MIRA INFORM REPORT
|
Report Date : |
08.10.2012 |
IDENTIFICATION DETAILS
|
Name : |
COMPESCA SA |
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Registered Office : |
Calle Joaquin Salas (Lg Mercasantader), 6
39011 Santander Cantabria |
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Country : |
Spain |
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Financials (as on) : |
31.03.2011 |
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Date of Incorporation : |
01.01.1970 |
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Legal Form : |
Joint Stock Company |
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Line of Business : |
Wholesale of other foods products |
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No. of Employees : |
43 employees |
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 |
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Status : |
Satisfactory |
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Payment Behaviour : |
No Complaints |
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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 – June 30th, 2012
|
Country Name |
Previous Rating (31.03.2012) |
Current Rating (30.06.2012) |
|
Spain |
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
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Moderate |
B1 |
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High |
B2 |
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Very High |
C1 |
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Restricted |
C2 |
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Off-credit |
D |
spain - ECONOMIC OVERVIEW
spain's mixed capitalist economy is the 13th largest
in the world, and its per capita income roughly matches that of Germany and
France. However, after almost 15 years of above average GDP growth, the Spanish
economy began to slow in late 2007 and entered into a recession in the second
quarter of 2008. GDP contracted by 3.7% in 2009, ending a 16-year growth trend,
and by another 0.1% in 2010, before turning positive in 2011, making Spain the
last major economy to emerge from the global recession. The reversal in
Spain''s economic growth reflected a significant decline in construction amid
an oversupply of housing and falling consumer spending, while exports actually
have begun to grow. Government efforts to boost the economy through stimulus
spending, extended unemployment benefits, and loan guarantees did not prevent a
sharp rise in the unemployment rate, which rose from a low of about 8% in 2007
to over 20% in 2011. The government budget deficit worsened from 3.8% of GDP in
2008 to 9.2% of GDP in 2010, more than three times the euro-zone limit. Madrid
cut the deficit to 8.5% of GDP in 2011, a larger deficit than the 6% target
negotiated between Spain and the EU. Spain''s large budget deficit and poor
economic growth prospects have made it vulnerable to financial contagion from
other highly-indebted euro zone members despite the government''s efforts to
cut spending, privatize industries, and boost competitiveness through labor
market reforms. Spanish banks'' high exposure to the collapsed domestic
construction and real estate market also poses a continued risk for the sector.
The government oversaw a restructuring of the savings bank sector in 2010, and
provided some $15 billion in capital to various institutions. Investors remain
concerned that Madrid may need to bail out more troubled banks. The Bank of
Spain, however, is seeking to boost confidence in the financial sector by
pressuring banks to come clean about their losses and consolidate into stronger
groups.
|
Source : CIA |
Company
name
COMPESCA SA
CIF/NIF: A28249993
Company situation: Active
EXECUTIVE
SUMMARY
Identification
Current Business Name: COMPESCA SA
Commercial name: COMPESCA S.A.
Other names: YES
Current Address: CALLE JOAQUIN SALAS (LG
MERCASANTADER), 6
Branches: 2
Telephone number: 942354422 Fax: 942354423
URL: www.compesca.com
Corporate e-mail: compesca@compesca.com
Financial
Information
Balance sheet latest sales (2011): 31.529.980,72 €
(Own Sources)
Result: 1.187.579,06 €
Total Assets: 14.283.075,41 €
Share capital: 1.501.500,00 €
Employees: 43
Listed on a Stock Exchange: NO
Commercial
Information
Incorporation date: 28/02/1970
Activity: Wholesale of other foods products
NACE 2009 CODE: 4639
International Operations: Imports and Exports
Corporate
Structure
President:
Other
Complementary Information
Latest act published in BORME: 18/03/2011 Appointments
Latest press article: 01/09/2008 CANTABRIA
ECONÓMICA (ENVIRONMENT)
Bank Entities: There are
The date when this report was last updated is 03/10/2012.
The information contained in this report has been investigated and contrasted
on 13/03/2012
Financial
situation
|
Exercise:2011 |
Evolution |
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Treasury |
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Excellent |
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Indebtedness |
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Slight |
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Profitability |
|
Average |
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Balance |
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Excellent |
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|
Performance
|
Incidents |
|
None or Negligible |
|
Business
Trajectory |
|
Excellent |
Rating Explanation
Financial situation
•
The company’s financial situation is good.
