MIRA INFORM REPORT

 

 

Report Date :

10.09.2013

 

IDENTIFICATION DETAILS

 

Name :

DOKA GMBH

 

 

Registered Office :

Josef Umdaschplatz  1 (umbenannt v Reichsstr.23), A-3300 Amstetten

 

 

Country :

Austria

 

 

Financials (as on) :

31.12.2011

 

 

Year of Incorporation :

1958

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Wholesale of construction materials and sanitary equipment

 

 

No. of Employees :

550

 

 

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 :

Good

Payment Behaviour :

Regular

Litigation :

--

 

 

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

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:

Doka GmbH

Status:

active company

Locations:

Josef Umdaschplatz  1 (umbenannt v Reichsstr.23), A-3300 Amstetten

Phone:

0043 (7472) 605

Fax:

0043 (7472) 64430

E-mail:

oest.doka@doka.com

Internet:

http://www.doka.com

Activities:

Önace 46732 80% Wholesale of construction materials and sanitary equipment

 

Önace 77320 20% Renting and leasing of construction and civil engineering machinery and equipment

 

Probability of Default (Basel II):

0,07%

Very low risk

Recommendation:

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

 

Detail Assessment:

Payment Payments are made within net agreements.

 

Assessment Financial situation is satisfactory.

 

Additional company information

 

 

Year of incorporation:

1958

 

Type of company:

Wholesale and retail trade; repair of motor vehicles

 

Legal form:

limited liability company since 1958-04-28

 

companies' house number:

FN 105743 f St. Pölten 1958-05-06

 

Activities:

 

 

VAT number:

ATU 36871104

 

number - Austrian National Bank:

30660

 

 

 

 

Export 

Country 

 

 

 

Export

world-wide

 

2013

 

 

Financial data

 

total turnover (total sales)

2012

EUR  188.700.000,00

(approx.)

total turnover (total sales)

2011

EUR  188.671.732,30

(exact)

total turnover (total sales)

2010

EUR  170.031.005,59

(exact)

total turnover (total sales)

2009

EUR  170.467.000,00

(exact)

total turnover (total sales)

2008

EUR  173.146.089,39

(exact)

total employees

2013

550

(average)

total stock

2013

EUR  10.000.000,00

(average)

Extraxt from the Companies' House

 

firm (style):

   28      Doka GmbH

legal form:

    1      Gesellschaft mit beschränkter Haftung

registered office:

    1      politischer Gemeinde Amstetten

business adress:

   27      Josef-Umdasch-Platz 1
           3300 Amstetten (NÖ)

capital:

    1      ATS 7.000.000

reference date annual accounts:

    1      31. Dezember

annual accounts:

   45      zum 31.12.2011 eingereicht am 22.08.2012

power of representation:

    1      Die Generalversammlung bestimmt, wenn mehrere Geschäfts-
           führer bestellt sind, deren Vertretungsbefugnis.
    1   Gesellschaftsvertrag  vom 28.04.1958                                001
    1   Generalversammlungsbeschluss  vom 07.12.1970                        002
          Kapitalerhöhung um ATS 6.000.000,--.
          Änderung des Gesellschaftsvertrages im Punkt 3.
          und Neufassung des Gesellschaftsvertrages.
    1   Der Gesellschaftsvertrag wurde mehrfach geändert, zuletzt           003
          mit Beschluss der Generalversammlung  vom 27.12.1989
   28   Generalversammlungsbeschluss  vom 20.06.2008                        004
          Änderung des Gesellschaftsvertrages in den Punkten 1. und 2.

proxy:

         K   Ing. Leopold Hochpöchler, geb. 06.11.1960
   12        vertritt seit 01.01.2001 gemeinsam mit
             einem weiteren Geschäftsführer oder einem Prokuristen
         L   Ing. Franz Hochholzer, geb. 07.07.1967
   13        vertritt seit 01.01.2002 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         M   Dipl.Ing. Peter Reisinger, geb. 14.09.1963
   14        vertritt seit 01.10.2002 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         Q   Ing. Gerold Heinrich, geb. 09.08.1957
   25        vertritt seit 01.01.2007 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         S   Dipl.-Ing. Alfred Wolfschwenger, geb. 27.12.1969
   29        vertritt seit 01.07.2008 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         T   Dr. Hartmut Weller, geb. 25.01.1953
   44        vertritt seit 16.04.2012 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         U   Dipl.-Kfm. Gerd Pechura, geb. 13.10.1958
   36        vertritt seit 01.05.2011 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         W   Mag. Werner Pfleger, geb. 26.04.1969
   39        vertritt seit 01.01.2012 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         X   Dipl.-Ing. Kurt Steindl, geb. 01.12.1971
   42        vertritt seit 01.02.2012 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen

managing director:

