MIRA INFORM REPORT

 

 

Report Date :

23.04.2013

 

IDENTIFICATION DETAILS

 

Name :

MATALAN RETAIL LTD.

 

 

Registered Office :

Gillibrands Road, Skelmersdale, West Lancashire, WN8 9TB.

 

 

Country :

United Kingdom

 

 

Financials (as on) :

25.02.2012

 

 

Date of Incorporation :

25.02.1987

 

 

Com. Reg. No.:

02103564

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Retailers of ladies', men's, children's clothing and homewares.

 

 

No. of Employees :

15,858

 

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

(31.03.2011)

Current Rating

(30.06.2012)

United Kingdom

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

UNITED KINGDOM  - ECONOMIC OVERVIEW

 

The UK, a leading trading power and financial center, is the third largest economy in Europe after Germany and France. Over the past two decades, the government has greatly reduced public ownership and contained the growth of social welfare programs. Agriculture is intensive, highly mechanized, and efficient by European standards, producing about 60% of food needs with less than 2% of the labor force. The UK has large coal, natural gas, and oil resources, but its oil and natural gas reserves are declining and the UK became a net importer of energy in 2005. Services, particularly banking, insurance, and business services, account by far for the largest proportion of GDP while industry continues to decline in importance. After emerging from recession in 1992, Britain's economy enjoyed the longest period of expansion on record during which time growth outpaced most of Western Europe. In 2008, however, the global financial crisis hit the economy particularly hard, due to the importance of its financial sector. Sharply declining home prices, high consumer debt, and the global economic slowdown compounded Britain's economic problems, pushing the economy into recession in the latter half of 2008 and prompting the then BROWN (Labour) government to implement a number of measures to stimulate the economy and stabilize the financial markets; these include nationalizing parts of the banking system, temporarily cutting taxes, suspending public sector borrowing rules, and moving forward public spending on capital projects. Facing burgeoning public deficits and debt levels, in 2010 the CAMERON-led coalition government (between Conservatives and Liberal Democrats) initiated a five-year austerity program, which aims to lower London's budget deficit from over 10% of GDP in 2010 to nearly 1% by 2015. In November 2011, Chancellor of the Exchequer George OSBORNE announced additional austerity measures through 2017 because of slower-than-expected economic growth and the impact of the euro-zone debt crisis. The CAMERON government raised the value added tax from 17.5% to 20% in 2011. It has pledged to reduce the corporation tax rate to 23% by 2015. The Bank of England (BoE) implemented an asset purchase program of up to £325 billion (approximately $525 billion) as of February 2011. During times of economic crisis, the BoE coordinates interest rate moves with the European Central Bank, but Britain remains outside the European Economic and Monetary Union (EMU).

Source : CIA


Company Identification Details

 

Subject Reported on

MATALAN RETAIL LTD.

Registration Number

02103564

VAT Number

GB534588616

Address

GILLIBRANDS ROAD, SKELMERSDALE, LANCASHIRE, WN8 9TB.

Telephone

01695 552 400

Facsimile

01695 552 793

Email

info@matalan.co.uk

Web Address

www.matalan.co.uk

 

 

 

 

Official Company Data

 

 

Legal Form

Private Limited

Registration Number

02103564

VAT Number

GB534588616

Subject Status

Trading

Date of Incorporation

25/02/1987

Registered Office

GILLIBRANDS ROAD, SKELMERSDALE, WEST LANCASHIRE, WN8 9TB.

History

3/03/1998 : Change of name from MATALAN DISCOUNT CLUB (CASH & CARRY) LTD..

 

10/12/1992 : Change of name from MATALAN (CASH & CARRY) LIMITED.

 

12/08/1988 : Change of name from MATALAN (SALFORD) LIMITED.

Date of Last Annual Return to Registry

31/07/2012

Accounts

The last filed accounts at Companies House are those to 25/02/2012

Accounting Reference Date

26/02

 

 

 

Operations

 

 

Activities

Retailers of ladies', men's, children's clothing and homewares.

