MIRA INFORM REPORT

 

 

Report Date :

09.10.2013

 

IDENTIFICATION DETAILS

 

Name :

CONSTANTIA PATZ GES.M.B.H.

 

 

Formerly Known As :

K. HEYER GESELLSCHAFT M.B.H. 

 

 

Registered Office :

Guntramserstraße  7, A-2620 Loipersbach

 

 

Country :

Austria

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

10.12.1979

 

 

Com. Reg. No.:

182307

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

  • Aluminium production
  • Wholesale of other household goods n.e.c.

 

 

No. of Employees :

330

 

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)

Austria

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

AUSTRIA - ECONOMIC OVERVIEW

 

Austria, with its well-developed market economy, skilled labor force, and high standard of living, is closely tied to other EU economies, especially Germany's. Its economy features a large service sector, a sound industrial sector, and a small, but highly developed agricultural sector. Following several years of solid foreign demand for Austrian exports and record employment growth, the international financial crisis of 2008 and subsequent global economic downturn led to a sharp but brief recession. Austrian GDP contracted 3.8% in 2009 but saw positive growth of about 2% in 2010 and 2.7% in 2011. Growth fell to 0.6% in 2012. Unemployment did not rise as steeply in Austria as elsewhere in Europe, partly because the government subsidized reduced working hour schemes to allow companies to retain employees. The 2012 unemployment rate of 4.3% was the lowest within the EU. Stabilization measures, stimulus spending, and an income tax reform pushed the budget deficit to 4.5% in 2010 and 2.6% in 2011, from only about 0.9% in 2008. The international financial crisis of 2008 caused difficulties for Austria's largest banks whose extensive operations in central, eastern, and southeastern Europe faced large losses. The government provided bank support - including in some instances, nationalization - to support aggregate demand and stabilize the banking system. Austria's fiscal position compares favorably with other euro-zone countries, but it faces external risks, such as Austrian banks' continued exposure to Central and Eastern Europe as well as political and economic uncertainties caused by the European sovereign debt crisis. In 2011 the government attempted to pass a constitutional amendment limiting public debt to 60% of GDP by 2020, but it was unable to obtain sufficient support in parliament and instead passed the measure as a simple law. In March 2012, the Austrian parliament approved an austerity package consisting of a mix of expenditure cuts and new revenues that will bring public finances into balance by 2016. In 2012, the budget deficit rose to 3.1% of GDP.

 

Source : CIA

 

 


Basic company information

 

Company name:

CONSTANTIA PATZ GES.M.B.H.

Status:

active company

Locations:

Guntramserstraße  7, A-2620 Loipersbach

Phone:

0043 (2635) 600

Fax:

0043 (2635) 600 - 83

E-mail:

office@constantia-patz.com

Internet:

http://www.constantia-patz.com

Activities:

Önace 24420 70% Aluminium production

 

Önace 46499 30% Wholesale of other household goods n.e.c.

 

General Assessment:

Model: CompanyScore

comparison:

The Rating of this company is better than industry average.

Recommendation:

In respect to solvency reasons, there is nothing to say against an establishment of a business relationship.

 

Detail Assessment:

Payments are made within net agreements.

 

Company is part of a group and therefore cannot be evaluated separately. Financial situation in the group is in order.

 

 

Additional company information

 

Year of incorporation:

1979

 

Activities:

 

 

Type of company:

Manufacturing

 

Legal form:

Limited Liability Company since 1979-12-10

 

companies' house number:

FN 113826 t Wiener Neustadt 1979-12-17

 

VAT number:

ATU 19568509

 

ARA-number:

1612

 

number - Austrian National Bank:

17140

 

 

Import 

Country 

 

 

 

Import

Germany

 

2013

 

Import

Italy

 

2013

 

Import

Switzerland

 

2013

 

 

Export 

Country 

 

 

 

Export

USA

 

2013

 

Export

Eastern Europe

 

2013

 

