MIRA INFORM REPORT

 

 

Report Date :

14.04.2014

 

IDENTIFICATION DETAILS

 

Name :

ARNOLD WILLS AND CO. LTD.

 

 

Registered Office :

Station Road Uppingham  Oakham, LE15 9TZ

 

 

Country :

United Kingdom

 

 

Financials (as on) :

31.05.2013

 

 

Date of Incorporation :

20.08.1946

 

 

Com. Reg. No.:

00417612

 

 

Legal Form :

Private Parent

 

 

Line of Business :

Manufacturers of waist belts, leather and plastic goods and importing fashionaccessories and marketing the products to the retail trade.

 

 

No. of Employees

206

 

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 – december 01, 2013

 

Country Name

Previous Rating

(30.09.2013)

Current Rating

(01.12.2013)

United Kingdom

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

UNITED KINGDOM - ECONOMIC OVERVIEW

 

The UK, a leading trading power and financial center, is the third largest economy in Europe after Germany and France. Over the past two decades, the government has greatly reduced public ownership. Agriculture is intensive, highly mechanized, and efficient by European standards, producing about 60% of food needs with less than 2% of the labor force. The UK has large coal, natural gas, and oil resources, but its oil and natural gas reserves are declining and the UK became a net importer of energy in 2005. Services, particularly banking, insurance, and business services, are key drivers of British GDP growth. Manufacturing, meanwhile, has declined in importance but still accounts for about 10% of economic output. After emerging from recession in 1992, Britain's economy enjoyed the longest period of expansion on record during which time growth outpaced most of Western Europe. In 2008, however, the global financial crisis hit the economy particularly hard, due to the importance of its financial sector. Falling home prices, high consumer debt, and the global economic slowdown compounded Britain's economic problems, pushing the economy into recession in the latter half of 2008 and prompting the then BROWN (Labour) government to implement a number of measures to stimulate the economy and stabilize the financial markets; these included nationalizing parts of the banking system, temporarily cutting taxes, suspending public sector borrowing rules, and moving forward public spending on capital projects. Facing burgeoning public deficits and debt levels, in 2010 the CAMERON-led coalition government (between Conservatives and Liberal Democrats) initiated a five-year austerity program, which aimed to lower London's budget deficit from about 11% of GDP in 2010 to nearly 1% by 2015. In November 2011, Chancellor of the Exchequer George OSBORNE announced additional austerity measures through 2017 largely due to the euro-zone debt crisis. The CAMERON government raised the value added tax from 17.5% to 20% in 2011. It has pledged to reduce the corporation tax rate to 21% by 2014. The Bank of England (BoE) implemented an asset purchase program of £375 billion (approximately $605 billion) as of December 2013. During times of economic crisis, the BoE coordinates interest rate moves with the European Central Bank, but Britain remains outside the European Economic and Monetary Union (EMU). In 2012, weak consumer spending and subdued business investment weighed on the economy, however, in 2013 GDP grew 1.4%, accelerating unexpectedly in the second half of the year because of greater consumer spending and a recovering housing market. The budget deficit is falling but remains high at nearly 7% and public debt has continued to increase.

 

Source : CIA

 

 

 



Company name and address

 

ARNOLD WILLS AND CO. LTD.            

 

Station Road Uppingham  Oakham, LE15 9TZ

United Kingdom

 

Tel:

01572822261

Fax:

01572821059

 

www.arnoldwills.co.uk

 

Employees:

206

Company Type:

Private Parent

Corporate Family:

14 Companies

Quoted Status:

Non-quoted Company

Incorporation Date:

20-Aug-1946

Auditor:

Harper Broom

Financials in:

USD (In Millions)

Fiscal Year End:

31-May-2013

Reporting Currency:

British Pound Sterling

Annual Sales:

36.1  1

Net Income:

2.1

Total Assets:

27.8

 

           

Business Description     

 

 

Manufacturers of waist belts, leather and plastic goods and importing fashionaccessories and marketing the products to the retail trade.

