MIRA INFORM REPORT

 

 

Report Date :

27.06.2012

 

IDENTIFICATION DETAILS

 

Name :

INTERNATIONAL ITALMARMI DI NICASTRO ROBERTO E C. S.R.L.

 

 

Registered Office :

Madonna Del Golfo,14 

54100 – Massa (MS)

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2010

 

 

Date of Incorporation :

27.071981

 

 

Com. Reg. No.:

MS010-3602 of since 19/02/1996

 

 

Legal Form :

Limited liability company

 

 

Line of Business :

Cutting and carving of stone and marble

 

 

No. of Employees :

6 to 10

 

RATING & COMMENTS

 

MIRA’s Rating :

Be

 

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)

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

 

International Italmarmi di Nicastro Roberto e C. s.r.l.

 

 

Madonna Del Golfo,14 

54100 – Massa (MS) -IT-

 

 

Summary

 

Fiscal Code

:

00373790450

Legal Form

:

Limited liability company

start of Activities

:

27/07/1981

Equity

:

500.000

Turnover Range

:

2.000.000/2.250.000

Number of Employees

:

fom 6 to 10

 

 

Activity

 

Cutting and carving of stone and marble

Wholesale of other building materials

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 00373790450

 

Foreign Trade Reg. no. : MS003362 since 10/01/1992

 

Foreign Trade Reg. no. : 3362 of since 10/01/1992

 

Chamber of Commerce no. : 76026 of since 27/07/1981

 

Firms' Register : MS010-3602 of since 19/02/1996

 

V.A.T. Code : 00373790450

 

R. E. C. no. : 9738 of

 

Tribunal Co. Register : 3602 of since 02/01/1985

 

Foundation date

: 27/07/1981

Establishment date

: 06/12/1984

Start of Activities

: 27/07/1981

Legal duration

: 31/12/2050

Nominal Capital

: 35.700

 

Subscribed Capital

: 35.700

 

Paid up Capital

: 35.700

 

 

Members

 

 

Johns

Rebecca

 

 

 

Born in Helston

( )

on 20/01/1950

- Fiscal Code : JHNRCC50A60Z114Y

 

 

 

Residence:

 

Dei Fichi

, 22

- 54100

Massa

(MS)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

 

 

 

Managing Director

03/11/2003

 

 

 

 

No Prejudicial events are reported

 

 

No Protests registered

 

Companies connected to members *

 

*checkings have been performed on a national scale.

In this module the companies in which members hold/held positions are listed.

 

The Members of the subject firm are not reported to be Members in other companies.

 


Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Nicastro Roberto

Massa - IT -

NCSRRT49M27E715M

21.420 .Eur

60,00

Nicastro Roberto

Massa - IT -

NCSRRT49M27L833R

21.420 .Eur

60,00

Johns Rebecca

Massa - IT -

JHNRCC50A60Z114Y

14.280 .Eur

40,00

 

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

Internazionale Marmi E Macchine - Carrar a S.p.a.

Carrara - IT -

00207170457

18 .Eur

 

 

 

Active

M.g.l. - Marmi Graniti Lavorati - S.r.l.

Ortonovo - IT -

00112300116

10.649 .Eur

31,78

 

 

Active


Firm's location and structure

 

In order to carry out its activities the firm uses the following locations:

 

-

Sede legale e di attivita'

 

 

 

 

 

 

Via

Madonna Del Golfo

, 14

- 54100

- Massa

(MS)

- IT -

 

 

 

 

TELEX

: 623516

 

 

 

 

TELEFONO

: 0585254355

 

 

 

 

Employees

: 4

 

 

 

 

Assistants

: 2

 

Fittings and Equipment for a value of 49.000

Eur

 

Stocks for a value of 580.000

Eur

 

 

The firm operates abroad as exporter..

Export represents more than 50% of the global turnover.

