MIRA INFORM REPORT

 

 

Report Date :

05.01.2013

 

IDENTIFICATION DETAILS

 

Name :

TECNO CONVERTING 2000 S.R.L.

 

 

Registered Office :

Via Saga, 7/N

37024 – Negrar (VR)      

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

01.06.2007

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Manufacture of automatic machines for dosing, wrapping and packaging (including seperate parts and accessories)

 

 

No. of Employees :

From 1 to 5

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

Payment Behaviour :

Slow but correct

Litigation :

Clear

 

NOTES :

Any query related to this report can be made on e-mail: infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

Italy

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

ITALY - ECONOMIC OVERVIEW

 

Italy has a diversified industrial economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, welfare-dependent, agricultural south, with high unemployment. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but exceptionally high public debt burdens and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, reaching 120% of GDP in 2011, and borrowing costs on sovereign government debt have risen to record levels. During the second half of 2011 the government passed a series of three austerity packages to balance its budget by 2013 and decrease its public debt burden. These measures included a hike in the value-added tax, pension reforms, and cuts to public administration. The government also faces pressure from investors and European partners to address Italy's long-standing structural impediments to growth, such as an inflexible labor market and widespread tax evasion. The international financial crisis worsened conditions in Italy''s labor market, with unemployment rising from 6.2% in 2007 to 8.4% in 2011, but in the longer-term Italy''s low fertility rate and quota-driven immigration policies will increasingly strain its economy. The euro-zone crisis along with Italian austerity measures have reduced exports and domestic demand, slowing Italy''s recovery. Italy''s GDP is still 5% below its 2007 pre-crisis level.

Source : CIA


Company name and address

 

Tecno Converting 2000 S.r.l.

 

Via Saga, 7/N

 

37024 - Negrar (VR) -IT-

 

 

Summary

 

Fiscal Code

:

01470990332

Legal Form

:

Limited liability company

start of Activities

:

01/06/2007

Equity

:

125.000

Turnover Range

:

3.750.000/5.000.000

Number of Employees

:

from 1 to 5

 

 

Activity

 

Manufacture of automatic machines for dosing, wrapping and packaging (including seperate parts and accessories)

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 01470990332

 

Chamber of Commerce no. : 165199 of since 03/08/2006

 

Chamber of Commerce no. : 389550 of since 29/12/2011

 

V.A.T. Code : 01470990332

 

Establishment date

: 25/07/2006

Start of Activities

: 01/06/2007

Legal duration

: 31/12/2050

Nominal Capital

: 12.000

 

Subscribed Capital

: 12.000

 

Paid up Capital

: 12.000

 

 

Members

 

 

Trombetti

Matteo

 

 

 

Born in Genova

(GE)

on 01/05/1981

- Fiscal Code : TRMMTT81E01D969S

 

 

 

Residence:

 

Rossini

, 4

- 37024

Negrar

(VR)

- IT -

 

Position

Since

Shares Amount

% Ownership

Board Chairman

30/05/2010

1.000 -

0,00

Director

30/05/2010

1.000 -

0,00

 

 

Prejudicial Events found with cancellations*

 

 

No Protests registered

 

 

Trombetti

Giuseppe

 

 

 

Born in Genova

(GE)

on 26/09/1952

- Fiscal Code : TRMGPP52P26D969D

 

 

 

Residence:

 

Rossini

, 4

- 37024

Negrar

(VR)

- IT -

 

Position

Since

Shares Amount

% Ownership

Assistant board Chairman

30/05/2010

 

 

Director

30/05/2010

 

 

 

 

No Prejudicial events are reported

 

 

No Protests registered

 

*Concerns also partially erased events.

 

Companies connected to members *

 

*checkings have been performed on a national scale.

In this module the companies in which members hold/held positions are listed.

 

The Members of the subject firm are not reported to be Members in other companies.

 

Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Trombetti Matteo

Negrar - IT -

TRMMTT81E01D969S

6.000 .Eur

50,00

Trombetti Giuseppe

Negrar - IT -

TRMGPP52P26D969D

6.000 .Eur

50,00

 

Direct Participations

 

The Company under review has no participations in other Companies.


