MIRA INFORM REPORT

 

 

Report Date :

20.11.2013

 

IDENTIFICATION DETAILS

 

Name :

INTERNATIONAL FRUITS COMPANY WLL

 

 

Registered Office :

Al Moutahida Building, 4th Floor, Office No. B2, Al Soor Street, Salhiya, PO Box : 992, Fataz 51010, 22094 Safat 13080

 

 

Country :

Kuwait

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

15.03.1999

 

 

Com. Reg. No.:

80802

 

 

Legal Form :

With Limited Liability

 

 

Line of Business :

Subject is engaged in the wholesale and retail of fruit and vegetables as well as general foodstuffs.

 

 

No. of Employees :

45

 

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)

Kuwait

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

KUWAIT - ECONOMIC OVERVIEW

 

Kuwait has a geographically small, but wealthy, relatively open economy with crude oil reserves of about 102 billion barrels - about 7% of world reserves. Petroleum accounts for nearly half of GDP, 95% of export revenues, and 95% of government income. Kuwaiti officials have committed to increasing oil production to 4 million barrels per day by 2020. The rise in global oil prices throughout 2011 and 2012 is reviving government consumption and economic growth. Kuwait has experienced a 20% increase in government budget revenue, which has led to higher budget expenditures, particularly wage hikes for many public sector employees. Kuwait has done little to diversify its economy, in part, because of this positive fiscal situation, and, in part, due to the poor business climate and the historically acrimonious relationship between the National Assembly and the executive branch, which has stymied most movement on economic reforms. In 2010, Kuwait passed an economic development plan that pledges to spend up to $130 billion over five years to diversify the economy away from oil, attract more investment, and boost private sector participation in the economy.

 

Source : CIA

 


SUMMARY

 

Company Name                                     : INTERNATIONAL FRUITS COMPANY WLL

Country of Origin                                    : Kuwait

Legal Form                                            : With Limited Liability - WLL

Registration Date                                   : 15th March 1999

Commercial Registration Number            : 80802

Trade Licence Number                            : 714/2000

Chamber Membership Number                : 58350

Issued Capital                                        : KD 250,000

Paid up Capital                                      : KD 250,000

Total Workforce                                     : 45

Activities                                               : Wholesale and retail of fruit and vegetables as well as general foodstuffs.

Financial Condition                                 : Fair

Payments                                             : Nothing detrimental uncovered

Operating Trend                                     : Steady

Person Interviewed                                 : Walaa Mohamed, Administration Executive

 

 

 


COMPANY NAME

 

INTERNATIONAL FRUITS COMPANY WLL

 

 

ADDRESS

 

Registered & Physical Address

 

Building             : Al Moutahida Building, 4th Floor, Office No. B2

Street               : Al Soor Street

Area                 : Salhiya

PO Box             : 992, Fataz 51010

                          22094 Safat 13080

Town                 : Safat

Country             : Kuwait

 

Telephone         : (965) 22456779 / 22452553 / 22458244

Facsimile          : (965) 22452554 / 22456779

Email                : safwamsco@safwamsco.com / fruitco@hotmail.com

 

Premises

 

Subject operates from a medium sized suite of offices that are rented and located in the Central Business Area of Fataz.

 

 

KEY PRINCIPALS

 

Name                                                               Nationality                   Position

 

Emad Eddine Abdulaziz Al Mohamed                     Syrian                        Managing Director

 

Mariam Abdullah Mohamed Qatan                          Kuwaiti                       Director

 

Yahya Yagoot                                                             -                          Finance Manager

 

Samih Al Shayeb                                                       -                           Commercial Manager

 

Mamoun Ahmed                                                        -                           Sales Manager

 

Walaa Mohamed                                                        -                           Administration Executive

 


LEGAL FORM & OWNERS

 

Date of Establishment  : 15th March 1999

 

Legal Form                  : With Limited Liability - WLL

 

Commercial Reg. No.  : 80802

 

Trade Licence No.       : 714/2000

 

Chamber Member No. : 58350

 

Issued Capital              : KD 250,000

 

Paid up Capital            : KD 250,000

 

Name of Shareholder (s)                                              Percentage

 

Mariam Abdullah Mohamed Qatan                                        51%

 

Emad Eddine Abdulaziz Al Mohamed                                   49%

 

 

AFFILIATED COMPANIES

 

·         Al Safwa Medical Supplies WLL

Safat

 

 

OPERATIONS

 

Activities                      : Engaged in the wholesale and retail of fruit and vegetables as well as general foodstuffs.

 

                                    Subject also operates a poultry farm.

 

Import Countries          : Netherlands, Malaysia, India and Saudi Arabia.

 

International Suppliers:

 

Brovini                                       Netherlands

Mace World                               Malaysia

Omshree Co                              India

Arabian Parent & Stock Co         Saudi Arabia

 

Brand Names               : GOLDEN EGG

 

Operating Trend          : Steady

 

Subject has a workforce of 45 employees.

 

 

FINANCIAL DATA

 

Financial highlights provided by local sources are given below:

 

Currency: Kuwaiti Dinars (KD)

 

                                                Year Ending 31/12/11:              Year Ending 31/12/12:

 

Total Sales                                KD 1,510,0000                           KD 1,700,000

 

Local sources consider subject’s financial condition to be Fair.

 

The above financial figures are based on estimations by our local sources.

 

 

BANKERS

 

The Gulf Bank KSC

Mubarak Al Kabir Street

PO Box: 3200

Safat 13033

Tel: (965) 22449501

Fax: (965) 22445212

 

 

PAYMENT HISTORY

 

No complaints regarding subject’s payments have been reported.

 

Date of transaction                                 October 2007

Credit amount                                        35,000

Amount overdue                         0

Payment terms                                      30 days

Payment Method                                   Letters of Credit

Paying record                                        No Complaints

Currency                                               Pounds Sterling

 

 

GENERAL COMMENTS

 

Established in 1999, subject is involved in the wholesale and retail of fruit and vegetables.

 

During the course of this investigation nothing detrimental was uncovered regarding subject’s operating history or the manner in which payments are fulfilled. As such the company is considered to be a fair trade risk.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.23

UK Pound

1

Rs.100.18

Euro

1

Rs.84.06

 

 

INFORMATION DETAILS

 

Report Prepared by :

NNA

 

 

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.