MIRA INFORM REPORT

 

 

Report Date :

11.10.2013

 

IDENTIFICATION DETAILS

 

Name :

STORK PRINTS AUSTRIA GMBH

 

 

Formerly Known As :

Stork Prints Austria AG 

 

 

Registered Office :

Kufsteinerstraße  4, A-6336 Langkampfen

 

 

Country :

Austria

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

03.05.1971

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Manufacturer of machinery for textile, apparel and leather production

 

 

No. of Employees :

106 (approximately)

 

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:

Stork Prints Austria GmbH

Status:

active company

Locations:

Kufsteinerstraße  4, A-6336 Langkampfen

Phone:

0043 (5372) 6993

Fax:

0043 (5372) 6993 – 54

E-mail:

austria@spgprints.com

Internet:

http://www.spgprints.com

Activities:

Önace 28940 100% Manufacture of machinery for textile, apparel and leather production

 

General Assessment:

 

Probability of Default (Basel II):

0,05%

Very low risk

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 sometimes made using cash discounts or according to conditions.

 

 

Financial situation is average.

 

Additional company information

 

Year of incorporation:

1971

 

Activities:

 

 

Type of company:

Manufacturing

 

Legal form:

limited liability company since 1993-12-10

 

companies' house number:

FN 38678 f Innsbruck 1971-05-03

 

VAT number:

ATU 32274801

 

number - Austrian National Bank:

187933

 

 

 

Export 

Country 

 

 

 

Export

world-wide

 

2013

 

 

Financial data

 

total turnover (total sales)

2012

EUR  18.000.000,00

(approx.)

total turnover (total sales)

2011

EUR  17.779.000,00

(approx.)

total turnover (total sales)

2010

EUR  15.537.000,00

(approx.)

total turnover (total sales)

2009

EUR  15.127.000,00

(approx.)

total turnover (total sales)

2008

EUR  18.000.000,00

(approx.)

total employees

2013

106

(approx.)

white collar workers

2013

93

(approx.)

blue collar workers

2013

13

(approx.)

total investments

2011

EUR  371.349,99

(exact)

total company vehicles

2013

10

(approx.)

 

Extraxt from the Companies' House

 

firm (style):

   27      Stork Prints Austria GmbH

legal form:

   27      Gesellschaft mit beschränkter Haftung

registered office:

    5      politischer Gemeinde Langkampfen

business adress:

   23      Kufsteiner Straße 4
           6336 Langkampfen

capital:

   18      EUR 73.000

reference date annual accounts:

   11      31. Dezember

annual accounts:

   43      zum 31.12.2011 eingereicht am 16.08.2012

power of representation:

   27      Die Gesellschaft wird, wenn mehrere Geschäftsführer
           bestellt sind, durch zwei Geschäftsführer gemeinsam oder
           durch einen von ihnen gemeinsam mit einem Prokuristen
           vertreten.
    2   Generalversammlungsbeschluss sowie Verschmelzungsvertrag je         003
          vom 22.11.1993
          Diese Gesellschaft wurde als
          übernehmende Gesellschaft mit der
          STK-Leasing Gesellschaft m.b.H.
          (FN 54678 i)
          als übertragender Gesellschaft verschmolzen.
          Sitz der übertragenden Gesellschaft in Unterlangkampfen.
    4   Generalversammlungsbeschluss mit Neufassung der Satzung             005
          vom 23.11.1993
          Umwandlung der
          Schablonentechnik Kufstein
          Gesellschaft m.b.H.
          (FN 38678 f)
          in eine Aktiengesellschaft gemäß §§ 245 ff AktG.
    7   Generalversammlungsbeschluss samt Verschmelzungsvertrag je          006
          vom 17.11.1994
          Diese Gesellschaft wurde als
          übernehmende Gesellschaft mit der
          Screens Lasertechnologie GmbH
          (FN 69886 z)
          als übertragender Gesellschaft verschmolzen.
          Sitz der übertragenden Gesellschaft in Langkampfen.
   11   Hauptversammlungsbeschluss  vom 12.06.1996                          007
          Änderung der Satzung in den §§ 11, 14 und 15.
   18   Satzung mit Hauptversammlungsbeschluss  vom 08.06.2000              008
          gemäß 1. Euro-JuBeG angepasst.
          Kapitalerhöhung aus Gesellschaftsmitteln um EUR 300,-- auf
          EUR 73.000,--. Änderung der Satzung in den §§ 2 und 4.
   24   Hauptversammlungsbeschluss  vom 02.07.2003                          009
          Änderung der Satzung im § 1.
   27   Hauptversammlungsbeschluss  vom 02.04.2004                          010
          Umwandlung der
          Stork Prints Austria AG
          (FN 38678 f)
          in eine GmbH gemäß §§ 239 ff AktG.
          Neufassung des Gesellschaftsvertrages.
   33   Generalversammlungsbeschluss  vom 15.11.2007                        011
          Änderung des Gesellschaftsvertrages in § 8.

