MIRA INFORM REPORT

 

 

Report Date :

18.10.2013

 

IDENTIFICATION DETAILS

 

Name :

ALBERDINGK BOLEY GMBH

 

 

Registered Office :

Düsseldorfer Str. 53, D 47829 Krefeld

 

 

Country :

Germany 

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

1828

 

 

Com. Reg. No.:

HRB 4051

 

 

Legal Form :

Private limited company

 

 

Line of Business :

Manufacture of oils and fats (except margarine or similar edible fats)

 

 

No. of Employees :

249

 

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)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, contributed to strong growth in 2006 and 2007 and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 6.5% in 2012. GDP contracted 5.1% in 2009 but grew by 4.2% in 2010, and 3.0% in 2011, before dipping to 0.7% in 2012 - a reflection of low investment spending due to crisis-induced uncertainty and the decreased demand for German exports from recession-stricken periphery countries. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011. In 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. By 2014, the federal government wants to balance its budget. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela Merkel announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

Source : CIA

 


Company name and address

 

ALBERDINGK BOLEY GMBH

 

 Company Status:           active

                                    Düsseldorfer Str. 53

                                    D 47829 Krefeld

                                     Telephone:02151/528-0

                                    Telefax:  02151/573643

                                     Homepage: www.alberdingk-boley.de

                                    E-mail:   info@alberdingk-boley.de

 

 VAT no.:                       DE120154705

 

 

CONCLUSION

 

 Business relations are permissible. The company is considered solvent for credits within its scope of business.

 

 LEGAL FORM              Private limited company

 Date of foundation:        1828

 Shareholders'

 agreement:                    02.02.1990

 Registered on:               19.03.1990

 Commercial Register:    Local court 47798 Krefeld

 under:                          HRB 4051

 

 Share capital:                          EUR         15,000,000.00

 Number of

 shareholders:                                                  37

 Shareholder total capital:              EUR         15,000,000.00

 

 Manager:

                      Frank-Werner Dreisörner

                      Grüner Dyk 101

                      D 47803 Krefeld

                      having sole power of representation

                      born: 20.12.1948

                      Marital status: married

 Manager:

                      Timm Wiegmann

                      An Kleinhütten

                      D 47800 Krefeld

                      born: 20.08.1961

                      Profession: graduate engineer

                      Marital status: married

 Manager:

                      Martin Weiland

                      D 53639 Königswinter

                      born: 13.01.1965

                      Nationality: Swiss

 Proxy:

                      Bernd Schwickerath-Koch

                      Maria-Kasper-Str. 45

                      D 41236 Mönchengladbach

                      authorized to jointly represent the company

                      born: 04.03.1955

                      Marital status: married

 Proxy:

                      Dr.rer.nat. Gerhard Leinz

                      Schürmesweg 8

                      D 47802 Krefeld

                      authorized to jointly represent the company

                      born: 23.06.1952

                      Marital status: married

 Proxy:

                      Robert Allmüller

                      Bogenstr. 65

                      D 47799 Krefeld

                      authorized to jointly represent the company

                      born: 03.08.1962

                      Profession: graduate engineer

                      Marital status: married

 

 Further functions/participations of Frank-Werner Dreisörner

 (Manager)

 Manager:

                      Polytan Beteiligungs GmbH

                      Düsseldorfer Str. 53

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR          1,000,000.00

                      Registered

                      on:         14.04.2003

                      Reg. data:  47798 Krefeld, HRB 7988

 Manager:

                      Polyshare GmbH

                      Düsseldorfer Str. 53

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         29.11.2006

                      Reg. data:  47798 Krefeld, HRB 11302

 Vice-president of the Supervisory Board:

                      Uzin Utz Aktiengesellschaft

                      Dieselstr. 3

                      D 89079 Ulm

                      Post Box:

                      40 80, D 89030 Ulm

                      Legal form: Public limited company

                      Share capital:     EUR         15,132,957.00

                      Registered

                      on:         24.07.1997

                      Reg. data:  89073 Ulm, HRB 3499

 

 Further functions/participations of Timm Wiegmann (Manager)

 General partner:

                      Frank Oehmke und Timm Wiegmann

                      Dahlerdyk 31

                      D 47803 Krefeld

                      Legal form: Partnership under the Civil Code

 Proxy:

                      Polytan Beteiligungs GmbH

                      Düsseldorfer Str. 53

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR          1,000,000.00

                      Registered

                      on:         14.04.2003

                      Reg. data:  47798 Krefeld, HRB 7988

 Proxy:

                      Polyshare GmbH

                      Düsseldorfer Str. 53

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         29.11.2006

                      Reg. data:  47798 Krefeld, HRB 11302

 

 Further functions/participations of Martin Weiland (Manager)

 Manager:

