MIRA INFORM REPORT

 

 

Report Date :

18.05.2012

 

IDENTIFICATION DETAILS

 

Name :

MERITEX CLOTHING CO. LIMITED

 

 

Registered Office :

9 Andrea Stylianou, Leivadia, 7060, PoBox 40613, Larnaka, Cyprus

 

 

Country :

Cyprus

 

 

Financials (as on) :

31.12.2003

 

 

Date of Incorporation :

03.04.1981

 

 

Com. Reg. No.:

C15453

 

 

Legal Form :

Limited Company

 

 

Line of Business :

Manufacturing process of casual unisex wear, quilts, comforts, blankets, sheets and linens, curtains and other related products

 

 

No. of Employees :

20

 

 

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

(31.12.2011)

Current Rating

(31.03.2012)

Cyprus

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Basic Information

 

 

 

 

 

 

 

Registered Name

MERITEX CLOTHING CO. LIMITED

English Name

MERITEX CLOTHING CO. LIMITED

Registered Address

9 Andrea Stylianou, Leivadia, 7060, PoBox 40613, Larnaka, Cyprus

Headquarters:

9 Andrea Stylianou, Leivadia, 7060, PoBox 40613, Larnaka, Cyprus

Telephone

+35724634286

Fax

+35724633740

E-mail

meritex@cytanet.com.cy

WebSite

http://www.meritexcloth.com

Legal Type

Limited Company

Registration No

C15453

Registration Date

03/04/1981

Start Date

03/04/1981

Years of Operation:

31

Last annual report

31/12/2004

Latest Annual Account Date

01/12/2003

Last return

04/05/2009

Tax Reg No:

VAT: CY10015453J

CINFO ID:

CYC11577465

 

 

 

 

 

 

 

Summary

 

 

 

 

 

Employees

May 2012

 

 

 

Company

 

 

 

 

 

Total Number

20

 

 

 

 

 

 

 

Financial Summary

December 2003

December 2002

 

 

CYP

CYP

 

Revenue Sales

685798.00

658002.00

 

Pre Tax Profit

6319.00

7004.00

 

Working Capital

-33831.00

-56957.00

 

Total Equity

74136.00

70100.00

 

Long Term Debts

38517.00

28476.00

 

Trend

 

 

 

 

 

 

 

 

Payment

 

 

 

 

Assessment:

Average Risk

Payment Habits:

NO COMPLAINTS

A check against all available information sources revealed that no late payment incidents against Subject Company exist.

 

Good for amount and terms of inquiry:

Too high

Its safer to split the amount in several lots.

 

Commercial morality

Moderate

 

 

Financial strength

Unable to comment

Given the fact that no recent detailed financial statements were released to us, we feel unable to express a safe and reliable opinion on their creditability and Financial Strength.

 

 

 

 

 

 

 

 

Business History

 

 

Date

Event Name

Old Value

New Value

15/04/1991

Authorised Capital Increased

30000.00 CYP

40000.00 CYP

15/04/1991

Shares number changed

0

40000

15/04/1991

Paid Up Capital Increased

0.00 CYP

40000.00 CYP

15/04/1991

Nominal number of shares Changed

0

40000

15/04/1991

Nominal Value of Shares Increased

0.00

1.00

04/02/1985

Authorised Capital Increased

10000.00 CYP

30000.00 CYP

16/01/1984

Authorised Capital Increased

5000.00 CYP

10000.00 CYP

03/04/1981

Authorised Capital Decrease

40000.00 CYP

5000.00 CYP

03/04/1981

Paid Up Capital Decreased

1000.00 CYP

0.00 CYP

03/04/1981

Nominal Values of Shares Changed

0.00

0.00

 

 

 

Capital

 

 

Authorized Capital

102,600.00

EUR

Issued Capital

 

 

Nominal No Of Shares

60,000.00

 

Issued No Of Shares

60,000.00

 

Nominal value

1.71

EUR

Paid Up

102,600.00

EUR

 

 

 

 

 

 

 

 

 

 

 

 

Corporate Structure

 

 

Directors

Position

ActsAs

ID

Occupation

Age

Appointed

Other dir.

