MIRA INFORM
REPORT
|
Report Date : |
14.08.2012 |
IDENTIFICATION DETAILS
|
Name : |
JANDIRA COMÉRCIO DE PRODUTOS ALIMENTÍCIOS
LTDA. |
|
|
|
|
Registered Office : |
Rodovia João Leopoldo Jacomel,11672 - |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as on) : |
31.12.2009 |
|
|
|
|
Date of Incorporation : |
07.11.1984 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
Retail sale of foodstuffs, beverage and tobacco. |
|
|
|
|
No. of Employees : |
81 |
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 |
Company name
JANDIRA COMÉRCIO
DE PRODUTOS ALIMENTÍCIOS LTDA.
ADDRESSES
|
MAIN ADDRESS: |
RODOVIA JOÃO LEOPOLDO JACOMEL,11672 - |
|
ZIP CODE/CITY: |
83323-430 - PINHAIS/PR |
|
|
|
|
PHONE: |
41 3669-6216 |
|
FAX: |
41 3669-6216 |
|
E-MAIL: |
carlos.cruz@eaco.com.br |
|
BRANCHES: |
|
|
|
|
|
ADDRESS: |
RUA |
|
ZIP CODE/CITY: |
83325-110 PINHAIS/PR |
LEGAL DATA
|
MAIN ACTIVITIES: |
|
RETAIL |
|
LEGAL FORM: |
LIMITED
LIABILITY COMPANY |
|
|
|
|
INCORPORATION DATE: |
07/11/1984 |
|
REGISTER DATE: |
17/11/1984 |
|
BALANCE SHEET FILING DATE: |
31/12 |
|
TAX CONTRIBUTOR NUMBER(CNPJ): |
78.565.389/0001-00 |
|
STATE REGISTER: |
13700245-09 |
|
|
|
|
SHARE CAPITAL: |
R$ 165.000,00 |
|
LAST REGISTER OF CAPITAL: |
12/03/1998 |
|
BOARD OF
DIRECTORS: |
|
|
|
|
|
IVANILDE LUIZA DE FREITAS WOELLNER |
MANAGING PARTNER |
|
DENISE SOFIA WOELLNER |
MANAGING PARTNER |
AUTHORIZED USE OF SIGNATURE
|
THE MANAGING PARTNERS ARE AUTHORIZED TO SIGN ON BEHALF OF THE COMPANY. |
|
SHAREHOLDERS /
PARTNERS: |
|
|
|
|
|
IVANILDE LUIZA DE FREITAS WOELLNER |
90% |
|
DENISE SOFIA WOELLNER |
10% |
|
AFFILIATES /
SUBSIDIARIES: |
|
|
|
|
|
NOT AVAILABLE. |
|
COMPANY'S BACKGROUND
|
THE SUBJECT WAS ESTABLISHED ON NOVEMBER 07, 1984 TO BE ENGAGED IN THE
SAID LINE OF BUSINESS. PARTNERS: IVANILDE LUIZA DE FREITAS WOELLNER: BRAZILIAN, WIDOW, HOLDER OF
DOCUMENTS CPF 630.315.749-15, RG 301.326-PR ,RESIDENTIAL ADDRESS AT RUA
EMILIO DE MENEZES 327, CUTITIBA/PR. DENISE SOFIA WOELLNER: BRAZILIAN, DIVORCED, HOLDER OF DOCUMENTS CPF
583.073.209-25, RG 3.286.463-5 PR, RESIDENTIAL ADDRESS AT RUA HERCULANO
CARLOS FRANCO DE SOUZA 401, APTO 61, CURITIBA/PR. FURTHER DETAILS ARE SO FAR NOT KNOWN. |
PUBLIC INFORMATION
|
PROTESTS: |
|
1 PROTEST,TOTAL AMOUNT R$
145,00 |
|
DETAILS OF PROTEST: |
|
NOTARY OFFICE: |
DATE: |
VALUE: |
|
CARTÓRIO DE PINHAIS/PR |
04/11/2008 |
R$ 145,00 |
FINANCIAL INFORMATION
|
GENERAL BALANCE SHEETS AS OF 31/12/2009, 31/12/2008 AND 31/12/2007. |
|
( FIGURES ARE IN REAIS ). |