Nace Code

5242

Premises

Owned,Offices,Warehouse

Staff Employed

15,858

Trade Names

MATALAN

Import Countries

EUROPE

Export Countries

EUROPE

Bankers

KAUPTHING BANK NF

Address

SOLTUN 26, 105 REYKJAVIK, ICELAND.

Auditors

PricewaterhouseCoopers LLP

Branches

317 EDGWARE ROAD, CRICKLEWOOD BROADWAY, CRICKLEWOOD, LONDON, NW2 6PH.

 

THE BRAND CENTRE, MOLLISON AVENUE, ENFIELD, EN3 7PH.

 

INSHES RETAIL PARK, INVERNESS, INVERNESS-SHIRE, IV2 3TW.

 

LORENY INDUSTRIAL ESTATE, UMBERLEY ROAD, KILMARNOCK, KA1 5LB.

 

BOUCHER ROAD RETAIL PARK, OFF BOUCHER ROAD, BOUCHER, BELFAST, BT12 6HR.

 

HOLME ROAD, BAMBER BRIDGE, PRESTON, PR5 6BP.

 

155 SLATEFORD ROAD, EDINBURGH, MIDLOTHIAN, EH14 1NZ.

 

QUEDGELEY DISTRICT CENTRE, GLOUCESTER, GLOUCESTERSHIRE, GL2 4PF.

 

UNITS G & H THE TRIUMPH CENTRE, HUNTS CROSS, LIVERPOOL, MERSEYSIDE, L24 9GB.

 

HALTON DISTRICT CENTRE, SELBY ROAD, LEEDS, LS15 7JR.

 

31 OLD BURLINGTON STREET, LONDON, W1S 3AS.

 

WOODLAND STREET, SCOTIA ROAD, STOKE-ON-TRENT, ST6 6AN.

 

 

 

 

Previous Searches

 

Search History Summary

 

Last 3 Months

Last 6 Months

Last 12 Months

9

22

56

 

Search History Details

 

The Search History Details shows details of the most recent 40 searches

 

Date

Description

16/04/2013

Miscellaneous

10/04/2013

Miscellaneous

03/04/2013

Miscellaneous

21/03/2013

Manufacture of metal structures and parts of structures

08/03/2013

Miscellaneous

06/03/2013

Miscellaneous

28/02/2013

Miscellaneous

07/02/2013

Miscellaneous

05/02/2013

Miscellaneous

15/01/2013

Miscellaneous

10/01/2013

Hotels and similar accommodation

22/12/2012

Miscellaneous

17/12/2012

Miscellaneous

14/12/2012

Miscellaneous

07/12/2012

Miscellaneous

04/12/2012

Miscellaneous

21/11/2012

Miscellaneous

16/11/2012

Miscellaneous

07/11/2012

Miscellaneous

06/11/2012

Miscellaneous

05/11/2012

Miscellaneous

19/10/2012

Miscellaneous

18/10/2012

Miscellaneous

21/09/2012

Miscellaneous

21/09/2012

Miscellaneous

20/09/2012

Miscellaneous

20/09/2012

Miscellaneous

18/09/2012

Miscellaneous

18/09/2012

Miscellaneous

10/09/2012

Miscellaneous

23/08/2012

Miscellaneous

23/08/2012

Miscellaneous

16/08/2012

Miscellaneous

17/07/2012

Miscellaneous

16/07/2012

Miscellaneous

12/07/2012

Miscellaneous

10/07/2012

Miscellaneous

10/07/2012

Miscellaneous

06/07/2012

Miscellaneous

04/07/2012

Miscellaneous

 

 

 

Public Record Information

 

 

Summary of CCJ's/Scottish Decrees

 

