MIRA INFORM REPORT

 

 

Report Date :

20.10.2012

 

IDENTIFICATION DETAILS

 

Name :

SOCIETA' AGRICOLA LA MORETTA S.R.L.

 

 

Registered Office :

Via Camurana, 36,

41026- Pavullo nel Frignano   (MO)-IT-

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

26.06.2008

 

 

Legal Form :

Limited liability company

 

 

Line of Business :

Cultivation of permanent crops

 

 

No. of Employees :

From 1 To 5

 

 

RATING & COMMENTS

 

MIRA’s Rating :

NB

 

RATING

STATUS

PROPOSED CREDIT LINE

--

NB

                                       New Business

 

--

 

Status :

New Company

Payment Behaviour :

Unknown

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)

Italy

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

ITALY - ECONOMIC OVERVIEW

 

Italy has a diversified industrial economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, welfare-dependent, agricultural south, with high unemployment. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but exceptionally high public debt burdens and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, reaching 120% of GDP in 2011, and borrowing costs on sovereign government debt have risen to record levels. During the second half of 2011 the government passed a series of three austerity packages to balance its budget by 2013 and decrease its public debt burden. These measures included a hike in the value-added tax, pension reforms, and cuts to public administration. The government also faces pressure from investors and European partners to address Italy's long-standing structural impediments to growth, such as an inflexible labor market and widespread tax evasion. The international financial crisis worsened conditions in Italy''s labor market, with unemployment rising from 6.2% in 2007 to 8.4% in 2011, but in the longer-term Italy''s low fertility rate and quota-driven immigration policies will increasingly strain its economy. The euro-zone crisis along with Italian austerity measures have reduced exports and domestic demand, slowing Italy''s recovery. Italy''s GDP is still 5% below its 2007 pre-crisis level.

Source : CIA


Company name and address

           

Societa' Agricola La Moretta S.r.l.

 

Via Camurana, 36

 

41026 - Pavullo nel Frignano  (MO) -IT-

 

 

Summary

 

Fiscal Code

:

03215770367

Legal Form

:

Limited liability company

start of Activities

:

01/01/2012

Equity

:

25.000

Turnover Range

:

unknown

Number of Employees

:

from 1 to 5

 

 

Activity

 

Cultivation of permanent crops

 

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 03215770367

 

Chamber of Commerce no. : 368461 of since 14/07/2008

 

V.A.T. Code : 03215770367

 

Establishment date

: 26/06/2008

Start of Activities

: 01/01/2012

Legal duration

: 31/12/2050

Nominal Capital

: 10.000

 

Subscribed Capital

: 10.000

 

Paid up Capital

: 10.000

 

 

 

Members

 

 

Vandelli

Milena

 

 

 

Born in Vignola

(TN)

on 26/08/1973

- Fiscal Code : VNDMLN73M66L885N

 

 

 

Residence:

 

Impresa

, 574

- 41054

Marano sul Panaro

(MO)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

26/06/2008

 

 

Assistant board Chairman

26/06/2008

 

 

 

 

No Prejudicial events are reported

 

 

No Protests registered

 

 

Pradelli

Enrico

 

 

 

Born in Vignola

(TN)

on 25/12/1984

- Fiscal Code : PRDNRC84T25L885X

 

 

 

Residence:

 

Castello

, 45

- 41054

Marano sul Panaro

(MO)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

26/06/2008

 

 

 

 

No Protests registered

 

 

Capitani

Loretta

 

 

 

Born in Pavullo nel Frignano

(MO)

on 05/10/1960

- Fiscal Code : CPTLTT60R45G393R

 

 

 

Residence:

 

Camurana

, 36

- 41026

Pavullo nel Frignano

(MO)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

26/06/2008

 

 

Board Chairman

26/06/2008

 

 

 

 

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

Vandelli Cinzia

Marano sul Panaro - IT -

VNDCNZ71A68L885Q

2.450 .Eur

24,50

Vandelli Milena

Marano sul Panaro - IT -

VNDMLN73M66L885N

2.450 .Eur

24,50

Pradelli Enrico

Marano sul Panaro - IT -

PRDNRC84T25L885X

4.900 .Eur

49,00

Capitani Loretta

Pavullo nel Frignano - IT -

CPTLTT60R45G393R

200 .Eur

2,00

 

 

Direct Participations

 

The Company under review has no participations in other Companies.



