MIRA INFORM REPORT

 

 

Report Date :           

28.02.2012

 

IDENTIFICATION DETAILS

 

Name :

K.T.C. (EDIBLES) LIMITED

 

 

Registered Office :

Js House Moorcroft Drive, Moorcroft Park, Wednesbury, West Midlands, Ws10 7de.

 

 

Country :

United Kingdom 

 

 

Financials (as on) :

31.12.2010

 

 

Date of Incorporation :

29.06.1979

 

 

Com. Reg. No.:

01433723

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Processors and dealers in foodstuffs.

 

 

No. of Employees :

196

 

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 :

GBP 134,000

 

 

Status :

Good

 

 

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 30th, 2011

 

Country Name

Previous Rating

                   (30.06.2011)                  

Current Rating

(30.09.2011)

United Kingdom 

a1

a1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Company Identification Details

 

Subject Reported on

K.T.C. (EDIBLES) LIMITED

 

Registration Number

01433723

VAT Number

GB333860753

Address

J S HOUSE, MOORCROFT DRIVE, WEDNESBURY, WEST MIDLANDS, WS10 7DE.

Telephone

0121 505 9200

Web Address

www.ktc-edibles.co.uk

 

 

Creditline Recommendations

 

Monthly Credit Guide

GBP 134,000

 

 

 

Official Company Data

 

 

Legal Form

Private Limited

Registration Number

01433723

VAT Number

GB333860753

Subject Status

Trading

Date of Incorporation

29/06/1979

Registered Office

JS HOUSE MOORCROFT DRIVE, MOORCROFT PARK, WEDNESBURY, WEST MIDLANDS, WS10 7DE.

History

30/03/2008 : The Registered Office address changed from JS HOUSE, MOORCROFT DRIVE, MOORCROFT PARK, WE.

 

23/01/2006 : The Registered Office address changed from JS HOUSE, MOORCROFT DRIVE, WEDNESBURY, WEST M.

 

29/03/2000 : The Registered Office address changed from J S HOUSE, MOORCROFT DRIVE, WEDNESBURY, WEST.

 

9/03/2000 : The Registered Office address changed from BEACON WORKS FRIAR PARK ROAD, WEDNESBURY, WE.

 

1/04/1993 : The Registered Office address changed from BEACON WORKS FRIAR PARK ROAD, WEDNESBURY, WE.

Date of Last Annual Return to Registry

21/03/2011

Accounts

The last filed accounts at Companies House are those to 31/12/2010

Accounting Reference Date

31/12

 

 

 

Operations

 

 

Activities

Processors and dealers in foodstuffs.

Nace Code

1542

Premises

Owned,Offices,Warehouse,Factory

Staff Employed

196

Trade Names

K.T.C. FOODS, KHERA TRADING COMP

Product Names

BAKERS CHOICE,DHILLON,KTC, CALYPSO,CARIBBEAN COOL,, CHEFS CHOICE,MIDAS,KARD

Import Countries

ALL OVER THE WORLD

Export Countries

ALL OVER THE WORLD

Bankers

BARCLAYS BANK PLC

Address

WEDNESBURY.

Auditors

BDO LLP

Branches

J S HOUSE, MOORCROFT DRIVE, WEDNESBURY, WEST MIDLANDS, WS10 7DE.

Associated Companies

21STCENTURY DRINKS LIMITED

 

 

 

 

Previous Searches

 

Search History Summary

 

Last 3 Months

Last 6 Months

Last 12 Months

3

7

16

 

Search History Details

 

The Search History Details shows details of the most recent 40 searches

 

Date

Description

01/02/2012

Miscellaneous

09/01/2012

Miscellaneous

09/01/2012

Miscellaneous

09/11/2011

Inland passenger water transport

28/10/2011

Miscellaneous

09/09/2011

Miscellaneous

24/08/2011

Miscellaneous

28/07/2011

Miscellaneous

28/07/2011

Miscellaneous

25/07/2011

Inland passenger water transport

07/07/2011

Miscellaneous

23/06/2011

Miscellaneous

09/06/2011

Miscellaneous

06/05/2011

Miscellaneous

26/04/2011

Miscellaneous

02/03/2011

Miscellaneous

11/02/2011

Miscellaneous

 

