MIRA INFORM REPORT

 

 

Report Date :

24.07.2013

 

IDENTIFICATION DETAILS

 

Name :

THE SNACK FACTORY (PTY)LTD

 

 

Registered Office :

55 Durham Street, Johannesburg, Gauteng, 2192

 

 

Country :

South Africa

 

 

Date of Incorporation :

01.06.1988

 

 

Com. Reg. No.:

M1988/003077/07

 

 

Legal Form :

Private Company

 

 

Line of Business :

Manufacture of nut foods

 

 

No. of Employees :

60

 

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 :

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)

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

THE SNACK FACTORY (PTY)LTD

Country

South Africa

Subject Contact Person

HANNES BOETA - Financial Manager

Assessment

This is a well-established business.

 

On investigation contact was made with the Financial Manager MR. HANNES BOETA who assisted with most of the information.

 

The financials are considered confidential.

The subject is meeting commitments timeously with suppliers.

 

Please see the available information on the subject below.

 

 

Company information

 

Registered Name

THE SNACK FACTORY (PTY)LTD

Trading as/ Division Name

THE SNACK FACTORY

Previous Name

None

Date of Name Change

None

Registration Number

M1988/003077/07

Registration Date

1988/06/01

Date Commenced Trading

1988-06-01

Age of Business

24 Years 2 Months

History of Business

The subject commenced trading as a new company in 1988.

History of Principals

There are 5 active directors within the company.

Shareholders/Members/Partners of subject and % holding

50 % - LAND L INVESTMENTS, 24 % - UDENI COMPANY, 25 % - ED FAXDENI1 % - BJ LOAN FAN TRUST

Authorised Share Capital

R1000.00

Issued Share Capital/Members Contribution

R 1.00

Status

In Business

Operations Assessment

Supplier of ground nuts and peanuts

Industry/ Customers

The subject provides to retailers and wholesalers.

Export

Unknown

Import

Unknown

Major Industry Code / SICC

30492

Definition of Code

Manufacture of nut foods

Head Office Physical Address

55 Durham Street, JOHANNESBURG, GAUTENG, 2192

Head Office Postal Address

PO.Box 29312, SANDTON, 2131

Current Tel Number

0114853887

Cell Number

0832508481

Current Fax Number

0114853253

Current Email Address

ray@snack.co.za

Web Site Address

None

 

 

Auditors information

 

Company Registered Name

N M N CHARTERED ACCOUNTANTS (SA)

Trading Name

None

Registration Number

6106085211083 (Sole Proprietor)

Physical Address

5th Avenue, LINDEN, 2195

Postal Address

P 0 BOX 44140, LINDEN, 2104

Contact Person

BARON NAIDOO

Contact Number

0117828879

Email

aaran@tncasa.co.za

Principals

1

Judgements Against Subject

No information found on file

Judgements Against Principals

No information found on file

Subject Verified as Client

Yes

Practice Number

948802

VAT Number

Unavailable

Tax Number

1230165845

BEE Status

Unavailable

Financial Year End

February

No of years in Business

Unavailable

Website

None

 

Previous Auditors

Company Name

Phone Number

Time with previous auditors

Comment

THERON AND ASSOCIATES

 

20

 

THERON NAIDOO

 

6

 

 

 

Tax information

 

Vat Number

4790126769

Status

ACTIVE

Vat Liable Date

1991/09/30

Tax Number

9559379848

Tax Clearance Expire Date

 

Financial Year End

February

 


Black Economic Empowerment

 

Status

No

Score

9.00

Expire Date

 

BEE Certificate Available

No

Comment

The subject is not BEE compliant

 

ISO Status

 

Type of ISO Grade

None

ISO Certificate

No

ISO Certificate Available

No

Certified by an Accredited Agent

No

 

Workman's compensation

 

Registered

Yes

Compliance Certified

Yes

 

Company Structure

 

Subsidiaries Information - No Information on Record

Employees

Number of Employees

60

1. Salaried employees

15

2. Waged employees

45

3. Permanent employees

60

Company Fleet

Company Fleet

No of vehicles:

Owned/Leased

Value

Outstanding Balance

Fleet Operations

 

 

 

 

The Fleet is made up of

10

Comment

 

Cars

5

Owned

R 400.00

 

Trucks

5

Owned

R 460.00

 

 

Offices

 

Offices

Offices

Head Office Owned/ Rented

Leased

Rental Company

NAMMILNO

Owned by

 

