MIRA INFORM REPORT

 

 

Report Date :

22.04.2013

 

IDENTIFICATION DETAILS

 

Name :

HEIDELBERGER DRUCKMASCHINEN AKTIENGESELLSCHAFT

 

 

Registered Office :

Kurfürsten-Anlage 52-60, D 69115 Heidelberg, Post Box 10 29 40, D 69019 Heidelberg

 

 

Country :

germany

 

 

Year of Establishments:

1850

 

 

Com. Reg. No.:

HRB 330004

 

 

Legal Form :

Public Limited Company

 

 

Line of Business :

Manufacturer of machinery for paper and paperboard  production

 

 

No. of Employees :

9136

 

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 :

Satisfactory 

 

 

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 

germany ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, contributed to strong growth in 2006 and 2007 and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 6.5% in 2012. GDP contracted 5.1% in 2009 but grew by 4.2% in 2010, and 3.0% in 2011, before dipping to 0.7% in 2012 - a reflection of low investment spending due to crisis-induced uncertainty and the decreased demand for German exports from recession-stricken periphery countries. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011. In 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. By 2014, the federal government wants to balance its budget. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela Merkel announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

Source : CIA

 

Company name 

 

Heidelberger Druckmaschinen Aktiengesellschaft

 

 

company address

 

Kurfürsten-Anlage 52-60

D 69115 Heidelberg

Post Box:

10 29 40, D 69019 Heidelberg

Telephone:06221/9200

Telefax:  06221/926999

Homepage: www.heidelberg.com

E-mail:   information@heidelberg.com

 

 

Company Status

 

active

 

 

VAT no   

 

DE143455661

 

 

CONCLUSION

 

Business relations are permissible. The company is considered solvent for credits within its scope of business.

 

 

Synthesis

 

LEGAL FORM               Public limited company

Date of foundation:         1850

Registered on:               25.07.1899

Commercial Register:     Local court 68159 Mannheim

under:                           HRB 330004

 Share capital:                EUR        599,672,166.40

 

The company is listed on the stock market.

 

Shareholder

 

Bent Mortensen

Landeves 76

DK  Dänemark

 

Shareholder:

                      SEB Investment GmbH

                      Rotfeder-Ring 7

                      D 60327 Frankfurt

                      Post Box:

                      94 02 73

                      Legal form: Private limited company

                      Share capital:     EUR          5,113,000.00

                      Share:                               5.020 %

                      Registered on: 04.01.1989

                      Reg. data: 60313 Frankfurt, HRB 29859

 Shareholder:

                      Robert J. Koehler

                      D 65193 Wiesbaden

                      born: 12.01.1949

                      Share:                               0.010 %

 Shareholder:

                      Dirk Kaliebe

                      D 69207 Sandhausen

                      born: 26.04.1966

 Shareholder:

                      Eigene Anteile der Gesellschaft

                      D 69115 Heidelberg

                      Legal form: Other legal form

                      Share:                               0.170 %

 Shareholder:

                      Bernhard Schreier

                      D 76646 Bruchsal

                      born: 14.02.1954 in Heidelberg

                      Share:                               0.010 %

 Shareholder:

                      Marcel Kiessling

                      Türkenlouisstr. 1

                      D 78050 Villingen-Schwenningen

                      born: 04.03.1961

 Shareholder:

                      Dr. Werner Brandt

                      D 61348 Bad Homburg

                      born: 03.01.1954

 Shareholder:

                      RWE Aktiengesellschaft

                      Opernplatz 1

                      D 45128 Essen

                      Post Box:

                      103061, D 45030 Essen

                      Legal form: Public limited company

                      Share capital:     EUR      1,573,748,477.44

                      Share:                               4.220 %

                      Registered on: 26.10.2000

                      Reg. data: 45130 Essen, HRB 14525

 Shareholder:

                      Stephan Plenz

                      D 69207 Sandhausen

                      born: 14.05.1965

 Shareholder:

                      Allianz SE

                      Königinstr. 28

                      D 80802 München

                      Legal form: European Company (SE)

                      Share capital:     EUR      1,167,232,000.00

                      Share:                              13.000 %

                      Registered on: 13.10.2006

                      Reg. data: 80333 München, HRB 164232

 Shareholder:

                      BlackRock, Inc.