Export

European Union

 

2013

 

 

 

Financial data

 

total turnover (total sales)

2012

EUR  121.341.337,99

(exact)

total turnover (total sales)

2011

EUR  117.827.248,56

(exact)

total turnover (total sales)

2010

EUR  103.962.475,63

(exact)

total turnover (total sales)

2009

EUR  99.303.938,00

(exact)

total turnover (total sales)

2008

EUR  100.190.144,76

(exact)

total employees

2013

330

(approx.)

total company vehicles

2013

10

(approx.)

cars

2013

8

(approx.)

lorries up to 3.5t

2013

1

(approx.)

lorries more than 3.5t

2013

1

(approx.)

 

 

Extraxt from the Companies' House

 

firm (style):

   31      Constantia Patz Ges.m.b.H.

legal form:

    1      Gesellschaft mit beschränkter Haftung

registered office:

   36      politischer Gemeinde Natschbach-Loipersbach

business adress:

   25      Guntramserstraße 7
           2620 Loipersbach

capital:

   19      EUR 2.000.000

reference date annual accounts:

   12      31. Dezember

annual accounts:

   46      zum 31.12.2012 eingereicht am 20.08.2013

power of representation:

    2      Die Gesellschaft wird, wenn zwei oder mehrere Geschäfts-
           führer bestellt sind, durch zwei Geschäftsführer gemein-
           sam vertreten.
           Die Generalversammlung kann, auch wenn mehrere Geschäfts-
           führer bestellt sind, einzelnen von ihnen selbständige
           Vertretungsbefugnis erteilen.
    1   Gesellschaftsvertrag  vom 10.12.1979                                001
    1   Generalversammlungsbeschluss  vom 20.05.1980                        002
          Änderung des Gesellschaftsvertrages im § 1.
    5   Einbringungsvertrag  vom 18.12.1997                                 004
          Einbringung des Betriebes der
          Louis Patz & Comp.
          (FN 742 t)
   13   Generalversammlungsbeschluss  vom 16.12.1999                        006
          Änderung des Gesellschaftsvertrages in Punkt Erstens
          Paragraph vier.
   19   Gesellschaftsvertrag mit Generalversammlungsbeschluss               007
          vom 30.11.2001
          gemäß 1. Euro-JuBeG angepasst.
          Änderung des Gesellschaftsvertrages in den Punkten Fünftens
          und Siebentens.
   19   Generalversammlungsbeschluss  vom 30.11.2001                        008
          Kapitalerhöhung um EUR 183.179,15.
          Änderung des Gesellschaftsvertrages in Punkt Zweitens.
   26   Verschmelzungsvertrag  vom 27.08.2004                               009
   26   Generalversammlungsbeschluss  vom 27.08.2004                        010
          Diese Gesellschaft wurde als
          übernehmende Gesellschaft mit der
          Heyer Beteiligungsgesellschaft m.b.H.
          (FN 102392 b)
          als übertragender Gesellschaft verschmolzen.
          Sitz der übertragenden Gesellschaft in Wien.
   31   Generalversammlungsbeschluss  vom 23.11.2006                        011
          Änderung des Gesellschaftsvertrages im Punkt Erstens
          Paragraph eins und drei.

proxy:

         N   Mag. Robert Edelsbacher, geb. 14.05.1973
   38        vertritt seit 29.03.2010 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen

managing director:

         M   Dr. Gerald Hummer, geb. 29.07.1958
   43        vertritt seit 01.08.2011 gemeinsam mit
             einem weiteren Geschäftsführer oder einem Prokuristen
         O   Dipl.Ing. Rainer Huber, geb. 17.06.1971
   43        vertritt seit 01.08.2011 gemeinsam mit
             einem weiteren Geschäftsführer oder einem Prokuristen

shareholder:

