MIRA INFORM REPORT

 

 

Report Date :

15.12.2012

 

IDENTIFICATION DETAILS

 

Name :

FINE HOME GALLERY INC.

 

 

Registered Office :

No.158, Sec. 1, Jiuzong Rd., Neihu Dist., Taipei City 11494

 

 

Country :

Taiwan

 

 

Date of Incorporation :

22.08.2012

 

 

Reg. No.:

53925473

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Import and retails of furniture

 

 

No. of Employees :

Not Available

 

RATING & COMMENTS

 

MIRA’s Rating :

NB

 

RATING

STATUS

PROPOSED CREDIT LINE

--

NB

New Business

 

--

 

Status :

New Company

Payment Behaviour :

Unknown

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

Taiwan - ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. In keeping with this trend, some large, state-owned banks and industrial firms have been privatized. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. In 2009, Taiwan's GDP contracted 1.9%, due primarily to a 20% year-on-year decline in exports. In 2010 GDP grew 10.9%, as exports returned to the level of previous years, and in 2011, grew 5.2%. However, 2012 growth will likely be less, according to most forecasters, because of softening global demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, but so far Taiwan has been excluded from this greater economic integration largely because of its diplomatic status with the exception of the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010. The MA administration has said that the ECFA will serve as a stepping stone toward trade pacts with other regional partners, and negotiations on a deal with Singapore began this year. Follow-on components of ECFA, including deals on trade in goods, services, and investment, have yet to be completed. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 10.9% of the island's total population as of 2011. The island runs a large trade surplus, and its foreign reserves are the world's fourth largest, behind China, Japan, and Russia. Since 2005 China has overtaken the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Three financial memorandums of understanding, covering banking, securities, and insurance, took effect in mid-January 2010, opening the island to greater investments from the mainland's financial firms and institutional investors, and providing new opportunities for Taiwan financial firms to operate in China. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

 

Source : CIA


Contact Points

 

Company Name:

FINE HOME GALLERY INC.

Supplied Name:

FINE HOME GALLERY INC

Trading Address:

No.158, Sec. 1, Jiuzong Rd., Neihu Dist., Taipei City 11494, Taiwan (R.O.C.)

Supplied Address:

No. 158, Sec 1, Jiouzong Rd Neihu Dist. Taipei City Taiwan 11494 Taiwan

Telephone Number:

+886-2-2791-3089

Fax Number:

+886-2-2791-2159

Notes: Subject’s exact name and address are as above.

 

 

Credit Summary

 

Credit Rating:

N/A 

Credit Opinion:

Since the subject is a newly established company, the future development remains to be seen. At this stage credits require securities.

Risk Score:

360 Points

Risk Analysis:

Poor creditworthiness

 

 

Company Identification Details

 

Registered Name:

FINE HOME GALLERY INC.

Registered Address:

No.158, Sec. 1, Jiuzong Rd., Neihu Dist., Taipei City 11494, Taiwan (R.O.C.)

Date of Foundation:

2012-8-22

Registration Number:

53925473

Registry:

Taipei City Government

Registered Capital:

NTD 7,700,000 (USD 261,030)

(As of 2012.12, 1 NTD = 0.0339 USD)

Legal Representatives:

Daojie Wu

Legal Form:

Private Limited Company

Principal Activities:

Import and retails of furniture

Staff:

N/A

Listed at Stock Exchange:

No

Date of Last Annual Return:

--

Notes: Subject did not introduce the staff number and from other source we can not obtain the relevant information.

 

 

History

 

Subject was incorporated on 2012-8-22 with registered number 53925473 as Private Limited Company in Taiwan.

Shareholders

 

(Unit: NTD)

Name

Subscription Amount

Daojie Wu

500,000

 

The information above is that of subject’s major shareholders.

 

 

Subsidiaries & Branches

 

Shops

1

Name

Fine Home Gallery Flagship Store (Showground)

Address

No.158, Sec. 1, Jiuzong Rd., Neihu Dist., Taipei City 11494, Taiwan (R.O.C.)

Tel

+886-2-2791-3089

Fax

+886-2-2791-2159

2

Name

Neihu Shop

Address

No. 15, Lane 128. Xinhu No.1 Road, Neihu Road, Taipei City, Taiwan

Tel

+886-2-87922799

3

Name

Xinzhuang Shop

Address

1/F., No. 506. Chungshan No.1 Road, Xinzhuang District, New Taipei City, Taiwan

Tel

+886-2-85216658

4

Name

Taichung Shop

Address

1/F., No. 998, Section 1, Huanzhong Road, Beitun District, Taichung City, Taiwan 

Tel

+886-4-24211578

 

 

Personnel Information

 

Core Management

 

Director

Name

Daojie Wu

Position

Director

 

 

Operation Information

 

Offices & Factories

 

 

Headquarters

Add

No.158, Sec. 1, Jiuzong Rd., Neihu Dist., Taipei City 11494, Taiwan (R.O.C.)

 

Production Information

 

Subject is a trader of furniture without production activities itself.

 

Purchase Information

 

The registered activities of subject:

Business Code

Details

F104110

Wholesales of fabric, garment, footwear, hats, umbrellas and accessories

F105050

 

Wholesales of furniture, bedding products, kitchenware and Installed products

F106050 

Wholesales of Glassware and pottery

F113020 

Wholesales of electronic appliance

F204110 

Retails of fabric, garment, footwear, hats, umbrellas and accessories

F205040 

Retails of furniture, bedding products, kitchenware and Installed products

F206020

Retails of daily supplies

F213010 

Retails of electrical equipment

F401010 

International Trading Business

I501010 

Product design industry

ZZ99999 

Besides licensed business, all other business items those are not banned or restricted.

 

Subject purchases mainly abroad from USA, U.K., etc

Subject is the agent of the furniture brands Lexington (USA), Bassett (USA), TA (Theodore Alexander) (U.K.) and etc

 

Sales Information

 

The subject is mainly engaged in distribution of furniture

Subject cooperates with its suppliers to supply customized service

Subject’s products are mainly sold in Taiwan and subject has a Showground and 3 shops in Taiwan for local distribution.

 

Import and export right:

Import right

Yes

Export right

Yes

 

 

Settlements

 

Purchase

 

Domestic Purchase

 

Subject has little domestic purchase

 

Foreign Purchase

Product

Payment Terms

Proportion

Furniture

CBD, etc

100%

 

Sales

 

Domestic Markets (Taiwan)

Product

Sales Terms

Proportion

Furniture

COD, CBD, etc

100%

 

Export

 

Subject has little export

 

 

Financial Information

 

Subject has no obligations to disclose its financial statements to the third party according to the relevant policy in Taiwan and the only source from which we can obtain the information is the subject itself.

Subject declined to disclose its financials citing the grounds of company’s confidentiality; from other source we can not obtain the relevant information, either.

 

 

Bankers

 

Subject declined to disclose its bank details; from other source we can not obtain the relevant information, either.

 

 

Public Record

 

Mortgage

 

No chattel mortgage record of subject has been found within the recent 3 months.

 

Lawsuit

 

Up to date of reporting, no existing or latent litigation of the subject has been found.

 

 

Interview Details

 

Department

Sales department

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.39

UK Pound

1

Rs.87.78

Euro

1

Rs.71.29

 

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

 

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%)

 

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