MIRA INFORM REPORT

 

 

Report Date :

18.10.2012

 

IDENTIFICATION DETAILS

 

Name :

SAPEC-AGRO SA

 

 

Registered Office :

Avenida Do Rio Tejo, Herdade Das Praias - Apartado 11, Setubal Setubal, Postal Code 2910-Setubal, Setubal

 

 

Country :

Portugal

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

21.12.1988

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturer of pesticides and other agrochemicals

 

 

No. of Employees :

188 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

 

Status :

Good

Payment Behaviour :

Regular

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)

Portugal

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

portugal - ECONOMIC OVERVIEW

 

Portugal has become a diversified and increasingly service-based economy since joining the European Community - the EU's predecessor - in 1986. Over the past two decades, successive governments have privatized many state-controlled firms and liberalized key areas of the economy, including the financial and telecommunications sectors. The country qualified for the Economic and Monetary Union (EMU) in 1998 and began circulating the euro on 1 January 2002 along with 11 other EU members. The economy had grown by more than the EU average for much of the 1990s, but fell back in 2001-08, and contracted 2.5% in 2009, before growing 1.3% in 2010. But GDP fell again in 2011, as the government implemented austerity measures, including a 5% public salary cut, a 2% increase in the value-added tax, and an extraordinary tax on yearend bonuses to comply with conditions of an EU-IMF financial rescue package agreed to in May 2011. GDP per capita stands at roughly two-thirds of the EU-27 average. A rigid labor market has been an obstacle to greater productivity and growth. Portugal also has been increasingly overshadowed by lower-cost producers in Central Europe and Asia as a destination for foreign direct investment. Portugal's low competitiveness, low growth prospects, and high levels of public debt have made it vulnerable to bond market turbulence. The government reduced the budget deficit from 10.1% of GDP in 2009 to 4.5% in 2011, an achievement made possible only by the extraordinary revenues obtained from the one-time transfer of bank pension funds to the social security system. Investors, however, continue to express concern about the government's ability to achieve future budget deficit targets and obtain foreign financing to cover its sovereign debt obligations when the EU-IMF financing program expires in 2013. Without the option for stimulus measures, the government is focusing instead on boosting exports and implementing labor market and other structural reforms to try to raise GDP growth and increase Portugal's competitiveness - which, over time, may help mitigate investor concerns.

           

 

Source : CIA

 

 


Identification

 

 

Name

SAPEC-AGRO SA

 

 

 

 

V.A.T. Number / NIF

503463060

Address

Avenida do Rio Tejo, Herdade das Praias - Apartado 11

 

 

Locality

Setubal

Postal Code

2910-SETUBAL

Municipality

SETUBAL

District

SETUBAL

Telephone

265710100

 

 

Fax

265710105

 

 

E-Mail

mtorres@agro.sapec.pt  / jmartins@agro.sapec.pt

 

 

Web Site

www.sapecagro.pt

 

 

 

 

 

 

C.A.E.(Rev 3)

20200- Manufacture of pesticides and other agrochemicals

 

 

 

 

All the amounts are express in Euros, otherwise you will be advised

 

 

 

Summary

 

 

Legal Form

Joint Stock Company

 

 

Constitution

21-12-1988

V.A.T. Number / NIF

503463060

Employees

188

Capital

9.494.670,00

Sales in : 31-12-2011

88.587.647,00

Shareholders Funds in: 31-12-2011

29.286.202,00

Condition

Very Good

Tendency

Increasing

Financing

Guaranteed

Payments

Good

Actual Condition

In activity

 

 

-

 

Governing Bodies

 

 

Board of Director's

ERIC JOSE GHISLAIN MARIE JOSEPH VAN INNIS

Delegate Administrator

EDUARDO DE ALMEIDA CATROGA

Board of Director's President

ANTOINE JEAN MARIE JOSEPH VELGE

Administrator

ANTONIO MANUEL RODRIGUES MARQUES

Administrator

JOAO MANUEL RIBEIRO CALCADA ESTRELA

Administrator

NUNO GUILHERME LIBERATO LOUREIRO

Administrator

 

Fiscal Board

PRICEWATERHOUSECOOPERS & ASSOCIADOS-SOCIEDADE DE REVISORES OFICIAIS DE CONTAS LDA

Unique Fiscal

ANTONIO ALBERTO HENRIQUES ASSIS

Fiscal Board Substitute

 

Chair of General Meeting

JOSE PEDRO DANTAS AZEVEDO PERDIGAO

Chair of General Meeting President

MANUEL ANTONIO ANTUNES TORRES

Chair of General Meeting Secretary

 