 

 

Industry

 

 

Industry

Clothing and Apparel Manufacturing

ANZSIC 2006:

1320 - Leather Tanning, Fur Dressing and Leather Product Manufacturing

ISIC Rev 4:

1512 - Manufacture of luggage, handbags and the like, saddlery and harness

NACE Rev 2:

1512 - Manufacture of luggage, handbags and the like, saddlery and harness

NAICS 2012:

316998 - All Other Leather Good and Allied Product Manufacturing

UK SIC 2007:

1512 - Manufacture of luggage, handbags and the like, saddlery and harness

US SIC 1987:

31 - Leather and Leather Products

 

 

 

Key Executives

 

Name

Title

Marc Payne

Sales & Marketing Director

Carol Mary Wills

Secretary

Susan Kendrick

Purchasing Manager

Michael Beaver

Factory Manager

Alan MacVicar

Company Accountant

 

 

 

 

Financial Summary

 

FYE: 31-May-2013

USD (mil)

 

Key Figures

 

Current Assets

19.39

Fixed Assets

8.42

Total Liabilities

4.50

Net Worth

22.91

 

Key Ratios

 

Current Ratio

4.30

Acid Test

3.31

 

Registered No.(UK):00417612

 

1 - Profit & Loss Item Exchange Rate: USD 1 = GBP 0.6374732
2 - Balance Sheet Item Exchange Rate: USD 1 = GBP 0.6575888

 

 

Corporate Overview

 

Location
Station Road
Uppingham
Oakham, LE15 9TZ
Leicestershire County
United Kingdom

 

Tel:

01572822261

Fax:

01572821059

 

www.arnoldwills.co.uk

Sales GBP(mil):

23.0

Assets GBP(mil):

18.3

Employees:

206

Fiscal Year End:

31-May-2013

 

KeyIDSM:

42273543

Industry:

Apparel and Accessories

Registered Address:
Aston House
York Road
Maidenhead, SL6 1SF
United Kingdom

 

Incorporation Date:

20-Aug-1946

Company Type:

Private Parent

Quoted Status:

Not Quoted

Registered No.(UK):

00417612

 

Director:

Philippa Jane Weyl Wills

 

 

Industry Code

 

ANZSIC 2006 Codes:

1320

-

Leather Tanning, Fur Dressing and Leather Product Manufacturing

 

ISIC Rev 4 Codes:

1512

-

Manufacture of luggage, handbags and the like, saddlery and harness

 

NACE Rev 2 Codes:

1512

-

Manufacture of luggage, handbags and the like, saddlery and harness

 

NAICS 2012 Codes:

316998

-

All Other Leather Good and Allied Product Manufacturing

 

US SIC 1987:

31

-

Leather and Leather Products

 

UK SIC 2007:

1512

-

Manufacture of luggage, handbags and the like, saddlery and harness

 

 

Business Description

Manufacturers of waist belts, leather and plastic goods and importing fashionaccessories and marketing the products to the retail trade.

More Business Descriptions

Manufacturer of Lined Clothing

Leather and Hide Products (Manufacture and Supply)

Manufacturer of Mens and Ladies Fashion Accessories and Gifts - Arnold Wills and Co Ltd, 10 Station Road, Uppingham, Rutland, LE15 9TZ

 

 

Financial Data

 

Financials in:

GBP(mil)

Revenue:

23.0

Net Income:

1.3

Assets:

18.3

Current Assets:

12.8

Fixed Assets:

5.5

Long Term Debt:

0.0

Total Liabilities:

3.0

Issued Capital:

0.1

Working Capital:

9.8

Net Worth:

15.1

Date of Financial Data:

31-May-2013

1 Year Growth

7.8%

NA

NA

 

 

 

Key Corporate Relationships

 

Auditor:

Harper Broom

Auditor:

Harper Broom, Harper Broom

Auditor History

Harper Broom

31-May-2013

Harper Broom

31-May-2012

Harper Broom

31-May-2011

Harper Broom

31-May-2010

Harper Broom

31-May-2009

 

GBP(mil)

Audit Fees:

0.0

Non Audit Fees:

0.2

Audit Fiscal Year:

05-31-2013

 

 

Corporate Family      

 

Corporate Structure News:

 

Arnold Wills And Co. Ltd.
Total Corporate Family Members: 14

 

Company Name

Company Type

Location

Country

Industry

Sales
(USD mil)

Employees

Arnold Wills And Co. Ltd.

