MIRA INFORM REPORT

 

 

Report Date :

01.06.2012

 

IDENTIFICATION DETAILS

 

Name :

MORGANITE SOUTH AFRICA (PTY)LTD

 

 

Registered Office :

149 South Rand Road, Tulisa Park, Johannesburg 2192

 

 

Country :

South Africa

 

 

Date of Incorporation :

17.06.1942

 

 

Com. Reg. No.:

M1942/015310/07

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Manufacturing of carbon brushes

 

 

No. of Employees :

120

 

 

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

 

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 – March 31st, 2012

 

Country Name

Previous Rating

(31.12.2011)

Current Rating

(31.03.2012)

South Africa

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Company name

 

Subject Name

MORGANITE SOUTH AFRICA (PTY)LTD

Country

SOUTH AFRICA

Enquiry Terms

D/A

Account Review

Every 6 Months

Subject Contact person

Mr WILLEM DE KOCK-FINANCIAL DIRECTOR

 

 

 

Assessment

 

 

 

 

On investigation we made contact with the subject and we were referred to the FINANCIAL DIRECTOR: MR WILLEM DE KOCK. He assisted us with most of the information required however he requested more time to complete the financials on the company.

The subject is meeting all payments within the terms with their suppliers.

We obtained a bank code C for R1 000 000 on the subject.

Please see available information on the subject below.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Company Information

 

Registered Name

MORGANITE SOUTH AFRICA (PTY)LTD

Trading as/ Division Name

MORGANITE SOUTH AFRICA

Previous Name

MORGAN CRUCIBLE COMPANY (PTY)LTD

Date of Name Change

Unavailable

Registration Number

M1942/015310/07

Registration Date

1942/06/17

Date Commenced Trading

1942/06/17

Age of Business

69 Years 11 Months

History of Business

Started out as a new company in 1942 and the subject has had a name change.

History of Principals

6

Shareholders and  % holding

100%Morgan Jarason

Authorised Share Capital

Unavailable

Issued Share Capital

Unavailable

Status

In Business

Operations Assessment

Manufacturing of carbon brushes

Industry/ Customers

Other  major vehicle manufacturing Companies

Export

Yes

Major Industry Code / SICC

35630

Definition of Code

Manufacture of bearings, gears, gearing and driving elements

 

Head Office Physical Address

 

 

149 South Rand Road

Tulisa Park

JOHANNESBURG

2192

Head Office Postal Address

 

 

PO Box 83134

South Hills

2136

Current Tel Number

011 4066 700

Cell number

None

Current Fax Number

011 6238 172

Current Email Address

rhoda.maccorilo@morganplc.com

Web Site Address

www.morganite.com

 

 

Auditors Information

 

Company Registered Name

KPMG INC

Trading Name

KPMG

Registration Number

1992/000107/07

Physical Address

85 Empire Road

Parktown

JOHANNESBURG

Postal Address

Private Bag X9

Parkview

2122

Contact Person

COLLIN SELIMAND

Contact Number

011 647 7111

Email

Unavailable

Principals

1

Judgements Against Subject

None

Judgements Against Principals

None

Subject Verified as Client

Yes

SAICA number

900133

VAT Number

4530188665

Tax Number

9323270844

BEE Status

Level 2

Financial Year End

August

Years With Auditors

20

Website

www.kpmg.co.za

 

Previous Auditors

Company Name

Phone Number

Time with previous auditors

Price water house coopers inc

 

 

 

Tax Information

 

Vat Number

44700105109

Status

Active

Vat Liable Date

End of Every Months

Tax Number

9075202714

Tax Clearance Expire Date

Unavailable

Financial Year End

December 31

 

 

Black Economic Empowerment

 

Status

Active

Score

Level 5

Expire Date

06/12/2012

BEE Certificate Available

No

 

 

ISO Status

 

Type of ISO Grade

None

ISO Certificate

 

ISO Certificate Available

 

Certified by an Accredited Agent

 

 

 

Workman’s compensation

 

Registered

Yes

Compliance Certified

Yes

 

 

