MIRA INFORM REPORT

 

 

Report Date :

17.04.2014

 

IDENTIFICATION DETAILS

 

Name :

FARO SINGAPORE PTE. LTD.

 

 

Registered Office :

3, Changi South Street 2, 01-01, Xilin Districentre, 486548

 

 

Country :

Singapore

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

02.08.2004

 

 

Com. Reg. No.:

200409671-G

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Investment Holding & Manufacture and Repair of Measuring Devices

 

 

No. of Employees :

45 [2014]

 

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 31, 2014

 

Country Name

Previous Rating

(31.12.2013)

Current Rating

(31.03.2014)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderately Low Risk

 

B1

Moderate Risk

 

B2

Moderately High Risk

 

C1

High Risk

 

C2

Very High Risk

 

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. 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 in 2011-13, 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. 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.

:

200409671-G

COMPANY NAME

:

FARO SINGAPORE PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

02/08/2004

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

3, CHANGI SOUTH STREET 2, 01-01, XILIN DISTRICENTRE, 486548, SINGAPORE.

BUSINESS ADDRESS

:

XILIN DISTRICENTRE BUILDING B #01-01, 3 CHANGI SOUTH STREET 2, 486548, SINGAPORE.

TEL.NO.

:

65-65111350

FAX.NO.

:

N/A

CONTACT PERSON

:

KEITH STEVEN BAIR ( DIRECTOR )

PRINCIPAL ACTIVITY

:

INVESTMENT HOLDING & MANUFACTURE AND REPAIR OF MEASURING DEVICES

ISSUED AND PAID UP CAPITAL

:

1.00 ORDINARY SHARE, OF A VALUE OF USD 1.00

SALES

:

USD 37,069,554 [2012]

NET WORTH

:

USD 29,848,556 [2012]

STAFF STRENGTH

:

45 [2014]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

STRONG

PAYMENT

:

PROMPT

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

MARGINAL GROWTH

 


HISTORY / BACKGROUND

 

The Subject 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 Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject 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 Subject is insolvent. The Subject 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 Subject is principally engaged in the (as a / as an) investment holding & manufacture and repair of measuring devices.

 

The immediate holding company of the Subject is FARO CAYMAN LP, a company incorporated in CAYMAN ISLANDS.

The ultimate holding company of the Subject is FARI TECHNOLOGIES, INC., a company incorporated in UNITED STATES.

 

Share Capital History

Date

Issue & Paid Up Capital

16/04/2014

USD 1.00

 

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

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

FARO CAYMAN LP

SCOTIABANK BUILDING, P.O. BOX 268GT, GEORGE TOWN, GRAND CAYMAN, 4TH FLOOR, CAYMAN ISLANDS.

T05UF0700

1.00

100.00

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

------

1.00

100.00

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

=====

+ Also Director

 

The Subject's interest in other companies (Subsidiaries/Associates) are shown as follow :

 

Local No

Country

Company

(%)

As At

JAPAN

FARO JAPAN INC.

100.00

31/12/2013

INDIA

FARO BUSINESS TECHNOLOGIES INDIA PVT. LTD.

99.99

31/12/2013



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

KEITH STEVEN BAIR

Address

:

118 WAYLAND CIRCLE, LONGWOOD, FL 32779, UNITED STATES.

IC / PP No

:

057366301

Nationality

:

AMERICAN

Date of Appointment

:

04/12/2006

 

DIRECTOR 2

 

Name Of Subject

:

JAY WALKER FREELAND

Address

:

5195 CALMES WAY, MERRITT ISLAND, FL 32952, FLORIA, UNITED STATES.

IC / PP No

:

210183124

Nationality

:

AMERICAN

Date of Appointment

:

04/12/2006

 

DIRECTOR 3

 

Name Of Subject

:

JOSEPH ANTHONY AREZONE

Address

:

29, AMBER ROAD, 17-01, SEAVIEW, THE, 439942, SINGAPORE.

IC / PP No

:

S2765552A

Nationality

:

SINGAPOREAN

Date of Appointment

:

11/08/2009


MANAGEMENT

 

 

1)

Name of Subject

:

JOSEPH ANTHONY AREZONE

Position

:

MANAGING DIRECTOR

 

2)

Name of Subject

:

KEITH STEVEN BAIR

Position

:

DIRECTOR

 

 

AUDITOR

 

Auditor

:

FOO KON TAN GRANT THORNTON LLP

Auditor' Address

:

N/A

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

LAI FOON KUEN

IC / PP No

:

S7423122E

Address

:

518A, TAMPINES CENTRAL 7, 05-76, 521518, 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 SUBJECT


* A check has been conducted in our databank againt the Subject 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

:

YES

Overseas

:

YES


The Subject 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

[

X

]

Good 31-60 Days

[

]

Average 61-90 Days

[

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 


CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

Export Market

:

WORLDWIDE

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

OPERATIONS

 

Products manufactured

:

MEASURING DEVICES

Services

:

INVESTMENT HOLDING

 

Total Number of Employees:

YEAR

2014


GROUP

N/A

COMPANY

45

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) investment holding & manufacture and repair of measuring devices.

