MIRA INFORM REPORT

 

 

Report Date :

08.11.2013

 

IDENTIFICATION DETAILS

 

Name :

MUT TUBES, S.R.O.

 

 

Registered Office :

Hybernská 1271/32 110 00 Praha 1 

 

 

Country :

Czech Republic

 

 

Financials (as on) :

30.09.2013

 

 

Date of Incorporation :

06.01.2006

 

 

Com. Reg. No.:

C-111820

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Wholesale of steel tubes, hole profiles as well as of all range of tube accessories. 

 

 

No. of Employees :

22 Employees

 

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 – March 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Czech Republic

B1

B1

 

Risk Category

ECGC Classification

 

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

CZECH REPUBLIC - ECONOMIC OVERVIEW

 

The Czech Republic is a stable and prosperous market economy closely integrated with the EU, especially since the country's EU accession in 2004. While the conservative, inward-looking Czech financial system has remained relatively healthy, the small, open, export-driven Czech economy remains sensitive to changes in the economic performance of its main export markets, especially Germany. When Western Europe and Germany fell into recession in late 2008, demand for Czech goods plunged, leading to double digit drops in industrial production and exports. As a result, real GDP fell 4.7% in 2009, with most of the decline occurring during the first quarter. Real GDP, however, slowly recovered with positive quarter-on-quarter growth starting in the second half of 2009 and continuing throughout 2011. In 2012, however, the economy fell into a recession due to a slump in external demand. The auto industry remains the largest single industry, and, together with its upstream suppliers, accounts for nearly 24% of Czech manufacturing. The Czech Republic produced more than a million cars for the first time in 2010, over 80% of which were exported. Foreign and domestic businesses alike voice concerns about corruption especially in public procurement. Other long term challenges include dealing with a rapidly aging population, funding an unsustainable pension and health care system, and diversifying away from manufacturing and toward a more high-tech, services-based, knowledge economy.

Source : CIA


 

Company Name and Address

 

MUT Tubes, s.r.o.

Hybernská 1271/32 
110 00 Praha 1 


telephone: 00420/ 246 008 611
telefax: 00420/ 246 008 640
e-mail: info@mutt.cz
Web: www.mutt.cz

 

 

Company development

Stagnant business development

Order situation

Satisfactory order situation

 

Terms of payment

no complaints

Business connection

Business connections appear permissible

 

 

 

Company Summary

 

Legal form

Private limited company

 

 

Foundation

06/01/2006 - Private limited company

 

Comp. Register

06/01/2006, Městský soud v Praze, RegNr.: C 111820
Statistical number: 27412598
Tax number: CZ27412598

 

Events, negative information

11.12.2008 - lien on the ownership interest of shareholders

Remark: 
The business of shareholders Ing. Lubomir Zahrádky company is pledged as security in favor of MUT Tubes, Ltd. on the basis of a suspension of share trading on December 11, 2008.

 

 

Share Capital

06/01/2006

CZK

3 000 000,-

 

 

 

 20/06/2008

CZK

25 000 000,-

 

 

 

28/06/2011

CZK

50 000 000,-

 

 

 

Shareholders

Buhlmann International GmbH
Arberger Haferdamm 1, 28309 Bremen, Germany

CZK

27 500 000,-

 

 

 

Ing. Jan Beránek (07.09.1970)
Pod Chloumečkem 3539, 276 01 Mělník

CZK

10 000 000,-

 

 

 

Ing. Lubomír Zahrádka (25.09.1978)
Račerovice 45, 674 01 Třebíč

CZK

5 000 000,-

 

 

 

Mgr. Martin Švéda (08.07.1974)
Kuří, V Roklích 69, 251 01 Říčany u Prahy

CZK

3 750 000,-

 

 

 

Roman Valta (12.02.1974)
Čelakovské-Rajské 162, 262 42 Rožmitál pod Třemšínem

CZK

3 750 000,-

 

 

 