Parent

Oakham

United Kingdom

Clothing and Apparel Manufacturing

36.1

206

Nancy Fisher Ltd.

Subsidiary

Maidenhead

United Kingdom

Clothing and Apparel Manufacturing

Lambournes (Sophos) Ltd.

Subsidiary

Maidenhead

United Kingdom

Miscellaneous Professional Services

Magnificent Mouchoirs Ltd.

Subsidiary

Maidenhead

United Kingdom

Miscellaneous Professional Services

Manning-Knight Ltd.

Subsidiary

Maidenhead

United Kingdom

Clothing and Apparel Manufacturing

F.S.Ashby & Brant Ltd.

Subsidiary

Maidenhead

United Kingdom

Clothing and Apparel Manufacturing

John More & Co,Ltd.

Subsidiary

Maidenhead

United Kingdom

Clothing and Apparel Manufacturing

D.L.Hewitt & Co.Ltd.

Subsidiary

Maidenhead

United Kingdom

Clothing and Apparel Manufacturing

A.J.Tarr Ltd.

Subsidiary

Maidenhead

United Kingdom

Clothing and Apparel Manufacturing

Cole Brothers (Travel Goods) Ltd.

Subsidiary

Maidenhead

United Kingdom

Clothing and Apparel Manufacturing

Wills Inns Ltd.

Subsidiary

Maidenhead

United Kingdom

Holding Companies

Beaver Inns Ltd.

Subsidiary

Maidenhead

United Kingdom

Restaurants and Bars

1.3

Falcon Hotel Management Ltd.

Subsidiary

Maidenhead

United Kingdom

Hotels and Accommodation

1.3

The Vaults Inns Ltd.

Subsidiary

Maidenhead

United Kingdom

Restaurants and Bars

0.8

 

 

 

Executives Report

 

 

Board of Directors

 

Name

Title

Function

Belinda Katie Kew

Director

Director/Board Member

Age: 32

Philippa Jane Weyl Wills

Director

Director/Board Member

Age: 31

Robert Hugo Weyl Wills

Director

Director/Board Member

Age: 64

 

Executives

 

Name

Title

Function

Carol Mary Wills

Secretary

Company Secretary

Age: 58

Alan MacVicar

Company Accountant

Accounting Executive

Marc Payne

Sales & Marketing Director

Sales Executive

Michael Beaver

Factory Manager

Manufacturing Executive

Susan Kendrick

Purchasing Manager

Purchasing Executive

 

 

Directors and Shareholders Report

 

Main Office Address:
Station Road
Uppingham
Oakham
United Kingdom LE15 9TZ

Tel: 01572822261
Fax: 01572821059
URL: http://www.arnoldwills.co.uk

Annual Return Date: 13 Jun 2013
Total Issued Capital (GBP 000): 85

 

Individual Directors


Name

Status

DOB

Filed Address

Appointment Date

Resignation Date

Summary of Directorships

Belinda Katie
Kew

Current

24 Dec 1981

Aston House, York Road,
Maidenhead, Berkshire SL6 1SF

18 Jun 2008

NA

Current:1
Previous:0
Disqualifications:0

Robert Hugo Weyl
Wills

Current

16 Jul 1949

Barn Hill House, Barn Hill,
Stamford, Lincolnshire PE9 2AE

13 Jun 1991

NA

Current:33
Previous:1
Disqualifications:0

Philippa Jane Weyl
Wills

Current

16 Sep 1982

Aston House, York Road,
Maidenhead, Berkshire SL6 1SF

18 Jun 2008

NA

Current:1
Previous:0
Disqualifications:0

Carol Mary
Wills

Previous

15 Dec 1955

Aston House York Road,
Maidenhead, Berkshire SL6 1SF

10 Aug 2001

13 Jun 2008

Current:13
Previous:1
Disqualifications:0

Olive Rosamund
Wills

Previous

01 Jan 1910

York House, Leicester Road,
Uppingham Rutland, Leicestershire

13 Jun 1991

10 Aug 2001

Current:0
Previous:9
Disqualifications:0

 

 

 

Corporate Directors


There are no corporate directors for this company.

