MIRA INFORM REPORT

 

 

Report Date :

08.01.2013

 

IDENTIFICATION DETAILS

 

Name :

MACKAYS STORES LIMITED

 

 

Registered Office :

5 Inchinnen Drive, Inchinnen Business Park, Renfrew, Renfrewshire, Pa4 9af.

 

 

Country :

United Kingdom

 

 

Financials (as on) :

24.02.2012

 

 

Date of Incorporation :

25.04.1961

 

 

Com. Reg. No.:

SC036368

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Retailers of petite, boutique, lingerie, ladies and kids clothes and accessories.

 

 

No. of Employees :

3,852

 

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 :

Good

Payment Behaviour :

Regular

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

MACKAYS STORES LIMITED

Registration Number

SC036368

VAT Number

GB263808936

Address

5 INCHINNEN DRIVE, INCHINNEN BUSINESS PARK, RENFREW, RENFREWSHIRE, PA4 9AF.

Telephone

01418 129000

Facsimile

01418 129221

Email

help@mackaysstores.co.uk

Web Address

www.mandco.com

 

 

 

Official Company Data

 

 

Legal Form

Private Limited

Registration Number

SC036368

VAT Number

GB263808936

Subject Status

Trading

Date of Incorporation

25/04/1961

Registered Office

5 INCHINNAN DRIVE, INCHINNAN, RENFREW, RENFREWSHIRE, PA4 9AF.

History

5/10/2007 : The Registered Office address changed from CALEDONIA HOUSE, CALEDONIA STREET, PAISLEY, P.

 

19/07/1982 : Change of name from J. MACKAY (DRAPERS) LTD..

Date of Last Annual Return to Registry

03/12/2012

Accounts

The last filed accounts at Companies House are those to 24/02/2012

Accounting Reference Date

23/02

 

 

 

Operations

 

 

Activities

Retailers of petite, boutique, lingerie, ladies and kids clothes and accessories.

Nace Code

5242

Premises

Owned,Offices,Warehouse

Staff Employed

3,852

Trade Names

MACKAYS, M&CO WEB TEAM, M&CO

Export Countries

No Export Activity

Bankers

CLYDESDALE BANK PLC

Address

PAISLEY DUNN SQUARE.

Sort Code

825404

Auditors

KPMG LLP

Branches

20 CONDUIT STREET, PADDINGTON, LONDON, W2 1HS.

 

94-102 HIGH ST, 17 REDDICAP TRADING EST, RICKMANSWORTH, HERTFORDSHIRE, WD3 1AQ.

 

73 WESTGATE, GUISBOROUGH, CLEVELAND, TS14 6AF.

 

10 CASTLE ST, LUDLOW, SHROPSHIRE, SY8 1AT.

 

79 HIGH ST, ELGIN, MORAYSHIRE, IV30 1EA.

 

11-12 HIGH ST, MARKET HARBOROUGH, LEICESTERSHIRE, LE16 7NJ.

 

70 FORE ST, REDRUTH, CORNWALL, TR15 2AF.

 

15-16 KNIGHTSWICK CENTRE, CANVEY ISLAND, ESSEX, SS8 7AD.

 

108-112 MAIN ST, LARGS, AYRSHIRE, KA30 8AN.

 

25-29 HOPETOUN ST, BATHGATE, WEST LOTHIAN, EH48 4PA.

 

9 MARKET ST, CREWKERNE, SOMERSET, TA18 7JP.

 

22-24 MERE ST, DISS, NORFOLK, IP22 4AD.

 

2-3 SILVER ST, TROWBRIDGE, WILTSHIRE, BA14 8AA.

 

78-80 HIGH ST, WICK, CAITHNESS, KW1 4NB.

 

34 GROVE ST, WILMSLOW, CHESHIRE, SK9 1DR.

 

25-29 BEVERIDGE WAY, NEWTON AYCLIFFE, COUNTY DURHAM, DL5 4DU.