Products abroad are placed by :

- direct orders from foreign companies

 

Export is mainly towards:

- France

 

- Hungary

 

- Bulgaria

 

 

Historical Information and/or Firm's Status

 

CHANGES TO THE LEGAL FORM:

 

Former legal form

New legal form

Changement Date

De facto company

Limited partnership

18/12/1981

Limited partnership

Limited liability company

06/12/1984

 

EX-MEMBERS / EX-POSITIONS:

 

 

Nicastro

Roberto

 

 

 

Born in Viareggio

(LU)

on 27/08/1949

- Fiscal Code : NCSRRT49M27L833R

 

 

 

Residence:

 

Dei Fichi

, 22

- 54100

Massa

(MS)

- IT -

 

Ex-Postions

Chairman

Managing Director

 

 

Zoppi

Mimmo

 

 

 

Ex-Postions

Buying Director

 

CEASINGS/INCORPORATIONS/MERGES

 

 

Splitting-up and setting-up of a new company

 

 

 

Date Splitting-up

: 30/10/2000

 

 

Splitting-up project and setting-up of new co

 

 

 

Date

Merging/Splitting-up Project-New Company:

08/02/2000

 


Protests

 

Protests checking on the subject firm has given a negative result.

 

Data Base Prejudicial Events Search

 

Search performed on a National Scale

 

 

 

Prejudicial Events Search Result: NEGATIVE

 

Search performed on a specialized data base.

 

Legal Procedures

 

 

None reported, standing to the latest received edition of the Official Publications.

 


Financial and Economical Analysis

 

The subject has been operating for many years. At present it does

not show financial difficulties.

As regards liquid means, subject is able to face the necessary

management requirements.

Current financial attitude is normal and allows regular settlements.

No irregularities are registered.

No notable criticism is expressed by common suppliers at to the

firm's business conduct which is said to be honest enough.

It suffered a loss in 2010.

Business volume is falling in the last financial year.

 

Financial Data

 

 

 

Complete balance-sheet for the year

31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

2.071.929

Profit (Loss) for the period

-1.473

 

 

 

Complete balance-sheet for the year

31/12/2009

(in Eur

x 1)

 

Item Type

Value

Sales

2.182.594

Profit (Loss) for the period

41.049

 

 

 

Complete balance-sheet for the year

31/12/2008

(in Eur

x 1)

 

Item Type

Value

Sales

3.054.151

Profit (Loss) for the period

49.349

 

 

 

Complete balance-sheet for the year

31/12/2007

(in Eur

x 1)

 

Item Type

Value

Sales

4.398.700

Profit (Loss) for the period

58.932

 

 

 

Complete balance-sheet for the year

31/12/2006

(in Eur

x 1)

 

Item Type

Value

Sales

5.067.104

Profit (Loss) for the period

103.656

 

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: - Amounts x 1

 

- Balance Sheet as at 31/12/2009 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2008 - 12 Mesi - Currency: - Amounts x 1

 


 

Years

2010

2009

2008

BALANCE SHEET ACCOUNTS

 

ASSETS

 

 

 

CREDITS VS PARTNERS

 

 

 

. Deposits not yet withdrawn

 

 

 

. Deposits already withdrawn

 

 

 

Total credits vs partners

 

 

 

FIXED ASSETS

 

 

 

. INTANGIBLE FIXED ASSETS

 

 

 

. . Start-up and expansion expenses

 

 

 

. . Research,develop. and advert.expens.

 

 

 

. . Industrial patent rights

 

 

 

. . Concessions,licenses,trademarks,etc.

 

 

 

. . Goodwill

 

 

 

. . Assets in formation and advance paymen.

 

 

 

. . Other intangible fixed assets

 

 

 

. Total Intangible Fixed Assets

5.524

4.281

13.507

. TANGIBLE FIXED ASSETS

 

 

 

. . Real estate

 

 

 

. . Plant and machinery

 

 

 

. . Industrial and commercial equipment

 

 

 

. . Other assets

 

 

 

. . Assets under construction and advances

 

 

 

. Total Tangible fixed assets

48.837

56.188

55.218

. FINANCIAL FIXED ASSETS

 

 

 

. . Equity investments

 

 

 

. . . Equity invest. in subsidiary companies

 

 

 

. . . Equity invest. in associated companies

 

 

 

. . . Equity invest. in holding companies

 

