MIRA INFORM REPORT

 

 

Report Date :

07.12.2013

 

IDENTIFICATION DETAILS

 

Name :

GALAXY JEWELLERY FINANCIAL SERVICES (PTY)LTD

 

 

Registered Office :

1 Canal Close Century Boulevard Century City 7441

 

 

Country :

South Africa

 

 

Date of Incorporation :

24.05.2005

 

 

Com. Reg. No.:

M2005/016864/07

 

 

Legal Form :

Private Company

 

 

Line of Business :

·         supplier of diamond jewellery to the jewellery chain store industry throughout South Africa.

·         Engaged in selling quality fine jewellery, predominantly in the diamond ring categories, supported by contemporary ranges of gold and silver jewellery and international watch brands.

 

 

No. of Employees :

Not Available 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

TATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

 

 

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 – September 30th, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

South Africa

A2

A2

 

Risk Category

ECGC Classification

 

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

South Africa ECONOMIC OVERVIEW

 

South Africa is a middle-income, emerging market with an abundant supply of natural resources; well-developed financial, legal, communications, energy, and transport sectors and a stock exchange that is the 15th largest in the world. Even though the country possesses modern infrastructure that support a relatively efficient distribution of goods to major urban centers throughout the region, some components retard growth. The economy began to slow in the second half of 2007 due to an electricity crisis. State power supplier Eskom encountered problems with aging plants and meeting electricity demand necessitating "load-shedding" cuts in 2007 and 2008 to residents and businesses in the major cities. Subsequently, the global financial crisis reduced commodity prices and world demand. GDP fell nearly 2% in 2009 but has recovered since then. Unemployment, poverty, and inequality remain a challenge, with official unemployment at nearly 25% of the work force. State power supplier Eskom has built two new power stations and installed new power demand management programs to improve power grid reliability. South Africa's economic policy has focused on controlling inflation, however, the country has had significant budget deficits that restrict its ability to deal with pressing economic problems. The current government faces growing pressure from special interest groups to use state-owned enterprises to deliver basic services to low-income areas and to increase job growth.

 

Source : CIA

 

 

 

Subject Name

GALAXY AND CO (PTY)LTD

Country

South Africa

Enquiry Terms

30 days

Account Review

Recommended every 6 months

Subject Contact Person

STEPHAN OLIVIER (CEO)

Assessment

This is a well-established business.

 

On investigation we made contact with STEPHAN OLIVIER (CEO), who declined to assist with the required information.

 

Please see the available information on the subject below.

 

 

Company information

 

Registered Name

GALAXY JEWELLERY FINANCIAL SERVICES (PTY)LTD

Trading as/ Division Name

GALAXY AND CO

Previous Name

None

Registration Number

M2005/016864/07

Registration Date

2005/05/24

Date Commenced Trading

2005-05-24

Age of Business

8 Years 6 Months

History of Business

Galaxy was founded in 1930 by Mr. Icky Kurgan, under the name of I Kurgan & Co (Pty) Limited, a significant supplier to all major jewellery retail chains in South Africa.

 

By 1970 Galaxy became the major supplier of diamond jewellery to the jewellery chain store industry throughout South Africa.

 

The gold price spiked resulting in high commodity prices which resulted in a drop in unit sales forcing jewellery retailers to cut orders dramatically. Kurgan & Co, in an effort to keep the factory production going, responded to this downturn by opening its own retail outlets; Galaxy & Co.

History of Principals

There are 6 principles within the subject

Shareholders/Members/Partners of subject and % holding

In 2005 the incumbent management team purchased the business from Mr. Price, as it was formerly a subsidiary company of the Mr Price group.

Authorised Share Capital

R1000.00

Issued Share Capital/Members Contribution

R 120.00

Status

Deregistration Final

Operations Assessment

The subject main operation is to supply diamond jewellery.

 

Engaged in selling quality fine jewellery, predominantly in the diamond ring categories, supported by contemporary ranges of gold and silver jewellery and international watch brands.

