MIRA INFORM REPORT

 

 

Report Date :

12.12.2013

 

IDENTIFICATION DETAILS

 

Name :

PSP LIMITED

 

 

Registered Office :

320 Rosedale Road, Albany, Auckland, 0632

 

 

Country :

New Zealand

 

 

Date of Incorporation :

15.11.1996

 

 

Com. Reg. No.:

835414

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Import and distributor of plastic sheets, architectural and building products, decorative products

 

 

No. of Employees :

47

 

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 – March, 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

New Zealand

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

NEW ZEALAND - ECONOMIC OVERVIEW

 

Over the past 20 years the government has transformed New Zealand from an agrarian economy dependent on concessionary British market access to a more industrialized, free market economy that can compete globally. This dynamic growth has boosted real incomes - but left behind some at the bottom of the ladder - and broadened and deepened the technological capabilities of the industrial sector. Per capita income rose for ten consecutive years until 2007 in purchasing power parity terms, but fell in 2008-09. Debt-driven consumer spending drove robust growth in the first half of the decade, helping fuel a large balance of payments deficit that posed a challenge for economic managers. Inflationary pressures caused the central bank to raise its key rate steadily from January 2004 until it was among the highest in the OECD in 2007-08; international capital inflows attracted to the high rates further strengthened the currency and housing market, however, aggravating the current account deficit. The economy fell into recession before the start of the global financial crisis and contracted for five consecutive quarters in 2008-09. In line with global peers, the central bank cut interest rates aggressively and the government developed fiscal stimulus measures. The economy posted a 2% decline in 2009, but pulled out of recession late in the year, and achieved roughly 2% per year growth in 2010-12. Nevertheless, key trade sectors remain vulnerable to weak external demand. The government plans to raise productivity growth and develop infrastructure, while reining in government spending.

 

Source : CIA

 


IDENTIFICATION DETAILS

 

Verified Address

 

Subject name :                         PSP LIMITED

Business address :                    320 Rosedale Road

Town :                                       Albany

Province :                                  Auckland

Zip/postal code :                        0632

Country :                                   New Zealand

Tel :                                          +64 9 4152800

Fax :                                         +64 9 4152809

Email :                                      customerservices@psp.co.nz

Website :                                  www.psp.co.nz

 

Registered address :                  320 Rosedale Road

Town :                                       Albany

Province :                                  Auckland

Zip/postal code :                        0632

Country :                                   New Zealand

Postal address :                        P.O. Box 101 851

North Shore Mail Centre

Town :                                       North Shore City

Province :                                  Auckland

Zip/postal code :                        0745

Country :                                   New Zealand

 

 

SUMMARY DETAILS

 

Executive Summary

 

Date founded or registered :        15/11/1996

Legal form :                               Private Limited Company

Chief executive :                        Graham William Gibbs

Issued & paid up capital :           NZD 10,000

Sales turnover :                          NZD 26,000,000 (Estimated Non-Consolidated 12 months, 31/03/2013)

Line of business :                       Import and distributor of plastic sheets, architectural and building products,

decorative products

Staff employed :                         47 employees

 

 

Company Analysis

 

Country risk :                             Country risk is minimal

Operation trend :                        Operational trend is steady

Management experience :           Management is adequately experienced

Financial performance :              Financial performance is fair

Organization structure :              Organizational structure is stable

Detrimental :                              No detrimental found

Payment history :                      No payment delays noted

 

 

STATUTORY DETAILS

 

Registry Data

Registration date :                      15/11/1996

Legal form :                               Private Limited Company

Registration no                          835414

Registered authority :                 New Zealand Companies Office

Fiscal/ Tax no :                          9429038193958

Registry status :                        Live/Active

Previous name :                         None reported.

Change of legal form :                 None reported

.