Company Structure

 

Subsidiaries

 

Subsidiary Company

Unavailable

Shareholding

 

Registration Number

 

Import / Export

 

 

Number of Employees

120

1.       Salaried employees

50

2.       Waged employees

70

3.       Permanent employees

120

4.       Casual employees

 

5.       Contracted employees

 

 



Company Fleet

No of vehicles:

Owned/ Leased

Value

Outstanding Balance

Fleet Operations

 

 

 

 

The Fleet is made up of

 

1.       Cars

1

Owned

-

-

2.       Light Delivery Vehicles

6

Owned

-

-

3.       Trailers

 

 

 

 

4.       Busses

 

 

 

 

5.       Trucks

 

 

 

 

6.       Fork Lifts

 

 

 

 

7.       Other

 

 

 

 

 

Offices

 


Head Office Owned/ Rented

Owned

Rental Company

 

Owned by

MORGANITE (SA)(PTY

Value

 

Bond

 

Bank

 

Lease Agreement

 

Lease Expire Date

 

Type of Premises

Factory and Offices

 


Branches Names

Country

Province

MORGANITE (SA)(PTY)

SOUTH AFRICA

PRETORIA

MORGANITE (SA)(PTY)

SOUTH AFRICA

DURBAN

MORGANITE (SA)(PTY)

SOUTH AFRICA

CAPE TOWN

MORGANITE (SA)(PTY)

SOUTH AFRICA

WELKOM

 


Branches Owned/ Rented

OWNED

Rental Company

 

Owned

MORGANITE SOUTH AFRICA (PTY) LTD

Value

 

Bank

 

Bond

 

Lease Agreement

 

Lease Expire Date

 

Type of Premises

SALES HOUSES

 

 

Management Overview

 

Organisation chart

Level

Position

Name

Unavailable

 

 

 

 

 

 

Company Structure (Ownership)

Note: One level up and all levels down

Holding

Company

Sub

Unavailable

 

 

 

 

 

 

 

Trade References

 

Key deals signed within the past 12 months.

 

Company

Value

Contact

Unavailable

 

 

 

 

 

 

Trade Reference nr

Supplier

Contact

Surety Value

Notarial Bonds

1

EXPRESS TOOLS

011 811 2987

 

 

2

HANNAWAYS

011 811 2987

 

 

3

SANDVICK

011 8795400

 

 

 

Trade References Detail

Nr

Age of Acc

Credit Limit

Max Credit

Terms

Average Purchases

Terms Taken

Comment

1

17 Years

Open

R 300 000

30 Days

R 100 000 – R 200 000

30 Days

Excellent

2

3 Years

R 1 000 000

R 600 000

30 Days

R 460 000

30 Days

Good

3

8 Years

R 50 000

Unavailable

30 Days

R 15 000 – R 25 000

30 Days

Good

 

 

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

ALBERTON

Bank Account Number

51390027254

Type of Account

Current

Account Name

MORGANITE (SA)(PTY)LTD

Overdraft Facilities

Yes

Date Opened

Unavailable

Bank Code

C

Bank Comment

 

The subject’s bankers consider them good for all business normal engagements.

 

 

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

CURRENT ASSETS

Unavailable

Stock

 

Debtors

 

FIXED ASSETS

 

Plant, Equipment, Vehicles

 

Property

 

CURRENT LIABILITIES

 

Creditors

 

Loans/ From?

 

LONG TERM LIABILITIES

 

Morgage Bonds

 

Previous Year Turnover

 

Estimated Current Year Turnover

 

Current Turnover per month

 

Current Turnover per annum

 

 

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

6

Average Age of Active Principals

47

 

Active Principals

Principal 1 of 6: DUNCAN STUART ELDRIDGE

Surname

ELDRIDGE

First Name

DUCAN STUART

Other Names

None

Marital Status

Unavailable

ID Number

6508210000000

Verified ID Number

No

Current Age

47

Designation

CEO

Status

Active

Appointment Date

2008/05/15

Physical Address (at time of Appointment)

