MIRA INFORM REPORT

 

 

Report Date :

05.04.2014  

 

IDENTIFICATION DETAILS

 

Name :

KETTEN-WULF BETRIEBS-GMBH

 

 

Registered Office :

Zum Hohenstein 15, D 59889 Eslohe, Post Box: 11 64

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Year of Establishment:

1925

 

 

Com. Reg. No.:

HRB 3160

 

 

Legal Form :

Private limited company

 

 

Line of Business :

Manufacture of Wire Products, Chains and Springs.

 

 

No. of Employees :

478

 

 

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 – September 30, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

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, has contributed to strong growth 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 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. 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 and 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. 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

 

Ketten-Wulf Betriebs-GmbH

 

 Company Status:      active

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Post Box:

                      11 64

                      Telephone:02973/8010

                      Telefax:  02973/801228

                      Homepage: www.kettenwulf.com

                      E-mail:   service@kettenwulf.com

 

VAT no.

 

DE811158615

 

 

CONCLUSION

 

Business relations are permissible.

 

 

COMPANY SUMMARY

 

 LEGAL FORM              Private limited company

 Date of foundation:      1925

 Registered on:             05.01.1984

 Commercial Register:   Local court 59821 Arnsberg

 under:                          HRB 3160

 

 Share capital:                EUR          1,000,000.00

 

 

Shareholder

 

                      KettenWulf GmbH & Co. KG

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Ltd partnership with priv. ltd.

                      company as general partner

                      Total cap.         EUR          1,260,000.00

                      contribution:

                      Share:             EUR          1,000,000.00

                      Registered on: 20.02.1984

                      Reg. data: 59821 Arnsberg, HRA 3787

 Manager:

                      Günter Wulf

                      Don-Bosco-Str. 12

                      D 59889 Eslohe

                      having sole power of representation

                      born: 14.01.1948

                      Profession: graduate engineer

                      Property regime: Separation of property

                      Marital status: married

 Manager:

                      Julia Wulf

                      D 59889 Eslohe

                      having sole power of representation

                      born: 12.05.1974

                      Profession: Fully qualified management

                      expert

 Manager:

                      Tobias Wulf

                      D 59889 Eslohe

                      having sole power of representation

                      born: 08.05.1976

                      Profession: graduate engineer

 Manager:

                      Ansgar Wulf

                      D 59889 Eslohe

                      having sole power of representation

                      born: 10.10.1979

 Proxy:

                      Reiner Linn

                      D 57392 Schmallenberg

 Proxy:

                      Ulrich König

                      D 59889 Eslohe

                      authorized to jointly represent the company

                      born: 26.07.1971

                      Profession: Fully qualified merchant

 

 Further functions/participations of Günter Wulf (Manager)

 Limited partner:

                      KettenWulf GmbH & Co. KG

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Total cap.         EUR          1,260,000.00

                      contribution:

                      Share:             EUR          1,260,000.00

                      Registered

                      on:         20.02.1984

                      Reg. data:  59821 Arnsberg, HRA 3787

 Manager:

                      Wulf Management-GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         05.01.1984

                      Reg. data:  59821 Arnsberg, HRB 3161

 Manager:

                      Ketten Wulf GmbH (Germany)

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company dormant

                      Share capital:     EUR            130,000.00

                      Registered

                      on:         15.04.2003

                      Reg. data:  59821 Arnsberg, HRB 5645

 Manager:

                      Saltemberg GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR          2,050,000.00

                      Registered

                      on:         26.03.2002

                      Reg. data:  59821 Arnsberg, HRB 3531

 

 Further functions/participations of Julia Wulf (Manager)

 Manager:

                      Wulf Management-GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         05.01.1984

                      Reg. data:  59821 Arnsberg, HRB 3161

 Manager:

                      Ketten Wulf GmbH (Germany)

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company dormant

                      Share capital:     EUR            130,000.00

                      Registered

                      on:         15.04.2003

                      Reg. data:  59821 Arnsberg, HRB 5645

 Manager:

                      Saltemberg GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR          2,050,000.00

                      Registered

                      on:         26.03.2002

                      Reg. data:  59821 Arnsberg, HRB 3531

 Manager:

                      DC-AFAM GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR             30,000.00

                      Registered

                      on:         16.01.2004

                      Reg. data:  59821 Arnsberg, HRB 6638

 

 Further functions/participations of Tobias Wulf (Manager)

 Manager:

                      Wulf Management-GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         05.01.1984

                      Reg. data:  59821 Arnsberg, HRB 3161

 Manager:

