|
Report Date : |
10.08.2012 |
IDENTIFICATION DETAILS
|
Name : |
PREMIATA
TINTAS E VERNIZES GRÁFICOS LTDA |
|
|
|
|
Registered Office : |
Rua Ado
Benatti, 20 - Vila Chalot,
05037-010 - São Paulo/Sp |
|
|
|
|
Country : |
Brazil |
|
|
|
|
Financials (as on) : |
31.12.2011 |
|
|
|
|
Date of Incorporation : |
28.02.2000 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
Manufacture Of Graphical Inks. |
|
|
|
|
No. of Employees : |
Not Available |
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) |
|
Brazil |
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
PREMIATA
TINTAS E VERNIZES GRÁFICOS LTDA
|
MAIN
ADDRESS: |
RUA ADO BENATTI, 20 - VILA CHALOT |
|
ZIP CODE/CITY: |
05037-010 - SÃO PAULO/SP |
|
|
|
|
PHONE: |
11 3611-1140 |
|
FAX: |
11 3611-1146 |
|
E-MAIL: |
financeiro@premiata.com.br |
|
WEB SITE: |
www.premiata.com.br |
|
INQUIRY
DETAILS: |
|
|
|
|
|
GIVEN
WEBSITE: |
www.premiatatintas.com.br |
|
CORRECT WEBSITE: |
THE CURRENT E-MAIL ADDRESS IS STATED ABOVE |
|
|
|
|
BRANCHES: |
|
|
|
|
|
ADDRESS: |
RUA ENGENHEIRO PITA BRITO,138 JARDIM PROMISSAO |
|
ZIP CODE/CITY: |
04753-080 SAO PAULO/SP |
|
MAIN
ACTIVITIES: |
|
MANUFACTURE OF GRAPHICAL INKS |
|
LEGAL FORM: |
LIMITED LIABILITY COMPANY |
|
|
|
|
INCORPORATION DATE: |
28/02/2000 |
|
REGISTER DATE: |
28/02/2000 |
|
BALANCE SHEET FILING DATE: |
31/12 |
|
TAX CONTRIBUTOR NUMBER(CNPJ): |
03.687.143/0001-01 |
|
STATE REGISTER: |
115.492.759.110 |
|
|
|
|
SHARE CAPITAL: |
R$ 150.000,00 |
|
LAST REGISTER OF CAPITAL: |
14/10/2002 |
|
BOARD
OF DIRECTORS: |
|
|
|
|
|
CLÁUDIO ALMEIDA RODRIGUES |
INDUSTRIAL DIRECTOR |
|
SANDRO GARBIM |
TECHNICAL DIRECTOR |
|
FRANCISCO SILVINO DIEGUES |
ADM./FINANCIAL DIRECTOR |
|
EDSON ZANETTI SKRZECZKOWSKI |
COMMERCIAL DIRECTOR |
|
JOSÉ ANTONIO AZEVEDO AFONSO |
COMMERCIAL DIRECTOR |
|
CARLOS ALBERTO QUINTAS SERRADURA |
COMMERCIAL DIRECTOR |
|
THE DIRECTORS ARE AUTHORIZED TO SIGN ON BEHALF OF THE
COMPANY. |
|
SHAREHOLDERS
/ PARTNERS: |
|
|
|
|
|
CLÁUDIO ALMEIDA RODRIGUES |
R$
25.000,00 |
|
SANDRO GARBIM |
R$
25.000,00 |
|
FRANCISCO SILVINO DIEGUES |
R$
25.000,00 |
|
EDSON ZANETTI SKZECZKOWSKI |
R$
25.000,00 |
|
JOSÉ ANTÔNIO AZEVEDO AFONSO |
R$
25.000,00 |
|
CARLOS ALBERTO QUINTAS SERRADURA |
R$ 25.000,00 |
