MIRA INFORM REPORT

 

 

Report Date :

28.02.2012

 

IDENTIFICATION DETAILS

 

Name :

EDGARS CONSOLIDATED STORES LTD

 

 

Registered Office :

1 Press Avenue Crown Mines Johannesburg

 

 

Country :

South Africa

 

 

Date of Incorporation :

07.08.1946

 

 

Com. Reg. No.:

M1946/022751/06

 

 

Legal Form :

Private Company

 

 

Line of Business :

Retailers of clothing shoes and accessories.

 

 

No. of Employees :

43985 Including Group

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

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)

South Africa

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Summary

 

Subject Name

EDGARS CONSOLIDATED STORES LTD

Country

SOUTH AFRICA

Requested Credit Limit

US$1 500 000

Enquiry Terms

D/A

Account Review

EVERY 6 MONTHS

Subject Contact person

CHARLES VIKISI

 

 

 

Assessment

 

 

 

 

This is a large well-established and well-connected company that forms part of the largest retail clothing group in South Africa.

The subject is the holding company for the retailers.

In view of its standing and relations the subject would be considered as equal to its normal business engagements.

Please see financials attached.

 

Company Information

 

Registered Name

EDGARS CONSOLIDATED STORES LTD

Trading as

EDCON

Division Name

None

Previous Name

None

Date of Name Change

N/A

Registration Number

M1946/022751/06

Registration Date

1946-08-07

Date Commenced Trading

1946

Age of Business

65 years 6 months

History of Business

The original Edgars store was first started in 1929. The company delisted from the JSE in 2007. In 2004 the company acquired BOARDMANS stores totalling 25.

Shareholders and  % holding

100% EDCON HOLDINGS LTD

Authorised Share Capital

Nominal

Issued Share Capital

 

Status

This business is active

Operations Assessment

Retailers of clothing shoes and accessories.

Industry/ Customers

Public

Export

Yes to other group stores

Major Industry Code / SICC

62321 62322 62323

Definition of Code

Retailers of ladies ,mens, childrens clothing and shoes.

Head Office Physical Address

 

 

1 Press Avenue

CROWN MINES

Johannesburg

Head Office Postal Address

 

 

PO BOX 100

CROWN MINES

2025

Current Tel Number

011 4956000/ 6509

Current Fax Number

086 6458407

Current Email Address

cvikisi@edcon.co.za

Web Site Address

www.edcon.co.za

 

 

Auditors Information

 

Company Registered Name

ERNST AND YOUNG INC

Trading Name

None

Registration Number

2005/002308/21

Physical Address

Wanderers Office Park

52 Corlett Drive

ILLOVO

Johannesburg

Postal Address

Private Bag X14

NORTHLANDS

2116

Contact Person

JANE FITTON

Contact Number

011 7723000

Email

Jane.fitton@za.ey.com

Principals

76

Judgements Against Subject

None

Judgements Against Principals

None

Subject Verified as Client

Yes

SAICA number

9019447E

VAT Number

4280230949

Tax Number

9414606153

BEE Status

Yes – BEE level unknown by the respondent

Financial Year End

June

Years With Auditors

Many

Website

www.ey.com

 

 

Previous Auditors

 

Company Name

Phone Number

Time with previous auditors

None

 

 

Tax Information

 

Vat Number

4460236773

Status

Active

Vat Liable Date

Monthly

Tax Number

9250061711

Tax Clearance Expire Date

March and August

Financial Year End

March

 

 

Black Economic Empowerment

 

Status

Yes

Score

Level5

Expire Date

July 2012

BEE Certificate Available

Yes/No

 

 

ISO Status

 

Type of ISO Grade

Unknown

ISO Certificate

Yes/No

ISO Certificate Available

Yes/No

Certified by an Accredited Agent

Yes/No

 

 

Workman’s compensation

 

Registered

Yes

Compliance Certified

Yes

 

 

Company Structure

Subsidiaries

 

Subsidiary Company

All the following are trading names of subsidiary companies of the subject:

EDGARS

BORDMANS

RED SQUARE

TEMPTATIONS

PRATO

EDGARS ACTIVE

CNA

JET

JET MART

LEGIT

DISCOM

JET SHOES

JET HOME

Shareholding

100% EDGARS CONSOLIDATED STORES (PTY) LTD

 

Number of Employees

Group 43985

1.       Salaried employees

 

2.       Waged employees

 

3.       Permanent employees

18 271

4.       Casual employees

25 714

5.       Contracted employees

 

 



Company Fleet

No of vehicles:

Owned/ Leased

Value

Outstanding Balance

Fleet Operations

 