Major Industry Code / SICC

39211

Definition of Code

Jewellery and related articles of precious and semi­precious compounds

Head Office Physical Address

1 Canal Close Century Boulevard Century City 7441.

 

The address provided below belongs to the Distribution Centre of the subject09 Drukkery Road Goodwood CAPE TOWN7460

 

Head Office Postal Address

P O BOX 3282 CAPE TOWN 8001

 

Current Tel Number

0215903600

 

Cell Number

0868869953

 

Web Site Address

www.galaxyandco.co.za

 

Comments

The subject status on CIPC is Deregistered- due to annual return non-compliance, however Mrs Neethling stated that they the company is active We have contacted the auditors and await a reply.

 

 

 

Auditors information

 

 

Company Registered Name

KPMG INC

Registration Number

1999/021543/21

Physical Address

KPMG HouseNarvic DriveGreenacres6045

Postal Address

P O BOX 1662PORT ELIZABETH6000

Contact Person

MICHELLE

Contact Number

0413951500

Email

info@kpmg.com

Practice Number

900117E

VAT Number

4530188665

Tax Number

9559555843

BEE Status

Level 2

No of years in Business

6 Years 9 Months

Website

www.kpmg.co.za

 

Previous Auditors Information - No Information on Record

 

 

Tax Information

 

Vat Number

Unavailable

Tax Number

9427680153

Financial Year End

Unavailable

 

Black Economic Empowerment Information - No Information on Record

 

ISO Information - No Information on Record

 

Work Mans Information - No Information on Record

 

Company Structure

 

Subsidiaries Information - No Information on Record

 

Employees Information - No Information on Record

 

Company Fleet Information - No Information on Record

 

Offices Information - No Information on Record

 

 

Branch Information

 

Branch Detail Information

Comment

Galaxy & Co today is the largest independent jewellery retail chain in Southern Africa with a national footprint of 80 stores situated in every major shopping centre and high street location throughout the country with 3 stores in Namibia. The Namibia stores are held by a wholly owned subsidiary of Galaxy in the form of Galaxy Jewellers Africa (Pty) Limited.

 

 

Management Overview

 

Organisation Chart

 

 

Level

Position

Name

Comment

 

1

CEO

STEPHANUS JANKOBUS

 

OLIVIER

 

 

Company Structure Information - No Information on Record

 

Note: One level up and all levels down

 

Key Deals - No Information on Record

 

Trade References Information - No Information on Record

 

 

Adverse Information on Subject

 

Judgements - No information on record

 

Business Rescue - No Information on Record

 

Default Listing - No information on record

 

Notarial Bonds - No information on record

 

Bank Information - No Information on Record

 

Bank Code History - No Information on Record

 

Previous Bank Account Information - No Information on Record

 

Deeds Information - No information on record

 

 

Principals

 

Number of Principals

6

Average Age of Active Principals

52

 

Active Principals

Principal - 1 of 6 GAVIN BLIGNAUT

Surname

BLIGNAUT

First Name

GAVIN

Other Names

RODNEY

Marital Status

 

ID Number

7002115263088

Verified ID Number

Yes

Current Age

43 Years 9 Months

Designation

BUSINESSMAN

Status

Active

Appointment Date

2005/05/24

Physical Address (at time of Appointment)

6 PERDEBOS STREET,PROTEA VALLEY 7530

Postal Address

P O BOX 3282CAPE TOWN8001

Current Tel Number

0215903600

Cell number

0834634873

Shareholding/Membership

0.00

 

Principal's Adverse - No information on record

 

Business Information for GAVIN BLIGNAUT

 

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

GALAXY

JEWELLERS

(PTY)LTD

M2003/019954/07

In Business

10 Years 10 Months

0

No

 

 

 

Principal Previous Business Interests

 

Average Age of Previous Business                                                           12 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

10 ROTTERDAM ROAD INVESTMENT HOLDING COMPANY (PTY)LTD

M1997/014982/07

Deregistration Final

16 Years 4 Months

0

No

 

GALAXY JEWELLERY FINANCIAL SERVICES (PTY)LTD

M2005/016864/07

Deregistration Final

8 Years 8 Months

0

No

 

 

Principal Deeds Information

 

Property Interests for GAVIN BLIGNAUT

 

Title Deed No.