                      Polytan Beteiligungs GmbH

                      Düsseldorfer Str. 53

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR          1,000,000.00

                      Registered

                      on:         14.04.2003

                      Reg. data:  47798 Krefeld, HRB 7988

 Manager:

                      Polyshare GmbH

                      Düsseldorfer Str. 53

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         29.11.2006

                      Reg. data:  47798 Krefeld, HRB 11302

 

 

BUSINESS ACTIVITIES

 

 Main industrial sector

 10410   Manufacture of oils and fats (except margarine or similar edible fats)

20590   Manufacture of other chemical products n.e.c.

46750   Wholesale of chemical products

 

 

PARTICIPATIONS

 

 Shareholder:

                      Polytan Beteiligungs GmbH

                      Düsseldorfer Str. 53

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          1,000,000.00

                      Share:             EUR          1,000,000.00

                      Reg. data:  14.04.2003

                                  Local court 47798 Krefeld

                                  HRB 7988

 Shareholder:

                      Polyshare GmbH

                      Düsseldorfer Str. 53

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Reg. data:  29.11.2006

                                  Local court 47798 Krefeld

                                  HRB 11302

 

 

FINANCIAL INFORMATION

 

Payment experience:     in top condition

 

 Negative information:     We have no negative information at hand.

 

 Balance sheet year:      2011

 

 

 

REAL ESTATE

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Düsseldorfer Str. 53

                      D 47829 Krefeld

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Düsseldorfer Str. 101

                      D 47809 Krefeld

 Size:                 14,000.00 sq.m

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Dammstr. 2

                      D 47829 Krefeld

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Düsseldorfer Str. 35

                      D 47829 Krefeld

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Düsseldorfer Str. 39

                      D 47829 Krefeld

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Zeißstr. 21

                        D 50171 Kerpen

 

 Land register documents were not available.

 

 

BANKERS

 

 Principal bank

 DEUTSCHE BANK, KREFELD

 Sort. code: 32070080, BIC: DEUTDEDD320

 

 Further banks

 COMMERZBANK VORMALS DRESDNER BANK, KREFELD

 Sort. code: 32080010, BIC: DRESDEFF320

 SPARKASSE KREFELD, KREFELD

 Sort. code: 32050000, BIC: SPKRDE33XXX

 HSBC TRINKAUS & BURKHARDT, DÜSSELDORF

 Sort. code: 30030880, BIC: TUBDDEDDXXX

 COMMERZBANK, KREFELD

 Sort. code: 32040024, BIC: COBADEFF320

 

 

FINANCIAL FIGURES

 

 Turnover:            2011               EUR        171,670,604.00

 Profit:              2011               EUR          5,901,944.00

 Equipment:                              EUR            605,561.00

 Ac/ts receivable:                       EUR         26,402,381.00

 Liabilities:                            EUR         40,676,232.00

 Employees:                                                    249

 - thereof permanent staff:                                    249

 

 

 BALANCE SHEETS

 

 Balance sheet ratios                 01.01.2011 - 31.12.2011

 Equity ratio [%]:                         60.38

 Liquidity ratio:                           0.86

 Return on total capital [%]:       5.70

 

 Balance sheet ratios                 01.01.2010 - 31.12.2010

 Equity ratio [%]:                        61.78

 Liquidity ratio:                            0.94

 Return on total capital [%]:       4.00

 

 Balance sheet ratios                 01.01.2009 - 31.12.2009

 Equity ratio [%]:                        72.49

 Liquidity ratio:                           1.51

 Return on total capital [%]:       5.38

 

 Balance sheet ratios                 01.01.2008 - 31.12.2008

 Equity ratio [%]:                         67.63

 Liquidity ratio:                           0.91

 Return on total capital [%]:       4.31

 

 Equity ratio

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 Liquidity ratio

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 Return on total capital

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR        106,095,098.83

  Fixed assets                           EUR         52,889,920.59

   Intangible assets                     EUR            374,952.52

    Concessions, licences, rights        EUR            374,952.52

   Tangible assets                       EUR         14,597,057.11

    Land / similar rights                EUR          7,480,492.05

    Plant / machinery                    EUR          6,355,228.75

    Other tangible assets / fixtures and

    fittings                             EUR            605,561.44

    Advance payments made / construction

    in progress                          EUR            155,774.87

   Financial assets                      EUR         37,917,910.96

    Shares in participations /

    subsidiaries and the like            EUR         12,242,803.13

     Shares in related companies         EUR         11,865,054.61

     Shares in investee companies        EUR            377,748.52

    Loans to participations /

    subsidiaries and the like            EUR         25,649,607.83

     Loans to related companies          EUR         25,649,607.83

    Other loans                          EUR             25,500.00

  Current assets                         EUR         53,165,336.56

   Stocks                                EUR         26,186,057.75

    Raw materials, consumables and

    supplies                             EUR          7,005,856.75

    Finished goods / work in progress    EUR         19,180,201.00

   Accounts receivable                   EUR         26,402,380.95

    thereof total due from shareholders  EUR                  0.00

    Trade debtors                        EUR         17,350,259.66

    Amounts due from related companies   EUR          6,525,190.47

    Other debtors and assets             EUR          2,526,930.82

   Liquid means                          EUR            576,897.86

  Remaining other assets                 EUR             39,841.68

   Active difference from asset

   offsetting                            EUR             39,841.68

 