Value

 

Bond

 

Bank

 

Lease Agreement

4 Years

Lease Expire Date

 

Type of Premises

House with business Rights

 

Branch Information - No Information on Record

 

 

Management Overview

 

Organisation Chart

Level

Position

Name

Comment

 

1

Director

DARREN LOWENTHAL

 

 

2

Director

ERROL SACKSTEIN

 

 

3

Director

BERNARD LOWENTHAL

 

 

4

Director

CRAIG LOWENTHAL

 

 

Company Structure (Ownership)

Note: One level up and all levels down

 

Holding

Company

Sub

Comment

50 % - LAND L INVESTMENTS

THE SNACK FACTORY (PTY) LTD

 

 

25 % - ED FAXDENI

THE SNACK FACTORY (PTY) LTD

 

 

24% - U DEN I COMPANY

THE SNACK FACTORY (PTY) LTD

 

 

1 % - BJ LOAN FAN TRUST

THE SNACK FACTORY (PTY) LTD

 

 

 

Key Deals - No Information on Record


Trade References

 

Trade Reference nr

Supplier

Contact

Surety Value

Notarial Bonds

Comment

1

TRIO TRADE

0128039336

 

 

 

1

TRIO TRADE

0128039336

 

 

 

2

ADVANCE SEED

0117625261

 

 

 

2

ADVANCE SEED

0117625261

 

 

 

3

RJ SHIPPING

0313323431

 

 

 

3

RJ SHIPPING

0313323431

 

 

 

 

Trade References Detail

 

Nr

Age of Acc

Credit Limit

Max Credit

Terms

Average Purchases

Terms Taken

Comment

1

11 Years

 

R 5000000.00

7 Days

R 3000000

7 Days

ExcellentTrade Reference obtained 2012-08-16

1

12 Years

 

R 5000000

7 days

R 3000000

7 days

Excellent account

2

15 Years

R10000000.00

R 4700000.00

7 Days

R1500000

7 Days

ExcellentTrade Reference obtained 2012-08-16

2

16 Years

R10000000.00

R10000000

7 days

R1100000

7 days

Excellent account

3

20 Years

R 600000.00

R 850000.00

30 Days

R 500000

30 Days

Good AccountTrade Reference obtained 2012-08-16

3

21 Years

R1100000.00

R1000000

30 days

R 500000

30 days

Excellent account

 

 

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

 

Bank

NEDBANK

Branch

INDUSTRIA

Brach Code

198765

Bank Account Number

1963273095

Type of Account

CURRENT

Account Name

THE SNACK FACTORY(PTY)LTD

Overdraft Facilities

Unavailable

Bank Code

C - For R 100 000

Bank Comment

Good for the amount quoted, if strictly in the way of business

 

Bank Codes History

Date requested

Bank Code

Enquiry Amount

Number of RD's

RD amount

RD Date

Bank Comments

Years with bank

Comment

2012/08/17

C

R 5000000.00

0

R0.00

 

Good for the amount quoted, if strictly in the way of business

 

 

 

Previous Bank Account Information - No Information on Record

 

 

Deeds Information

 

Property Interests for Company THE SNACK FACTORY (PTY)LTD

 

Title Deed No.

T32689/1999

Erf/Site No.

0

Deeds Office

CAPE TOWN

Physical Address

LANGEBERG RURAL

Property Type

Farms

Extent / Size

43.7810H

Purchase Date

1999/02/25

Purchase price

 

% Ownership

0.00

Bond Holder

LAND  LANDBOUBANK VAN SUID-AFR

Bond Number

B157821999

Bond Amount

 

 

Principals

 

Number of Principals

5

Average Age of Active Principals

61

 


Active Principals Principal - 1of 5 BRIAN MORRIS

Surname

MORRIS

First Name

BRIAN

Other Names

HAMILTON

Marital Status

 

ID Number

531031

Verified ID Number

No

Current Age

59

Designation

AUDITOR

Status

Active

Appointment Date

2006/02/01

Physical Address (at time of Appointment)

LES QUATRE REGNES, ROUTE DC FRANCTIEF, ST BRELADE, JERSEY, 1000

Postal Address

CHARTER PLACE, 23/27 SEATON PLACE, ST HELLER, JERSEY, JE1 3UG

Current Tel Number

Unavailable

Cell number

Unavailable

Shareholding/Membership

0.0000

 