•
The company’s financial situation evolution has
been positive.
•
The sales evolution and results has
been positive.
•
The auditor’s opinion about the latest accounts has
been favourable.
Company Structure
•
The company’s capitalization degree determines that
its structure is normal.
•
The company’s size is medium depending
on its sales volume.
•
The employees evolution has been positive.
Performance and Incidences
•
The available information indicates that the
company does not have payment incidences.
•
He have detected no recent legal actions or claims
from the Administration against this company.
Accounts Filing
•
The company files regularly its accounts.
Reasons of the
last outstanding calculation in the note
|
DATE |
CHANGE |
RESULTING NOTE |
EVENT |
|
28/05/2012 |
Equal |
16 |
•
There has been a variation in the affected
parties of the company’s non-payments information. |
|
21/05/2012 |
Equal |
16 |
•
There has been a variation in the affected
parties of the company’s non-payments information. |
|
20/03/2012 |
Increase |
16 |
•
New financial statements have been uploaded. |
|
13/03/2012 |
Reduction |
15 |
•
New information has been loaded on our systems. |
INCIDENTS 
Summary
LEGAL ACTIONS: No legal actions registered
ADMINISTRATIVE CLAIMS: No administrative claims registered
AFFECTED BY:
2 Company / Companies in Insolvency Proceedings.
FINANCIAL
ELEMENTS AND SECTORIAL COMPARATIVE
FINANCIAL ELEMENTS
Figures given in €
|
|
31/03/2011 (12) |
% ASSETS |
31/03/2010 (12) |
% ASSETS |
31/03/2009 (12) |
% ASSETS |
||
|
ASSETS |
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|
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||
|
A) NON CURRENT ASSETS |
2.603.317,66 |
18,23 |
3.095.179,26 |
23,83 |
3.821.520,90 |
25,41 |
||
|
B) CURRENT ASSETS |
11.679.757,75 |
81,77 |
9.894.706,04 |
76,17 |
11.214.960,52 |
74,59 |
||
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LIABILITIES |
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|
|
|
||
|
A) NET WORTH |
8.000.011,80 |
56,01 |
7.232.186,10 |
55,68 |
6.496.503,45 |
43,20 |
||
|
B) NON CURRENT LIABILITIES |
470.204,44 |
3,29 |
648.085,95 |
4,99 |
988.342,21 |
6,57 |
||
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C) CURRENT LIABILITIES |
5.812.859,17 |
40,70 |
5.109.613,25 |
39,34 |
7.551.635,76 |
50,22 |
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Balance Sheet
Comments
Total assets of the company grew in 9,96%
between 2.010 and 2.011.
In spite of the assets’ growth, non current assets
decreased 15,89%.
This growth has been financed, on a wider scale, with a Net Worth
increase of 10,62% and in a smaller proportion with an debt increase
of 9,12%.
Total assets of the company decreased in 13,61%
between 2.009 and 2.010.
This decrease has been greater in non current assets that reduced
in 19,01%.
Assets reduction contrasts with net worth growth
of 11,32%. Therefore, the company’s indebtedness has reduced
in 32,58%.
Profit and loss
account analysis
Figures given in €
|
|
31/03/2011 (12) |
% NET TURNOVER |
31/03/2010 (12) |
% NET TURNOVER |
31/03/2009 (12) |
% NET TURNOVER |
|
SALES |
31.529.980,72 |
|
28.543.595,71 |
|
31.669.764,87 |
|
|
GROSS MARGIN |
8.007.625,34 |
25,40 |
8.007.728,63 |
28,05 |
6.962.871,59 |
21,99 |
|
EBITDA |
2.770.912,57 |
8,79 |
2.924.535,78 |
10,25 |
2.220.798,04 |
7,01 |
|
EBIT |
1.894.569,57 |
6,01 |
1.836.217,55 |
6,43 |
1.401.658,59 |
4,43 |
|
NET RESULT |
1.187.579,06 |
3,77 |
1.111.385,55 |
3,89 |
308.246,71 |
0,97 |
|
EFFECTIVE TAX RATE (%) |
29,91 |
0,00 |
29,33 |
0,00 |
27,76 |
0,00 |
Profit and Loss
Account Comments
The company’s sales figure grew
in 10,46% between 2.010 and 2.011.