Firm's location and structure

 

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

 

-

Legal and operative seat

(Farm)

 

 

 

 

 

 

Camurana

, 36

- 41026

- Pavullo nel Frignano

(MO)

- IT -

 

 

 

 

PHONE

: 0332201334

 

 

 

 

FAX

: 0332979038

 

 

 

 

Assistants

: 1

 

 

 

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 Data

 

 

 

Complete balance-sheet for the year

31/12/2011

(in Eur

x 1)

 

Item Type

Value

Profit (Loss) for the period

-4.534

 

 

 

Complete balance-sheet for the year

31/12/2010

(in Eur

x 1)

 

Item Type

Value

Profit (Loss) for the period

-4.500

 

 

 

Complete balance-sheet for the year

31/12/2009

(in Eur

x 1)

 

Item Type

Value

Profit (Loss) for the period

-3.969

 

 

 

Complete balance-sheet for the year

31/12/2008

(in Eur

x 1)

 

Item Type

Value

Profit (Loss) for the period

-2.066



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 31/12/2011 - 12 Mesi - Currency: - Amounts x 1

 

- 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

 

Years

2011

2010

2009

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

1.862

1.570

2.355

. TANGIBLE FIXED ASSETS

 

 

 

. . Real estate

 

 

 

. . Plant and machinery

 

 

 

. . Industrial and commercial equipment

 

 

 

. . Other assets

 

 

 

. . Assets under construction and advances

 

 

 

. Total Tangible fixed assets

213.166

115.091

114.151

. 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

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . 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

200

200

 

Total fixed assets

215.228

116.861

116.506

CURRENT ASSETS

 

 

 

. INVENTORIES

 

 

 

. . Raw materials and other consumables

 

 

 

. . Work in progress and semimanufactured

 

 

 

. . Work in progress on order

 

 

 

. . Finished goods

 

 

 

. . Advance payments

 

 

 

. Total Inventories

 

 

 

. CREDITS NOT HELD AS FIXED ASSETS

 

 

 

. . Within 12 months

23.554

2.613

560

. . Beyond 12 months

 

 

 

. . Trade receivables

 

 

 

. . . . Within 12 months

 

 

 

. . . . 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

20.152

940

 

. . . . Within 12 months

20.152

940

 

. . . . Beyond 12 months

 

 

 

. . Receivables for anticipated taxes

3.384

1.673

 

. . . . Within 12 months

3.384

1.673

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from third parties

18

 

 

. . . . Within 12 months

18

 

 

. . . . Beyond 12 months

 

 

 

. Total Credits not held as fixed assets

23.554

2.613

560

. 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

33.496

5.635

14.169

Total current assets

57.050

8.248

14.729

ADJUSTMENT ACCOUNTS

 

 

 

. Discount on loans

 

 

 

. Other adjustment accounts

252

335

 

Total adjustments accounts

252

335

 

TOTAL ASSETS

272.530

125.444

131.235

 

 

 

 

LIABILITIES

 

 

 

STOCKHOLDERS' EQUITY

 

 

 

. Capital stock

10.000

10.000

10.000

. Additional paid-in capital

 

 

 

. Revaluation reserves

 

 

 

. Legal reserve

 

 

 

. Reserve for Own shares

 

 

 

. Statute reserves

 

 

 

. Other reserves

14.465

24.999

25.000

. Accumulated Profits (Losses)

 

-6.035

-2.066

. Profit( loss) of the year

-4.534

-4.500

-3.969

. Advances on dividends

 

 

 

. Partial loss of the year Coverage

 

 

 

Total Stockholders'Equity

19.931

24.464

28.965

RESERVES FOR RISKS AND CHARGES

 

 

 

. . Reserve for employee termination indem.