 LIABILITIES                             EUR        106,095,098.83

  Shareholders' equity                   EUR         54,502,660.02

   Capital                               EUR         14,418,600.00

    Subscribed capital (share capital)   EUR         15,000,000.00

    Other capital                        EUR           -581,400.00

   Reserves                              EUR         34,081,092.46

    Capital reserves                     EUR         15,125,817.63

    Retained earnings / revenue reserves EUR         18,955,274.83

   Balance sheet profit/loss (+/-)       EUR          6,002,967.56

    Profit / loss brought forward        EUR            101,023.35

    Annual surplus / annual deficit      EUR          5,901,944.21

  Provisions                             EUR         10,916,207.11

   Pension provisions and comparable

   provisions                            EUR          7,885,888.00

   Other / unspecified provisions        EUR          3,030,319.11

  Liabilities                            EUR         40,676,231.70

   Financial debts                       EUR         21,311,900.93

    Liabilities due to banks             EUR         21,311,900.93

   Other liabilities                     EUR         19,364,330.77

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          6,986,293.14

    Liabilities from received advance

    payments                             EUR                468.00

    Liabilities due to shareholders      EUR          9,559,779.76

    Liabililties due to related companiesEUR             67,016.64

    Unspecified other liabilities        EUR          2,750,773.23

     thereof liabilities from tax /

     financial authorities               EUR            823,065.38

     thereof liabilities from social

     security                            EUR                  0.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        171,670,603.72

  Inventory change + own costs (+/-)     EUR            462,381.90

   Inventory change (+/-)                EUR            462,381.90

  Other operating income                 EUR          4,141,682.19

  Cost of materials                      EUR        135,317,481.76

   Raw materials and supplies, purchased

   goods                                 EUR        135,287,218.44

   Purchased services                    EUR             30,263.32

  Gross result (+/-)                     EUR         40,957,186.05

  Staff expenses                         EUR         16,512,895.10

   Wages and salaries                    EUR         13,675,475.78

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          2,837,419.32

  Total depreciation                     EUR          1,892,721.37

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          1,892,721.37

  Other operating expenses               EUR         14,363,720.55

  Operating result from continuing

  operations                             EUR          8,187,849.03

  Result from participating interests

  (+/-)                                  EUR            854,447.59

   Expenses / income from participations EUR            854,447.59

    Income from transfer of profits      EUR            818,780.80

    Income from related companies        EUR             35,666.79

  Interest result (+/-)                  EUR         -1,774,854.85

   Interest and similar income           EUR             12,334.30

    thereof from related companies       EUR                  0.00

   Interest and similar expenses         EUR          1,787,189.15

    thereof paid to related companies    EUR              2,270.82

  Other financial result                 EUR             47,896.54

   Income from securities and loans from

   financial assets                      EUR             47,896.54

    thereof related companies            EUR             47,896.54

  Financial result (+/-)                 EUR           -872,510.72

  Result from ordinary operations (+/-)  EUR          7,315,338.31

  Extraordinary expenses                 EUR            142,553.00

  Extraordinary result (+/-)             EUR           -142,553.00

  Income tax / refund of income tax (+/-)EUR         -1,229,445.18

  Other taxes / refund of taxes          EUR            -41,395.92

  Tax (+/-)                              EUR         -1,270,841.10

  Annual surplus / annual deficit        EUR          5,901,944.21

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.01.2010 - 31.12.2010

 