|
AFFILIATES
/ SUBSIDIARIES: |
|
|
A
SCAN THROUGH OUTSIDE SOURCES SHOWED THE SUBJECT AND/OR PARTNERS HAVE THE
FOLLOWING UNCONFIRMED HOLDINGS: |
|
|
PREMIATA INDUSTRIAL
DE TINTAS LTDA |
|
|
PREPAR
PARTICIPACOES LTDA |
|
|
PREMIATA ESPECIALIDADES
QUIMICAS LTDA |
|
|
THE SUBJECT WAS ESTABLISHED ON FEBRUARY 28, 2000 TO BE
ENGAGED IN THE SAID LINE OF BUSINESS AND UP TO DATE IT IS STILL OPERATING
WITHIN THE GENERAL SCENE REPORTED HEREIN. TRADE NAME: PREMIATA. PARTNERS: CLÁUDIO ALMEIDA RODRIGUES: BRAZILIAN, HOLDER OF DOCUMENTS
CPF 106.883.418-88, RG 20.496.765 SP, RESIDENTIAL ADDRESS AT RUA BALTAZAR DA
SILVEIRA, 172, APTO. 31, VILA PEREIRA CERCA, CEP 02931-040, SÃO PAULO/SP; SANDRO GARBIM: BRAZILIAN, HOLDER OF DOCUMENTS CPF
136.853.008-73, RG 18.192.317 SP, RESIDENTIAL ADDRESS AT RUA PROFESSOR
ANTONIO DE PAULA DOS SANTOS, 92, CHÁCARA INGLESA, CEP 05140-120, SÃO
PAULO/SP; FRANCISCO SILVINO DIEGUES: BRAZILIAN, HOLDER OF DOCUMENTS
CPF 042.919.057-34, RG 018795567, RESIDENTIAL ADDRESS AT ALAMEDA DOS
ARAPANES, 631, APTO. 142, MOEMA, CEP 04524-001, SÃO PAULO/SP; EDSON ZANETTI SKZECZKOWSKI: BRAZILIAN, HOLDER OF DOCUMENTS
CPF 087.494.378-79, RG 171948634 SP, RESIDENTIAL ADDRESS AT ALAMEDA DOS MOGNOS,
165, CONDOMINIO ALPES DE VINHEDO, CEP 13280-000, VINHEDO/SP; JOSÉ ANTÔNIO AZEVEDO AFONSO: BRAZILIAN, HOLDER OF
DOCUMENTS CPF 056.481.028-28, RG 13263420 SP, RESIDENTIAL ADDRESS AT AVENIDA
WASHINGTON LUÍS, 1277, BL. A, APTO. 52, CAMPO GRANDE, CEP 04662-002, SÃO
PAULO/SP; CARLOS ALBERTO QUINTAS SERRADURA: BRAZILIAN, HOLDER OF
DOCUMENTS CPF 013.078.368-44, RG 9396216 SP, RESIDENTIAL ADDRESS AT RUA LUIZ
ARNONI, 262, VILA IRMÃOS ARNONI, CEP 02375-110, SÃO PAULO/SP. FURTHER DETAILS ARE SO FAR NOT KNOWN. |
|
PUBLIC
INFORMATION: |
|
NO DETRIMENTAL FILES WERE FOUND. |
|
TO ITS LEGAL FORM SUBJECT IS NOT OBLIGED TO PUBLISH
BALANCE SHEET INFORMATION. WHEN INTERVIEWED SOURCES AT THE SUBJECT STATED NO BALANCE
SHEET INFORMATION IS AVAILABLE. THE SUBJECT FILES THE ACCOUNTS THROUGH AN ACCOUNTANCY
PROCEEDING NAMED "LUCRO PRESUMIDO" (PRESUMED PROFIT) WHICH EXEMPTS
IT OF BUILDING UP BALANCE SHEET OR ANY OTHER BOOKING PROCEEDINGS WHICH ARE
USUAL FOR COMPANIES WHICH FILE ACCOUNTS THROUGH THE ACCOUNTANCY PROCEEDING