Firm's location and structure

 

In order to carry out its activities the firm uses the following locations:

 

-

Legal and operative seat

 

 

 

 

 

 

 

Saga

, 7/N

- 37024

- Negrar

(VR)

- IT -

 

 

 

 

Employees

: 3

 

 

 

 

Assistants

: 1

 

Fittings and Equipment for a value of 2.000

Eur

 

 

 

Historical Information and/or Firm's Status

 

EX-MEMBERS / EX-POSITIONS:

 

 

Trombetti

Matteo

 

 

 

Born in Genova

(GE)

on 01/05/1981

- Fiscal Code : TRMMTT81E01D969S

 

 

 

Residence:

 

Rossini

, 4

- 37024

Negrar

(VR)

- IT -

 

Ex-Postions

Sole Director

 

Protests

 

Protests checking on the subject firm has given a negative result.

 

Data Base Prejudicial Events Search

 

Search performed on a National Scale

 

 

 

Prejudicial Events Search Result: NEGATIVE

 

Search performed on a specialized data base.


Legal Procedures

 

None reported, standing to the latest received edition of the Official Publications.

 

Financial and Economical Analysis

 

Company's starting of activities dates back to 2007.

An eco-fin analysis has been made on the base od the b/s fo the years 2009, 2010 and 2011.

Under the financial profile unstable results are noted. with a profit (r.o.e. 83,41%) in the last financial year Upward trend as to the turnover in the last financial year (+27%).

The operating result was positive in the last financial year (13,59%) and in line with the sector's average.

The amount of the operating result is equal to Eur. 164.624 , with no sizeable change as opposed to the year before.

During the latest financial year the gross operating margin amounted to Eur. 165.460 with no sensible increase as against 2010.

The ratio between shareholder's equity and borrowed capital is not well balanced, the indebtedness level is equal to 6,69 with an upward trend.

Subject can manage an equity capital funds for an amount of Eur. 108.647 on the same levels as the year before.

Total debts recorded amounted to Eur. 1.102.312 (Eur. 127.632 of which were m/l term debts) on the same levels as the year before.

The company does not exceed in bank borrowings; the recourse to suppliers' credit is also limited below field's average.

The liquidity level is positive (1,23).

On average trade credits are collected in 67,67 days. , a value lower than the sector's average.

During financial year 2011 the cash flow amounted to Eur. 91.458

Subordinate employment cost is of Eur. 28.482, i.e. 0,61% on total production costs. , with a 0,59% incidence on turnover.

Limited financial charges in relation to sales volume.

 

Financial Data

 

 

 

 

Complete balance-sheet for the year

31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

4.814.647

Profit (Loss) for the period

90.622

 

 

 

Complete balance-sheet for the year

31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

3.791.043

Profit (Loss) for the period

86.120

 

 

 

Complete balance-sheet for the year

31/12/2009

(in Eur

x 1)

 

Item Type

Value

Sales

1.545.575

Profit (Loss) for the period

-3.452

 

 

 

Complete balance-sheet for the year

31/12/2008

(in Eur

x 1)

 

Item Type

Value

Sales

248.550

Profit (Loss) for the period

163

 

Balance Sheets

 

From our constant monitoring of the relevant Public Administration offices, no more recent balance sheets result to have been filed.

 

- Balance Sheet as at 31/12/2011 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2010 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2009 - 12 Mesi - Currency: - Amounts x 1

 

Years

2011

2010

2009

BALANCE SHEET ACCOUNTS

 

ASSETS

 

 

 

CREDITS VS PARTNERS

 

 

 

. Deposits not yet withdrawn

 

 

 

. Deposits already withdrawn

 

 

 

Total credits vs partners

 

 

 

FIXED ASSETS

 

 

 

. INTANGIBLE FIXED ASSETS

 

 

 

. . Start-up and expansion expenses

 

 

 

. . Research,develop. and advert.expens.

 

 

 

. . Industrial patent rights

 

 

 

. . Concessions,licenses,trademarks,etc.

 

 

 

. . Goodwill

 

 

 

. . Assets in formation and advance paymen.