 

29 MARYGATE, BERWICK-UPON-TWEED, NORTHUMBERLAND, TD15 1AT.

 

132 HIGH ST, WOOTTON BASSETT SWINDON, WILTSHIRE, SN4 7AY.

 

1 MARKET ST, MARPLE STOCKPORT, CHESHIRE, SK6 7AA.

 

29 GALGATE, BARNARD CASTLE, COUNTY DURHAM, DL12 8EJ.

Subsidiaries

KILBIN LIMITED

 

 

 

 

Previous Searches

 

Search History Summary

 

Last 3 Months

Last 6 Months

Last 12 Months

10

20

42

 

Search History Details

 

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

 

Date

Description

17/12/2012

Miscellaneous

03/12/2012

Miscellaneous

03/12/2012

Miscellaneous

30/11/2012

Miscellaneous

28/11/2012

Miscellaneous

27/11/2012

Miscellaneous

22/11/2012

Miscellaneous

21/11/2012

Miscellaneous

02/11/2012

Miscellaneous

29/10/2012

Miscellaneous

03/10/2012

Miscellaneous

28/09/2012

Miscellaneous

16/09/2012

Miscellaneous

16/09/2012

Miscellaneous

25/08/2012

Miscellaneous

13/08/2012

Miscellaneous

13/08/2012

Miscellaneous

31/07/2012

Miscellaneous

13/07/2012

Miscellaneous

06/07/2012

Miscellaneous

05/07/2012

Miscellaneous

27/06/2012

Miscellaneous

31/05/2012

Miscellaneous

24/05/2012

Miscellaneous

24/05/2012

Miscellaneous

23/05/2012

Miscellaneous

16/05/2012

Miscellaneous

16/05/2012

Miscellaneous

15/05/2012

Miscellaneous

14/05/2012

Miscellaneous

02/05/2012

Miscellaneous

30/04/2012

Miscellaneous

26/04/2012

Miscellaneous

20/04/2012

Miscellaneous

10/04/2012

Miscellaneous

24/02/2012

Miscellaneous

23/02/2012

Miscellaneous

15/02/2012

Miscellaneous

10/02/2012

Miscellaneous

01/02/2012

Data processing, hosting and related activities

 

 

 

Public Record Information

 

 

Summary of CCJ's/Scottish Decrees

 

No CCJs/Scottish Decrees are recorded in our file.

 

 

 

Summary of Mortgages, Charges and Satisfactions

 

 

Total Number of Mortgages/Charges Registered

72

Number Outstanding

4

Number Partially Satisfied

0

Number Satisfied

68

 

 

Date of Latest Mortgage Created

13/06/2012

Date of Latest Satisfaction

02/11/2005

 

 

 

Details of most recent Mortgages, Charges and Satisfactions

 

 

Date Fully
Satisfied

Date
Registered

Date
Created

Charge
Description

Form Type

Lender

 

22/06/2012

12/06/2012

Standard Security

MG01S

Clydesdale Bank Plc

 

19/06/2012

13/06/2012

Standard Security

MG01S

Hsbc Bank Plc

 

05/06/2008

19/05/2008

Floating Charge

410

Clydesdale Bank Plc

 

30/05/2008

19/05/2008

Floating Charge

410

Hsbc Bank Plc

02/11/2005

21/12/2001

12/12/2001

Floating Charge

410

Clydesdale Bank Public Limited Company

02/11/2005

18/12/2001

12/12/2001

Floating Charge

410

Hsbc Bank Plc

22/06/2004

23/05/1991

04/05/1991

Assignation

N/A

Clydesdale Bank Public Limited Company As Trustee

16/06/1997

10/04/1990

26/03/1990

Rent Deposit Agreement

N/A

Barclays Nominees (George Yard) Ltd

14/07/1978

12/09/1972

24/08/1972

Bond Of Cash Credit Floating Charge See Docs 46, 47 48

N/A

Clydesdale Bank Public Limited Company

30/10/1986

 

17/11/1980

Standard Security

419A

Clydesdale Bank Public Limited Company

 

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

 