 

 

 

. . Taxation fund, also differed

 

 

 

. . Other funds

 

 

 

Total Reserves for Risks and Charges

 

 

 

Employee termination indemnities

 

 

 

ACCOUNTS PAYABLE

 

 

 

. . . . Within 12 months

2.599

980

102.250

. . . . Beyond 12 months

250.000

100.000

 

. . Bonds

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Convertible bonds repayable

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to shareholders for financing

250.000

100.000

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

250.000

100.000

 

. . 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

1.599

 

 

. . . . Within 12 months

1.599

 

 

. . . . 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

1.000

 

 

. . . . Within 12 months

1.000

 

 

. . . . Beyond 12 months

 

 

 

. . Due to social security and welfare inst.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Other payables

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

Total accounts payable

252.599

100.980

102.250

ADJUSTMENT ACCOUNTS

 

 

 

. Agio on loans

 

 

 

. Other adjustment accounts

 

 

20

Total adjustment accounts

 

 

20

TOTAL LIABILITIES

272.530

125.444

131.235

 

 

 

 

 

 

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

 

 

 

. Changes in work in progress

 

 

 

. Changes in semi-manufact. products

 

 

 

. Capitalization of internal work

 

 

 

. Other income and revenues

 

 

 

. . Contributions for operating expenses

 

 

 

. . Different income and revenues

 

 

 

Total value of production

 

 

 

PRODUCTION COSTS

 

 

 

. Raw material,other materials and consum.

 

 

 

. Services received

4.076

3.243

2.433

. Leases and rentals

83

165

 

. Payroll and related costs

 

 

 

. . Wages and salaries

 

 

 

. . Social security contributions

 

 

 

. . Employee termination indemnities

 

 

 

. . Pension and similar

 

 

 

. . Other costs

 

 

 

. Amortization and depreciation

908

785

785

. . Amortization of intangible fixed assets

908

785

785

. . Amortization of tangible fixed assets

 

 

 

. . Depreciation of tangible fixed assets

 

 

 

. . Writedown of current receiv.and of liquid

 

 

 

. Changes in raw materials

 

 

 

. Provisions to risk reserves

 

 

 

. Other provisions

 

 

 

. Other operating costs

1.303

2.017

768

Total production costs

6.370

6.210

3.986

Diff. between value and cost of product.

-6.370

-6.210

-3.986

FINANCIAL INCOME AND EXPENSE

 

 

 

. Income from equity investments

 

 

 

. . In subsidiary companies

 

 

 

. . In associated companies

 

 

 

. . In other companies

 

 

 

. Other financial income

138

37

17

. . 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

 

 

17

. . . - Subsidiary companies

 

 

 

. . . - Associated companies

 

 

 

. . . - Holding companies

 

 

 

. . . - Other companies

 

 

17

. Interest and other financial expense

-3

-1

 

. . Towards subsidiary companies

 

 

 

. . Towards associated companies

 

 

 

. . Towards holding companies

 

 

 

. . Towards other companies

 

 

 

Total financial income and expense

135

36

17

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

 

. . Gains on disposals

 

 

 

. . Other extraordinary income

 

1

 

. Extraordinary expense

-10

 

 

. . Losses on disposals

 

 

 

. . Taxes relating to prior years

 

 

 

. . Other extraordinary expense

-10

 

 

Total extraordinary income and expense

-10

1

 

Results before income taxes

-6.245

-6.173

-3.969

. Taxes on current income

-1.711

-1.673

 

. . current taxes

 

 

 

. . differed taxes(anticip.)

-1.711

-1.673

 

. Net income for the period

-4.534

-4.500

-3.969

. Adjustments in tax regulations pursuance

 

 

 

. Provisions in tax regulations pursuance

 

 

 

. Profit (loss) of the year

-4.534

-4.500

-3.969

 

RATIOS

Value Type

as at 31/12/2011

as at 31/12/2010

as at 31/12/2009

Sector Average

COMPOSITION ON INVESTMENT

 

 

 

 

 

Rigidity Ratio

Units

0,79

0,93

0,89

0,32

Elasticity Ratio

Units

0,21

0,07

0,11

0,65

Availability of stock

Units

n.c.

n.c.

n.c.

