MIRA INFORM REPORT

 

 

Report Date :

23.01.2013

 

IDENTIFICATION DETAILS

 

Name :

ASOS.COM LTD

 

 

Registered Office :

Second Floor Greater London House Hampstead Road London, NW1 7FB

 

 

Country :

United Kingdom

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

19.06.1998

 

 

Com. Reg. No.:

03584121

 

 

Legal Form :

Private Subsidiary

 

 

Line of Business :

Retail sale via mail order house

 

 

No. of Employees :

842

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

Payment Behaviour :

No Complaints

Litigation :

Clear

 

NOTES :

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

 

ECGC Country Risk Classification List – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

United Kingdom

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

UNITED KINGDOM - ECONOMIC OVERVIEW

 

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

Source : CIA


Company name and address

Top of Form

Bottom of Form

Top of Form

Asos.Com Ltd.

                                                                                                                                     

 

Second Floor Greater London House

Hampstead Road

 

London, NW1 7FB

United Kingdom

(Trading Address)
Registered Address

 

 

Tel:

020 7756 1000

 

www.asos.com

 

Employees:

842

Company Type:

Private Subsidiary

Corporate Family:

4 Companies

Ultimate Parent:

ASOS plc

 

 

Quoted Status:

Non-quoted Company

Incorporation Date:

19-Jun-1998

Auditor:

PricewaterhouseCoopers LLP

Financials in:

 USD (mil)

Fiscal Year End:

31-Mar-2012

Reporting Currency:

British Pound Sterling

Annual Sales:

789.2  1

Net Income:

49.6

Total Assets:

286.2

                           

Business Description             

 

Asos.com Ltd. is an online fashion store that stocks an extensive range of designer labels, lifestyle accessories and beauty brands for men and women. Its men’s wear range includes coats, jackets, casual wear, tweed and cord jackets, trousers, knitwear and shirts. The company also offers formal and business wear suits, ties and sportswear. Its product line includes cufflinks, belts, wallets and grooming products. It also offers a variety of bags, purses, wallets, hats, jewellery, lingerie, caps and accessories. In addition, the company stocks a complete line of footwear.

          

Industry                                                                                                                                

 

Industry

Retail (Catalog and Mail Order)

ANZSIC 2006:

4310 - Non-Store Retailing

NACE 2002:

5261 - Retail sale via mail order house

NAICS 2002:

454113 - Mail-Order Houses

UK SIC 2003:

5261 - Retail sale via mail order house

UK SIC 2007:

4791 - Retail sale via mail order houses or via Internet

US SIC 1987:

5961 - Catalog and Mail-order Houses

 

 Key Executives           

   

 

Name

Title

Nicholas Timothy Beighton

Director & Company Secretary

Andrew Magowan

Secretary

Nicholas John Robertson

Director & Co-founder

Michelle Emmerson

Director

Jonathan Damian Kamaluddin

Director

     

Financial Summary                                                                                         

 

FYE: 31-Mar-2012

USD (mil)

Key Figures

 

Current Assets

208.19

Fixed Assets

78.00

Total Liabilities

148.76

Net Worth

135.94

 

Key Ratios

 

Current Ratio

1.40

Acid Test

0.54

 

 

 

1 - Profit & Loss Item Exchange Rate: USD 1 = GBP 0.6267523
2 - Balance Sheet Item Exchange Rate: USD 1 = GBP 0.6281078

 

 

Corporate Overview

 

Location
Second Floor Greater London House
Hampstead Road
London, NW1 7FB
London County
United Kingdom

 

Tel:

020 7756 1000

 

www.asos.com

Sales GBP(mil):

494.6

Assets GBP(mil):

179.8

Employees:

842

Fiscal Year End:

31-Mar-2012

 

Industry:

Retail (Catalog and Mail Order)

Registered Address:
Second Floor
Greater London House
Hampstead Road
London, NW1 7FB
United Kingdom

 

Incorporation Date:

19-Jun-1998

Company Type:

Private Subsidiary

Quoted Status:

Not Quoted

Registered No.(UK):

03584121

 

Director & Company Secretary:

Nicholas Timothy Beighton

 

Industry Codes

 

ANZSIC 2006 Codes:

4310

-

Non-Store Retailing

 

NACE 2002 Codes:

5261

-

Retail sale via mail order house

 

NAICS 2002 Codes:

454113

-

Mail-Order Houses

 