NAMED "LUCRO REAL" (REAL PROFIT). NEVERTHELESS, THEY HAVE DISCLOSED THE FOLLOWING FINANCIAL
FIGURES: |
|
GENERAL BALANCE SHEETS AS OF 31/12/2011 AND 31/12/2010. |
|
( FIGURES ARE IN REAIS ). |
|
ASSETS
|
|
|
|
|
CURRENT: |
31/12/2011 |
31/12/2010 |
|
|
|
|
|
|
|
CASH AND CASH EQUIVALENTS |
164.781,36 |
408.498,68 |
|
|
CLIENTS |
13.585.149,07 |
3.452.105,45 |
|
|
BANKS |
15.580,98 |
|
|
|
INVENTORY |
3.103.021,40 |
3.170.689,29 |
|
|
GRANTED LOANS |
6.232.480,32 |
|
|
|
ADVANCES |
1.483.283,44 |
|
|
|
RECOVERABLE TAXES |
|
2.028.017,31 |
|
|
|
---------------- |
---------------- |
|
|
TOTAL CURRENT ASSETS |
24.584.296,57 |
9.059.310,73 |
|
|
FIXED
ASSETS: |
|
|
|
|
|
|
|
|
|
FIXED ASSETS |
3.655.682,09 |
2.558.480,30 |
|
|
|
---------------- |
---------------- |
|
|
TOTAL FIXED ASSETS |
3.655.682,09 |
2.558.480,30 |
|
|
|
================ |
================ |
|
|
TOTAL ASSETS |
28.239.978,66 |
11.617.791,03 |
|
|
LIABILITIES: |
|
|
|
|
CURRENT:
|
31/12/2011 |
31/12/2010 |
|
|
|
|
|
|
|
SUPPLIERS |
4.886.357,57 |
510.899,03 |
|
|
LOANS AND FINANCING |
7.243,53 |
133.333,36 |
|
|
TRIBUTARY OBLIGATIONS |
552.684,86 |
664.233,86 |
|
|
LABOR OBLIGATIONS |
150.073,19 |
116.982,29 |
|
|
SOCIAL OBLIGATIONS |
|
123.684,06 |
|
|
PROFIT SHARING |
|
340.000,00 |
|
|
OTHER |
|
29.572,70 |
|
|
|
---------------- |
---------------- |
|
|
TOTAL CURRENT LIABILITIES |
5.596.359,15 |
1.918.705,30 |
|
|
NET
EQUITY: |
|
|
|
|
|
|
|
|
|
SHARE CAPITAL |
150.000,00 |
150.000,00 |
|
|
CAPITAL RESERVES |
|
890.000,00 |
|
|
ADJUSTMENTS |
11.355.571,53 |
|
|
|
ACCRUED PROFIT (LOSS) |
8.659.085,73 |
3.859.126,94 |
|
|
PROFIT (LOSS) OF PERIOD |
2.478.962,25 |
4.799.958,79 |
|
|
|
---------------- |
---------------- |
|
|
TOTAL NET EQUITY |
22.643.619,51 |
9.699.085,73 |
|
|
|
================ |
================ |
|
|
TOTAL LIABILITIES |
28.239.978,66 |
11.617.791,03 |
|
|
PROFIT AND LOSS ACCOUNTS AS OF 31/12/2011 AND 31/12/2010. |
|
( FIGURES ARE IN REAIS ). |
|
|
31/12/2011 |
31/12/2010 |
|
|
|
|
|
|
|
GROSS SALES |
33.536.123,38 |
35.877.545,98 |
|
|
(-) TAXES ON SALES |
6.317.621,78 |
6.722.118,67 |
|
|
|
---------------- |
---------------- |
|
|
NET SALES |
27.218.501,60 |
29.155.427,31 |
|
|
(-) COST OF SOLD GOODS |
15.091.255,52 |