Period

Last 72 Months

Amount Summary

285

Count Summary

1

Unsettled Amount Summary

285

Highest Amount Summary

285

0

0

 

Details of the most recent CCJ's/Scottish Decrees

 

Date

Amount

Type

Case No

Satisfied

Court

12/05/2009

285

Judgment

9XZ55021

 

NORTHAMPTON CCBC

 

 

 

Summary of Mortgages, Charges and Satisfactions

 

 

Total Number of Mortgages/Charges Registered

9

Number Outstanding

1

Number Partially Satisfied

0

Number Satisfied

8

 

 

Date of Latest Mortgage Created

11/04/2011

Date of Latest Satisfaction

15/04/2011

 

 

 

Details of most recent Mortgages, Charges and Satisfactions

 

 

Date Fully
Satisfied

Date
Registered

Date
Created

Charge
Description

Form Type

Lender

 

16/04/2011

11/04/2011

Debenture

MG01

Lloyds Tsb Bank Plc (As Security Agent)

15/04/2011

07/04/2010

30/03/2010

Debenture

MG01

The Royal Bank Of Scotland Plc

07/04/2010

24/01/2007

18/01/2007

Deed Of Accession And Charge

395

Kaupthing Bank Hf (In Its Capacity As Security Agent For The

27/10/1998

19/05/1994

06/05/1994

Legal Charge

395

Barclays Bank Plc

27/10/1998

25/04/1991

11/04/1991

Debenture

N/A

Barclays Bank Plc

25/06/1992

 

11/04/1991

Legal Charge

403A

Barclays Bank Plc

25/06/1992

 

05/05/1987

Mortgage Debenture

403A

National Westminster Bank Plc

25/06/1992

 

11/04/1991

Legal Charge

403A

Barclays Bank Plc

09/02/1994

 

25/06/1992

Debenture

403A

Credit Lyonnais

 

It should be noted that there is no legal requirement to file satisfaction details of mortgages/charges at Companies House.

 

 

 

Other Filings and Notices

 

 

Date

Source

Description

 

27/02/2013

Companies House Gazette

Notification of any change among the company's directors

18/05/2012

Companies House Gazette

All documents required to be delivered to the registrar under section 441 (annual accounts and reports)

26/05/2011

Companies House Gazette

Notification of any change among the company's directors

16/04/2011

Companies House Gazette

Any amendment to company's articles (including every resolution or agreement required to be embodied in or annexed to copies of the company's articles issued by

23/11/2010

Companies House Gazette

Notification of any change among the company's directors

08/04/2010

Companies House Gazette

Notification of any change among the company's directors

30/03/2010

Companies House Gazette

Notification of any change among the company's directors

08/02/2008

Companies House Gazette

Change among directors of a company

08/11/2007

Companies House Gazette

Change among directors of a company

17/01/2007

Companies House Gazette

Change among directors of a company

10/01/2007

Companies House Gazette

Change among directors of a company

11/12/2006

Companies House Gazette

Change among directors of a company

04/08/2003

Companies House Gazette

Change among directors of a company

28/03/2003

Companies House Gazette

Change among directors of a company

05/12/2002

Companies House Gazette

Change among directors of a company

21/10/2002

Companies House Gazette

Change among directors of a company

02/10/2002

Companies House Gazette

Change among directors of a company

25/01/2002

Companies House Gazette

Change among directors of a company

02/06/2001

Companies House Gazette

Change among directors of a company

16/04/1998

Companies House Gazette

Alteration in memorandum or articles of association

 

 

 

Company Secretary

 

 

Secretary

MR PAUL JOHN THOMAS GILBERT

Service Address

OLDFIELD, ST MARY'S ROAD, BOWDEN, CHESHIRE, WA14 2PJ.