Management

Bernhard Buhlmann (12.12.1949)
Am Wald 17-19, 40667 Meerbusch, Germany
Executive Manager

 

 

Ing. Jan Beránek (07.09.1970)
Pod Chloumečkem 3539, 276 01 Mělník 
Executive Manager
Tel:00420/ 724 974 270
E-mail:beranek@mutt.cz

 

 

Karl Buhlmann (22.05.1951)
Am Querkamp 29, 28355 Bremen, Germany
Executive Manager

 

 

Roman Valta (12.02.1974)
Čelakovské-Rajské 162, 262 42 Rožmitál pod Třemšínem 
confidential clerk
Tel:00420/ 724 974 260

 

 

General Data

Wholesale of steel tubes, hole profiles as well as of all range of tube accessories. 

 

 

Main activity:
Wholesale of metals and metal ores


(46.72)

 

 

Trade name(s)
MUT Tubes, s.r.o.
Beginning of validity: 06.01.2006

 

 

 

 

 

 

Export:
Slovakia

30%

 

 

Import:
Germany

 

 

 

General contacts:
telephone:
00420/ 246 008 611
telefax:
00420/ 246 008 640
e-mail:
info@mutt.cz
Web:
www.mutt.cz

 

 

Address:
Hybernská 1271/32, 110 00 Praha 1 
Beginning of validity: 06.01.2006

 

 

business locations:
Servisní a administrativní centrum
U Špejcharu 464, 252 67 Tuchoměřice

 

 

Branches of the business:
Masarykovo nám. 31/5, 702 00 Ostrava 
telephone:
00420/ 597 602 004
telefax:
00420/ 595 782 836
e-mail:
ostrava@mutt.cz

 

 

Staff

2007

15 employees

 

 

2008

20 employees

 

 

2011

20 employees

 

 

2012

25 employees

 

 

2013

22 employees

 

 

Annual Sales

2006

actual sales

CZK

169 145 000,-

 

 

 

2007

actual sales

CZK

268 388 000,-

 

 

 

2008

actual sales

CZK

355 252 000,-

 

 

 

2009

actual sales

CZK

356 987 000,-

 

 

 

2010

actual sales

CZK

537 061 000,-

 

 

 

2011

actual sales

CZK

451 352 000,-

 

 

 

2012

actual sales

CZK

492 710 000,-

 

 

 

Sales by 30.9.2013: CZK 306 924 454,-

 

 

Property

Property of the company: Business premises 
(verified in the real estate registry)
CZ-252 67 Tuchoměřice, U Špejcharu 464

 

 

Balance sheets

The enclosed balance of 2013 company's own data, -. (30.09.2013 - 1 CZK)

 

 

The enclosed profit/loss account of 2013 company's own data, -. (30.09.2013 - 1 CZK)

 

 

The enclosed balance of 2012 company's own data, it is authenticated by the auditor. (31.12.2012 - 1 CZK)
The enclosed balance of 2011 company's own data, it is authenticated by the auditor. (31.12.2011 - 1 CZK)
The enclosed balance of 2010 from business register, -. (31.12.2010 - 1 CZK)

 

 

The enclosed profit/loss account of 2012 company's own data, it is authenticated by the auditor. (31.12.2012 - 1 CZK)
The enclosed profit/loss account of 2011 company's own data, it is authenticated by the auditor. (31.12.2011 - 1 CZK)
The enclosed profit/loss account of 2010 from business register, -. (31.12.2010 - 1 CZK)

 

 

Remarks

The company is a holder of ISO 9001 certificate.

All the sources of negative data accessible to public are currently monitored.

 

 

Subsidiary company: 
- MUT Automotive, s.r.o., IČ 27 88 77 07
Hybernská 1271/32, 110 00 Praha 1, Nové Město, share 100 % 

The mother company Buhlmann International GmbH has the share
capital EUR 2 500 000,- and 3 employees.