12.412.335,11 |
|
|
|
---------------- |
---------------- |
|
|
GROSS PROFIT |
12.127.246,08 |
16.743.092,20 |
|
|
OPERATING REVENUE (EXPENSE) |
-8.484.711,12 |
-7.773.728,14 |
|
|
FINANCIAL REVENUE(EXPENSE) |
-127.630,41 |
-81.525,52 |
|
|
|
---------------- |
---------------- |
|
|
OPERATIONAL PROFIT (LOSS) |
3.514.904,55 |
8.887.838,54 |
|
|
CONTRIBUTION/INCOME TAX |
-1.035.942,30 |
-1.087.879,75 |
|
|
PROFIT SHARING |
|
-3.000.000,00 |
|
|
|
---------------- |
---------------- |
|
|
NET PROFIT (LOSS) |
2.478.962,25 |
4.799.958,79 |
|
|
MONTHLY
SALES |
|||
|
|
2012 |
|
|
|
|
--------------------- |
|
|
|
JANUARY |
R$
2.477.581,73 |
|
|
|
FEBRUARY |
R$
2.433.974,81 |
|
|
|
MARCH |
|
|
|
|
APRIL |
|
|
|
|
MAY |
|
|
|
|
JUNE |
|
|
|
|
JULY |
|
|
|
|
AUGUST |
|
|
|
|
SEPTEMBER |
|
|
|
|
OCTOBER |
|
|
|
|
NOVEMBER |
|
|
|
|
DECEMBER |
|
|
|
|
TOTAL |
R$
4.911.556,54 |
|
|
|
RATIOS: |
31/12/2011 |
31/12/2010 |
|
|
QUICK RATIO |
3,84 |
|
3,07 |
|
|
|
|
CURRENT RATIO |
4,39 |
|
4,72 |
|
|
|
|
ACCOUNTS RECEIVABLE TURNOVER |
2,00 |
TIMES |
8,45 |
TIMES |
|
|
|
DAYS' SALES IN RECEIVABLES |
179,68 |
DAYS |
42,63 |
DAYS |
|
|
|
INVENTORY TURNOVER |
4,86 |
TIMES |
3,91 |
TIMES |
|
|
|
ACCOUNTS PAYABLE PERIOD |
116,56 |
DAYS |
14,82 |
DAYS |
|
|
|
RETURN ON ASSETS |
,96 |
TIMES |
2,51 |
TIMES |
|
|
|
SALES TURNOVER ON NET EQUITY |
1,20 |
TIMES |
3,01 |
TIMES |
|
|
|
NET WORTH TIE-UP |
,16 |
|
,26 |
|
|
|
|
INDEBTEDNESS |
,25 |
|
,20 |
|
|
|
|
EQUITY RATIO |
80,18 |
% |
83,48 |
% |
|
|
|
WORKING CAPITAL RATIO |
339,29 |
% |
372,16 |
% |
|
|
|
GENERAL SOLVENCY |
5,05 |
|
6,06 |
|
|
|
|
RETURN ON NET EQUITY |
10,95 |
% |
49,49 |
% |
|
|
|
RETURN ON SALES (PROFIT MARGIN) |
9,11 |
% |
16,46 |
% |
|
|
|
GROSS PROFIT MARGIN |
44,56 |
% |
57,43 |
% |
|
|
|
OPERATIONAL RESULT |
12,91 |
% |
30,48 |
% |
|
|
|
SALES TURNOVER ON LIABILITIES |
4,86 |
TIMES |
15,20 |
TIMES |
|
|
|
EXCHANGE
RATE: |
|
|
US$ 1,00 = R$ 2,03 |
- OFFICIAL RATE ON
03/08/2012 |
|
US$ 1,00 = R$ 1,87 |
- OFFICIAL RATE ON
31/12/2011 |
|
US$ 1,00 = R$ 1,66 |
- OFFICIAL RATE ON
31/12/2010 |
|
COMMENTS
ON THE FINANCIAL INFORMATION: |
|
FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS. THE FIGURES AVAILABLE SHOW A GOOD FINANCIAL STANDING. IT HAS