                      USA  New York

                      Legal form: Other legal form

                      Share:                               3.020 %

 Shareholder:

                      Capital Research and Management

                      USA  Los Angeles

                      Legal form: Other legal form

                      Share:                               3.140 %

 Shareholder:

                      Dieter Willi Brandt

                      D 69115 Heidelberg

 Shareholder:

                      SMALLCAP World Fund Inc.

                      USA  Norfolk

                      Legal form: Other legal form

                      Share:                               3.130 %

 Shareholder:

                      Streubesitz

                      D 69115 Heidelberg

                      Legal form: Public limited company

                      Share:                              68.270 %

 

President of the Board of Directors

 

Dr. Gerold Linzbach

Wolfsgangstr. 89

D 60322 Frankfurt

born: 13.02.1956

Member of the Board of Directors

 

Dirk Kaliebe

D 69207 Sandhausen

born: 26.04.1966

 

Member of the Board of Directors:

Marcel Kiessling

Türkenlouisstr. 1

D 78050 Villingen-Schwenningen

born: 04.03.1961

Marital status: married

 

Member of the Board of Directors:

Stephan Plenz

D 69207 Sandhausen

born: 14.05.1965

 

President of the Supervisory Board

 

Robert J. Koehler

D 65193 Wiesbaden

born: 12.01.1949

Profession: Management expert

Marital status: unknown

 

Vice-president of the Supervisory Board

 

Rainer Wagner

D 69168 Wiesloch

 

 

Member of the Supervisory Board

 

Prof. Dr. Ing. Günther Schuh

Krautmühlenweg 9

D 52066 Aachen

born: 19.11.1958

Profession: Engineer

Marital status: married


Member of the Supervisory Board:

Edwin Eichler

D 33428 Marienfeld

born: 10.04.1958

Profession: Fully qualified computer

scientist

Property regime: Statutory matrimonial

property regime

Marital status: married

 

Member of the Supervisory Board:

Dr. Gerhard Rupprecht

Drosselweg 3

D 70839 Gerlingen

born: 29.11.1948 in Nürnberg

Marital status: unknown

 

Member of the Supervisory Board:

Dr. Herbert Meyer

Helbighainer Weg 16

D 61462 Königstein

born: 17.09.1946 in Eckernförde

Marital status: married

 

Member of the Supervisory Board:

Dr. Siegfried Jaschinski

D 70173 Stuttgart

born: 21.08.1954

Profession: Businessman

 

Member of the Supervisory Board:

Dr. Klaus Sturany

Rotgerweg 41

D 44229 Dortmund

born: 23.11.1954

Profession: Businessman

 

Member of the Supervisory Board:

Lone Fonss Schroder

DK  Hornbaek

Nationality: danish

 

Representative of the Employees within the Supervisory Board

 

Martin Gauß

D 69115 Heidelberg


Representative of the Employees within the Supervisory Board:

Wolfgang Flörchinger

D 69168 Wiesloch

 

Representative of the Employees within the Supervisory Board:

Gunther Heller

D 73340 Amstetten

 

Representative of the Employees within the Supervisory Board:

Mirko Geiger

D 69115 Heidelberg

 

Representative of the Employees within the Supervisory Board:

Jörg Hofmann

D 69115 Heidelberg

 

Representative of the Employees within the Supervisory Board:

Beate Schmitt

D 69115 Heidelberg

 

Representative of the Employees within the Supervisory Board:

Peter Sudadse

D 69115 Heidelberg

 

 

Proxy

 

Josef Schell

D 69190 Walldorf

authorized to jointly represent the company

born: 17.05.1964

 

 Proxy:

                      Karl-Heinz Filsinger

                      D 69168 Wiesloch

 Proxy:

                      Stephan Knuppertz

                      D 69226 Nußloch

                      authorized to jointly represent the company

                      born: 08.09.1970

 Proxy:

                      Wirnt Galster

                      D 69115 Heidelberg

                      born: 27.06.1963

 Proxy:

                      Dietrich Firnhaber

                      Kastellweg 10

                      D 69120 Heidelberg

                      authorized to jointly represent the company

                      born: 04.08.1965

                      Marital status: married

 Proxy:

                      Manfred Andreas Grundl

                      D 45468 Mülheim

                      born: 12.07.1956

 Proxy:

                      Peter Tix

                      D 69226 Nußloch

                      born: 25.04.1962

 Proxy:

                      Thomas Doyon

                      D 69242 Mühlhausen

                      born: 23.06.1952

 Proxy:

                      Wolfgang Roth

                      D 69493 Hirschberg

 Proxy:

                      Jürgen Grimm

                      Fuchshohl 53

                      D 60431 Frankfurt

                      authorized to jointly represent the company

                      born: 12.03.1970

                      Profession: Businessman

                      Marital status: unknown

 Proxy:

                      Dr. Hubert Straub

                      D 69151 Neckargemünd

 Proxy:

                      Klaus-Peter Gurries

                      Konrad-Adenauer-Ring 9 a

                      D 69226 Nußloch

                      Profession: graduate engineer

                      Marital status: married

 Proxy:

                      Karl-Ulrich Wege

                      D 68789 St. Leon-Rot

                      Profession: graduate engineer

 Proxy:

                      Karl Erich Zirm

                      D 69115 Heidelberg

                      born: 21.09.1955

 Proxy:

                      Hans-Erwin Börncke

                      D 69117 Heidelberg

 Proxy:

                      Christoph Wösler

                      D 69190 Walldorf

                      authorized to jointly represent the company

                      born: 22.03.1962

 Proxy:

                      Heribert Wille

                      D 74889 Sinsheim

                      born: 14.07.1960

 Proxy:

                      Helge Werner

                      D 76669 Bad Schönborn

                      authorized to jointly represent the company

                      born: 18.12.1964

 Proxy:

                      Thomas Schrotz

                      D 68159 Mannheim

                      authorized to jointly represent the company

                      born: 01.02.1964

 Proxy:

                      Achim Schmidt

                      D 68723 Oftersheim

                      authorized to jointly represent the company

                      born: 01.02.1966

 Proxy:

                      Uwe Herold

                      D 76669 Bad Schönborn

                      authorized to jointly represent the company

                      born: 08.02.1966

 Proxy:

                      Dr. Michael Merz

                      Ostlandstr. 15

                      D 69207 Sandhausen

                      authorized to jointly represent the company

                      born: 27.12.1963

 Proxy:

                      Peter Franzen

                      Zur Schönen Aussicht 21

                      D 69434 Hirschhorn

                      authorized to jointly represent the company

                      born: 06.09.1954

 Proxy:

                      Thorsten Christian Kirchmayer

                      D 73033 Göppingen

                      authorized to jointly represent the company

                      born: 20.12.1964

 Proxy:

                      Rupert Felder

                      D 76593 Gernsbach

                      authorized to jointly represent the company

                      born: 05.05.1963

 Proxy:

                      Clemens Schilling

                      D 69168 Wiesloch

                      authorized to jointly represent the company

                      born: 13.04.1962

 Proxy:

                      Frank Kropp

                      D 69256 Mauer

                      authorized to jointly represent the company

                      born: 24.01.1969

 Proxy:

                      Christopher Berti

                      D 69234 Dielheim

                      born: 07.06.1970

 Proxy:

                      Dr. Michael Outschar

                      D 68159 Mannheim

                      authorized to jointly represent the company

                      born: 20.06.1962

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 02.03.2000 - 06.09.2012  President of the Board of Directors