T22946/2011

Erf/Site No.

 

Deeds Office

CAPE TOWN

Physical Address

23 LEIDEN UITZICHT SECURITY ESTATE DURBANVILLE

Property Type

Freehold

Extent / Size

620.0SQM

Purchase Date

2011/02/15

Purchase price

 

% Ownership

0.00

Bond Holder

A B S A BANK LTD

Bond Number

B120712011

Bond Amount

 

 

Principal - 2 of 6

 

RICHARD BUTTERFIELD

 

Surname

BUTTERFIELD

First Name

RICHARD

Other Names

None

Marital Status

 

ID Number

5012305072183

Verified ID Number

Yes

Current Age

62 Years 11 Months

Designation

BUSINESSMAN

Status

Active

Appointment Date

2005/05/24

Physical Address (at time of Appointment)

7 MARAIS ROADHOUT BAY7806

Postal Address

7 MARAIS ROAD HOUT BAY7806

Current Tel Number

0217902356

Cell number

0826555427

Shareholding/Membership

0.00

 

Principal's Adverse - No information on record

 

Business Information for RICHARD BUTTERFIELD

 

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

BUTTERSOULE CHOCOLATE CC

B2011/033332/23

In Business

2 Years 2 Months

0

No

 

MAISON DE CHOCOLAT RESTAURANT CC

B2011/033137/23

In Business

2 Years 2 Months

0

No

 

SOLAR ESCAPE INVESTMENTS CC

B1996/028817/23

In Business

17 Years 5 Months

0

No

 

TOELANI

CONSTRUCTION

CC

B1998/035491/23

In Business

15 Years 3 Months

0

No

 

 

Principal Previous Business Interests

 

Average Age of Previous Business                                               13 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

221 NEPTUNE'S ISLE PROPERTIES CC

B1997/046622/23

Deregistration Final

16 Years 4 Months

0

No

 

ALAIRE PROPERTIES CC

B1996/012067/23

Deregistration Final

17 Years 5 Months

0

No

 

GALAXY JEWELLERS (PTY)LTD

M2003/019954/07

In Business

10 Years 10 Months

0

No

 

GALAXY JEWELLERY FINANCIAL SERVICES (PTY)LTD

M2005/016864/07

Deregistration Final

8 Years 8 Months

0

No

 

GALPROP (PTY)LTD

2007/030682/07

Deregistration Final

6 Years 6 Months

0

No

 

STORECO MANAGEMENT SERVICES (PTY)LTD

M1968/000687/07

Deregistration Final

45 Years 9 Months

0

No

 

TESSUTI RETAIL (PTY)LTD

M2007/025289/07

In Business

6 Years 6 Months

0

No

 

THE BUSINESS ZONE 786 CC

2004/054616/23

Deregistration Final

9 Years 9 Months

0

No

 

WESTPORT TRADING (PTY)LTD

M2007/000519/07

In Business

6 Years 6 Months

0

No

 

 

Principal deeds information

 

Property Interests for RICHARD BUTTERFIELD

 

Title Deed No.

T66419/2006

Erf/Site No.

 

Deeds Office

CAPE TOWN

Physical Address

7 MARAIS SCOTT ESTATE HOUT BAY

Property Type

Freehold

Extent / Size

774.0SQM

Purchase Date

2006/06/01

Purchase price

 

% Ownership

0.00

Bond Holder

 

Bond Number

 

Bond Amount

 

 

Property Interests for RICHARD BUTTERFIELD

Title Deed No.

ST1357/2013

Erf/Site No.