The company’s EBIT grew
in 3,18% between 2.010 and 2.011.
This evolution implies a reduction in the company’s economic
profitability .
The result of these variations is a decrease of the company’s Operating
Profitability of 7,97% in the analysed period, being this
profitability of 18,25% in the year 2.011.
The Net Result of the company grew
in 6,86% between 2.010 and 2.011.
The company’s Financial Profitability has been positively affected by
the financial activities in comparison with EBITs behaviour .
The result of these variations is a reduction of the company’s economic
profitability of 7,14% in the analysed period, being equal
to 23,54% in the year 2.011 .
The company’s sales figure decreased
in 9,87% between 2.009 and 2.010.
The company’s EBIT grew
in 31,00% between 2.009 and 2.010.
This evolution implies an increase in the company’s economic
profitability .
The result of these variations is an increase of the company’s Economic
Profitability of 37,61% in the analysed period, being equal
to 19,83% in the year 2.010.
The Net Result of the company grew
in 260,55% between 2.009 and 2.010.
The company’s Financial Profitability has been positively affected by
the financial activities in comparison with EBITs behaviour .
The result of these variations is an increase of the company’s Economic
Profitability of 211,04% in the analysed period, being equal
to 25,35% in the year 2.010 .
COMPARATIVE
SECTOR ANALYSIS
Values table
Figures expressed in %
|
|
COMPANY (2011) |
SECTOR |
DIFFERENCE |
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|
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BALANCE SHEET ANALYSIS: % on the total
assets |
|
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ASSETS |
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A) NON CURRENT ASSETS |
18,23 |
34,17 |
-15,95 |
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|
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A) CURRENT ASSETS |
81,77 |
65,83 |
15,95 |
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LIABILITIES |
|
|
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|
|||
|
A) NET WORTH |
56,01 |
33,24 |
22,77 |
|
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|
|
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B) NON CURRENT LIABILITIES |
3,29 |
15,36 |
-12,07 |
|
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C) CURRENT LIABILITIES |
40,70 |
51,40 |
-10,70 |
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COMPANY (2011) |
SECTOR |
DIFFERENCE |
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PROFIT AND LOSS ACCOUNT ANALYSIS: % on the total
operating income |
|
|
|
|
|
|
|
|
SALES |
99,97 |
97,66 |
2,31 |
|
|
|
|
|
GROSS MARGIN |
25,39 |
20,73 |
4,66 |
|
|
|
|
|
EBITDA |
8,79 |
3,73 |
5,06 |
|
|
|
|
|
EBIT |
6,01 |
2,14 |
3,87 |
|
|
|
|
|
NET RESULT |
3,77 |
1,19 |
2,58 |
|
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|
|
Sector Composition
Compared sector (NACE 2009): 4639
Number of companies: 146
Size (sales figure): 7,000,000.00 - 40,000,000.00 Euros
Comments on the sectorial
comparative
Compared to its sector the assets of the companies show an
inferior proportion of non current assets. Specifically the difference with the
sector average is -15,95%
.
In liabilities composition the company turns to on a wider scale to self
financing, being the proportion of Net Worth of 22,77% major. As a
consequence, external financing sources are less used by the company
( 22,77% less than the sector) .
The proportion that the sales mean to the company’s total ordinary
income is 99,97% , an 2,31% higher than in the sector .
The company’s EBIT was positive and was 6,01% with regard to
the total ordinary income, 3,87% superior to the one of the sector .
The company’s capacity to generate operating income is superior to that of
the sector as its ratio EBIT/Sales is greater. (0,06 in comparison
with 0,02) .
The company’s net result was positive and equal to 3,77% with
regard to the total ordinary income, 2,58% superior to the one of the
sector .
The financial results and the tax impact have had a negative impact on
the net result of the company with a worse behaviour that the one of the sector
.
