MIRA INFORM REPORT

 

 

Report Date :

29.03.2013

 

IDENTIFICATION DETAILS

 

Name :

INFINITIV D.O.O

 

 

Registered Office :

Maksimirska 118, HR 10000 Zagreb

 

 

Country :

Croatia (Hrvatska)

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

15.02.1991

 

 

Legal Form :

limited liability company

 

 

Line of Business :

Non-specialised wholesale of food, beverages and tobacco

 

 

No. of Employees :

5

 

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 :

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

(31.03.2012)

Current Rating

(30.06.2012)

Croatia (Hrvatska)

B2

B2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

CROATIA (HRVATSKA) - ECONOMIC OVERVIEW

 

Though still one of the wealthiest of the former Yugoslav republics, Croatia's economy suffered badly during the 1991-95 war. The country's output during that time collapsed and Croatia missed the early waves of investment in Central and Eastern Europe that followed the fall of the Berlin Wall. Between 2000 and 2007, however, Croatia's economic fortunes began to improve slowly with moderate but steady GDP growth between 4% and 6% led by a rebound in tourism and credit-driven consumer spending. Inflation over the same period remained tame and the currency, the kuna, stable. Croatia experienced an abrupt slowdown in the economy in 2008 and has yet to recover. Difficult problems still remain, including a stubbornly high unemployment rate, uneven regional development, and a challenging investment climate. The new government has announced a more flexible approach to privatization, including the sale in the coming years of state-owned businesses that are not of strategic importance. While macroeconomic stabilization has largely been achieved, structural reforms lag. Croatia will face significant pressure as a result of the global financial crisis, due to reduced exports and capital inflows. Croatia reentered a recession in 2012, and Zagreb cut spending. The government also raised additional revenues through more stringent tax collection and by raising the Value Added Tax in February 2012. Croatia's high foreign debt, strained state budget, and over-reliance on tourism revenue could hinder economic progress over the medium-term

Source : CIA

 


Company name

 

 

 

INFINITIV d.o.o. za trgovinu i usluge

 

Maksimirska 118

 

HR 10000 Zagreb

 

Tel: +385 1/2301143, 2301387

 

Fax: +385 1/2301143, 2301387, 2301145

 

E-mail: infinitiv@zg.t-com.hr infinitiv@infinitiv.hr

 

Web: www.infinitiv.hr

 

 

 

Company profile

 

Established: 1991.
Statistic number: 3712311
Basic capital: HRK 218.400,00
Activity: Non-specialised wholesale of food, beverages and tobacco (46.39)
Staff: 5
Last available data for year: 2011
Total revenue: HRK 45.756.090
Profit before taxes: HRK 4.618.040
Financial stability ratio: 2,4821
Solvency ratio (%): 57,1442
Current ratio: 1,9502

 

Legal form

limited liability company

 

 

Established

1991

 

 

Registered

1991-02-15, Commercial court Zagreb, MBS: 080279646
re-registration according to the Companies act made: 1995.12.19
last court entry: 2012.06.27
Statistic number: 3712311
OIB: 72730052968

 

Establishers

Grga Jurić

Štoosova 22, 10000 Zagreb, Croatia

 

50,00%

 

Nada Jurić

Štoosova 22, 10000 Zagreb, Croatia

50,00%

 

Basic capital

HRK 218.400,00

 


Capital changes:
Until 1997.12.02: HRK 571,00

 

Management

Violeta Jurić Pajić, manager, born 1967.06.22
Tuškanova 22, 10000 Zagreb, Croatia


Grga Jurić, proxy
Štoosova 22, 10000 Zagreb, Croatia

 

 

Activity

Non-specialised wholesale of food, beverages and tobacco
Wholesale and retail trade in sugar, rice, flour, cocoa powder, cocoa butter, dried fruits and dried vegetables, spices and nuts
Foreign Trade
Import from: Italy, Germany, Iran, Netherland, Indo-Asia
Export to: Slovenia, Bosnia and Hercegovina
Representation: F.Url, Hahne, Kalifa, Mocerino

legal site and business premises are located at the above address

legal site till 2004.07.07 at Maksimirska 100, Zagreb

the company owns vehicles, number and type not known
Book value of vehicles 2011-12-31: HRK 329.410,00

Basic activity code (according to NACE Rev.2):
Non-specialised wholesale of food, beverages and tobacco

                                                   (46.39)

 

Staff

2008

  5

   employees

 

2009

  5

   employees

 

2010

  5

   employees

 

2011

  5

   employees

 

2012

  5

   employees

 

Total revenue

2008   

HRK

  55.057.000

 