US SIC 1987:

5961

-

Catalog and Mail-order Houses

 

UK SIC 2003:

5261

-

Retail sale via mail order house

 

UK SIC 2007:

4791

-

Retail sale via mail order houses or via Internet

 

 

Business Description

Asos.com Ltd. is an online fashion store that stocks an extensive range of designer labels, lifestyle accessories and beauty brands for men and women. Its men’s wear range includes coats, jackets, casual wear, tweed and cord jackets, trousers, knitwear and shirts. The company also offers formal and business wear suits, ties and sportswear. Its product line includes cufflinks, belts, wallets and grooming products. It also offers a variety of bags, purses, wallets, hats, jewellery, lingerie, caps and accessories. In addition, the company stocks a complete line of footwear.

 

More Business Descriptions

E-commerce

 

 

 

 

 

 

Financial Data

Financials in:

GBP(mil)

 

Revenue:

494.6

Net Income:

31.1

Assets:

179.8

Current Assets:

130.8

 

Fixed Assets:

49.0

 

Long Term Debt:

0.0

 

Total Liabilities:

93.4

 

Issued Capital:

1.0

 

Working Capital:

37.3

 

Net Worth:

85.4

 

 

 

Date of Financial Data:

31-Mar-2012

 

1 Year Growth

45.6%

NA

0.7%

 

Key Corporate Relationships

Auditor:

PricewaterhouseCoopers LLP

 

Auditor:

PricewaterhouseCoopers LLP

 

Auditor History

PricewaterhouseCoopers LLP

31-Mar-2012

PricewaterhouseCoopers LLP

31-Mar-2011

PricewaterhouseCoopers LLP

31-Mar-2010

PricewaterhouseCoopers LLP

31-Mar-2009

PricewaterhouseCoopers LLP

31-Mar-2008

 

 

 

GBP(mil)

Audit Fees:

0.1

Non Audit Fees:

0.1

Audit Fiscal Year:

03-31-2012

 

 

 

 

 

Gazette Status

Description

Action Date

Publication

Publication Date

Claim Form

21-Dec-2010

 

13-Jan-2011

 

 

 

 

 

 

Corporate Structure News

 

Asos.Com Ltd.
Total Corporate Family Members: 4

 

 

Company Name

Company Type

Location

Country

Industry

Sales
(USD mil)

Employees

ASOS plc

Parent

London

United Kingdom

Retail (Catalog and Mail Order)

789.7

842

Asos.Com Ltd.

Subsidiary

London

United Kingdom

Retail (Catalog and Mail Order)

789.2

842

Crooked Tongues Ltd.

Subsidiary

London

United Kingdom

Retail (Specialty)

2.4

6

Asos Marketplace Ltd.

Subsidiary

London

United Kingdom

Retail (Catalog and Mail Order)

0.5

 

 



 

 

Executives Report

 

Board of Directors

 

Name

Title

Function

Nicholas Timothy Beighton

 

Director & Company Secretary

Director/Board Member

Age: 44

 

Michelle Emmerson

 

Director

Director/Board Member

 

 

Age: 42

 

Jonathan Damian Kamaluddin

 

Director

Director/Board Member

 

 

Age: 39

Nicholas John Robertson

 

Director & Co-founder

Director/Board Member

 

 

Age: 45

 

Executives

 

Name

Title

Function

Nicholas Timothy Beighton

 

Director & Company Secretary

Company Secretary

Age: 44

 

Andrew Magowan

 

Secretary

Company Secretary

 

 

 

Directors and Shareholders Report

 

Annual Return Date: 19 Jun 2012
Total Issued Capital (GBP 000): 1,000

 

Individual Directors


Name

Status

DOB

Filed Address

Appointment Date

Resignation Date

Summary of Directorships

 

Jonathan Damian
Kamaluddin

Current

13 Apr 1973

Greater London House 2Nd Floor Hampstead Road,
London , London NW1 7FB

01 Nov 2004

NA

Current:5
Previous:4
Disqualifications:0

 

Nicholas Timothy
Beighton

Current

22 Aug 1968

Greater London House 2Nd Floor Hampstead Road,
London , London NW1 7FB

27 Apr 2009

NA

Current:5
Previous:14
Disqualifications:0

 

Michelle
Emmerson

Current

18 Sep 1970

Second Floor, Greater London House,
London , London NW1 7FB

07 Sep 2012

NA

Current:1
Previous:0
Disqualifications:0

 