proxy:

         W   Ing. Dr. Richard Schuster, geb. 25.10.1970
   37        vertritt seit 12.03.2009 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         X   Ing. Klaus Kruckenhauser, geb. 27.12.1964
   39        vertritt seit 25.08.2010 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen

managing director:

         Y   Arnoldus Bouwmeester, geb. 10.02.1976
   42        vertritt seit 16.09.2011 selbständig

shareholder:

         S   STK Nederland B.V.
   27        .........................    EUR 73
   27        ....................................................    EUR 73
         U   Stork Prints B.V.
   32        .....................    EUR 72.927
   32        ................................................    EUR 72.927
                          ------------------------------------------------------
                   Summen:            EUR 73.000                 EUR 73.000

general table:

 Landesgericht Innsbruck
   1 Ersterfassung abgeschlossen am 20.07.1993  Geschäftsfall 917 Fr   258/93 z
       Ersterfassung gem. Art. XXIII Abs. 4 FBG
   2 eingetragen am 01.12.1993                  Geschäftsfall  19 Fr  4362/93 g
       Antrag auf Änderung  eingelangt am 25.11.1993
   4 eingetragen am 10.12.1993                  Geschäftsfall  19 Fr  4448/93 h
       Antrag auf Änderung  eingelangt am 26.11.1993
   5 eingetragen am 22.12.1993                  Geschäftsfall  19 Fr  4878/93 s
       Berichtigung - Antrag  eingelangt am 17.12.1993
   7 eingetragen am 07.12.1994                  Geschäftsfall  19 Fr  5248/94 v
       Antrag auf Änderung  eingelangt am 25.11.1994
  11 eingetragen am 26.09.1996                  Geschäftsfall  50 Fr  4695/96 a
       Antrag auf Änderung  eingelangt am 10.09.1996
  18 eingetragen am 16.09.2000                  Geschäftsfall  61 Fr  2765/00 x
       Antrag auf Änderung  eingelangt am 30.08.2000
  23 eingetragen am 11.03.2003                  Geschäftsfall  62 Fr   553/03 b
       Antrag auf Änderung  eingelangt am 04.03.2003
  24 eingetragen am 10.07.2003                  Geschäftsfall  62 Fr  1281/03 y
       Antrag auf Änderung  eingelangt am 07.07.2003
  27 eingetragen am 01.05.2004                  Geschäftsfall  62 Fr   788/04 g
       Antrag auf Änderung  eingelangt am 16.04.2004
  32 eingetragen am 16.05.2007                  Geschäftsfall  62 Fr   676/07 v
       Antrag auf Änderung  eingelangt am 30.04.2007
  33 eingetragen am 23.11.2007                  Geschäftsfall  62 Fr  2196/07 d
       Antrag auf Änderung  eingelangt am 21.11.2007
  37 eingetragen am 25.03.2009                  Geschäftsfall  62 Fr   622/09 g
       Antrag auf Änderung  eingelangt am 16.03.2009
  39 eingetragen am 04.09.2010                  Geschäftsfall  62 Fr  1895/10 m
       Antrag auf Änderung  eingelangt am 27.08.2010
  42 eingetragen am 10.12.2011                  Geschäftsfall  62 Fr  4536/11 f
       Antrag auf Änderung  eingelangt am 08.11.2011
  43 eingetragen am 01.09.2012                  Geschäftsfall  62 Fr  2465/12 v
       Elektronische Einreichung Jahresabschluss  eingelangt am 16.08.2012

 

Real estate

 

Registration number of real estate  1163  Cadastral register  83009  Langkampfen T  Number and date of entry  23456/2012  Status of  2013-10-07 

Part A - type of real estate  :