 

 

. . . Equity invest. in other companies

 

 

 

. . Financial receivables

259

259

259

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

259

 

 

. . . Receivab due from subsidiaries

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from assoc.comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from holding comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from third parties

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Other securities

 

 

 

. . Own shares

 

 

 

. . . Total nominal value

 

 

 

. Total financial fixed assets

259

259

259

Total fixed assets

54.620

60.728

68.984

CURRENT ASSETS

 

 

 

. INVENTORIES

 

 

 

. . Raw materials and other consumables

 

 

 

. . Work in progress and semimanufactured

 

 

 

. . Work in progress on order

 

 

 

. . Finished goods

 

 

 

. . Advance payments

 

 

 

. Total Inventories

576.881

837.601

1.200.639

. CREDITS NOT HELD AS FIXED ASSETS

 

 

 

. . Within 12 months

365.776

410.188

583.192

. . Beyond 12 months

 

 

 

. . Trade receivables

314.463

 

 

. . . . Within 12 months

314.463

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from subsid. comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from assoc. comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from holding comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Fiscal Receivables

51.313

 

 

. . . . Within 12 months

51.313

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables for anticipated taxes

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from third parties

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. Total Credits not held as fixed assets

365.776

410.188

583.192

. FINANCIAL ASSETS

 

 

 

. . Equity invest. in subsidiary comp.

 

 

 

. . Equity invest. in associated companies

 

 

 

. . Equity invest. in holding companies

 

 

 

. . Other equity investments

 

 

 

. . Own shares

 

 

 

. . . Total nominale value

 

 

 

. . Other securities

 

 

 

. Total Financial Assets

 

 

 

. LIQUID FUNDS

 

 

 

. . Bank and post office deposits

 

 

 

. . Checks

 

 

 

. . Banknotes and coins

 

 

 

. Total Liquid funds

104.368

220.273

146.394

Total current assets

1.047.025

1.468.062

1.930.225

ADJUSTMENT ACCOUNTS

 

 

 

. Discount on loans

 

 

 

. Other adjustment accounts

 

 

1.923

Total adjustments accounts

 

 

1.923

TOTAL ASSETS

1.101.645

1.528.790

2.001.132

 

 

 

 

LIABILITIES

 

 

 

STOCKHOLDERS' EQUITY

 

 

 

. Capital stock

35.700

35.700

35.700

. Additional paid-in capital

 

 

 

. Revaluation reserves

34.641

34.641

34.641

. Legal reserve

12.244

12.244

12.244

. Reserve for Own shares

 

 

 

. Statute reserves

 

 

 

. Other reserves

417.484

626.433

777.086

. Accumulated Profits (Losses)

 

 

 

. Profit( loss) of the year

-1.473

41.049

49.349

. Advances on dividends

 

 

 

. Partial loss of the year Coverage

 

 

 

Total Stockholders'Equity

498.596

750.067

909.020

RESERVES FOR RISKS AND CHARGES

 

 

 

. . Reserve for employee termination indem.

 

 

 

. . Taxation fund, also differed

 

 

 

. . Other funds

 

 

 

Total Reserves for Risks and Charges

256.817

256.817

256.817

Employee termination indemnities

68.584

71.855

72.633

ACCOUNTS PAYABLE

 

 

 

. . . . Within 12 months

271.913

444.483

755.211

. . . . Beyond 12 months

 

 

 

. . Bonds

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Convertible bonds repayable

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to shareholders for financing

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to banks

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to other providers of finance

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Advances from customers

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Trade payables

233.760

 

 

. . . . Within 12 months

233.760

 

 

. . . . Beyond 12 months

 

 

 

. . Securities issued

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to subsidiary companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to associated companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to holding companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to the tax authorities

22.927

 

 

. . . . Within 12 months

22.927

 

 

. . . . Beyond 12 months

 

 

 

. . Due to social security and welfare inst.