Contact:
Ing. Jan Beránek - executive head, phone: 00420/ 246 008 612, 
mobile phone: 00420/ 724 974 270, e-mail: beranek@mutt.cz
Mrs. Hánělová - accountant, phone: 00420/ 246 008 619, 
e-mail: hanelova@mutt.cz

 

 

Bankers

Česká spořitelna, a. s. 
Account number: 2032882/0800
Account number: 000000-0002069132/0800

HSBC Bank plc - pobočka Praha
Account number: 1694803100/8150
Account number: 000000-1694800508/8150

(0800)

(8150)

 

 

Financial

 

 


Balance

31.12.2010 (CZK)

31.12.2011 (CZK)

31.12.2012 (CZK)

30.09.2013 (CZK)

r1

TOTAL ASSETS

335 420 000

329 386 000

322 894 000

336 458 046

r2

Receivables for subscriptions

0

0

0

5 000 000

r3

Fixed assets

151 495 000

151 424 000

186 168 000

184 934 959

r4

Intangible fixed assets

99 000

201 000

450 000

352 196

r5

Incorporation expenses

0

 

 

 

r6

Research and development

0

 

 

 

r7

Software

99 000

201 000

450 000

171 596

r8

Valuable rights

0

 

 

 

r9

Goodwill

0

 

 

 

r10

Other intangible fixed assets

0

 

 

 

r11

Intangible fixed assets under construction

0

 

 

180 600

r12

Advance payments for intangible fixed assets

0

 

 

 

r13

Tangible fixed assets

148 396 000

148 223 000

182 718 000

181 582 763

r14

Lands

45 101 000

45 101 000

45 101 000

45 101 050

r15

Constructions

78 063 000

84 749 000

81 432 000

78 944 023

r16

Equipment

16 829 000

18 148 000

14 051 000

12 104 584

r17

Perennial corps

0

 

 

 

r18

Breeding and draught animals

0

 

 

 

r19

Other tangible fixed assets

0

 

 

 

r20

Tangible fixed assets under construction

8 403 000

225 000

42 134 000

45 433 106

r21

Advance payments for tangible fixed assets

0

 

 

 

r22

Adjustment to acquired assets

0

 

 

 

r23

Long-term financial assets

3 000 000

3 000 000

3 000 000

3 000 000

r24

Shares in controlled and managed organizations

3 000 000

3 000 000

3 000 000

3 000 000

r25

Shares in accounting units with substantial influence

0

 

 

 

r26

Other securities and shares

0

 

 

 

r27

Loans to controlled and managed organizations and to accounting unit with substantial influence

0

 

 

 

r28

Other financial investments

0

 

 

 

r29

Financial investments acquired

0

 

 

 

r30

Advance payments for long-term financial assets

0

 

 

 

r31

Current assets

180 800 000

176 579 000

135 699 000

144 817 320

r32

Inventory

14 025 000

27 319 000

26 084 000

30 980 645

r33

Materials

30 000

30 000

30 000

30 293

r34

Work in progress and semi-products

0

 

 

 

r35

Finished products

0

 

 

 

r36

Animals

0

 

 

 

r37

Merchandise

13 995 000

27 289 000

25 261 000

30 950 352

r38

Advance payments for inventory

0

 

793 000

 

r39

Long-term receivables

2 245 000

1 840 000

1 673 000

1 785 924

r40

Trade receivables

0

 

 

63 702

r41

Receivables from controlled and managed organizations

0

 

 

 

r42

Receivables from accounting units with substantial influence

0

 

 

 

r43

Receivables from partners, cooperative members and association members

2 181 000

1 776 000

1 609 000

1 722 222

r44

Long-term deposits given

64 000

64 000

64 000

 

r45

Estimated receivable

0

 

 

 

r46

Other receivables

0

 

 

 

r47

Deferred tax receivable

0

 

 

 

r48

Short-term receivables

156 587 000

134 799 000

105 400 000

103 900 625

r49

Trade receivables

153 686 000

127 969 000

95 452 000

92 736 683

r50

Receivables from controlled and managed organizations

0

 