HIGH LIQUIDITY RATIOS AND POSITIVE WORKING CAPITAL, AS WELL AS LOW LEVEL OF
INDEBTEDNESS. SALES DROPPED BUT SHOWS GOOD PROFIT. ACCORDING TO THE RULES OF THE ACCOUNTANCY PROCEEDING
FOLLOWED BY THE SUBJECT, IT COLLECTS THE TAXES, WHICH ARE DUE OVER THE GROSS
SALES AMOUNT. THE TAXES SHOULD BE COLLECTED EITHER WITH PROFIT OR LOSS AT THE
END OF THE FISCAL YEAR. REGARDING THE RULES OF THE ABOVE SAID PROCEEDING IT MAY BE
POSSIBLE TO STATE THAT COMPANIES WHICH FILE ACCOUNTS THROUGH THIS PROCEEDING
ARE PROFITABLE COMPANIES. IT IS STATED BECAUSE THE MAIN DIFFERENCE OF THE
PROCEEDING NAMED "LUCRO REAL" AND THE ONE NAMED "LUCRO
PRESUMIDO" IS THAT IN THE FIRST THE COMPANY ONLY PAYS INCOME TAX WHEN IT
HAS PROFIT AT THE END OF THE FISCAL YEAR, WHILE IN THE LAST THE COMPANY PAYS
INCOME TAX REGARDLESS IT HAS PROFIT OR LOSS. THEREFORE, IF ANY COMPANY WHICH
ADOPTS THE "PRESUMED PROFIT" PROCEEDING WAS NOT PROFITABLE IT WOULD
BE A BETTER OPTION TO FILE ACCOUNTS THROUGH THE "LUCRO REAL"
PROCEEDING BECAUSE IN THIS PROCEEDING TAXES ARE DUE ONLY WHEN PROFITABLE
RESULTS ARE MET. IN CASE OF LOSSES NO INCOME TAX IS DUE. |
|
REAL
ESTATE: |
NOT AVAILABLE
|
VEHICLES: |
NOT AVAILABLE
|
MACHINES: |
NOT AVAILABLE
|
NOT AVAILABLE. |
|
|
BRANCH/PHONE: |
CITY: |
|
BANCO DO BRASIL S/A |
- 11
3858-3444 |
SÃO PAULO/SP |
|
BANCO ABN AMRO REAL S/A |
- 11
6976-9966 |
SÃO PAULO/SP |
|
BANCO ITAU S/A |
6485 / 11 3003-8844 |
|
|
BANCO DO BRASIL S/A |
3320-0 / 11 3871-8473 |
|
|
REMARKS: IN BRAZIL THE BANKS ARE PROHIBITED BY LAW TO
PROVIDE INFORMATION OR ANY KIND OF COMMENTS ABOUT THEIR CLIENTS. DUE TO THIS
LAW PROHIBITION WE ARE UNABLE TO PROVIDE ANY BANKING DETAILS. ACCORDING TO THE CENTRAL BANK OF BRAZIL OFFICIAL REPORT,
THE COMPANY HAS NO RETURNED CHECKS UP TO DATE. (IN THE TERMS OF
"CIRCULAR 1682 BRAZILIAN CENTRAL BANK"). |
|
MANUFACTURE OF GRAPHICAL INKS. MAIN PRODUCTS: INKS, VARNISHES AND AUXILIARY PRODUCTS FOR GRAPHICAL
INDUSTRY. |
|
IMPORT
AND EXPORT: |
IMPORTS FROM:
|
CHINA, INDIA, ARGENTINA, UNITED STATES AND GERMANY. |
EXPORTS TO:
|
ARGENTINA, CHILE AND URUGUAY. |
|
MAIN
CLIENTS: |
|
|
|
|
|
|
|
DOMESTIC
CLIENTS: |
|
PHONE: |
|
BRASILATA EMBALAGENS METÁLICAS |
|
51 3712-1722 |
|
CIA METALÚRGICA PRADA |
|
11 5682-1100 |