2009   

HRK

  55.076.000

 

2010   

HRK

  48.071.265

 

2011   

HRK

  45.756.091

 

01-09.2012   

HRK

  31.422.000

 

Real estate

none

 

Assets

Currency: HRK ( x 1.000 )

2011.12.31

2010.12.31

2009.12.31

 

 

 

 

 

 

FIXED ASSETS

8.815

9.067

9.980

 

 

 

Intangible assets

0

9

9

 

 

 

Tangible assets

8.421

8.827

9.740

 

 

 

Long term financ. assets

395

231

231

 

 

 

Long term receivables

0

0

0

 

CURRENT ASSETS

44.868

48.221

42.472

 

 

 

Inventories

3.544

3.074

1.000

 

 

 

Short term receivables

16.210

17.880

19.208

 

 

 

Short term financial assets

24.326

26.104

21.162

 

 

Cash at bank and in hand

788

1.162

1.102

 

ACCRUALS

0

0

0

 

LOSS OVER THE CAPITAL

 

 

0

 

TOTAL ASSETS

53.684

57.288

52.452

 

 

 

 

 

Liabilities

Currency: HRK ( x 1.000 )

2011.12.31

2010.12.31

2009.12.31

 

 

 

 

 

 

EQUITY

30.677

30.261

28.365

 

 

 

Subscribed capital

219

219

218

 

 

 

Revalorizational reserves

4.951

4.951

2.350

 

 

 

Reserves

1.304

3.501

3.501

 

 

 

Profit brought forward

20.538

18.340

18.340

 

 

 

Profit of the period

3.666

3.250

3.954

 

PROVISIONS

0

0

0

 

LONG TERM LIABILITIES

0

16.311

0

 

SHORT TERM LIABILITIES

23.007

10.716

24.087

 

 

 

To suppliers

15.762

0

16.493

 

 

 

Taxes, fees, etc.

110

185

156

 

 

 

Other short term liabilities

7.135

10.531

7.439

 

DEFFERED ITEMS

0

0

0

 

TOTAL LIABILITIES

53.684

57.288

52.452

 

 

 

 

 

Profit/loss account

Currency: HRK ( x 1.000 )

2011.12.31

2010.12.31

2009.12.31

 

 

 

 

 

 

OPERATING REVENUES

44.119

46.366

53.118

 

 

 

Sales in the country

42.899

45.310

52.148

 

 

 

Sales abroad

1.162

958

769

 

 

 

Other revenues

57

99

201

 

OPERATING EXPENSES

40.800

43.578

49.528

 

 

 

Material costs

35.623

37.208

43.889

 

 

 

Staff costs

579

606

422

 

 

 

Depreciation of fixed assets

667

989

1.028

 

 

 

Depreciation of current assets

750

1.317

121

 

 

 

Other operating expenses

3.181

3.458

4.067

 

FINANCIAL REVENUES

1.637

1.705

1.958

 

FINANCIAL EXPENSES

338

376

544

 

EXTRAORDINARY REVENUES

0

0

0

 

EXTRAORDINARY EXPENSES

0

0

0

 

TOTAL REVENUES

45.756

48.071

55.076

 

TOTAL EXPENSES

41.138

43.954

50.072

 

 

 

Profit before taxation

4.618

4.117

5.004

 

 

 

Loss before taxation

0

0

0

 

 

 

Taxation on profit

952

867

1.050

 

PROFIT OF THE PERIOD

3.666

3.250

3.954

 

LOSS OF THE PERIOD

0

0

0

 

 

 

 

 

Financial ratios

 

2011.12.31

2010.12.31

2009.12.31

 

 

 

 

 

 

Financial stability ratio

2,4821

3,8360

2,5833

 

Solvency ratio (%)

57,1442

52,8229

54,0780

 

Debt ratio (in years)

5,3091

6,3755

4,8348

 

Liquidity ratio

1,7962

4,2131

1,7218

 

Current ratio

1,9502

4,5000

1,7633

 

Total assets turnover

0,8523

0,8391

1,0500

 

Inventories turnover

12,9108

15,6381

55,0760

 

Collection period (in days)

132,4435

139,1245

130,6741

 

Creditors Days

128,7804

***

112,2036

 

Inventories bonding

(in days)

27,8836

23,0207

6,5364

 

Profit margin (%)

8,0123

6,7608

7,1792

 

Return on total assets (%)

6,8291

5,6731

7,5383

 

Return on equity (%)

11,9506

10,7399

13,9397

 

Total revenue per employee (x 1.000)