 

 

 

. . Other intangible fixed assets

 

 

 

. Total Intangible Fixed Assets

 

 

 

. TANGIBLE FIXED ASSETS

 

 

 

. . Real estate

 

 

 

. . Plant and machinery

 

620

620

. . Industrial and commercial equipment

 

-120

-120

. . Other assets

 

2.714

2.714

. . Assets under construction and advances

 

 

 

. Total Tangible fixed assets

3.193

3.214

3.214

. FINANCIAL FIXED ASSETS

 

 

 

. . Equity investments

 

 

 

. . . Equity invest. in subsidiary companies

 

 

 

. . . Equity invest. in associated companies

 

 

 

. . . Equity invest. in holding companies

 

 

 

. . . Equity invest. in other companies

 

 

 

. . Financial receivables

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivab due from subsidiaries

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from assoc.comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from holding comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from third parties

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Other securities

 

 

 

. . Own shares

 

 

 

. . . Total nominal value

 

 

 

. Total financial fixed assets

14.322

 

 

Total fixed assets

17.515

3.214

3.214

CURRENT ASSETS

 

 

 

. INVENTORIES

 

 

 

. . Raw materials and other consumables

 

 

 

. . Work in progress and semimanufactured

 

 

 

. . Work in progress on order

 

 

 

. . Finished goods

 

 

 

. . Advance payments

 

 

 

. Total Inventories

 

 

 

. CREDITS NOT HELD AS FIXED ASSETS

 

 

 

. . Within 12 months

946.282

589.085

1.062.205

. . Beyond 12 months

 

121.802

 

. . Trade receivables

904.968

562.396

1.035.861

. . . . Within 12 months

904.968

562.396

1.035.861

. . . . Beyond 12 months

 

 

 

. . Receivables due from subsid. comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from assoc. comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from holding comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Fiscal Receivables

41.314

23.089

19.885

. . . . Within 12 months

41.314

23.089

19.885

. . . . Beyond 12 months

 

 

 

. . Receivables for anticipated taxes

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from third parties

 

125.402

6.459

. . . . Within 12 months

 

3.600

6.459

. . . . Beyond 12 months

 

121.802

 

. Total Credits not held as fixed assets

946.282

710.887

1.062.205

. FINANCIAL ASSETS

 

 

 

. . Equity invest. in subsidiary comp.

 

 

 

. . Equity invest. in associated companies

 

 

 

. . Equity invest. in holding companies

 

 

 

. . Other equity investments

 

 

 

. . Own shares

 

 

 

. . . Total nominale value

 

 

 

. . Other securities

 

 

 

. Total Financial Assets

 

 

 

. LIQUID FUNDS

 

 

 

. . Bank and post office deposits

 

536.051

153.307

. . Checks

 

 

 

. . Banknotes and coins

 

1.000

2.379

. Total Liquid funds

247.755

537.051

155.686

Total current assets

1.194.037

1.247.938

1.217.891

ADJUSTMENT ACCOUNTS

 

 

 

. Discount on loans

 

 

 

. Other adjustment accounts

 

 

 

Total adjustments accounts

 

 

 

TOTAL ASSETS

1.211.552

1.251.152

1.221.105

 

 

 

 

LIABILITIES

 

 

 

STOCKHOLDERS' EQUITY

 

 

 

. Capital stock

12.000

12.000

13.346

. Additional paid-in capital

 

 

 

. Revaluation reserves

 

 

 

. Legal reserve

8

8

8

. Reserve for Own shares

 

 

 

. Statute reserves

 

 

 

. Other reserves

155

9.469

9.468

. Accumulated Profits (Losses)

5.862

-3.452

 

. Profit( loss) of the year

90.622

86.120

-3.452

. Advances on dividends

 

 

 

. Partial loss of the year Coverage

 

 

 

Total Stockholders'Equity

108.647

104.145

19.370

RESERVES FOR RISKS AND CHARGES

 

 

 

. . Reserve for employee termination indem.

 

 

 

. . Taxation fund, also differed

 

 

 

. . Other funds

 

 

 

Total Reserves for Risks and Charges

 

 

 

Employee termination indemnities

593

593

 

ACCOUNTS PAYABLE

 

 

 

. . . . Within 12 months

974.680

1.139.875

1.151.482

. . . . Beyond 12 months

127.632

6.539

50.253

. . Bonds

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Convertible bonds repayable

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to shareholders for financing

12.500

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

12.500

 

 

. . Due to banks

 

13.142

50.253

. . . . Within 12 months

 

6.603

 

. . . . Beyond 12 months

 

6.539

50.253

. . Due to other providers of finance

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Advances from customers

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Trade payables

878.532

1.051.390

1.102.151

. . . . Within 12 months

878.532

1.051.390

1.102.151

. . . . Beyond 12 months

 

 

 

. . Securities issued

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to subsidiary companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to associated companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to holding companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to the tax authorities

174.500

53.229

11.331

. . . . Within 12 months

59.368

53.229

11.331

. . . . Beyond 12 months

115.132

 

 

. . Due to social security and welfare inst.