 

Banks and Financial Institutions

 

 

BANCO SANTANDER TOTTA SA

5 de Outubro - Setúbal

BANCO ESPIRITO SANTO, SA

Setúbal

CAIXA GERAL DE DEPOSITOS, SA

Setúbal

MILLENNIUM BCP

Setúbal

FORTIS BANK - SUCURSAL EM PORTUGAL

Sede

 

 

Historical

 

 

Registered on the Register Record Office of Setubal with the Register Number 503463060 in 11-05-2007

Constitution celebrated in 21-12-1988 published on Diário da República number 16 of 19-01-1989

To oblige the company it is necessary 2 signature

 

 

Changes to Society

 

 

In 22-11-2011 on Portal MJ of 05-12-2011 business change

In 17-10-2011 on Portal MJ of 20-12-2011 board of director's change

In 14-10-2011 on Portal MJ of 22-11-2011 board of director's change

In 12-07-2010 on Portal MJ of 26-01-2011 board of director's change

In 09-07-2010 on Portal MJ of 26-01-2011 board of director's change

 

Capital

 

 

The Capital is 9.494.670,00

 

 

with the following shareholders

 

SAPEC PORTUGAL-SGPS SA

9.494.670,00

100%

 

 

Shareholders / Partners Companies

 

 

 

 Number

18494

NAME

SAPEC PORTUGAL-SGPS SA

Function

Shareholder

Address

Alameda dos Oceanos - Edifício Smart, Lote 1.06.1.1-4º A/B - Parque das Nações

Locality

LISBOA

Telephone

213222777

Fax

213222778

C.A.E.

64202-Actividades das sociedades gestoras de participações sociais não financeiras

 

 

Vehicles

 

 

Trade Mark

Quantity

License Number

Uma frota de

62

 

 

 

Insurance

 

 

Company

Império Bonança Companhia de Seguros SA

Tranquilidade Seguros SA

 


Special Information

 

 

Event

General Description

Quality Certification

A titular é uma empresa certificada pelas normas NP EN ISO 9001:2008, NP EN ISO 14001:2004, OHSAS 18001:2007/ NP 4397:2008 e NP 4457:2007.

 

 

Activities

 

 

Line of Business

Percentage

Produção e/ou comercialização de fertilizantes e produtos agroquímicos seja qual for o seu tipo e o processo de fabrico, biocidas, medicamentos, nutrientes e produtos para uso veterinário, podendo ainda produzir e/ou comercializar outros factores de produção e serviços ligados à agricultura, quer directamente, quer através de empresas afiliadas ou subsidiárias.

100%

 

 

Type of Clients

Private Companies/Public

 

 

Sales Conditions

Cash/credit

 

 

Sales Area

 

 

 

Country

80%

Foreign

20%

Imports from

AUSTRIA,ALEMANHA,BELGICA,ESPANHA,FRANÇA,IRAQUE,ITALIA,NORUEGA,TUNISIA

 

 

Exports

20%

to

ALEMANHA,CHINA, REPUBLICA POPULAR,EGIPTO,EQUADOR,ESPANHA,FRANÇA,ITALIA,MARROCOS,PERU,TAILANDIA

 


Trade Marks

 

 

Sapec

 

 

Employees

 

 

Total

188

                                        

 

Head Office and Installations

 

 

Had installations Avenida dos Combatentes da Grande Guerra, 31-1º Dto., Beja, 7800, BEJA

Had installations Rua do Bom Jesus, 9-2 Sub/Loja em Santa Luzia, Funchal, 9000, FUNCHAL

Had installations Rua de Mértola, 25 , Beja, 7800, BEJA

Installations Alameda dos Oceanos, lote 1.06.1.1 - 4º, LISBOA, 1990-207, LISBOA, Tel:213222731, Fax:213222735

Head office and installations owned Avenida do Rio Tejo, Herdade das Praias - Apartado 11, Setubal, 2910, SETUBAL, Tel:265710100, Fax:265710105

Had installations Rua Sá da Bandeira, 746-1º Dto., PORTO, 4000-432, PORTO

Had installations Sitio das Pedreiras, Beja, 7800, BEJA

Had installations Avenida da Estação - Lugar da Ribeira, Santarem, SANTAREM

Had head office Rua Victor Cordon, 19 , Lisboa, 1200, LISBOA

 

 

Incidents

 

 

Legal Actions

 

Date

Process

Author

Type

Amount

Judicial District

Court

Situation

26-03-2012

270/12.1TTSTB

Marco António Margarido Lopes

Acção de Processo Comum

4.914,00

Setúbal - Tribunal do Trabalho

 

 

26-03-2012

271/12.0TTSTB

João Carlos Rocha Rodrigues

Acção de Processo Comum

4.914,00

Setúbal - Tribunal do Trabalho

 

 

06-05-2010

427/10.0TTSTB

José Nicolau Nunes Miranda

Acção de Processo Comum

944,40

Setúbal - Tribunal do Trabalho

 

 

 

 

 

Business Concept

 

 

Consulted sources say that the subject has been settling its payments and commercial commitments and is well respected in the market, so credit connections with this company are recommended.