18/12/2012

Companies House Gazette

Notification of any change among the company's directors

23/11/2012

Companies House Gazette

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

16/05/2012

Companies House Gazette

Notification of any change among the company's directors

12/12/2011

Companies House Gazette

Notification of any change among the company's directors

25/11/2011

Companies House Gazette

Notification of any change among the company's directors

23/11/2011

Companies House Gazette

Notification of any change among the company's directors

18/11/2011

Companies House Gazette

Notification of any change among the company's directors

03/12/2010

Companies House Gazette

Notification of any change among the company's directors

18/10/2010

Companies House Gazette

Notification of any change among the company's directors

02/12/2009

Companies House Gazette

Notification of any change among the company's directors

24/03/2009

Companies House Gazette

Change among directors of a company

27/02/2009

Companies House Gazette

Notification (given under section 122) of the redemption of shares

27/03/2008

Companies House Gazette

Change among directors of a company

21/03/2008

Companies House Gazette

Change among directors of a company

08/05/2007

Companies House Gazette

Change among directors of a company

17/04/2007

Companies House Gazette

Change among directors of a company

10/01/2007

Companies House Gazette

Change among directors of a company

29/03/2005

Companies House Gazette

Change among directors of a company

09/02/2005

Companies House Gazette

Change among directors of a company

24/01/2005

Companies House Gazette

Change among directors of a company

 

 

 

Company Secretary

 

 

Secretary

MALCOLM JAMES ARCHIBALD MILLER

Service Address

61 WESTLAND DRIVE, JORDANHILL, GLASGOW, G14 9PE.

Country of Origin

UNITED KINGDOM

Appointment Date

09/03/2009

 

 

 

Directors

 

 

Director

MR IAIN WILLIAM MCGEOCH

Service Address

CALEDONIA HOUSE 5 INCHINNAN, DRIVE INCHINNAN, RENFREW, PA4 9AF.

Country of Origin

UNITED KINGDOM

Date of Birth

17/12/1945

Appointment Date

18/11/1988

Other Directorships

MACKAYS STORES (HOLDINGS) LIMITED, HAZELDEN LIMITED, JANPRO LIMITED, KILBRIDE INDUSTRIAL SERVICES LIMITED, BURGLAS, EBOX HOLDINGS LIMITED, MACKAYS STORES GROUP LIMITED, MACKAYS GROUP TRUSTEES LIMITED, M.E.G. RENEWABLES LIMITED, M.E.G. WEST KIRKCARSWELL LIMITED, WILLIAM MCILROY SWINDON LIMITED, LAROQUE LIMITED


Director


MATTHEW RICHARD MCKIMMIE

Service Address

2 CAMPBELL PLACE, TORRANCE, GLASGOW, LANARKSHIRE, G64 4HR.

Country of Origin

UNITED KINGDOM

Date of Birth

27/05/1957

Appointment Date

15/02/2002

Other Directorships

MACKAYS STORES (HOLDINGS) LIMITED, JANPRO LIMITED, MACKAYS STORES GROUP LIMITED, MACKAYS GROUP TRUSTEES LIMITED, M.E.G. RENEWABLES LIMITED, M.E.G. WEST KIRKCARSWELL LIMITED, WILLIAM MCILROY SWINDON LIMITED, G. E. WORTHINGTON LIMITED, LAROQUE LIMITED


Director


GEORGE BRYCE HOWIE

Service Address

32 BREWLANDS ROAD, SYMINGTON, KILMARNOCK, AYRSHIRE, KA1 5QY.

Country of Origin

UNITED KINGDOM

Date of Birth

05/03/1957

Appointment Date

27/04/2007


Director


COLIN RUTHERFORD

Service Address

33 CRANLEY MEWS, LONDON, SW7 3BY.

Country of Origin

UNITED KINGDOM

Date of Birth

02/02/1968

Appointment Date

17/03/2008


Director


MR ANDREW JOHN MCGEOCH

Service Address

CALEDONIA HOUSE 5 INCHINNAN, DRIVE INCHINNAN, RENFREW, PA4 9AF.

