MIRA
INFORM REPORT
|
Report Date : |
08.09.2012 |
IDENTIFICATION DETAILS
|
Name : |
LAMONT FIREPLACES LTD |
|
|
|
|
Formerly Known As : |
GRANITEX LIMITED |
|
|
|
|
Registered Office : |
1 Wattstown Business Park, Newbridge Road , Colerain, Bt52 1bs |
|
|
|
|
Country : |
Ireland |
|
|
|
|
Financials (as on) : |
31.12.2010 |
|
|
|
|
Date of Incorporation : |
21.10.1996 |
|
|
|
|
Com. Reg. No.: |
NI031454 |
|
|
|
|
Legal Form : |
Private limited with Share Capital |
|
|
|
|
Line of Business : |
Other retail specialised store |
|
|
|
|
No. of Employees : |
Not
Available |
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 : |
Slow but Correct |
|
|||
|
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) |
|
Ireland |
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
ireland - ECONOMIC OVERVIEW
Ireland is a small, modern, trade-dependent economy. Ireland was among
the initial group of 12 EU nations that began circulating the euro on 1 January
2002. GDP growth averaged 6% in 1995-2007, but economic activity has dropped
sharply since the onset of the world financial crisis, with GDP falling by over
3% in 2008, nearly 7% in 2009, and less than 1% in 2010. Ireland entered into a
recession in 2008 for the first time in more than a decade, with the subsequent
collapse of its domestic property and construction markets. Property prices
rose more rapidly in Ireland in the decade up to 2007 than in any other
developed economy. Since their 2007 peak, average house prices have fallen 47%.
In the wake of the collapse of the construction sector and the downturn in
consumer spending and business investment, the export sector, dominated by
foreign multinationals, has become a key component of Ireland's economy.
Agriculture, once the most important sector, is now dwarfed by industry and services.
In 2008 the COWEN government moved to guarantee all bank deposits, recapitalize
the banking system, and establish partly-public venture capital funds in
response to the country's economic downturn. In 2009, in continued efforts to
stabilize the banking sector, the Irish Government established the National
Asset Management Agency (NAMA) to acquire problem commercial property and
development loans from Irish banks. Faced with sharply reduced revenues and a
burgeoning budget deficit, the Irish Government introduced the first in a
series of draconian budgets in 2009. In addition to across-the-board cuts in
spending, the 2009 budget included wage reductions for all public servants.
These measures were not sufficient. In 2010, the budget deficit reached 32.4%
of GDP - the world's largest deficit, as a percentage of GDP - because of
additional government support for the banking sector. In late 2010, the former
COWEN Government agreed to a $112 billion loan package from the EU and IMF to
help Dublin further increase the capitalization of its banking sector and avoid
defaulting on its sovereign debt. Since entering office in March 2011, the
KENNY government has intensified austerity measures to try to meet the deficit
targets under Ireland's EU-IMF program. Ireland achieved moderate growth in
2011 and cut the budget deficit to 10.1% of GDP, although the recovery is
expected to slow in 2012 as a result of the euro-zone debt crisis.
|
Source : CIA |
REGISTERED NAME & COMPANY
SUMMARY
|
Company Name |
LAMONT FIREPLACES LTD |
Company Number |
NI031454 |
|
Registered
Address |
1 WATTSTOWN BUSINESS PARK |
Trading Address |
1 Wattstown
Business Park |
|
|
NEWBRIDGE ROAD |