Principal's Adverse - No information on record

 

Business Information for BRIAN MORRIS

 

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

UNITED VENTURES (PTY) LTD

2003/010852/07

In Business

9 Years 3 Months

0

No

 

THE SNACK FACTORY (PTY)LTD

M1988/003077/07

In Business

24 Years 2 Months

0

No

 

AAAKHUTSWI RIVER GAME FARMS (PTY) LTD

M2000/007342/07

In Business

12 Years 4 Months

0

No

 

DROVER INVESTMENTS (PTY) LTD

M2005/001116/07

In Business

7 Years 7 Months

0

No

 

 

Principal's Deeds Information - No information on record

 

Principal - 2of 5 DARREN LOWENTHAL

Surname

LOWENTHAL

First Name

DARREN

Other Names

 

Marital Status

 

ID Number

6405135191182

Verified ID Number

Yes

Current Age

48

Designation

Director

Status

Active

Appointment Date

1993/04/27

Physical Address (at time of Appointment)

2 MORNINGSIDE VILLA, MORNINGSIDE, 2196

Postal Address

PO BOX 1760, BRONKHORSTRSPRUIT, 1020

Current Tel Number

0139333105

Cell number

0832508481

Shareholding/Membership

0.0000

 

Business Information for DARREN LOWENTHAL

 

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

TARLO PROPERTIES (PTY) LTD

2004/031492/07

In Business

7 Years 10 Months

0

No

 

THE SNACK FACTORY (PTY)LTD

M1988/003077/07

In Business

24 Years 2 Months

0

No

 

DROVER INVESTMENTS (PTY) LTD

M2005/001116/07

In Business

7 Years 7 Months

0

No

 

 

Principal's Deeds Information - No information on record

 

Principal - 3of 5 ERROL SACKSTEIN

Surname

SACKSTEIN

First Name

ERROL

Other Names

 

Marital Status

 

ID Number

4102285017093

Verified ID Number

Yes

Current Age

71

Designation

Director

Status

Active

Appointment Date

1991/02/18

Physical Address (at time of Appointment)

35A MURRAY STREET, WAVERLEY, JOHANNESBURG, 2090

Postal Address

P 0 BOX 43231, INDUSTRIA, 2043

Current Tel Number

0118870143

Cell number

0829033900

Shareholding/Membership

0.0000

 


Principal's Adverse - No information on record

 

Business Information for ERROL SACKSTEIN

 

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

E SACKSTEIN INVESTMENTS (PTY) LTD

1970/011328/07

In Business

42 Years

0

No

 

TAUCO

PROPERTIES CC

1987/000727/23

In Business

25 Years 7 Months

0

No

 

VAAL SEEDLINGS CC

1987/011419/23

In Business

25 Years 3 Months

0

No

 

CYCAD FINANCIAL HOLDINGS LTD

1998/008637/06

In Business

14 Years 3 Months

0

No

 

SEVEN ARROWS PROTECTION ALLIANCE CC

2003/088372/23

Conversion CO/CC or CC/CO

8 Years 10 Months

0

No

 

LATIN AMERICA AFRICA TRADING (PTY) LTD

2004/026189/07

In Business

7 Years 11 Months

0

No

 

NIGHT BREEZE INVESTMENTS 102 CC

2005/161031/23

In Business

6 Years 9 Months

0

No

 

KEW ACTION GROUP

2006/039229/08

In Business

5 Years 8 Months

0

No

 

ERF 7145 PORT ALFRED CC

2009/056799/23

In Business

3 Years 5 Months

0

No

 

LEGEND INVESTMENTS (PTY) LTD

M1968/005907/07

In Business

44 Years 3 Months

0

No

 

MALMO (PTY)LTD

M1969/009469/07

In Business

43 Years 2 Months

0

No

 

B SCHREIBER INVESTMENTS (PTY) LTD

M1980/005528/07

In Business

32 Years 2 Months

0

No

 

THE SNACK FACTORY (PTY)LTD

M1988/003077/07

In Business

24 Years 2 Months

0

No

 

R F G

INVESTMENTS SHARE BLOCK (PTY) LTD

M1992/005313/07

In Business

19 Years 11 Months

0

No

 

PACOLET

PROPERTIES SHARE BLOCK (PTY)LTD

M1992/005782/07

In Business

19 Years 10 Months

0

No

 