 

Individual Secretaries


Name

Status

DOB

Filed Address

Appointment Date

Resignation Date

Summary of Directorships

Carol Mary
Wills

Current

15 Dec 1955

Aston House York Road,
Maidenhead, Berkshire SL6 1SF

13 Jun 2008

NA

Current:13
Previous:1
Disqualifications:0

Robert Hugo Weyl
Wills

Previous

16 Jul 1949

Barn Hill House, Barn Hill,
Stamford, Lincolnshire PE9 2AE

13 Jun 1991

13 Jun 2008

Current:33
Previous:1
Disqualifications:0

 

 

 

Corporate Secretaries


Company Name

Status

Registered Address

Appointment Date

Resignation Date

Jane Secretarial Services Limited

Previous

5Th Floor Kinnaird House 1 Pall Mall East,
London, London SW1Y 5AU

16 Mar 2000

26 Jan 2005

 

 

 

Individual Shareholders


Name

Share Details
(As Reported)

Share Type

# of Shares

Share Price (GBP)

Share Value (GBP)

% of Total Shares

B K Kew

82930 B Ordinary GBP 0.50

B Ordinary

82,930

0.50

41,465.00

32.88

Belinda Katie Kew

1676 B Ordinary GBP 0.50

B Ordinary

1,676

0.50

838.00

0.66

J A Broom

1 B Ordinary GBP 0.50

B Ordinary

1

0.50

0.50

<0.01

J A Broom

1 A Ordinary GBP 0.50

A Ordinary

1

0.50

0.50

<0.01

J G Kew

82930 B Ordinary GBP 0.50

B Ordinary

82,930

0.50

41,465.00

32.88

P J Wills

52 A Ordinary GBP 0.50

A Ordinary

52

0.50

26.00

0.02

R H W Wills

52 A Ordinary GBP 0.50

A Ordinary

52

0.50

26.00

0.02

Robert Hugo Weyl Wills

84554 A Ordinary GBP 0.50

A Ordinary

84,554

0.50

42,277.00

33.53

 

Corporate Shareholders


There are no corporate shareholders for this company.

 

Annual Profit & Loss

 

Financials in: USD (mil)

Except for share items (millions) and per share items (actual units)

 

31-May-2013

31-May-2012

31-May-2011

31-May-2010

31-May-2009

Period Length

52 Weeks

52 Weeks

52 Weeks

52 Weeks

52 Weeks

Filed Currency

GBP

GBP

GBP

GBP

GBP

Exchange Rate (Period Average)

0.637473

0.629159

0.634143

0.6282

0.61899

Consolidated

Yes

Yes

Yes

Yes

Yes

 

 

 

 

 

 

Turnover (UK)

36.1

-

-

-

-

Turnover (Exports)

0.0

-

-

-

-

Total Turnover

36.1

34.0

27.9

38.0

32.0

Cost of Sales

25.4

23.6

20.5

27.5

23.2

Gross Profit

10.7

10.3

7.4

10.5

8.7

Depreciation

0.3

0.2

0.2

0.2

0.2

Other Expenses

7.5

7.7

6.3

7.0

7.0

Operating Profit

3.2

2.6

-

-

-

Other Income

0.3

0.3

0.3

0.4

0.4

Interest Paid

0.0

0.0

0.0

0.0

0.0

Exceptional Income

0.0

-0.1

0.1

0.6

0.0

Discontinued Operations

0.0

0.0

0.0

0.0

0.0

Profit Before Taxes

3.5

2.8

1.4

4.5

2.2

Tax Payable / Credit

0.8

0.8

0.4

1.0

0.7

Extraordinary Items/Debits

0.0

0.0

0.0

0.0

0.0

Dividends

0.6

0.8

2.5

1.3

7.6

Profit After Taxes

2.1

1.3

-1.4

2.0

-6.1

Minority Interests (Profit & Loss)