3 700 000

 

r51

Receivables from accounting units with substantial influence

0

 

 

 

r52

Receivables from partners, cooperative members and association members

0

238 000

238 000

 

r53

Receivables from social security and health insurance

0

 

 

 

r54

Due from state - tax receivable

0

711 000

754 000

1 236 315

r55

Short-term deposits given

1 995 000

1 266 000

299 000

570 800

r56

Estimated receivable

887 000

 

4 158 000

4 884 027

r57

Other receivables

19 000

4 615 000

799 000

4 472 800

r58

Short-term financial assets

7 943 000

12 621 000

2 542 000

8 150 125

r59

Cash

74 000

83 000

77 000

144 397

r60

Bank accounts

7 869 000

12 538 000

2 465 000

8 005 728

r61

Short-term securities and ownership interests

0

 

 

 

r62

Short-term financial assets acquired

0

 

 

 

r63

Accruals

3 125 000

1 383 000

1 027 000

1 705 768

r64

Deferred expenses

3 119 000

1 277 000

964 000

1 705 768

r65

Complex deferred costs

0

 

 

 

r66

Deferred income

6 000

106 000

63 000

 

r67

TOTAL LIABILITIES

335 420 000

329 386 000

322 894 000

336 458 046

r68

Equity

60 162 000

60 796 000

56 047 000

68 871 751

r69

Registered capital

25 000 000

50 000 000

50 000 000

55 000 000

r70

Registered capital

25 000 000

50 000 000

50 000 000

50 000 000

r71

Company’s own shares and ownership interests (-)

0

 

 

 

r72

Changes of registered capital ( +/- )

0

 

 

5 000 000

r73

Capital funds

0

0

0

0

r74

Share premium

0

 

 

 

r75

Other capital funds

0

 

 

 

r76

Differences from revaluation of assets and liabilities ( +/- )

0

 

 

 

r77

Differences from revaluation in transformation ( +/- )

0

 

 

 

r78

Reserve funds, statutory reserve account for cooperatives, and other retained earnings

2 445 000

2 500 000

2 535 000

2 535 000

r79

Legal reserve fund / indivisible fund

2 445 000

2 500 000

2 535 000

2 535 000

r80

Statutory and other funds

0

 

 

 

r81

Profit / loss - previous years

28 245 000

7 661 000

8 261 000

3 513 177

r82

Retained earnings from previous years

28 245 000

7 661 000

8 261 000

 

r83

Accumulated losses from previous years

0

 

 

 

r84

Profit / loss - current year (+/-)

4 472 000

635 000

-4 749 000

7 823 574

r85

Liabilities

274 906 000

267 922 000

266 489 000

267 464 105

r86

Reserves

5 460 000

2 720 000

728 000

3 247 023

r87

Reserves under special statutory regulations

0

 

 

 

r88

Reserves for pension and similar payables

0

 

 

 

r89

Income tax reserves

2 793 000

 

 

 

r90

Other reserves

2 667 000

2 720 000

728 000

3 247 023

r91

Long-term payables

448 000

559 000

545 000

545 018

r92

Trade payables

0

 

 

 

r93

Payables to controlled and managed organizations

0

 

 

 

r94

Payables to accounting units with substantial influence

0

 

 

 

r95

Payables from partners, cooperative members and association members

0

 

 

 

r96

Long-term advances received

0

 

 

 

r97

Issues bonds

0

 

 

 

r98

Long-term notes payables

0

 

 

 

r99

Estimated payables

0

 

 

 

r100

Other payables

0

 

 

 

r101

Deferred tax liability

448 000

559 000

545 000

545 018

r102

Short-term payables

108 574 000

77 297 000

91 298 000

87 038 027

r103

Trade payables

99 057 000

72 325 000

87 108 000

80 773 654

r104

Payables to controlled and managed organizations

0

 