0,18

Total Liquidity Ratio

Units

0,21

0,07

0,11

0,36

Quick Ratio

Units

0,12

0,04

0,11

0,02

COMPOSITION ON SOURCE

 

 

 

 

 

Net Short-term indebtedness

Units

n.c.

n.c.

3,04

2,28

Self Financing Ratio

Units

0,07

0,20

0,22

0,22

Capital protection Ratio

Units

0,73

0,78

0,79

0,62

Liabilities consolidation quotient

Units

96,19

102,04

n.c.

0,27

Financing

Units

12,67

4,13

3,53

3,32

Permanent Indebtedness Ratio

Units

0,99

0,99

0,22

0,41

M/L term Debts Ratio

Units

0,92

0,80

n.c.

0,13

Net Financial Indebtedness Ratio

Units

10,86

3,86

n.c.

0,76

CORRELATION

 

 

 

 

 

Fixed assets ratio

Units

1,25

1,07

0,25

1,04

Current ratio

Units

21,95

8,42

0,14

1,06

Acid Test Ratio-Liquidity Ratio

Units

21,95

8,42

0,14

0,68

Structure's primary quotient

Units

0,09

0,21

0,25

0,70

Treasury's primary quotient

Units

12,89

5,75

0,14

0,05

Rate of indebtedness ( Leverage )

%

1367,37

512,77

453,08

449,71

Current Capital ( net )

Value

54.451

7.268

-87.521

38.749

RETURN

 

 

 

 

 

Return on Sales

%

n.c.

n.c.

n.c.

3,74

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

%

-22,75

-18,39

-13,70

0,38

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

%

-31,33

-25,23

-13,70

1,88

Return on Investment ( R.O.I. )

%

-2,34

-4,95

-3,04

1,50

Return/ Sales

%

n.c.

n.c.

n.c.

1,72

Extra Management revenues/charges incid.

%

n.c.

n.c.

n.c.

13,00

Cash Flow

Value

-3.626

-3.715

-3.184

121.607

Operating Profit

Value

-6.370

-6.210

-3.986

52.241

Gross Operating Margin

Value

-5.462

-5.425

-3.201

183.914

MANAGEMENT

 

 

 

 

 

Credits to clients average term

Days

n.c.

n.c.

n.c.

125,57

Debts to suppliers average term

Days

138,41

n.c.

n.c.

154,90

Average stock waiting period

Days

n.c.

n.c.

n.c.

78,26

Rate of capital employed return ( Turnover )

Units

n.c.

n.c.

n.c.

0,70

Rate of stock return

Units

n.c.

n.c.

n.c.

3,83

Labour cost incidence

%

n.c.

n.c.

n.c.

12,22

Net financial revenues/ charges incidence

%

n.c.

n.c.

n.c.

-2,06

Labour cost on purchasing expenses

%

n.c.

n.c.

n.c.

11,75

Short-term financing charges

%

0,00

0,00

n.c.

2,18

Capital on hand

%

n.c.

n.c.

n.c.

142,06

Sales pro employee

Value

 

 

 

315.785

Labour cost pro employee

Value

 

 

 

32.555

 

 


SOURCES

 

Our Company collects data from public registers, lists, archives or contained in Acts and/or documents (held by the National Chamber of Commerce or Immovables Territorial Agency), users, reporters or however generally accessible (for example, from categorical lists, statistical institutes, press reports and from public inspection internet sites).

 

The present report is supplied for Your exclusive use and is bond to the general conditions of the contract. Personal Data collection and treatment, reported, are conform to our company's activities and to Your mandate conferred to us by Your request, for the purposes in relation to Marketing Management, Sales and Monetary Administration. It does not contain, nor could contain, information cancelled by a justified opposition right.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.52.97

UK Pound

1

Rs.85.45

Euro

1

Rs.69.45

 

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

 

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.