 

 

Participations

 

 

The subject participates on the following company(ies)

 

 Number

319965

NAME

ORERO/SAPEC AGRO LDA

Address

HERDADE DAS PRAIAS-SADO

Locality

Setubal

C.A.E.

01252- Culture of other fruit on trees and shrubs

Capital

299.278,74

Participation

50%

 

 Number

88544

NAME

SAPEC AGRO-ESPANA SA

Address

Avenida de Colou, 1 - Badajoz

Locality

Espanha

Capital

114.324,48

Participation

100%

 

 Number

88522

NAME

SELECTIS-PRODUTOS PARA A AGRICULTURA SA

Address

Herdade das Praias, Apartado 120 - E.C. Bonfim

Locality

Setubal

Telephone

265710351

Fax

265710355

E-Mail

geral@selectis.pt

Web Site

www.selectis.pt

C.A.E.

20200- Manufacture of pesticides and other agrochemicals

Capital

99.759,58

Participation

100%

 

 

Financial Demonstration SNC

 

Balance Sheet SNC

CoinEURO

 

Date31-12-2011

 

 

Closing Date

31-12-2011

31-12-2010

31-12-2009

Variação (%)

 

 

 

ASSET

 

 

 

 

 

Non-current assets

 

Tangible fixed assets

14.021.508,00

15.061.655,00

15.445.717,00

(6,91)

Goodwill

3.916.352,00

3.916.352,00

3.916.352,00

 

Intangible assets

20.093.332,00

14.636.837,00

10.824.477,00

37,28

Financial participations - patrimonial equity method

4.633.865,00

3.862.218,00

3.440.637,00

19,98

Financial participations - other methods

7.500,00

7.500,00

 

 

Deferred tax assets

76.170,00

76.170,00

73.712,00

 

Total

42.748.727,00

37.560.732,00

33.700.895,00

13,81

 

 

 

 

 

Current assets

 

 

Inventories

26.900.370,00

29.617.500,00

25.928.551,00

(9,17)

Costumers

22.274.865,00

23.440.521,00

15.504.855,00

(4,97)

State and other public entities

1.066.739,00

736.993,00

568.570,00

44,74

Other accounts receivable

1.399.028,00

2.227.747,00

1.636.970,00

(37,20)

Deferrals

299.024,00

196.282,00

181.592,00

52,34

Other financial assets

266.068,00

 

53.851,00

 

Cashier and bank deposits

2.708.257,00

792.384,00

112.191,00

241,79

Total

54.914.351,00

57.011.427,00

43.986.580,00

(3,68)

TOTAL ASSET

97.663.078,00

94.572.159,00

77.687.475,00

3,27

 

 

 

 

 

SHAREHOLDERS FUNDS AND LIABILITIES

 

 

 

 

 

 

 

SHAREHOLDERS FUNDS

 

 

Capital

9.494.670,00

9.494.670,00

9.494.670,00

 

Emission premiuns

116.840,00

116.840,00

116.840,00

 

Legal reserves

993.026,00

867.106,00

762.242,00

14,52

Net retained

12.104.858,00

10.133.988,00

8.064.880,00

19,45

Adjustments on financial assets

(31.287,00)

(452.868,00)

364.661,00

(93,09)

Revaluation surplus

2.632.202,00

2.632.202,00

2.633.564,00

 

Other shareholders funds changes

87.234,00

92.169,00

99.953,00

(5,35)

Total

25.397.543,00

22.884.107,00

21.536.810,00

10,98

Net income for the period

3.888.659,00

2.518.371,00

2.106.443,00

54,41

TOTAL OF SHAREHOLDERS FUNDS

29.286.202,00

25.402.478,00

23.643.253,00

15,29

 

 

 

 

 

LIABILITY

 

 

 

 

 

 

 

Non-current liiabilities

 

 

Financing obtained

9.970.005,00

17.430.509,00

17.286.667,00

(42,80)

Diferred taxes liabilities

1.039.759,00

1.088.364,00

1.114.965,00

(4,47)