         K   Constantia Flexibles Sales GmbH
   24        ......................    EUR 1.000
   24        .................................................    EUR 1.000
         L   Constantia Teich GmbH
   26        ..................    EUR 1.999.000
   26        .............................................    EUR 1.999.000
                          ------------------------------------------------------
                   Summen:         EUR 2.000.000              EUR 2.000.000

general table:

 Landesgericht Wiener Neustadt
   1 Ersterfassung abgeschlossen am 23.08.1994  Geschäftsfall 910 Fr   276/94 f
       Ersterfassung gem. Art. XXIII Abs. 4 FBG
   2 eingetragen am 21.04.1995                  Geschäftsfall   1 Fr   983/95 w
       amtswegige Berichtigung
   5 eingetragen am 29.01.1998                  Geschäftsfall   1 Fr   323/98 a
       Antrag auf Änderung  eingelangt am 23.12.1997
  12 eingetragen am 24.12.1999                  Geschäftsfall   1 Fr 10130/99 g
       Antrag auf Änderung  eingelangt am 22.12.1999
  13 eingetragen am 28.03.2000                  Geschäftsfall   1 Fr  2092/00 m
       amtswegige Berichtigung
  19 eingetragen am 30.01.2002                  Geschäftsfall   1 Fr    53/02 g
       Antrag auf Änderung  eingelangt am 31.12.2001
  24 eingetragen am 01.09.2004                  Geschäftsfall   8 Fr  3046/04 b
       Antrag auf Änderung  eingelangt am 30.08.2004
  25 eingetragen am 09.09.2004                  Geschäftsfall   8 Fr  3152/04 h
       Antrag auf Änderung  eingelangt am 07.09.2004
  26 eingetragen am 24.09.2004                  Geschäftsfall   8 Fr  3158/04 t
       Antrag auf Änderung  eingelangt am 07.09.2004
  29 eingetragen am 03.01.2006                  Geschäftsfall   8 Fr  4378/05 w
       Antrag auf Änderung  eingelangt am 28.12.2005
  31 eingetragen am 30.11.2006                  Geschäftsfall   8 Fr  4553/06 k
       Antrag auf Änderung  eingelangt am 28.11.2006
  36 eingetragen am 12.05.2009                  Geschäftsfall   8 Fr  2157/09 p
       Antrag auf Änderung  eingelangt am 08.05.2009
  38 eingetragen am 03.04.2010                  Geschäftsfall   8 Fr  1693/10 s
       Antrag auf Änderung  eingelangt am 29.03.2010
  40 eingetragen am 03.12.2010                  Geschäftsfall   8 Fr  5293/10 i
       Antrag auf Änderung  eingelangt am 10.11.2010
  43 eingetragen am 05.08.2011                  Geschäftsfall   8 Fr  2060/11 p
       Antrag auf Änderung  eingelangt am 01.08.2011
  45 eingetragen am 23.07.2013                  Geschäftsfall   8 Fr  1474/13 w
       Antrag auf Änderung  eingelangt am 18.07.2013
  46 eingetragen am 30.08.2013                  Geschäftsfall   1 Fr  5233/13 x
       Elektronische Einreichung Jahresabschluss  eingelangt am 20.08.2013

 

 

Real estate

 

Registration number of real estate  493  Cadastral register  23317  Loipersbach N  Number and date of entry  1845/2009  Status of  2013-02-12 

Part A - type of real estate  :

    GST-NR  G BA (NUTZUNG)          FLäCHE  GST-ADRESSE
    689/123   GST-Fläche            112632
              Baufl.(Gebäude)        19046
              Wald                   27547
              Sonstige               66039
              (Werksgelände)                Guntramserstraße 7
 

Part B - ownership details  :

    4 ANTEIL: 1/1
      Constantia Patz Ges.m.b.H.
      ADR: Guntramserstraße 7, Loipersbach   2620
       a 2324/1998 Sacheinlagevertrag 1997-12-18 Eigentumsrecht
       b 262/2007 Namensänderung
       c 1845/2009 Adresse
 