18.181

510

 

. . . . Within 12 months

18.181

510

 

. . . . Beyond 12 months

 

 

 

. . Other payables

18.599

28.143

38.000

. . . . Within 12 months

18.599

28.143

38.000

. . . . Beyond 12 months

 

 

 

Total accounts payable

1.102.312

1.146.414

1.201.735

ADJUSTMENT ACCOUNTS

 

 

 

. Agio on loans

 

 

 

. Other adjustment accounts

 

 

 

Total adjustment accounts

 

 

 

TOTAL LIABILITIES

1.211.552

1.251.152

1.221.105

 

 

 

 

 

 

MEMORANDUM ACCOUNTS

 

Third party goods

 

 

 

Investment accounts

 

 

 

Risk accounts

 

 

 

Civil and fiscal norms relation

 

 

 

 

 

 

 

 

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

 

 

 

. Revenues from sales and services

4.814.647

3.791.043

1.545.576

. Changes in work in progress

 

 

 

. Changes in semi-manufact. products

 

 

 

. Capitalization of internal work

 

 

 

. Other income and revenues

2.377

 

 

. . Contributions for operating expenses

 

 

 

. . Different income and revenues

2.377

 

 

Total value of production

4.817.024

3.791.043

1.545.576

PRODUCTION COSTS

 

 

 

. Raw material,other materials and consum.

3.597.543

2.650.693

736.076

. Services received

965.999

849.316

781.024

. Leases and rentals

41.842

77.103

15.296

. Payroll and related costs

28.482

17.673

 

. . Wages and salaries

25.067

15.917

 

. . Social security contributions

3.415

1.163

 

. . Employee termination indemnities

 

593

 

. . Pension and similar

 

 

 

. . Other costs

 

 

 

. Amortization and depreciation

836

 

787

. . Amortization of intangible fixed assets

 

 

 

. . Amortization of tangible fixed assets

 

 

787

. . Depreciation of tangible fixed assets

836

 

 

. . Writedown of current receiv.and of liquid

 

 

 

. Changes in raw materials

 

 

 

. Provisions to risk reserves

 

 

 

. Other provisions

 

 

 

. Other operating costs

17.698

34.041

810

Total production costs

4.652.400

3.628.826

1.533.993

Diff. between value and cost of product.

164.624

162.217

11.583

FINANCIAL INCOME AND EXPENSE

 

 

 

. Income from equity investments

 

 

 

. . In subsidiary companies

 

 

 

. . In associated companies

 

 

 

. . In other companies

 

 

 

. Other financial income

2.708

 

711

. . Financ.income from receivables

 

 

 

. . . Towards subsidiary companies

 

 

 

. . . Towards associated companies

 

 

 

. . . Towards holding companies

 

 

 

. . . Towards other companies

 

 

 

. . Financ.income from secur. t.f.assets

2.640

 

 

. . Financ.income from secur. cur.assets

 

 

711

. . Financ.income other than the above

 

 

 

. . . - Subsidiary companies

 

 

 

. . . - Associated companies

 

 

 

. . . - Holding companies

 

 

 

. . . - Other companies

 

 

 

. Interest and other financial expense

-17.302

-48

-6.686

. . Towards subsidiary companies

 

 

 

. . Towards associated companies

 

 

 

. . Towards holding companies

 

 

 

. . Towards other companies

 

 

6.686

Total financial income and expense

-14.594

-48

-5.975

ADJUSTMENTS TO FINANCIAL ASSETS

 

 

 

. Revaluations

 

 

 

. . Of equity investments

 

 

 

. . Of financ.fixed assets not repres.E.I.

 

 

 

. . Of securities incl.among current assets

 

 

 

. Devaluation

 

 

 

. . Of equity investments

 

 

 

. . Of financial fixed assets (no equity inv)

 

 

 

. . Of securities included among current ass

 

 

 

Total adjustments to financial assets

 

 

 

EXTRAORDINARY INCOME AND EXPENSE

 

 

 

. Extraordinary income

5.320

43

104

. . Gains on disposals

 

 

 

. . Other extraordinary income

5.320

43

104

. Extraordinary expense

-68

-9.612

 

. . Losses on disposals

 

 

 

. . Taxes relating to prior years

 

 

 

. . Other extraordinary expense

-68

-9.612

 

Total extraordinary income and expense

5.252

-9.569

104

Results before income taxes

155.282

152.600

5.712

. Taxes on current income

64.660

66.480

9.164

. . current taxes

64.660

66.480

9.164

. . differed taxes(anticip.)

