MIRA INFORM REPORT

 

 

Report Date :

03.08.2012

 

IDENTIFICATION DETAILS

 

Name :

ABC ITALIA S.R.L.

 

 

Registered Office :

Castello, 26,

20100 – Milano (MI)       

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

08.01.2007

 

 

Legal Form :

Sole-Member Limited Liability Company

 

 

Line of Business :

Wholesale of furniture, rugs and lighting equipment

 

 

No. of Employees :

11 to 15 employees

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

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)

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 

 

Abc Italia S.r.l.

 

Castello, 26

 

20100 - Milano (MI) -IT-

 

 

Summary

 

Fiscal Code

:

05559250963

Legal Form

:

Sole-Member Limited Liability Company

Establishment Date

:

08/01/2007

Equity

:

750.000

Turnover Range

:

12.750.000/15.500.000

Number of Employees

:

from 11 to 15

 

 

Activity

 

Wholesale of furniture, rugs and lighting equipment

 

Legal Data

 

Legal Form : Sole-Member Limited Liability Company

Fiscal Code : 05559250963

 

Foreign Trade Reg. no. : MI367421 since 30/06/2008

 

Chamber of Commerce no. : 1461738 of

 

Chamber of Commerce no. : 1830883 of since 16/01/2007

 

V.A.T. Code : 05559250963

 

Establishment date

: 08/01/2007

Legal duration

: 31/12/2050

Nominal Capital

: 25.000

 

Subscribed Capital

: 25.000

 

Paid up Capital

: 25.000

 

 

Members

 

 

Amini

Basir

 

 

 

Born in Afghanistan

( )

on 03/09/1965

- Fiscal Code : MNABSR65P03Z200T

 

 

 

Residence:

 

Beccaria

, 23

- 26900

Lodi

(LO)

- IT -

 

Position

Since

Shares Amount

% Ownership

Sole Director

28/10/2009

 

 

 

 

No Prejudicial events are reported

 

 

No Protests registered

 

 

Palm Invest Ag

 

 

 

 

Position

Since

Shares Amount

% Ownership

Sole partner

 

 

 

 

 

No Protests registered

 

Companies connected to members *

 

*checkings have been performed on a national scale.

In this module the companies in which members hold/held positions are listed.

 

The Members of the subject firm are not reported to be Members in other companies.

 

Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Palm Invest Ag

 

 

 

100,00

 

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:

 

-

Sede legale e di attivita'

 

 

 

 

 

 

Piazza

Castello

, 26

- 20100

- Milano

(MI)

- IT -

 

-

Unita' locale

(Ufficio con deposito o magazzino)

since 12/09/2007

 

 

 

 

 

Strada Provinciale

234 Ex Mantovana

, s.n.

- 20070

- Somaglia

(LO)

- IT -

 

 

 

 

TELEFONO

: 0377464311

 

-

Unita' locale

(Magazzino)

since 01/01/2010

 

 

 

 

 

Via

Labriola

, 46

- 20071

- Casalpusterlengo

(LO)

- IT -

 

-

Unita' locale

(Magazzino)

since 01/02/2010

 

 

 

 

 

Via

Labriola

, 54/56

- 20071

- Casalpusterlengo

(LO)

- IT -

 

 

 

 

Employees

: 11

 

Fittings and Equipment for a value of 35.000

Eur

 

Stocks for a value of 6.540.000

Eur

 

 

 

Protests

 

Protests checking on the subject firm has given a negative result.

 

Data Base Prejudicial Events Search

 

Search performed on a National Scale

 

 

Prejudicial Events Search Result: NEGATIVE

 

Search performed on a specialized data base.

 

Legal Procedures

 

None reported, standing to the latest received edition of the Official Publications.

 

Financial and Economical Analysis

 

The subject has been acting for many years on local market.

Financial means are adequate and allow a normal fulfilment of

bonds towards third parties.

Subject is characterized by a corrected managment, which allows a

regular fulfiment of its own engagments.

No notable criticism is expressed by common suppliers at to the

firm's business conduct which is said to be honest enough.