 

MANAGEMENT / DIRECTORS

 

Key Management

 

Name :                                      Graham William Gibbs

Designation :                             Managing Director

Name :                                      Dean Raymond Hodgson

Designation :                             Director

 

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

 

Name :                                      Roydon Andrew Dew

Designation :                             Director

Appointment date :                     01/08/07

Address :                                  4 Helmsdale Court

Huntington, Hamilton 3210

New Zealand

 

Name :                                      Graham William Gibbs

Designation :                             Director

Appointment date :                     15/11/96

Address :                                  10 Audrey Road

Takapuna, Auckland 0620

New Zealand

 

Name :                                      Dean Raymond Hodgson

Designation :                             Director

Appointment date :                     01/08/07

Address :                                  18 Pimento Place

New Lynn, Auckland 0600

New Zealand

Staff employed :                         47 employees

 

 

SHARE CAPITAL

 

Composition

 

Authorized Capital :                    NZD 10,000

No of shares :                            10,000 Shares

Share par value :                        NZD 1

Issued capital :                          NZD 10,000

Paid up capital :                         NZD 10,000

 

 

OWNERSHIP / SHAREHOLDERS

 

How listed :                               Full List

 

Composition

 

Shareholder name :                    Jointly held by Graham William Gibbs & Dean Raymond Hodgson

Address :                                  Graham William Gibbs

10 Audrey Road

Takapuna, Auckland 0620

New Zealand

 

Dean Raymond Hodgson

18 Pimento Place

New Lynn, Auckland 0600

New Zealand

No. of shares :                           10,000 Shares

% of shares :                             100%

 

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

 

Structure

 

Name :                                      LEAST OPTIONS LIMITED

Affiliation type :                          Wholly-owned Subsidiary

Address :                                  320 Rosedale Road

Albany, Auckland 0632

New Zealand

 

Name :                                      PROUDTREAT (2003) LIMITED

Affiliation type :                          Wholly-owned Subsidiary

Address :                                  320 Rosedale Road

Albany, Auckland 0632

New Zealand

 

Name :                                      PSP STONECRAFT LIMITED

Affiliation type :                          Sister Company

Address :                                  28 Poland Road

Wairau Valley, Auckland 0627

New Zealand

 

Name :                                      TRANSFORM PACKAGING LIMITED

Affiliation type :                          Sister Company

Address :                                  C/o MARLEY LOFT LIMITED

Level 6, 130 Broadway

Newmarket, Auckland 1023

New Zealand

 

Name :                                      TRANSFORM TECHNOLOGIES LIMITED

Affiliation type :                          Sister Company

Address :                                  C/o MARLEY LOFT LIMITED

Level 6, 130 Broadway

Newmarket, Auckland 1023

New Zealand

 

 

BANK & MORTGAGES

 

Bank Details

 

Name of bank :                          ANZ Bank New Zealand Limited

Address :                                  New Zealand

Account details :                        Current Account

 

Comments :                              It is generally not the policy of local banks to provide credit status information to

non related parties, however interested parties would be advised to consult first

with the Subject if banker's references are required.

 

Mortgages :                              None reported.

 

Legal Fillings

 

Bankruptcy fillings :                    None reported.

Court judgements :                     None reported.

Tax liens :                                 None reported.

Others :                                    None reported.


FINANCIAL DATA

 

Description

 

Source of financial statement :    Provided by the Subject

Financial statement date :          31/03/13

Type of accounts :                     Estimated key figures

Currency :                                 New Zealand, Dollar (NZD)

Exchange rate :                         1 USD = NZD 1.21 as of 10-12-2013

 

Summarized Financial Information

 

Consolidation type :                   Non Consolidated           Non Consolidated           Non Consolidated

Currency :                                 New Zealand, Dollar       New Zealand, Dollar       New Zealand, Dollar

(NZD)                            (NZD)                           (NZD)

Denomination :                          (x1) One                        (x1) One                        (x1) One

Date of financial year end :          31/03/13                        31/03/12                        31/03/11

Length of accounts :                   12 months                     12 months                     12 months

Sale turnover / Income :             26,000,000                    26,000,000                    27,000,000

Comments :                              The estimated turnover was provided by Mr. Dean Raymond Hodgson.

 

Private Companies in New Zealand are not required to file accounts unless

classified as "Large", which at the moment means that two out of the following:

- The company has a sales turnover of over NZD 20,000,000;

- The company has total assets of over NZD 10,000,000;

- The company employs 50 people or more.

The Subject does not meet the criteria of being a large Private Company.

 

 

OPERATION DETAILS

 

Main activities :                          The Subject engages in import and distribution of plastic sheets, architectural and building products, decorative products

 

The Subject serves the retail/commercial, fitout/joinery, architectural glazing, domestic/interior renovations, security/safety glazing, DIY translucent roofing & glazing, display and illuminated signage industry.

