MIRA
INFORM REPORT
|
Report Date : |
21.02.2012 |
IDENTIFICATION DETAILS
|
Name : |
IREM
S.P.A. |
|
|
|
|
Registered Office : |
Via Rocciamelone, 58, 10050 – Sant’Antonino di Susa (TO) – IT- |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2010 |
|
|
|
|
Date of Incorporation : |
31.12.1974 |
|
|
|
|
Com. Reg. No.: |
TO272-1975-253 since 19/02/1996 |
|
|
|
|
Legal Form : |
Joint stock company with sole
shareholder |
|
|
|
|
Line of Business : |
Manufacture of electronic components and boards |
|
|
|
|
No. of Employees : |
130 |
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 |
|
Maximum Credit Limit : |
250.000
- Eur |
|
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 – September 30, 2011
|
Country Name |
Previous Rating (30.06.2011) |
Current Rating (30.09.2011) |
|
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
|
Irem S.p.A. |
|
Via |
Rocciamelone, |
58 |
|
10050 |
- Sant'Antonino di Susa |
(TO) |
-IT- |
Summary
|
Fiscal Code |
: |
00389630013 |
|
Legal Form |
: |
Joint stock company with sole shareholder |
|
start of Activities |
: |
31/12/1974 |
|
Equity |
: |
2.000.000 Eur |
|
Turnover Range |
: |
10.000.000/12.750.000 Eur |
|
Number of Employees |
: |
from 111 to 130 |
Credit Analysis
|
Credit Opinion |
: |
250.000 - Eur |
Activity
Manufacture
of electronic components and boards
Manufacture
of instruments for navigation, hydrology, geophysics and
meteorology
Manufacture
of meters
alytical
precision balance, apparatus for measuring and regulating (
including
separate parts and accessories)
Legal Data
Legal
Form : Joint stock company with sole shareholder
|
Fiscal Code : 00389630013 |
|
Foreign Trade Reg. no. : TO006972 since 04/12/1991 |
|
Foreign Trade Reg. no. : 6972 of Torino since 04/12/1991 |
|
Foreign Trade Reg. no. : 818097 of Torino |
|
Chamber of Commerce no. : 491811 of Torino since 21/02/1975 |
|
Firms' Register : TO272-1975-253 since 19/02/1996 |
|
V.A.T. Code : 00389630013 |
|
Tribunal Co. Register : 253 of Torino |
|
Foundation date |
: 31/12/1974 |
|
|
Establishment date |
: 31/12/1974 |
|
|
Start of Activities |
: 31/12/1974 |
|
|
Legal duration |
: 31/12/2050 |
|
|
Nominal Capital |
: 1.080.000 |
Eur |
|
Subscribed Capital |
: 1.080.000 |
Eur |
|
Paid up Capital |
: 1.080.000 |
Eur |
Members
|
|
Celso |
Giuseppina |
|
|
|
Born in Sant'Antonino di Susa |
(TO) |
on 21/03/1949 |
- Fiscal Code : CLSGPP49C61I296O |
|
|
|
Residence : |
Via |
Rocciamelone |
, 60 |
- 10050 |
Sant'Antonino di Susa |
(TO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Managing Director |
20/05/2010 |
|
|
|
Director |
20/05/2010 |
|
|
|
Board Chairman |
20/05/2010 |
|
|
|
|
No Protests registered |
|
|
Celso |
Elisabetta |
|
|
|
Born in Giaveno |
(TO) |
on 17/01/1973 |
- Fiscal Code : CLSLBT73A57E020F |
|
|
|
Residence : |
Via |
Superga |
, 7 |
- 10050 |
Sant'Antonino di Susa |
(TO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
20/05/2010 |
|
|
|
|
No Protests registered |
|
|
Longo |
Renato |
|
|
|
Born in Torino |
(TO) |
on 17/07/1960 |
- Fiscal Code : LNGRNT60L17L219H |
|
|
|
Residence : |
Via |
Rosta |
, 52 |
- 10093 |
Collegno |
(TO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
20/05/2010 |
|
|
|
Attorney with special power |
08/11/2005 |
|
|
|
|
No Protests registered |
|
|
Maranzana |
Andrea |
|
|
|
Born in Rivoli |
(TO) |
on 07/03/1976 |
- Fiscal Code : MRNNDR76C07H355N |
|
|
|
Residence : |
Borgata |
Roncaglia |
, 12 |
- 10090 |
Villarbasse |
(TO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
20/05/2010 |
|
|
|
Attorney with special power |
26/07/2011 |
|
|
|
|
No Protests registered |
|
|
Allietta |
Rosanna |
|
|
|
Born in Torino |
(TO) |
on 02/05/1965 |
- Fiscal Code : LLTRNN65E42L219Z |
|
|
|
Residence : |
Via |
Rocciamelone |
, 58 |
- 10050 |
Sant'Antonino di Susa |
(TO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
13/10/2003 |
|
|
|
|
No Protests registered |
|
|
Bbc S.r.l. |
|
|
|
|
|
|
Residence : |
Corso |
Re Umberto |
, 7 |
- 10121 |
Torino |
(TO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Sole partner |
|
|
|
|
|
No Protests registered |
Companies connected to members *
*checkings
have been performed on a national scale.