The economic data at our disposal point out a profit for the year.

Business volume is falling in the last financial year.

financial Data

 

 

 

Complete balance-sheet for the year

31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

14.503.249

Profit (Loss) for the period

7.418

 

 

 

Complete balance-sheet for the year

31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

16.777.929

Profit (Loss) for the period

34.758

 

 

 

Complete balance-sheet for the year

31/12/2009

(in Eur

x 1)

 

Item Type

Value

Sales

15.810.394

Profit (Loss) for the period

80.967

 

 

 

Complete balance-sheet for the year

31/12/2008

(in Eur

x 1)

 

Item Type

Value

Sales

17.301.037

Profit (Loss) for the period

84.358

 

 

 

Complete balance-sheet for the year

31/12/2007

(in Eur

x 1)

 

Item Type

Value

Sales

4.496.459

Profit (Loss) for the period

90.218


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 31/12/2011 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2010 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2009 - 12 Mesi - Currency: - Amounts x 1

 

Years

2011

2010

2009

BALANCE SHEET ACCOUNTS

 

ASSETS

 

 

 

CREDITS VS PARTNERS

 

 

 

. Deposits not yet withdrawn

 

 

 

. Deposits already withdrawn

 

 

 

Total credits vs partners

 

 

 

FIXED ASSETS

 

 

 

. INTANGIBLE FIXED ASSETS

 

 

 

. . Start-up and expansion expenses

 

1.465

2.929

. . Research,develop. and advert.expens.

 

 

 

. . Industrial patent rights

 

12.173

 

. . Concessions,licenses,trademarks,etc.

4.068

 

 

. . Goodwill

 

 

 

. . Assets in formation and advance paymen.

 

 

 

. . Other intangible fixed assets

 

6.569

23.888

. Total Intangible Fixed Assets

4.068

20.207

26.817

. TANGIBLE FIXED ASSETS

 

 

 

. . Real estate

 

 

 

. . Plant and machinery

20.547

22.664

23.070

. . Industrial and commercial equipment

13.988

19.488

24.280

. . Other assets

180.113

183.485

171.399

. . Assets under construction and advances

 

 

 

. Total Tangible fixed assets

214.648

225.637

218.749

. FINANCIAL FIXED ASSETS

 

 

 

. . Equity investments

 

 

 

. . . Equity invest. in subsidiary companies

 

 

 

. . . Equity invest. in associated companies

 

 

 

. . . Equity invest. in holding companies

 

 

 

. . . Equity invest. in other companies

 

 

 

. . Financial receivables

49.932

32.759

11.299

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

49.932

32.759

11.299

. . . Receivab due from subsidiaries

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from assoc.comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from holding comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from third parties

49.932

32.759

11.299

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

49.932

32.759

11.299

. . Other securities

 

 

 

. . Own shares

 

 

 

. . . Total nominal value

 

 

 

. Total financial fixed assets

49.932

32.759

11.299

Total fixed assets

268.648

278.603

256.865

CURRENT ASSETS

 

 

 

. INVENTORIES

 

 

 

. . Raw materials and other consumables

 

 

 

. . Work in progress and semimanufactured

 

 

 

. . Work in progress on order

 

 

 

. . Finished goods

6.538.521

5.845.611

1.560.125

. . Advance payments

 

 

 

. Total Inventories

6.538.521

5.845.611

1.560.125

. CREDITS NOT HELD AS FIXED ASSETS

 

 

 

. . Within 12 months

12.483.205

13.806.614

12.476.847

. . Beyond 12 months

 

 

 

. . Trade receivables

11.489.753

12.510.475

12.148.054

. . . . Within 12 months

11.489.753

12.510.475

12.148.054

. . . . Beyond 12 months

 

 

 

. . Receivables due from subsid. comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from assoc. comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from holding comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Fiscal Receivables

30.437

898.621

56.660

. . . . Within 12 months

30.437

898.621

56.660

. . . . Beyond 12 months

 

 

 

. . Receivables for anticipated taxes

23.086

 

4.273

. . . . Within 12 months

23.086

 

4.273

. . . . Beyond 12 months

 

 

 

. . Receivables due from third parties

939.929

397.518

267.860

. . . . Within 12 months

939.929

397.518

267.860

. . . . Beyond 12 months

 

 

 

. Total Credits not held as fixed assets

12.483.205

13.806.614

12.476.847

. FINANCIAL ASSETS

 

 

 

. . Equity invest. in subsidiary comp.

