MIRA
INFORM REPORT
|
Report Date : |
11.02.2012 |
IDENTIFICATION DETAILS
|
Name : |
MICROSERVICE TECNOLOGIA DIGITAL DA AMAZONIA LTDA. |
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Registered Office : |
Avenida Cupiúba,350 - Distrito Industrial 69075-060 - Manaus/Am |
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Country : |
Brazil |
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Financials (as on) : |
31.12.2009 |
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Date of Incorporation : |
29.08.1989 |
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Legal Form : |
Limited Liability Company |
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Line of Business : |
Manufacture, Sale, Import and Export of Raw Materials and Equipments For Microfilming, X-Ray (Films, Developers And Fixers) |
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No. of Employees : |
1000 |
RATING & COMMENTS
|
MIRA’s Rating : |
B |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
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Maximum Credit Limit : |
USD 750.000,00 |
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Status : |
Moderate |
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Payment Behaviour : |
No Complaints |
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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 – September 30, 2011
|
Country Name |
Previous Rating (30.06.2011) |
Current Rating (30.09.2011) |
|
Brazil |
A2 |
A2 |
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Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
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Low |
A2 |
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Moderate |
B1 |
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High |
B2 |
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Very High |
C1 |
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Restricted |
C2 |
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Off-credit |
D |
Company name
MICROSERVICE
TECNOLOGIA DIGITAL DA AMAZONIA LTDA.
ADDRESSES
|
MAIN ADDRESS: |
AVENIDA CUPIÚBA,350 - DISTRITO INDUSTRIAL |
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ZIP CODE/CITY: |
69075-060 - MANAUS/AM |
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PHONE: |
92 3182-9400 |
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FAX: |
92 3182-9407 |
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E-MAIL: |
luiz.vasconcelos@microservice.com.br |
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WEB SITE: |
www.microservice.com.br |
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BRANCHES: |
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ADDRESS: |
AVENIDA DAS AMÉRICAS,500 SALA 240, BLOCO 21 - CENTRO EMPRESARIAL
DOWNTOWN - BARRA DA TIJUCA |
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ZIP CODE/CITY: |
22640-100 RIO DE JANEIRO/RJ |
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CNPJ: |
34.525.444/0008-39 |
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ADDRESS: |
AVENIDA TUCUNARÉ,550 - TAMBORÉ |
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ZIP CODE/CITY: |