|
ASSETS |
|
|
|
|
CURRENT: |
31/12/2009 |
31/12/2008 |
31/12/2007 |
|
|
|
|
|
|
CASH AND BANKS |
6.191.800,49 |
2.552.120,37 |
760.456,63 |
|
CLIENTS |
5.543.328,83 |
6.379.130,37 |
6.843.552,28 |
|
DOUBTFUL DEBTORS |
|
-8.400,00 |
|
|
INVENTORY |
2.925.405,12 |
4.173.977,98 |
1.236.533,57 |
|
ADVANCE TO EMPLOYEES |
2.360,83 |
1.303,63 |
1.183,66 |
|
ADVANCE TO SUPPLIERS |
1.468.919,35 |
4.606.527,85 |
5.408.045,77 |
|
RECOVERABLE TAXES |
725.765,12 |
640.145,88 |
374.356,60 |
|
ACCOUNTS RECEIVABLE |
902.050,00 |
|
|
|
COLLECTION CHEQUES |
56.775,94 |
|
|
|
IMPORTS IN PROGRESS |
2.955.237,93 |
|
|
|
OTHER CREDITS |
31.482,81 |
3.502,75 |
|
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL CURRENT ASSETS |
20.803.126,42 |
18.348.308,83 |
14.624.128,51 |
|
LONG-TERM
RECEIVABLES: |
|
|
|
|
|
|
|
|
|
JUDICIAL DEPOSITS |
28.247,54 |
28.247,54 |
28.247,54 |
|
COMPULSORY LOANS |
|
2.034,07 |
9.697,17 |
|
INTERCOMPANY CREDITS |
|
|
30.046,75 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL LONG-TERM RECEIVABLES |
28.247,54 |
30.281,61 |
67.991,46 |
|
FIXED ASSETS: |
|
|
|
|
|
|
|
|
|
FIXED ASSETS |
341.608,89 |
340.380,34 |
290.213,24 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL FIXED ASSETS |
341.608,89 |
340.380,34 |
290.213,24 |
|
OFF-BALANCE
ACCOUNTS |
3.205.616,32 |
536.245,96 |
41.301,03 |
|
|
================ |
================ |
================ |
|
TOTAL ASSETS |
24.378.599,17 |
19.255.216,74 |
15.023.634,24 |
|
LIABILITIES: |
|
|
|
|
CURRENT: |
31/12/2009 |
31/12/2008 |
31/12/2007 |
|
|
|
|
|
|
SUPPLIERS |
11.220.988,58 |
8.104.059,47 |
5.209.076,43 |
|
LOANS AND FINANCING |
|
3.940,00 |
|
|
LABOR OBLIGATIONS |
130.326,22 |
116.564,47 |
96.922,86 |
|
TRIBUTARY OBLIGATIONS |
121.553,43 |
264.725,17 |
726.826,04 |
|
ACCOUNTS PAYABLE |
774,68 |
4.377,00 |
4.257,00 |
|
PROVISIONS/INCOME TAX |
104.844,87 |
|
|
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL CURRENT LIABILITIES |
11.578.487,78 |
8.493.666,11 |
6.037.082,33 |
|
LONG TERM
LIABILITIES: |
|
|
|
|
|
|
|
|
|
INTERCOMPANY DEBTS |
|
|
309.601,78 |
|
INSTALLMENTS TAXES PAYABLE |
1.886.265,41 |
1.880.994,84 |
1.353.813,56 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL LONG TERM LIABILITIES |
1.886.265,41 |
1.880.994,84 |
1.663.415,34 |
|
NET EQUITY: |
|
|
|
|
|
|
|
|
|
SHARE CAPITAL |
165.000,00 |
165.000,00 |
165.000,00 |
|
ACCRUED PROFIT (LOSS) |
|
8.179.309,83 |
7.116.835,54 |
|
PROFIT RESERVES |
7.543.229,66 |
|
|