    GST-NR  G BA (NUTZUNG)          FLÄCHE  GST-ADRESSE
    759/4   G GST-Fläche        *    12284
              Bauf.(Gebäude)          7174
              Sonst(Betriebsf.)       5110  Kufsteiner Straße 4
                                            Kufsteiner Straße 8
                                            Kufsteiner Straße 6
    1  a 2555/1990 Eröffnung der Einlage für Gst 759/4 aus EZ 137
    2  a 528/2006 Kaufvertrag 2005-09-08 Zuschreibung Teilfläche(n) Gst 759/7
           hins 295 m2 aus EZ 137
 

Part B - ownership details  :

    1 ANTEIL: 1/1
      Stork Prints Austria GmbH
      ADR: Kufsteiner Str. 4, Langkampfen   6336
       c 2281/1994 Verschmelzungsvertrag 1993-11-23 und Urkunde 1994-05-16
           Eigentumsrecht
       d 2169/2004 Namensänderung
 

Part C - registered charges  :

    2  a 1901/1985
           DIENSTBARKEIT der Führung, Benützung und Erhaltung eines
           unterirdisch verlegten Hochspannungskabels auf Gst 759/4
           gem Pkt 1 2 Dienstbarkeitsvertrag 1985-01-31 für Tiroler
           Wasserkraftwerke AG
       b 2555/1990 Übertragung der vorangehenden Eintragung(en) aus
           EZ 137
    3  a 1642/1987
           DIENSTBARKEIT der Führung, Benützung und Erhaltung eines
           unterirdisch verlegten Hochspannungskabels auf Gst 759/4
           gem Abschnitt 1. und 2. des Dienstbarkeitsvertrages
           1987-02-17 für Tiroler Wasserkraftwerke Aktiengesellschaft
       b 2555/1990 Übertragung der vorangehenden Eintragung(en) aus
           EZ 137
    4  a 2555/1990
           DIENSTBARKEIT der Führung und Erhaltung von Ver- und
           Entsorgungsleitungen auf Gst 759/4 gem Kaufvertrag
           1990-02-28 für EZ 137
    8  a 1771/1995
           DIENSTBARKEIT der Errichtung, Benützung und Erhaltung einer
           Transformatorstation auf Gst 759/4 gemäß Pkt I. a)
           Dienstbarkeitsbestellungsvertrag 1994-12-13 für Tiroler
           Wasserkraftwerke Aktiengesellschaft
    9  a 1771/1995
           DIENSTBARKEIT des Gehens und Fahrens auf Gst 759/4 gemäß
           Pkt I. b) Dienstbarkeitsbestellungsvertrag 1994-12-13 für
           Tiroler Wasserkraftwerke Aktiengesellschaft
   10  a 544/1999
           DIENSTBARKEIT der unterirdischen Verlegung, Benützung und
           Erhaltung eines Kabels zur Übertragung von Nachrichten in
           Gst 759/4 gemäß Pkt I. Dienstbarkeitsbestellungsvertrag
           1999-01-22 für TIWAG-Tiroler Wasserkraftwerke
           Aktiengesellschaft
   12  a 1771/1995 624/1997
           DIENSTBARKEIT des Gehens und Fahrens auf Gst 759/4 (hins
           295 m2 lt. Plan TZ 528/2006) gemäß Pkt I. b)
           Dienstbarkeitsbestellungsvertrag 1994-12-13 für Tiroler
           Wasserkraftwerke Aktiengesellschaft
       b 528/2006 Übertragung der vorangehenden Eintragung(en) aus EZ
           137
   13  a 4710/1998 gleichzeitig mit 4708/1998
           DIENSTBARKEIT der unterirdischen Verlegung, Benützung und
           Erhaltung eines Kabels zur Übertragung von Nachrichten in
           Gst 759/4 (hins 295 m2 lt. Plan TZ 528/2006) gemäß Pkt I.
           Dienstbarkeitsbestellungsvertrag 1998-10-23 für
           TIWAG-Tiroler Wasserkraftwerke Aktiengesellschaft
       b 528/2006 Übertragung der vorangehenden Eintragung(en) aus EZ
           137
   14  a 23456/2012
           DIENSTBARKEIT der unterirdischen Verlegung, Benützung und
           Erhaltung von Starkstromkabeln sowie von Kabeln zur
           Übertragung von Nachrichten gem Pkt I.
           Dienstbarkeitsbestellungsvertrag 2012-12-03 auf Gst 759/4
           für TIWAG-Tiroler Wasserkraft AG (FN 44133b)
            Eintragungen ohne Währungsbezeichnung sind Beträge in ATS
 Grundbuch 07.10.2013 14:30:33
 