55-57 High Street

Winsor

Berkshire

UNITED KINGDOM

Postal Address

 

55-57 High Street

Winsor

Berkshire

UNITED KINGDOM

Current Tel Number

Unavailable

Cell number

Unavailable

Current Fax Number

Unavailable

Current Email Address

Unavailable

Shareholding

Unavailable

 

Adverse Information for :DUNCAN STUART ELDRIDGE

 

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for:DUNCAN STUART ELDRIDGE

 

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

MORGANITE SOUTH AFRICA

(PTY)LTD

M1942/015310/07

In Business

69 Years 11 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 :DUNCAN STUART ELDRIDGE

 

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 6: GERT DE KOCK

Surname

DE KOCK

First Name

GERT

Other Names

None

Marital Status

Unavailable

ID Number

6809245005085

Verified ID Number

No

Current Age

44

Designation

Unavailable

 

Status

Active

Appointment Date

2006/08/31

Physical Address (at time of Appointment)

35 King Arthur

Katode Street

Roodeport

1724

Postal Address

 

PO Box 83134

SOUTH HILLS

2136

Current Tel Number

0112960247

Cell number

0824534015

Current Fax Number

Unavailable

Current Email Address

Unavailable

Shareholding

Unavailable

 

Adverse Information for :GERT DE KOCK

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for :GERT DE KOCK

 

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

MORGANITE INDUSTRIAL

CARBON (PTY)LTD

1970/001004/07

In Business

42 Years 4 Months

0

No

GARDRITE LATEX (PTY)LTD

1983/009786/07

In Business

28 Years 8 Months

0

No

REFRALLOY CARBON (PTY)LTD

1984/000302/07

In Business

28 Years 4 Months

0

No

CUMAR RESISTANT MATERIALS

(PTY)LTD

1995/001243/07

In Business

17 Years 3 Months

0

No

MORGANITE SOUTH AFRICA

(PTY)LTD

M1942/015310/07

In Business

69 Years 11 Months

0

No

 

Previous Business Interests

Average Age of Previous Business Interests

39 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

NYAKASA NORTH

MANUFACTURING (PTY)LTD

1973/002348/07

Deregistration Final

39 Years 3 Months

0

No

 

Deeds Information

 

Property Interestsfor :GERT DE KOCK

 

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 1 of 3: NEIL HOYLAND

Surname

HOYLAND

First Name

NIEL

Other Names

None

Marital Status

Active

ID Number

5807065233101

Verified ID Number

Yes

Current Age

54

Designation

Director

Status

Active

Appointment Date

2006/08/30

Physical Address (at time of Appointment)

46 Bowling Road

Bedfordview

2007

Postal Address

 

PO Box 83134

SOUTH HILLS

2136

Current Tel Number

0114551592

Cell number

0823334331

Current Fax Number

Unavailable

Current Email Address

Unavailable

Shareholding

Unavailable

 

 

Adverse Information for :NEIL HOYLAND

 

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for :NEIL HOYLAND

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

MORGANITE INDUSTRIAL

CARBON (PTY)LTD

1970/001004/07

In Business

42 Years 4

Months

0

No

GARDRITE LATEX (PTY)LTD

1983/009786/07

In Business

28 Years 8

Months

0

No

REFRALLOY CARBON (PTY)LTD

1984/000302/07

In Business

28 Years 8

Months

0

No

CUMAR RESISTANT MATERIALS

(PTY)LTD

1995/001243/07

In Business

17 Years 3 Months

0

No

MORGANITE SOUTH AFRICA

(PTY)LTD

M1942/015310/07

In Business

69 Years 11 Months

0

No

 

Previous Business Interests

Average Age of Previous Business Interests

17 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

NYAKASA NORTH

MANUFACTURING (PTY)LTD

1973/002348/07

Deregistration Final

39 Years 3 Months

0

No

BASF COATINGS PMB (PTY)LTD

1973/002348/07

Deregistration Final

13 Years 11 Months

0

No

CONDERE INVESTMENTS 134

CC

2000/035754/23

Deregistration Final

11 Years 10 Months

0

No

NUTMEG TRADING CC

2001/081593/23

Deregistration Final

10 Years 6 Months

0

No

BASF COATINGS (PTY)LTD

M1998/007475/07

In Business

14 Years 1 Months

0

No

 

Deeds Information

 

Property Interestsfor :NEIL HOYLAND

 

Title Deed No.