18712

Deeds Office

CAPE TOWN

Physical Address

22 CHEPSTOWE TIJGERHOF MILNERTON

Property Type

Sectional Title

Extent / Size

76.0SQM

Purchase Date

2010/03/18

Purchase price

 

% Ownership

0.00

Bond Holder

A B S A BANK LTD

Bond Number

SB4102013

Bond Amount

 

 

Principal - 3 of 6

 

DARRNE KRAMER

 

Surname

KRAMER

First Name

DARRNE

Other Names

JEFFREY

Marital Status

 

ID Number

6210245035083

Verified ID Number

Yes

Current Age

51 Years 1 Months

Designation

EXECUTIVE

Status

Active

Appointment Date

2005/05/24

Physical Address (at time of Appointment)

1 PADMA ESTATE, AMANDA LANE, MORNINGSIDE, JOHANNESBURG, GAUTENG, 2196

Postal Address

PO BOX 967, WENDYWOOD, WENDYWOOD, 2144

Current Tel Number

0112694040

Cell number

0833266554

Shareholding/Membership

0.00

 

Principal's Adverse - No information on record

 

Business Information for DARRNE KRAMER

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

ACDOCO SA 2007 (PTY)LTD

M2007/007186/07

In Business

6 Years 6 Months

0

No

 

ADW CAPITAL (PTY)LTD

K2013/209419/07

In Business

0

0

No

 

ASTLEY

PROPERTIES

(PTY)LTD

M2000/020527/07

In Business

13 Years 1 Months

0

No

 

CAPITAL GATE (PTY)LTD

M2006/031499/07

In Business

7 Years 7 Months

0

No

 

CAPITAL GATE HOLDINGS CC

B2007/107909/23

In Business

6 Years 6 Months

0

No

 

CAPITAL GATE ONE (PTY)LTD

M2007/028667/07

In Business

6 Years 6 Months

0

No

 

CLIFTON DUNES INVESTMENTS 214 (PTY)LTD

M2005/008401/07

In Business

8 Years 8 Months

0

No

 

INCUBETA HOLDINGS (PTY)LTD

M2004/016127/07

In Business

9 Years 9 Months

0

No

 

MOSS MORRIS

BUSINESS

ADVISORY

SERVICES

(PTY)LTD

M1997/011616/07

In Business

16 Years 4 Months

0

No

 

MYSTIC BLUE TRADING 391 CC

B2008/143336/23

In Business

5 Years 5 Months

0

No

 

NOTEWORTHY TRADE 16 (PTY)LTD

2010/005639/07

In Business

3 Years 3 Months

0

No

 

SSA

ACCELERATION GROUP (PTY)LTD

K2013/178035/07

In Business

0

0

No

 

STRAWBERRY ROSE (PTY)LTD

M2005/011950/07

In Business

8 Years 8 Months

0

No

 

 

Principal Previous Business Interests

 

Average Age of Previous Business                                                           10 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

ACDOCO S A (PTY)LTD

M2007/007226/07

Deregistration Final

6 Years 6 Months

0

No

 

AMERICAN HOME IMPROVEMENTS CC

B1991/026955/23

Deregistration Final

22 Years 10 Months

0

No

 

BATSWADI

PHARMACEUTICALS

(PTY)LTD

M2005/027838/07

In Business

8 Years 8 Months

0

No

 

CORPORATE PERFOMANCE INVESTMENT HOLDINGS (PTY)LTD

M1997/006700/07

Deregistration Final

16 Years 4 Months

0

No

 

DARREN KRAMER AND ASSOCIATES CC

B1990/002295/23

Deregistration Final

23 Years 11 Months

0

No

 

ENS BUSINESS ADVISORY SERVICES (PTY)LTD

2004/016197/07

Deregistration Final

9 Years 9 Months

0

No

 

FOONDI MEDIA SOLUTIONS (PTY)LTD

M2008/001792/07

In Business

5 Years 5 Months

0

No

 

GALAXY JEWELLERS (PTY)LTD

M2003/019954/07

In Business

10 Years 10 Months

0

No

 