 

 

 

 

Public Record Information

 

 

Summary of CCJ's/Scottish Decrees

 

Period

Last 72 Months

Amount Summary

108

Count Summary

1

Unsettled Amount Summary

108

Highest Amount Summary

108

0

0

 

Details of the most recent CCJ's/Scottish Decrees

 

Date

Amount

Type

Case No

Satisfied

Court

08/07/2008

108

Judgment

8XJ81170

 

NORTHAMPTON CCBC

 

 

 

Summary of Mortgages, Charges and Satisfactions

 

 

Total Number of Mortgages/Charges Registered

24

Number Outstanding

3

Number Partially Satisfied

0

Number Satisfied

21

 

 

Date of Latest Mortgage Created

17/09/2009

Date of Latest Satisfaction

27/04/2010

 

 

 

Details of most recent Mortgages, Charges and Satisfactions

 

 

Date Fully
Satisfied

Date
Registered

Date
Created

Charge
Description

Form Type

Lender

 

25/09/2009

17/09/2009

Mortgage

395

Lloyds Tsb Bank Plc

 

19/08/2009

14/08/2009

Debenture

395

Lloyds Tsb Bank Plc

 

30/04/2008

25/04/2008

Debenture

395

Fortis Commercial Finance Limited

27/04/2010

17/04/1998

15/04/1998

Charge Of Development Agreement Relating To An Agreement Between....

395

Midland Bank Plc

27/04/2010

24/02/1998

16/02/1998

Debenture

395

Midland Bank Plc

01/12/1998

11/12/1997

05/12/1997

Fixed Charge Supplemental To A Debenture Dated 25Th July 1979....

395

Barclays Bank Plc

09/09/2009

22/10/1997

17/10/1997

Debenture

395

Bny Financial Limited

12/05/1998

15/01/1996

05/01/1996

Legal Charge

395

Barclays Bank Plc

12/05/1998

14/12/1995

06/12/1995

Legal Charge

395

Barclays Bank Plc

12/05/1998

11/01/1994

22/12/1993

Legal Charge

395

Barclays Bank Plc

 

It should be noted that there is no legal requirement to file satisfaction details of mortgages/charges at Companies House.

 

 

 

Other Filings and Notices

 

 

Date

Source

Description

 

04/08/2011

Companies House Gazette

Notification of any change among the company's directors

19/01/2011

Companies House Gazette

Notification of any change among the company's directors

05/01/2010

Companies House Gazette

Copy of any resolution under section 570 or 571 (dis-application of pre-emption rights)

17/09/2009

Companies House Gazette

Change among directors of a company

05/05/2001

Companies House Gazette

Change among directors of a company

07/08/1999

Companies House Gazette

Change among directors of a company

29/07/1999

Companies House Gazette

Change among directors of a company

20/12/1993

Companies House Gazette

Change among directors of a company

15/10/1993

Companies House Gazette

Change among directors of a company

03/01/1990

Companies House Gazette

Change among directors of a company

23/05/1989

Companies House Gazette

Change among directors of a company

12/05/1989

Companies House Gazette

Change among directors of a company

06/01/1988

Companies House Gazette

Change among directors of a company

 

 

 

Company Secretary

 

 

Secretary

BHIMA GODHANIA

Service Address

5 DON CLOSE, EDGBASTON, BIRMINGHAM, B15 3PN.

Country of Origin

UNITED KINGDOM

Date of Birth

20/12/1951

Appointment Date

21/03/1991

 

 

 

 

Directors

 

Director

MR SANTOKH SINGH KHERA

Service Address

17 JESSON ROAD, WALSALL, WEST MIDLANDS, WS1 3AY.

Country of Origin

UNITED KINGDOM

Date of Birth

10/06/1948

Appointment Date

21/03/1991

Other Directorships

OPENTHORPE ENGINEERING LIMITED, JAMMIN' (UK) LIMITED, PRIMEGREEN PROPERTIES LIMITED


Director


MICHAEL WILLIAM BALDREY

Service Address

THE WHITE HOUSE, BURCOT, BROMSGROVE, WEST MIDLANDS, B60 1PP.