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL NET EQUITY |
7.708.229,66 |
8.344.309,83 |
7.281.835,54 |
|
OFF-BALANCE
ACCOUNTS |
3.205.616,32 |
536.245,96 |
41.301,03 |
|
|
================ |
================ |
================ |
|
TOTAL LIABILITIES |
24.378.599,17 |
19.255.216,74 |
15.023.634,24 |
|
PROFIT AND LOSS ACCOUNTS AS OF 31/12/2009, 31/12/2008 AND 31/12/2007. |
|
( FIGURES ARE IN REAIS ). |
|
|
31/12/2009 |
31/12/2008 |
31/12/2007 |
|
|
|
|
|
|
GROSS SALES |
52.677.548,44 |
62.906.053,90 |
50.249.743,78 |
|
(-) TAXES ON SALES |
13.136.765,20 |
15.141.463,53 |
11.351.895,17 |
|
|
---------------- |
---------------- |
---------------- |
|
NET SALES |
39.540.783,24 |
47.764.590,37 |
38.897.848,61 |
|
(-) COST OF SOLD GOODS |
33.907.114,77 |
41.005.860,49 |
31.944.333,50 |
|
|
---------------- |
---------------- |
---------------- |
|
GROSS PROFIT |
5.633.668,47 |
6.758.729,88 |
6.953.515,11 |
|
OPERATING REVENUE (EXPENSE) |
-2.665.711,54 |
-2.045.112,65 |
-3.638.413,34 |
|
FINANCIAL REVENUE(EXPENSE) |
359.491,18 |
-637.821,24 |
41.672,75 |
|
|
---------------- |
---------------- |
---------------- |
|
OPERATIONAL PROFIT (LOSS) |
3.327.448,11 |
4.075.795,99 |
3.356.774,52 |
|
NON-OPERATING RESULT |
500.000,06 |
|
-240.100,60 |
|
CONTRIBUTION/INCOME TAX |
-1.365.939,01 |
-1.318.321,70 |
-616.603,31 |
|
|
---------------- |
---------------- |
---------------- |
|
NET PROFIT (LOSS) |
2.461.509,16 |
2.757.474,29 |
2.500.070,61 |
|
MONTHLY SALES |
|||
|
|
2010 |
|
|
|
|
--------------------- |
|
|
|
JANUARY |
R$ 2.839.308,31 |
|
|
|
FEBRUARY |
R$ 4.567.836,11 |
|
|
|
MARCH |
R$ 6.806.068,77 |
|
|
|
APRIL |
R$ 3.585.533,35 |
|
|
|
MAY |
R$ 5.035.011,83 |
|
|
|
JUNE |
|
|
|
|
JULY |
|
|
|
|
AUGUST |
|
|
|
|
SEPTEMBER |
|
|
|
|
OCTOBER |
|
|
|
|
NOVEMBER |
|
|
|
|
DECEMBER |
|
|
|
|
TOTAL |
R$ 22.833.758,37 |
|
|
|
RATIOS: |
31/12/2009 |
31/12/2008 |
31/12/2007 |
|
QUICK RATIO |
1,54 |
|
1,67 |
|
2,22 |
|
|
CURRENT RATIO |
1,80 |
|
2,16 |
|
2,42 |
|
|
ACCOUNTS RECEIVABLE TURNOVER |
7,13 |
TIMES |
7,49 |
TIMES |
5,68 |
TIMES |
|
DAYS' SALES IN RECEIVABLES |
50,47 |
DAYS |
48,08 |
DAYS |
63,34 |
DAYS |
|
INVENTORY TURNOVER |
11,59 |
TIMES |
9,82 |
TIMES |
25,83 |
TIMES |
|
ACCOUNTS PAYABLE PERIOD |
119,14 |
DAYS |
71,15 |
DAYS |
58,70 |
DAYS |
|
RETURN ON ASSETS |
1,62 |
TIMES |
2,48 |
TIMES |
2,59 |
TIMES |
|
SALES TURNOVER ON NET EQUITY |
5,13 |
TIMES |
5,72 |
TIMES |
5,34 |
TIMES |
|
NET WORTH TIE-UP |
,04 |
|
,04 |
|
,04 |
|
|
INDEBTEDNESS |
1,75 |