GALAXY JEWELLERY FINANCIAL SERVICES (PTY)LTD

M2005/016864/07

Deregistration Final

8 Years 8 Months

0

No

 

LEW GEFFEN FINANCIAL SERVICES CC

B2004/075649/23

Conversion CO/CC or CC/CO

9 Years 9 Months

0

No

 

MATES BEAUTY (PTY)LTD

M2000/025973/07

Voluntary Liquidation

13 Years 1 Months

0

Yes

 

PRECIOUS PROSPECT TRADING 273 (PTY)LTD

2008/001790/07

In Business

5 Years 5 Months

0

No

 

SASFIN FINANCIAL ADVISORY SERVICES (PTY)LTD

1997/010819/07

In Business

16 Years 4 Months

0

No

 

WESTPORT TRADING (PTY)LTD

M2007/000519/07

In Business

6 Years 6 Months

0

No

 

WRC TRADING (PTY)LTD

M2006/016622/07

Deregistration Final

7 Years 7 Months

0

No

 

 

Principal Deeds Information

 

Property Interests for DARRNE KRAMER

 

Title Deed No.

 

Erf/Site No.

 

Deeds Office

 

Physical Address

 

Property Type

 

Extent / Size

 

Purchase Date

 

Purchase price

 

% Ownership

 

Bond Holder

 

Bond Number

 

Bond Amount

 

Comment

 

 

Principal - 4 of 6 STEPHANUS OLIVIER

 

Surname

OLIVIER

First Name

STEPHANUS

Other Names

JANKOBUS

Marital Status

 

ID Number

6109045011080

Verified ID Number

Yes

Current Age

52 Years 2 Months

Designation

BUSINESSMAN

Status

Active

Appointment Date

2005/05/24

Physical Address (at time of Appointment)

6 GROBLER STREETDURBANVILLE7550

Postal Address

P O BOX 3282CAPE TOWN 8001

Current Tel Number

0215903600

Cell number

0826575124

Shareholding/Membership

0.00

 

Principal's Adverse - No information on record

 

Business Information for STEPHANUS OLIVIER

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

EVANGELISE AFRICA TODAY

M2002/024973/08

In Business

11 Years 11 Months

0

No

 

GALAXY HOLDINGS (PTY)LTD

M2010/017557/07

In Business

3 Years 3 Months

0

No

 

GALAXY

JEWELLERS

(PTY)LTD

M2003/019954/07

In Business

10 Years 10 Months

0

No

 

STEPHAN OLIVIER GENOTE

6109045011080

 

Unknown

0

No

 

 

Principal Previous Business Interests

 

Average Age of Previous Business                                                                       9 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

CANYON SPRINGS INVESTMENTS 133 (PTY)LTD

M2007/034171/07

Deregistration Final

6 Years 6 Months

0

No

 

CROWN HILL PROPERTIES 111 CC

2004/059519/23

Deregistration Final

9 Years 9 Months

0

No

 

ETHICON (PTY)LTD

M1998/004329/07

Deregistration Final

15 Years 3 Months

0

No

 

GALAXY JEWELLERY FINANCIAL SERVICES (PTY)LTD

M2005/016864/07

Deregistration Final

8 Years 8 Months

0

No

 

GALPROP (PTY)LTD

2007/030682/07

Deregistration Final

6 Years 6 Months

0

No

 

HA-AMI INVESTMENTS CC

B2000/073872/23

Deregistration Final

13 Years 1 Months

0

No

 

MODEL CASH BUTCHERIES CC

B1996/000428/23

Provisional Liquidation

17 Years 5 Months

0

Yes

 

SILVEX 104 CC

2004/059273/23

Deregistration Final

9 Years 9 Months

0

No

 

TESSUTI RETAIL (PTY)LTD

M2007/025289/07

In Business

6 Years 6 Months

0

No

 

WESTPORT TRADING (PTY)LTD

M2007/000519/07

In Business

6 Years 6 Months

0

No

 

WRC TRADING (PTY)LTD

M2006/016622/07

Deregistration Final

7 Years 7 Months

0

No

 

 

Principal Deeds Information

 

Property Interests for STEPHANUS OLIVIER

 

Title Deed No.