Part C - registered charges  :

    1  a 2262/1975
           DIENSTBARKEIT der Gasleitung auf Gst 689/123
           gem Pkt V Kauf- und Dienstbarkeitsvertrag 1975-05-05 für
           NEWAG NIOGAS Aktiengesellschaft
    2  a 3318/2008
           DIENSTBARKEIT der Gasleitung und Lichtwellenleiterkabel auf
           Gst 689/123 gem Pkt 1 2 Dienstbarkeitsvertrag 2008-07-21
           für
           EVN Netz GmbH
            Eintragungen ohne Währungsbezeichnung sind Beträge in ATS
 

 

 

Private data

 

 

Surname

 

 

Date of birth

 

 

Address

 

 

Executive positions

 

Further executive positions (as registered in the companies' house)

Dipl-Ing.  Rainer Huber

 

1971-06-17 

 

3100 St. Pölten Defreggerstraße 6b

manager

 

0

 

Dr.  Gerald Hummer

1958-07-29 

2560 Berndorf Bachmannstraße 1

manager,

head of sales,

head of personnel

0

Mag.  Robert Edelsbacher

1973-05-14 

2500 Baden Roseggerstraße 11

joint signing clerk,

head of accounting

0

Margit Leitner

 

  

 

2620 Natschbach Loipersbach Guntramserstraße 7(c/o)

head of purchasing

 

0

 

Manfred Pürzel

 

  

 

2620 Natschbach Loipersbach Guntramserstraße 7(c/o)

head of EDP

 

0

 

Josef Heinfellner

 

  

 

2620 Natschbach Loipersbach Guntramserstraße 7(c/o)

technical director

 

0

 

 

 


Balance Sheet 

 

 (absolute) all amounts in EUR 

 

2012-12-31 

 

 

 

 

Patents and licenses

336.555,82

 

 

 

 

Sum intangible assets

336.555,82

 

 

 

 

 

Land with buildings (basic value)

2.712.565,86

 

 

 

 

Land with buildings (building value)

13.581.928,18

 

 

 

 

Motor vehicles

192.966,77

 

 

 

 

Other operating and business equipment

1.378.584,64

 

 

 

 

Technical plants and machines

7.604.451,45

 

 

 

 

Advanced payments and constructions in progress

3.201.126,86

 

 

 

 

Sum tangible assets

28.671.623,76

 

 

 

 

 

Sum fixed assets

29.008.179,58

 

 

 

 

 

Raw-, auxiliary materials and supplies

1.480.400,00

 

 

 

 

Unfinished products

6.227.900,00

 

 

 

 

Finished products

2.128.900,00

 

 

 

 

Sum stock

9.837.200,00

 

 

 

 

 

Claims from delivered goods and performed services

16.579.018,88

 

 

 

 

Claims against related firmes Claims against companies with shareholding relationship

6.331.529,97

 

 

 

 

Other claims and assets

4.870.407,34

 

 

 

 

Sum claims

27.780.956,19

 

 

 

 

 

Cash on hand, cheques and bank deposits

33.054,48

 

 

 

 

Sum cash and bank

33.054,48

 

 

 

 

 

Sum current assets

37.651.210,67

 

 

 

 

 

Deferred charges

1.042.865,58

 

 

 

 

Sum deferred charges

1.042.865,58

 

 

 

 

Assets

67.702.255,83

 

 

 

 

 

Subscribed/declared capital

2.000.000,00

 

 

 

 

Not committed capital reserves

4.343.765,58

 

 

 

 

Legal reserves

200.000,00

 

 

 

 

Free reserves

3.000.000,00

 

 

 

 

Balance sheet profit/balance sheet loss

10.289.096,33

 

 

 

 

Thereof profit/loss carried forward

460.735,98

 

 

 

 

Sum equity capital

19.832.861,91

 

 

 

 

 

Other reserves before taxes

36.611,72

 

 

 

 