Nicholas John
Robertson

Current

16 Nov 1967

Second Floor, Greater London House,
London , London NW1 7FB

19 Jun 1998

NA

Current:6
Previous:0
Disqualifications:0

 

John Llewellyn
Morgan

Previous

25 Aug 1967

Wootton Hall Sparrow Lane, Wootton Bassett,
Swindon, Wiltshire SN4 7AG

01 Mar 2000

01 Nov 2004

Current:1
Previous:6
Disqualifications:0

 

Quentin John
Griffiths

Previous

20 Oct 1967

29 Braidley Road,
Bournemouth, Dorset BH2 6JX

01 Jul 2002

02 Jun 2004

Current:2
Previous:5
Disqualifications:0

 

Robert
Bready

Previous

19 May 1968

Second Floor, Greater London House,
London , London NW1 7FB

05 Apr 2006

09 Oct 2012

Current:1
Previous:3
Disqualifications:0

 

Gregory James
Conway

Previous

10 Jan 1948

8 The Mews, Queniborough Hall Drive Queniborough,
Leicester, Leicestershire LE7 3DZ

11 Jul 2005

14 Mar 2006

Current:1
Previous:3
Disqualifications:0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Corporate Directors


Company Name

Status

Registered Address

Appointment Date

Resignation Date

Waterlow Nominees Limited

Previous

6-8 Underwood Street,
London , London N1 7JQ

19 Jun 1998

19 Jun 1998

 

 

 

 

Individual Secretaries


Name

Status

DOB

Filed Address

Appointment Date

Resignation Date

Summary of Directorships

 

Andrew
Magowan

Current

NA

Second Floor, Greater London House,
London , London NW1 7FB

27 Apr 2012

NA

Current:1
Previous:0
Disqualifications:0

 

John Llewellyn
Morgan

Previous

25 Aug 1967

Wootton Hall Sparrow Lane, Wootton Bassett,
Swindon, Wiltshire SN4 7AG

01 Jul 2002

01 Nov 2004

Current:1
Previous:6
Disqualifications:0

 

Jonathan Damian
Kamaluddin

Previous

13 Apr 1973

Greater London House 2Nd Floor Hampstead Road,
London , London NW1 7FB

01 Nov 2004

27 Apr 2009

Current:5
Previous:4
Disqualifications:0

 

Quentin John
Griffiths

Previous

20 Oct 1967

29 Braidley Road,
Bournemouth, Dorset BH2 6JX

19 Jun 1998

01 Jul 2002

Current:2
Previous:5
Disqualifications:0

 

Nicholas Timothy
Beighton

Previous

22 Aug 1968

Greater London House 2Nd Floor Hampstead Road,
London , London NW1 7FB

27 Apr 2009

27 Apr 2012

Current:5
Previous:14
Disqualifications:0

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Corporate Secretaries


Company Name

Status

Registered Address

Appointment Date

Resignation Date

Waterlow Secretaries Limited

Previous

6-8 Underwood Street,
London , London N1 7JQ

19 Jun 1998

19 Jun 1998

 

 

 

 

Individual Shareholders


There are no individual shareholders for this company.

 

 

 

 

 

 

 

 

 

 

Corporate Shareholders


Company Name

Registration Number

Share Details
(As Reported)

Share Type

# of Shares

Share Price (GBP)

Share Value (GBP)

% of Total Shares

Asos Plc

04006623

1000000 Subordinated Ordinary GBP 1.00

Subordinated Ordinary

1,000,000

1.00

1,000,000.00

100.00

Asos Plc

04006623

2 Preferred Ordinary GBP 1.00

Preferred Ordinary

2

1.00

2.00

<0.01

 

 

 

 


Annual Profit & Loss

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

  Financial Glossary

 

 

 

31-Mar-2012

31-Mar-2011

31-Mar-2010

31-Mar-2009

31-Mar-2008

Period Length

52 Weeks

52 Weeks

52 Weeks

52 Weeks

52 Weeks

Filed Currency

GBP

GBP

GBP

GBP

GBP

Exchange Rate (Period Average)

0.626752

0.643394

0.627794

0.592803

0.498361

Consolidated

No

No

No

No

No

 

 

 

 

 

 

Turnover (UK)

-

300.6

-

-

-

Turnover (Exports)

