM: |
|
1 Gesellschaft mit
beschränkter Haftung |
|
SITZ in: |
|
8 politischer Gemeinde
Mödling |
|
GESCHÄFTSANSCHRIFT: |
|
1 Fabriksg. 3 |
|
KAPITAL: |
|
14 EUR 3.100.000 |
|
STICHTAG für
JAHRESABSCHLUSS: |
|
1
31. Dezember |
|
JAHRESABSCHLUSS: |
|
39 zum 31.12.2010
eingereicht am 21.09.2011 |
|
VERTRETUNGSBEFUGNIS: |
|
1 Die Gesellschaft wird,
wenn mehrere Geschäftsführer |
|
GESCHÄFTSFÜHRER
(handelsrechtlich): |
|
R Dipl.Ing.Dr. Peter
Schobesberger, geb. 29.04.1959 |
|
PROKURIST: |
|
Q Karl Jung, geb. 28.03.1950 |
|
GESELLSCHAFTER
STAMMEINLAGE HIERAUF GELEISTET: |
|
U Heinz Berger, geb.
14.04.1927 |
|
PERSONEN: |
|
22 Q Karl Jung, geb. 28.03.1950 |
|
VOLLZUGSÜBERSICHT: |
|
Handelsgericht Wien |
|
Registration number of real estate
1375 Cadastral register 16119 Mödling N Number and
date of entry 4379/2008 Status of 2011-09-20 |
|
Part A - type of
real estate : |
|
1042 GST-Fläche 18040 |
|
Part B -
ownership details : |
|
1 ANTEIL: 1/1 |
|
Part C -
registered charges : |
|
1 a 8291/1966 |
|
Surname |
Date of birth |
Address |
Executive positions |
Further executive positions (as registered in the
companies' house) |
|
Dipl-Ing. Peter Schobesberger |
1959-04-29 |
2102 Bisamberg Paul Braitgasse 3 |
manager |
1 |
|
Heinz Berger |
1927-04-14 |
70825 Korntal Münchingen Carl-Petersstraße 25 |
partner |
0 |
|
Karl Jung |
1950-03-28 |
2340 Mödling Riegerstraße 55/1 |
individual signing clerk |
2 |
all amounts in
EUR
|
|
2010-12-31 |
Diff. % |
2009-12-31 |
Diff. % |
2008-12-31 |
|
Franchises, patents, licences, trademarks and similar rights and
advantages |
|
|
|
|
76.953,80 |
|
Intangible assets |
0,01 |
-100,00 |
25.610,20 |
|
|
|
Sum intangible assets |
0,01 |
-100,00 |
25.610,20 |
-66,72 |
76.953,80 |
|
|
|||||
|
Land and leasehold rights with buildings thereon including building on
land owned by third parties |
|
|
|
|
3.422.516,90 |
|
Tangible assets |
2.983.993,73 |
-6,48 |
3.190.722,92 |
|
|
|
Sum tangible assets |
2.983.993,73 |
-6,48 |
3.190.722,92 |
-6,77 |
3.422.516,90 |
|
|
|||||
|
Shares on related firms |
|
|
|
|
19.919.229,34 |
|
Other shareholdings |
|
|
|
|
1,00 |
|
Loans to related firms |
|
|
|
|
2.450.000,00 |
|
Financial assets |
22.323.637,99 |
12,09 |
19.915.230,34 |
|
|
|
Sum financial assets |
22.323.637,99 |
12,09 |
19.915.230,34 |
-10,97 |
22.369.230,34 |
|
|
|||||
|
Sum fixed assets |
25.307.631,73 |
9,41 |
23.131.563,46 |
-10,58 |
25.868.701,04 |
|
|
|||||
|
Other claims and assets |
|
|
|
|
102.144,80 |
|
Claims against related firmes Claims against companies with
shareholding relationship |
|
|
|
|
207.540,29 |
|
Claims and other assets |
4.745.834,15 |
99,23 |
2.382.108,59 |
|
|
|
Sum claims |
4.745.834,15 |
99,23 |
2.382.108,59 |
669,20 |
309.685,09 |
|
|
|||||
|
Cash on hand, cheques and bank deposits |
6.368,89 |
-73,11 |
23.683,72 |
4050,81 |
570,58 |
|
Sum cash and bank |
6.368,89 |