ROLBEN SHARE BLOCK (PTY)LTD

M1992/005783/07

In Business

19 Years 10 Months

0

No

 

NATIONAL FLAG (PTY) LTD

M2001/023101/07

In Business

10 Years 11 Months

0

No

 

DROVER

M2005/001116/07

In Business

7 Years 7 Months

0

No

 

INVESTMENTS

 

 

 

 

 

 

(PTY) LTD

 

 

 

 

 

 

 

Principal Previous Business Interests

 

Average Age of Previous Business                                                           34 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

NEWTON AND TAYLOR (PTY) LTD

1948/029567/07

Voluntary Liquidation

64 Years 3 Months

0

Yes

 

CAWOOD SALT WORKS (PTY) LTD

1952/002280/07

In Business

60 Years

0

No

 

BUFFALO ESTATES (PTY) LTD

1953/001709/07

Deregistration Final

58 Years 11 Months

0

No

 

BIC 2003 (PTY)LTD

1959/003433/07

Deregistration Final

52 Years 11 Months

0

No

 

SALT REFINERS AND PACKERS (PTY)LTD

1965/007755/07

In Business

46 Years 11 Months

0

No

 

UPINGTON SOUTMYN (PTY) LTD

1967/013233/07

Deregistration Final

44 Years 8 Months

0

No

 

THERMOTROPIC (PTY) LTD

1969/015496/07

Deregistration Final

42 Years 10 Months

0

No

 

THERMETTE (PTY)LTD

1971/006372/07

Deregistration Final

41 Years 2 Months

0

No

 

STYROMOULD PLASTICS (PTY)LTD

1971/010720/07

Deregistration Final

40 Years 11 Months

0

No

 

SOLAR SALT PROCESSORS (PTY) LTD

1980/001324/07

In Business

32 Years 6 Months

0

No

 

POLO RESTAURANTS (PTY) LTD

1983/003882/07

Deregistration Final

29 Years 4 Months

0

No

 

BIC (SOUTH AFRICA) (PTY) LTD

1985/003576/07

In Business

27 Years

0

No

 

TIPP-EX SOUTH AFRICA (PTY)LTD

1990/005518/07

Dissolved

21 Years 11 Months

0

No

 

BIC DRAWING AND WRITING INSTRUMENTS (PTY) LTD

1993/004878/07

Voluntary Liquidation

19 Years

0

Yes

 

SAVOY WAVERLEY ACTIVE PROTECTION

2006/036496/08

In Business

5 Years 9 Months

0

No

 

SAVOY WAVERLEY

RESIDENTIAL

ASSOCIATION

2007/013533/08

In Business

5 Years 3 Months

0

No

 

7ARROWS SECURITY (PTY) LTD

2009/004183/07

In Business

3 Years 5 Months

0

No

 

BIC HOLDINGS SOUTHERN AFRICA (PTY) LTD

M1958/003726/07

In Business

53 Years 9 Months

0

No

 

INDUSTRIAL SALT (PTY) LTD

M1989/000373/07

In Business

23 Years 7 Months

0

No

 

STUDENTS IN FREE ENTERPRISE SOUTH AFRICA

M2002/004683/08

In Business

10 Years 6 Months

0

No

 

PROJECTS TO CREATE JOBS

M2002/018026/08

In Business

10 Years 1 Months

0

No

 

CONSUMEX LTD

1944/018185/06

Deregistration Final

67 Years 8 Months

0

No

 

Principal's Deeds Information - No information on record

 

 

Principal - 4of 5 BERNARD LOWENTHAL

Surname

LOWENTHAL

First Name

BERNARD

Other Names

 

Marital Status

 

ID Number

3411275065007

Verified ID Number

Yes

Current Age

78

Designation

Director

Status

Active

Appointment Date

1991/02/18

Physical Address (at time of Appointment)

2 ANDALYN 105 EAST ROAD, ATHOLL, SANDTON, 2196

Postal Address

P O BOX 9, BOKSBURG, 1459

Current Tel Number

0113062000

Cell number

0836540105

Shareholding/Membership

0.0000

 

Principal's Adverse - No information on record

 

Business Information for BERNARD LOWENTHAL

 

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

AQUINAS INVESTMENTS (PTY) LTD

1959/004673/07

In Business

52 Years 8 Months

0

No

 

BBW MOTORS (PTY) LTD

1966/002207/07

In Business

46 Years 5 Months

0

No

 