 

 

r105

Payables to accounting units with substantial influence

0

 

 

 

r106

Payables from partners, cooperative members and association members

0

 

 

 

r107

Payroll

671 000

864 000

807 000

828 117

r108

Payables to social securities and health insurance

310 000

416 000

332 000

423 438

r109

Due from state - tax liabilities and subsidies

7 265 000

3 252 000

2 843 000

3 998 344

r110

Short-term deposits received

213 000

 

 

810 215

r111

Issues bonds

0

 

 

 

r112

Estimated payables

1 058 000

440 000

200 000

200 579

r113

Other payables

0

 

8 000

3 679

r114

Bank loans and financial accommodations

160 424 000

187 346 000

173 918 000

176 634 038

r115

Long-term bank loans

95 653 000

114 619 000

93 994 000

101 995 967

r116

Short-term bank loans

64 771 000

72 727 000

79 924 000

74 638 071

r117

Short-term accommodations

0

0

0

0

r118

Accruals

352 000

668 000

358 000

122 191

r119

Accrued expenses

352 000

668 000

358 000

122 191

r120

Deferred revenues

0

 

 

 

 

 

 

Profit/Loss Account

31.12.2010 (CZK)

31.12.2011 (CZK)

31.12.2012 (CZK)

30.09.2013 (CZK)

a1

Turnover

537 061 000

451 352 000

492 710 000

306 924 454

a2

Revenues from sold goods

533 477 000

442 488 000

483 603 000

300 986 586

a3

Expenses on sold goods

470 421 000

376 107 000

419 459 000

256 609 815

a4

Sale margin

63 056 000

66 381 000

64 144 000

44 376 772

a5

Production

3 584 000

8 864 000

9 107 000

5 937 868

a6

Revenues from own products and services

3 584 000

8 864 000

9 107 000

5 937 868

a7

Change in inventory of own products

0

 

 

 

a8

Capitalization

0

 

 

 

a9

Production consumption

31 258 000

30 889 000

29 557 000

19 031 430

a10

Consumption of material and energy

7 518 000

6 654 000

5 003 000

3 958 135

a11

Services

23 740 000

24 235 000

24 554 000

15 073 296

a12

Added value

35 382 000

44 356 000

43 694 000

31 283 209

a13

Personnel expenses

14 394 000

16 934 000

18 715 000

13 559 833

a14

Wages and salaries

10 888 000

12 839 000

14 357 000

10 236 517

a15

Renumeration of board members

0

 

 

 

a16

Social security expenses and health insurance

3 506 000

4 095 000

4 356 000

3 323 316

a17

Other social expenses

0

 

2 000

 

a18

Taxes and fees

266 000

616 000

685 000

609 044

a19

Depreciations of intangible and tangible assets

3 152 000

7 531 000

7 965 000

4 713 409

a20

Revenues from disposals of fixed assets and materials

98 000

28 000

200 000

95 000

a21

Revenues from disposals of fixed assets

98 000

28 000

200 000

 

a22

Revenues from disposals of materials

0

 

 

95 000

a23

Net book value of disposed fixed assets and materials

168 000

14 000

0

0

a24

Net book value of sold fixed assets

168 000

14 000

 

 

a25

Net book value of sold material

0

 

 

 

a26

Change in operating reserves and adjustments and complex deferred costs ( + / - )

7 895 000

10 114 000

17 811 000

-766 547

a27

Other operating revenues

2 339 000

4 060 000

8 396 000

2 078 157

a28

Other operating expenses

2 508 000

5 298 000

5 727 000

3 133 114

a29

Transfer of operating revenues

0

 

 

 

a30

Transfer of operating expenses

0

 

 

 

a31

Operating profit / loss

9 437 000

7 937 000

1 387 000

12 207 514

a32

Revenues from sales of securities and ownership interests

0

 

 

 

a33

Sold securities and ownership interests

0

 

 

 

a34

Revenues from long-term financial assets

0

3 700 000

 

