MIRA INFORM REPORT

 

 

Report Date :

09.08.2012

 

IDENTIFICATION DETAILS

 

Name :

BELLUTI RAPPRESENTANZE S.R.L.

 

 

Registered Office :

Via Mar Egeo, 67 63821 – Porto Sant’Elpidio FM

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2010

 

 

Date of Incorporation :

15.01.2003

 

 

Legal Form :

Limited liability company

 

 

Line of Business :

Wholesale of textiles

 

 

No. of Employees :

2

 

 

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

 

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)

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 and address

 

Belluti Rappresentanze S.r.l.

 

Via

Mar Egeo,

67

 

63821

- Porto Sant'Elpidio

(FM)

-IT-

 

 

Summary

 

Fiscal Code

:

01635430448

Legal Form

:

Limited liability company

start of Activities

:

15/01/2003

Equity

:

100.000

Turnover Range

:

200.000/250.000

Number of Employees

:

from 1 to 5

 

 

Activity

 

Agents and representatives of raw textile fibres and semi-finished goods, leather and skins

Wholesale of textiles

Other business consultancy and other management consultancy activities

 

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 01635430448

 

Chamber of Commerce no. : 161499 of

 

Chamber of Commerce no. : 161499 of since 27/02/2009

 

Firms' Register : AP-2000-6271 of

 

V.A.T. Code : 01635430448

 

Trade Agents Licence : of since 16/12/2002

 

Establishment date

: 26/01/2000

Start of Activities

: 15/01/2003

Legal duration

: 31/12/2030

Nominal Capital

: 25.500

 

Subscribed Capital

: 25.500

 

Paid up Capital

: 21.250

 

 

 

Members

 

 

Belluti

Simone

 

 

 

Born in Sant'Elpidio a Mare

(AP)

on 15/01/1962

- Fiscal Code : BLLSMN62A15I324S

 

 

 

Residence:

 

Trani

, 11

- 63900

Fermo

(FM)

- IT -

 

Position

Since

Shares Amount

% Ownership

Board Chairman

02/06/2012

 

 

Director

02/06/2012

 

 

Managing Director

02/06/2012

 

 

 

 

No Prejudicial events are reported

 

 

No Protests registered

 

 

Salvatori

Fabrizio

 

 

 

Born in Porto San Giorgio

(AP)

on 03/09/1962

- Fiscal Code : SLVFRZ62P03G920Y

 

 

 

Residence:

 

Pescolla

, 9/4

- 63821

Porto Sant'Elpidio

(FM)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

02/06/2012

 

 

 

 

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

Belluti Simone

Fermo - IT -

BLLSMN62A15I324S

10.625 .Eur

50,00

Spampinato Mandolini Tania

 

SPMTNA64E67G920J

10.625 .Eur

50,00

 

 

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

 

 

 

 

 

 

 

Mar Egeo

, 67

- 63018

- Porto Sant'Elpidio

(FM)

- IT -

 

 

 

 

Legal mail

: BELLUTISRL@PEC.IT

 

-

Branch

(office)

since 01/02/2011

 

 

 

 

 

 

Nibbi

, 5

- 63017

- Porto San Giorgio

(FM)

- IT -

 

-

Branch

(Operating branch)

since 17/02/2006

 

 

 

 

 

Harrington Road

, 21

- Chetpet Chennai

(EE)

- IN -

 

 

 

 

Employees

: 2

 

 

Historical Information and/or Firm's Status

 

EX-MEMBERS / EX-POSITIONS:

 

 

Mercuri

Francesco

 

 

 

Born in SANTA VITTORIA IN MATENANO

(AP)

on 29/07/1939

- Fiscal Code : MRCFNC39L29I315J

 

 

 

Residence:

 

PESARO

, 68

- 63018

Porto Sant'Elpidio

(AP)

- IT -

 

Ex-Postions

Sole Director



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

 

Subject is active since 2003

The eonomic-financial analysis is based on the latest 3 b/s.

During the last years, it achieved profits (r.o.e. 4,55% on 2010) and during the last financial year an increase in sales volume was registered (+61,83% in 2010).

The operating result was positive in the last financial year (11,43%) and in line with the sector's average.

The amount of the operating result for the year 2010 is of Eur. 23.165 , on more or less the same values as in the year before.

During the latest financial year the gross operating margin amounted to Eur. 41.235 ,with no change if compared to the year before.

Very good financial situation: shareholder's equity covers short-terms debts with an indebtedness level equal to 0,87 and with an upward trend compared to the previous year.

It's shareholders funds amount to Eur. 92.233 , unchanged as opposed to the preceding year.