|
1,24 |
|
1,06 |
|
|
EQUITY RATIO |
31,62 |
% |
43,34 |
% |
48,47 |
% |
|
WORKING CAPITAL RATIO |
79,67 |
% |
116,02 |
% |
142,24 |
% |
|
GENERAL SOLVENCY |
1,81 |
|
1,86 |
|
1,95 |
|
|
RETURN ON NET EQUITY |
31,93 |
% |
33,05 |
% |
34,33 |
% |
|
RETURN ON SALES (PROFIT MARGIN) |
6,23 |
% |
5,77 |
% |
6,43 |
% |
|
GROSS PROFIT MARGIN |
14,25 |
% |
14,15 |
% |
17,88 |
% |
|
OPERATIONAL RESULT |
8,42 |
% |
8,53 |
% |
8,63 |
% |
|
SALES TURNOVER ON LIABILITIES |
3,42 |
TIMES |
5,62 |
TIMES |
6,44 |
TIMES |
|
FOREIGN CURRENCY ON ASSETS |
|
|
|
|
|
|
|
FOREIGN CURRENCY ON LIABILITIES |
|
|
|
|
|
|
|
EXCHANGE RATE: |
|
|
US$ 1,00 = R$ 1,75 |
- OFFICIAL RATE ON 09/07/2010 |
|
US$ 1,00 = R$ 1,77 |
- OFFICIAL RATE ON 31/12/2009 |
|
US$ 1,00 = R$ 2,33 |
- OFFICIAL RATE ON 31/12/2008 |
|
US$ 1,00 = R$ 1,77 |
- OFFICIAL RATE ON 31/12/2007 |
|
COMMENTS ON THE
FINANCIAL INFORMATION: |
|
FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS. THE ANNUAL FIGURES AVAILABLE SHOW A FAIR FINANCIAL STANDING. DESPITE
THE HIGH LEVEL OF INDEBTEDNESS, IT IS NOTED GOOD LIQUIDITY RATIOS AND
POSITIVE WORKING CAPITAL AMOUNT. IN ADDITION IT IS NOTED DROP IN SALES BUT
PROFIT WAS MADE. REMARK: THE OFF BALANCE ACCOUNTS ARE MAINLY COMPRISED BY GOODS STORED IN
CLOSED WAREHOUSE. |
|
REAL ESTATE: |
|
DETAIL OF OWNED
REAL ESTATE: |
|
TYPE: |
OTHERS |
|
VALUE: |
R$ 10.822,00 |
|
VEHICLES: |
OWNED VEHICLES ARE VALUED AT R$ 369.210,00
|
MACHINES: |
OWNED MACHINES AND EQUIPMENTS ARE VALUED AT R$ 587.000,00
INSURANCE
|
INSURANCE COMPANY: |
EQUILIZA SEGUROS |
|
COVERAGE: |
|
|
|
|
|
INSURANCE COMPANY: |
MHR CORRETORA |
|
COVERAGE: |
|
BANKING REFERENCES
|
|
BRANCH/PHONE: |
|
|
HSBC BANK BRASIL S/A |
0689 |
|
|
BANCO DO BRASIL S/A |
3406-1 41 2117-7828 |
|
|
BANCO BRADESCO S/A |
929-6 41 3525-1266 |
|
|
BANCO BRADESCO S/A |
0165 |
|
|
REMARKS: IN ACCORDING TO THE CENTRAL BANK OF |
ACTIVITIES COMMENTS
|
SUBJECT IS ENGAGED IN THE RETAIL |
|
IMPORT AND EXPORT: |
IMPORTS FROM:
|
|
EXPORTS TO:
|
DOES NOT EXPORT. |
|
MAIN CLIENTS: |
|
|
|
|
|
|
|
DOMESTIC
CLIENTS: |
|
PHONE: |
|
ALIBEC INDUSTRIA |
|
11 3984-0105 |
|
CARINO INGREDIENTES |
|
14 2102-2100 |
|
FRUTIFIUQUE |
|
27 3336-7615 |
|
LA RIOJA |
|
11 3328-000 |
|
MAR & MAR |
|
|
|
REDE SONAE |
|
|
|
SIERRA BRASIL |
|
11 3227-5171 |
|
SUPERMERCADOS CONDOR |
|
|
|
VIMACEDO |
|
11 3324-2100 |
|
STAFF: |
|
|
|
THE COMPANY HAS: 81 EMPLOYEE(S) |
CONCEPT AND FULFILMENT
|
THE SUBJECT WAS ESTABLISHED IN 1984. SO FAR IT HAS A CLEAR TRADE
