MIRA INFORM REPORT

 

 

Report Date :

19.09.2013

 

IDENTIFICATION DETAILS

 

Name :

EVONIK METHIONINE SEA PTE. LTD.

 

 

Registered Office :

3, International Business Park, 07-18, Nordic European Centre, 609927, Singapore

 

 

Country :

Singapore

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

21.07.2011

 

 

Com. Reg. No.:

201117368-G

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Trading of Chemicals

 

 

No. of Employees :

Not Available

 

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)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. Real GDP growth averaged 8.6% between 2004 and 2007. The economy contracted 0.8% in 2009 as a result of the global financial crisis, but rebounded 14.8% in 2010, on the strength of renewed exports, before slowing to 5.2% in 2011 and 1.3% in 2012, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity, which has sunk to an average of about 1.0% in the last decade. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub

Source : CIA


EXECUTIVE SUMMARY

 

 

 

REGISTRATION NO.

:

201117368-G

COMPANY NAME

:

EVONIK METHIONINE SEA PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

21/07/2011

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED (LIMITED BY SHARE)

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

3, INTERNATIONAL BUSINESS PARK, 07-18, NORDIC EUROPEAN CENTRE, 609927, SINGAPORE.

BUSINESS ADDRESS

:

3 INTERNATIONAL BUSINESS PARK, 07-18 NORDIC EUROPEAN CENTRE, 609927, SINGAPORE.

TEL.NO.

:

65-68096666

FAX.NO.

:

65-68096866

WEB SITE

:

WWW.EVONIK.COM

CONTACT PERSON

:

PETER HANS ( DIRECTOR )

 

 

 

 

 

 

PRINCIPAL ACTIVITY

:

TRADING OF CHEMICALS

 

 

 

ISSUED AND PAID UP CAPITAL

:

10,000,000.00 ORDINARY SHARE, OF A VALUE OF SGD 10,000,000.00
340,000,000.00 PREFERENCE SHARE, OF A VALUE OF SGD 340,000,000.00

 

 

 

SALES

:

N/A

NET WORTH

:

SGD 192,706,002 [2012]

 

 

 

STAFF STRENGTH

:

N/A

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

HISTORY / BACKGROUND

 

The SC is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the SC must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the SC is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the SC is insolvent. The SC is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

The SC is principally engaged in the (as a / as an) trading of chemicals.

The immediate holding company of the SC is EVONIK (SEA) PTE LTD, a company incorporated in SINGAPORE.

The ultimate holding company of the SC is RAG-STIFTUNG, a company incorporated in GERMANY.

 

The major shareholder(s) of the SC are shown as follows :

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

EVONIK (SEA) PTE LTD
[10,000,000 ORDINARY SHARES & 340,000,000 PREFERENCE SHARES]

3, INTERNATIONAL BUSINESS PARK, 07-18, NORDIC EUROPEAN CENTRE, 609927, SINGAPORE.

199704503Z

350,000,000.00

100.00

 

 

 

---------------

------

 

 

 

350,000,000.00

100.00

 

 

 

============

=====

+ Also Director

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

PETER HANS MEINSHAUSEN

Address

:

23, CLAYMORE ROAD, 23-03, TATE RESIDENCES, THE, 229546, SINGAPORE.

IC / PP No

:

G6312489W

 

 

 

 

 

 

 

 

 

Nationality

:

GERMAN

Date of Appointment

:

01/09/2011

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

NICHOLAS GUTHIER

Address

:

57, SIAN TUAN AVENUE, HONG KONG PARK, 588331, SINGAPORE.

IC / PP No

:

G5056373T

 

 

 

 

 

 

 

 

 

Nationality

:

GERMAN

Date of Appointment

:

01/09/2011

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

THOMAS HERMANN WENZEL

Address

:

IM BORNFELD36 B, 63791, KARLSTEIN AM MAIN, GERMANY.

IC / PP No

:

CGFXPCY27

 

 

 

 

 

 

 

 

 

Nationality

:

GERMAN

Date of Appointment

:

01/09/2011

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 4

 

Name Of Subject

:

DR EMMANUEL JOSEF AUER

Address

:

RENNBAHNSTR 50, 60528 FRANKFURT AM MAIN, GERMANY.