06460-020 BARUERI/SP |
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PHONE: |
11 2105-1300 |
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FAX: |
11 2105-1300 |
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CNPJ: |
34.525.444/0003-24 |
LEGAL DATA
|
MAIN ACTIVITIES: |
|
MANUFACTURE, SALE, IMPORT AND EXPORT OF RAW MATERIALS AND EQUIPMENTS FOR
MICROFILMING, X-RAY (FILMS, DEVELOPERS AND FIXERS) |
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LEGAL FORM: |
LIMITED
LIABILITY COMPANY |
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|
|
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INCORPORATION DATE: |
29/08/1989 |
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REGISTER DATE: |
29/08/1989 |
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BALANCE SHEET FILING DATE: |
31/12 |
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TAX CONTRIBUTOR NUMBER(CNPJ): |
34.525.444/0001-62 |
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STATE REGISTER: |
04.121.911-2 |
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|
|
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SHARE CAPITAL: |
R$
131.300.000,00 |
|
LAST REGISTER OF CAPITAL: |
01/07/2009 |
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BOARD OF
DIRECTORS: |
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|
|
|
SERGIO VIEIRA ALHADEFF |
ADMINISTRATIVE DIRECTOR |
|
RABENO ROBERT HEMSI |
FINANCIAL DIRECTOR |
|
ISAAC ISY HEMSI |
COMMERCIAL DIRECTOR |
|
DAVID OLYMPIO VIEIRA ALHADEFF |
INDUSTRIAL DIRECTOR |
AUTHORIZED USE OF SIGNATURE
|
THE DIRECTORS ARE AUTHORIZED TO SIGN ON BEHALF OF THE COMPANY. |
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SHAREHOLDERS /
PARTNERS: |
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|
|
|
MICROSERVICE TECNOLOGIA DIGITAL S/A |
R$
131.299.996,00 |
|
SERGIO VIEIRA ALHADEFF |
R$ 1,00 |
|
RABENO ROBERT HEMSI |
R$ 1,00 |
|
ISAAC ISY HEMSI |
R$ 1,00 |
|
DAVID OLYMPIO VIEIRA ALHADEFF |
R$ 1,00 |
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AFFILIATES /
SUBSIDIARIES: |
|
|
|
|
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MICROSERVIRVICE ARMAZENS GERAIS DA AMAZONIA LTDA |
|
|
MTD MOTOR DA AMAZONIA LTDA |
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MS LOGISTICA LTDA |
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MULTISORT TECNOLOGIA AMBIENTAL LTDA |
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MICROSERVICE TECNOLOGIA DIGITAL S/A |
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COMPANY'S BACKGROUND
|
THE SUBJECT WAS ESTABLISHED ON FEBRUARY 29, 1989 AS MICROSERVICE
MICROFILMAGENS E REPRODUÇÕES TECNOLOGIA DA AMAZONIA LTDA TO BE ENGAGED IN THE
SAID LINE OF BUSINESS. ON JULY 15, 1998 THE
COMPANY ADOPTED THE ABOVE MENTIONED NAME AND UP TO DATE IT IS STILL OPERATING
WITHIN THE GENERAL SCENE REPORTED HEREIN. THE PARTNERS: MICROSERVICE TECNOLOGIA DIGITAL S/A: A PRIVATELY HELD CORPORATION,
ENROLLED WITH THE FEDERAL TAXPAYER´S # CNPJ 43.359.926/0001-80, WITH HEAD
OFFICE AT AVENIDA TUCUNARÉ, 550, MÓCULO "C", SETOR 1 - TAMBORÉ,
BARUERI/SP. HEREIN REPRESENTED BY ITS LEGAL REPRESENTATIVE MR. SERGIO VIEIRA
