MIRA INFORM REPORT

 

 

Report Date :

05.05.2012

 

IDENTIFICATION DETAILS

 

Name :

SONIATEX TRADING SDN. BHD.

 

 

Registered Office :

No. 27, Persiaran Bayan Indah Bayan Bay, Sungai Nibong Bayan Lepas Pulau Pinang 11900

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2010

 

 

Date of Incorporation :

30.08.2000

 

 

Com. Reg. No.:

525026-M

 

 

Legal Form :

Private Company Limited By Shares

 

 

Line of Business :

Import, wholesale and retail of textile and related products.

 

 

No. of Employees :

12 employees

 

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 – March 31st, 2012

 

Country Name

Previous Rating

(31.12.2011)

Current Rating

(31.03.2012)

Malaysia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


IDENTIFICATION DETAILS

 

Verified Address

Subject name :              SONIATEX TRADING SDN. BHD.

Business address :                    No. 27, Persiaran Bayan Indah

Bayan Bay, Sungai Nibong

Town :                                       Bayan Lepas

Province :                                  Pulau Pinang

Zip/postal code :                        11900

Country :                                   Malaysia

Tel :                                          +60 4 6441715

Fax :                                         +60 4 6441714

Email :                          soniatex@ymail.com

 

Registered address :                  No. 27, Persiaran Bayan Indah

Bayan Bay, Sungai Nibong

Town :                                       Bayan Lepas

Province :                                  Pulau Pinang

Zip/postal code :                        11900

Country :                                   Malaysia

 

SUMMARY DETAILS

 

Executive Summary

Date founded or registered :        30/08/2000

Legal form :                               Private Company Limited By Shares

Chief executive :                        Sunita Sethi

Issued & paid up capital :           MYR 1,005,831

Sales turnover :              MYR 9,881,229 (Non-consolidated 12 months, 31/12/2010)

Net income :                              MYR 408,727 (Non-consolidated 12 months, 31/12/2010)

Total fixed assets :                     MYR 8,080,569 (Non-consolidated 12 months, 31/12/2010)

Line of business :                       Import, wholesale and retail of textile and related products.

Staff employed :                         12 employees

 

CREDIT RISK OPINION

 

Company Analysis

Country risk :                             Country risk is minimal

Operation trend :                        Operational trend is declining

Management experience :           Management is reasonably experienced

Financial performance :              Financial performance is fair

Organization structure :              Organizational structure is stable

Detrimental :                  No detrimental records found

Payment history :                      No payment delays noted

STATUTORY DETAILS

 

Registry Data

Registration date :          30/08/2000

Legal form :                   Private Company Limited By Shares

Registration no              525026-M

Registered authority :     Companies Commission of Malaysia

Registry status :            Live/Active

Previous name :             None reported.

Change of legal form :     None reported.

 

MANAGEMENT / DIRECTORS

 

Key Management

Name :                          Sunita Sethi

Designation :                 Managing Director

 

Name :                          Sonia A/P Dharam Veer

Designation :                 Financial Manager

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

Name :                          Sunita Sethi

Designation :                 Director

Identification no :            580215-71-5104

Appointment date :         30/08/00

Address :                      29 Jalan Pantai Jerjak 5

Sungai Nibong

11900 Bayan Lepas

Pulau Pinang

Malaysia

 

Name :                          Navin Kumar A/L Dharam Veer

Designation :                 Director

Identification no :            820806-07-5487

Appointment date :         01/03/04

Address :                      29 Jalan Pantai Jerjak 5

Sungai Nibong

11900 Bayan Lepas

Pulau Pinang

Malaysia

 

Name :                          Manoj Kumar A/L Dharam Veer

Designation :                 Director

Identification no :            850111-07-5461

Appointment date :         01/03/04

Address :                      29 Jalan Pantai Jerjak 5

Sungai Nibong

11900 Bayan Lepas

Pulau Pinang

Malaysia

 

Name :                          Sonia A/P Dharam Veer

Designation :                 Director

Identification no :            860706-35-5744

Appointment date :         25/01/10

Address :                      29 Jalan Pantai Jerjak 5

Sungai Nibong

11900 Bayan Lepas

Pulau Pinang

Malaysia

 