Country of Origin

UNITED KINGDOM

Date of Birth

09/03/1980

Appointment Date

30/11/2009

Other Directorships

MACKAYS STORES (HOLDINGS) LIMITED, EBOX HOLDINGS LIMITED, MACKAYS STORES GROUP LIMITED


Director


MRS LINDSEY CLAIRE WILLIAMS

Service Address

CALEDONIA HOUSE 5 INCHINNAN, DRIVE INCHINNAN, RENFREW, PA4 9AF.

Country of Origin

UNITED KINGDOM

Date of Birth

25/04/1965

Appointment Date

15/11/2011

 

 

 

Share Capital

 

 

Shares

Cumulative Preference GBP 1.00

Issued Number

5,000

Shares

Ordinary GBP 1.00

Issued Number

495,000

Principal Shareholder

495,000 MacKays Stores (Holdings) Ltd

 

5,000 MacKays Stores (Holdings) Ltd

 

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

 

Holding Company

MACKAYS STORES (HOLDINGS) LIMITED

Ultimate Parent

MACKAYS STORES GROUP LIMITED

 

 

 

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

53

52

Accounts Date

24/02/2012

25/02/2011

26/02/2010

20/02/2009

Currency

GBP

GBP

GBP

GBP

SALES

173339

186939

181905

162687

Cost of goods sold

159164

153791

151283

140093

GROSS PROFIT

14175

33148

30622

22594

Wages and Salaries

41396

39607

38474

37712

Directors Emoluments

1442

1535

1755

1658

Auditors Fees

51

52

45

45

Non-Audit Fees

65

87

141

67

Trading Profit

(155)

19808

19006

13811

Depreciation

8899

9071

8940

9224

OPERATING PROFIT

(9054)

10737

10066

4587

Non Trading Income

(292)

40

(317)

(23)

Interest Payable

1617

2092

1692

1906

PRE TAX PROFIT

(10963)

8685

8057

2658

Taxation

(2427)

3187

3008

1032

PROFIT AFTER TAX

(8536)

5498

5049

1626

RETAINED PROFITS

(8536)

5498

5049

1626

 

Balance Sheet

 

The following figures are shown in units of 1000

 

Number of Weeks

52

52

53

52

Accounts Date

24/02/2012

25/02/2011

26/02/2010

20/02/2009

Currency

GBP

GBP

GBP

GBP

TOTAL FIXED ASSETS

38332

44235

47040

50902

Tangible Assets

38332

44235

47040

50902

Fixed Assets

38332

44235

47040

50902

TOTAL CURRENT ASSETS

36177

47126

35908

37367

Trade debtors

649

727

611

413

Stocks

25599

24434

21799

22235

Other Current Assets

9929

21965

13498

14719

Misc Current Assets

4778

3476

3419

3737

Due From Group

2531

6345

2334

3684

Cash

2620

12144

7745

7298

TOTAL ASSETS

74509

91361

82948

88269

TOTAL CURRENT LIABILITIES

18732

22837

20169

28544

Trade creditors

5822

6706

7580

5875

Short Term Loans

3610

5540

546

13100

Bank Overdraft

3503

 

 

4716

Due To Group

107

5540

546

8384

Other Liabilities

9300

10591

12043

9569

WORKING CAPITAL

17445

24289

15739

8823

TOTAL LONG TERM LIABS

19779

18361

19272

15199

Long Term Loans

6348

10000

10000

11492

Bank Loans

6348

10000

10000

11492

Other Liabilities

13431

8361

9272

3707

NET ASSETS/(LIABILITIES)

35998

50163

43507

44526

SHARE CAPITAL + RESERVES

35998

50163

43507

44526

Share Cap + Sundry Res

500

500

500

500

Issued Share Capital

495

495

495

495

Sundry Reserves

5

5

5

5

Revaluation Reserves

210

212

214

216

Profit and Loss account

35288

49451

42793

43810

SHAREHOLDERS FUNDS

35998

50163

43507

44526

CAPITAL EMPLOYED

55777

68524

62779

59725

 

Financial Comparison

 

The following figures are shown in units of 1000

 