ALHADEFF, AS BELOW METIONED; SERGIO VIEIRA ALHADEFF: BRAZILIAN, MARRIED, INDUSTRIAL, HOLDER OF
DOCUMENTS, RG 2.882.905-0 SSP/SP, CPF 459.162.098-00, RESIDENTIAL ADDRESS AT
RUA BENNET, 663, ALTO DE PINHEIROS - SÃO PAULO/SP; DAVID OLYMPIO VIEIRA ALHADEFF: BRAZILIAN, MARRIED, INDUSTRIAL, HOLDER
OF DOCUMENTS, RG 2.882.495-7 SSP/SP, CPF 060.812.908-91, RESIDENTIAL ADDRESS
AT RUA PRINCESA ISABEL 1.139, 12º ANDAR, CAMPO BELO - SÃO PAULO/SP; RABENO ROBERT HEMSI: BRAZILIAN, MARRIED, INDUSTRIAL, HOLDER OF
DOCUMENTS, RG 2.985.576 SSP/SP, CPF 103.959.208-25, RESIDENTIAL ADDRESS AT
RUA IBIAPINÓPOLIS, 967, APTº 141, JARDIM PAULITANO - SÃO PAULO/SP; DAVID OLYMPIO VIEIRA ALHADEFF: BRAZILIAN, MARRIED, INDUSTRIAL, HOLDER
OF DOCUMENTS, RG 8.296.769-6 SSP/SP, CPF 949.976.598-00, RESIDENTIAL ADDRESS
AT RUA ANGELINA MAFFEI VITA, 625, 11º ANDAR, APTº 111, JARDIM PAULITANO - SÃO
PAULO/SP. FURTHER DETAILS ARE SO FAR NOT KNOWN. REMARKS: -------- WHEN CONTACTING THE SUBJECT WE INTERVIEWED MR. LUIZ CLAUDIO -
ADMINISTRATIVE DEPARTMENT, WHO INFORMED THAT WOULD NOT DISCLOSE ANY KIND OF
INFORMATION UNLESS THE INQUIRING PARTY'S NAME WAS DISCLOSED. IF IT IS POSSIBLE TO DISCLOSE THE NAME OF THE INTERESTED SUPPLIER OF
THE SUBJECT, WE MAY RESUME OUR CONTACTS AND TRY TO OBTAIN FURTHER
INFORMATION. THE DATA CONTAINED HEREIN WERE OBTAINED FROM OUTSIDE SOURCES, OUR DATABASE
AND OFFICIAL. NO FURTHER DATA WAS AVAILABLE WITH SEVERAL SOURCES USUALLY
INVESTIGATED. |
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PUBLIC RECORDS
INFORMATION: |
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NO DETRIMENTAL FILES WERE FOUND. |
FINANCIAL INFORMATION
|
GENERAL BALANCE SHEETS AS OF 31/12/2009 AND 31/12/2008. |
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( FIGURES ARE IN THOUSANDS OF REAIS ). |
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ASSETS |
|
|
|
|
CURRENT: |
31/12/2009 |
31/12/2008 |
|
|
|
|
|
|
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CASH AND CASH EQUIVALENTS |
11.143 |
15.692 |
|
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CLIENTS |
115.659 |
154.110 |
|
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INVENTORY |
37.978 |
23.571 |
|
|
RECOVERABLE TAXES |
5.479 |
2.168 |
|
|
ADVANCE TO SUPPLIERS |
336 |
4.737 |
|
|
ADVANCES |
517 |
449 |
|
|
OTHER CREDITS |
646 |
838 |
|
|
|
---------------- |
---------------- |
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TOTAL CURRENT ASSETS |
171.758 |
201.565 |
|
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LONG-TERM RECEIVABLES:
|
|
|
|
|
|
|
|
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INTERCOMPANY CREDITS |
1.625 |
5.438 |
|
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JUDICIAL DEPOSITS |
6.241 |
4.274 |
|
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RECOVERABLE TAXES |
|
565 |
|
|
OTHER CREDITS |
1.123 |
884 |
|
|
|
---------------- |
---------------- |
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TOTAL LONG-TERM RECEIVABLES |
8.989 |
11.161 |
|
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FIXED ASSETS: |
|
|
|
|
|
|
|
|
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INVESTMENTS |
