MIRA INFORM REPORT

 

 

Report Date :

11.09.2013

 

IDENTIFICATION DETAILS

 

Name :

MAZU Y COMPAŅIA LIMITADA, ELIAS

 

 

Registered Office :

Buenos Aires 354 - Recoleta Santiago XIII Region Metropolitana

 

 

Country :

Chile

 

 

Date of Incorporation :

1987

 

 

Legal Form :

Limited Liability Partnership

 

 

Line of Business :

·         Factory of clothings.

·         Import and sale of fabrics

 

 

No. of Employees :

50

 

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)

Chile

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

CHILE - ECONOMIC OVERVIEW

 

Chile has a market-oriented economy characterized by a high level of foreign trade and a reputation for strong financial institutions and sound policy that have given it the strongest sovereign bond rating in South America. Exports account for approximately one-third of GDP, with commodities making up some three-quarters of total exports. Copper alone provides 19% of government revenue. From 2003 through 2012, real growth averaged almost 5% per year, despite the slight contraction in 2009 that resulted from the global financial crisis. Chile deepened its longstanding commitment to trade liberalization with the signing of a free trade agreement with the US, which took effect on 1 January 2004. Chile has 22 trade agreements covering 60 countries including agreements with the European Union, Mercosur, China, India, South Korea, and Mexico. Chile has joined the United States and nine other countries in negotiating the Trans-Pacific-Partnership trade agreement. In 2012, foreign direct investment inflows reached $28.2 billion, an increase of 63% over the previous record set in 2011. The Chilean Government has generally followed a countercyclical fiscal policy, accumulating surpluses in sovereign wealth funds during periods of high copper prices and economic growth, and generally allowing deficit spending only during periods of low copper prices and growth. As of 31 December 2012, those sovereign wealth funds - kept mostly outside the country and separate from Central Bank reserves - amounted to more than $20.9 billion. Chile used these funds to finance fiscal stimulus packages during the 2009 economic downturn. In May 2010 Chile signed the OECD Convention, becoming the first South American country to join the OECD.

 

Source : CIA

 


IDENTIFICATION                            

MAZU Y COMPAŅIA LIMITADA, ELIAS

Buenos Aires 354 - Recoleta
Santiago
XIII Region Metropolitana
CHILE

Telephone         : 56-2-27359239, 56-2-27353462
Fax                   : 56-2-27353462

E_Mail              : sami_mazu@hotmail.com
Web Site           : www.emazu.cl
Postal Code      : 8420363


SUMMARY

Started                            : 1987
Total Employees               : 50
Payments                        : Prompt
Capital                             : 000's$         12.000.-

Sic(s)                                : 5137

Line of Business                : Factory of clothings. Import and sale of fabrics.

EVALUATION

Credit Recommendation

                                       000's Pesos   000's US$ dollars         000's Euros
Conservative value          :          48.750                         96                       73
Liberal value                  :          53.625                        105                      80

If additional information is received or present information is rectified, this recommendation may be modified.


Financial indicators

Financial statements could not be obtained, thus financial analysis can not be carried out

COMMERCIAL INFORMATION



Commercial Bulletin      : As at 03/09/2013 subject does not register protested checks, bank drafts nor promissory                            

notes in the  commercial information bulletin

Labor Bulletin                : As at 03/09/2013 does not register work infringements

Previsional Bulletin         : As at 03/09/2013 does not register social security
                                                  infringements

Consolidated delinquency : As at 03/09/2013, subject does not register any delinquent bill

TRADE REFERENCES

Trade reference of the sole supplier is detailed

Detail of References

Old            : Since 1998
Last purchase  : 07-2013
Terms          : cash
Payment        : Prompt
Notes          : invoice
Credit         : (000'sUS$) 30.000
Owes           : Does not Register
Due            : Does not Register
Paying Comments: Good
Purchase Aver. : (Bi-monthly 000's$) 6.000
Cash purchases for discount purposes
.

Detail of Former Trade References
--------------------------------------------------------------------------------
                 Last                                                       Credit            Owes
Old        Purch. Payment.    Notes                     (000'sUS$)        (000'sUS$)
--------------------------------------------------------------------------------
Since 1998 06-10  Prompt      invoice                     30.000            None
Since 1998 02-09  Prompt      invoice                     30.000            None

During the last 6 months, the account holder credit history shows 6 credit review inquiries requested by telecommunications companies.

The account holder credit report reflects no delinquent payment history, no protests, and no social security and/or work infringements as of the date of this report.