IC / PP No

:

C5HN2F8LX

 

 

 

 

 

 

 

 

 

Nationality

:

GERMAN

Date of Appointment

:

01/05/2013

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 5

 

Name Of Subject

:

DR HARTWIG CHRISTOPH POHLMANN

Address

:

106, DUCHESS AVENUE, 05-08, DUCHESS RESIDENCES, 266311, SINGAPORE.

IC / PP No

:

G5170272M

 

 

 

 

 

 

 

 

 

Nationality

:

GERMAN

Date of Appointment

:

01/09/2011

 

 

 

 

 

 

 

 

 

 

 

 




MANAGEMENT

 

 

 

1)

Name of Subject

:

PETER HANS

 

Position

:

DIRECTOR

 

 

 

 

 

 

AUDITOR

 

Auditor

:

PRICEWATERHOUSECOOPERS LLP

Auditor' Address

:

N/A

 

 

 

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

ANNA MARDIANA ALISJAHBANA

 

IC / PP No

:

S2205619J

 

 

 

 

 

Address

:

46, EASTWOOD ROAD, 04-06, LAGUNA 88, 486356, SINGAPORE.

 

 

 

 

 

 

 

 

 

 

 

 

 

2)

Company Secretary

:

IAN NG FOOK YUN

 

IC / PP No

:

S2565916C

 

 

 

 

 

Address

:

151, CAVENAGH ROAD, 09-161, CAVENAGH COURT, 229628, SINGAPORE.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

BANKING


No Banker found in our databank.

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

 

 

LEGAL CHECK AGAINST SC


* A check has been conducted in our databank againt the SC whether the subject has been involved in any litigation.

No legal action was found in our databank.

No winding up petition was found in our databank.

PAYMENT RECORD

 

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A

 

 

 


The SC refused to disclose its suppliers.

The SC refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

 

]

 

Good 31-60 Days

[

 

]

 

Average 61-90 Days

[

X

]

 

Fair 91-120 Days

[

 

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

 

 

 

Export Market

:

WORLDWIDE

Credit Term

:

AS AGREED

 

 

 

 

 

 

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATIONS

 

Goods Traded

:

CHEMICALS

 

 

 

 

 

Branch

:

NO

 

Other Information:


The SC is principally engaged in the (as a / as an) trading of chemicals.

Evonik is one of the world's leading specialty chemicals companies.

Its specialty chemicals activities focus on high-growth megatrends especially health, nutrition, resource efficiency, and globalization.

CURRENT INVESTIGATION

Latest fresh investigations carried out on the SC indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-68096666

Match

:

N/A

 

 

 

Address Provided by Client

:

3 INTERNATIONAL BUSINESS PARK, 07-18 NORDIC EUROOPEAN CENTRE, SINGAPORE 609927

Current Address

:

3 INTERNATIONAL BUSINESS PARK, 07-18 NORDIC EUROPEAN CENTRE, 609927, SINGAPORE.

Match

:

YES

 

 

 

 

Other Investigations


On 17th September 2013 we contacted one of the staff from the SC and she provided some information on the SC.

The SC refused to disclose its number of employees.

The SC and its Company Secretary refused to comment anything on its nil turnover.

FINANCIAL ANALYSIS

 

 

 

Overall Assessment :

The SC has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. However, the SC is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a zero geared company, the SC virtually has no financial risk as it is mainly dependent on its internal funds to finance its business.