1.712 |
4.342 |
|
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FIXED ASSETS |
84.648 |
84.284 |
|
|
INTANGIBLE |
5.198 |
4.949 |
|
|
|
---------------- |
---------------- |
|
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TOTAL FIXED ASSETS |
91.558 |
93.575 |
|
|
OFF-BALANCE
ACCOUNTS |
1.003 |
|
|
|
|
================ |
================ |
|
|
TOTAL ASSETS |
273.308 |
306.301 |
|
|
LIABILITIES: |
|
|
|
|
CURRENT: |
31/12/2009 |
31/12/2008 |
|
|
|
|
|
|
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ACCOUNTS PAYABLE |
72.148 |
116.092 |
|
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ADVANCE FROM CLIENTS |
12.528 |
7.394 |
|
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SUPPLIERS |
31.979 |
26.628 |
|
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FINANCING |
9.349 |
7.144 |
|
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SOCIAL / LABOR OBLIGATIONS |
868 |
1.040 |
|
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FOREIGN SUPPLIERS |
6.831 |
4.195 |
|
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OTHER DEBTS |
3.099 |
2.998 |
|
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TRIBUTARY OBLIGATIONS |
3.883 |
3.189 |
|
|
ROYALITES PAYABLE |
2.633 |
2.222 |
|
|
PROVISIONS/INCOME TAX |
108 |
502 |
|
|
|
---------------- |
---------------- |
|
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TOTAL CURRENT LIABILITIES |
143.426 |
171.404 |
|
|
LONG TERM
LIABILITIES: |
|
|
|
|
|
|
|
|
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FINANCING |
16.479 |
16.793 |
|
|
PROVISION FOR CONTINGENCIES |
4.744 |
4.539 |
|
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RELATED COMPANIES |
734 |
706 |
|
|
|
---------------- |
---------------- |
|
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TOTAL LONG TERM LIABILITIES |
21.957 |
22.038 |
|
|
NET EQUITY: |
|
|
|
|
|
|
|
|
|
SHARE CAPITAL |
131.300 |
130.755 |
|
|
ACCRUED PROFIT (LOSS) |
-24.378 |
-17.896 |
|
|
|
---------------- |
---------------- |
|
|
TOTAL NET EQUITY |
106.922 |
112.859 |
|
|
OFF-BALANCE ACCOUNTS
|
1.003 |
|
|
|
|
================ |
================ |
|
|
TOTAL LIABILITIES |
273.308 |
306.301 |
|
|
PROFIT AND LOSS ACCOUNTS AS OF 31/12/2009 AND 31/12/2008. |
|
( FIGURES ARE IN THOUSANDS OF REAIS ). |
|
|
31/12/2009 |
31/12/2008 |
|
|
|
|
|
|
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GROSS SALES |
309.528 |
360.052 |
|
|
(-) TAXES ON SALES |
65.703 |
72.736 |
|
|
|
---------------- |
---------------- |
|
|
NET SALES |
243.825 |
287.316 |
|
|
(-) COST OF SOLD GOODS |
175.238 |
217.129 |
|
|
|
---------------- |
---------------- |
|
|
GROSS PROFIT |
68.587 |
70.187 |
|
|
OPERATING REVENUE (EXPENSE) |
-71.817 |
-64.785 |
|
|
FINANCIAL REVENUE(EXPENSE) |
-2.608 |
-3.755 |
|
|
|
---------------- |
---------------- |
|
|
OPERATIONAL PROFIT (LOSS) |
-5.838 |
1.647 |
|
|
CONTRIBUTION/INCOME TAX |
-108 |
-502 |
|
|
|
---------------- |
---------------- |
|
|
NET PROFIT (LOSS) |
-5.946 |
1.145 |
|
|
MONTHLY SALES |
|||
|
|
2009 |
|
|
|
|
--------------------- |
|
|
|
JANUARY |
R$ 20.828.984,00 |
|
|
|
FEBRUARY |
R$ 16.323.282,04 |
|
|
|
MARCH |
R$ 31.533.059,59 |