Country of Origin

UNITED KINGDOM

Date of Birth

07/06/1962

Appointment Date

01/02/2007

Other Directorships

HPO1 NOMINEES LIMITED, JONMAR LIMITED, MATALAN LIMITED, MATALAN TRAVEL LIMITED, MATALAN HOLDING COMPANY LIMITED, MATALAN INVESTMENTS LIMITED, THE GYM LIMITED, MATALAN FINANCE PLC, MATALAN GROUP LIMITED, LEAP ADVISORY LTD

 

 

 

Directors

 

 

Director

JOHN NICHOLAS MILLS

Service Address

8 WELBECK ROAD ELLESMERE PARK, ECCLES, MANCHESTER, LANCASHIRE, M30 9EH.

Country of Origin

UNITED KINGDOM

Date of Birth

26/04/1955

Appointment Date

02/01/2007

Other Directorships

HPO1 NOMINEES LIMITED, JONMAR LIMITED, MATALAN LIMITED, CENTRE PARK WARRINGTON (MANAGEMENT) LIMITED, WOLSEY LIMITED, MATALAN TRAVEL LIMITED, JULIEN MACDONALD LIMITED, MATALAN HOLDING COMPANY LIMITED, MATALAN INVESTMENTS LIMITED, MARO DEVELOPMENTS LIMITED, MARO INVESTMENTS LIMITED, MANCHESTER PROPERTY & DEVELOPMENT (NO.2) LIMITED, CENTRAL PLACE MANAGEMENT (WILMSLOW) LIMITED, 188 LORD STREET MANAGEMENT COMPANY LIMITED, STEAM MILL DEPOSITORY MANAGEMENT COMPANY LIMITED, HEATH GATE (HALE) MANAGEMENT LIMITED, STEPTRONIC FOOTWEAR LIMITED, MATALAN FINANCE PLC, MATALAN GROUP LIMITED, OLLERTON DEVELOPMENTS LIMITED, HPO NOMINEES LIMITED, JAYMAX LIMITED, WOLSEY ACQUISITIONS UK LIMITED, ESEGE LIMITED, TORCH ACADEMY GATEWAY TRUST, FENN, WRIGHT AND MANSON LIMITED, BROOMCO (4258) LIMITED, GUILD ACQUISITION LIMITED


Director


MR PAUL JOHN THOMAS GILBERT

Service Address

OLDFIELD, ST MARY'S ROAD, BOWDEN, CHESHIRE, WA14 2PJ.

Country of Origin

UNITED KINGDOM

Date of Birth

07/06/1962

Appointment Date

01/02/2007

Other Directorships

HPO1 NOMINEES LIMITED, JONMAR LIMITED, MATALAN LIMITED, MATALAN TRAVEL LIMITED, MATALAN HOLDING COMPANY LIMITED, MATALAN INVESTMENTS LIMITED, THE GYM LIMITED, MATALAN FINANCE PLC, MATALAN GROUP LIMITED, LEAP ADVISORY LTD


Director


MR DARREN ANTHONY BLACKHURST

Service Address

GILLIBRANDS ROAD, SKELMERSDALE, WEST LANCASHIRE, WN8 9TB.

Country of Origin

UNITED KINGDOM

Date of Birth

10/07/1966

Appointment Date

26/05/2011

Other Directorships

HPO1 NOMINEES LIMITED, JONMAR LIMITED, MATALAN LIMITED, MATALAN TRAVEL LIMITED, MATALAN HOLDING COMPANY LIMITED, MATALAN INVESTMENTS LIMITED, MATALAN FINANCE PLC, MATALAN GROUP LIMITED, GUILD ACQUISITION LIMITED


Director


MR ALLAN LESLIE LEIGHTON

Service Address

GILLIBRANDS ROAD, SKELMERSDALE, WEST LANCASHIRE, WN8 9TB.

Country of Origin

UNITED KINGDOM

Date of Birth

12/04/1953

Appointment Date

05/02/2013

 

 

 

Share Capital

 

 

Shares

Ordinary GBP 1.00

Issued Number

1,000

Principal Shareholder

1,000 Matalan Ltd

 

The above reflects the principle shareholder(s) by number of shares held, irrespective of share classification type.