 

 

 

. Net income for the period

90.622

86.120

-3.452

. Adjustments in tax regulations pursuance

 

 

 

. Provisions in tax regulations pursuance

 

 

 

. Profit (loss) of the year

90.622

86.120

-3.452

 

RATIOS

Value Type

as at 31/12/2011

as at 31/12/2010

as at 31/12/2009

Sector Average

COMPOSITION ON INVESTMENT

 

 

 

 

 

Rigidity Ratio

Units

0,01

0,00

0,00

0,18

Elasticity Ratio

Units

0,99

1,00

1,00

0,79

Availability of stock

Units

n.c.

n.c.

n.c.

0,21

Total Liquidity Ratio

Units

0,99

1,00

1,00

0,52

Quick Ratio

Units

0,20

0,43

0,13

0,03

COMPOSITION ON SOURCE

 

 

 

 

 

Net Short-term indebtedness

Units

6,69

5,79

51,41

3,01

Self Financing Ratio

Units

0,09

0,08

0,02

0,19

Capital protection Ratio

Units

0,06

0,06

0,49

0,66

Liabilities consolidation quotient

Units

0,13

0,01

0,04

0,16

Financing

Units

10,15

11,01

62,04

3,56

Permanent Indebtedness Ratio

Units

0,20

0,09

0,06

0,34

M/L term Debts Ratio

Units

0,11

0,01

0,04

0,10

Net Financial Indebtedness Ratio

Units

0,00

0,00

0,00

0,69

CORRELATION

 

 

 

 

 

Fixed assets ratio

Units

13,52

34,62

21,66

1,65

Current ratio

Units

1,23

1,09

1,06

1,18

Acid Test Ratio-Liquidity Ratio

Units

1,23

1,09

1,06

0,86

Structure's primary quotient

Units

6,20

32,40

6,03

1,02

Treasury's primary quotient

Units

0,25

0,47

0,14

0,06

Rate of indebtedness ( Leverage )

%

1115,13

1201,36

6304,10

509,92

Current Capital ( net )

Value

219.357

108.063

66.409

330.495

RETURN

 

 

 

 

 

Return on Sales

%

1,90

2,27

-0,17

3,79

Return on Equity - Net- ( R.O.E. )

%

83,41

82,69

-17,82

6,70

Return on Equity - Gross - ( R.O.E. )

%

142,92

146,53

29,49

18,82

Return on Investment ( R.O.I. )

%

13,59

12,97

0,95

4,89

Return/ Sales

%

3,42

4,28

0,75

4,78

Extra Management revenues/charges incid.

%

55,05

53,09

-29,80

29,96

Cash Flow

Value

91.458

86.120

-2.665

165.166

Operating Profit

Value

164.624

162.217

11.583

225.594

Gross Operating Margin

Value

165.460

162.217

12.370

376.080

MANAGEMENT

 

 

 

 

 

Credits to clients average term

Days

67,67

53,41

241,28

111,07

Debts to suppliers average term

Days

68,67

105,81

258,92

127,44

Average stock waiting period

Days

n.c.

n.c.

n.c.

62,88

Rate of capital employed return ( Turnover )

Units

3,97

3,03

1,27

1,10

Rate of stock return

Units

n.c.

n.c.

n.c.

5,58

Labour cost incidence

%

0,59

0,47

n.c.

18,94

Net financial revenues/ charges incidence

%

-0,30

0,00

-0,39

-1,15

Labour cost on purchasing expenses

%

0,61

0,49

n.c.

18,99

Short-term financing charges

%

1,57

0,00

0,56

2,55

Capital on hand

%

25,16

33,00

79,01

90,89

Sales pro employee

Value

4.814.647

 

 

199.007

Labour cost pro employee

Value

28.482

 

 

34.820

 

 

SOURCES

 

Our Company collects data from public registers, lists, archives or contained in Acts and/or documents (held by the National Chamber of Commerce or Immovables Territorial Agency), users, reporters or however generally accessible (for example, from categorical lists, statistical institutes, press reports and from public inspection internet sites).

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.84

UK Pound

1

Rs.88.16

Euro

1

Rs.71.54

 

 

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.