         O   Dipl.Ing. Rainer Spitzer, geb. 16.02.1961
   25        vertritt seit 01.01.2007 gemeinsam mit
             einem kollektiv vertretungsbefugten Geschäftsführer oder
             einem Prokuristen
         P   Ing.Mag. Johann Strunz, geb. 07.09.1965
   29        vertritt seit 01.07.2008 gemeinsam mit
             einem weiteren Geschäftsführer oder einem Prokuristen
         R   Ing. Josef Kurzmann, geb. 11.07.1963
   29        vertritt seit 01.07.2008 gemeinsam mit
             einem weiteren Geschäftsführer oder einem Prokuristen
         V   Dipl.-Ing. Gregor Gaisböck, geb. 07.10.1965
   39        vertritt seit 01.01.2012 gemeinsam mit
             einem weiteren Geschäftsführer oder einem Prokuristen

shareholder:

         E   UMDASCH AG
    1        ..................    ATS 7.000.000
    1        .............................................    ATS 7.000.000
                          ------------------------------------------------------
                   Summen:         ATS 7.000.000              ATS 7.000.000

general table:

 Landesgericht St. Pölten
   1 datenersterfaßt am 30.06.1994              Geschäftsfall 916 Fr  1409/94 y
       Ersterfassung gem. Art. XXIII Abs. 4 FBG
   3 eingetragen am 14.09.1994                  Geschäftsfall  10 Fr  1105/94 p
       Antrag auf Änderung  eingelangt am 18.07.1994
  12 eingetragen am 05.04.2001                  Geschäftsfall  28 Fr   210/01 i
       Antrag auf Änderung  eingelangt am 12.01.2001
  13 eingetragen am 17.01.2002                  Geschäftsfall  28 Fr    94/02 y
       Antrag auf Änderung  eingelangt am 20.12.2001
  14 eingetragen am 29.10.2002                  Geschäftsfall  28 Fr  5832/02 k
       Antrag auf Änderung  eingelangt am 21.10.2002
  23 eingetragen am 03.01.2006                  Geschäftsfall  18 Fr  4146/05 i
       Antrag auf Änderung  eingelangt am 27.12.2005
  25 eingetragen am 20.02.2007                  Geschäftsfall  18 Fr   220/07 d
       Antrag auf Änderung  eingelangt am 18.01.2007
  27 eingetragen am 05.01.2008                  Geschäftsfall  18 Fr  3872/07 z
       Antrag auf Änderung  eingelangt am 21.12.2007
  28 eingetragen am 27.06.2008                  Geschäftsfall  18 Fr  2012/08 y
       Antrag auf Änderung  eingelangt am 24.06.2008
  29 eingetragen am 09.07.2008                  Geschäftsfall  28 Fr  1779/08 d
       Antrag auf Änderung  eingelangt am 30.06.2008
  36 eingetragen am 04.05.2011                  Geschäftsfall  28 Fr  1933/11 g
       Antrag auf Änderung  eingelangt am 20.04.2011
  38 eingetragen am 03.09.2011                  Geschäftsfall  28 Fr  4449/11 g
       Antrag auf Änderung  eingelangt am 31.08.2011
  39 eingetragen am 04.01.2012                  Geschäftsfall  28 Fr  8577/11 b
       Antrag auf Änderung  eingelangt am 28.12.2011
  41 eingetragen am 24.01.2012                  Geschäftsfall  28 Fr   167/12 v
       Antrag auf Änderung  eingelangt am 20.01.2012
  42 eingetragen am 11.02.2012                  Geschäftsfall  28 Fr   292/12 b
       Antrag auf Änderung  eingelangt am 09.02.2012
  43 eingetragen am 24.02.2012                  Geschäftsfall  28 Fr   343/12 b
       Antrag auf Änderung  eingelangt am 20.02.2012
  44 eingetragen am 21.04.2012                  Geschäftsfall  28 Fr  1095/12 h
       Antrag auf Änderung  eingelangt am 16.04.2012
  45 eingetragen am 25.08.2012                  Geschäftsfall  28 Fr  2435/12 d
       Elektronische Einreichung Jahresabschluss  eingelangt am 22.08.2012