AVERAGE PAYMENTS IN CHILE

International Risk and Payment Review reported in June 2011

The local delays in payment average 0-1 month.

BANKS

Subject operates with the following banks:

-  Banco de Chile
-  Banco Santander Chile

OPERATIONS

Line of Business : Factory of clothes. (Women and baby clothes, underwear, pajamas)

Classification according to commercial activity:

Sic:      5137-0000 Women's and children's clothing
            -0501 Baby goods
            -0200 Women's and children's lingerie and undergarments

Commercializes:

- MAZUKID (NACIONAL)
- MOMMY-ME (CHINA)

Subject is considered as a medium company in this line of business, strong competition

Sales

Sales are steady throughout the year

100% wholesalers

National sales territory

Products are sold

National: 100%.

Sales conditions: 50% cash and 50% term payments to 30-60-90-120 days with checks and bill of exchange.

Customers

Main customers are: Line of business' distributors

Purchases

Places orders with multiple suppliers

National:                       5%

International:                  95%

Purchase conditions:      90% letter of credit and  10% collection.

Imports from China, South Korea, Ecuador, India, Peru and Vietnam.

of Imports obtained from Customs'National Service

Country                            %last year   %Accum.
-------------------------------------------------------
India                                   58,05     56,68
China                                   30,54      5,61
Ecuador                                  5,87      5,74
Vietnam                                  2,77     31,95
Peru                                        2,15      0,00
South Korea                              0,61      0,00

Historical registries

Total       2012 = 000's$ 1.266.486                       Accumulated 2013 = 000's$ 672.694
Total       2009 = 000's$ 1.115.324
Total       2008 = 000's$ 1.890.096
Total       2006 = 000's$ 1.987.714


Main suppliers

- Sociedad Industrial y Comercial Pyma Limitada

Employees: 50 employees

Location

-  Offices located at Buenos Aires 354 Recoleta Santiago, Chile, commercial
   area, secondary street of slow traffic, construction in good conditions

Branches

-  Juarez 711, Recoleta Santiago Chile

RELATED COMPANIES

Subject is related with the following company:

-  Inmobiliaria Mazu S.A. T A X 76038446-1

FIXED ASSETS

Real estates

Subject does not register real estates

It was informed that the property located at heading address and the branch
located at Juarez 711, belong to the main shareholder.

Vehicles

Declined information regarding vehicles

Machinery & Instalations

Own modern equipment

-  Circular machines Machinery, total amount is US$1.000.000 approx., workshop ,
   equipments , installations  and other necessary elements .

INSURANCES

Through

-Corredora de Seguros Marco Antonio Siraolo

Risks            : Total cover.
Objetive         : Assets in general.

ADMINISTRATION

General Mgr. & Partner   : Elias Alberto Mazú Poza TAX:5220812-2

LEGAL INFORMATION

Legal Structure              : Limited Liability Partnership
Constitution date            : 20/05/1987. Registered on leaf 13.936 N° 8.891of Santiago Trade Register, year 1987.-
Notary                                       : Público, Santiago
Term of duration             : 5 Year automatically renewable for equal and successive  periods
Legal Address               : Santiago - Chile
Published in                  : Official Gazette dated 17/07/1987 page Nš 7

Current Social Capital: 000's$ 12.000.-
Social Initial Capital: 000's$ 12.000.-

Partner : 2

-  90,00% 5220812-2 Elias Alberto Mazú Poza
-  10,00% Bergerette De Ponson Du Terrail Schumacher

Power of attorney held by General Manager.

Legal changes

Public Deed dated 26/08/1991, notary Kamel Saquel Zaror, Santiago, published in the Official Gazette dated 31/08/1991 page N° 19, statutes were modified: a new text was stated indicating that the subject's business name is "Elias Mazú y Cia. Ltda.", its legal address is the city of Santiago and its capital amounts
to $12.000.000. Term of duration: 5 years, automatically extendable in equal and successive periods.

Public Deed dated 03/10/1991, notary Kamel Saquel Zaror, Santiago, published in the Official Gazette dated 10/10/1991 page N° 10, deed was rectified (prior modification deed was corrected).


INFORMATION SOURCES

On 03/09/2013 Mr. Elias Alberto Mazú Poza,  General Mgr. & Partner,  declined
financial figures,  however, submitted the data shown in this report.

-Other outside information sources.

Exchange rate

-As at 06/09/2013 $ 509,46 Per US$



 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.64.21

UK Pound

1

Rs.100.82

Euro

1

Rs.85.21

 

 

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.