                          Bernhard Schreier

                          D 76646 Bruchsal

 23.09.2009 - 28.07.2011  Member of the Supervisory Board

                          Dr. Werner Brandt

                          D 61348 Bad Homburg

 14.03.2008 - 28.07.2011  Member of the Supervisory Board

                          Dr. Jürgen Heraeus

                          D 63477 Maintal

 01.02.2006 - 28.07.2011  President of the Supervisory Board

                          Prof. Dr. Mark Wössner

                          D 80336 München

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

·         28950   Manufacture of machinery for paper and paperboard  production

2896    Manufacture of machinery for processing plastics and  rubber

46181  Agents involved in the sale of fine mechanical, photo and optical products

 

 

BRANCHES AND FACTORIES

 

 Works:

                      Heidelberger Druckmaschinen

                      Aktiengesellschaft

                      Heidelberger Str.

                      D 14772 Brandenburg

                      TEL.: 03381-770

                      FAX.: 03381-772823


 Works:

                      Heidelberger Druckmaschinen

                      Aktiengesellschaft

                      Egelsee

                      D 73340 Amstetten

                      TEL.: 07331/310

                      FAX.: 07331/313128

 Works:

                      Heidelberger Druckmaschinen

                      Aktiengesellschaft

                      Gutenbergring 2

                      D 69168 Wiesloch

                      TEL.: 06222/820

                      FAX.: 06222/823705

 Works:

                      Heidelberger Druckmaschinen

                      Aktiengesellschaft

                      Gutenbergring 19

                      D 69168 Wiesloch

                      TEL.: 06222/82657-0

 Branch:

                      Heidelberger Druckmaschinen

                      Aktiengesellschaft

                      Dr.-Hell-Str.

                      D 24107 Kiel

                      TEL.: 0431/386-0

                      FAX.: 0431/386-1380

 

 

PARTICIPATIONS

 

 Limited partner:

                      Heidelberger Druckmaschinen Real Estate GmbH

                      & Co KG

                      Gutenbergstr. 20

                      D 69190 Walldorf

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR             10,000.00

                      contribution:

                      Share:             EUR             10,000.00

                      Reg. data:  09.03.2009

                                  Local court 68159 Mannheim

                                  HRA 702260

 Limited partner:

                      SABAL GmbH & Co. Objekt FEZ Heidelberg KG

                      Emil-Riedl-Weg 6

                      D 82049 Pullach

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR              9,910.00

                      contribution:

                      Share:             EUR              9,900.00

                      Reg. data:  19.03.2007

                                  Local court 80333 München

                                  HRA 89858

 Shareholder:

                      Heidelberger Druckmaschinen Vertrieb

                      Deutschland Gesellschaft mit beschränkter

                      Haftung

                      Kurfürsten-Anlage 52-60

                      D 69115 Heidelberg

                      Post Box:

                      10 29 40

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR         25,616,000.00

                      Share:             EUR         25,616,000.00

                      Reg. data:  17.10.1990

                                  Local court 68159 Mannheim

                                  HRB 334038

 Shareholder:

                      Heidelberg Print Finance International

                      Gesellschaft mit beschränkter Haftung

                      Kurfürsten-Anlage 52-60

                      D 69115 Heidelberg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR         10,226,000.00

                      Share:             EUR         10,226,000.00

                      Reg. data:  01.08.1989

                                  Local court 68159 Mannheim

                                  HRB 333747

 Shareholder:

                      Heidelberg Boxmeer Beteiligungs-GmbH

                      Kurfürsten-Anlage 52-60

                      D 69115 Heidelberg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            150,000.00

                      Share:             EUR            150,000.00

                      Reg. data:  28.12.1995

                                  Local court 68159 Mannheim

                                  HRB 335309

 Shareholder:

                      Heidelberg Postpress Deutschland GmbH

                      Kurfürsten-Anlage 52-60

                      D 69115 Heidelberg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             52,000.00

                      Share:             EUR             52,000.00

                      Reg. data:  24.03.2004

                                  Local court 68159 Mannheim

                                  HRB 337660

 Shareholder:

                      Sporthotel Heidelberger Druckmaschinen mit

                      beschränkter Haftung

                      Kurfürsten-Anlage 52-60

                      D 69115 Heidelberg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             26,000.00