 

 

 

The Fleet is made up of

Group has many

1.       Cars

 

 

 

 

2.       Light Delivery Vehicles

 

 

 

 

3.       Trailers

 

 

 

 

4.       Busses

 

 

 

 

5.       Trucks

 

 

 

 

6.       Fork Lifts

 

 

 

 

7.       Other

 

 

 

 

 

Offices

 


Head Office Owned/ Rented

Owned within the group

Type of Premises

Offices

 

Branches Names

Country

Over 1000

South Africa

Botswana

Namibia

Swaziland

Lesotho

 


Branches Owned/ Rented

Mostly rented, property leases for the subject per annum totals to:

R1 323 000 000.

Branches for group stores:

EDGARS-166

BORDMANS-36

RED SQUARE-37

TEMPTATIONS-8

PRATO-6

EDGARS ACTIVE-8

CAN-202

JET-299

JET MART-118

LEGIT-154

DISCOM-140

JET SHOES-6

JET HOME-1

 

 

Company Structure (Ownership)

 

Note: One level up and all levels down

 

Holding

Company

Sub

100% EDCON HOLDINGS LTD

EDGARS CONSOLIDATED STORES LTD

EDGARS

BORDMANS

RED SQUARE

TEMPTATIONS

PRATO

EDGARS ACTIVE

CNA

JET

JET MART

LEGIT

DISCOM

JET SHOES

JET HOME

 

 

Trade References

 

Key deals signed within the past 12 months.

 

Company

Value

Contact

Unavailable

 

 

 

The subject purchases good on behalf of the stores and imports most of its supplies.

 It was stated that various freight companies are used.

 

Adverse Information on Subject

Judgements

Judgements

None

Possible Judgements

None

Civil Court

None

RDs

None

 

 

Business Rescue

Date registered

Business rescue practitioner

Contact Information

Details

None

 

 

 

 

Default Listings

Date

Details

None

 

 

 

Notarial Bonds

Date

Details

None

 

 

Bank Information

 

Bank

FIRST NATIONAL BANK

Branch

CORPORATE JOHANNESBURG

Bank Account Number

Declined, each store has its own account number.

 

Bank Codes History

Date requested

Bank Code

Enquiry Amount

Number of RD’s

RD amount

RD Date

Bank Comments

Years with bank

None

 

 

 

 

 

 

 

 

 

Previous Bank Accounts

Banker

Branch Code

Account Holder

Account number

Date opened

Years with bank

None

 

 

 

 

 

 

 

Deeds Information

 

Property Interestsfor Company

Title Deed No.

None

Erf/Site No.

 

Deeds Office

 

Physical Address

 

Property Type

 

Extent / Size

 

Purchase Date

 

Purchase price

 

% Ownership

 

Bond Holder

 

Bond Number

 

Bond Amount

 

 

 


Financial Information

Financial Estimates

For financial information please see the group consolidated figures attached.

 

Please note the following:

 

Turnover and assets less than R 1,000,000.00

The subject falls within the National Credit Act

Turnover and assets less than R 2,000,000.00

The subject falls within the Consumer Protection Act

 

Principals

Number of Principals

4

Average Age of Active Principals

47

 

Active Principals

Principal 1 of 4: JURGEN SCHREIBER

Surname

SCHREIBER

First Name

JURGEN

Other Names

None

Marital Status

Unknown

ID Number

620207

Verified ID Number

No

Current Age

50

Designation

CEO

Status

Active

Appointment Date

2011-04-01

Physical Address (at time of Appointment)

102 Melrose Boulevard

MELROSE ARCH

Melrose

2076

Postal Address

P O Box 200

CROWN MINES

2025

Current Tel Number

Unavailable

Cell number

Unavailable

Current Fax Number

Unavailable

Current Email Address

Unavailable

Shareholding

Unavailable

 

Adverse Information for JURGEN SCHREIBER

 

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for JURGEN SCHREIBER

 

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

EDCON (PTY) LTD

2007/00325/07

In Business

5 years

0

No

EDCONHOLDINGS (PTY) LTD

M2006/036903/07

In Business

5 years 3 months

0

No

 

Previous Business Interests

Average Age of Previous Business Interests

None

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

None

 

 

 

 

 

 

 

Deeds Information

 

Property Interestsfor JURGEN SCHREIBER

                          

Title Deed No.

None

Erf/Site No.