In
this module are listed the companies in which members hold or have holded
positions.
|
|
CELSO |
GIUSEPPINA |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
BBC S.R.L. |
Torino (TO) - IT - |
96650350018 |
Managing Director |
Active |
Registered |
|
BBC S.R.L. |
Torino (TO) - IT - |
96650350018 |
Director |
Active |
Registered |
|
BBC S.R.L. |
Torino (TO) - IT - |
96650350018 |
Partner |
Withdrawn |
Registered |
|
ELLAS - SOCIETA' SEMPLICE |
Sant'Antonino di Susa (TO) - IT - |
96650330010 |
Partner |
Withdrawn |
Ceased |
|
IREM IMMOBILIARE S.R.L. |
Sant'Antonino di Susa (TO) - IT - |
09493890017 |
Managing Director |
Active |
Registered |
|
IREM IMMOBILIARE S.R.L. |
Sant'Antonino di Susa (TO) - IT - |
09493890017 |
Director |
Active |
Registered |
|
MELANIA - SOCIETA' SEMPLICE |
Torino (TO) - IT - |
96650340019 |
Partner |
Active |
Registered |
The
indication "REGISTERED" as Firm Status could refer to Firms in
Liquidation, Active, Inactive, etc.
For
more information, in this case, we advise to request further investigations.
Capital Shareholders
Shareholders'
list as at date of data collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Bbc S.r.l. |
Torino - IT - |
96650350018 |
|
100,00 |
Direct Participations
The
Company under review has participations in the following Companies:
|
Firm's Style |
Seat |
Fiscal Code |
Owned Shares Amount |
% Ownership |
since |
until |
Share Status |
|
Dis.co.ra. Distribuzione Componenti RackS.r.l. |
Lissone - IT - |
06186670151 |
9.245 .Eur |
19,89 |
|
|
Active |
|
Rondi - S.r.l. In Liquidazione |
Torino - IT - |
02789480015 |
4.160 .Eur |
40,00 |
|
|
Active |
Firm's location and structure
In
order to carry out its activities the firm uses the following locations:
|
- |
Legal and operative seat |
|
|
|
|
|
|
Via |
Rocciamelone |
, 58 |
- 10050 |
- Sant'Antonino di Susa |
(TO) |
- IT - |
|
|
|
|
PHONE |
: 011/9631313 |
|
|
|
|
PHONE |
: 011/964822 |
|
|
|
|
PHONE |
: 011/9648211 |
|
|
|
|
FAX |
: 011/9648222 |
|
- |
Branch |
(office ) |
since 12/07/1985 |
|
|
|
|
|
Via |
Abegg |
, 75 |
- 10050 |
- Borgone Susa |
(TO) |
- IT - |
|
|
|
|
PHONE |
: 011/9646213 |
|
|
|
|
Employees |
: 128 |
|
Fittings and Equipment for a value of 230.000 |
Eur |
|
Stocks for a value of 2.970.000 |
Eur |
|
Furniture and fittings for a value of 340.000 |
Eur |
|
Vehicles for a value of 210.000 |
Eur |
|
|
The
firm operates abroad as importer / exporter. .
To
purchase foreign products the firm uses the following channels :
|
- direct orders to foreign companies |
Export
represents from 20% to 50% of the global turnover.