 

Real estate

 

Real estate text:

No real estate property registered

 

Private data

 

 

Surname

 

 

Date of birth

 

 

Address

 

 

Executive positions

 

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

Dipl.-Ing.(FH)  Gregor Gaisböck

1965-10-07 

 

3300 Amstetten (NÖ) Josef-Umdasch-Platz 1

manager

 

1

 

Ing.  Josef Kurzmann

1963-07-11 

4360 Grein Panlussweg 12

manager

4

Dipl-Ing.  Rainer Spitzer

1961-02-16 

 

1230 Wien Schillerpromenade 7

 

manager

 

0

 

Ing.Mag.  Johann Strunz

1965-09-07 

4020 Linz Ziehrerstraße 18

manager

0

Ing.  Gerold Heinrich

 

1957-08-09 

 

91126 Schwabach Am Holzgarten 11

joint signing clerk

 

0

 

Ing.  Franz Hochholzer

 

1967-07-07 

 

3363 Neufurth Krokeschwalddtraße 12

joint signing clerk

 

1

 

Ing.  Leopold Hochpöchler

1960-11-06 

 

3340 Waidhofen Ybbs Bertastraße 34

joint signing clerk

 

1

 

Dkfm.  Gerd Pechura

1958-10-13 

88085 Langenargen Wiesenweg 14

joint signing clerk

6

Werner Pfleger

 

1969-04-26 

 

3311 Zeillern Friedhofstraße 445

joint signing clerk

 

0

 

Dipl-Ing.  Peter Reisinger

1963-09-14 

 

3300 Amstetten Elsa Brandströmstraße 20

joint signing clerk

 

0

 

Kurt Steindl

 

1971-12-01 

 

4391 Waldhausen im Strudengau Schlossberg 84

joint signing clerk

 

0

 

Dr.  Hartmut Weller

 

1953-01-25 

 

3300 Amstetten Leopoldine Pelzlstraße 3

joint signing clerk

 

0

 

Dipl-Ing.  Alfred Wolfschwenger

1969-12-27 

 

4491 Niederneukirchen Mitterberg 6

joint signing clerk

 

0

 

Adolf Bösch

 

  

 

3300 Amstetten Reichsstraße 23 (c/o)

head of marketing

 

0

 

Josef Hochstöger

 

  

 

3300 Amstetten Josef Umdaschplatz 1 (c/o)(c/o)

head of EDP

 

0

 

Kurt König

 

  

 

3300 Amstetten Reichsstraße 23 (c/o)

head of personnel

 

0

 

 

Balance Sheet  (absolute) 

all amounts in EUR 

 

 

 

2011-12-31 

Land and leasehold rights with buildings thereon including building on land owned by third parties

326.308,00

Other operating and business equipment

426.269,00

Technical plants and machines

43.249,00

Sum tangible assets

795.826,00

Shares on related firms

183.116.237,00

Sum financial assets

183.116.237,00

Sum fixed assets

183.912.063,00

Special account stock

1.563.290,19

Finished products

3.954.478,00

Sum stock

5.517.768,19

Claims from delivered goods and performed services

27.938.467,27

Claims against related firmes Claims against companies with shareholding relationship

25.356.323,00

Other claims and assets

232.419,76

Sum claims

53.527.210,03

Securities and shares

714.089,00

Sum securities and shares

714.089,00

Cash on hand, cheques and bank deposits

6.483.966,68

Sum cash and bank

6.483.966,68

Sum current assets

66.243.033,90

Deferred charges

1.387.787,76

Sum deferred charges

1.387.787,76

Assets

251.542.884,66

Subscribed/declared capital

508.709,84

Not committed capital reserves

26.400.000,00

Legal reserves

50.870,98

Free reserves

30.000.000,00

Balance sheet profit/balance sheet loss

20.587.646,52

Thereof profit/loss carried forward

17.759.322,05

Sum equity capital

77.547.227,34

Other reserves before taxes

158.049,68

Sum reserves before taxes

158.049,68

Reservesfor severance pays

4.415.000,00

Other reserves

7.080.000,00

Sum reserves

11.495.000,00

Liabilities against credit institutes

37.016.961,09

Received advanced payments for orders

357.696,58

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

629.916,70

Liabilities against related firms

122.391.769,34

Other liabilities

1.946.263,93

Sum liabilities

162.342.607,64

Liabilities

251.542.884,66

Contingent liabilities

3.003.939,81

Balance sheet sum

251.542.884,66

 