 

Holding Company

MATALAN LIMITED

Ultimate Parent

MISSOURI TOPCO LTD, a company incorporated in GUERNSEY

 

 

 

Financial Data– Statutory Accounts

 

 

For annual accounts images, view the

 

Profit and Loss

 

The following figures are shown in units of 1000

 

Number of Weeks

52

52

52

52

Accounts Date

25/02/2012

26/02/2011

27/02/2010

28/02/2009

Currency

GBP

GBP

GBP

GBP

SALES

1117500

1096500

1104100

1020000

Cost of goods sold

990000

910200

894300

853400

GROSS PROFIT

127500

186300

209800

166600

Wages and Salaries

131300

128300

130700

118700

Directors Emoluments

2800

6600

4300

4300

Auditors Fees

100

100

100

100

Non-Audit Fees

200

400

200

300

Trading Profit

78700

138500

154300

118100

Depreciation

21400

24200

24900

27000

OPERATING PROFIT

57300

114300

129400

91100

Non Trading Income

600

1500

400

1300

Interest Payable

48000

43000

26600

38600

PRE TAX PROFIT

9900

72800

103200

53800

Taxation

(1400)

20800

35800

17600

PROFIT AFTER TAX

11300

52000

67400

36200

Dividends Payable

 

60000

400

 

RETAINED PROFITS

11300

(8000)

67000

36200

 

Balance Sheet

 

The following figures are shown in units of 1000

 

Number of Weeks

52

52

52

52

Accounts Date

25/02/2012

26/02/2011

27/02/2010

28/02/2009

Currency

GBP

GBP

GBP

GBP

TOTAL FIXED ASSETS

177800

186700

187000

203400

Tangible Assets

157800

164300

166600

185300

Fixed Assets

156700

160300

162300

168300

Intermediate assets

1100

4000

4300

17000

Intangible Assets

20000

22400

20400

18100

TOTAL CURRENT ASSETS

433800

419700

400900

349900

Trade debtors

4300

 

 

 

Stocks

131800

120000

105500

106400

Other Current Assets

297700

299700

295400

243500

Misc Current Assets

17700

18400

33400

85100

Due From Group

184000

198300

164300

103400

Cash

96000

83000

97700

55000

TOTAL ASSETS

611600

606400

587900

553300

TOTAL CURRENT LIABILITIES

288600

308800

248600

232400

Trade creditors

80300

80600

71500

79700

Short Term Loans

144500

155600

84100

83400

Other Finance

1200

12300

400

 

Due To Group

143300

143300

83700

83400

Other Liabilities

63800

72600

93000

69300

WORKING CAPITAL

145200

110900

152300

117500

TOTAL LONG TERM LIABS

59600

59000

63200

75100

Long Term Loans

 

2500

 

 

Other Finance

 

2500

 

 

Other Liabilities

59600

56500

63200

75100

NET ASSETS/(LIABILITIES)

263400

238600

276100

245800

SHARE CAPITAL + RESERVES

263400

238600

276100

245800

Share Cap + Sundry Res

1600

(9600)

13200

53700

Sundry Reserves

1600

(9600)

13200

53700

Profit and Loss account

261800

248200

262900

192100

SHAREHOLDERS FUNDS

263400

238600

276100

245800

CAPITAL EMPLOYED

323000

297600

339300

320900

 

Financial Comparison

 

The following figures are shown in units of 1000

 

Number of Weeks

52

52

52

52

Accounts Date

25/02/2012

26/02/2011

27/02/2010

28/02/2009

Currency

GBP

GBP

GBP

GBP

Net Cashflow from Oper.