                      Saltemberg GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR          2,050,000.00

                      Registered

                      on:         26.03.2002

                      Reg. data:  59821 Arnsberg, HRB 3531

 Manager:

                      Ketten Wulf GmbH (Germany)

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company dormant

                      Share capital:     EUR            130,000.00

                      Registered

                      on:         15.04.2003

                      Reg. data:  59821 Arnsberg, HRB 5645

 

 Further functions/participations of Ansgar Wulf (Manager)

 Manager:

                      Wulf Management-GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         05.01.1984

                      Reg. data:  59821 Arnsberg, HRB 3161

 Manager:

                      Ketten Wulf GmbH (Germany)

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company dormant

                      Share capital:     EUR            130,000.00

                      Registered

                      on:         15.04.2003

                      Reg. data:  59821 Arnsberg, HRB 5645

 Manager:

                      Saltemberg GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Share capital:     EUR          2,050,000.00

                      Registered

                      on:         26.03.2002

                      Reg. data:  59821 Arnsberg, HRB 3531

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

25930   Manufacture of wire products, chains and springs

28150   Manufacture of bearings, gears, gearing and driving elements

 

 

BRANCHES AND FACTORIES

 

Branch:

                      Ketten-Wulf Betriebs-GmbH

                      Sieperting 7

                      D 59889 Eslohe

 Branch:

                      Ketten-Wulf Betriebs-GmbH

                      An der Eisenbahn 4

                      D 28832 Achim

                      Reg. entry: 24.08.2010

 

 

PARTICIPATIONS

 

Shareholder:

                      Saltemberg GmbH

                      Zum Hohenstein 15

                      D 59889 Eslohe

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          2,050,000.00

                      Share:                 EUR          2,000,000.00

                      Reg. data:  26.03.2002

                                  Local court 59821 Arnsberg

                                  HRB 3531

 

 

FINANCIAL INFORMATION

 

 Payment experience:  within agreed terms

 

 Negative information:We have no negative information at hand.

 

 Balance sheet year:  2012

 

 

REAL ESTATE

 

Type of ownership:        Tenant

Address                        Zum Hohenstein 15

                                    D 59889 Eslohe

 

 Land register documents were not available.

 

 

BANKERS

 

 Principal bank

 COMMERZBANK, 59851 MESCHEDE

 Sort. code: 46441003, Account no.: 2302404

 BIC: COBADEFF468, IBAN: DE28464410030230240400

 

 Further bank

 VOLKSBANK REISTE-ESLOHE, 59884 ESLOHE (SAUERLAND)

 Sort. code: 46464453, Account no.: 76049900

 BIC: GENODEM1RET, IBAN: DE76464644530076049900

 

 

FINANCIAL FIGURES

 

 Turnover:            2012               EUR         81,370,487.00

                      2013               EUR         81,500,000.00

 Profit:              2012               EUR          1,343,620.00

 further business figures:

 Equipment:                              EUR          2,068,088.00

 Ac/ts receivable:                       EUR         16,338,169.00

 Liabilities:                            EUR         27,763,050.00

 Employees:                                                    478

 - thereof permanent staff:                                    478

 

 

BALANCE SHEETS

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 59.40

 Liquidity ratio:                   0.62

 Return on total capital [%]:       1.87

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 63.78

 Liquidity ratio:                   0.63

 Return on total capital [%]:       3.06

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                 62.06

 Liquidity ratio:                   0.70

 Return on total capital [%]:       1.48

 

 Balance sheet ratios 01.01.2009 - 31.12.2009

 Equity ratio [%]:                 61.14

 Liquidity ratio:                   0.62

 Return on total capital [%]:       2.89

 

 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:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR         73,240,072.94

  Fixed assets                           EUR         40,581,879.45

   Intangible assets                     EUR          1,015,520.19

    Concessions, licences, rights        EUR          1,015,520.19

   Tangible assets                       EUR         17,116,755.82

    Land / similar rights                EUR         12,756,164.04

    Plant / machinery                    EUR          1,686,307.03

    Other tangible assets / fixtures and

    fittings                             EUR          2,068,088.41

    Advance payments made / construction

    in progress                          EUR            606,196.34

   Financial assets                      EUR         22,449,603.44

    Shares in participations /

    subsidiaries and the like            EUR         18,450,171.61

     Shares in related companies         EUR         18,449,771.61

     Shares in cooperatives              EUR                400.00

    Loans to participations /

    subsidiaries and the like            EUR          3,949,431.83

     Loans to related companies          EUR          3,949,431.83

    Other loans                          EUR             50,000.00

  Current assets                         EUR         32,601,673.49

   Stocks                                EUR         16,230,900.00

    Raw materials, consumables and

    supplies                             EUR          5,833,900.00

    Finished goods / work in progress    EUR         10,397,000.00

   Accounts receivable                   EUR         16,338,168.88

    Trade debtors                        EUR          7,000,065.73

    Amounts due from related companies   EUR          6,303,662.56

    Other debtors and assets             EUR          3,034,440.59

   Liquid means                          EUR             32,604.61

  Remaining other assets                 EUR             56,520.00

   Accruals (assets)                     EUR             56,520.00

 