Number of Weeks

52

52

53

52

Accounts Date

24/02/2012

25/02/2011

26/02/2010

20/02/2009

Currency

GBP

GBP

GBP

GBP

Directors Remuneration

1442

1535

1755

1658

Auditors Remuneration

51

52

45

45

Liquid Assets

3269

12871

8356

7711

Net Working Capital

17445

24289

15739

8823

Long Term Debt(>12 Months)

6348

10000

10000

11492

Other Deferred Liabs

13431

8361

9272

3707

Tangible Net Worth(T.N.W)

35998

50163

43507

44526

Equity

35998

50163

43507

44526

Number of Years Trading

51

50

49

48

Number of Employees

3852

3507

3463

3316

Profit per Employee

(2846.1)

2476.5

2326.6

801.6

Sales per Employee

44999.7

53304.5

52528.2

49061.2

 

Key Credit Ratios

 

The following figures are shown as Ratios or Percentages

 

Accounts Date

24/02/2012

25/02/2011

26/02/2010

20/02/2009

Current Ratio

1.9

2.1

1.8

1.3

Long Term Debt/T.N.W

0.2

0.2

0.2

0.3

Pre Tax Profit Margin%

(6.3)

4.6

4.4

1.6

Gross Profit%

8.2

17.7

16.8

13.9

Debtors Days (D.S.O)

1

1

1

1

Creditors Days (D.P.O)

12

13

15

13

Quick Ratio

0.6

1

0.7

0.5

W.I.P/Inventory Days

58.7

58

52.6

57.9

Return on Investment%

(15.7)

14.6

15.4

6.3

Return on Assets%

(14.7)

9.5

9.7

3

T.N.W/Total Assets%

48.3

54.9

52.5

50.4

Return on Capital%

(19.7)

12.7

12.8

4.5

Rtn on Shareholders Funds%

(30.5)

17.3

18.5

6

Working Capital/Sales%

10.1

13

8.7

5.4

Borrowing Ratio%

27.7

31

24.2

55.2

Equity Gearing%

93.5

121.8

110.3

101.8

Stock Turnover

6.8

7.7

8.3

7.3

Days Purchases Outstanding

13.4

15.9

18.3

15.3

Sales/Fixed Assets

4.5

4.2

3.9

3.2

Debt Gearing

17.6

19.9

23

25.8

 

 

 

Key Industry Sector Trends

 

 

Year

2012

2011

2010

2009

Sample Size

13448

38222

37404

36417

Pre-Tax Profit Margin

3.6

1.9

1.6

1.1

Current Ratio

1.4

1.3

1.3

1.3

Borrowing Ratio

34.8

34

25.7

22.4

Return on Capital

33.3

34

38.7

37.9

Creditors Days

57

107

110

91

 

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 24/02/2012.

 

Turnover

Turnover reduced from GBP 186,939,000 to GBP 173,339,000, a decrease of 7 % in the period.

 

Operating Loss

Totalled GBP 9,054,000. In the year prior a Profit of GBP 10,737,000 was achieved.

 

Pre Tax Profit

The subject made a loss of GBP 10,963,000 in the period compared with a profit of GBP 8,685,000 in the previous period.

 

Working Capital

The company's working capital, while remaining positive, decreased by 28 % in the period.

 

Net Worth

Net worth reduced by GBP 14,165,000 during the period and now stands at GBP 35,998,000.

 

Fixed Assets

The subject's fixed assets reduced during the year by GBP 5,903,000 to GBP 38,332,000 and are now 51 % of total assets compared with 48 % in the previous year.

 

Long Term Liabilities

The company's long term liabilities increased during the period by 7% and are now 55 % of net worth compared with 37 % in the previous period.

 

Long Term Liabilities

Long term liabilities are now 27 % of total liabilities compared with 20 % in the previous period.

 

Long Term Liabilities

Long term liabilities are 35 % of capital employed, an increase of 8 % over the previous period.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.98

UK Pound

1

Rs.88.11

Euro

1

Rs.71.67

 

 

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.