-

227.4

-

-

-

Total Turnover

789.2

527.9

355.2

279.0

162.6

Cost of Sales

387.7

323.3

206.9

158.1

87.8

Gross Profit

401.5

204.7

148.4

120.9

74.8

Depreciation

12.3

5.2

5.3

3.1

1.9

Other Expenses

349.7

158.8

115.5

97.1

60.6

Operating Profit

51.8

-

32.9

-

14.2

Other Income

0.0

0.0

0.2

0.5

0.7

Interest Paid

1.4

0.3

0.0

0.0

0.0

Exceptional Income

0.0

-20.1

0.0

0.0

0.0

Discontinued Operations

0.0

0.0

0.0

0.0

0.0

Profit Before Taxes

50.4

25.5

33.0

24.3

14.9

Tax Payable / Credit

0.8

0.2

7.8

6.2

4.9

Extraordinary Items/Debits

0.0

0.0

0.0

0.0

0.0

Dividends

0.0

0.0

0.0

0.0

0.0

Profit After Taxes

49.6

25.3

25.3

18.1

10.0

Minority Interests (Profit & Loss)

0.0

0.0

0.0

0.0

0.0

Audit Fees

0.2

0.1

0.1

0.1

0.1

Non Audit Fees

0.2

0.2

0.4

0.3

0.0

Number of Employees

842

657

547

370

176

Wages

44.7

34.9

30.1

26.6

14.4

Social Security Costs

4.9

3.9

3.8

2.4

1.8

Pensions

0.2

0.2

0.2

0.1

0.0

Other Pension Costs

2.2

2.6

2.1

1.9

1.6

Employees Remuneration

51.8

41.4

36.1

31.0

17.8

Directors Emoluments

3.0

2.2

2.0

1.9

1.7

Other Costs

0.1

0.2

3.5

2.5

0.9

Directors Remuneration

3.3

2.5

5.7

4.5

2.5

Highest Paid Director

3.3

-

2.2

2.4

0.7

 




 

Annual Balance Sheet

Financials in: USD (mil)

 

  Financial Glossary

 

 

 

31-Mar-2012

31-Mar-2011

31-Mar-2010

31-Mar-2009

31-Mar-2008

Filed Currency

GBP

GBP

GBP

GBP

GBP

Exchange Rate

0.628108

0.62385

0.659239

0.697666

0.503145

Consolidated

No

No

No

No

No

 

 

 

 

 

 

Land & Buildings

3.7

33.4

1.3

4.8

0.1

Fixtures & Fittings

69.7

19.6

23.9

11.7

11.0

Plant & Vehicles

0.0

0.0

0.1

0.1

0.0

Total Tangible Fixed Assets

73.3

53.0

25.3

16.6

11.1

Intangible Assets

0.0

0.0

0.0

0.0

0.0

Investments

4.7

5.2

5.3

4.3

0.0

Total Fixed Assets

78.0

58.2

30.6

20.9

11.1

Stocks

-

-

-

-

23.2

Work in Progress

-

-

-

-

0.0

Total Stocks Work In Progress

128.3

105.9

57.2

40.3

23.2

Trade Debtors

2.3

1.4

1.3

1.1

3.5

Inter-Company Debtors

6.1

3.4

-

0.1

-

Other Debtors

30.4

15.0

6.9

3.9

8.2

Total Debtors

38.8

19.8

8.2

5.1

11.7

Cash and Equivalents

37.9

7.4

23.6

19.3

20.4

Other Current Assets

3.2

9.2

0.0

0.0

0.0

Total Current Assets

208.2

142.3

89.0

64.7

55.4

Total Assets

286.2

200.5

119.6

85.6

66.5

Trade Creditors

44.9

37.5

27.1

27.8

16.3

Bank Overdraft

-

-

-

0.0

0.0

Inter-Company Creditors

3.7

3.4

1.9

1.3

1.8

Director Loans (Current Liability)

-

-

-

0.0

0.0

Hire Purchase (Current Liability)

-

-

-

0.0

0.0

Finance Lease (Current Liability)

-

-

-

0.0

0.0

Total Finance Lease/Hire Purchase (Current Liability)

-

-

-

0.0

0.0

Total Short Term Loans

-

-

-

0.0

0.0

Accruals/Deferred Income (Current Liability)

-

-

-

20.0

16.0

Social Security/VAT

12.9

8.2

10.3

1.9

8.9

Corporation Tax

1.4

-

-

0.0

0.0

Dividends (Current Liability)