|
|
|
|
COLERAIN |
|
|
|
|
BT52 1BS |
|
|
|
|
|
|
|
|
Website Address |
|
|
|
|
Telephone Number
|
02870328883 |
Fax Number |
|
|
TPS |
No |
FPS |
No |
|
Incorporation
Date |
21/10/1996 |
Company Status |
Active - Accounts Filed |
|
Previous Name |
GRANITEX LIMITED |
Type |
Private limited with Share Capital |
|
Date of Change |
24/10/1996 |
Filing Date of
Accounts |
19/09/2011 |
|
|
|
Share Capital |
£878,192 |
|
SIC03 |
5248 |
Currency |
GBP |
|
SIC03
Description |
OTHER RETAIL SPECIALISED STORE |
||
|
SIC07 |
47789 |
||
|
SIC07
Description |
OTHER RETAIL SALE OF NEW GOODS IN SPECIALISED STORES (NOT COMMERCIAL
ART GALLERIES AND OPTICIANS) |
||
|
Principal Activity
|
Specialists. |
||
DIRECTORS/MANAGEMENT
|
Total Current Directors |
1 |
|
Total Current Secretaries |
1 |
|
Total Previous Directors / Company Secretaries |
0 |
Current Directors
|
Name |
Millar Andrew Lamont |
Date of Birth |
07/02/1952 |
|
Officers Title |
|
Nationality |
British |
|
Present Appointments |
1 |
Function |
Director |
|
Appointment Date |
21/10/1996 |
|
|
|
Address |
1 Kensington Manor, Coleraine, Co Londonderry, BT52
1WD |
||
|
|
|
|
|
Current Company
Secretary
|
Name |
Annie Lyttle Lamont |
Date of Birth |
- |
|
Officers Title |
Ms |
Nationality |
|
|
Present Appointments |
1 |
Function |
Company Secretary |
|
Appointment Date |
21/10/1996 |
|
|
|
Address |
1 Kensington Manor, Knocklyn Road, Coleraine, BT52
1WD |
||
Previous
Director/Company Secretaries
|
No Previous Director Details |
NEGATIVE INFORMATION
Commentary
|
CCJ recorded against the company. |
|
|
There has been no significant change in the company's credit limit. |
|
|
There is insufficient data to indicate a change in this companies
percentage of sales. |
|
|
Net Worth increased by 10% during the latest trading period. |
|
|
A 3.6% growth in Total Assets occurred during the latest trading
period. |
|
|
There is insufficient data to indicate a change in this companies
pre-tax profit. |
|
|
The company saw an increase in their Cash Balance of 11.2% during the
latest trading period. |
|
|
The company is exempt from audit. |
|
|
No recent changes in directorship are recorded. |
|
|
The company is not part of a group. |
|
|
The positive change in the P&L Account Reserve suggests that the
company made a profit after tax and other appropriations. |
|
|
The company was established over 15 years ago. |
|
CCJ
|
Total Number of Exact CCJs - |
1 |
Total Value of Exact CCJs - |
£5,581 |
|
Total Number of Possible CCJs - |
0 |
Total Value of Possible CCJs - |
|
|
Total Number of Satisfied CCJs - |
0 |
Total Value of Satisfied CCJs - |
|
|
Total Number of Writs - |
- |
|
|
|
Date |
Court |
Amount |
Status |
Case Number |
Date Paid |
|
02/08/2008 |
CIVIL PROCESSING CENTRE |
£5,581 |
Judgement |
07/102517 |
- |
Possible CCJ
Details
There are no possible CCJ details
Writ Details
There are no writ details
Exact CCJ Details
|
Date |
Court |
Amount |
Status |
Case Number |
Date Paid |
|
02/08/2008 |
CIVIL PROCESSING CENTRE |
£5,581 |
Judgement |
07/102517 |
- |
Possible CCJs
Details
|
There are no possible CCJ details |
Writ Details
|
No writs found |
SHARE & SHARE CAPITAL
INFORMATION
Top 20
Shareholders
|
Name |
Individual Share Value |
|
MILLAR ANDREW LAMONT |
878,192 ORDINARY GBP 1.00 |
PAYMENT INFORMATION
Payment
Information Summary
|
Days Beyond Terms |
Trend Indicator |
Average
Payment Experience |
|
||||
|
Steady Improving Worsening |
Be the first to leave a payment experience
|
|
Creditor Details
|