 

 

 

. . Equity invest. in associated companies

 

 

 

. . Equity invest. in holding companies

 

 

 

. . Other equity investments

 

 

 

. . Own shares

 

 

 

. . . Total nominale value

 

 

 

. . Other securities

 

 

 

. Total Financial Assets

 

 

 

. LIQUID FUNDS

 

 

 

. . Bank and post office deposits

8.652

591

83.544

. . Checks

 

 

 

. . Banknotes and coins

34.083

21.088

9.275

. Total Liquid funds

42.735

21.679

92.819

Total current assets

19.064.461

19.673.904

14.129.791

ADJUSTMENT ACCOUNTS

 

 

 

. Discount on loans

 

 

 

. Other adjustment accounts

128.835

120.880

120.947

Total adjustments accounts

128.835

120.880

120.947

TOTAL ASSETS

19.461.944

20.073.387

14.507.603

 

 

 

 

LIABILITIES

 

 

 

STOCKHOLDERS' EQUITY

 

 

 

. Capital stock

25.000

25.000

25.000

. Additional paid-in capital

 

 

 

. Revaluation reserves

 

 

 

. Legal reserve

14.515

12.777

8.729

. Reserve for Own shares

 

 

 

. Statute reserves

 

 

 

. Other reserves

675.782

642.767

565.845

. Accumulated Profits (Losses)

 

 

 

. Profit( loss) of the year

7.418

34.758

80.967

. Advances on dividends

 

 

 

. Partial loss of the year Coverage

 

 

 

Total Stockholders'Equity

722.715

715.302

680.541

RESERVES FOR RISKS AND CHARGES

 

 

 

. . Reserve for employee termination indem.

 

 

 

. . Taxation fund, also differed

 

4.076

4.543

. . Other funds

41.139

32.715

22.261

Total Reserves for Risks and Charges

41.139

36.791

26.804

Employee termination indemnities

51.088

36.905

23.655

ACCOUNTS PAYABLE

 

 

 

. . . . Within 12 months

14.790.671

15.785.982

10.301.065

. . . . Beyond 12 months

3.856.331

3.498.407

3.465.038

. . Bonds

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Convertible bonds repayable

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to shareholders for financing

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to banks

3.286.056

3.283.149

1.852.737

. . . . Within 12 months

3.286.056

3.283.149

1.852.737

. . . . Beyond 12 months

 

 

 

. . Due to other providers of finance

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Advances from customers

50.455

158.833

256.960

. . . . Within 12 months

50.455

158.833

256.960

. . . . Beyond 12 months

 

 

 

. . Trade payables

15.099.994

15.625.351

11.503.033

. . . . Within 12 months

11.243.663

12.126.944

8.037.995

. . . . Beyond 12 months

3.856.331

3.498.407

3.465.038

. . Securities issued

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to subsidiary companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to associated companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to holding companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to the tax authorities

78.014

84.734

43.739

. . . . Within 12 months

78.014

84.734

43.739

. . . . Beyond 12 months

 

 

 

. . Due to social security and welfare inst.

31.612

29.107

21.127

. . . . Within 12 months

31.612

29.107

21.127

. . . . Beyond 12 months

 

 

 

. . Other payables

100.871

103.215

88.507

. . . . Within 12 months

100.871

103.215

88.507

. . . . Beyond 12 months

 

 

 

Total accounts payable

18.647.002

19.284.389

13.766.103

ADJUSTMENT ACCOUNTS

 

 

 

. Agio on loans

 

 

 

. Other adjustment accounts

 

 

10.500

Total adjustment accounts

 

 

10.500

TOTAL LIABILITIES

19.461.944

20.073.387

14.507.603

 

 

 