P / L Account  (absolute) 

all amounts in EUR 

 

 

2011-12-31 

Gross sales 

188.671.732,30

Sum turnover or sum gross profit 

188.671.732,30

Profits from retirement of fixed assets, except financial assets 

40.704,43

Income from dissolution of reserves 

1.937.481,43

Other operating profits 

20.489.237,54

Other operating profits totally 

22.467.423,40

Costs for obtained services 

-22.778.538,98

Special account material costs 

-108.708.579,77

Costs for obtained services totally 

-131.487.118,75

Wages 

-4.564.646,98

Salaries 

-22.286.430,27

Costs for severance pays 

-1.240.691,65

Costs for old age pension 

-35.325,24

Legal fringe benefits and other payments depending on salaries 

-6.390.707,94

Other social fringe benefits 

-263.802,26

Personnel expenses totally 

-34.781.604,34

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

-2.722.824,97

Depreciation tangible assets / intangible assets totally 

-2.722.824,97

Different operating costs 

-34.959.289,64

Other taxes 

-123.288,40

Other operating costs totally 

-35.082.578,04

Operating result totally 

7.065.029,60

Profits from shareholdings 

10.541.490,61

Interest income, securties income and similar income 

611.666,98

Profits from the retirement of and investment in financial assets 

2.266.000,00

Interest and similar disbursements 

-1.456.243,74

Financial expenses 

-14.447.080,00

Financial profits totally 

-2.484.166,15

Results from usual business activity totally 

4.580.863,45

Taxes on income and profits 

-1.752.538,98

Taxes on income and profits totally 

-1.752.538,98

Annual surplus/annual deficit totally 

2.828.324,47

Annual profit/annual loss totally 

2.828.324,47

Profit and loss carried forward from previous year 

17.759.322,05

Transfer of profits totally 

17.759.322,05

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

20.587.646,52

 

Key ratios

 

 

2011  

Cash flow II

  5.551.149,44

Debt amortisation period

  29,95

Bank indebtedness

  14,71

Equity capital share

  30,93

Social capital share

  1,75

Fixed assets coverage

  44,65

Net profit ratio

  2,42

Capital turnover

  0,75

Return on investment

  2,40

Cash flow in % of operating performance

  2,94

Cash flow I

  7.303.688,42

Gross productivity

  5,42

Net productivity

  1,64

Operating performance

  188.671.732,30

Inventories in % of operating performance

  2,92

Gross profit

  57.184.613,55

Locations

 

Type

Locations

Description

 

 

E-mail 

operational 

Josef Umdaschplatz  1 (umbenannt v Reichsstr.23), A-3300 Amstetten

registered headquarters, rented premises 

 

 

oest.doka@doka.com

operational 

Primoschgasse  18, A-9020 Klagenfurt

branch office 

 

 

 

operational 

Plainfelderstraße  17, A-5303 Thalgau

branch office 

 

 

 

operational 

Schießstand  7, A-6401 Inzing

branch office 

 

 

 

operational 

Zimbagasse  3, A-1140 Wien

branch office 

 

 

 

operational 

Josef Umdaschplatz  1, A-3300 Amstetten

registered office, rented premises 

 

 

 

operational 

Mühlfelderweg  24, A-8055 Graz Puntigam

branch office 

 

 

 

operational 

Ritzstraße  10, A-4614 Marchtrenk

branch office, rented premises 

 

 

 

operational 

Ennsbach  110, A-3372 Blindenmarkt, Werk St. Martin "Mietservice"

factory 

 

 

 

former 

Reichsstraße  23, A-3300 Amstetten

registered office 

 

 

 

former 

Reichsstraße  23, A-3300 Amstetten

registered headquarters 

 

 

 

former 

Primoschgasse  18, A-9541 Äussere Einöde

branch office 

 

 

 

former 

Enzersberg  159, A-5303 Thalgau

branch office 

 

 

 

 

related companies

 

Company name

 

Postal code

 

Stake in %

 

number

Companies House

 

Shares in this company are held by:

UMDASCH AG

 