-

-

-

0.0

0.0

Other Current Liabilities

85.8

59.2

20.4

0.0

0.0

Total Current Liabilities

148.8

108.4

59.8

51.0

43.0

Group Loans (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Director Loans (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Hire Purchase (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Leasing (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Total Hire Purchase Loans (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Other Long Term Loans

0.0

0.0

0.0

0.0

0.0

Accruals/Deferred Income (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Other Long Term Liabilities

0.0

0.0

0.0

0.0

0.0

Total Long Term Liabilities

0.0

0.0

0.0

0.0

0.0

Deferred Taxation

0.0

-

0.0

0.0

1.4

Other Provisions

1.5

3.0

0.0

0.0

0.0

Total Provisions

1.5

3.0

0.0

0.0

1.4

Issued Capital

0.0

0.0

0.0

0.0

0.0

Share Premium Accounts

0.0

0.0

0.0

0.0

0.0

Revaluation Reserve

0.0

0.0

0.0

0.0

0.0

Retained Earnings

135.9

89.1

59.9

34.6

22.2

Other Reserves

0.0

0.0

0.0

0.0

0.0

Minority Interests (Balance Sheet)

0.0

0.0

0.0

0.0

0.0

Total Shareholders Funds

135.9

89.1

59.9

34.6

22.2

Net Worth

135.9

89.1

59.9

34.6

22.2

 




 

Annual Cash Flows

Financials in: USD (mil)

 

  Financial Glossary

 

 

 

31-Mar-2012

31-Mar-2011

31-Mar-2010

31-Mar-2009

31-Mar-2008

Period Length

52 Weeks

52 Weeks

52 Weeks

52 Weeks

52 Weeks

Filed Currency

GBP

GBP

GBP

GBP

GBP

Exchange Rate (Period Average)

0.626752

0.643394

0.627794

0.592803

0.498361

Consolidated

No

No

No

No

No

 

 

 

 

 

 

 




 

Annual Ratios

Financials in: USD (mil)

 

 

 

31-Mar-2012

31-Mar-2011

31-Mar-2010

31-Mar-2009

31-Mar-2008

Period Length

52 Weeks

52 Weeks

52 Weeks

52 Weeks

52 Weeks

Filed Currency

GBP

GBP

GBP

GBP

GBP

Exchange Rate

0.628108

0.62385

0.659239

0.697666

0.503145

Consolidated

No

No

No

No

No

 

 

 

 

 

 

Current Ratio

1.40

1.31

1.49

1.27

1.29

Liquidity Ratio

0.54

0.34

0.53

0.48

0.75

Stock Turnover

6.14

5.14

5.91

5.89

6.93

Credit Period (Days)

1.05

0.95

1.36

1.71

8.00

Working Capital by Sales

7.55%

6.23%

8.64%

5.78%

7.71%

Trade Credit by Debtors

19.83

26.48

21.48

24.93

4.62

Return on Capital

36.59%

28.52%

52.54%

59.55%

62.64%

Return on Assets

17.57%

13.10%

26.29%

24.10%

22.16%

Profit Margin

6.39%

4.83%

9.30%

8.70%

9.15%

Return on Shareholders Funds

36.99%

29.49%

52.54%

59.55%

66.45%

Borrowing Ratio

2.75%

3.86%

3.23%

3.61%

8.05%

Equity Gearing

47.50%

44.43%

50.04%

40.46%

33.34%

Interest Coverage

37.16

76.24

-

-

-

Sales by Tangible Assets

10.74

10.28

13.36

14.29

14.50

Average Remuneration per Employee

0.1

0.1

0.1

0.1

0.1

Profit per Employee

0.1

0.0

0.1

0.1

0.1

Sales per Employee

0.9

0.8

0.6

0.6

0.9

Capital Employed per Employee

0.2

0.1

0.1

0.1

0.1

Tangible Assets per Employee

0.1

0.1

0.0

0.0

0.1

Total Assets per Employee

0.3

0.3

0.2

0.2

0.4

Employee Remuneration by Sales

6.56%

7.84%

10.15%

11.09%

10.95%

Creditor Days (Cost of Sales Based)

42.34

41.07

50.17

75.47

68.40

Creditor Days (Sales Based)

20.80

25.15

29.22

42.75

36.94

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.53.51

UK Pound

1

Rs.84.85

Euro

1

Rs.71.43

 

 

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.