Sum reserves before taxes

36.611,72

 

 

 

 

 

Reservesfor severance pays

6.827.429,60

 

 

 

 

Other reserves

3.402.743,10

 

 

 

 

Sum reserves

10.230.172,70

 

 

 

 

 

Liabilities against credit institutes

937.500,00

 

 

 

 

Liabilities from delivered goods and performed services from the acceptance of drafts and emission of promissory notes

5.091.300,38

 

 

 

 

Liabilities against related firms

30.837.895,68

 

 

 

 

Other liabilities

735.913,44

 

 

 

 

Sum liabilities

37.602.609,50

 

 

 

 

 

Liabilities

67.702.255,83

 

 

 

 

 

Contingent liabilities

1.078.736,00

 

 

 

 

Balance sheet sum

67.702.255,83

 

 

 

 

 

 

P / L Account 

 

(absolute) all amounts in EUR 

 

 

2012-12-31 

 

 

 

 

Gross sales 

121.341.337,99

 

 

 

 

Increase or decrease in finished and unfinished goods and in service claims 

-604.900,00

 

 

 

 

Sum turnover or sum gross profit 

120.736.437,99

 

 

 

 

 

Profits from retirement of fixed assets, except financial assets 

25.500,00

 

 

 

 

Income from dissolution of reserves 

203.000,00

 

 

 

 

Other operating profits 

680.409,67

 

 

 

 

Other operating profits totally 

908.909,67

 

 

 

 

 

Costs for obtained services 

-877.944,54

 

 

 

 

Special account material costs 

-70.921.961,79

 

 

 

 

Costs for obtained services totally 

-71.799.906,33

 

 

 

 

 

Wages 

-8.510.475,63

 

 

 

 

Salaries 

-6.353.759,57

 

 

 

 

Costs for severance pays 

-1.525.520,64

 

 

 

 

Legal fringe benefits and other payments depending on salaries 

-4.128.235,62

 

 

 

 

Other social fringe benefits 

-312.196,41

 

 

 

 

Personnel expenses totally 

-20.830.187,87

 

 

 

 

 

Depreciation of intangible assets, tangible assets,activated expenses for the set up and expansion of business operation 

-4.229.152,99

 

 

 

 

Depreciation tangible assets / intangible assets totally 

-4.229.152,99

 

 

 

 

 

Different operating costs 

-10.979.778,29

 

 

 

 

Other taxes 

-29.206,47

 

 

 

 

Other operating costs totally 

-11.008.984,76

 

 

 

 

 

Operating result totally 

13.777.115,71

 

 

 

 

 

Interest income, securties income and similar income 

36.335,52

 

 

 

 

Interest and similar disbursements 

-775.234,33

 

 

 

 

Financial profits totally 

-738.898,81

 

 

 

 

 

Results from usual business activity totally 

13.038.216,90

 

 

 

 

 

Taxes on income and profits 

-3.221.926,15

 

 

 

 

Taxes on income and profits totally 

-3.221.926,15

 

 

 

 

Annual surplus/annual deficit totally 

9.816.290,75

 

 

 

 

 

Dissolution reserves before taxes 

12.069,60

 

 

 

 

Reserves movements totally 

12.069,60

 

 

 

 

Annual profit/annual loss totally 

9.828.360,35

 

 

 

 

 

Profit and loss carried forward from previous year 

460.735,98

 

 

 

 

Transfer of profits totally 

460.735,98

 

 

 

 

B/S profit/ B/S loss from profit and loss account 

10.289.096,33

 

 

 

 

 

 

Key ratios

 

 

2012  

 

 

 

 

 

Cash flow II

  14.045.443,74

 

 

 

 

 

Debt amortisation period

  3,40

 

 

 

 

 

Bank indebtedness

  1,38

 

 

 

 

 

Equity capital share

  29,34

 

 

 

 

 

Social capital share

  10,08

 

 

 

 

 

Fixed assets coverage

  92,03

 