6.995

 

 

. . . . Within 12 months

6.995

 

 

. . . . Beyond 12 months

 

 

 

. . Other payables

8.231

 

 

. . . . Within 12 months

8.231

 

 

. . . . Beyond 12 months

 

 

 

Total accounts payable

271.913

444.483

755.211

ADJUSTMENT ACCOUNTS

 

 

 

. Agio on loans

 

 

 

. Other adjustment accounts

5.735

5.568

7.451

Total adjustment accounts

5.735

5.568

7.451

TOTAL LIABILITIES

1.101.645

1.528.790

2.001.132

 

 

 

 

 

 

MEMORANDUM ACCOUNTS

 

Third party goods

 

 

 

Investment accounts

 

 

 

Risk accounts

 

 

 

Civil and fiscal norms relation

 

 

 

 

 

 

 

 

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

 

 

 

. Revenues from sales and services

2.071.929

2.182.594

3.054.151

. Changes in work in progress

 

 

 

. Changes in semi-manufact. products

 

 

 

. Capitalization of internal work

 

 

 

. Other income and revenues

5.248

15.064

6.626

. . Contributions for operating expenses

 

 

 

. . Different income and revenues

5.248

15.064

6.626

Total value of production

2.077.177

2.197.658

3.060.777

PRODUCTION COSTS

 

 

 

. Raw material,other materials and consum.

1.024.082

943.391

1.270.971

. Services received

441.191

 

 

. Leases and rentals

124.568

567.120

905.960

. Payroll and related costs

169.077

172.112

230.468

. . Wages and salaries

123.287

125.397

169.626

. . Social security contributions

35.844

36.296

48.207

. . Employee termination indemnities

9.946

10.419

12.635

. . Pension and similar

 

 

 

. . Other costs

 

 

 

. Amortization and depreciation

13.545

30.025

35.985

. . Amortization of intangible fixed assets

4.190

9.226

15.474

. . Amortization of tangible fixed assets

9.355

20.799

20.511

. . Depreciation of tangible fixed assets

 

 

 

. . Writedown of current receiv.and of liquid

 

 

 

. Changes in raw materials

256.020

367.738

336.842

. Provisions to risk reserves

 

 

 

. Other provisions

 

 

 

. Other operating costs

32.869

43.562

38.310

Total production costs

2.061.352

2.123.948

2.818.536

Diff. between value and cost of product.

15.825

73.710

242.241

FINANCIAL INCOME AND EXPENSE

 

 

 

. Income from equity investments

 

 

 

. . In subsidiary companies

 

 

 

. . In associated companies

 

 

 

. . In other companies

 

 

 

. Other financial income

3.045

1.463

4.703

. . Financ.income from receivables

 

 

 

. . . Towards subsidiary companies

 

 

 

. . . Towards associated companies

 

 

 

. . . Towards holding companies

 

 

 

. . . Towards other companies

 

 

 

. . Financ.income from secur. t.f.assets

 

 

 

. . Financ.income from secur. cur.assets

 

 

 

. . Financ.income other than the above

 

1.463

4.703

. . . - Subsidiary companies

 

 

 

. . . - Associated companies

 

 

 

. . . - Holding companies

 

 

 

. . . - Other companies

 

1.463

4.703

. Interest and other financial expense

-2.501

-15.407

-149.575

. . Towards subsidiary companies

 

 

 

. . Towards associated companies

 

 

 

. . Towards holding companies

 

 

 

. . Towards other companies

 

15.407

149.575

Total financial income and expense

544

-13.944

-144.872

ADJUSTMENTS TO FINANCIAL ASSETS

 

 

 

. Revaluations

 

 

 

. . Of equity investments

 

 

 

. . Of financ.fixed assets not repres.E.I.

 

 

 

. . Of securities incl.among current assets

 

 

 

. Devaluation

 

 

 

. . Of equity investments

 

 

 

. . Of financial fixed assets (no equity inv)

 

 

 

. . Of securities included among current ass

 

 

 

Total adjustments to financial assets

 

 

 

EXTRAORDINARY INCOME AND EXPENSE

 

 

 

. Extraordinary income

1

13.014

5.559

. . Gains on disposals

 

 

 

. . Other extraordinary income

1

13.014

5.559

. Extraordinary expense

 

 

-478

. . Losses on disposals

 

 

 

. . Taxes relating to prior years

 

 

 

. . Other extraordinary expense

 

 

-478

Total extraordinary income and expense

1

13.014

5.081

Results before income taxes

16.370

72.780

102.450

. Taxes on current income

17.843

31.731

53.101

. . current taxes

17.843

31.731

53.101

. . differed taxes(anticip.)