T16247/1997

Erf/Site No.

0

Deeds Office

CAPE TOWN

Physical Address

10 BIRKENHEAD DE KELDERS DE KELDERS

Property Type

Freehold

Extent / Size

616SQM

Purchase Date

1996/10/03

Purchase price

 

% Ownership

0.00

Bond Holder

FIRST NAT BANK

Bond Number

B118841997

Bond Amount

 

Comment

 

 

Principal - 5 of 6

 

MICHAEL SMITH

 

Surname

SMITH

First Name

MICHAEL

Other Names

CARLIN

Marital Status

 

ID Number

5703075220081

Verified ID Number

Yes

Current Age

56 Years 8 Months

Designation

BUSINESSMAN

Status

Active

Appointment Date

2005/05/24

Physical Address (at time of Appointment)

27 GROBLER STREETDURBANVILLE7550

Postal Address

P O BOX 3282CAPE TOWN8001

Current Tel Number

0118733106

Cell number

0833215308

Shareholding/Membership

0.00

 

Principal's Adverse - No information on record

 

 

Business Information for MICHAEL SMITH

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

GALAXY

JEWELLERS

(PTY)LTD

M2003/019954/07

In Business

10 Years 10 Months

0

No

 

 


Principal Previous Business Interests

 

Average Age of Previous Business                                                           9 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

GALAXY JEWELLERY FINANCIAL SERVICES (PTY)LTD

M2005/016864/07

Deregistration Final

8 Years 8 Months

0

No

 

GALPROP (PTY)LTD

2007/030682/07

Deregistration Final

6 Years 6 Months

0

No

 

ND-MS TRADING ENTERPRISES CC

M1994/020355/23

Deregistration Final

19 Years 7 Months

0

No

 

TESSUTI RETAIL (PTY)LTD

M2007/025289/07

In Business

6 Years 6 Months

0

No

 

WESTPORT TRADING (PTY)LTD

M2007/000519/07

In Business

6 Years 6 Months

0

No

 

 

Principal Deeds Information

 

Property Interests for MICHAEL SMITH

 

Title Deed No.

T114624/2003

Erf/Site No.

 

Deeds Office

CAPE TOWN

Physical Address

27 GROBLER AURORA DURBANVILLE

Property Type

Freehold

Extent / Size

1250.0SQM

Purchase Date

2003/09/23

Purchase price

 

% Ownership

0.00

Bond Holder

NEDBANK LTD

Bond Number

B745882003

Bond Amount

 

Comment

 

 

Principal - 6 of 6

 

HEIN STOOP

 

Surname

STOOP

First Name

HEIN

Other Names

LAUN

Marital Status

 

ID Number

6104195070002

Verified ID Number

Yes

Current Age

52 Years 7 Months

Designation

BUSINESSMAN

Status

Active

Appointment Date

2005/05/24

Physical Address (at time of Appointment)

8 KAREEBERG PLACE, ALBERTSDAL, ALBERTON, 1450

Postal Address

P O BOX 145416, BRACKEN GARDENS, 1450

Current Tel Number

0215903600

Cell number

0834434318

Shareholding/Membership

0.00

 

Principal's Adverse - No information on record

 

Business Information for HEIN STOOP

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

CUPID''S CAVE CC

B1995/016705/23

Deregistration Process

18 Years 6 Months

0

No

 

 

Principal Previous Business Interests

 

Average Age of Previous Business                                                           9 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

GALAXY JEWELLERS (PTY)LTD

M2003/019954/07

In Business

10 Years 10 Months

0

No

 

GALAXY JEWELLERY FINANCIAL SERVICES (PTY)LTD

M2005/016864/07

Deregistration Final

8 Years 8 Months

0

No

 

 

 


 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.67

UK Pound

1

Rs.100.65

Euro

1

Rs.84.25

 

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.