 

Private data

 

 

Surname

 

 

Date of birth

 

 

Address

 

 

Executive positions

 

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

Arnoldus Bouwmeester

 

1976-02-10 

 

5463CB Veghel Dr. Schaepmanlaan 2

manager

 

1

 

Ing.  Klaus Kruckenhauser

1964-12-27 

 

6336 Langkampfen Kufsteinerstraße 4(c/o)

joint signing clerk

 

0

 

Ing.Dr.  Richard Schuster

1970-10-25 

 

6600 Reutte Schoberstadl 22

 

joint signing clerk

 

0

 

 

Balance Sheet 

(absolute) all amounts in EUR 

 

 

2011-12-31 

Other intangible assets

230.316,00

Sum intangible assets

230.316,00

Land with buildings (building value)

2.597.345,71

Other operating and business equipment

231.991,28

Technical plants and machines

305.982,00

Sum tangible assets

3.135.318,99

Special account financial assets

78.587,38

Sum financial assets

78.587,38

Sum fixed assets

3.444.222,37

Special account stock

1.838.221,38

Sum stock

1.838.221,38

Claims against related firmes Claims against companies with shareholding relationship

7.481.466,09

Special account claims

2.052.896,10

Sum claims

9.534.362,19

Cash on hand, cheques and bank deposits

558.867,63

Sum cash and bank

558.867,63

Sum current assets

11.931.451,20

Deferred charges

38.988,52

Sum deferred charges

38.988,52

Assets

15.414.662,09

Subscribed/declared capital

73.000,00

Not committed capital reserves

900.000,00

Other reserves

7.300,00

Balance sheet profit/balance sheet loss

5.790.804,01

Thereof profit/loss carried forward

3.729.847,71

Sum equity capital

6.771.104,01

Reservesfor severance pays

1.359.000,00

Other reserves

2.346.200,00

Sum reserves

3.705.200,00

Liabilities against credit institutes

2.300.016,32

Liabilities against related firms

73.726,31

Other liabilities

1.698.696,37

Sum liabilities

4.072.439,00

Deferred income

865.919,08

Sum deferred income

865.919,08

Liabilities

15.414.662,09

Balance sheet sum

15.414.662,09

 

P / L Account 

(absolute) all amounts in EUR

 

 

2011-12-31 

Gross profit 

11.759.685,26

Sum turnover or sum gross profit 

11.759.685,26

Income from dissolution of reserves 

437.702,00

Other operating profits 

381.912,65

Other operating profits totally 

819.614,65

Wages 

-336.575,49

Salaries 

-4.698.219,11

Costs for severance pays 

-332.419,37

Legal fringe benefits and other payments depending on salaries 

-1.327.977,00

Other social fringe benefits 

-61.468,86

Personnel expenses totally 

-6.756.659,83

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

-859.237,01

Depreciation tangible assets / intangible assets totally 

-859.237,01

Different operating costs 

-3.080.922,26

Other taxes 

-19.200,06

Other operating costs totally 

-3.100.122,32

Operating result totally 

1.863.280,75

Profits from the retirement of and investment in financial assets and securities of current assets 

1.593,07

Interest income, securties income and similar income 

302.842,84

Interest and similar disbursements 

-52.845,73

Financial profits totally 

251.590,18

Results from usual business activity totally 

2.114.870,93

Taxes on income and profits 

-53.914,63

Taxes on income and profits totally 

-53.914,63

Annual surplus/annual deficit totally 

2.060.956,30

Annual profit/annual loss totally 

2.060.956,30

Profit and loss carried forward from previous year 

3.729.847,71

Transfer of profits totally 

3.729.847,71

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

5.790.804,01

 


Key ratios

 

 

2011  

Cash flow II

  2.920.193,31

Debt amortisation period

  2,47

Bank indebtedness

  14,92

Equity capital share

  43,92

Social capital share

  8,81

Fixed assets coverage

  236,05

Net profit ratio

  0,00

Capital turnover

  0,00

Return on investment

  14,06

Cash flow in % of operating performance

  0,00

Cash flow I

  2.974.107,94

Gross productivity

  0,00

Net productivity

  0,00

Operating performance

  0,00

Inventories in % of operating performance

  0,00

Gross profit

  11.759.685,26

 

Locations

 

Type

Locations

Description

 

 

E-mail 

operational 

Kufsteiner Straße  4, A-6336 Langkampfen

registered office 

 

 

 

operational 

Kufsteinerstraße  4, A-6336 Langkampfen, (umben.v.Unterlangkampfen 461)

registered headquarters, owned property 

 

 

austria@spgprints.com

former 

Schaftenau, Unterlangkampfen  , A-6336 Langkampfen

registered office 

 

 

 

former 

Unterlangkampfen  461, A-6336 Langkampfen

registered headquarters 

 

 

 

 


related companies

 

Company name

 

Postal code

 

Stake in %

 

 

Companies House

 

Shares in this company are held by:

Stork Prints B.V.