 

 

 

MEMORANDUM ACCOUNTS

 

Third party goods

 

 

 

Investment accounts

 

 

 

Risk accounts

 

 

 

Civil and fiscal norms relation

 

 

 

 

 

 

 

 

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

 

 

 

. Revenues from sales and services

14.503.249

16.777.929

15.810.394

. Changes in work in progress

 

 

 

. Changes in semi-manufact. products

 

 

 

. Capitalization of internal work

 

 

 

. Other income and revenues

115.932

78.512

51.837

. . Contributions for operating expenses

 

 

 

. . Different income and revenues

115.932

78.512

51.837

Total value of production

14.619.181

16.856.441

15.862.231

PRODUCTION COSTS

 

 

 

. Raw material,other materials and consum.

11.158.626

16.438.167

10.258.968

. Services received

2.248.838

2.864.785

2.809.700

. Leases and rentals

675.800

732.934

786.000

. Payroll and related costs

416.602

382.781

302.428

. . Wages and salaries

314.478

287.296

238.809

. . Social security contributions

81.374

76.393

48.685

. . Employee termination indemnities

20.750

19.092

14.934

. . Pension and similar

 

 

 

. . Other costs

 

 

 

. Amortization and depreciation

84.657

137.642

149.427

. . Amortization of intangible fixed assets

6.612

26.544

48.613

. . Amortization of tangible fixed assets

58.045

51.098

39.814

. . Depreciation of tangible fixed assets

 

 

 

. . Writedown of current receiv.and of liquid

20.000

60.000

61.000

. Changes in raw materials

-692.910

-4.285.486

986.175

. Provisions to risk reserves

 

 

 

. Other provisions

8.844

10.454

10.857

. Other operating costs

267.213

93.247

220.648

Total production costs

14.167.670

16.374.524

15.524.203

Diff. between value and cost of product.

451.511

481.917

338.028

FINANCIAL INCOME AND EXPENSE

 

 

 

. Income from equity investments

 

 

 

. . In subsidiary companies

 

 

 

. . In associated companies

 

 

 

. . In other companies

 

 

 

. Other financial income

21.168

7.913

30.437

. . Financ.income from receivables

 

 

 

. . . Towards subsidiary companies

 

 

 

. . . Towards associated companies

 

 

 

. . . Towards holding companies

 

 

 

. . . Towards other companies

 

 

 

. . Financ.income from secur. t.f.assets

 

 

 

. . Financ.income from secur. cur.assets

 

 

 

. . Financ.income other than the above

 

 

30.437

. . . - Subsidiary companies

 

 

 

. . . - Associated companies

 

 

 

. . . - Holding companies

 

 

 

. . . - Other companies

 

 

 

. Interest and other financial expense

-309.743

-314.882

-163.507

. . Towards subsidiary companies

 

 

 

. . Towards associated companies

 

 

 

. . Towards holding companies

 

 

 

. . Towards other companies

 

 

 

Total financial income and expense

-288.575

-306.969

-133.070

ADJUSTMENTS TO FINANCIAL ASSETS

 

 

 

. Revaluations

 

 

 

. . Of equity investments

 

 

 

. . Of financ.fixed assets not repres.E.I.

 

 

 

. . Of securities incl.among current assets

 

 

 

. Devaluation

 

 

 

. . Of equity investments

 

 

 

. . Of financial fixed assets (no equity inv)

 

 

 

. . Of securities included among current ass

 

 

 

Total adjustments to financial assets

 

 

 

EXTRAORDINARY INCOME AND EXPENSE

 

 

 

. Extraordinary income

2

43.009

17.031

. . Gains on disposals

 

 

 

. . Other extraordinary income

2

43.009

17.031

. Extraordinary expense

-77.935

-82.893

-47.200

. . Losses on disposals

 

 

 

. . Taxes relating to prior years

 

 

 

. . Other extraordinary expense

-77.935

-82.893

-47.200

Total extraordinary income and expense

-77.933

-39.884

-30.169

Results before income taxes

85.003

135.064

174.789

. Taxes on current income

77.585

100.306

93.822

. . current taxes

104.747

96.500

74.095

. . differed taxes(anticip.)