-73,11 |
23.683,72 |
4050,81 |
570,58 |
|
|
|||||
|
Sum current assets |
4.752.203,04 |
97,53 |
2.405.792,31 |
675,42 |
310.255,67 |
|
|
|||||
|
Deferred charges |
2.100,00 |
|
|
|
|
|
Sum deferred charges |
2.100,00 |
|
|
|
|
|
Assets |
30.061.934,77 |
17,72 |
25.537.355,77 |
-2,45 |
26.178.956,71 |
|
|
|||||
|
Subscribed/declared capital |
3.100.000,00 |
0,00 |
3.100.000,00 |
0,00 |
3.100.000,00 |
|
Capital reserves |
310.000,00 |
0,00 |
310.000,00 |
|
|
|
Committed capital reserves |
|
|
|
|
310.000,00 |
|
Balance sheet profit/balance sheet loss |
7.297.960,41 |
16,95 |
6.240.100,30 |
27,91 |
4.878.416,41 |
|
Thereof profit/loss carried forward |
4.240.100,30 |
1020,49 |
378.416,41 |
-98,85 |
32.857.353,67 |
|
Sum equity capital |
10.707.960,41 |
10,96 |
9.650.100,30 |
16,43 |
8.288.416,41 |
|
|
|||||
|
Other reserves before taxes |
497.843,00 |
-9,47 |
549.925,16 |
|
|
|
Valuation reserves due to special depreciations and |
|
|
|
|
608.230,45 |
|
Sum reserves before taxes |
497.843,00 |
-9,47 |
549.925,16 |
-9,59 |
608.230,45 |
|
|
|||||
|
Other reserves |
|
|
|
|
358.379,29 |
|
Reserves |
109.000,00 |
263,33 |
30.000,00 |
|
|
|
Sum reserves |
109.000,00 |
263,33 |
30.000,00 |
-91,63 |
358.379,29 |
|
|
|||||
|
Liabilities against credit institutes |
|
|
|
|
13.726.324,70 |
|
Liabilities from delivered goods and performed services from the
acceptance of drafts and emission of promissory notes |
|
|
|
|
7.106,50 |
|
Liabilities against related firms |
|
|
|
|
3.186.179,36 |
|
Other liabilities |
|
|
|
|
4.320,00 |
|
Liabilities |
18.736.576,69 |
22,40 |
15.307.330,31 |
|
|
|
Sum liabilities |
18.736.576,69 |
22,40 |
15.307.330,31 |
-9,55 |
16.923.930,56 |
|
|
|||||
|
Deferred income |
10.554,67 |
|
|
|
|
|
Sum deferred income |
10.554,67 |
|
|
|
|
|
Liabilities |
30.061.934,77 |
17,72 |
25.537.355,77 |
-2,45 |
26.178.956,71 |
|
|
|||||
|
Contingent liabilities |
|
|
|
|
12.155.540,76 |
|
Balance sheet sum |
30.061.934,77 |
17,72 |
25.537.355,77 |
-2,45 |
26.178.956,71 |
|
|
2010-12-31 |
2009-12-31 |
2008-12-31 |
|
|
|
Franchises, patents, licences, trademarks and similar rights and
advantages |
|
|
0,29 |
|
|
|
Intangible assets |
0,00 |
0,10 |
|
|
|
|
Sum intangible assets |
0,00 |
0,10 |
0,29 |
|
|
|
|
|||||
|
Land and leasehold rights with buildings thereon including building on
land owned by third parties |
|
|
13,07 |
|
|
|
Tangible assets |
9,93 |
12,49 |
|
|
|
|
Sum tangible assets |
9,93 |
12,49 |
13,07 |
|
|
|
|
|||||
|
Shares on related firms |
|
|
76,09 |
|
|
|
Other shareholdings |
|
|
0,00 |
|
|
|
Loans to related firms |
|
|
9,36 |
|
|
|
Financial assets |
74,26 |
77,98 |
|
|
|
|
Sum financial assets |
74,26 |
77,98 |
85,45 |
|
|
|
|
|||||
|
Sum fixed assets |
84,18 |
90,58 |
98,81 |
|
|
|
|
|||||
|
Other claims and assets |
|
|
0,39 |
|
|
|
Claims against related firmes Claims against companies with