Products
abroad are placed by :
|
- importers |
|
- its own agents |
|
- its own foreign branches |
|
- direct orders from foreign companies |
Export
is mainly towards:
|
- Guyana |
|
- Guatemala GCA |
|
- GIAMAICA |
|
- Francia |
|
- Belgio |
|
- Grecia |
|
- Gabon |
|
- Isole Maldive |
Historical Information and/or Firm's Status
EX-MEMBERS / EX-POSITIONS:
|
|
Saracco |
Claudio |
|
|
|
Born in Torino |
on 31/07/1940 |
- Fiscal Code : SRCCLD40L31L219T |
|
|
|
Residence : |
Via |
Baretti |
, 46 SC.A |
- 10100 |
Torino |
(TO) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Guassora |
Flavio |
|
|
|
Born in Sant'Antonino di Susa |
on 27/04/1938 |
- Fiscal Code : GSSFLV38D27I296X |
|
|
|
Residence : |
Via |
Ormea |
, 10 |
- 10050 |
Sant'Antonino di Susa |
(TO) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Bandera |
Bruna Giovanna |
|
|
|
Born in Busto Arsizio |
on 24/06/1922 |
- Fiscal Code : BNDBGN22H64B300R |
|
|
|
Residence : |
Via |
Rocciamelone |
, 60 |
- 10050 |
Sant'Antonino di Susa |
(TO) |
- IT - |
|
Ex-Postions |
|
Chairman |
|
Managing Director |
|
|
Celso |
Giuseppina |
|
|
|
Born in Sant'Antonino di Susa |
on 21/03/1949 |
- Fiscal Code : CLSGPP49C61I296O |
|
|
|
Residence : |
Via |
Rocciamelone |
, 60 |
- 10050 |
Sant'Antonino di Susa |
(TO) |
- IT - |
|
Ex-Postions |
|
Vice-Chairman |
|
Managing Director |
|
Director |
|
Assistant board Chairman |
|
Assistant board Chairman |
|
|
Dall'Anese |
Giuseppe |
|
|
|
Born in San Pietro di Feletto |
on 21/09/1946 |
- Fiscal Code : DLLGPP46P21I103D |
|
|
|
Residence : |
Corso |
Traiano |
, 82 |
- 10100 |
Torino |
(TO) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Celso |
Elisabetta |
|
|
|
Born in Giaveno |
on 17/01/1973 |
- Fiscal Code : CLSLBT73A57E020F |
|
|
|
Residence : |
Via |
Superga |
, 7 |
- 10050 |
Sant'Antonino di Susa |
(TO) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Nielsen S.P.A. |
|
|
- Fiscal Code : 02499190011 |
|
Via |
SAN FRANCESCO DA PAOLA |
, 15 |
- 10100 |
Torino |
(TO) |
- IT - |
|
Ex-Postions |
|
|
|
|
CHIELI |
RENATO MARIA |
|
|
|
Born in TORINO |
on 01/07/1948 |
- Fiscal Code : CHLRTM48L01L219O |
|
|
|
Residence : |
Viale |
DEL PARCO |
, 3 |
- 10024 |
Moncalieri |
(TO) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Ciocca |
Luciano |
|
|
|
Born in Varzo |
on 13/11/1947 |
- Fiscal Code : CCCLCN47S13L691I |
|
|
|
Residence : |
Via |
Filippo Prato |
, 3 |
- 28078 |
Romagnano Sesia |
(NO) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Bandera |
Bruna Giovanna |
|
|
|
Born in Busto Arsizio |
on 24/06/1922 |
- Fiscal Code : BNDBNG22H64B300R |
|
|
|
Residence : |
Via |
Rocciamelone |
, 60 |
- 10050 |
Sant'Antonino di Susa |
(TO) |
- IT - |
|
Ex-Postions |
|
Managing Director |
|
Director |
|
Board Chairman |
|
|
Enrietta |
Sergio |
|
|
|
Born in Venaus |
on 17/03/1953 |
- Fiscal Code : NRTSRG53C17L726L |
|
|
|
Residence : |
Frazione |
Prato |
, 6 |
- 10050 |
Venaus |
(TO) |
- IT - |
|
Ex-Postions |
|
Director |
|
Director |
|
|
Rigon |
Stefano |
|
|
|
Born in Avigliana |
on 09/12/1960 |
- Fiscal Code : RGNSFN60T09A518F |
|
|
|
Residence : |
Via |
L.l. Colli |
, 1 |
- 10100 |
Torino |
(TO) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Niccolai |
Fabrizio |
|
|
|
Born in Milano |
on 16/10/1963 |
- Fiscal Code : NCCFRZ63R16F205A |
|
|
|
Residence : |
Via |
Domenico Vallero |
, 23 |
- 10077 |
San Maurizio Canavese |
(TO) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
CEASINGS/INCORPORATIONS/MERGES:
|
|
Splitting-up and setting-up of a new company |
|
|
|
|
IREM IMMOBILIARE S.R.L.