 

Product & services :                   -Plastic Sheets: Acrylic sheet, Polycarbonate sheet, PVC sheet, Aluminium Composite Material sheet, Digital Printing sheet, Industrial Plastics sheet, Hi-Gloss Specialty Acrylic sheet, Satin Finish Specialty Acrylic sheet, Embedded Decorative Acrylic sheet, Self Adhesive Decorative Finishes sheet and Porcelain Sheet

-Translucent Roofing Products

-Cladding Products: PVC Hygienic Cladding System

-Fencing Systems

-Mounts, hanging & display products


Purchases

 

International :                             Germany, Australia, Israel, India, Taiwan, South Korea, China, Japan, Vietnam, United States

 

Sales

 

Local :                                      Yes

International :                             No exports.

 

Property & Assets

 

Premises :                                The Subject operates from the verified heading address consisting of a showroom, warehouse and an administrative office.

 

Branches :                                In addition, the Subject operates from the following branch offices and showrooms located at:

13 Tawn Place

Pukete, Hamilton 3200

New Zealand

Tel: +64 7 8506280

 

72 Hammersmith Drive

Wigram, Christchurch 8042

New Zealand

Tel: +64 3 3410248

 

5A Riddlers Crescent

Petone, Wellington 5012

New Zealand

Tel: +64 4 5687180

 

 

SUMMARIZED COUNTRY RISK

 

Gross Domestic Products (GDP) & Economic Overview

 

Central bank :                                        Reserve Bank of New Zealand

Reserve of foreign exchange & gold :       US$ 17.012 billion

Gross domestic product - GDP :             US$ 180.548 billion

GPP (Purchasing power parity) :             126.628 billion of International dollars

GDP per capita - current prices :             US$ 40,454

GDP - composition by sector :                agriculture: 4.7%

industry: 24%

services: 71.3%

Inflation :                                               2010: 2.3%

2011: 4%

2012: 2.1%

Unemployment rate :                              2010: 6.5%

2011: 6.5%

2012: 6%

Public debt                                            2010: 32.3%

(General Government gross debt as         2011: 37%

a % GDP)                                             2012: 36%

 

Government bond ratings :                      Standard & Poor's: AA

Moody's rating: Aaa

Moody's outlook: STA

Market value of publicly traded                US$71.66 billion

shares

Largest companies in the country :          Westpac Banking Corporation, New Zealand Aluminium Smelters Limited, Fletcher Building Limited, Telecom Corporation of New Zealand Limited

 

 

Trade & Competitiveness Overview

 

Total exports :                                       US$37.73 billion

Exports commodities :                           Dairy products, meat, wood and wood products, fish, machinery

Total imports :                                       US$35.65 billion

Imports commodities :                            Machinery and equipment, vehicles and aircraft, petroleum, electronics,

textiles, plastics

Export - major partners :                         Australia 22.2%, China 12.5%, US 8.5%, Japan 7.1%

Import - major partners :                         China 16.1%, Australia 15.9%, US 10.4%, Japan 6.3%, Singapore 4.6%,

Germany 4.3%

FDI Inflows :                                          2009: US$-761 million

2010: US$636 million

2011: US$3,369 million

FDI Outflows :                                        2009: US$-1,037 million

2010: US$591 million

2011: US$2,856 million

Best countries for doing business :          3 out of 185 countries

Global competitiveness ranking :             23 (ranking by country on a basis of 144, the first is the best)

 

Country and Population Overview

 

Total population :                                   4.46 million

Total area :                                            270,467 km2

Capital :                                                Wellington

Currency :                                             New Zealand dollars (NZD)

Internet users as % of total

Population :                                           86%

 

 


PAYMENT HISTORY

 

Purchase Term

 

International :                                         L/C, Prepayment, Telegraphic transfer, Credit 30-90 days

 

Sales Term

 

Local :                                                  Prepayment, Bank transfer, D/P, Cheque, Credit 30-90 days

 

Trade Reference/ Payment Behaviour

 

Comments :                                          As local and international trade references were not supplied, the Subject's payment track record history cannot be appropriately determined but based on our research, payments are believed to be met without delay.

 

Investigation Note

 

Sources :                                              Interviews and material provided by the Subject

Other official and local business sources


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.33

UK Pound

1

Rs.100.79

Euro

1

Rs.84.38

 

 

INFORMATION DETAILS

 

Report Prepared by :

NNA

 

 

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.