shareholding relationship |
|
|
0,79 |
|
|
|
Claims and other assets |
15,79 |
9,33 |
|
|
|
|
Sum claims |
15,79 |
9,33 |
1,18 |
|
|
|
|
|||||
|
Cash on hand, cheques and bank deposits |
0,02 |
0,09 |
0,00 |
|
|
|
Sum cash and bank |
0,02 |
0,09 |
0,00 |
|
|
|
|
|||||
|
Sum current assets |
15,81 |
9,42 |
1,19 |
|
|
|
|
|||||
|
Deferred charges |
0,01 |
|
|
|
|
|
Sum deferred charges |
0,01 |
|
|
|
|
|
Assets |
100,00 |
100,00 |
100,00 |
|
|
|
|
|||||
|
Subscribed/declared capital |
10,31 |
12,14 |
11,84 |
|
|
|
Capital reserves |
1,03 |
1,21 |
|
|
|
|
Committed capital reserves |
|
|
1,18 |
|
|
|
Balance sheet profit/balance sheet loss |
24,28 |
24,44 |
18,63 |
|
|
|
Thereof profit/loss carried forward |
14,10 |
1,48 |
125,51 |
|
|
|
Sum equity capital |
35,62 |
37,79 |
31,66 |
|
|
|
|
|||||
|
Other reserves before taxes |
1,66 |
2,15 |
|
|
|
|
Valuation reserves due to special depreciations and |
|
|
2,32 |
|
|
|
Sum reserves before taxes |
1,66 |
2,15 |
2,32 |
|
|
|
|
|||||
|
Other reserves |
|
|
1,37 |
|
|
|
Reserves |
0,36 |
0,12 |
|
|
|
|
Sum reserves |
0,36 |
0,12 |
1,37 |
|
|
|
|
|||||
|
Liabilities against credit institutes |
|
|
52,43 |
|
|
|
Liabilities from delivered goods and performed services from the acceptance
of drafts and emission of promissory notes |
|
|
0,03 |
|
|
|
Liabilities against related firms |
|
|
12,17 |
|
|
|
Other liabilities |
|
|
0,02 |
|
|
|
Liabilities |
62,33 |
59,94 |
|
|
|
|
Sum liabilities |
62,33 |
59,94 |
64,65 |
|
|
|
|
|||||
|
Deferred income |
0,04 |
|
|
|
|
|
Sum deferred income |
0,04 |
|
|
|
|
|
Liabilities |
100,00 |
100,00 |
100,00 |
|
|
|
|
|||||
|
Contingent liabilities |
|
|
46,43 |
|
|
|
Balance sheet sum |
100,00 |
100,00 |
100,00 |
|
|
all amounts in
EUR
|
|
2010-12-31 |
|
2009-12-31 |
|
2008-12-31 |
|
Gross sales |
|
|
|
|
997.298,84 |
|
Sum turnover or sum gross profit |
|
|
|
|
997.298,84 |
|
|
|||||
|
Depreciation of intangible assets, tangible assets,activated expenses
for the set up and expansion of business operation |
|
|
|
|
-280.844,67 |
|
Depreciation tangible assets / intangible assets totally |
|
|
|
|
-280.844,67 |
|
|
|||||
|
Different operating costs |
|
|
|
|
-644.831,24 |
|
Other taxes |
|
|
|
|
-5.417,26 |
|
Other operating costs totally |
|
|
|
|
-650.248,50 |
|
|
|||||
|
Operating result totally |
|
|
|
|
66.205,67 |
|
|
|||||
|
Income from other securities and loans of financial assets |
|
|
|
|
125.900,00 |
|
Interest income, securties income and similar income |
|
|
|
|
2.067,45 |
|
Interest and similar disbursements |
|
|
|
|
-654.932,89 |
|
Financial profits totally |
|
|
|
|
-526.965,44 |
|
|
|||||
|
Results from usual business activity
totally |
|
|
|
|
-460.759,77 |
|
|
|||||
|
Taxes on income and profits |
|
|
|
|
33.071,01 |
|
Taxes on income and profits totally |
|
|
|
|
33.071,01 |
|
Annual surplus/annual deficit totally |
|
|