|
|
|
, Sant'antonino Di Susa |
- IT - |
|
|
|
Date |
Splitting-up : |
15/12/2006 |
|
|
Project of merging by taking over of |
|
|
|
|
|
|
|
Corso |
Re Umberto |
, 7 |
, 10121 |
, Torino |
(TO) |
- IT - |
|
|
|
Fiscal Code: 96650340019 |
|
|
|
Date |
Merging/splitting-up project : |
27/06/2008 |
|
|
The firm absorbed by merging of |
|
|
|
|
|
|
|
Corso |
Re Umberto |
, 7 |
, 10121 |
, Torino |
(TO) |
- IT - |
|
|
|
Fiscal Code: 96650340019 |
|
|
|
Date |
: |
15/07/2008 |
|
|
Resolution of merging of |
|
|
|
|
|
|
|
Corso |
Re Umberto |
, 7 |
, 10121 |
, Torino |
(TO) |
- IT - |
|
|
|
Fiscal Code: 96650340019 |
|
|
|
Date |
: |
15/07/2008 |
Protests
Protests
checking on the subject firm has given a negative result.
Legal Procedures
None
reported, standing to the latest received edition of the Official Publications.
Financial and Economical Analysis
Company's
starting of activities dates back to 1974.
The
economic-financial analysis has been made on the base of the b/s of the latests
three years.
Under
the financial profile unstable results are noted. with a loss in the last
financial year.
The
return on investment in the last financial year was negative (-2,62%).
The
operating loss is equal to Eur. -210.510.
The
gross operating margin for the fiscal year 2010 is negative, for an amount of
Eur. -391.
The
financial status of the company is fairly balanced with an indebtedness level
of 1,18 with an improving trend as on the decrease.
It's
shareholders funds amount to Eur. 1.524.250 on the same levels as the year
before.
During
the last financial year debts totalled Eur. 3.670.664 (Eur. 491.022 of which
were m/l term debts) with no important change.
Moderate
recourse to bank credit while the exposure towards suppliers is rather high but
lined up with the field's average.
It
shows a good range of liquidity.
Trade
credits average terms are 68,16 days. , a better value than the sector's
average.
Managerial
cash flow has a minus sign and is equal to Eur. -128.570.
Subordinate
employment cost is of Eur. 5.305.460, i.e. 45,45% on total production costs. ,
whereas the incidence of such costs on sales revenues is equal to 47,28%.
The
incidence of the financial charges is of -0,16% on the sales amount.
Financial Data
|
|
|
Complete balance-sheet for the year |
31/12/2010 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
11.222.305 |
|
Profit (Loss) for the period |
-333.328 |
|
|
|
Complete balance-sheet for the year |
31/12/2009 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
11.055.524 |
|
Profit (Loss) for the period |
-1.196.055 |
|
|
|
Complete balance-sheet for the year |
31/12/2008 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
13.649.613 |
|
Profit (Loss) for the period |
29.698 |
|
|
|
Complete balance-sheet for the year |
31/12/2007 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
14.959.963 |
|
Profit (Loss) for the period |
382.651 |
|
|
Complete balance-sheet for the year |
31/12/2006 |
(in Eur |
x 1 ) |
|
Item Type |
Value |
|
Sales |
13.653.028 |
|
Profit (Loss) for the period |
324.491 |
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:
Eur - Amounts x 1 |
|
- Balance Sheet as at 31/12/2009 - 12 Mesi - Currency:
Eur - Amounts x 1 |
|
- Balance Sheet as at 31/12/2008 - 12 Mesi - Currency:
Eur - Amounts x 1 |
|
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|
|
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 |
0,08 |
0,06 |
0,05 |
0,22 |
|
Elasticity Ratio |
Units |
0,92 |
0,93 |
0,94 |
0,76 |
|
Availability of stock |
Units |
0,37 |
0,35 |
0,34 |
0,19 |
|
Total Liquidity Ratio |
Units |
0,55 |
0,58 |
0,60 |
0,52 |
|
Quick Ratio |
Units |
0,25 |
0,17 |
0,21 |
0,03 |
|
COMPOSITION ON SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
1,18 |
1,28 |
0,71 |
2,39 |