 

EROTOKRITOU CHRISTOS

 

Director

 

500906(ID)

 

57

03/04/1981

No

Leivadia, Larnaka, Cyprus

Other Directorship:

 

No Information Found

 

 

 

 

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

CHAILIS LAMPROS

 

Director

 

545824(ID)

 

54

30/04/1986

Yes

Leivadia, 7060, Larnaka, Cyprus

Other Directorship:

 

 

 

Name

 

Registration Date

RegNo

Status

Position

Update Date

 

ADELFOI X & L CHAILI & SIA LIMITED

 

16/05/1981

C15643

Registered and operational

Director / Secretary

12/02/2008

 

 

 

 

 

Other Shareholding:

 

 

 

Name

 

Registration Date

RegNo

Status

%

Update Date

 

ADELFOI X & L CHAILI & SIA LIMITED

 

16/05/1981

C15643

Registered and operational

33.335

12/02/2008

 

 

 

 

 

 

 

 

Secretary

Position

ActsAs

ID

Occupation

Age

Appointed

Other dir.

 

 

 

EROTOKRITOU EVA

 

Company Secretary

 

(-)

 

 

03/04/1981

No

 

Leivadia, Larnaka, Cyprus

 

Other Directorship:

 

No Information Found

 

 

 

 

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Shareholders

ID / Reg. No.

ActsAs

Nationality

Shares

%

Shares Breakdown

Class

Type

 

 

 

EROTOKRITOU CHRISTOS

 

500906(ID)

 

CYPRIOT

13000

21.67

-

-

-

 

 

Leivadia, 7060, Larnaka, Cyprus

 

Other Directorship:

 

No Information Found

 

 

 

 

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

 

 

EROTOKRITOU EVA

 

(-)

 

-

11500

19.17

-

-

-

 

 

5 Anexartisias, Leivadia, 7060, Larnaka, Cyprus

 

Other Directorship:

 

No Information Found

 

 

 

 

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

 

 

MATTHAIOU ANDREAS

 

567254(ID)

 

CYPRIOT

10700

17.83

-

-

-

 

 

Leivadia, 7060, Larnaka, Cyprus

 

Other Directorship:

 

No Information Found

 

 

 

 

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

 

 

AFXENTIOU PANAGIOTA

 

 

 

-

10000

16.67

-

-

-

 

 

Leivadia, 7060, Larnaka, Cyprus

 

Other Directorship:

 

No Information Found

 

 

 

 

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

 

 

AFXENTIOU MARIA

 

(-)

 

-

6000

10

-

-

-

 

 

2 Andrea Stylianou, Leivadia, 7060, Larnaka, Cyprus

 

Other Directorship:

 

No Information Found

 

 

 

 

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

 

 

 

 

Operation

 

 

 

 

 

 

Activity Code

Description

NACE 2.1

1392

Manufacture of made-up textile articles, except apparel - This class includes: - manufacture, of made-up articles of any textile material, including of knitted or crocheted fabrics: > blankets, including travelling rugs > bed, table, toilet or kitchen linen > quilts, eiderdowns, cushions, pouffes, pillows, sleeping bags etc. - manufacture of made-up furnishing articles: > curtains, valances, blinds, bedspreads, furniture or machine covers etc. > tarpaulins, tents, camping goods, sails, sunblinds, loose covers for cars, machines or furniture etc. > flags, banners, pennants etc. > dust cloths, dishcloths and similar articles, life jackets, parachutes etc. - This class also includes: - manufacture of the textile part of electric blankets - manufacture of hand-woven tapestries - This class excludes: - manufacture of textile articles for technical use, see 13.96

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Line of Business

The company in question was established in order to get involved in the import (100%) of raw materials and in the manufacturing process of casual unisex wear, quilts, comforts, blankets, sheets and linens, curtains and other related products. Production is divided in 2 categories: bed linen and casual wear In addition the subject exports 5% of its production to United Kingdom.

According to the Mr Christos Erotocritou, company director, interviewed the subject's factory is equipped with the latest technology and the manufacturing division was approved by ISO 9001.

Please note that the subject has 3 vehicles including: 3 vans; which are used in the running of the business.

 

 

 

 

 

 

 

 

 

 

Export to

Percentage

 

 United Kingdom

 

 

 

 

 

 

 

 

 

 

 

Export Terms

Percentage

 

Cash Against Documents

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Import from

Percentage

 

Comments

from Europe and Far East

 

 

 

 

 

 

 

 

 

 

 

 

 

Import Terms

Percentage

 

Open account

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Market Terittory

 

 

 

 

 

 

Local Presence:

90%

International Presence

10%

 

 

 

 

 

 

 

 

 

 

Suppliers - Agencies

 

Company Name

Country

Product

Description

 

Canete

Spain

bed linen cloth

 

 

 

Milair

United Kingdom

textile for casual clothing

 

 

 

 

 

 

 

 

 

 

Premises

 

 

 

 

 

 

 

 

Type

headquarters

 

Address:

9 Andrea Stylianou, Leivadia, 7060, PoBox 40613, Larnaka, Cyprus

 

Headquarters comprise of

Offices, Factory, Warehouse

 

Headquarters are

Owned

 

Size (sq m):

1600

 

 

 

 

 

 

 

 

 

 

Banks

 

MARFIN POPULAR BANK PUBLIC CO LTD

 

39 Archiepiskopou Makariou C' Avenue, 2025, Nicosia, Cyprus

 

Comment:

Reportedly an overdraft facility of 500000Eur is available and utilised.