No Creditor Data |
|
Total Value |
- |
Trade Debtors /
Bad Debt Detail
|
No Debtor Data |
|
Total Value |
- |
GROUP STRUCTURE & AFFILIATED
COMPANIES
|
Statistics
|
Summary
|
Group structure
No group structure
Statistics
|
Group |
0 companies |
|
Linkages |
0 companies |
|
Countries |
In 0 countries |
FINANCIAL INFORMATION
Key
Financial
|
Year
to Date |
Turnover |
Pre
Tax Profit |
Shareholder
Funds |
Employees |
|
31/12/2010 |
- |
- |
£4,086,359 |
- |
|
31/12/2009 |
- |
- |
£3,737,978 |
- |
|
31/12/2008 |
- |
- |
£3,401,647 |
- |
Profit & Loss
|
Date Of Accounts |
31/12/10 |
(%) |
31/12/09 |
(%) |
31/12/08 |
(%) |
31/12/07 |
(%) |
31/12/06 |
|
Weeks |
52 |
(%) |
52 |
(%) |
52 |
(%) |
52 |
(%) |
52 |
|
Currency |
GBP |
(%) |
GBP |
(%) |
GBP |
(%) |
GBP |
(%) |
GBP |
|
Consolidated A/cs |
N |
(%) |
N |
(%) |
N |
(%) |
N |
(%) |
N |
|
Turnover |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Export |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Cost of Sales |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Gross Profit |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Wages & Salaries |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Directors Emoluments |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Operating Profit |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Depreciation |
£163,154 |
0.4% |
£162,434 |
-9.2% |
£178,941 |
2% |
£175,464 |
2% |
£172,011 |
|
Audit Fees |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Interest Payments |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Pre Tax Profit |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Taxation |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Profit After Tax |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Dividends Payable |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Retained Profit |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Balance Sheet
|
Date Of Accounts |
31/12/10 |
(%) |
31/12/09 |
(%) |
31/12/08 |
(%) |
31/12/07 |
(%) |
31/12/06 |
|
Tangible Assets |
£2,825,785 |
18.5% |
£2,385,560 |
-6.1% |
£2,540,265 |
-0.5% |
£2,552,094 |
2.5% |
£2,489,630 |
|
Intangible Assets |
£141,838 |
-6.7% |
£151,970 |
-6.3% |
£162,102 |
-5.9% |
£172,234 |
-5.6% |
£182,366 |
|
Total Fixed Assets |
£2,967,623 |
16.9% |
£2,537,530 |
-6.1% |
£2,702,367 |
-0.8% |
£2,724,328 |
2% |
£2,671,996 |
|
Stock |
£1,312,313 |
-15.6% |
£1,555,424 |
-12.4% |
£1,775,546 |
86.5% |
£951,861 |
26% |
£755,509 |
|
Trade Debtors |
£822,000 |
-3.3% |
£850,462 |
-11.1% |
£956,257 |
-5.9% |
£1,016,415 |
-1.7% |
£1,034,347 |
|
Cash |
£295,759 |
11.2% |
£265,992 |
999.9% |
£3,198 |
-97.8% |
£144,431 |
134.6% |
£61,575 |
|
Other Debtors |
0 |
- |
0 |
- |
0 |
- |
0 |
- |
0 |
|
Miscellaneous Current Assets |
0 |
- |
0 |
- |
0 |
- |
0 |
- |
0 |
|
Total Current Assets |
£2,430,072 |
-9.1% |
£2,671,878 |
-2.3% |
£2,735,001 |
29.5% |
£2,112,707 |
14.1% |
£1,851,431 |
|
Trade Creditors |
£780,237 |
-10% |
£866,864 |
-27.7% |
£1,198,856 |
53.3% |
£781,914 |
-2% |
£797,819 |
|
Bank Loans & Overdrafts |
0 |
- |
0 |
- |
0 |
- |
0 |
- |
0 |
|
Other Short Term Finance |
0 |
- |
0 |
-100% |
£28,050 |
-20.6% |
£35,336 |
- |
0 |
|
Miscellaneous Current Liabilities |
0 |
- |
0 |
- |
0 |
- |
0 |
- |
0 |
|
Total Current Liabilities |
£780,237 |
-10% |
£866,864 |
-29.3% |
£1,226,906 |
50.1% |
£817,250 |
2.4% |
£797,819 |
|
Bank Loans & Overdrafts and LTL |
£531,099 |
-12.2% |
£604,566 |
-25.3% |
£808,815 |
-17.5% |
£980,751 |
-7.6% |
£1,061,728 |
|
Other Long Term Finance |