|
|
-427.688,76 |
|
|
|||||
|
Dissolution reserves before taxes |
|
|
|
|
56.415,71 |
|
Dissolution capital reserves |
|
|
|
|
1.963.953,79 |
|
Reserves movements totally |
|
|
|
|
2.020.369,50 |
|
Annual profit/annual loss totally |
|
|
|
|
1.592.680,74 |
|
|
|||||
|
Profit and loss carried forward from previous year |
|
|
|
|
3.285.735,67 |
|
Transfer of profits totally |
|
|
|
|
3.285.735,67 |
|
B/S profit/ B/S loss from profit and loss
account |
|
|
|
|
4.878.416,41 |
|
|
2010 |
Diff. % |
2009 |
Diff. % |
2008 |
Key industry sector average |
|
Equity capital share |
37,27 |
-6,69 |
39,94 |
+17,54 |
33,98 |
23,67 |
|
Fixed assets coverage |
44,27 |
+0,41 |
44,09 |
+28,21 |
34,39 |
144,37 |
|
Cash flow II |
|
|
|
|
-146.844,09 |
|
|
Debt amortisation period |
|
|
|
|
-117,68 |
|
|
Bank indebtedness |
|
|
|
|
52,43 |
|
|
Social capital share |
|
|
|
|
0,00 |
|
|
Net profit ratio |
|
|
|
|
-46,20 |
|
|
Capital turnover |
|
|
|
|
0,03 |
|
|
Return on investment |
|
|
|
|
0,74 |
|
|
Cash flow in % of operating performance |
|
|
|
|
-14,72 |
|
|
Cash flow I |
|
|
|
|
-179.915,10 |
|
|
Gross productivity |
|
|
|
|
0,00 |
|
|
Net productivity |
|
|
|
|
0,00 |
|
|
Operating performance |
|
|
|
|
997.298,84 |
|
|
Inventories in % of operating performance |
|
|
|
|
0,00 |
|
|
Gross profit |
|
|
|
|
997.298,84 |
|
*The industry average values of the ratios are calculated on the base of
anonymized balance sheet data of Austrian companies, and are provided by KMU FORSCHUNG
AUSTRIA (Austrian Institute for SME Research).
|
Key industry sector comparsion |
|
|
Equity capital share |
Equity Quota of this company is better than industry average. |
|
|
|
|
|
|
|
|
|
|
Type |
Locations |
Description |
|
|
|
E-mail |
|
operational |
Fabriksgasse 3, A-2340 Mödling |
registered office |
|
|
|
|
|
operational |
Fabriksgasse 3, A-2340 Mödling |
registered headquarters, owned property |
|
|
|
info@aichelin.at |
|
former |
Tenschertstraße 5, A-1232 Wien |
branch office |
|
|
|
|
|
Company name |
Postal code |
Stake in % |
Companies House |
|
|
Shares in this company are held by: |
||||
|
ABH Holding GmbH |
- , D-59557 Lippstadt |
98.41 % 2006-05-19 |
HRB 7957 |
|
|
Heinz Berger |
Carl-Petersstraße 25, D-70825 Korntal Münchingen |
1.06 % 2004-05-29 |
|
|
|
Berger Beteiligungs GmbH |
Carl Petersstraße 25, D-70825 Korntal Münchingen |
0.52 % 2006-05-19 |
HRB 203738 |
|
|
|
||||
|
This company holds 100% of the shares in: |
||||
|
Aichelin Ges.m.b.H. |
Fabriksgasse 3, A-2340 Mödling |
100 % 2008-05-14 |
FN 309988 s |
|
|
|
||||
|
Affiliated companies and further
participations: |
||||
|
Berndorf Aktiengesellschaft |
Leobersdorferstraße 26, A-2560 Berndorf |
|
FN 117391 i |
|
|
|
|
|
|
|
Banker |
Bank sort code |
Type of banking connection |
|
|
UniCredit Bank Austria AG, 1011 Wien |
11000 |
main bank connection |
|
|
Oberbank AG, 5280 Braunau/Inn |