Name :                          Rajan A/L Periathamby

Designation :                 Company Secretary

Identification no :            551231-02-5709

Appointment date :         08/05/06

Address :                      No.1 Taman Pondok Labu

09000 Kulim

Kedah Darul Aman

Malaysia

Staff employed :             12 employees

 

Key Advisors

Auditors :                      STEPHEN & CO

4th Floor, Bangunan Lip Sin

2-4-1B, Lebuh Pekaka Satu

Sungai Dua

11700 Gelugor

Pulau Pinang

Malaysia

 

SHARE CAPITAL

 

Composition

Authorized Capital :        MYR 5,000,000

No of shares :                5,000,000 Ordinary Shares

Share par value :            MYR 1

Issued capital :              MYR 1,005,831

Paid up capital :             MYR 1,005,831


OWNERSHIP / SHAREHOLDERS

 

How listed : Full List

 

Composition

Shareholder name :        Sunita Sethi

Address :                      29 Jalan Pantai Jerjak 5

Sungai Nibong

11900 Bayan Lepas

Pulau Pinang

Malaysia

No. of shares :               402,333 Ordinary Shares

 

Shareholder name :        Navin Kumar A/L Dharam Veer

Address :                      29 Jalan Pantai Jerjak 5

Sungai Nibong

11900 Bayan Lepas

Pulau Pinang

Malaysia

No. of shares :               201,166 Ordinary Shares

 

Shareholder name :        Manoj Kumar A/L Dharam Veer

Address :                      29 Jalan Pantai Jerjak 5

Sungai Nibong

11900 Bayan Lepas

Pulau Pinang

Malaysia

No. of shares :               201,166 Ordinary Shares

 

Shareholder name :        Sonia A/P Dharam Veer

Address :                      29 Jalan Pantai Jerjak 5

Sungai Nibong

11900 Bayan Lepas

Pulau Pinang

Malaysia

No. of shares :               201,166 Ordinary Shares

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

Structure

Related companies and corporate

affiliations comments :                None reported.


BANK & MORTGAGES

 

Bank Details

Name of bank :              CIMB Bank Berhad

Address :                      Malaysia

Account details :            Current Account

Comments :                  It is generally not the policy of local banks to provide credit status information to

non related parties, however interested parties would be advised to consult first

with the Subject if banker's references are required.

 

Mortgages :                   Total of Charge : 800,000.00

Date of Creation : 23-04-2002

Name of Chargee : BUMIPUTRA COMMERCE BANK BERHAD

Charge Status : UNSATISFIED

 

Total of Charge : 500,000.00

Date of Creation : 25-04-2003

Name of Chargee : BUMIPUTRA COMMERCE BANK BERHAD

Charge Status : UNSATISFIED

 

Total of Charge : 1,000,000.00

Date of Creation : 12-05-2004

Name of Chargee : BUMIPUTRA COMMERCE BANK BERHAD

Charge Status : UNSATISFIED

 

Total of Charge : 1,700,000.00

Date of Creation : 09-10-2006

Name of Chargee : SOUTHERN BANK BERHAD

Charge Status : UNSATISFIED

 

Total of Charge : OPEN CHARGE

Date of Creation : 18-04-2008

Name of Chargee : CIMB BANK BERHAD

Charge Status : FULLY SATISFIED

 

Legal Fillings

Bankruptcy fillings :        None reported.

Court judgements :         None reported.

Tax liens :                     None reported.

Others :                        None reported.

 

FINANCIAL DATA

 

Description

Source of financial statement :    Commercial Registry Filings

Financial statement date :          31/12/10

Type of accounts :                     Full audited

Currency :                                 Malaysia, Ringgit (MYR)

Exchange rate : 1 USD =            MYR 3.04 as of 04-05-2012

 

Summarized Financial Information

Consolidation type :                               Non Consolidated                       Non Consolidated

Currency :                                             Malaysia, Ringgit (MYR)             Malaysia, Ringgit (MYR)

Denomination :                                      (x1) One                                    (x1) One

Date of financial year end :                      31/12/10                                    31/12/09

Length of accounts :                               12 months                                 12 months

Sale turnover / Income :              9,881,229                                  11,126,739

Profit before tax :                                   402,882                                     282,258