 

Raamstraat  3, NL-5831AT Boxmeer

99.9 % 2007-05-16

 

 

 

STK Nederland B.V.

 

Amersfoortsestraatweg  7, NL-1412 Naarden

0.1 % 2004-05-01

 

 

32053605

 

 

Affiliated companies and further participations:

Stork Gesellschaft m.b.H.

 

Plankengasse  7, A-1010 Wien

 

 

 

FN 78775 x

 

 

Bankers

 

Banker

Bank sort code

Type of banking connection

UniCredit Bank Austria AG, 6330 Kufstein

 

20151

 

main bank connection

 

 

Historical development

 

Year of incorporation:

1971

Date of registration:

1971-05-03

 

Change of company name:

From

To

Company name

   

  2003-07-10

Schablonentechnik Kufstein Aktiengesellschaft 

  2003-07-10

  2004-05-01

Stork Prints Austria AG 

  2004-05-01

   

Stork Prints Austria GmbH 

 

Change of legal form:

From

To

Legal form

   

  2004-05-01

joint stock company 

  2004-05-01

   

limited liability company 

 

Change in share capital:

From

To

Capital

   

  2000-09-18

ATS  1.000.000,00

  2000-09-18

   

EUR  73.000,00

 


 

Former executives:

From

To

Function

Name

   

  1998-10-02

member of the supervisory board 

Alfred van Efferen 

  1998-10-02

  2001-10-02

member of the supervisory board 

Hans Albert Dirk van den Boogaard 

  2002-01-24

  2004-04-15

member of the supervisory board 

Dirk Wim Joustra 

   

  2004-05-01

member of the supervisory board 

Dr. Andreas Foglar Deinhardstein 

  1993-12-10

  2004-05-01

employee's representative on the supervisory board 

Helmut Bodner 

   

  2004-05-01

employee's representative on the supervisory board 

Ernst Kapfinger 

  2004-05-01

  2011-12-10

manager 

Stefan Rückl 

  2003-02-19

  2004-05-01

joint signing clerk 

Stefan Rückl 

   

  2004-06-17

joint signing clerk 

Mag. Thilo Werzinger 

  2007-05-16

  2008-11-25

joint signing clerk 

Rolph Houterman 

   

  2010-09-04

joint signing clerk 

Ewald Pollhammer 

  1998-06-19

  1999-02-23

chairman of the executive board 

Siegfried Rückl 

   

  1998-06-19

member of the executive board 

Siegfried Rückl 

  1998-06-19

  1999-02-23

member of the executive board 

Antonius Martinus Proos 

  1999-02-23

  2004-05-01

member of the executive board 

Siegfried Rückl 

   

  1999-07-30

chairman of the supervisory board 

Gerardus Adrianus Christiaanse 

  1999-07-30

  2004-04-15

chairman of the supervisory board 

Arvid Manneke 

  2004-04-15

  2004-05-01

chairman of the supervisory board 

Dirk Wim Joustra 

  1993-12-10

  1998-10-02

deputy chairman of the supervisory board 

Jhr. Henrick van Lannep 

  1998-10-02

  2004-05-01

deputy chairman of the supervisory board 

Alfred van Efferen 

 

Former shareholders:

From

To

Function

Name

  2004-05-01

  2004-10-05

partner 

Stork Laser Technology B.V. 

  2004-10-05

  2007-05-16

partner 

Stork N.V. 

   

  2004-05-01

shareholder 

Stork Laser Technology B.V. 

 

Former shareholdings:

From

To

Name

   

 

STK-Leasing Gesellschaft m.b.H. 

  1993-09-16

  1999-11-12

STK Industrieanlagenleasing Gesellschaft m.b.H. 

 


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.14

UK Pound

1

Rs.99.02

Euro

1

Rs.83.87

 

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

--

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.