OTHER DATA FROM
THE ANNUAL FINANCIAL REPORT
Results
Distribution
Source: annual financial report 2011
Figures given in €
|
DISTRIBUTION BASE |
APPLICATION A |
||
|
Profit and Loss Account Balance |
1.187.579,06 |
Legal Reserve |
0,00 |
|
Carry over |
0,00 |
Goodwill reserve |
0,00 |
|
Voluntary reserves |
0,00 |
Special reserves |
0,00 |
|
Other reserves disposable at will |
0,00 |
Voluntary reserves |
992.579,06 |
|
Total of Amounts to be distributed |
1.187.579,06 |
Dividends |
195.000,00 |
|
|
|
Carry over and others |
0,00 |
|
|
|
Compensation of previous exercises losses |
0,00 |
|
|
|
Application total |
1.187.579,06 |
Auditing
Source: filing of annual financial statement 2011
Auditors’ opinion: FAVOURABLE
Auditor: CAMBLOR & JAMESON S.L.
Auditing fees: 10.975,00 €
Facts subsequent
to the closing
Source: Annual financial report 2011
After the closure no relevant facts requiring their inclusion in the
annual accounts have taken place.
company ADDRESSES
Current Legal Seat Address:
CALLE JOAQUIN SALAS (LG MERCASANTADER), 6
39011 SANTANDER CANTABRIA
Previous Seat Address:
LUGAR MERCASANTANDER (BO SAN MARTIN) S/N
39011 SANTANDER
CANTABRIA
Characteristics of
the current address
Type of establishment: store
Owners: rented
Local Situation: main
|
STREET |
POSTAL CODE |
TOWN |
PROVINCE |
|
AVENIDA CAJO, S/N |
39011 |
SANTANDER |
Cantabria |
|
LUGAR MERCASANTANDER, S/N - MDO.S CENTRALES |
39011 |
SANTANDER |
Cantabria |
There are 2 branches registered
CORPORATE
STRUCTURE
ADMINISTRATIVE
LINKS
|
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|
|
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Distribution of the administration board |
|
|
Governing body : 9 members (latest change:
18/03/2011) Other Positions : 3 (latest change: 10/08/2006) Auditor : 1 (latest change: 17/01/2011) Operative Board Members : 2 (latest change: 06/04/2009) Non-current positions : 16 (latest change: 06/11/2009) |
|
|
Main Board
members, Directors and Auditor
Governing body
|
POSITION |
NAME AND SURNAME |
DATE APPOINTMENT |
|
PRESIDENT |
YLLERA SECADES, JAIME |
13/12/2007 |
|
MANAGING DIRECTOR |
SANDI SANCHEZ, FRANCISCO JAVIER |
13/12/2007 |
|
MEMBER OF THE BOARD |
ORTUETA YLLERA, MARTA |
11/12/2009 |
|
MEMBER OF THE BOARD |
FERNANDEZ BERJANO, JOAQUIN |
18/03/2011 |
|
MEMBER OF THE BOARD |
LANUZA ARTIGAS, FERNANDO |
18/03/2011 |
|
|
|
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Auditor
|
POSITION |
NAME AND SURNAME |
DATE APPOINTMENT |
|
AUDITOR |
CAMBLOR & JAMESON SLL |
17/01/2011 |
There are 13 board members, directors and auditors registered
Board members remuneration
Source: Annual
financial report 2011
Board
members remuneration: 306.520,00 €
|
POSITION |
NAME AND SURNAME |
|
General Manager |
FERNANDEZ BERMEJO, JOAQUIN |
|
Commercial Director |
BUSTILLO CANDARILLAS, ALFREDO |
FINANCIAL
LINKS
|
|
BUSINESS NAME |
TAX NUMBER/COUNTRY |
% |
SOURCE |
DATE REP. |
|
|
YLLERA GARCIA LAGO JAIME |
|
25,15 |
OWN SOURCES |
12/03/2012 |
|
|
YLLERA SECADES JAIME |
|
23,00 |
OWN SOURCES |
12/03/2012 |
|
|
TRABAJADORES DE LA EMPRESA COMPESCA |
|
20,16 |
OWN SOURCES |
12/03/2012 |
|
|
SANDI SANCHEZ FRANCISCO JAVIER |
|
9,00 |
OWN SOURCES |
12/03/2012 |
|
|
YLLERA SECADES MARTA |
|
8,04 |
OWN SOURCES |
12/03/2012 |
There are 5 direct financial links through shareholders
registered
BUSINESS
INFORMATION
Incorporation date: 28/02/1970
Establishment date: 01/01/1970
Founder’s Name: LA TITULAR ES LA FUNDADORA INICIAL DEL NEGOCIO
Activity: Wholesale of other foods products
NACE 2009 CODE: 4639
NACE 2009 Activity: Non-specialised wholesale of food, beverages
and tobacco
Business: ELABORACION Y COMERCIALIZACION DE MARISCOS, PESCADOS,
CONGELADOS Y, EN GENERAL, TODO TIPO DE PRODUCTOS RELACIONADOS CON LA
ALIMENTACION.