Total debts (both short and M/L term) equals Eur. 101.925, showing a stable trend as opposed to 2009 (Eur. 122.263).

The recourse to financial credit is within the limits; on the other hand the recourse to suppliers' credit is rated as fairly high and higher than sector's average.

Neverthless available funds are good.

Trade credits are collected slowly, average term is 135,87 days. within the average values of the sector.

As far as the cash flow is concerned during the latest financial year it amounted to Eur. 22.268

Labour cost amounts to Eur. 29.652, with a 16,05% incidence on production costs. and a 14,26% incidence on sales volumes.

Finacial chareges are high: the incidence on sales volume amounts to -3,69%



Financial Data

 

 

 

Complete balance-sheet for the year

31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

207.884

Profit (Loss) for the period

4.198

 

 

 

Complete balance-sheet for the year

31/12/2009

(in Eur

x 1)

 

Item Type

Value

Sales

128.452

Profit (Loss) for the period

6.805

 

 

 

Complete balance-sheet for the year

31/12/2008

(in Eur

x 1)

 

Item Type

Value

Sales

259.946

Profit (Loss) for the period

11.648

 

 

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 31/12/2010 - 12 Mesi - Currency: - Amounts x 1

 

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

 

- Balance Sheet as at 31/12/2008 - 12 Mesi - Currency: - Amounts x 1

 

Years

2010

2009

2008

BALANCE SHEET ACCOUNTS

 

ASSETS

 

 

 

CREDITS VS PARTNERS

 

 

 

. Deposits not yet withdrawn

4.476

4.476

11.076

. Deposits already withdrawn

 

 

 

Total credits vs partners

4.476

4.476

11.076

FIXED ASSETS

 

 

 

. INTANGIBLE FIXED ASSETS

 

 

 

. . Start-up and expansion expenses

 

 

 

. . Research,develop. and advert.expens.

 

 

 

. . Industrial patent rights

 

 

 

. . Concessions,licenses,trademarks,etc.

 

 

 

. . Goodwill

 

 

 

. . Assets in formation and advance paymen.

 

 

 

. . Other intangible fixed assets

 

 

 

. Total Intangible Fixed Assets

6.128

4.585

2.473

. TANGIBLE FIXED ASSETS

 

 

 

. . Real estate

 

 

 

. . Plant and machinery

 

 

 

. . Industrial and commercial equipment

 

 

 

. . Other assets

 

 

 

. . Assets under construction and advances

 

 

 

. Total Tangible fixed assets

43.122

55.946

36.735

. 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

25.000

25.000

 

. . . . Within 12 months

25.000

 

 

. . . . Beyond 12 months

 

25.000

 

. . . 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

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Other securities

 

 

 

. . Own shares

 

 

 

. . . Total nominal value

 

 

 

. Total financial fixed assets

25.000

25.000

25.000

Total fixed assets

74.250

85.531

64.208

CURRENT ASSETS

 

 

 

. INVENTORIES

 

 

 

. . Raw materials and other consumables

 

 

 

. . Work in progress and semimanufactured

 

 

 

. . Work in progress on order

 

 

 

. . Finished goods

 

 

 

. . Advance payments

 

 

 

. Total Inventories

 

18.626

 

. CREDITS NOT HELD AS FIXED ASSETS

 

 

 

. . Within 12 months

96.905

76.956

101.219

. . Beyond 12 months

 

 

 

. . Trade receivables

78.456

52.706

56.494

. . . . Within 12 months

78.456

52.706

56.494

. . . . 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

13.746

21.350

23.344

. . . . Within 12 months

13.746

21.350

23.344

. . . . Beyond 12 months

 

 

 

. . Receivables for anticipated taxes

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from third parties

4.703

2.900

21.381

. . . . Within 12 months

4.703

2.900

21.381

. . . . Beyond 12 months

 

 

 

. Total Credits not held as fixed assets

96.905

76.956

101.219

. 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

2.046

46

 

. LIQUID FUNDS

 

 

 

. . Bank and post office deposits

 

 

 

. . Checks

 

 

 

. . Banknotes and coins

 

 

 

. Total Liquid funds

21.759

31.029

9.851

Total current assets

120.710

126.657

111.070

ADJUSTMENT ACCOUNTS

 

 

 

. Discount on loans

 

 

 

. Other adjustment accounts

3.239

567

5.542

Total adjustments accounts

3.239

567

5.542

TOTAL ASSETS

202.675

217.231

191.896

 

 

 

 

LIABILITIES

 

 

 

STOCKHOLDERS' EQUITY

 

 

 

. Capital stock

25.500

25.500

25.500

. Additional paid-in capital

 

 

 

. Revaluation reserves

 

 

 

. Legal reserve

5.100

5.100

5.100

. Reserve for Own shares

 

 

 

. Statute reserves

 

 

 

. Other reserves

57.435

51.341

38.010

. Accumulated Profits (Losses)

 

 

 

. Profit( loss) of the year

4.198

6.805

11.648

. Advances on dividends

 

 

 

. Partial loss of the year Coverage

 

 

 

Total Stockholders'Equity

92.233

88.746

80.258

RESERVES FOR RISKS AND CHARGES

 

 

 

. . Reserve for employee termination indem.