|
|
|
APRIL |
R$ 28.271.349,90 |
|
|
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MAY |
|
|
|
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JUNE |
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JULY |
|
|
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AUGUST |
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SEPTEMBER |
|
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|
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OCTOBER |
|
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NOVEMBER |
|
|
|
|
DECEMBER |
|
|
|
|
TOTAL |
R$ 96.956.675,53 |
|
|
|
RATIOS: |
31/12/2009 |
31/12/2008 |
|
|
QUICK RATIO |
,93 |
|
1,04 |
|
|
|
|
CURRENT RATIO |
1,20 |
|
1,18 |
|
|
|
|
ACCOUNTS RECEIVABLE TURNOVER |
2,11 |
TIMES |
1,86 |
TIMES |
|
|
|
DAYS' SALES IN RECEIVABLES |
170,77 |
DAYS |
193,10 |
DAYS |
|
|
|
INVENTORY TURNOVER |
4,61 |
TIMES |
9,21 |
TIMES |
|
|
|
ACCOUNTS PAYABLE PERIOD |
65,70 |
DAYS |
44,15 |
DAYS |
|
|
|
RETURN ON ASSETS |
,89 |
TIMES |
,94 |
TIMES |
|
|
|
SALES TURNOVER ON NET EQUITY |
2,28 |
TIMES |
2,55 |
TIMES |
|
|
|
NET WORTH TIE-UP |
,79 |
|
,75 |
|
|
|
|
INDEBTEDNESS |
1,55 |
|
1,71 |
|
|
|
|
EQUITY RATIO |
39,12 |
% |
36,85 |
% |
|
|
|
WORKING CAPITAL RATIO |
19,75 |
% |
17,60 |
% |
|
|
|
GENERAL SOLVENCY |
1,65 |
|
1,58 |
|
|
|
|
RETURN ON NET EQUITY |
-5,56 |
% |
1,01 |
% |
|
|
|
RETURN ON SALES (PROFIT MARGIN) |
-2,44 |
% |
,40 |
% |
|
|
|
GROSS PROFIT MARGIN |
28,13 |
% |
24,43 |
% |
|
|
|
OPERATIONAL RESULT |
-2,39 |
% |
,57 |
% |
|
|
|
SALES TURNOVER ON LIABILITIES |
1,70 |
TIMES |
1,68 |
TIMES |
|
|
|
FOREIGN CURRENCY ON ASSETS |
|
|
|
|
|
|
|
FOREIGN CURRENCY ON LIABILITIES |
|
|
|
|
|
|
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EXCHANGE RATE: |
|
|
US$ 1,00 = R$ 1,71 |
- OFFICIAL RATE ON 08/02/2012 |
|
US$ 1,00 = R$ 1,74 |
- OFFICIAL RATE ON 31/12/2009 |
|
US$ 1,00 = R$ 2,33 |
- OFFICIAL RATE ON 31/12/2008 |
|
COMMENTS ON THE
FINANCIAL INFORMATION: |
|
FOLLOWS ATTACHED WORKSHEET
WITH MAIN FINANCIAL RATIOS. THE FINANCIAL DATA
AVAILABLE SHOWS A FAIR FINANCIAL STANDING. THE LEVEL OF INDEBTEDNESS IS HIGH
BUT THE LIQUIDITY IS GOOD AND WELL ENOUGH TO COVER THE SHORT TERM
LIABILITIES. ON THE OTHER HAND IT SHOWS DROP IN SALES AND NEGATIVE RESULT WAS MADE. |
|
REAL ESTATE: |
OWNED PREMISES ARE VALUED AT R$
34.617.000,00
|
VEHICLES: |
OWNED VEHICLES ARE VALUED AT R$
343.000,00
|
MACHINES: |
OWNED MACHINES AND EQUIPMENTS ARE
VALUED AT R$ 26.968.000,00
INSURANCE
|
INSURANCE COMPANY: |
ROYAL & SUNALLIANCE SEGUROS BRASIL S/A |
|
COVERAGE: |
CORPORATE |
|
EXPIRATION: |
NOT AVAILABLE |
BANKING REFERENCES
|
|
BRANCH/PHONE: |
CITY: |
|
BANCO ITAU BBA S/A |
11 3708-2527 |
SÃO PAULO/SP |
|
BANCO SANTANDER S/A |
11 3174-2102 |
SÃO PAULO/SP |
|
BANCO BRADESCO S/A |
11 3235-9861 |
SÃO PAULO/SP |
|
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"). |
ACTIVITIES COMMENTS
|
SUBJECT IS ENGAGED IN THE MANUFACTURE, SALE, IMPORT AND EXPORT OF RAW
MATERIALS AND EQUIPMENTS FOR MICROFILMING, X-RAY (FILMS, DEVELOPERS AND
FIXERS) |
|
IMPORT AND
EXPORT: |
IMPORTS FROM:
|
GERMANY, SWEDEN, JAPAN, URUGUAY,
EUROPE, CHINA AND USA |
EXPORTS