Other payable accounts

1.149.941,00

1.104.501,00

1.207.826,00

4,11

Total

12.159.705,00

19.623.374,00

19.609.458,00

(38,03)

 

 

 

 

 

Current liabilities

 

 

Suppliers

17.031.695,00

14.765.008,00

8.757.162,00

15,35

State and other public entities

301.664,00

271.485,00

274.036,00

11,12

Shareholders/partners

8.409.569,00

8.847.569,00

15.032.625,00

(4,95)

Financing obtained

24.157.901,00

18.756.899,00

5.416.039,00

28,79

Other payable accounts

6.316.342,00

6.853.780,00

4.954.902,00

(7,84)

Other financial liabilities

 

51.566,00

 

 

Total

56.217.171,00

49.546.307,00

34.434.764,00

13,46

TOTAL LIABILITIES

68.376.876,00

69.169.681,00

54.044.222,00

(1,15)

TOTAL SHAREHOLDERS FUNDS AND LIABILITIES

97.663.078,00

94.572.159,00

77.687.475,00

3,27

 

 

 

 

 

INCOME STATEMENT

 

 

 

 

 

 

 

INCOME AND EXPENSES

 

 

Sales and services

88.587.647,00

64.635.047,00

65.110.894,00

37,06

Gains/losses allocated subsidiaries, associates and joint ventures

771.647,00

421.581,00

(817.529,00)

83,04

Variation in production inventories

(853.330,00)

1.632.896,00

(3.377.835,00)

(152,26)

Work for the entity itself

1.528.110,00

365.549,00

333.751,00

318,03

Cost of goods sold and materials consumed

58.092.821,00

42.200.534,00

40.275.791,00

37,66

Suppliers and external services

13.376.517,00

11.577.675,00

9.901.400,00

15,54

Personnel costs

9.438.552,00

8.322.962,00

7.889.924,00

13,40

Impairment of receivables (losses/revearsals)

123.155,00

68.403,00

 

80,04

Increases/decreases in fair value

 

(105.417,00)

462.068,00

 

Other income and gains

5.187.450,00

4.784.868,00

7.981.845,00

8,41

Other expenses and losses

3.355.915,00

2.745.885,00

3.897.448,00

22,22

Result before depreciation, financing costs and taxes

10.834.564,00

6.819.065,00

7.728.631,00

58,89

Expenses/reversals of depreciation and amortization

2.989.472,00

2.434.104,00

2.300.971,00

22,82

Operating result (before financing costs and taxes)

7.845.092,00

4.384.961,00

5.427.660,00

78,91

Interest and similar income obtained

551,00

5.814,00

12.286,00

(90,52)

interest and similar expenses incurred

2.888.066,00

1.795.384,00

2.882.694,00

60,86

Net before taxes

4.957.577,00

2.595.391,00

2.557.252,00

91,01

Income tax of the period

1.068.918,00

77.020,00

450.809,00

1.287,84

Net profit for the period

3.888.659,00

2.518.371,00

2.106.443,00

54,41

 

 

Financial Elements

 

 

 

31-12-2009

 

Intangible Assets

1.673.554,00

 

Tangible Assets

20.784.137,00

 

Investments

7.809.649,00

 

Stocks

25.928.551,00

 

Medium and Long Term Receivable

65.860,00

 

Short Term Receivable

17.959.155,00

 

Banks and Cash

112.191,00

 

Accruals and Deferrals

181.592,00

 

Total Assets

74.514.689,00

 

Shareholder's Funds

20.762.617,00

 

Provisions

325.835,00

 

Medium and Long Term Payable

17.286.667,00

 

Short Term Payable

34.938.572,00

 

Accruals and Deferrals

1.200.998,00

 

Total Liabilities and Shareholder's Funds

74.514.689,00

 

Cost of Goods and Consumable Materials

40.275.791,00

 

Outside Supplies and Services

9.901.400,00

 

Personnel Costs

7.843.116,00

 

Sales

65.110.894,00

 

Supplementary Income

1.667.893,00

 

 

 

Comparatives POC

 

 

 

31-12-2007

31-12-2008

31-12-2009

Net Sales

56.096.233,00

69.462.934,00

65.110.894,00

Net Income For the Year

930.030,00

417.298,00

2.097.264,00

Current Assets

44.691.312,00

78.185.043,00

44.181.489,00

Short Term Payables

27.155.971,00

68.973.031,00

34.938.572,00

Cash Flow

17.535.341,00

9.212.012,00

9.242.917,00

Total Assets

67.401.595,00

104.977.431,00

74.514.689,00

Total Liabilities

48.957.330,00

86.224.664,00

53.752.072,00

Shareholders Funds

18.444.263,00

18.752.768,00

20.762.617,00

Personnel Costs

6.639.549,00

7.327.008,00

7.843.116,00

 