                      Share:             EUR             26,000.00

                      Reg. data:  23.06.1992

                                  Local court 68159 Mannheim

                                  HRB 334444

 Shareholder:

                      Kurpfalz Asset Management Gesellschaft mit

                      beschränkter Haftung

                      Kurfürsten-Anlage 52-60

                      D 69115 Heidelberg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             26,000.00

                      Share:             EUR             26,000.00

                      Reg. data:  07.02.1975

                                  Local court 68159 Mannheim

                                  HRB 331010

 Shareholder:

                      Heidelberg CSAT Gesellschaft mit

                      beschränkter Haftung

                      Daimlerstr. 32

                      D 76344 Eggenstein-Leopoldshafen

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,566.00

                      Share:             EUR             25,566.00

                      Reg. data:  09.10.1987

                                  Local court 68159 Mannheim

                                  HRB 104765

 Shareholder:

                      Heidelberg Consumables Holding GmbH

                      Kurfürsten-Anlage 52-60

                      D 69115 Heidelberg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Reg. data:  01.04.2008

                                  Local court 68159 Mannheim

                                  HRB 704147

 Shareholder:

                      Heidelberg Catering Services GmbH

                      Gutenbergring 19

                      D 69168 Wiesloch

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Reg. data:  06.07.2004

                                  Local court 68159 Mannheim

                                  HRB 352069

 Shareholder:

                      KITZ - Kieler Innovations- und

                      Technologiezentrum GmbH

                      Schauenburgerstr. 116

                      D 24118 Kiel

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            474,850.00

                      Share:             EUR             15,450.00

                      Reg. data:  27.10.1994

                                  Local court 24114 Kiel

                                  HRB 4018 KI

 Shareholder:

                      InnovationLab GmbH

                      Speyerer Str. 4

                      D 69115 Heidelberg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             26,400.00

                      Share:             EUR              2,200.00

                      Reg. data:  15.09.2008

                                  Local court 68159 Mannheim

                                  HRB 705066

 

 

FINANCIAL INFORMATION

 

Payment experience:     cash discount/within agreed terms

Negative information:      We have no negative information at hand.

 

 

REAL ESTATE

 

 Type of ownership:        proprietor

 Share:                          100.00 %

 Address                       Kurfürsten-Anlage 52-60

                                    D 69115 Heidelberg

 

 Real Estate of:              Marcel Kiessling

 Type of ownership:        Tenant

 Address                       Königsäcker 41/1

                                    D 68723 Schwetzingen

 

Land register documents were not available.

 

 

BANKERS

 

 Principal bank

 COMMERZBANK, HEIDELBERG, NECKAR

 Sort. code: 67240039, BIC: COBADEFF672

 

 Further banks

 

COMMERZBANK, KIEL

Sort. code: 21040010, Account no.: 7396500, BIC: COBADEFF210

 

DEUTSCHE BANK, HEIDELBERG, NECKAR

Sort. code: 67270003, BIC: DEUTDESM672

 

COMMERZBANK VORMALS DRESDNER BANK, HEIDELBERG, NECKAR

Sort. code: 67280051, BIC: DRESDEFF672

 

SPARKASSE HEIDELBERG, HEIDELBERG, NECKAR

Sort. code: 67250020, BIC: SOLADES1HDB

 

 

FINANCIAL FIGURES

 

 Financial year:      01.04. - 31.03.

 Turnover:            2010/2011          EUR      1,264,808,000.00

                      2011/2012          EUR      1,265,000,000.00

 Profit:              2010/2011          EUR        -22,365,000.00

 further business figures:

 Equipment:                              EUR            500,000.00

 Ac/ts receivable:                       EUR            500,000.00

 Liabilities:                            EUR            500,000.00

 Employees:                                                  9,136

 - Trainees:                                                   583

 

The aforementioned business figures may partly be estimated  information based on average values in the line of business.


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.03

UK Pound

1

Rs.82.43

Euro

1

Rs.70.49

 

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.