 

 

 

 

 

 

 

Overall financial condition of the SC : FAIR

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

 

Major Economic Indicators :

2008

2009

2010

2011

2012

 

 

 

 

 

 

Population (Million)

4.84

4.98

5.08

5.18

5.31

Gross Domestic Products ( % )

1.5

<0.8>

14.5

4.9

1.3

Consumer Price Index

6.6

0.6

2.8

5.2

4.6

Total Imports (Million)

450,892.6

356,299.3

423,221.8

459,655.1

474,554.0

Total Exports (Million)

476,762.2

391,118.1

478,840.7

514,741.2

510,329.0

 

 

 

 

 

 

Unemployment Rate (%)

2.2

3.2

2.2

2.1

2.0

Tourist Arrival (Million)

10.12

9.68

11.64

13.17

14.37

Hotel Occupancy Rate (%)

81.0

75.8

85.6

86.5

86.4

Cellular Phone Subscriber (Million)

1.31

1.37

1.43

1.50

1.52

 

 

 

 

 

 

Registration of New Companies (No.)

25,327

26,414

29,798

32,317

31,892

Registration of New Companies (%)

<2.2>

4.3

12.8

8.5

<1.3>

Liquidation of Companies (No.)

10,493

22,393

15,126

19,005

17,218

Liquidation of Companies (%)

13.7

113.4

<32.5>

25.6

9.4

 

 

 

 

 

 

Registration of New Businesses (No.)

24,850

26,876

23,978

23,494

24,788

Registration of New Businesses (%)

0.36

8.15

<10.78>

2.02

5.51

Liquidation of Businesses (No.)

21,150

23,552

24,211

23,005

22,489

Liquidation of Businesses (%)

<0.8>

11.4

2.8

<5>

<2.2>

 

 

 

 

 

 

Bankruptcy Orders (No.)

2,326

2,058

1,537

1,527

1,748

Bankruptcy Orders (%)

<15.9>

<11.5>

<25.3>

<0.7>

14.5

Bankruptcy Discharges (No.)

1,500

3,056

2,252

1,391

1,881

Bankruptcy Discharges (%)

<7.7>

103.7

<26.3>

<38.2>

35.2

 

 

 

 

 

 

INDUSTRIES ( % of Growth ) :

 

 

 

 

 

Agriculture

 

 

 

 

 

Production of Principal Crops

<0.32>

3.25

<0.48>

4.25

3.64

Fish Supply & Wholesale

<6.31>

<1.93>

<10.5>

12.10

<0.5>

 

 

 

 

 

 

Manufacturing *

74.6

71.5

92.8

100.0

100.3

Food, Beverages & Tobacco

94.8

90.4

96.4

100.0

103.5

Textiles

180.1

145.9

122.1

100.0

104.0

Wearing Apparel

334.6

211.0

123.3

100.0

92.1

Leather Products & Footwear

128.2

79.5

81.8

100.0

98.6

Wood & Wood Products

132.0

101.4

104.0

100.0

95.5

Paper & Paper Products

101.0

95.4

106.1

100.0

97.4

Printing & Media

118.2

100.9

103.5

100.0

93.0

Crude Oil Refineries

113.1

96.4

95.6

100.0

99.4

Chemical & Chemical Products

84.5

80.3

97.6

100.0

100.5

Pharmaceutical Products

43.7

49.1

75.3

100.0

109.7

Rubber & Plastic Products

120.1

101.2

112.3

100.0

96.5

Non-metallic Mineral

96.5

91.9

92.5

100.0

98.2

Basic Metals

109.8

92.6

102.2

100.0

90.6

Fabricated Metal Products

101.3

90.8

103.6

100.0

104.3

Machinery & Equipment

65.0

57.3

78.5

100.0

112.9

Electrical Machinery

81.7

86.8

124.1

100.0

99.3

Electronic Components

93.1

85.2

113.6

100.0

90.6

Transport Equipment

102.0

96.0

94.0

100.0

106.3

 

 

 

 

 

 

Construction

45.90

<36.9>

14.20

20.50

28.70

Real Estate

<11.2>

1.4

21.3

25.4

31.9

 

 

 

 

 

 

Services

 

 

 

 

 

Electricity, Gas & Water

<1.3>

1.70

4.00

7.00

6.30

Transport, Storage & Communication

11.60

3.90

12.80

7.40

5.30

Finance & Insurance

<5.9>

<16.4>

<0.4>

8.90

0.50

Government Services

17.40

4.50

9.70

6.90

6.00

Education Services

0.50

0.10

<0.9>

<1.4>

0.30

 