 

Ratios POC

 

 

 

31-12-2007

31-12-2008

31-12-2009

FINANCIAL SITUATION

 

 

 

General Liquidity

1,65

1,13

1,26

Immediate Liquidity

0,69

0,64

0,52

Financial Autonomy

0,27

0,18

0,28

Solvency

0,38

0,22

0,39

RENTABILITY

 

 

 

Sales Rentability

1,66 %

0,60 %

3,22 %

Sales Rate Increase

 

23,83 %

(6,27) %

EFFICIÊNCY

 

 

 

Assets Turnover

0,83

0,66

0,87

 

 

Balance Sheet and Income Statement

 

Balance Sheet

CoinEURO

 

Date31-12-2009

 

 

 

Gross Assets

Depreciations / Provisions

Net Assets

 

Intangible Assets

 

Subtotal

2.876.232,00

1.202.678,00

1.673.554,00

 

Tangible Assets

 

Subtotal

34.187.352,00

13.403.215,00

20.784.137,00

 

Financial Investments

 

Subtotal

7.959.288,00

149.639,00

7.809.649,00

 

Stocks

 

Subtotal

25.928.551,00

 

25.928.551,00

 

Medium and Long Term Receivable

 

Subtotal

65.860,00

 

65.860,00

 

Short Term Receivable

 

Subtotal

18.403.391,00

444.236,00

17.959.155,00

 

Bank Deposits and Cash

 

Cash

20.941,00

 

20.941,00

Bank Deposites

91.250,00

 

91.250,00

Subtotal

112.191,00

 

112.191,00

 

Accruals and Deferrals

 

Deferred Cost

181.592,00

 

181.592,00

Subtotal

181.592,00

 

181.592,00

 

 

 

Total Assets

89.714.457,00

15.199.768,00

74.514.689,00

 

Shareholders Funds and Liabilities

Shareholders Funds

 

Capital

9.494.670,00

 

Treasury Stock:

 

 

Share-Issue Premiuns

116.840,00

 

Reserves :

 

 

Legal

1.836,00

 

Free

762.242,00

 

Net Retained

8.289.765,00

 

Net Income For the Year

2.097.264,00

 

Total

20.762.617,00

 

 

Provisions

 

Subtotal

325.835,00

 

 

Short Term Payable

 

Bank Loans

5.416.039,00

 

Supliers Fixed Asset

1.699.043,00

 

State and Other Public Bodies

510.361,00

 

Other Creditors

78.843,00

 

Trade Creditors

8.757.162,00

 

Group Companies

18.477.123,00

 

Subtotal

34.938.572,00

 

 

Medium and Long Term Payable

 

Bank Loans

17.286.667,00

 

Subtotal

17.286.667,00

 

 

Accruals and Deferrals

 

Accrued Charges

1.065.007,00

 

Diferred Income

135.991,00

 

Subtotal

1.200.998,00

 

 

TOTAL LIABILITIES

53.752.072,00

 

TOTAL LIABILITIES AND SHAREHOLDERS FUNDS

74.514.689,00

 

 

Income Statement

Costs and Losses

 

Cost of Materials Consumed and Goods Sold:

 

 

Subtotal

40.275.791,00

 

Outside Supplies and Services

9.901.400,00

 

Personnel Costs

 

 

Subtotal

7.843.116,00

 

Depreciation

2.300.971,00

 

Subtotal

2.300.971,00

 

Other Operating Costs

246.769,00

 

Int. and Similar Costs:

 

 

Subtotal

5.343.356,00

 

Ext. Costs and Losses

1.915.871,00

 

Taxation Over Income

136.403,00

 

Net Income For the Year

2.097.264,00

 

 

Income and Profits

 

Sales of :

 

 

Products

64.914.229,00

 

Services Provided

196.665,00

 

Subtotal

65.110.894,00

 

Variation in Production

(3.377.835,00)

 

Own Works

333.751,00

 

Supplementary Income

1.667.893,00

 

Other Operating Income and Gains

37.101,00

 

Subtotal

2.038.745,00

 

Trading Securities Income

 

 

Int. and Similar Costs

 

 

Other

2.093.000,00

 

Extra Income and Gains

4.196.137,00

 

Net Income For the Year

2.097.264,00

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.52.75

UK Pound

1

Rs.85.08

Euro

1

Rs.69.04

 

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%)

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.