 LIABILITIES                             EUR         73,240,072.94

  Shareholders' equity                   EUR         42,167,323.40

   Capital                               EUR          1,000,000.00

    Subscribed capital (share capital)   EUR          1,000,000.00

   Reserves                              EUR         24,560,000.00

    Capital reserves                     EUR          4,560,000.00

    Retained earnings / revenue reserves EUR         20,000,000.00

   Balance sheet profit/loss (+/-)       EUR         16,607,323.40

    Balance sheet profit / loss          EUR         16,607,323.40

  Provisions                             EUR          3,249,300.00

   Pension provisions and comparable

   provisions                            EUR          1,925,200.00

   Other / unspecified provisions        EUR          1,324,100.00

  Liabilities                            EUR         27,763,049.54

   Financial debts                       EUR         11,529,727.17

    Liabilities due to banks             EUR         11,529,727.17

   Other liabilities                     EUR         16,233,322.37

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          5,300,343.19

    Liabilities from received advance

    payments                             EUR            483,096.47

    Liabilities due to shareholders      EUR          1,335,391.89

    Liabililties due to related companiesEUR          4,560,532.90

    Unspecified other liabilities        EUR          4,553,957.92

     thereof liabilities from tax /

     financial authorities               EUR            396,677.55

     thereof liabilities from social

     security                            EUR            120,378.34

  Other liabilities                      EUR             60,400.00

   Deferrals (liabilities)               EUR             60,400.00

  Guarantees and other commitments       EUR          9,937,600.00

   Guarantees / warranties               EUR          9,937,600.00

    Guarantees                           EUR          9,731,500.00

    Warranties                           EUR            206,100.00

 

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

 Code (HGB)