 

Deeds Office

 

Physical Address

 

Property Type

 

Extent / Size

 

Purchase Date

 

Purchase price

 

% Ownership

 

Bond Holder

 

Bond Number

 

Bond Amount

 

 

Principal 2 of 4: STEPHEN BINNIE

Surname

BINNIE

First Name

STEPHEN

Other Names

R

Marital Status

Unknown

ID Number

6706195631086

Verified ID Number

Yes

Current Age

45

Designation

CA

Status

Active

Appointment Date

2003-03-27

Physical Address (at time of Appointment)

9 Maxwell Macdonald Street

GLENADRIENNE

2196

Postal Address

PO BOX 100

CROWN MINES

2025

Current Tel Number

011 4956509

Cell number

082 6013123

Current Fax Number

Unavailable

Current Email Address

Unavailable

Shareholding

(if the principal owns shares)

 

Adverse Information for STEPHEN BINNIE

Judgement

Number of Judgements

None

 

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for STEPHEN BINNIE

 

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

BOOKWISE (PTY) LTD

1968/014327/07

In Business

43 years 3 months

0

No

LAURE FASHIONS (PTY) LTD

1990/007137/07

In Business

21 years 3 months

0

No

RAPID DAWN 132 (PTY) LTD

2002/004179/07

In Business

10 years

0

No

ROWAN TREE 1140 (PTY) LTD

2004/056974/23

Deregistration process

7 years 8 months

0

No

EDCON ACQUISITION (PTY) LTD

2007/000518/07

In Business

5 years 1 month

0

No

EDCON FINCO (PTY) LTD

2007/003444/07

In Business

5 years

0

No

ONTHECARDS INVESTMENTS II (PTY) LTD

2009/005155/07

In Business

5 years

0

No

 

Previous Business Interests

Average Age of Previous Business Interests

33 years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

C N A PROPERTIES (PTY) LTD

1940/014082/06

Dissolved

71 years 7 months

0

No

CELROSE CLOTHING (PTY) LTD

1964/005645/07

Voluntary Liquidation

47 years 7 months

0

Yes

CORDER R TILNEY INVESTMENTS (PTY) LTD

1968/011053/07

Deregistration Final

43 years 5 months

0

No

CELROSE JEANS COMPANY (PTY) LTD

1971/010266/07

Dissolved

40 years 5 months

0

No

CREDIT MANAGEMENT LEARNING SYSTEMS (PTY) LTD

1979/004133/07

Deregistration Final

32 years 6 months

0

No

CANNON CLOTHING (PTY) LTD

1982/008350/07

Deregistration Final

 29 years 5 months

0

No

BCC BUREAU (PTY) LTD

1987/000435/07

Deregistration Final

25 years

0

No

FISH EAGLE DEBT COLLECTORS ENTERPRISES (PTY) LTD

1989/001620/07

Dissolved

22 years 11months

0

No

DELFIN SECURITIES (PTY) LTD

1989/002855/07

Voluntary Liquidation

22 years 9 months

0

No

STUDIO CLOTHING (PTY) LTD

1996/005897/07

Deregistration Final

15 years 9 months

0

No

ELLESSE SOUTH AFRICA (PTY) LTD

1996/014364/07

Dissolved

15 years 4 months

0

No

REACTOR CLOTHING (PTY) LTD

1996/014432/07

Voluntary Liquidation

15 years 4 months

0

No

TOPICS (PTY) LTD

M1955/000568/07

In Business

57 years

0

No

 

 

Deeds Information

 

Property Interestsfor STEPHEN BINNIE

 

Title Deed No.

T30018/1999

Erf/Site No.

 

Deeds Office

PRETORIA

Physical Address

9 MAXWELL MACDONALD GLENADRIENNE SANDTON

Property Type

Freehold/ Ervin

Extent / Size

1983.0SQM

Purchase Date

1999-02-03

Purchase price

R530 000.00

% Ownership

0.0000

Bond Holder

INVESTEC BANK

Bond Number

B148831999

Bond Amount

R630 000.00

 

 

Principal 3 of 4: MARK BOWER

Surname

BOWER

First Name

MARK

Other Names

None

Marital Status

Unknown

ID Number

5503195093081

Verified ID Number

Yes

Current Age

57

Designation

CEO EXEC Group Services

Status

Active

Appointment Date

1990-10-01

Physical Address (at time of Appointment)

27 Cheshma Road

BRYANSTON

2021

Postal Address

P O Box 100

CROWN MINES

2025

Current Email Address

Unknown

Current Tel Number

Unavailable

Cell number

Unavailable

Current Fax Number

Unavailable

Shareholding

(if the principal owns shares)

 

Adverse Information for MARK BOWER

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for MARK BOWER

 