|
Self Financing Ratio |
Units |
0,19 |
0,22 |
0,30 |
0,22 |
|
Capital protection Ratio |
Units |
0,51 |
1,06 |
0,64 |
0,65 |
|
Liabilities consolidation quotient |
Units |
0,85 |
0,81 |
1,02 |
0,23 |
|
Financing |
Units |
2,41 |
2,00 |
1,29 |
3,19 |
|
Permanent Indebtedness Ratio |
Units |
0,53 |
0,54 |
0,63 |
0,42 |
|
M/L term Debts Ratio |
Units |
0,34 |
0,32 |
0,33 |
0,13 |
|
Net Financial Indebtedness Ratio |
Units |
0,00 |
0,00 |
0,00 |
0,64 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
6,74 |
8,33 |
11,97 |
1,80 |
|
Current ratio |
Units |
2,33 |
2,41 |
2,92 |
1,30 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
1,39 |
1,49 |
1,85 |
0,92 |
|
Structure's primary quotient |
Units |
2,43 |
3,43 |
5,73 |
1,08 |
|
Treasury's primary quotient |
Units |
0,62 |
0,43 |
0,65 |
0,05 |
|
Rate of indebtedness ( Leverage ) |
% |
527,85 |
453,52 |
329,09 |
456,81 |
|
Current Capital ( net ) |
Value |
4.227.096 |
4.597.520 |
6.226.491 |
682.896 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
- 1,15 |
- 8,30 |
2,43 |
4,56 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
- 21,87 |
- 64,39 |
0,97 |
6,81 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
- 14,60 |
- 46,99 |
8,54 |
18,85 |
|
Return on Investment ( R.O.I. ) |
% |
- 2,62 |
- 7,38 |
2,63 |
5,41 |
|
Return/ Sales |
% |
- 1,88 |
- 5,62 |
1,94 |
4,75 |
|
Extra Management revenues/charges incid. |
% |
n.c. |
n.c. |
11,22 |
35,79 |
|
Cash Flow |
Value |
-128.570 |
-917.836 |
331.201 |
237.257 |
|
Operating Profit |
Value |
-210.510 |
-621.638 |
264.763 |
228.892 |
|
Gross Operating Margin |
Value |
-391 |
-293.613 |
605.556 |
406.634 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
68,16 |
106,58 |
86,92 |
118,40 |
|
Debts to suppliers average term |
Days |
110,02 |
113,53 |
94,16 |
128,10 |
|
Average stock waiting period |
Days |
95,41 |
97,34 |
91,16 |
54,07 |
|
Rate of capital employed return ( Turnover ) |
Units |
1,39 |
1,31 |
1,36 |
1,13 |
|
Rate of stock return |
Units |
3,77 |
3,70 |
3,95 |
6,62 |
|
Labour cost incidence |
% |
47,28 |
49,82 |
42,27 |
18,32 |
|
Net financial revenues/ charges incidence |
% |
- 0,16 |
- 0,14 |
- 0,10 |
- 1,25 |
|
Labour cost on purchasing expenses |
% |
45,45 |
47,54 |
43,21 |
17,78 |
|
Short-term financing charges |
% |
0,90 |
1,03 |
1,49 |
3,03 |
|
Capital on hand |
% |
71,69 |
76,20 |
73,62 |
88,55 |
|
Sales pro employee |
Value |
68.013 |
64.276 |
91.608 |
190.737 |
|
Labour cost pro employee |
Value |
32.154 |
32.024 |
38.724 |
33.795 |
Market / Territory Data
|
Population living in the province |
: |
2.236.941 |
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
Monthly
family expences average in the region (in Eur.) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Sector Data
The
values are calculated on a base of 949 significant companies.
The
companies cash their credits on an average of 118 dd.
The
average duration of suppliers debts is about 128 dd.
The
sector's profitability is on an average of 4,56%.
The
labour cost affects the turnover in the measure of 18,32%.
Goods
are held in stock in a range of 54 dd.
The
difference between the sales volume and the resources used to realize it is
about 1,13.
The
employees costs represent the 17,78% of the production costs.
Statistical Detrimental Data
The
area is statistically considered moderately risky.
In
the region 27.019 protested subjects are found; in the province they count to
16.723.
The
insolvency index for the region is 0,63, , while for the province it is 0,76.
Total
Bankrupt companies in the province : 7.726.
Total
Bankrupt companies in the region : 14.165.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.49.21 |
|
|
1 |
Rs.77.75 |
|
Euro |
1 |
Rs.64.58 |
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.