 

 

 

 

 

 

 

 

 

 

Affiliates and Subsidiares

Relation

Year Reg.

 

Canete

Agency

 

 

 

 

Milair

Agency

 

 

 

 

 

Charges

 

 

 

 

 

 

 

 

No

Date registered

Date prepared

Type

Description/No

Amount

Sequence

Beneficiary

1

04/05/1988

28/04/1988

Floating Charge on all Company's Assets

 

40,000.00 CYP

-

Cyprus Popular Bank Public Co Ltd

2

14/05/1985

22/04/1985

-

FLOATING CHARGE ON THE ISSUED DEPENTURE

20,000.00 CYP

-

Cyprus Popular Bank Public Co Ltd

3

28/01/1984

23/01/1984

-

FLOATING CHARGE ON THE ISSUED DEPENTURE

20,000.00 CYP

-

Cyprus Popular Bank Public Co Ltd

4

28/01/1984

23/01/1984

Fixed Charge on the Company's Machinery and Equipment

 

10,000.00 CYP

-

Cyprus Popular Bank Public Co Ltd

5

02/02/1983

31/01/1983

-

FLOATING CHARGE ON THE ISSUED DEPENTURE

10,000.00 CYP

-

Cyprus Popular Bank Public Co Ltd

6

02/02/1983

31/01/1983

Fixed Charge on the Company's Machinery and Equipment

 

10,000.00 CYP

-

Cyprus Popular Bank Public Co Ltd

 

 

 

 

 

 

 

 

 

Total Number

Total Amount (EUR)

Floating Charge on all Company's Assets

1

68,344.06

-

3

85,430.07

Fixed Charge on the Company's Machinery and Equipment

2

34,172.03

TOTAL CHARGES

6

187,946.16

 

 

 

 

 

 

 

 

 

Negatives

No negative data

 

 

 

Financial Statement

 

 

Corporate financial statement

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance Sheet

December  2003

December  2002

 

 

CYP

CYP

 

 

 

FIXED ASSETS

 

 

 

Property, plant and equipment

143741

152790

 

Available-for-sale financial assets

2743

2743

 

Total fixed assets

146484

155533

 

CURRENT ASSETS

 

 

 

Inventories

105119

122723

 

Debtors

202233

212794

 

Directors Current Accounts

46040

46511

 

Cash and cash equivalents

2854

1904

 

Total current assets

356246

383932

 

Total assets

502730

539465

 

CAPITAL AND RESERVES

 

 

 

Share capital

40000

40000

 

Reserves

34136

30100

 

Total equity

74136

70100

 

LONG-TERM LIABILITIES

 

 

 

Long term debt

38517

28476

 

Total long-term liabilities

38517

28476

 

CURRENT LIABILITIES

 

 

 

Trade and other payables

175889

155012

 

Current income tax liabilities

9337

7557

 

Bank overdraft

180851

254320

 

Current Installments

24000

24000

 

Total Current Liabilities

390077

440889

 

Total liabilities

428594

469365

 

Total equity and liabilities

502730

539465

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Profit/Loss Account

December  2003

December  2002

 

 

CYP

CYP

 

 

 

 

 

 

Sales

685798

658002

 

Cost of goods sold

-605486

-576730

 

Gross profit

80312

81272

 

Other Operating income

13333

7076

 

Administrative expenses

-64914

-53758

 

OPERATING PROFIT/LOSS

28731

34590

 

Finance costs

-22412

-27586

 

Profit/Loss before income tax

6319

7004

 

Income tax expense

-2283

-2601

 

Profit/Loss for the year

4036

4403

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Key Ratios

December  2003

December  2002

 

 

 

 

 

PROFITABILITY RATIOS

Gross Profit margin on sales

0.12

0.12

 

Return on assets (ROA)

0.01

0.01

 

LIQUIDITY RATIOS

Current Ratio

0.91

0.87

 

TURNOVER RATIOS

Sales to Net Working Capital Ratio

-20.27

-11.55

 

Total assets turnover (times)

1.36

1.22

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Financial Estimates

 

 

 

 

 

 

 

 

Interview Date:

16 May 2012

Submitted:

Estimates

Currency

EUR

 

-

 

 