T44245/2006

Erf/Site No.

 

Deeds Office

JOHANNESBURG

Physical Address

46 BOWLING BEDFORDVIEW

GERMISTON

Property Type

Freehold / Ervin

Extent / Size

1999.0SQM

Purchase Date

2006-04-22

Purchase price

R 3 600 000

% Ownership

 

Bond Holder

STANDARD BANK OF SOUTH AFRICA

Bond Number

B630252006

Bond Amount

 

 

Principal 4 of 6:  KGALEME BOGOPA

Surname

BOGOPA

First Name

KGALEME

Other Names

None

Marital Status

Unavailable

ID Number

4805055709081

Verified ID Number

Yes

Current Age

64 Years

Designation

Director

Status

Active

Appointment Date

2006/05/15

Physical Address (at time of Appointment)

10 Lloyd Street

Birchleigh North

 

Postal Address

 

Po Box 17571

Norkempark

0000

Current Tel Number

0113081111

Cell number

0737502680

Current Fax Number

None

Current Email Address

None

Shareholding

None

 

Adverse Information for : KGALEME BOGOPA

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for : KGALEME BOGOPA

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

G S K SECURITY CC

2000/072606/23

In Business

11 Years 5 Months

0

No

METSANA INVESTMENT

HOLDINGS (PTY)LTD

2005/021302/07

In Business

6 Years 11 Months

0

No

MORGANITE SOUTH AFRICA

(PTY)LTD

M1942/015310/07

In Business

69 Years 11 Months

0

No

STROCAM PROJECTS (PTY)LTD

M1942/015310/07

In Business

11 Years 8 Months

1

No

 

Previous Business Interests

Average Age of Previous Business Interests

11 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

HOUSING INSTITUTIONS

DEVELOPMENT FUND

1998/007935/08

Voluntary Liquidation

14 Years 1

Months

0

Yes

SEBOOA INVESTMENT

HOLDINGS (PTY)LTD

1998/013385/07

Deregistration Final

13 Years 10

Months

0

No

AFRICAN NATION TOURS AND

TRAVEL (PTY)LTD

1998/015328/07

Deregistration Final

13 Years 9

Months

0

No

INSTITUTE OF BUSINESS

ADVISORS

2001/016996/08

In Business

10 Years 10 Months

0

No

UMUSA MONETARY PLATFORM (PTY)LTD

2002/024696/07

Deregistration Final

9 Years 7 Months

0

No

 

Deeds Information

 

Property Interestsfor : KGALEME BOGOPA

 

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 5 of 6: MICHAEL DE MENDONCA

Surname

DE MENDONCA

First Name

MICHAEL

Other Names

None

Marital Status

Unavailable

ID Number

6712315065080

Verified ID Number

Yes

Current Age

46

Designation

Director

Status

Active

Appointment Date

2005/10/06

Physical Address (at time of Appointment)

10 Tuscany

Victor Whitmill Drive

SUNWARD PARK

BENONI

1459

Postal Address

 

PO Box 857

SPRINGS

1560

Current Tel Number

011 815 6820

Cell number

082 453 5279

Current Fax Number

Unavailable

Current Email Address

Unavailable

Shareholding

Unavailable

 

Adverse Information for :MICHAEL DE MENDONCA

 

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for :MICHAEL DE MENDONCA

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

MORGANITE SOUTH AFRICA

(PTY)LTD

M1942/015310/07

In Business

69 Years 11 Months

0

No

THERMAL CERAMICS SOUTH

AFRICA (PTY)LTD

M1975/002765/07

In Business

36 Years 9 Months

0

No

 

Previous Business Interests

Average Age of Previous Business Interests

23 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

POTGIETERSRUS DIESEL

CENTRE CC

1988/026515/23

Deregistration Final

23 Years 8 Months

0

No

 

Deeds Information

 

Property Interestsfor :MICHAEL DE MENDONCA

 

Title Deed No.