TO:
|
UNITED STATES, EUROPE AND SOUTH AMERICA. |
|
MAIN CLIENTS: |
|
|
|
|
|
|
|
DOMESTIC
CLIENTS: |
|
|
|
ABRIL |
|
|
|
BANCO NOSSA CAIXA S/A |
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|
|
CARREFOUR COM E IND LTDA. |
SÃO PAULO/SP |
11 3832-9092 |
|
DANONE |
|
|
|
DI PRESS GRÁFICA E FOTOLITO |
|
|
|
EDITORA ESCALA |
|
|
|
EDITORA GLOBO |
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|
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GEMA |
|
|
|
GLOBOSAT |
|
|
|
HIPERMERCADO EXTRA / CIA. BRAS. DISTRIBUIÇÃO |
SÃO PAULO/SP |
11 3889-9264 |
|
JORNAL DO VÍDEO |
|
|
|
KALUNGA COM E IND. GRÁFICA LTDA |
SÃO PAULO/SP |
11 3346-9840 |
|
KSR |
|
|
|
LOJAS AMERICANAS S/A |
RIO DE JANEIRO/RJ |
21 2206-6722 |
|
REXMORE |
|
|
|
SANOFI AVENTIS |
|
|
|
SBT |
|
|
|
SOM LIVRE |
|
|
|
UNIVERSAL |
|
|
|
VOTORANTIM CELULOSE E PAPEL / KSR |
SÃO PAULO/SP |
11 6948-8538 |
|
WALL MART BRASIL LTDA |
OSASCO/SP |
11 3685-5060 |
|
STAFF: |
|
|
|
THE COMPANY HAS: 1000 EMPLOYEE(S) |
CONCEPT AND FULFILMENT
|
SUBJECT IS A WELL-ESTABLISHED COMPANY, OPERATING SINCE 1989. SO FAR IT
HAS A CLEAR TRADE HISTORY, GOOD PAYMENT BEHAVIOUR AND KEEPS ENJOYING GOOD
REPUTATION AMONG TRADE SOURCES. THE COMPANY HAS TRADE RELATIONS WITH SEVERAL SUPPLIERS IN BRAZIL. THE
SUPPLIERS EXTEND CREDIT FACILITIES TO THE SUBJECT IN TERMS AND AMOUNTS
ACCORDING TO THE COMPANY'S NEEDS AND SO FAR NO PAYMENT PROBLEMS ARE NOTED. |
|
MAIN SUPPLIERS: |
|
|
|
|
|
|
|
DOMESTIC
SUPPLIERS: |
|
PHONE: |
|
BASF BRASILEIRA S/A |
|
11 3043-3143 |
|
BRASKEM S/A |
SÃO PAULO/SP |
11 3443-9107 |
|
DOW BRASIL S/A |
GUARUJÁ/SP |
11 5188-9082 |
|
GE PLASTICS SOUTH AMERICA LTDA |
CAMPINAS/SP |
19 3781-1153 |
|
GRAFICA SILFAB LTDA |
SÃO PAULO/SP |
11 229-9244 |
|
HUNTSMAN ADVANCE MAT. QUIM. BRASIL LTDA. |
SÃO PAULO/SP |
11 5532-7387 |
|
NETSTAL QUILITY SISTEMAS DE INJEÇÃO LTDA |
SÃO PAULO/SP |
11 5505-7360 |
|
ROHM & HASS |
SÃO PAULO/SP |
11 4195-4188 |
|
SABIC INNOVATIVE PLASTICS (GE PLASTICS) |
|
11 3708-0500 |
|
SUN CHEMICAL DO BRASIL LTDA |
GUARULHOS/SP |
11 6462-2514 |
|
FOREIGN
SUPPLIERS: |
COUNTRY: |
PHONE: |
|
BAYER GERMANY |
GERMANY |
55-11-5694-5631 |
|
ISABERG RAPID AB |
HESTRA - SWEDEN |
46 370-33-95-00 |
|
PAPIERFABRIK SCHOELLERSHAMMER |
DUREN - GERMANY |
02421-557-0 |
|
PAYMENT HISTORY: |
|
13 SUPPLIERS REPORTED PAYMENTS: |
|
TOTAL AMOUNT: R$ 173.362,00 |
|
|
|
AMOUNT OF INVOICES PAID: 41 |
|
TOTAL OF PROMPT PAYMENTS: 100% |
|
HIGHEST INVOICE: R$ 80.421,00 |
|
HIGHEST CREDIT: R$ 80.421,00 |
|
|
|
OUTSTANDING INVOICES DUE WITHIN THE NEXT 30 DAYS: |
|
--------------------------- |
SUPPLIERS: |
INVOICES: |
TOTAL AMOUNT: |
|
DUE WITHIN 30 DAYS |
1 |
1 |
R$ 125,00 |
FINAL OPINION
|
THE SUBJECT IS A WELL-ESTABLISHED COMPANY IN BUSINESS FOR SEVERAL
YEARS. UP TO DATE IT HAS A FAIR FINANCIAL STANDING BUT A CLEAR TRADE HISTORY
AND GOOD PAYMENT PERFORMANCE. 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. DESPITE THE NEGATIVE
RESULTS A CREDIT LIMIT OF USD 750.000,00 MAY BE CONSIDERED. |
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.49.64 |
|
|
1 |
Rs.78.35 |
|
Euro |
1 |
Rs.65.79 |
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.