15000 |
secondary banking connection |
|
|
|
|
||
|
Year of incorporation: |
1965 |
|
Date of registration: |
1965-11-03 |
|
Change of company name: |
||
|
From |
To |
Company name |
|
|
1999-12-31 |
ALD AICHELIN GesmbH. |
|
1999-12-31 |
2008-06-07 |
Aichelin Ges.m.b.H. |
|
2008-06-07 |
|
Aichelin Holding GmbH |
|
Change in share capital: |
||
|
From |
To |
Capital |
|
1999-12-31 |
|
EUR 3.100.000,00 |
|
|
1999-12-31 |
ATS 63.000.000,00 |
|
Former executives: |
|||
|
From |
To |
Function |
Name |
|
2005-01-27 |
2006-02-15 |
joint signing clerk |
Dipl-Ing. Wolfgang Waldhäusl |
|
2003-10-07 |
2008-06-07 |
joint signing clerk |
Dipl-Ing.Mag. Jan Häupler |
|
2006-02-15 |
2008-06-07 |
joint signing clerk |
Ralf Jennes |
|
2006-02-15 |
2008-06-07 |
joint signing clerk |
Hartmut Steck Winter |
|
2002-12-17 |
2011-01-12 |
joint signing clerk |
Karl Jung |
|
2003-10-07 |
2011-01-12 |
joint signing clerk |
Dipl-Ing. Peter Schobesberger |
|
|
1998-03-19 |
manager |
Harald Berger |
|
2000-05-10 |
2002-12-17 |
joint signing clerk |
Dipl-Ing. Herbert Schwaiger |
|
1999-09-11 |
2002-07-19 |
manager |
Dipl-Ing. Heinz Anton |
|
1998-03-19 |
2002-12-11 |
manager |
Mag. Kurt Heiny |
|
2002-12-11 |
2011-01-12 |
manager |
Dipl-Ing. Heinrich Novak |
|
|
2000-05-10 |
individual signing clerk |
Klaus Bleier |
|
1998-10-14 |
2000-05-10 |
individual signing clerk |
Mag. Claudia Descovich |
|
2000-05-10 |
2003-10-07 |
joint signing clerk |
Kurt Güntner |
|
2000-05-10 |
2005-01-27 |
joint signing clerk |
Klaus Bleier |
|
|
2000-05-10 |
individual signing clerk |
Kurt Güntner |
|
|
2000-05-10 |
individual signing clerk |
Johann Lesny |
|
|
2000-05-10 |
individual signing clerk |
Dipl-Ing. Herbert Schwaiger |
|
2000-05-10 |
2001-10-19 |
joint signing clerk |
Mag. Claudia Descovich |
|
2001-10-19 |
2002-12-17 |
joint signing clerk |
Mag. Claudia Descovich |
|
2002-12-17 |
2005-01-27 |
joint signing clerk |
Karl Rösler |
|
Former shareholders: |
|||
|
From |
To |
Function |
Name |
|
|
1998-03-19 |
partner |
Siemens Aktiengesellschaft Österreich |
|
|
1998-03-19 |
partner |
ALD AICHELIN GesmbH. |
|
1994-03-16 |
2003-12-30 |
partner |
Indaffil Holding AG. |
|
1999-12-30 |
2004-05-29 |
partner |
Aichelin Holding GmbH |
|
2004-05-29 |
2006-05-19 |
partner |
Berndorf Industrie Beteiligungs GmbH |
|
2004-05-29 |
2006-05-19 |
partner |
Berger GmbH & Co. KG |
|
2004-05-29 |
2006-05-19 |
partner |
Dr. Albrecht Aichelin |
|
2004-05-29 |
2006-05-19 |
partner |
Dr. Jörg Aichelin |
|
2004-05-29 |
2006-05-19 |
partner |
Dr. Peter Aichelin |
|
2003-12-30 |
2006-05-19 |
partner |
Dipl-Ing. Heinrich Novak |
|
Mergers: |
||
|
Date |
Function |
Name |
|
2004-06-03 |
merged with |
Aichelin Holding GmbH |
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.51.44 |
|
|
1 |
Rs.81.96 |
|
Euro |
1 |
Rs.67.60 |
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.