T65591/2004

Erf/Site No.

 

Deeds Office

JOHANNESBURG

Physical Address

SUNWARD PARK BOKSBURG

Property Type

Freehold / Ervin

Extent / Size

778.0SQM

Purchase Date

2004-06-21

Purchase price

R 344 540,00

% Ownership

 

Bond Holder

NEDBANK LTD

Bond Number

B657492004

Bond Amount

R 1 500 000,00

 

Title Deed No.

ST30049/2009

Erf/Site No.

1285,0

Deeds Office

JOHANNESBURG

Physical Address

BARDENE BOKSBURG

Property Type

Sectional Title / Unit

Extent / Size

73.0SQM

Purchase Date

2009-05-21

Purchase price

R 469 000,00

% Ownership

 

Bond Holder

 

Bond Number

 

Bond Amount

 

 

Title Deed No.

ST12352/2010

Erf/Site No.

1247,0

Deeds Office

JOHANNESBURG

Physical Address

2 KLIMOP VAN DYKPARK BOKSBURG

Property Type

Sectional Title / Unit

Extent / Size

114.0SQM

Purchase Date

2009-11-30

Purchase price

R 550 000,00

% Ownership

 

Bond Holder

NEDBANK LTD

Bond Number

SB93262010

Bond Amount

R 550 000,00

 

Principal 6 of 6: DAVID SCHROENN

Surname

SCHROENN

First Name

DAVID

Other Names

None

Marital Status

Unavailable

ID Number

4311055024084

Verified ID Number

Yes

Current Age

69

Designation

Director

Status

Active

Appointment Date

1983/04/05

Physical Address (at time of Appointment)

105 Curzon Road

Bryanston

Transvaal

2194

Postal Address

 

PO Box 83134

SOUTH HILLS

2136

Current Tel Number

0114634972

Cell number

0824535280

Current Fax Number

Unavailable

Current Email Address

Unavailable

Shareholding

Unavailable

Adverse Information for :DAVID SCHROENN

Judgement

Number of Judgements

None

 

Debt Review

Debt review

None

 

Other

Default data

None

 

Business Information for :DAVID SCHROENN

Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

MORGANITE INDUSTRIAL

CARBON (PTY)LTD

1970/001004/07

In Business

42 Years 4 Months

0

No

GARDRITE LATEX (PTY)LTD

1983/009786/07

In Business

28 Years 4 Months

0

No

REFRALLOY CARBON (PTY)LTD

1984/000302/07

In Business

17 Years 3 Months

0

No

CUMAR RESISTANT MATERIALS

(PTY)LTD

1995/001243/07

In Business

69 Years 11 Months

0

No

MORGANITE SOUTH AFRICA

(PTY)LTD

M1942/015310/07

In Business

52 Years 2 Months

0

No

 

Previous Business Interests

Average Age of Previous Business Interests

43 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

INDUSTRIAL CARBON AND

GRAPHITE COMPANY (PTY)LTD

1960/001316/07

Dissolved

52 Years 1 Months

0

No

SWIMRITE PROPERTIES

(PTY)LTD

1963/007195/07

Voluntary Liquidation

48 Years 5 Months

0

No

PLUM MANUFACTURING

COMPANY (PTY)LTD

1966/011327/07

Dissolved

45 Years 6 Months

0

No

NYAKASA NORTH

MANUFACTURING (PTY)LTD

1973/002348/07

Deregistration Final

39 Years 3 Months

0

No

GARD-RITE PROPERTIES

(PTY)LTD

1980/007129/07

Deregistration Final

31 Years 9 Months

0

No

 

Deeds Information

 

Property Interestsfor :DAVID SCHROENN

 

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

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.56.42

UK Pound

1

Rs.87.37

Euro

1

Rs.69.95

 

 

INFORMATION DETAILS

 

Report Prepared by :

PDT

 

 

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.