  Sales                                  EUR         81,370,486.56

  Inventory change + own costs (+/-)     EUR         -1,331,884.29

   Inventory change (+/-)                EUR         -1,392,000.00

   Capitalised own costs                 EUR             60,115.71

  Other operating income                 EUR          3,884,538.26

  Cost of materials                      EUR         44,685,441.55

   Raw materials and supplies, purchased

   goods                                 EUR         42,882,557.23

   Purchased services                    EUR          1,802,884.32

  Gross result (+/-)                     EUR         39,237,698.98

  Staff expenses                         EUR         25,367,961.36

   Wages and salaries                    EUR         21,173,531.49

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          4,194,429.87

  Total depreciation                     EUR          2,222,650.00

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          2,222,650.00

  Other operating expenses               EUR          9,937,956.02

  Operating result from continuing

  operations                             EUR          1,709,131.60

  Result from participating interests

  (+/-)                                  EUR            771,374.51

   Expenses / income from participations EUR            771,374.51

  Interest result (+/-)                  EUR           -445,079.32

   Interest and similar income           EUR            207,067.00

   Interest and similar expenses         EUR            652,146.32

  Other financial result                 EUR            102,747.77

   Income from securities and loans from

   financial assets                      EUR            102,747.77

  Financial result (+/-)                 EUR            429,042.96

  Result from ordinary operations (+/-)  EUR          2,138,174.56

  Extraordinary expenses                 EUR             28,165.54

  Extraordinary result (+/-)             EUR            -28,165.54

  Income tax / refund of income tax (+/-)EUR           -645,177.45

  Other taxes / refund of taxes          EUR           -121,211.45

  Tax (+/-)                              EUR           -766,388.90

  Annual surplus / annual deficit        EUR          1,343,620.12

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR         66,343,739.00

  Fixed assets                           EUR         37,627,225.19

   Intangible assets                     EUR          1,395,919.85

    Concessions, licences, rights        EUR          1,395,919.85

   Tangible assets                       EUR         16,783,091.54

    Land / similar rights                EUR         13,527,724.47

    Plant / machinery                    EUR          1,574,815.75

    Other tangible assets / fixtures and

    fittings                             EUR          1,665,351.32

    Advance payments made / construction

    in progress                          EUR             15,200.00

   Financial assets                      EUR         19,448,213.80

    Shares in participations /

    subsidiaries and the like            EUR         17,948,781.97

     Shares in related companies         EUR         17,948,381.97

     Shares in cooperatives              EUR                400.00

    Loans to participations /

    subsidiaries and the like            EUR          1,449,431.83

     Loans to related companies          EUR          1,449,431.83

    Other loans                          EUR             50,000.00

  Current assets                         EUR         28,653,306.55

   Stocks                                EUR         15,476,800.00

    Raw materials, consumables and

    supplies                             EUR          6,211,100.00

    Finished goods / work in progress    EUR          9,265,700.00

   Accounts receivable                   EUR         11,351,312.59

    Trade debtors                        EUR          6,312,475.92

    Amounts due from related companies   EUR          3,359,797.21

    Other debtors and assets             EUR          1,679,039.46

   Liquid means                          EUR          1,825,193.96

  Remaining other assets                 EUR             63,207.26

   Accruals (assets)                     EUR             63,207.26

 

 LIABILITIES                             EUR         66,343,739.00

  Shareholders' equity                   EUR         40,823,703.28

   Capital                               EUR          1,000,000.00

    Subscribed capital (share capital)   EUR          1,000,000.00

   Reserves                              EUR         24,560,000.00

    Capital reserves                     EUR          4,560,000.00

    Retained earnings / revenue reserves EUR         20,000,000.00

   Balance sheet profit/loss (+/-)       EUR         15,263,703.28

    Balance sheet profit / loss          EUR         15,263,703.28

  Provisions                             EUR          4,068,000.00

   Pension provisions and comparable

   provisions                            EUR          1,727,500.00

   Provisions for taxes                  EUR            564,100.00

   Other / unspecified provisions        EUR          1,776,400.00

  Liabilities                            EUR         21,351,277.82

   Financial debts                       EUR          6,482,558.59

    Liabilities due to banks             EUR          6,482,558.59

   Other liabilities                     EUR         14,868,719.23

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          2,664,832.38

    Liabilities from received advance

    payments                             EUR            763,463.87

    Liabilities due to shareholders      EUR          1,491,424.58

    Liabililties due to related companiesEUR          5,566,422.83

    Unspecified other liabilities        EUR          4,382,575.57

  Other liabilities                      EUR            100,757.90

   Deferrals (liabilities)               EUR            100,757.90

  Guarantees and other commitments       EUR         15,707,200.00

   Guarantees / warranties               EUR         15,707,200.00

    Guarantees                           EUR         15,485,300.00

    Warranties                           EUR            221,900.00

 

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

 Code (HGB)

  Sales                                  EUR         83,008,091.68

  Inventory change + own costs (+/-)     EUR           -327,635.68

   Inventory change (+/-)                EUR           -425,000.00

   Capitalised own costs                 EUR             97,364.32

  Other operating income                 EUR          2,729,476.34

  Cost of materials                      EUR         45,891,168.12

   Raw materials and supplies, purchased

   goods                                 EUR         44,279,467.83

   Purchased services                    EUR          1,611,700.29

  Gross result (+/-)                     EUR         39,518,764.22

  Staff expenses                         EUR         25,367,688.00

   Wages and salaries                    EUR         21,099,155.70

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          4,268,532.30

  Total depreciation                     EUR          2,105,114.33

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          2,105,114.33

  Other operating expenses               EUR          8,721,146.36

  Operating result from continuing

  operations                             EUR          3,324,815.53

  Result from participating interests

  (+/-)                                  EUR            199,430.19

   Expenses / income from participations EUR            199,430.19

  Interest result (+/-)                  EUR           -508,683.12

   Interest and similar income           EUR            183,038.77

   Interest and similar expenses         EUR            691,721.89

  Other financial result                 EUR             77,956.67

   Income from securities and loans from

   financial assets                      EUR             77,956.67

  Financial result (+/-)                 EUR           -231,296.26

  Result from ordinary operations (+/-)  EUR          3,093,519.27

  Extraordinary expenses                 EUR             28,165.54

  Extraordinary result (+/-)             EUR            -28,165.54

  Income tax / refund of income tax (+/-)EUR           -939,580.54

  Other taxes / refund of taxes          EUR           -125,753.08

  Tax (+/-)                              EUR         -1,065,333.62

  Annual surplus / annual deficit        EUR          2,000,020.11


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.32

UK Pound

1

Rs.100.04

Euro

1

Rs.82.65

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

NIT

 

 

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.