Activity description: Su actividad concreta es la elaboracion de
pescados y mariscos congelados y frescos.
Latest employees figure: 43 (2012)
% of fixed employees: 100,00%
% of men: 70,27%
% of women: 29,73%
Employees
evolution
|
|
|
|
Source: Annual financial report 2011
|
CATEGORY |
AVERAGE NUMBER OF EMPLOYEES |
MEN |
WOMEN |
|
Distribution by sexes |
|
26 |
11 |
SALES
Exports to: OTROS PAÍSES
Professional and
advertising services
Source: Annual financial report 2011
Professional services expenses: 674.357,26 €
Advertising services expenses: 522.773,33 €
|
ENTITY |
BRANCH |
ADDRESS |
TOWN OR CITY |
PROVINCE |
|
BANCO SANTANDER, S.A. |
5400 |
PS DE PEREDA 9 APDO. 00000 |
SANTANDER |
Cantabria |
|
DEUTSCHE BANK, S.A.E. |
0471 |
PASEO PEREDA, 15 |
SANTANDER |
Cantabria |
|
BARCLAYS BANK, S.A. |
1083 |
CL JUAN DE HERRERA 1 |
SANTANDER |
Cantabria |
There are 3 bank entities registered
Discount facilities: 1
Credit policy: 2
Mortgage loan: 0
Loans with no real security: 0
|
|
|
|
Debt type: Credit policy |
Granted limit:3.150.000,00 € Used limit:618.694,00 € Available limit:2.531.306,00
€ Source: ANNUAL FINANCIAL
REPORTS (2011) |
|
|
|
|
Debt type: Discount
facilities |
Granted limit:3.750.000,00 € Used limit:269.990,00 € Available limit:3.480.010,00
€ Source: ANNUAL FINANCIAL
REPORTS (2011) |
|
|
|
|
Debt type: Credit policy |
Granted limit:12.899.241,00 € Used limit:2.285.536,00
€ Available limit:10.613.705,00
€ Source: ANNUAL FINANCIAL
REPORTS (2011) |
|
|
|
There are 3 bank operations registered
Grants
|
|
|
|
Body-entity: GOBIERNO DE CANTABRIA Grant type: For fixed
assets acquisition Granting year: 1999 |
Nominal amount: 2.683.000,00 € Source: ANNUAL FINANCIAL
REPORTS (2011) |
|
Operation description: Construcción de nueva fábrica y mejoras de
medios de producción. |
|
|
|
|
|
Body-entity: CONSEJERÍA DE GANADERÍA, AGRICULTURA Y PESCA
DEL GOBIERNO DE CANTABRIA Grant type: For fixed assets
acquisition Granting year: 2002 |
Nominal amount: 1.135.500,00 € Source: ANNUAL FINANCIAL
REPORTS (2011) |
|
Operation description: Construcción de nueva cámara frigorífica. |
|
|
|
|
|
Body-entity: CONSEJERÍA DE GANADERÍA, AGRICULTURA Y PESCA DEL
GOBIERNO DE CANTABRIA Grant type: Projects
development or business enlargement or improvement Granting year: 2005 |
Nominal amount: 1.289.000,00 € Source: ANNUAL FINANCIAL
REPORTS (2011) |
|
Operation description: Construcción de cocedero de mariscos. |
|
|
|
|
There are 5 grants registered
Brand name: PELLIZCOS DE MAR (Valid)
Type: JOINT Scope: NATIONAL Date: 06/07/2005
Brand name: SEAPORT (Valid)
Type: JOINT Scope: NATIONAL Date: 16/08/2003
Brand name: C COMPESCA (Valid)
Type: JOINT Scope: NATIONAL Date: 14/07/1994
Brand name: OCEAN CREST (Valid)
Type: DENOMINATIVE Scope: NATIONAL
Date: 14/07/1994
Brand name: COMPESCA PELUDIN (Valid)
Type: JOINT Scope: NATIONAL Date: 27/05/1994
There are 7 brands, signs and commercial names
LEGAL
STRUCTURE
Constitution Data
Register Date: 28/02/1970
Legal form: Joint-stock Company
Share capital: 1.501.500,00 €
Paid-up capital: 1.501.500,00 €
Obligation to fill in Financial Statements: YES
Chamber census: YES (2010)
B.O.R.M.E.