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

RAPID DAWN 132 (PTY) LTD

2002/004179/07

In Business

10 years

0

No

EDCON (PTY) LTD

2007/003525/07

In Business

5 years

0

No

EDCON ACQUISITION (PTY) LTD

2007/000518/07

In Business

5 years 1 month

0

No

EDCON FINCO (PTY) LTD

2007/003444/07

In Business

5 years

0

No

SHOECORP SHOE STORES (PTY) LTD

1931/003648/07

Deregistration Process

80 years 2 months

0

No

UNITED RETAIL LTD

1946/020392/06

In Business

66 years 1 month

0

No

BOOKWISE (PTY) LTD

1968/014327/07

In Business

43 years 3 months

0

No

LAURE FASHIONS (PTY) LTD

1990/007137/07

In Business

21 years 3 months

0

No

CLAMARIC PROPERTIES CC

1997/054499/23

Deregistration Process

14 years 4 months

0

No

 

 

Previous Business Interests

Average Age of Previous Business Interests

25 years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

SALES HOUSE (PTY) LTD

1969/008103/07

Deregistration Final

42 years 9 months

0

No

CELROSE JEANS COMPANY (PTY) LTD

1971/010266/07

Dissolved

40 years 5 months

0

No

EDGARS STORES (MANAGEMENT) LTD

1978/001269/06

Deregistration Final

33 years 10 months

0

No

PEOPLES STORES (TRANSKEI) (PTY) LTD

1978/060109/07

Deregistration Final

33 years 7 months

0

No

PEOPLES STORES (BOPHUTHATSWANA) (PTY) LTD

1980/070133/07

Deregistration Final

31 years 4 months

0

No

CANNON CLOTHING (PTY) LTD

1982/008350/07

Voluntary Liquidation

29 years 5 months

0

Yes

CUTHBERTS (BOPHUTHATSWANA) (PTY) LTD

1985/070324/07

Deregistration Final

26 years 7 months

0

No

PEOPLES STORES (VENDA) (PTY) LTD

1987/080051/07

Deregistration Final

24 years 6 months

0

No

ELSONY FOODS (PTY) LTD

1988/070135/07

Deregistration Final

23 years 10 months

0

No

PEOPLES STORES (MANAGEMENT) (TRANSKEI) (PTY) LTD

1989/060170/07

Deregistration Final

22 years 7 months

0

No

EXPRESS STORES (TRANSKEI) (PTY) LTD

1989/060173/07

Deregistration Final

22 years 7 months

0

No

CARREK (PTY) LTD

1990/007121/07

Conversion

21 years 3 months

0

No

PEOPLES STORES (CISKEI) (PTY) LTD

1990/092114/07

Deregistration Final

21 years 4 months

0

No

SUPER MART (PTY) LTD

1991/000472/07

Voluntary Liquidation

21 years

0

Yes

GOOSE BAY TRADING (PTY) LTD

1991/000983/07

Deregistration Final

21 years

0

No

SMILEY’S WAREHOUSE (PTY) LTD

1994/001746/07

Voluntary Liquidation

17 years 11 months

0

Yes

EDCON SOURCING (PTY) LTD

1994/007869/07

Voluntary Liquidation

17 years 5 months

0

Yes

EDGARS STORES LTD

1994/070057/10

Deregistration Final

17 years 11 months

0

No

AFRICAN ACCENT (PTY) LTD

1995/007083/07

Deregistration Final

16 years 7 months

0

No

STUDIO CLOTHING (PTY) LTD

1996/005897/07

Dissolved

15 years 9 months

0

No

ELLESSE SOUTH AFRICA (PTY) LTD

1996/014364/07

Voluntary Liquidation

15 years 4 months

0

Yes

REACTOR CLOTHING (PTY) LTD

1996/014432/07

Deregistration Final

15 years 4 months

0

No

THE SAB FINANCAE AND ACCOUNTING SCHOOL

1998/015982/08

Deregistration Final

13 years 6 months

0

No

E-CORPORATE TRAVEL SOLUTIONS (PTY) LTD

1999/027537/07

Dissolved

12 years 2 months

0

No

R 22 PROPERTIES (PTY) LTD

M1990/005720/07

Deregistration Process

21 years 5 months

0

No

 

 

Deeds Information

 

Property Interestsfor MARK BOWER

 

Title Deed No.

T122453/2005

Erf/Site No.

 

Deeds Office

PRETORIA

Physical Address

BRYANSTON SANDTON

Property Type

Freehold/ Ervin

Extent / Size

1579.0SQM

Purchase Date

2005-07-25

Purchase price

R6 650 000.00

% Ownership

0.0000

Bond Holder

 

Bond Number

 

Bond Amount

R0.00

 

 

Title Deed No.