80000

79400

117300

77400

Increase in Cash

13000

(14700)

42700

(11100)

Directors Remuneration

2800

6600

4300

4300

Auditors Remuneration

100

100

100

100

Liquid Assets

100300

83000

97700

55000

Net Working Capital

145200

110900

152300

117500

Long Term Debt(>12 Months)

 

2500

 

 

Other Deferred Liabs

59600

56500

63200

75100

Tangible Net Worth(T.N.W)

243400

216200

255700

227700

Equity

263400

238600

276100

245800

Number of Years Trading

25

24

23

22

Number of Employees

15858

16144

16627

15041

Profit per Employee

624.3

4509.4

6206.8

3576.9

Sales per Employee

70469.2

67920

66404

67814.6

 

Key Credit Ratios

 

The following figures are shown as Ratios or Percentages

 

Accounts Date

25/02/2012

26/02/2011

27/02/2010

28/02/2009

Current Ratio

1.5

1.4

1.6

1.5

Pre Tax Profit Margin%

0.9

6.6

9.3

5.3

Gross Profit%

11.4

17

19

16.3

Debtors Days (D.S.O)

1

 

 

 

Creditors Days (D.P.O)

26

27

24

29

Quick Ratio

1

1

1.2

1

W.I.P/Inventory Days

48.6

48.1

43.1

45.5

Return on Investment%

12.4

25.6

30.7

22.9

Return on Assets%

1.6

12

17.6

9.7

T.N.W/Total Assets%

39.8

35.7

43.5

41.2

Return on Capital%

3.1

24.5

30.4

16.8

Rtn on Shareholders Funds%

3.8

30.5

37.4

21.9

Working Capital/Sales%

13

10.1

13.8

11.5

Borrowing Ratio%

59.4

73.1

32.9

36.6

Equity Gearing%

75.6

64.9

88.6

79.9

Stock Turnover

8.5

9.1

10.5

9.6

Days Purchases Outstanding

29.6

32.3

29.2

34.1

Sales/Fixed Assets

7.1

6.8

6.8

6.1

Debt Gearing

 

1.2

 

 

 

 

 

Key Industry Sector Trends

 

 

Year

2013

2012

2011

2010

Sample Size

215

26262

38437

37439

Pre-Tax Profit Margin

3.3

2.3

1.8

1.6

Current Ratio

1.8

1.3

1.3

1.3

Borrowing Ratio

(64.5)

31.9

33.7

25.8

Return on Capital

(24.9)

33.6

34.1

38.7

Creditors Days

46

86

106

109

 

Above figures relate to companies in 2003 Standard Industry Classification (Nace) sector : Other retail sale of new goods in specialised stores

 

 

 

Financial Summary

 

 

Auditors Qualification

The Auditors have expressed a clean opinion (i.e. unqualified with no referrals) on the accounts for the period ended 25/02/2012.

 

Turnover

The subjects turnover has increased by 2 % in the year.

 

Operating Profit

Totalled GBP 57,300,000. In the year prior a Profit of GBP 114,300,000 was achieved.

 

Pre Tax Profit

The subject's profit decreased by 86 % over the previous year.

 

Working Capital

The company's working capital has increased by 31 % in the period.

 

Net Worth

Net worth has increased by 10 % and now stands at GBP 263,400,000.

 

Fixed Assets

The subject's fixed assets reduced during the year by GBP 8,900,000 to GBP 177,800,000 and are now 29 % of total assets compared with 30 % in the previous year.

 

Long Term Liabilities

The company's long term liabilities increased during the period by 1% and are now 23 % of net worth compared with 25 % in the previous period.

 

Long Term Liabilities

Long term liabilities are now 10 % of total liabilities compared with 10 % in the previous period.

 

Long Term Liabilities

Long term liabilities are 18 % of capital employed, a decrease of 2 % over the previous period.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.16

UK Pound

1

Rs.82.45

Euro

1

Rs.70.70

 

 

INFORMATION DETAILS

 

Report Prepared by :

PRL

 

 

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.