CONSOLIDATED AUTO (PTY)LTD

1970/005364/07

In Business

42 Years 4 Months

0

No

 

CONSORTIUM INVESTMENTS (PTY) LTD

1986/005116/07

In Business

25 Years 8 Months

0

No

 

ECM PROPS (PTY) LTD

1996/000253/07

In Business

16 Years 7 Months

0

No

 

EASTERN CAPE MOTOR HOLDINGS (PTY) LTD

1996/000920/07

In Business

16 Years 7 Months

0

No

 

COMBOTRADE EIGHT (PTY)LTD

1997/000702/07

In Business

15 Years 7 Months

0

No

 

CARS4LESS (PTY) LTD

2003/005330/07

In Business

9 Years 5 Months

0

No

 

TARLO PROPERTIES (PTY) LTD

2004/031492/07

In Business

7 Years 10 Months

0

No

 

MALMO (PTY)LTD

M1969/009469/07

In Business

43 Years 2 Months

0

No

 

EASTERN CAPE MOTORS (PTY)LTD

M1984/011119/07

In Business

27 Years 8 Months

2

No

 

THE SNACK FACTORY (PTY)LTD

M1988/003077/07

In Business

24 Years 2 Months

0

No

 

CONSORTIUM MOTORS (PTY)LTD

M1988/004080/07

In Business

24 Years 1 Months

0

No

 

LAND L INVESTMENTS (PTY) LTD

M1990/005443/07

In Business

21 Years 11 Months

0

No

 

NEWTON SERVICE STATION (PTY)LTD

M1996/007348/07

In Business

16 Years 2 Months

0

No

 

BOBBY LOWENTHAL INVESTMENT COMPANY (PTY) LTD

M1996/010705/07

In Business

16 Years

0

No

 

F AND 1 CHANGING TIDES (PTY)LTD

M2003/022658/07

In Business

8 Years 11 Months

0

No

 

DROVER INVESTMENTS (PTY) LTD

M2005/001116/07

In Business

7 Years 7 Months

0

No

 

CVI IMPORTERS (PTY) LTD

M2007/020551107

In Business

5 Years 1 Months

0

No

 

CU VEHICLE RENTAL (PTY)LTD

M2007/026544/07

In Business

4 Years 11 Months

0

No

 

QUALITY DIRECT (PTY) LTD

M2008/010131/07

In Business

4 Years 4 Months

0

No

 

 

Principal Previous Business Interests

 

Average Age of Previous Business                                               46 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

DATNIS PORT ELIZABETH (PTY)LTD

1965/009941/07

Deregistration Final

46 Years 9 Months

0

No

 

 

Principal's Deeds Information - No information on record

 

 

Principal - 5of 5 CRAIG LOWENTHAL

Surname

LOWENTHAL

First Name

CRAIG

Other Names

 

Marital Status

 

ID Number

6104125249106

Verified ID Number

Yes

Current Age

51

Designation

Director

Status

Active

Appointment Date

1991/02/18

Physical Address (at time of Appointment)

60 6TH STREET, HOUGHTON, 2198

Postal Address

60 6TH STREET, HOUGHTON, 2198

Current Tel Number

0114853887

Cell number

Unavailable

Shareholding/Membership

0.0000

 

Principal's Adverse - No information on record

 

Business Information for CRAIG LOWENTHAL

 

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

TWENTY-THREE GRENVILLE AVENUE CC

1988/026909/23

Conversion CO/CC or CC/CO

23 Years 11 Months

0

No

 

LATIN AMERICA AFRICA TRADING (PTY) LTD

2004/026189/07

In Business

7 Years 11 Months

0

No

 

MALMO (PTY)LTD

M1969/009469/07

In Business

43 Years 2 Months

0

No

 

THE SNACK FACTORY (PTY)LTD

M1988/003077/07

In Business

24 Years 2 Months

0

No

 

LAND L INVESTMENTS (PTY) LTD

M1990/005443/07

In Business

21 Years 11 Months

0

No

 

PETALCORE INVESTMENTS (PTY) LTD

M2002/006638/07

In Business

10 Years 5 Months

0

No

 

DROVER INVESTMENTS (PTY) LTD

M2005/001116/07

In Business

7 Years 7 Months

0

No

 

 

Principal's Deeds Information - No information on record

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.69

UK Pound

1

Rs.91.66

Euro

1

Rs.78.69

 

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

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NB

New Business

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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.