Josef Umdaschplatz  1, A-3300 Amstetten

100 % 1994-06-30

 

70.587

 

FN 101743 y

 

 

This company holds 100% of the shares in:

Doka Österreich GmbH

 

Josef Umdaschplatz  1, A-3300 Amstetten

100 % 2008-07-02

 

1.621.577

 

FN 312874 i

 

DOKA Beteiligungs-GmbH

 

Josef Umdaschplatz  1, A-3300 Amstetten

100 % 2011-05-26

 

7.047.319

 

FN 363552 k

 

FORM-ON GmbH

 

Josef Umdaschplatz  1, A-3300 Amstetten

100 % 2012-07-24

 

7.137.464

 

FN 383219 h

 

 

Affiliated companies and further participations:

Umdasch Beteiligungsgesellschaft mbH

Reichsstraße  23, A-3300 Amstetten

 

 

436.132

 

FN 101605 w

 

Mitropex Beteiligungs GmbH

 

Reichsstraße  23, A-3300 Amstetten

 

 

913.467

 

FN 163847 b

 

Alpex Beteiligungs GmbH

 

Reichsstraße  23, A-3300 Amstetten

 

 

1.025.982

 

FN 178759 g

 

Umdasch Shopfitting GmbH

 

Josef Umdaschplatz  1, A-3300 Amstetten

 

 

334.629

 

FN 99376 t

 

Doka Industrie GmbH

 

Josef Umdaschplatz  1, A-3300 Amstetten

 

 

515.052

 

FN 104172 w

 

Assmann Ladenbau Leibnitz Gesellschaft m.b.H.

Ottokar Kernstockgasse  16, A-8430 Leibnitz

 

 

547.999

 

FN 35797 v

 

 

Bankers

 

 

 

 

Banker

Bank sort code

Type of banking connection

UniCredit Bank Austria AG, 1011 Wien

 

12000

 

main bank connection

 

Oberbank AG, 3300 Amstetten

 

15000

 

main bank connection

 

Erste Bank der oesterreichischen Sparkassen AG, 1011 Wien

 

20111

 

secondary banking connection

 

Raiffeisen Bank International AG, 1011 Wien

 

31000

 

secondary banking connection

 

 

Historical development

 

Year of incorporation:

1958

Date of registration:

1958-05-06

 

Change of company name:

From

To

Company name

   

  2008-06-27

Österreichische DOKA Schalungstechnik Gesellschaft m.b.H. 

  2008-06-27

   

Doka GmbH 

 

Former executives:

From

To

Function

Name

   

  2002-01-17

manager 

Werner Haring 

   

  2007-02-20

manager 

Dipl-Ing. Ernst Pürrer 

  1998-01-17

  2009-12-03

manager 

Franz Prinz 

   

  1998-01-17

joint signing clerk 

Franz Prinz 

  1999-01-19

  2001-04-05

joint signing clerk 

Ing.Mag. Alois Ströbitzer 

  2006-01-03

  2007-02-20

joint signing clerk 

Dipl-Ing. Rainer Spitzer 

  2007-02-20

  2008-07-09

joint signing clerk 

Ing.Mag. Johann Strunz 

  2003-07-09

  2010-07-16

joint signing clerk 

Ing.Mag. Alois Ströbitzer 

  1988-05-30

  2011-05-04

joint signing clerk 

Mag. Alois Wischenbart 

  2001-04-05

  2012-01-04

joint signing clerk 

Ing. Gerhard Maderthaner 

  2008-07-09

  2012-01-14

joint signing clerk 

Dr. Hartmut Weller 

 

Rating classes

Explanation Rating classes (CompanyScore, BasicScore and StartupScore)

PD (CompanyScore, BasicScore and StartupScore)

Explanation PD (CompanyScore, BasicScore and StartupScore)

000

currently no evaluation possible

-

probability of default not calculable

100-199

no risk

0,01%-0,03%

default is unlikely

200-299

very low risk

0,03%-0,20%

very low probability of default

300-399

low risk

0,20%-1,27%

average probability of default

400-499

above normal risk

1,30%-7,81%

probability of default above average

500-599

high risk

7,95%-35,80%

high probability of default

600-699

very high risk

36,23% or higher

very high probability of default

700

insolvent company

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.96

UK Pound

1

Rs.102.91

Euro

1

Rs.86.58

 

 

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

 

--

 

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.