Net income :                                          408,727                                     178,250

Non current assets :                               3,464,700                                  4,577,493

Current assets :                                     4,615,869                                  5,473,071

Total assets :                                        8,080,569                                 10,050,564

Current liabilities :                                  4,999,307                                  6,965,436

Non current liabilities :                            1,540,246                                  1,952,839

Total liabilities :                                      6,539,553                                  8,918,275

Share equity :                                        1,541,016                                  1,132,289

Retained earning :                                  1,041,016                                  632,289

 

OPERATION DETAILS

 

Main activities :              The Subject is engaged in import, wholesale and retail of textile and related products.

Product & services :       Textile: Polyster fabric, cotton based fabric, pure korean and chinese silk

and plain dyed siffon

 

Purchases

International : India, China, South Korea

 

Sales

Local : Yes

International : No exports.

Property & Assets

Premises : The Subject operates from premises located at the verified heading

address consisting of administrative office and warehouse.

Branches : None reported.

 

SUMMARIZED COUNTRY RISK

 

Gross Domestic Products (GDP) & Economic Overview

 

Central bank :                                        Central Bank of Malaysia

Reserve of foreign exchange & gold :       US$ 135.8 billion as of 13 April 2012

Gross domestic product - GDP :             US$ 247.781 billion

GPP (Purchasing power parity) :             US$ 442.01 billion of International dollar

GDP per capita - current prices :             US$ 8,624

 

GDP - composition by sector :                agriculture: 9.4%

industry: 40.9%

services: 49.7%

 

Inflation :                                               2008: 5.4%

2009: 0.6%

2010: 1.7%

 

Unemployment rate :                              2008: 3.3%

2009: 3.6%

2010: 3.3%

Public debt

(General Government gross debt as

a % GDP):                                            2008: 42.8%

2009: 55.4%

2010: 54.2%

 

Government bond ratings :                      Standard & Poor's: A-/Stable/A-2

Moody's rating: A3

Moody's outlook: STA

Market value of publicly traded

shares:                                                             US$420 billion

Largest companies in the country :          CIMB Group Holdings (Banking), Sime Darby (Conglomerates), Public

Bank (Banking), Maybank (Banking), Tenaga Nasional(Utilities), Petronas Chemicals, Maxis Berhad

 

Trade & Competitiveness Overview

Total exports :                           US$210.3 billion

Exports commodities :               electronic equipment, petroleum and liquefied natural gas, wood and wood

products, palm oil, rubber, textiles, chemicals

Total imports :                           US$156.2 billion

Imports commodities :                electronics, machinery, petroleum products, plastics, vehicles, iron and

steel products, chemicals

Export - major partners :             US 15.6%, Singapore 14.6%, Japan 9.1%, China 8.8%, Thailand 5%, Hong

Kong 4.6%

Import - major partners :             Japan 13%, China 12.9%, Singapore 11.5%, US 10.8%, Taiwan 5.7%,

Thailand 5.3%, South Korea 4.9%, Germany 4.6%, Indonesia 4.2%

 

FDI Inflows :                              2007: US$8,538 million

2008: US$7,318 million

2009: US$1,381 million

 

FDI Outflows :                            2007: US$11,280 million

2008: US$14,988 million

2009: US$8,038 million

Best countries for doing business : 21 out of 183 countries

Global competitiveness ranking : 26 (ranking by country on a basis of 133, the first is the best)

 

Country and Population Overview

Total population :           28.23 million

Total area :                    329,847 km2

Capital :            Kuala Lumpur

Currency :         Malaysia Ringgits (MYR)

Internet users as % of total

population:        57.61%

 

PAYMENT HISTORY

 

Purchase Term

International : Credit 60 days, Prepayment, D/P

 

Sales Term

Local : Credit 30-120 days, Prepayment, D/P

 

Trade Reference/ Payment

Behaviour

Comments : As local and international trade references were not supplied, the Subject's

payment track record history cannot be appropriately determined but based

on our research, payments are believed to be met without delay.

Investigation Note

Sources            : Interviews and material provided by the Subject

: Other official and local business sources


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.53.72

UK Pound

1

Rs.86.98

Euro

1

Rs.70.64

 

 

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.