|
GRÁFICA EDIT. AQUARELA S/A |
|
11 4166-9500 |
|
INCOFLANDRES |
|
24 2102-9500 |
|
LABORGRAF ARTES GRÁFICAS LTDA |
|
11 38264711 |
|
MAKRO KOLOR GRAF. EDITORA LTDA |
|
11 5683-8400 |
|
METALGRÁFICA CEARENSE S/A |
|
85 3288-2250 |
|
METALGRÁFICA MOCOCA S/A |
|
19 3656-9315 |
|
NOVELPRINT SIST. EMBALAGEM |
|
11 3768-4111 |
|
PANCRON INDÚSTRIA GRÁFICA LTDA |
|
11 6640-6800 |
|
STAFF: |
|
|
|
THE COMPANY HAS: 72 EMPLOYEE(S) |
|
THE SUBJECT IS A RELATIVELY NEW-ESTABLISHED COMPANY,
OPERATING SINCE 2000 ONLY. THE TRADE HISTORY SO FAR IS CLEAR AND THE COMPANY
HAS A PROMPT PAYMENT RECORD. THE COMPANY HAS TRADE RELATIONS WITH SOME LOCAL SUPPLIERS
BUT UP TO DATE ONLY SMALL PAYMENTS WERE REPORTED AND THE SUBJECT IS NOT SAID
TO BE USER OF TRADE CREDIT FACILITIES. |
|
MAIN
SUPPLIERS: |
|
|
|
|
|
|
|
DOMESTIC
SUPPLIERS: |
|
PHONE: |
|
ART PINNUS RESINEIRA |
|
15 3524-3034 |
|
BASF S/A |
|
11 3043-2055 |
|
BRASCHEMICAL REPRESENTAÇÕES |
|
11 5585-3671 |
|
CIBA ESPECIALIDADES QUÍMICAS |
|
11 5532-7425 |
|
CLARIANT S/A |
|
11 5683-7233 |
|
CYTEC ESPECIALIDADES QUÍMICAS |
|
11 3048-8000 |
|
ESPECIALIDADES PARA SUPERFÍCES |
|
11 3038-0800 |
|
IQ SOLUÇÕES & QUÍMICAS |
|
11 2195-9000 |
|
PLÁSTICOS PASQUALI |
|
49 3224-3554 |
|
QUIMINUTRI COMÉRCIO DE ESPECIALIDADES QUÍMICAS |
|
11 3578-9010 |
|
REICHHOLD DO BRASIL |
|
11 4795-800 |
|
TRUE COLOR PIGMENTOS E CORANTES |
|
11 2119-1299 |
|
FOREIGN
SUPPLIERS: |
COUNTRY: |
|
|
AGI CORPORATION |
TAIWAN |
|
|
AKZO NOBEL |
ARGENTINA |
|
|
MICRO INKS |
INDIA |
|
|
PAYMENT
HISTORY: |
|
05 SUPPLIERS REPORTED PAYMENTS: |
|
TOTAL
AMOUNT: R$ 22.262,00 |
|
|
|
AMOUNT OF INVOICES PAID: 30 |
|
TOTAL OF PROMPT PAYMENTS: 100% |
|
HIGHEST INVOICE: R$ 11.041,00 |
|
HIGHEST CREDIT: R$ 11.041,00 |
|
THE SUBJECT IS A RELATIVELY NEW-ESTABLISHED COMPANY BUT HAS
A CLEAR TRADE HISTORY AND A MODEST PAYMENT RECORD. BASED ON THE OVERALL INFORMATION AVAILABLE IT IS BELIEVED
THAT GOOD TRADE RELATIONS MAY BE ESTABLISHED. CREDIT FACILITIES MAY BE
EXTENDED WITHIN TERMS AND AMOUNTS ADEQUATE TO THE COMPANY'S SIZE AND FINANCIAL
STRENGTH. |
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.55.17 |
|
|
1 |
Rs.86.42 |
|
Euro |
1 |
Rs.68.26 |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.