T3222/2008

Erf/Site No.

 

Deeds Office

PRETORIA

Physical Address

25 LOURIE PECANWOOD ESTATE HARTEBEESPOORT

Property Type

Freehold/ Ervin

Extent / Size

583.0SQM

Purchase Date

2007-10-01

Purchase price

R3 150 000.00

% Ownership

0.0000

Bond Holder

MYBURGH ANTON THEUNIS

Bond Number

VA42832002

Bond Amount

R0.00

 

Principal 4 of 4: URIN FERNDALE

Surname

FERNDALE

First Name

URIN

Other Names

None

Marital Status

Unknown

ID Number

6501035147082

Verified ID Number

Yes

Current Age

47

Designation

Director

Status

Active

Appointment Date

2007-05-14

Physical Address (at time of Appointment)

4 Casa Diva

BUCCLEUCH

Gibson Drive

2025

Postal Address

P O Box 9300

PRETORIA

0001

Current Tel Number

011 4681908

Cell number

082 8589033

Current Fax Number

Unavailable

Current Email Address

Unavailable

Shareholding

Unavailable

 

Adverse Information for

 

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for URIN FERNDALE

 

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

UNITED RETAIL LTD

1946/020392/06

In Business

66 years 1 month

0

No

BOOKWISE (PTY) LTD

1968/014327/07

In Business

43 years 3 months

0

No

UNIT 5 CASA DIVA BUCCLEUCH CC

1998/060940/23

In Business

13 years 4 months

0

No

UNIT 3 CASA DIVA BUCCLEUCH CC

1998/060955/23

In Business

13 years 4 months

0

No

UNIT 9 CASA DIVA BUCCLEUCH CC

2002/019758/23

In Business

9 years 11 months

0

No

UNIT 4 CASA DIVA BUCCLEUCH CC

B1998/031102/23

In Business

13 years 9 months

0

No

EDCON HOLDINGS (PTY) LTD

M2006/036903/07

In Business

5 years 3 months

0

No

EDCON (PTY) LTD

2007/003525/07

In Business

5 years

0

No

 

Previous Business Interests

Average Age of Previous Business Interests

30 years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

WM CUTHBERT AND CO LTD

1925/008279/06

Deregistration Final

86 years 8 months

0

No

C N A PROPERTIES LTD

1940/014082/06

Dissolved

71 years 7 months

0

No

PEOPLES STORES (BOPHUTATSWANA)  (PTY) LTD

1980/070133/07

Deregistration

Final

31 years 4 months

0

No

SUPER MART (PTY) LTD

1991/000472/07

Voluntary Liquidation

21 years

0

Yes

TOPICS (PTY) LTD

M1955/000568/07

In Business

57 years

0

No

R 22 PROPERTIES (PTY) LTD

M1990/005720/07

Deregistration Process

21 years 5 months

0

No

EDCON RETAIL ACADEMY (PTY) LTD

M2008/019063/07

In Business

3 years 6 months

0

No

 

Deeds Information

 

Property Interestsfor URIN FERNDALE

 

Title Deed No.

T23924/2006

Erf/Site No.

 

Deeds Office

PRETORIA

Physical Address

 

Property Type

Freehold /Ervin

Extent / Size

2401.0SQM

Purchase Date

2005-11-24

Purchase price

R4 500 000.00

% Ownership

0.0000

Bond Holder

 

Bond Number

 

Bond Amount

R0.00

 

Title Deed No.

ST28670/2008

Erf/Site No.

6565.0

Deeds Office

CAPE TOWN

Physical Address

CENTURY CITY MILNERTON

Property Type

Sectional title/ Unit

Extent / Size

85.0SQM

Purchase Date

2008-07-31

Purchase price

R2 045 000.00

% Ownership

0.0000

Bond Holder

FIRSTRAND BANK LTD

Bond Number

SB146052008

Bond Amount

R0.00

 

Title Deed No.

T1771/2009

Erf/Site No.

 

Deeds Office

JOHANNESBURG

Physical Address

86 SAPELE FEEWAY PARK BOKSBURG

Property Type

Freehold/ Ervin

Extent / Size

995.0SQM

Purchase Date

2008-08-26

Purchase price

R495 000.00

% Ownership

0.0000

Bond Holder

FIRSTRAND BANK LTD

Bond Number

B15452009

Bond Amount

R495 000.00

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.49.05

UK Pound

1

Rs.77.78

Euro

1

Rs.65.89

 

 

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

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NB

                                       New Business

 

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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%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

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