HISTORY AND NO PAYMENT PROBLEMS ARE NOTED. THE COMPANY HAS TRADE RELATIONS WITH SOME SUPPLIERS IN MOST OF THE SUPPLIERS, WHICH PROVIDED INFORMATION, REPORTED PROMPT
PAYMENTS AND THE SUBJECT HAS GOOD TRADE REPUTATION. THE PROTEST FOUND IS CONSIDERED IRRELEVANT. |
|
MAIN SUPPLIERS: |
|
|
|
|
|
|
|
DOMESTIC
SUPPLIERS: |
|
PHONE: |
|
ARAUDI |
|
11 4156-4422 |
|
ARVA POLVILHO |
|
45 3275-1139 |
|
BERDEX |
|
|
|
CARAMURU ALIMENTOS LTDA |
|
|
|
COOPERATIVA AGROINDUSTRIAL |
|
|
|
DELLA VIA PNEUS LTDA |
|
|
|
HOJA EXPORT LTDA |
|
|
|
|
|
|
|
|
|
48 3258-1514 |
|
LCA |
|
43 3232-8888 |
|
MOHÍNO ROMARIZ IND. COM. LDA |
|
|
|
PLASTICOM EMBALAGENS LTDA |
|
|
|
SEARA |
|
43 3232-8500 |
|
TRANMODULO |
|
11 6941-3074 |
|
FOREIGN
SUPPLIERS: |
COUNTRY: |
|
|
NELSON SENAREGA |
|
|
|
PACIFIC NUT |
|
|
|
SUN WEST |
|
|
|
PAYMENT HISTORY: |
|
16 SUPPLIERS REPORTED PAYMENTS: |
|
AMOUNT OF INVOICES PAID: 124 |
|
TOTAL OF PROMPT PAYMENTS: 82% |
|
TOTAL OF DELAYED PAYMENTS: 18% |
|
|
|
HIGHEST INVOICE: R$ 165.872,00 |
|
HIGHEST CREDIT: R$ 767.007,00 |
FINAL OPINION
|
THE SUBJECT IS A WELL-ESTABLISHED COMPANY IN BUSINESS FOR SEVERAL
YEARS. UP TO DATE IT HAS A CLEAR TRADE HISTORY AND GOOD PAYMENT BEHAVIOUR. BASED ON THE GENERAL 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 FINANCIAL STRENGTH. A CREDIT LIMIT OF US$ 750.000,00 MAY BE CONSIDERED. |
|
|
|
|
|
|
|
|
|
BALANCE SHEET ANALYSIS |
FIGURES ARE IN REAIS |
|
|
|
|
|
|
|
31-12-09 |
|
31-12-08 |
|
31-12-07 |
|
|
ASSETS |
|
% |
|
% |
|
% |
|
Current Assets |
85.33 |
$ 18,348,309 |
95.29 |
$ 14,624,129 |
97.34 |
|
|
Fixed Assets |
$ 341,609 |
1.40 |
$ 340,380 |
1.77 |
$ 290,213 |
1.93 |
|
TOTAL ASSETS |
$
24,378,599 |
100.00 |
$ 19,255,217 |
100.00 |
$ 15,023,634 |
100.00 |
|
LIABILITIES |
|
|
|
|
|
|
|
Current Liabilities |
$
11,578,488 |
47.49 |
$ 8,493,666 |
44.11 |
$ 6,037,082 |
40.18 |
|
Long-Term Liabilities |
$ 1,886,265 |
7.74 |
$ 1,880,995 |
9.77 |
$ 1,663,415 |
11.07 |
|
TOTAL LIABILITIES |
$
13,464,753 |
55.23 |
$ 10,374,661 |
53.88 |
$ 7,700,498 |
51.26 |
|
Deferred Income |
$ - |
0.00 |
$ - |
0.00 |
$ - |
0.00 |
|
Net Equity |
$ 7,708,230 |
31.62 |
$ 8,344,310 |
43.34 |
$
7,281,836 |
48.47 |
|
TOTAL LIABILITIES + NET EQUITY |
$
24,378,599 |
86.85 |
$ 19,255,217 |
97.22 |
$
15,023,634 |
99.73 |
|
PROFIT AND LOSS ACCOUNTS |
|
|
|
|
|
|
|
Net Sales |
$
39,540,783 |
100.00 |
$ 47,764,590 |
100.00 |
$
38,897,849 |
100.00 |
|
Costs |
$
33,907,115 |
85.75 |
$ 41,005,860 |
85.85 |
$
31,944,334 |