0.0

0.0

0.0

-0.2

0.0

Audit Fees

0.0

0.1

0.1

0.0

0.1

Non Audit Fees

0.3

0.4

0.3

0.3

0.3

Number of Employees

206

207

177

330

326

Wages

6.3

6.1

4.9

5.6

5.6

Social Security Costs

0.5

0.5

0.4

0.4

0.4

Pensions

-

0.0

0.3

0.1

0.0

Other Pension Costs

0.1

0.3

0.5

0.3

0.4

Employees Remuneration

6.9

6.9

5.8

6.2

6.3

Directors Emoluments

-

0.8

0.5

0.8

0.9

Other Costs

-

0.0

0.0

0.0

0.0

Directors Remuneration

0.7

0.8

0.8

0.8

0.9

Highest Paid Director

0.7

0.7

0.7

0.8

0.9

 

 

Annual Balance Sheet

 

Financials in: USD (mil)

 

 

31-May-2013

31-May-2012

31-May-2011

31-May-2010

31-May-2009

Filed Currency

GBP

GBP

GBP

GBP

GBP

Exchange Rate

0.657589

0.644333

0.607552

0.688255

0.620136

Consolidated

Yes

Yes

Yes

Yes

Yes

 

 

 

 

 

 

Land & Buildings

7.0

7.1

5.7

3.4

3.5

Fixtures & Fittings

0.9

0.8

0.4

0.1

0.2

Plant & Vehicles

0.3

0.2

0.2

0.1

0.2

Total Tangible Fixed Assets

8.2

8.1

6.3

3.6

3.9

Intangible Assets

0.3

0.3

0.4

0.3

0.4

Investments

0.0

0.0

0.0

0.0

0.0

Total Fixed Assets

8.4

8.4

6.6

4.0

4.3

Total Stocks Work In Progress

4.5

4.2

3.7

3.0

5.7

Trade Debtors

5.5

4.0

3.8

2.7

3.1

Inter-Company Debtors

0.0

0.0

0.0

0.0

0.0

Director Loans

0.1

-

-

-

-

Other Debtors

0.7

0.9

1.3

1.6

0.4

Total Debtors

6.3

4.8

5.0

4.4

3.5

Cash and Equivalents

6.4

6.0

4.0

6.0

4.3

Other Current Assets

2.2

1.9

5.3

5.8

6.3

Total Current Assets

19.4

16.9

18.1

19.1

19.7

Total Assets

27.8

25.3

24.7

23.1

24.1

Trade Creditors

2.2

1.3

1.2

0.6

1.4

Inter-Company Creditors

0.0

0.0

0.0

0.0

0.0

Accruals/Deferred Income (Current Liability)

0.7

0.7

0.6

0.5

0.6

Social Security/VAT

0.9

0.8

0.7

0.5

0.4

Corporation Tax

0.6

0.5

0.2

0.8

0.6

Other Current Liabilities

0.1

0.0

0.0

0.0

0.2

Total Current Liabilities

4.5

3.3

2.7

2.4

3.2

Group Loans (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Director Loans (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Hire Purchase (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Leasing (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Total Hire Purchase Loans (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Other Long Term Loans

0.0

0.0

0.0

0.0

0.0

Accruals/Deferred Income (Long Term Liability)

0.0

0.0

0.0

0.0

0.0

Other Long Term Liabilities

0.0

0.0

0.0

0.0

0.0

Total Long Term Liabilities

0.0

0.0

0.0

0.0

0.0

Deferred Taxation

0.0

0.0

0.0

0.0

0.0

Other Provisions

0.0

0.0

0.0

0.0

0.0

Total Provisions

0.0

0.0

0.0

0.0

0.0

Issued Capital

0.1

0.1

0.1

0.1

0.1

Share Premium Accounts

0.0

0.0

0.0

0.0

0.0

Revaluation Reserve

0.3

0.6

0.7

0.6

0.5

Retained Earnings

22.5

21.0

20.9

19.7

19.9

Other Reserves

0.2

0.2

0.2

0.2

0.2

Minority Interests (Balance Sheet)