0 |
- |
0 |
-100% |
£35,772 |
-20.9% |
£45,250 |
- |
0 |
|
Total Long Term Liabilities |
£531,099 |
-12.2% |
£604,566 |
-25.3% |
£808,815 |
-17.5% |
£980,751 |
-7.6% |
£1,061,728 |
Capital &
Reserves
|
Date Of Accounts |
31/12/10 |
(%) |
31/12/09 |
(%) |
31/12/08 |
(%) |
31/12/07 |
(%) |
31/12/06 |
|
Called Up Share Capital |
£439,096 |
- |
£439,096 |
- |
£439,096 |
- |
£439,096 |
- |
£439,096 |
|
P & L Account Reserve |
£3,644,159 |
10.6% |
£3,295,359 |
11.3% |
£2,960,301 |
13.9% |
£2,599,938 |
16.9% |
£2,224,784 |
|
Revaluation Reserve |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Sundry Reserves |
£3,104 |
-11.9% |
£3,523 |
56.6% |
£2,250 |
- |
- |
- |
- |
|
Shareholder Funds |
£4,086,359 |
9.3% |
£3,737,978 |
9.9% |
£3,401,647 |
11.9% |
£3,039,034 |
14.1% |
£2,663,880 |
Other Financial
Items
|
Date Of Accounts |
31/12/10 |
(%) |
31/12/09 |
(%) |
31/12/08 |
(%) |
31/12/07 |
(%) |
31/12/06 |
|
Net Worth |
£3,944,521 |
10% |
£3,586,008 |
10.7% |
£3,239,545 |
13% |
£2,866,800 |
15.5% |
£2,481,514 |
|
Working Capital |
£1,649,835 |
-8.6% |
£1,805,014 |
19.7% |
£1,508,095 |
16.4% |
£1,295,457 |
23% |
£1,053,612 |
|
Total Assets |
£5,397,695 |
3.6% |
£5,209,408 |
-4.2% |
£5,437,368 |
12.4% |
£4,837,035 |
6.9% |
£4,523,427 |
|
Total Liabilities |
£1,311,336 |
-10.9% |
£1,471,430 |
-27.7% |
£2,035,721 |
13.2% |
£1,798,001 |
-3.3% |
£1,859,547 |
|
Net Assets |
£4,086,359 |
9.3% |
£3,737,978 |
9.9% |
£3,401,647 |
11.9% |
£3,039,034 |
14.1% |
£2,663,880 |
Miscellaneous
|
Date Of Accounts |
31/12/10 |
(%) |
31/12/09 |
(%) |
31/12/08 |
(%) |
31/12/07 |
(%) |
31/12/06 |
|
Contingent Liability |
NO |
- |
NO |
- |
NO |
- |
NO |
- |
NO |
|
Capital Employed |
£4,617,458 |
6.3% |
£4,342,544 |
3.1% |
£4,210,462 |
4.7% |
£4,019,785 |
7.9% |
£3,725,608 |
|
Number of Employees |
- |
- |
- |
- |
- |
- |
- |
- |
- |
|
Auditors |
|
||||||||
|
Auditor Comments |
The company is exempt from audit |
||||||||
|
Bankers |
BANK OF IRELAND |
||||||||
|
Bank Branch Code |
90-48-00 |
||||||||
Ratios
|
Date Of Accounts |
31/12/10 |
31/12/09 |
31/12/08 |
31/12/07 |
31/12/06 |
|
Pre-tax profit margin % |
- |
- |
- |
- |
- |
|
Current ratio |
3.11 |
3.08 |
2.23 |
2.59 |
2.32 |
|
Sales/Net Working Capital |
- |
- |
- |
- |
- |
|
Gearing % |
13 |
16.20 |
23.80 |
32.30 |
39.90 |
|
Equity in % |
77.70 |
73.90 |
64.50 |
65.10 |
61.40 |
|
Creditor Days |
- |
- |
- |
- |
- |
|
Debtor Days |
- |
- |
- |
- |
- |
|
Liquidity/Acid Test |
1.43 |
1.28 |
0.78 |
1.42 |
1.37 |
|
Return On Capital Employed % |
- |
- |
- |
- |
- |
|
Return On Total Assets Employed % |
- |
- |
- |
- |
- |
|
Current Debt Ratio |
0.19 |
0.23 |
0.36 |
0.26 |
0.29 |
|
Total Debt Ratio |
0.32 |
0.39 |
0.59 |
0.59 |
0.69 |
|
Stock Turnover Ratio % |
- |
- |
- |
- |
- |
|
Return on Net Assets Employed % |
- |
- |
- |
- |
- |
FOREIGN EXCHANGE RATES
Na
ADDITIONAL INFORMATION
Mortgage Summary
|
Outstanding |
4 |
|
Satisfied |
0 |
Status History
|
Date |
Description |
|
|
10/06/2010 |
Compulsory strike off cancelled |
|
|
08/06/2010 |
Dissolution (First Gazt) |
|
Event History
|
Date |
Description |
|
27/10/2011 |
Annual Returns |
|
24/09/2011 |
New Accounts Filed |
|
04/12/2010 |
Annual Returns |
|
18/08/2010 |
New Accounts Filed |
|
11/06/2010 |
Annual Returns |
|
09/10/2009 |
New Board Member Mr M.A. Lamont appointed |
|
09/10/2009 |
New Company Secretary Ms A.L. Lamont appointed |
|
27/08/2009 |
New Accounts Filed |
|
27/08/2009 |
New Accounts Filed |
|
10/07/2008 |
New Accounts Filed |
|
31/03/2008 |