-27.162

3.806

19.727

. Net income for the period

7.418

34.758

80.967

. Adjustments in tax regulations pursuance

 

 

 

. Provisions in tax regulations pursuance

 

 

 

. Profit (loss) of the year

7.418

34.758

80.967

 

RATIOS

Value Type

as at 31/12/2011

as at 31/12/2010

as at 31/12/2009

Sector Average

COMPOSITION ON INVESTMENT

 

 

 

 

 

Rigidity Ratio

Units

0,01

0,01

0,02

0,09

Elasticity Ratio

Units

0,98

0,98

0,97

0,89

Availability of stock

Units

0,34

0,29

0,11

0,26

Total Liquidity Ratio

Units

0,64

0,69

0,87

0,54

Quick Ratio

Units

0,00

0,00

0,01

0,03

COMPOSITION ON SOURCE

 

 

 

 

 

Net Short-term indebtedness

Units

20,41

22,04

15,00

3,95

Self Financing Ratio

Units

0,04

0,04

0,05

0,17

Capital protection Ratio

Units

0,96

0,92

0,84

0,62

Liabilities consolidation quotient

Units

0,26

0,22

0,34

0,10

Financing

Units

25,80

26,96

20,23

4,85

Permanent Indebtedness Ratio

Units

0,24

0,21

0,29

0,29

M/L term Debts Ratio

Units

0,20

0,18

0,24

0,07

Net Financial Indebtedness Ratio

Units

4,49

4,56

2,59

1,04

CORRELATION

 

 

 

 

 

Fixed assets ratio

Units

17,23

15,26

16,23

2,37

Current ratio

Units

1,29

1,25

1,37

1,18

Acid Test Ratio-Liquidity Ratio

Units

0,85

0,88

1,22

0,80

Structure's primary quotient

Units

2,69

2,57

2,65

1,48

Treasury's primary quotient

Units

0,00

0,00

0,01

0,04

Rate of indebtedness ( Leverage )

%

2692,89

2806,28

2131,78

602,26

Current Capital ( net )

Value

4.273.790

3.887.922

3.828.726

191.984

RETURN

 

 

 

 

 

Return on Sales

%

0,63

1,03

1,46

2,03

Return on Equity - Net- ( R.O.E. )

%

1,03

4,86

11,90

6,31

Return on Equity - Gross - ( R.O.E. )

%

11,76

18,88

25,68

17,00

Return on Investment ( R.O.I. )

%

2,32

2,40

2,33

4,18

Return/ Sales

%

3,11

2,87

2,14

3,46

Extra Management revenues/charges incid.

%

1,64

7,21

23,95

27,96

Cash Flow

Value

92.075

172.400

230.394

44.823

Operating Profit

Value

451.511

481.917

338.028

74.603

Gross Operating Margin

Value

545.012

630.013

487.564

111.383

MANAGEMENT

 

 

 

 

 

Credits to clients average term

Days

285,20

268,43

276,61

113,70

Debts to suppliers average term

Days

385,99

280,75

298,90

118,14

Average stock waiting period

Days

162,30

125,43

35,52

72,90

Rate of capital employed return ( Turnover )

Units

0,75

0,84

1,09

1,25

Rate of stock return

Units

2,22

2,87

10,13

4,88

Labour cost incidence

%

2,87

2,28

1,91

8,14

Net financial revenues/ charges incidence

%

-1,99

-1,83

-0,84

-1,38

Labour cost on purchasing expenses

%

2,94

2,34

1,95

8,25

Short-term financing charges

%

1,66

1,63

1,19

2,76

Capital on hand

%

134,19

119,64

91,76

79,85

Sales pro employee

Value

1.115.634

1.118.528

1.581.039

397.742

Labour cost pro employee

Value

32.046

25.518

30.242

33.267

 


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.55.78

UK Pound

1

Rs.86.75

Euro

1

Rs.68.32

 

INFORMATION DETAILS

 

Report Prepared by :

MNL

 

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%)

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.