 

 

 

 

 

* Based on Index of Industrial Production (2011 = 100)

 

 

 

 

 

(Source : Department of Statistics)

 

 

 

 

 

 

INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

 

 

 

The wholesale and retail trade sector contracted by 1.5% in the fourth quarter of 2012, extending the 0.2% decline in the preceding quarter. For the whole of 2012, the sector declined by 0.7%, reversing the 1.6% growth in 2011. The sector was weighed down primarily by the wholesale trade segment. In 2012, the wholesale trade segment contracted by 1.0%, a reversal from the 1.4% growth in 2011. Growth of the retail trade segment also moderated to 2.0%, from 3.2% in the year 2011.

 

The domestic wholesale trade index grew by 1.2% in the fourth quarter of 2012, an improvement from the 5.4% decline in the third quarter. This was partly due to an increase in the sales of chemicals & chemical products and ship chandlers & bunkering. For the full year of 2012, the domestic wholesale trade index contracted by 2.2%, extending the 1.7% decline in 2011. The foreign wholesale trade index grew by 8.6% in the fourth quarter, an increase from the 6.6% growth in the third quarter. The expansion was partly due to resilient sales of petroleum & petroleum products. For the whole of 2012, the foreign wholesale trade index expanded by 9.1%, faster than the 4.3% increase in 2011.

 

In the fourth quarter of 2012, retail sales volume declined by 2.0%, extending the 0.3% decline in the third quarter. Excluding motor vehicles, retail sales volume grew by 0.4%, a slight moderation compared to the 1.5% gain in the third quarter of 2012. The sales volume of motor vehicles fell by 11% in the fourth quarter of 2012, after contracting by 6.1% in the third quarter. The sales of several discretionary items also declined in the fourth quarter. Besides, the sales of optical goods & books in 2012 fell by 3.6%, while the sales of telecommunications apparatus & computers declined by 1.4%.

 

For 2012 as a whole, retail sales volume grew by 1.3%, compared to the 2.0% expansion in 2011. Excluding motor vehicle sales, the increase in retail sales volume also moderated from 5.4% in 2011 to 1.7% in 2012. Medical goods & toiletries registered the largest increase (9.3%) in sales, followed by telecommunications apparatus & computers (6.9%). By contrast, the sales of watches & jewellery (-2.2%) and optical goods & books (-3.6%) declined.

 

 

 

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH

 

CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2011, the SC is a Private Limited company, focusing on trading of chemicals. Having been in the industry for only 2 years, the SC is growing fast with a paid up capital of SGD 350,000,000. With a huge paid up capital, the SC is allowed to expand its business comfortably. Having strong support from its holding company has enabled the SC to remain competitive despite the challenging business environment. We are confident with the SC's business and its future growth prospect.

Over the years, the SC has penetrated into both the local and overseas market. The SC has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the SC to further enhance its business in the near term. Overall, we regard that the SC's management capability is average.

The SC has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. However, the SC is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a zero geared company, the SC virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at SGD 192,706,002, the SC should be able to maintain its business in the near terms.

The SC's payment habit is average. With its adequate working capital, the SC should be able to pay its short term debts.

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the SC is expected to benefit from the favourable outlook of the industry.

Based on the above condition, we recommend credit be granted to the SC normally.


PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

EVONIK METHIONINE SEA PTE. LTD.

 

Financial Year End

2012-12-31

2011-12-31

Months

12

5

Consolidated Account

Company

Company

Audited Account

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

Financial Type

FULL

FULL

Currency

SGD

SGD

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

<7,118,738>

<220,223>

 

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

<7,118,738>

<220,223>

 

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

<7,118,738>

<220,223>

 

----------------

----------------

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

As previously reported

<220,223>

-

 

----------------

----------------

As restated

<220,223>

-

 

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

<7,338,961>

<220,223>

 

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

<7,338,961>

<220,223>

 

=============

=============

 

 

 

 

 

BALANCE SHEET

 

 

EVONIK METHIONINE SEA PTE. LTD.