CCJ RECORD (JUDGEMENT) |
|
06/12/2007 |
Annual Returns |
|
20/11/2007 |
New Accounts Filed |
|
03/11/2006 |
New Accounts Filed |
|
28/10/2005 |
New Accounts Filed |
Limit History
|
Date |
Limit |
|
24/09/2011 |
£25,000 |
|
18/09/2011 |
£0 |
|
18/08/2010 |
£25,000 |
|
27/08/2009 |
£0 |
|
26/08/2009 |
£13,500 |
|
20/02/2009 |
£12,500 |
|
31/03/2008 |
£75,000 |
|
13/06/2007 |
£100,000 |
|
12/01/2006 |
£100,000 |
Previous Company
Names
|
Date |
Previous Name |
|
24/10/1996 |
GRANITEX LIMITED |
Mortgage Details
|
Mortgage Type: |
MORTGAGE OR CHARGE |
||
|
Date Charge Created: |
08/12/03 |
|
|
|
Date Charge Registered: |
23/12/03 |
|
|
|
Date Charge Satisfied: |
- |
|
|
|
Status: |
OUTSTANDING |
|
|
|
Person(s) Entitled: |
GOVERNOR & CO. BOI |
||
|
Amount Secured: |
N/A |
||
|
Details: |
Å’500,00.00 CHATTEL MORTGAGE MOTORISED ROTATING SLAB STATION AND
ANCILLIARY EQUIPMENT. |
||
|
Mortgage Type: |
MORTGAGE OR CHARGE |
||
|
Date Charge Created: |
23/08/00 |
|
|
|
Date Charge Registered: |
01/09/00 |
|
|
|
Date Charge Satisfied: |
- |
|
|
|
Status: |
OUTSTANDING |
|
|
|
Person(s) Entitled: |
BANK OF IRELAND |
||
|
Amount Secured: |
N/A |
||
|
Details: |
ALL MONIES. ASSIGNMENT OF LIFE POLICY. ALL MONIES PAYABLE FROM TIME TO
TIME TO THE COMPANY UNDER: - LIFE POLICY NUMBER 7338096LW DATED 17TH JULY
2000 HELD WITH CGU LIFE SERVICES LIMITED ON THE LIFE OF MILLAR ANDREW LAMONT
IN THE SUM OF ;750,000. |
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Mortgage Type: |
MORTGAGE OR CHARGE |
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Date Charge Created: |
07/08/98 |
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Date Charge Registered: |
13/08/98 |
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Date Charge Satisfied: |
- |
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|
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Status: |
OUTSTANDING |
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Person(s) Entitled: |
BANK OF IRELAND |
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Amount Secured: |
N/A |
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Details: |
ASSIGNMENT OF LIFE POLICY. ALL MONEYS PAYABLE FROM TIME TO TIME TO THE
COMPANY UNDER:- LIFE P OLICY NUMBER K00251F-000-000 DATED 22 OCTOBER 1997 HELD
WITH ZURICH LIFE ASSURANCE COMPANY LIMITED ON THE LIFE OF MILLAR ANDREW
LAMONT IN THE SUM OF ;800,000. |
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Mortgage Type: |
MORTGAGE OR CHARGE |
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Date Charge Created: |
11/07/97 |
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|
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Date Charge Registered: |
22/07/97 |
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Date Charge Satisfied: |
- |
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|
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Status: |
OUTSTANDING |
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Person(s) Entitled: |
BANK OF IRELAND |
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Amount Secured: |
ALL MONIES |
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Details: |
ALL MONIES. DEBENTURE LANDS AND PREMISES COMPRISED IN AND DEMISED BY LEASE
DATED 5/6/97. SEE DOC 11 FOR FURTHER DETAILS |
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FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.55.52 |
|
UK Pound |
1 |
Rs.88.49 |
|
Euro |
1 |
Rs.70.20 |
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.