 

 

 

. . Taxation fund, also differed

 

 

 

. . Other funds

 

 

 

Total Reserves for Risks and Charges

 

 

 

Employee termination indemnities

7.141

5.562

4.094

ACCOUNTS PAYABLE

 

 

 

. . . . Within 12 months

101.925

122.263

105.936

. . . . Beyond 12 months

 

 

 

. . 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

17.384

39.112

25.638

. . . . Within 12 months

17.384

39.112

25.638

. . . . Beyond 12 months

 

 

 

. . Due to other providers of finance

 

2.106

3.500

. . . . Within 12 months

 

2.106

3.500

. . . . Beyond 12 months

 

 

 

. . Advances from customers

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Trade payables

63.715

67.760

56.598

. . . . Within 12 months

63.715

67.760

56.598

. . . . Beyond 12 months

 

 

 

. . 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

17.731

12.763

16.779

. . . . Within 12 months

17.731

12.763

16.779

. . . . Beyond 12 months

 

 

 

. . Due to social security and welfare inst.

2.095

522

1.633

. . . . Within 12 months

2.095

522

1.633

. . . . Beyond 12 months

 

 

 

. . Other payables

1.000

 

1.788

. . . . Within 12 months

1.000

 

1.788

. . . . Beyond 12 months

 

 

 

Total accounts payable

101.925

122.263

105.936

ADJUSTMENT ACCOUNTS

 

 

 

. Agio on loans

 

 

 

. Other adjustment accounts

1.376

660

1.608

Total adjustment accounts

1.376

660

1.608

TOTAL LIABILITIES

202.675

217.231

191.896

 

 

 

 

 

 

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

207.884

128.452

259.946

. Changes in work in progress

 

 

 

. Changes in semi-manufact. products

 

 

 

. Capitalization of internal work

 

 

 

. Other income and revenues

9

33.124

12.561

. . Contributions for operating expenses

 

 

 

. . Different income and revenues

9

33.124

12.561

Total value of production

207.893

161.576

272.507

PRODUCTION COSTS

 

 

 

. Raw material,other materials and consum.

993

18.460

946

. Services received

108.109

80.811

151.139

. Leases and rentals

 

328

2.882

. Payroll and related costs

29.652

26.407

40.785

. . Wages and salaries

21.489

19.390

29.728

. . Social security contributions

6.566

5.539

9.594

. . Employee termination indemnities

1.597

1.478

1.463

. . Pension and similar

 

 

 

. . Other costs

 

 

 

. Amortization and depreciation

18.070

14.626

17.599

. . Amortization of intangible fixed assets

2.457

1.012

2.041

. . Amortization of tangible fixed assets

15.613

13.614

15.558

. . Depreciation of tangible fixed assets

 

 

 

. . Writedown of current receiv.and of liquid

 

 

 

. Changes in raw materials

16.226

-16.226

 

. Provisions to risk reserves

 

 

 

. Other provisions

 

 

 

. Other operating costs

11.678

8.786

23.927

Total production costs

184.728

133.192

237.278

Diff. between value and cost of product.

23.165

28.384

35.229

FINANCIAL INCOME AND EXPENSE

 

 

 

. Income from equity investments

 

 

 

. . In subsidiary companies

 

 

 

. . In associated companies

 

 

 

. . In other companies

 

 

 

. Other financial income

 

2

17

. . 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

 

 

 

. . . - Subsidiary companies

 

 

 

. . . - Associated companies

 

 

 

. . . - Holding companies

 

 

 

. . . - Other companies

 

 

 

. Interest and other financial expense

-7.674

-10.609

-9.106

. . Towards subsidiary companies

 

 

 

. . Towards associated companies

 

 

 

. . Towards holding companies

 

 

 

. . Towards other companies

 

 

 

Total financial income and expense

-7.674

-10.607

-9.089

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

1

 

 

. . Gains on disposals

 

 

 

. . Other extraordinary income

1

 

 

. Extraordinary expense

 

 

 

. . Losses on disposals

 

 

 

. . Taxes relating to prior years

 

 

 

. . Other extraordinary expense

 

 

 

Total extraordinary income and expense

1

 

 

Results before income taxes

15.492

17.777

26.140

. Taxes on current income

11.294

10.972

14.492

. . current taxes

11.294

10.972

14.492

. . differed taxes(anticip.)