 

ASSETS EMPLOYED:

 

 

FIXED ASSETS

163,915,271

30,602,428

 

 

 

INTANGIBLE ASSETS

 

 

Others

8,395

-

 

----------------

----------------

TOTAL INTANGIBLE ASSETS

8,395

-

 

----------------

----------------

TOTAL LONG TERM ASSETS

163,923,666

30,602,428

 

 

 

CURRENT ASSETS

 

 

Other debtors, deposits & prepayments

2,431,083

121,980

Cash & bank balances

56,910,100

7,602,160

 

----------------

----------------

TOTAL CURRENT ASSETS

59,341,183

7,724,140

 

----------------

----------------

TOTAL ASSET

223,264,849

38,326,568

 

=============

=============

 

 

 

CURRENT LIABILITIES

 

 

Other creditors & accruals

24,879,121

36,750

Amounts owing to holding company

172,011

440,321

Amounts owing to related companies

3,782,752

-

Other liabilities

626,166

276,121

 

----------------

----------------

TOTAL CURRENT LIABILITIES

29,460,050

753,192

 

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

29,881,133

6,970,948

 

----------------

----------------

TOTAL NET ASSETS

193,804,799

37,573,376

 

=============

=============

 

 

 

SHARE CAPITAL

 

 

Ordinary share capital

201,000,000

38,000,000

 

----------------

----------------

TOTAL SHARE CAPITAL

201,000,000

38,000,000

 

 

 

RESERVES

 

 

Retained profit/(loss) carried forward

<7,338,961>

<220,223>

Others

<955,037>

<480,044>

 

----------------

----------------

TOTAL RESERVES

<8,293,998>

<700,267>

 

 

 

 

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

192,706,002

37,299,733

 

 

 

LONG TERM LIABILITIES

 

 

Others

1,098,797

273,643

 

----------------

----------------

TOTAL LONG TERM LIABILITIES

1,098,797

273,643

 

----------------

----------------

 

193,804,799

37,573,376

 

=============

=============

 

 

FINANCIAL RATIO

 

 

EVONIK METHIONINE SEA PTE. LTD.

 

TYPES OF FUNDS

 

 

Cash

56,910,100

7,602,160

Net Liquid Funds

56,910,100

7,602,160

Net Liquid Assets

29,881,133

6,970,948

Net Current Assets/(Liabilities)

29,881,133

6,970,948

Net Tangible Assets

193,796,404

37,573,376

Net Monetary Assets

28,782,336

6,697,305

BALANCE SHEET ITEMS

 

 

Total Borrowings

0

0

Total Liabilities

30,558,847

1,026,835

Total Assets

223,264,849

38,326,568

Net Assets

193,804,799

37,573,376

Net Assets Backing

192,706,002

37,299,733

Shareholders' Funds

192,706,002

37,299,733

Total Share Capital

201,000,000

38,000,000

Total Reserves

<8,293,998>

<700,267>

LIQUIDITY (Times)

 

 

Cash Ratio

1.93

10.09

Liquid Ratio

2.01

10.26

Current Ratio

2.01

10.26

WORKING CAPITAL CONTROL (Days)

 

 

Stock Ratio

0

0

Debtors Ratio

0

0

Creditors Ratio

0

0

SOLVENCY RATIOS (Times)

 

 

Gearing Ratio

0.00

0.00

Liabilities Ratio

0.16

0.03

Times Interest Earned Ratio

0.00

0.00

Assets Backing Ratio

0.96

0.99

PERFORMANCE RATIO (%)

 

 

Operating Profit Margin

0.00

0.00

Net Profit Margin

0.00

0.00

Return On Net Assets

<3.67>

<0.59>

Return On Capital Employed

<3.67>

<0.59>

Return On Shareholders' Funds/Equity

<3.69>

<0.59>

Dividend Pay Out Ratio (Times)

0.00

0.00

NOTES TO ACCOUNTS

 

 

Contingent Liabilities

0

0


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.14

UK Pound

1

Rs.100.48

Euro

1

Rs.84.36

 

 

INFORMATION DETAILS

 

Report Prepared by :

PDT

 

 

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.