(OFFICIAL GAZETTE OF
THE MERCANTILE REGISTER)
Acts on activity: 0
Acts on administrators: 30 (Last: 18/03/2011, first:
11/04/1991)
Acts on capital: 6 (Last:
03/12/2003, first: 16/09/1993)
Acts on creation: 0
Acts on filed accounts: 22 (Last: 24/01/2011, first:
11/11/1991)
Acts on identification: 1 (Last: 17/08/2000)
Acts on Information: 5 (Last: 17/08/2000, first:
16/09/1993)
Latest acts in
B.O.R.M.E.
Other acts
|
ACT |
DATE |
NOTICE NUM. |
MERCANTILE REGISTER |
|
Appointments |
18/03/2011 |
123290 |
Cantabria |
|
Annual Filed Accounts (2009) |
24/01/2011 |
45067 |
Cantabria |
|
Re-elections |
17/01/2011 |
16071 |
Cantabria |
|
Annual Filed Accounts (2008) |
11/01/2010 |
20918 |
Cantabria |
|
Appointments |
11/12/2009 |
516519 |
Cantabria |
|
Appointments |
06/11/2009 |
465257 |
Cantabria |
|
Resignations |
06/11/2009 |
465257 |
Cantabria |
|
Annual Filed Accounts (2007) |
25/11/2008 |
1116848 |
Cantabria |
|
Appointments |
13/12/2007 |
621763 |
Cantabria |
|
Resignations |
13/12/2007 |
621763 |
Cantabria |
There are 64 acts registered
PRESS
ARTICLES
Press summary by
type of information (last five years)
Legal notices: 0
Structural Data: 0
Informative data: 2 (Last: 01/09/2008, first: 01/08/2007)
Financial Information: 0
Negative information: 0
Business lines: 0
Historical press releases: 6 (Last: 01/08/2005, first:
11/02/1998)
Latest press
article published
01/09/2008 CANTABRIA ECONÓMICA - ENVIRONMENT
TRANSFORMAR, LA AGRUPACION FORMADA POR LAS CONSERVERAS CONSORCIO, LOLIN,
FREDO, LAREDANA, HOYA Y ZUBIETA Y LAS EMPRESAS DE CONGELADO COMPESCA, BARANDICA
Y FROXA, PROMUEVE LA CREACION DE UNA CENTRAL ELECTRICA ALIMENTADA CON BIOGAS
QUE PERMITA A LAS EMPRESAS DESHACERSE DE LOS RESIDUOS ORGANICOS QUE AHORA
GENERAN. TRANSFORMAR BUSCA UN SOCIO TECNOLOGICO PARA SU INICIATIVA, QUE
REQUERIRA UNA INVERSION DE UN MILLON DE EUROS.
01/08/2007 CANTABRIA ECONÓMICA - GENERAL
INFORMATION
LA FIRMA CANTABRA COMPESCA HA RECIBIDO EL CERTIFICADO ISO 22000 Y SE HA
CONVERTIDO EN LA PRIMERA EMPRESA ESPAÑOLA DEL SECTOR AGROALIMENTARIO EN OBTENER
TODOS LOS RECONOCIMIENTOS QUE LA DISTINGUEN POR UN SISTEMA INTEGRADO EN GESTION
DE CALIDAD, MEDIOAMBIENTE Y ALIMENTACION.
There are 8 press articles registered for this company
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.51.62 |
|
UK Pound |
1 |
Rs.83.57 |
|
Euro |
1 |
Rs.67.17 |
INFORMATION DETAILS
|
Report Prepared
by : |
MNL |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.