Country of Origin

UNITED KINGDOM

Date of Birth

13/03/1947

Appointment Date

21/03/1991

Other Directorships

JAMMIN' (UK) LIMITED, HEWELL GRANGE TENNIS COURT CLUB LIMITED


Director


MR PARESH KUMAR MEHTA

Service Address

158 SUTTON ROAD, WALSALL, WEST MIDLANDS, WS5 3AQ.

Country of Origin

UNITED KINGDOM

Date of Birth

04/02/1972

Appointment Date

14/01/2011

 

 

 

Share Capital

 

 

Shares

Ordinary GBP 1.00

Issued Number

222,222

Principal Shareholder

90,000 Santokh Singh Khera

 

70,000 Sukhjinder Singh Khera

 

22,222 Paresh Kumar Mehta

 

20,000 Michael William Baldrey

 

20,000 RaminderKhera

 

The above reflects the principle shareholder(s) by number of shares held, irrespective of share classification type.

 

 

 

 

Financial Data– Statutory Accounts

 

 

 

Profit and Loss

 

 

The following figures are shown in units of 1000

 

Number of Weeks

52

52

52

52

Accounts Date

31/12/2010

31/12/2009

31/12/2008

31/12/2007

Currency

GBP

GBP

GBP

GBP

SALES

188289

162587

182549

109267

UK sales

183423

157985

178701

106698

Export

4866

4602

3848

2569

Wages and Salaries

3503

2962

2428

2471

Directors Emoluments

314

287

313

289

Auditors Fees

21

21

21

18

Non-Audit Fees

11

9

25

8

Trading Profit

2537

2451

3700

2899

Depreciation

1170

1171

1273

1048

OPERATING PROFIT

1367

1280

2427

1851

Interest Payable

837

772

1691

1309

PRE TAX PROFIT

530

508

736

542

Taxation

112

125

277

(325)

PROFIT AFTER TAX

418

383

459

867

Dividends Payable

11

30

 

40

RETAINED PROFITS

407

353

459

827

 

 

Balance Sheet

 

The following figures are shown in units of 1000

 

Number of Weeks

52

52

52

52

Accounts Date

31/12/2010

31/12/2009

31/12/2008

31/12/2007

Currency

GBP

GBP

GBP

GBP

TOTAL FIXED ASSETS

13477

13497

14124

15335

Tangible Assets

13477

13497

14124

15335

Fixed Assets

13472

13492

14104

14923

Intermediate assets

5

5

20

412

TOTAL CURRENT ASSETS

48641

40438

44133

36535

Trade debtors

34274

28839

31200

23189

Stocks

13336

10842

11764

11792

Other Current Assets

1031

757

1169

1554

Misc Current Assets

828

682

911

1389

Cash

203

75

258

165

TOTAL ASSETS

62118

53935

58257

51870

TOTAL CURRENT LIABILITIES

50719

42276

46131

40316

Trade creditors

17419

13198

16003

14869

Short Term Loans

32014

28165

28627

24661

Bank Overdraft

30952

27224

27683

23969

Other Finance

1062

941

944

692

Other Liabilities

1286

913

1501

786

WORKING CAPITAL

(2078)

(1838)

(1998)

(3781)

TOTAL LONG TERM LIABS

3242

3931

4751

4638

Long Term Loans

2609

3261

4101

3997

Bank Loans

1700

1833

1834

2053

Other Finance

909

1428

2267

1944

Other Liabilities

633

670

650

641

NET ASSETS/(LIABILITIES)

8157

7728

7375

6916

SHARE CAPITAL + RESERVES

8157

7728

7375

6916

Share Cap + Sundry Res

232

210

210

210

Issued Share Capital

222

200

200

200

Sundry Reserves

10

10

10

10

Revaluation Reserves

2403

2508

2519

2846

Profit and Loss account

5522

5010

4646

3860

SHAREHOLDERS FUNDS

8157

7728

7375

6916

CAPITAL EMPLOYED

11399

11659

12126

11554

 

 

Financial Comparison

 

The following figures are shown in units of 1000

 

Number of Weeks

52

52

52

52

Accounts Date

31/12/2010

31/12/2009

31/12/2008

31/12/2007

Currency

GBP

GBP

GBP

GBP

Net Cashflow from Oper.