 

 

 

. Net income for the period

4.198

6.805

11.648

. Adjustments in tax regulations pursuance

 

 

 

. Provisions in tax regulations pursuance

 

 

 

. Profit (loss) of the year

4.198

6.805

11.648

 

RATIOS

Value Type

as at 31/12/2010

as at 31/12/2009

as at 31/12/2008

Sector Average

COMPOSITION ON INVESTMENT

 

 

 

 

 

Rigidity Ratio

Units

0,37

0,39

0,33

0,12

Elasticity Ratio

Units

0,60

0,58

0,58

0,84

Availability of stock

Units

n.c.

0,09

n.c.

0,05

Total Liquidity Ratio

Units

0,60

0,50

0,58

0,80

Quick Ratio

Units

0,12

0,14

0,05

0,05

COMPOSITION ON SOURCE

 

 

 

 

 

Net Short-term indebtedness

Units

0,87

1,03

1,20

3,43

Self Financing Ratio

Units

0,46

0,41

0,42

0,20

Capital protection Ratio

Units

0,68

0,64

0,54

0,33

Liabilities consolidation quotient

Units

0,07

0,05

0,04

0,10

Financing

Units

1,11

1,38

1,32

3,78

Permanent Indebtedness Ratio

Units

0,49

0,43

0,44

0,28

M/L term Debts Ratio

Units

0,04

0,03

0,02

0,06

Net Financial Indebtedness Ratio

Units

0,00

0,11

0,24

0,00

CORRELATION

 

 

 

 

 

Fixed assets ratio

Units

1,34

1,10

1,31

1,98

Current ratio

Units

1,18

1,04

1,05

1,14

Acid Test Ratio-Liquidity Ratio

Units

1,18

0,88

1,05

1,09

Structure's primary quotient

Units

1,24

1,04

1,25

1,29

Treasury's primary quotient

Units

0,23

0,25

0,09

0,10

Rate of indebtedness ( Leverage )

%

219,74

244,78

239,10

491,47

Current Capital ( net )

Value

18.785

4.395

5.135

35.543

RETURN

 

 

 

 

 

Return on Sales

%

10,71

16,68

11,25

3,05

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

%

4,55

7,67

14,51

7,55

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

%

16,80

20,03

32,57

24,65

Return on Investment ( R.O.I. )

%

11,43

13,07

18,36

3,78

Return/ Sales

%

11,14

22,10

13,55

3,83

Extra Management revenues/charges incid.

%

18,12

23,97

33,06

32,71

Cash Flow

Value

22.268

21.431

29.247

20.105

Operating Profit

Value

23.165

28.384

35.229

19.999

Gross Operating Margin

Value

41.235

43.010

52.828

36.669

MANAGEMENT

 

 

 

 

 

Credits to clients average term

Days

135,87

147,71

78,24

125,36

Debts to suppliers average term

Days

210,24

244,91

131,48

114,98

Average stock waiting period

Days

n.c.

52,20

n.c.

14,52

Rate of capital employed return ( Turnover )

Units

1,03

0,59

1,35

1,20

Rate of stock return

Units

n.c.

6,90

n.c.

22,80

Labour cost incidence

%

14,26

20,56

15,69

21,33

Net financial revenues/ charges incidence

%

-3,69

-8,26

-3,50

-0,41

Labour cost on purchasing expenses

%

16,05

19,83

17,19

18,51

Short-term financing charges

%

7,53

8,68

8,60

1,38

Capital on hand

%

97,49

169,11

73,82

83,01

Sales pro employee

Value

207.884

128.452

259.946

170.908

Labour cost pro employee

Value

29.652

26.407

40.785

34.338

 

 

SOURCES

 

Our Company collects data from public registers, lists, archives or contained in Acts and/or documents (held by the National Chamber of Commerce or Immovables Territorial Agency), users, reporters or however generally accessible (for example, from categorical lists, statistical institutes, press reports and from public inspection internet sites).

 

The present report is supplied for Your exclusive use and is bond to the general conditions of the contract. Personal Data collection and treatment, reported, are conform to our company's activities and to Your mandate conferred to us by Your request, for the purposes in relation to Marketing Management, Sales and Monetary Administration. It does not contain, nor could contain, information cancelled by a justified opposition right.

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.55.14

UK Pound

1

Rs.86.00

Euro

1

Rs.68.31

 

 

INFORMATION DETAILS

 

Report Prepared by :

PDT

 

 

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.