 ASSETS                                  EUR         98,460,775.45

  Fixed assets                           EUR         49,210,220.34

   Intangible assets                     EUR            409,346.57

    Concessions, licences, rights        EUR            409,346.57

   Tangible assets                       EUR         13,893,035.03

    Land / similar rights                EUR          7,709,158.78

    Plant / machinery                    EUR          5,199,589.87

    Other tangible assets / fixtures and

    fittings                             EUR            409,453.88

    Advance payments made / construction

    in progress                          EUR            574,832.50

   Financial assets                      EUR         34,907,838.74

    Shares in participations /

    subsidiaries and the like            EUR         15,328,230.91

     Shares in related companies         EUR         12,047,936.42

     Shares in investee companies        EUR          3,280,294.49

    Loans to participations /

    subsidiaries and the like            EUR         19,549,607.83

     Loans to related companies          EUR         19,549,607.83

    Other loans                          EUR             30,000.00

  Current assets                         EUR         49,166,015.29

   Stocks                                EUR         23,918,698.47

    Raw materials, consumables and

    supplies                             EUR          5,950,896.26

    Finished goods / work in progress    EUR         17,967,802.21

   Accounts receivable                   EUR         25,079,427.26

    thereof total due from shareholders  EUR                  0.00

    Trade debtors                        EUR         15,588,816.90

    Amounts due from related companies   EUR          6,643,910.79

    Amounts due from investee companies  EUR            750,814.17

    Other debtors and assets             EUR          2,095,885.40

   Liquid means                          EUR            167,889.56

  Remaining other assets                 EUR             84,539.82

   Accruals (assets)                     EUR             84,539.82

 

 LIABILITIES                             EUR         98,460,775.45

  Shareholders' equity                   EUR         51,600,715.81

   Capital                               EUR         14,418,600.00

    Subscribed capital (share capital)   EUR         15,000,000.00

    Other capital                        EUR           -581,400.00

   Reserves                              EUR         33,247,324.67

    Capital reserves                     EUR         15,125,817.63

    Retained earnings / revenue reserves EUR         18,121,507.04

   Balance sheet profit/loss (+/-)       EUR          3,934,791.14

    Annual surplus / annual deficit      EUR          3,934,791.14

  Provisions                             EUR         10,815,085.35

   Pension provisions and comparable

   provisions                            EUR          7,432,320.00

   Provisions for taxes                  EUR            886,612.13

   Other / unspecified provisions        EUR          2,496,153.22

  Liabilities                            EUR         36,026,454.06

   Financial debts                       EUR         17,176,879.89

    Liabilities due to banks             EUR         17,176,879.89

   Other liabilities                     EUR         18,849,574.17

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          7,358,818.84

    Liabilities due to shareholders      EUR          9,309,044.55

    Liabililties due to related companiesEUR             34,822.87

    Liabilities due to investee companiesEUR             74,833.90

    Unspecified other liabilities        EUR          2,072,054.01

     thereof liabilities from tax /

     financial authorities               EUR            325,425.09

     thereof liabilities from social

     security                            EUR                  0.00

  Other liabilities                      EUR             18,520.23

   Deferred taxes (not included under

   provisions/liabilities)               EUR             18,520.23

  Guarantees and other commitments       EUR          1,277,454.00

   Guarantees / warranties               EUR          1,277,454.00

    Guarantees                           EUR          1,277,454.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        144,824,790.97

  Inventory change + own costs (+/-)     EUR          4,323,242.36

   Inventory change (+/-)                EUR          4,232,109.60

   Capitalised own costs                 EUR             91,132.76

  Other operating income                 EUR            855,801.49

  Cost of materials                      EUR        112,333,223.56

   Raw materials and supplies, purchased

   goods                                 EUR        112,210,697.68

   Purchased services                    EUR            122,525.88

  Gross result (+/-)                     EUR         37,670,611.26

  Staff expenses                         EUR         15,628,340.90

   Wages and salaries                    EUR         12,834,527.42

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          2,793,813.48

  Total depreciation                     EUR          1,582,157.80

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          1,582,157.80

  Other operating expenses               EUR         13,782,797.17

  Operating result from continuing

  operations                             EUR          6,677,315.39

  Result from participating interests

  (+/-)                                  EUR            536,376.89

   Expenses / income from participations EUR            536,376.89

    Income from transfer of profits      EUR            511,888.00

    Income from related companies        EUR             24,488.89

  Interest result (+/-)                  EUR         -1,655,528.37

   Interest and similar income           EUR             68,231.44

    thereof from related companies       EUR             67,895.50

   Interest and similar expenses         EUR          1,723,759.81

  Other financial result                 EUR             23,459.53

   Income from securities and loans from

   financial assets                      EUR             23,459.53

    thereof related companies            EUR             23,459.53

  Financial result (+/-)                 EUR         -1,095,691.95

  Result from ordinary operations (+/-)  EUR          5,581,623.44

  Extraordinary income                   EUR            153,392.30

  Extraordinary expenses                 EUR            149,746.00

  Extraordinary result (+/-)             EUR              3,646.30

  Income tax / refund of income tax (+/-)EUR         -1,608,827.61

  Other taxes / refund of taxes          EUR            -41,650.99

  Tax (+/-)                              EUR         -1,650,478.60

  Annual surplus / annual deficit        EUR          3,934,791.14


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.58

UK Pound

1

Rs.98.51

Euro

1

Rs.83.49

 

 

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

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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.