(740)

2468

(2159)

(6847)

Increase in Cash

(2901)

492

(3622)

(10328)

Directors Remuneration

314

287

313

289

Auditors Remuneration

21

21

21

18

Liquid Assets

34477

28914

31458

23354

Net Working Capital

(2078)

(1838)

(1998)

(3781)

Long Term Debt(>12 Months)

2609

3261

4101

3997

Other Deferred Liabs

633

670

650

641

Tangible Net Worth(T.N.W)

8157

7728

7375

6916

Equity

8157

7728

7375

6916

Number of Years Trading

31

30

29

28

Number of Employees

196

165

136

128

Profit per Employee

2704.1

3078.8

5411.8

4234.4

Sales per Employee

960658.2

985375.8

1342272.1

853648.4

 

 

Key Credit Ratios

 

The following figures are shown as Ratios or Percentages

 

Accounts Date

31/12/2010

31/12/2009

31/12/2008

31/12/2007

Current Ratio

1

1

1

0.9

Long Term Debt/T.N.W

0.3

0.4

0.6

0.6

Pre Tax Profit Margin%

0.3

0.3

0.4

0.5

Debtors Days (D.S.O)

66

65

62

77

Creditors Days (D.P.O)

34

30

32

50

Quick Ratio

0.7

0.7

0.7

0.6

Return on Investment%

3.1

3.2

6

5.1

Return on Assets%

0.9

0.9

1.3

1

T.N.W/Total Assets%

13.1

14.3

12.7

13.3

Return on Capital%

4.6

4.4

6.1

4.7

Rtn on Shareholders Funds%

6.5

6.6

10

7.8

Working Capital/Sales%

(1.1)

(1.1)

(1.1)

(3.5)

Borrowing Ratio%

424.5

406.7

443.8

414.4

Equity Gearing%

15.1

16.7

14.5

15.4

Stock Turnover

14.1

15

15.5

9.3

Sales/Fixed Assets

14

12.1

12.9

7.3

Debt Gearing

32

42.2

55.6

57.8

 

 

 

Key Industry Sector Trends

 

 

Year

2010

2009

2008

2007

Sample Size

58

62

63

57

Pre-Tax Profit Margin

(0.2)

4.2

5.3

3.8

Current Ratio

1.8

1.8

1.6

1.9

Borrowing Ratio

754.3

168.3

281.2

76.5

Return on Capital

8.5

11.3

18

14.7

Creditors Days

24

20

21

22

 

Above figures relate to companies in 2003 Standard Industry Classification (Nace) sector : Manufacture of vegetable and animal oils and fats

 

 

 

Financial Summary

 

Auditors Qualification

The Auditors have expressed a clean opinion (i.e. unqualified with no referrals) on the accounts for the period ended 31/12/2010.

 

Turnover

Turnover has increased by 16 %, a growth of GBP 25,702,000 in the period.

 

Operating Profit

Totalled GBP 1,367,000. In the year prior a Profit of GBP 1,280,000 was achieved.

 

Pre Tax Profit

The subject's profit increased by 4 % in the year.

 

Working Capital

The company's working capital deficiency increased in the period and now totals GBP 2,078,000.

 

Net Worth

Net worth has increased by 6 % and now stands at GBP 8,157,000.

 

Fixed Assets

The subject's fixed assets reduced during the year by GBP 20,000 to GBP 13,477,000 and are now 21 % of total assets compared with 25 % in the previous year.

           

Long Term Liabilities 

The company's long term liabilities reduced during the period by 17 % and are now 40 % of net worth compared with 51 % in the previous period.

 

Long Term Liabilities

Long term liabilities are now 5 % of total liabilities compared with 7 % in the previous period.

 

Long Term Liabilities

Long term liabilities are 28 % of capital employed, a decrease of 6 % over the previous period.

 




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

----

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%)

 

 

 

 

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.