82.12 |
|
Gross Profit |
$ 5,633,668 |
14.25 |
$ 6,758,730 |
14.15 |
$
6,953,515 |
17.88 |
|
Operating expenses |
$
(2,665,712) |
-6.74 |
$ (2,045,113) |
-4.28 |
$
(3,638,413) |
-9.35 |
|
operational Result |
$ 3,327,448 |
8.42 |
$ 4,075,796 |
8.53 |
$
3,356,775 |
8.63 |
|
Net Profit (loss) |
$ 2,461,509 |
6.23 |
$ 2,757,474 |
5.77 |
$
2,500,071 |
6.43 |
|
COMPLEMENTARY DATA |
|
|
|
|
|
|
|
Inventory |
$ 2,925,405 |
|
$ 4,173,978 |
|
$
1,236,534 |
|
|
Accounts receivable |
$ 5,543,329 |
|
$ 6,379,130 |
|
$
6,843,552 |
|
|
Accounts Payable |
$
11,220,989 |
|
$ 8,104,059 |
|
$
5,209,076 |
|
|
Property, plant and equipment |
$ 341,609 |
|
$ 340,380 |
|
$
290,213 |
|
|
Purchases |
$ 341,609 |
|
$ 340,380 |
|
$
290,213 |
|
|
Financial Expenses |
$ 359,491 |
|
$ (637,821) |
|
$ 41,673 |
|
|
Foreign Currency Assets |
|
|
|
|
|
|
|
Foreign Currency Liabilities |
|
|
|
|
|
|
|
Working Capital |
$ 9,224,639 |
|
$ 9,854,643 |
|
$
8,587,046 |
|
|
RATIOS: |
|
|
|
|
|
|
|
QUICK RATIO |
1.54 |
|
1.67 |
|
2.22 |
|
|
CURRENT RATIO |
1.80 |
|
2.16 |
|
2.42 |
|
|
ACCOUNTS RECEIVABLE TURNOVER |
7.13 |
times |
7.49 |
times |
5.68 |
times |
|
DAYS' SALES IN RECEIVABLES |
50.47 |
days |
48.08 |
days |
63.34 |
days |
|
INVENTORY TURNOVER |
11.59 |
times |
9.82 |
times |
25.83 |
times |
|
119.14 |
days |
71.15 |
days |
58.70 |
days |
|
|
RETURN ON ASSETS |
1.62 |
times |
2.48 |
times |
2.59 |
times |
|
SALES TURNOVER ON NET EQUIY |
5.13 |
times |
5.72 |
times |
5.34 |
times |
|
NET WORTH TIE-UP |
0.04 |
|
0.04 |
|
0.04 |
|
|
ENDEBTEDNESS |
1.75 |
|
1.24 |
|
1.06 |
|
|
EQUITY RATIO |
31.62 |
% |
43.34 |
% |
48.47 |
% |
|
WORKING CAPITAL RATIO |
79.67 |
% |
116.02 |
% |
142.24 |
% |
|
GENERAL SOLVENCY |
1.81 |
|
1.86 |
|
1.95 |
|
|
RETURN ON NET EQUITY |
31.93 |
% |
33.05 |
% |
34.33 |
% |
|
RETURN ON SALES (PROFIT MARGIN) |
6.23 |
% |
5.77 |
% |
6.43 |
% |
|
GROSS PROFIT MARGIN |
14.25 |
% |
14.15 |
% |
17.88 |
% |
|
OPERATIONAL RESULT |
8.42 |
% |
8.53 |
% |
8.63 |
% |
|
SALES TURNOVER ON LIABILITIES |
3.42 |
times |
5.62 |
times |
6.44 |
times |
|
FOREIGN CURRENCY ON ASSETS |
- |
% |
- |
% |
- |
% |
|
FOREIGN CURRENCY ON LIABILITIES |
- |
% |
- |
% |
- |
% |
|
|
|
|
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%2014-Aug-2012_files/image006.gif)
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.55.41 |
|
|
1 |
Rs.86.77 |
|
Euro |
1 |
Rs.55.41 |
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 |
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.