-0.1

-0.1

-0.1

-0.1

-0.2

Total Shareholders Funds

23.2

21.9

21.9

20.6

20.7

Net Worth

22.9

21.6

21.5

20.3

20.3

 

 

Annual Cash Flows

 

Financials in: USD (mil)

 

 

31-May-2013

31-May-2012

31-May-2011

31-May-2010

31-May-2009

Period Length

52 Weeks

52 Weeks

52 Weeks

52 Weeks

52 Weeks

Filed Currency

GBP

GBP

GBP

GBP

GBP

Exchange Rate (Period Average)

0.637473

0.629159

0.634143

0.6282

0.61899

Consolidated

Yes

Yes

Yes

Yes

Yes

 

 

 

 

 

 

Net Cash Flow From Operating Activities

2.5

2.1

0.8

5.5

0.8

Net Cash Flow from ROI and Servicing of Finance

0.3

0.2

0.8

0.2

0.3

Taxation

-0.8

-0.4

-1.1

-0.7

-0.9

Capital Expenditures

-0.5

-2.0

-2.0

-0.8

-0.1

Acquisitions and Disposals

0.0

0.0

0.0

-0.5

0.0

Paid Up Equity

-0.6

-0.8

-2.5

-1.3

-7.6

Management of Liquid Resources

-0.5

-0.1

3.7

-2.3

-2.2

Net Cash Flow From Financing

0.0

0.0

0.0

0.0

0.0

Increase in Cash

0.4

-1.0

-0.3

0.0

-9.7

 

 

Annual Ratios

 

Financials in: USD (mil)

 

 

31-May-2013

31-May-2012

31-May-2011

31-May-2010

31-May-2009

Period Length

52 Weeks

52 Weeks

52 Weeks

52 Weeks

52 Weeks

Filed Currency

GBP

GBP

GBP

GBP

GBP

Exchange Rate

0.657589

0.644333

0.607552

0.688255

0.620136

Consolidated

Yes

Yes

Yes

Yes

Yes

 

 

 

 

 

 

Current Ratio

4.30

5.10

6.68

8.09

6.24

Liquidity Ratio

3.31

3.83

5.31

6.82

4.43

Stock Turnover

7.78

7.92

7.83

11.63

5.57

Credit Period (Days)

57.19

43.64

47.21

28.58

35.00

Working Capital by Sales

42.50%

40.90%

52.75%

48.21%

51.96%

Trade Credit by Debtors

0.41

0.32

0.33

0.21

0.46

Return on Capital

14.56%

12.58%

6.87%

19.91%

10.45%

Return on Assets

12.20%

10.94%

6.11%

17.87%

9.08%

Profit Margin

9.68%

8.34%

5.18%

11.88%

6.85%

Return on Shareholders Funds

14.64%

12.63%

6.90%

19.99%

10.55%

Equity Gearing

83.34%

86.55%

88.64%

89.40%

86.04%

Interest Coverage

856.27

-

148.95

962.63

84.68

Sales by Tangible Assets

430.00

409.00

464.00

959.00

814.00

Average Remuneration per Employee

0.0

0.0

0.0

0.0

0.0

Profit per Employee

0.0

0.0

0.0

0.0

0.0

Sales per Employee

0.2

0.2

0.2

0.1

0.1

Capital Employed per Employee

0.1

0.1

0.1

0.1

0.1

Tangible Assets per Employee

0.0

0.0

0.0

0.0

0.0

Total Assets per Employee

0.1

0.1

0.1

0.1

0.1

Employee Remuneration by Sales

19.00%

20.25%

20.73%

16.40%

19.79%

Creditor Days (Cost of Sales Based)

33.18

20.00

20.92

8.13

22.00

Creditor Days (Sales Based)

23.34

13.92

15.37

5.88

15.98


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.27

UK Pound

1

Rs.101.10

Euro

1

Rs.83.74

                

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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.