 

a35

Revenues from shares in controlled and managed organizations and in accounting units with substantial influence

0

3 700 000

 

 

a36

Revenues from others securities and ownership interests

0

 

 

 

a37

Revenues from other long-term financial assets

0

 

 

 

a38

Revenues from short-term financial assets

0

 

 

 

a39

Expenses associated with financial assets

0

 

 

 

a40

Revenues from revaluation of securities and derivatives

0

 

 

 

a41

Cost of revaluation of securities and derivatives

0

 

 

 

a42

Change in financial reserves and adjustments ( + / - )

0

 

 

 

a43

Interest revenues

108 000

73 000

74 000

47 996

a44

Interest expenses

5 374 000

6 747 000

7 099 000

3 902 176

a45

Other financial revenues

12 630 000

6 896 000

11 450 000

1 998 322

a46

Other financial expenses

8 973 000

10 982 000

9 379 000

2 545 262

a47

Transfer of financial revenues

0

 

 

 

a48

Transfer of financial expenses

0

 

 

 

a49

Profit / loss from financial operations ( transactions )

-1 609 000

-7 060 000

-4 954 000

-4 401 120

a50

Income tax on ordinary income

3 356 000

121 000

1 182 000

-17 180

a51

Due tax

3 205 000

10 000

1 196 000

-17 180

a52

Tax deferred

151 000

111 000

-14 000

 

a53

Operating profit / loss ordinary activity

4 472 000

756 000

-4 749 000

7 823 574

a54

Extraordinary revenues

0

 

 

 

a55

Extraordinary expenses

0

121 000

 

 

a56

Income tax on extraordinary income

0

 

 

 

a57

Due tax

0

 

 

 

a58

Tax deferred

0

 

 

 

a59

Operating profit / loss extraordinary activity

0

-121 000

0

0

a60

Transfer profit ( loss ) to partners (+/-)

0

 

 

 

a61

Profit / loss of current accounting period (+/-)

4 472 000

635 000

-4 749 000

7 823 574

a62

Profit / loss before tax (+/-)

 

 

 

 

 

 

Balance indices

 

31.12.2010

31.12.2011

31.12.2012

30.09.2013

Return on total assets ROA (in %)

a62/r1 * 100

2,33

0,23

-1,10

n/a

Return on equity ROE (in %)

a62/r68 * 100

13,01

1,24

-6,36

n/a

Return on sales ROS (in %)

a62/a1 * 100

1,46

0,17

-0,72

n/a

Turnover of receivables (in days)

r49/a1 * 365

104,45

103,49

70,71

110,28

Turnover of liabilities (in days)

r103/a1 * 365

67,32

58,49

64,53

96,06

Turnover of inventories (days)

r32/a1 * 365

9,53

22,09

19,32

36,84

Net working capital (in ths. CZK)

r31 - r102 - r116 - r117

7 455,00

26 555,00

-35 523,00

-16 858 778,00

Ratio of accounts payable to accounts receivable (in %)

(r39+r48) / (r91+r102) * 100

145,69

175,50

116,58

120,67

Ratio of profit/loss to tangible assets (in%)

r3 / a1 * 100

28,21

33,55

37,78

60,25

Current ratio

r31 / (r102+r116+r117)

1,04

1,18

0,79

0,90

Quick ratio

(r58+r48) / (r102+r116+r117)

0,95

0,98

0,63

0,69

Cash ratio

r58 / (r102+r116+r117)

0,05

0,08

0,01

0,05

Debt ratio I (in %)

(1-r68/r67) * 100

82,06

81,54

82,64

79,53

Debt ratio II (in %)

r85/r67 * 100

81,96

81,34

82,53

79,49

 

 

 

 

 

 

 

 

 

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.57

UK Pound

1

Rs.100.63

Euro

1

Rs.84.62

 

 

INFORMATION DETAILS

 

Report Prepared by :

NIT

 

 

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.