 

 

 

 

Net profit ratio

  10,79

 

 

 

 

 

Capital turnover

  1,78

 

 

 

 

 

Return on investment

  20,40

 

 

 

 

 

Cash flow in % of operating performance

  11,63

 

 

 

 

 

Cash flow I

  17.267.369,89

 

 

 

 

 

Gross productivity

  5,79

 

 

 

 

 

Net productivity

  2,34

 

 

 

 

 

Operating performance

  120.736.437,99

 

 

 

 

 

Inventories in % of operating performance

  8,14

 

 

 

 

 

Gross profit

  48.936.531,66

 

 

 

 

 

 

 

Locations

 

Type

Locations

Description

 

 

E-mail 

operational 

Guntramserstraße  7, A-2620 Loipersbach

registered office 

 

 

 

operational 

Guntramserstraße  7, A-2620 Loipersbach

registered headquarters, owned premises 

 

 

office@constantia-patz.com

former 

-  , A-2620 Natschbach Loipersbach

registered office 

 

 

 

former 

Matznergasse  10-12, A-1140 Wien

branch office 

 

 

 

 

 

related companies

 

Company name

 

Postal code

 

Stake in %

 

KSV-number

Companies House

 

Shares in this company are held by:

Constantia Teich GmbH

 

Mühlhofen  4, A-3205 Weinburg

99.95 % 2004-09-24

 

73.284

 

FN 92993 f

 

Constantia Flexibles Sales GmbH

Handelskai  92, A-1200 Wien

0.05 % 2004-09-01

 

6.675

 

FN 94329 w

 

 

 

Bankers

 

Banker

Bank sort code

Type of banking connection

UniCredit Bank Austria AG, 1011 Wien

 

12000

 

main bank connection

 

Raiffeisenbank Neunkirchen-Schwarzatal-Mitte, 2620 Neunkirchen

 

32865

 

secondary banking connection

 

 

 

Historical development

 

Year of incorporation:

1979

Date of registration:

1979-12-17

 

Change of company name:

From

To

Company name

   

  2006-11-30

K. Heyer Gesellschaft m.b.H. 

  2006-11-30

   

Constantia Patz Ges.m.b.H. 

 

Change in share capital:

From

To

Capital

   

  2002-01-30

ATS  25.000.000,00

  2002-01-30

   

EUR  2.000.000,00

 

Former executives:

From

To

Function

Name

   

  1998-01-08

manager 

Kurt Heyer 

   

  1999-10-30

manager 

Peter Heyer 

  1999-08-13

  2000-04-12

manager 

Dipl-Ing.Mag.Dr. Wilhelm Hansi 

  2000-04-12

  2006-01-03

manager 

Dr. Heinz Christian Sauer 

  2000-04-12

  2007-05-04

manager 

Kurt Hornik 

  2007-05-04

  2011-08-03

manager 

DDr. Thomas Eck 

   

  1999-06-24

individual signing clerk 

Liselotte Heyer 

   

  2000-04-12

joint signing clerk 

Kurt Hornik 

  1998-03-24

  2004-11-23

joint signing clerk 

Wolfram Jonke 

  2004-05-11

  2007-05-04

joint signing clerk 

DDr. Thomas Eck 

   

  2008-04-02

joint signing clerk 

Herbert Stremitzer 

 

Former shareholders:

From

To

Function

Name

  1994-08-23

  2004-09-01

partner 

Heyer Beteiligungsgesellschaft m.b.H. 

 

Former shareholdings:

From

To

Name

  2000-07-25

  2008-10-04

Aluminium Recycling GmbH 

 

Mergers:

Date

Function

Name

  2004-11-16

merged with 

Heyer Beteiligungsgesellschaft m.b.H. 

  2002-11-29

merged with 

Louis Patz & Comp. 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.69

UK Pound

1

Rs.99.20

Euro

1

Rs.83.69

 

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

 

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

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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.