Period

31 Dec 2011

Month Ended

12

Sales were

1500000

 

 

 

 

 

 

 

 

Period

31 Dec 2010

Month Ended

12

Sales were

15000000

 

 

 

 

 

 

 

 

Period

31 Dec 2009

Month Ended

12

Sales were

1100000

 

 

 

 

 

 

 

 

 

 

Additional Information

 

 

 

 

MAIN SOURCES OF INFORMATION - FOR THIS REPORT

i. Visited Official Companies’ Registry

ii. Interview with Company / Correspondence

iii. Desk Research

iv. Search through Internet Subscription Databases (Business Information)

v. Specialized Media Search Global & Local

vi. Search through internet Social Networks

vii. Infocredit Negative Record Database

viii. Relationship/Directorship Search through Infocredit Database

The company in question was established in order to get involved in the import (100%) of raw materials and in the manufacturing process of casual unisexwear, quilts, comforts, blankets, sheets and linens, curtains and other related products. Production is divided in 2 categories: bed linen and casualwear In addition the subject exports 10% of its production to United Kingdom.

We contacted the company in question, where we talked with Mr Christos Erotokritou, company director, who confirmed the above information regarding the subject. However, Mr Erotokritou declined to provide us with the company's latest financialsIn addition, note that the latest financial details are not available at the file of the company at the official companies' registry house; as the law provides for all companies. Further financial details are not available from other public sources.

A check against our records revealed that no negative payment incidents against Subject Company, such as unpaid invoices, dishonored cheques and utility bills, bankruptcies exist etc.

COUNTRY DEVELOPMENTS:

On, 04th of November 2011 published that: Moody's Investors Service has today downgraded Cyprus's government bond ratings to Baa3 from Baa1 and placed the ratings on review for further possible downgrade. The rating agency has also downgraded Cyprus's short-term rating to Prime-3 from Prime-2 and placed it on review for further possible downgrade.The key drivers for today's rating announcement are: 1. The high likelihood that the Cypriot banking system will require state support in 2012 as a result of the large expected write-downs on its exposures to Greek government bonds... 2. The Cypriot government's loss of international market access and the resulting likelihood that the government will need to seek emergency funding from official sources. 3. Cyprus's weaker-than-expected institutional capacity to approve and implement the budgetary and structural changes that are needed to correct the government's rising debt trajectory and improve the longer-term sustainability of its public finances.

On 10th of August 2011 Cyprus mail published that: Fitch cut Cyprus’ credit rating by two notches to BBB on Wednesday due to fiscal slippages, saying the island state was likely to require a bailout to meet its funding needs."The two-notch downgrade of ratings to 'BBB' reflects the actual and anticipated fiscal slippage, compounded by Fitch's expectation that the sovereign will be unable to access the international debt markets in order to refinance an increasing debt maturity profile in H211 and H112," Fitch said in a statement.The other two main rating agencies, Standard and Poor’s and Moody’s, both cut the island's rating at the end of July. Moody's rates Cyprus Baa1, Standard and Poor's BBB-plus. On 19th of August 2011 Financial Mirror News published that: The industrial turnover index for reached 129.8 in May (base 2005=100) according to the Statistical Service, recording an increase of 3.8% compared with May 2010. Industrial production in the same period rose by 1.1%.

For the period January-May 2011, the turnover index recorded an increase of 1.9% over the same period of the previous year. For manufacturing alone, the turnover index for May 2011 reached 121.0, recording an increase of 1,5% compared with May 2010.The price index of construction materials reached 126.11 units (base year 2005=100,00) in July according to the Statistical Service Cystat, recording a marginal increase of 0.02% over the previous month. In the period January - July 2011, the index recorded an increase of 4.13% compared to the same period last year. The biggest increase so far has been in electromechanical products, price of which rose compared with the year earlier by 8.1% in the first seven months of the year. Metallic products rose by 6.9% and minerals rose by 4.3% in the same period. A milder increase of 2.9% was recorded for mineral products, while a decline of 0.4% was recorded for wood, insulation materials, chemicals and plastics. (End of Country Developments).

 

 

 

 

 

Contact Information

 

 

 

 

 

 

Name:

Mr Christos Erotokritou

 

Quality:

company

 

 

 

Title:

director

 

 

 

Confirm general details

 

 

 

 

 

 

 

Recent Enquiries

 

 

Recent Enquiries on this subject

 

 

Last 6 months:

1

 

 

 

 

1

 

 

 

Last 3 months:

 

 

 

 

1

 

 

 

Last 1 month:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.38

UK Pound

1

Rs.86.57

Euro

1

Rs.69.30

 

 

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

--

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%)

 

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