9.151,2180

9.614,2540

11.015,2000

 

Profit per employee

(x 1.000)

733,2200

649,9980

790,8000

 

Equity per employee

(x 1.000)

6.135,4160

6.052,1920

5.673

 

Total assets per employee (x 1.000)

10.736,7280

11.457,5200

10.490,4000

 

Staff costs/Turnover (%)

1,2662

1,2602

0,7662

 

EBIT (x 1.000)

3.318,4400

2.788,0400

3.590

 

EBITDA (x 1.000)

4.735,7900

5.094,0600

4.739

 

EBIT Margin (%)

7,5216

6,0131

6,7585

 

EBITDA Margin (%)

10,7342

10,9866

8,9216

 

 

 

 

 

Quarterly data

Currency: HRK ( x 1.000 )

2012.09.30

2011.09.30

%

 

 

 

 

 

 

Sales in the country

29.584

30.255

97,78

 

Sales abroad

944

926

101,94

 

Other revenues

468

897

52,17

 

TOTAL REVENUES

31.422

32.613

96,35

 

Raw material costs

130

142

91,55

 

Sold goods costs

25.340

25.426

99,66

 

other external costs

913

951

96

 

Staff costs

442

429

103,03

 

Depreciation

0

0

 

 

TOTAL EXPENSES

27.574

27.972

98,58

 

Inventories

3.869

3.735

103,59

 

Cash at bank and in hand

1.822

788

231,22

 

Receivables from clients

15.161

15.919

95,24

 

Liabilities to suppliers

12.640

15.767

80,17

 

Investments in fixed assets

0

290

 

 

 

 

 

 

 

Remarks

2007 import  

HRK

  29.939.214,00

 

2008 import  

HRK

  32.886.994,00

 

2009 import  

HRK

  27.724.320,00

 

2010 import  

HRK

  27.453.225,00

 

2011 import  

HRK

  28.929.278,00

 

 

 

 

 

2007 export  

HRK

  1.937.603,00

 

2008 export  

HRK

  1.368.469,00

 

2009 export  

HRK

  768.553,00

 

2010 export  

HRK

  957.574,00

 

2011 export  

HRK

  1.162.223,00

 

 

 

 

 

      2008 profit

HRK

  5.054.000

 

      2009 profit

HRK

  5.004.000

 

      2010 profit

HRK

  4.117.027

 

      2011 profit

HRK

  4.618.038

 

01-09.2012 profit

HRK

  3.848.000

 

 

 

 

 

 

Short company name: INFINITIV d.o.o.
Investments in:
- 2006: HRK 2.274.768,00
- 2007: HRK    89.198,00
- 2008: HRK    43.045,00
- 2009: HRK   335.771,00
- 2010: HRK    86.457,00
- 2011: HRK   289.656,00
There is no record of payment complaints. Creditreform debt collection department has not handled any case against the company. According to the official information from the Register of transaction accounts, the company accounts are active and are not blocked (date of last check: 2013.03.25).

 

 

 

 

Exchange rate:

 

2007-12-31

EUR 1 = HRK 7,3251

 

 

 

2008-12-31

EUR 1 = HRK 7,3244

 

 

 

2009-12-31

EUR 1 = HRK 7,3062

 

 

 

2010-12-31

EUR 1 = HRK 7,3852

 

 

 

2011-12-31

EUR 1 = HRK 7,5304

 

 

 

2012-12-31

EUR 1 = HRK 7,5456

 

 

 

 

 

 

 

 

 

 

 

 

 


Inflation:

 

 

 

 

2007:

2,9%

 

 

 

2008:

6,4%

 

 

 

2009:

1,9%

 

 

 

2010:

1,1%

 

 

 

2011:

2,3%

 

 

 

2012:

3,4%

 

 

 

Bankers

ERSTE&STEIERMÄRKISCHE BANK d.d.
Jadranski trg 3a, 51000 Rijeka, Croatia
HR812402006-1100250267

 

PRIVREDNA BANKA ZAGREB d.d.
Račkoga 6, 10000 Zagreb, Croatia
HR492340009-1100164035

 

RAIFFEISENBANK AUSTRIA d.d.
Petrinjska 59, 10000 Zagreb, Croatia
HR812484008-1101183631

 

ZAGREBACKA BANKA d.d.
Paromlinska 2, 10000 Zagreb, Croatia
HR092360000-1101573530

 

Mode of payment

no complaints, but occasional delays

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.38

UK Pound

1

Rs.82.32

Euro

1

Rs.69.54

 

INFORMATION DETAILS

 

Report Prepared by :

PDT

 

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.