 

 

 

. Net income for the period

-1.473

41.049

49.349

. Adjustments in tax regulations pursuance

 

 

 

. Provisions in tax regulations pursuance

 

 

 

. Profit (loss) of the year

-1.473

41.049

49.349

 

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

0,05

0,04

0,03

0,29

Elasticity Ratio

Units

0,95

0,96

0,96

0,69

Availability of stock

Units

0,52

0,55

0,60

0,23

Total Liquidity Ratio

Units

0,43

0,41

0,36

0,41

Quick Ratio

Units

0,09

0,14

0,07

0,01

COMPOSITION ON SOURCE

 

 

 

 

 

Net Short-term indebtedness

Units

0,34

0,30

0,67

1,78

Self Financing Ratio

Units

0,45

0,49

0,45

0,27

Capital protection Ratio

Units

0,93

0,90

0,91

0,69

Liabilities consolidation quotient

Units

0,25

0,16

0,10

0,23

Financing

Units

0,55

0,59

0,83

2,41

Permanent Indebtedness Ratio

Units

0,51

0,54

0,49

0,46

M/L term Debts Ratio

Units

0,06

0,05

0,04

0,13

Net Financial Indebtedness Ratio

Units

0,00

n.c.

n.c.

0,98

CORRELATION

 

 

 

 

 

Fixed assets ratio

Units

10,38

13,53

14,23

1,51

Current ratio

Units

3,85

3,30

2,56

1,20

Acid Test Ratio-Liquidity Ratio

Units

1,73

1,42

0,97

0,75

Structure's primary quotient

Units

9,13

12,35

13,18

0,83

Treasury's primary quotient

Units

0,38

0,50

0,19

0,02

Rate of indebtedness ( Leverage )

%

220,95

203,82

220,14

366,48

Current Capital ( net )

Value

775.111

1.023.579

1.175.014

233.017

RETURN

 

 

 

 

 

Return on Sales

%

0,58

3,26

2,79

3,37

Return on Equity - Net- ( R.O.E. )

%

-0,30

5,47

5,43

3,34

Return on Equity - Gross - ( R.O.E. )

%

3,28

9,70

11,27

11,22

Return on Investment ( R.O.I. )

%

1,44

4,82

12,11

4,00

Return/ Sales

%

0,76

3,38

7,93

4,88

Extra Management revenues/charges incid.

%

-9,31

55,69

20,37

19,82

Cash Flow

Value

12.072

71.074

85.334

65.183

Operating Profit

Value

15.825

73.710

242.241

108.595

Gross Operating Margin

Value

29.370

103.735

278.226

167.146

MANAGEMENT

 

 

 

 

 

Credits to clients average term

Days

54,64

n.c.

n.c.

131,41

Debts to suppliers average term

Days

52,93

n.c.

n.c.

111,40

Average stock waiting period

Days

100,23

138,16

141,52

96,30

Rate of capital employed return ( Turnover )

Units

1,88

1,43

1,53

0,84

Rate of stock return

Units

3,59

2,61

2,54

3,72

Labour cost incidence

%

8,16

7,89

7,55

14,94

Net financial revenues/ charges incidence

%

0,03

-0,64

-4,74

-2,29

Labour cost on purchasing expenses

%

8,20

8,10

8,18

14,35

Short-term financing charges

%

0,92

3,47

19,81

3,61

Capital on hand

%

53,17

70,04

65,52

118,11

Sales pro employee

Value

414.385

436.518

436.307

209.056

Labour cost pro employee

Value

33.815

34.422

32.924

33.287

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.57.07

UK Pound

1

Rs.88.96

Euro

1

Rs.71.40

 

 

INFORMATION DETAILS

 

Report Prepared by :

PRL

 

 

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.