The Group designs, develop and markets software and portable computerized measurement devices.


FARO Technologies has an innovative, performance driven, talent oriented high-tech culture.



CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-65111350

Match

:

N/A

Address Provided by Client

:

NO 3 CHANGI SOUTH ST 2 NO 01-01 XILIN DISTRI CENTRE BUILDING 486548

Current Address

:

XILIN DISTRICENTRE BUILDING B #01-01, 3 CHANGI SOUTH STREET 2, 486548, SINGAPORE.

Match

:

YES

 

Other Investigations


On 14th April 2014 we contacted one of the staff from the Subject and she provided some information.


The Subject refused to disclose its fax number.



FINANCIAL ANALYSIS

 

 

Profitability

Turnover

:

Increased

[

12.94%

]

Profit/(Loss) Before Tax

:

Increased

[

36.26%

]

Return on Shareholder Funds

:

Acceptable

[

10.87%

]

Return on Net Assets

:

Acceptable

[

12.27%

]

The higher turnover could be attributed to the favourable market condition and the Subject could be gaining the market share progressively.The higher profit could be attributed to the increase in turnover. The Subject's management had generated acceptable return for its shareholders using its assets.

Working Capital Control

Stock Ratio

:

Favourable

[

45 Days

]

Debtor Ratio

:

Unfavourable

[

71 Days

]

Creditors Ratio

:

Favourable

[

17 Days

]

The Subject's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in stocks. The high debtors' ratio could indicate that the Subject was weak in its credit control. However, the Subject could also giving longer credit periods to its customers in order to boost its sales or to capture / retain its market share. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

Liquidity

Liquid Ratio

:

Favourable

[

6.48 Times

]

Current Ratio

:

Favourable

[

7.49 Times

]

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Nil

[

0.00 Times

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject's interest cover was nil as it did not pay any interest during the year. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

Generally, the Subject's performance has improved with higher turnover and profit. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject did not make any interest payment during the year. The Subject was dependent on its shareholders' funds to finance its business needs. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : STRONG

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

Services

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

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

INDUSTRY ANALYSIS

 

INDUSTRY :

ECONOMY

According to Ministry of Trade and Industry (MTI), the Singapore economy is expected to grow by 1.0 to 3.0% in 2013 as growth in the global economy is likely to remain subdued despite macroeconomic conditions stablising in recent months of 2013.

However, the global economic outlook is still clouded with uncertainties. Notably, concerns remain over the extent of the fiscal cutback with the budget sequester in the US and potential flareup of the debt crisis in the Eurozone. Should any of these risks materialise, Singapore's economic growth could come in lower than expected.

Although resilient domestic demand in emerging Asia will provide some support to global demand, it will not fully mitigate the effects of an economic slowdown in the advanced economies. Consequently, Singapore's externally-oriented sectors such as electronics and wholesale trade will continue to perform poorly, while the financial services sector will be affected by heightened uncertainties in the external environment. Nevertheless, there will be some modest support to growth from the biomedical manufacturing cluster and tourism-related sectors. The former will likely see increased production of active pharmaceutical ingredients and biologics while the latter will benefit from rising visitor arrivals from the region.

For the whole of 2012, Singapore's GDP growth slowed to 1.3%, from 5.2% in 2011, mainly due to weakness in the externally-oriented sectors. Manufacturing sector growth slowed sharply from 7.8% in the year 2011 to 0.1%. The hudge decline was largely due to a rebound in the output of the biomedical manufacturing and transport engineering clusters, which together helped to mitigate part of the fall in output in the electronics cluster. By contrast, the construction sector growth accelerated from 6.3% to 8.2% in 2012, due to the expansion in both public and private building activities.

Growth in the services producing industries also moderated to 1.2% in 2012, compared to 4.6% in 2011. This was mainly due to the slowdown in wholesale and retail trade, accommodation and food services as well as other services industries. In particular, the wholesale and retail trade sector contracted by 0.7%, compared to the 1.6% growth in year 2011. The accommodation and food services as well as other services industries posted lower gains of 2.8% and 0.1% respectively, compared to 8.2% and 6.3% in 2011.

For the whole of 2012, all sectors, except the wholesale and retail trade, contributed to growth. Business services was the largest contributor with 0.4 percentage-points, followed by construction with 0.3 percentage-points and transportation and storage at 0.2 percentagepoints. Besides, growth in total demand moderated to 2.4%, compared to 4.2% in 2011. Domestic demand was the key contributor to total demand growth, accounting for 2.2 percentage-points, or over 90 per cent, of the increase.

In 2012, total domestic demand rose by 9.7%, following the 6.5% increase in 2011. The growth in total domestic demand was broad-based across consumption, gross fixed capital formation (GFCF) and changes in inventories. The total consumption expenditure in 2012 grew slightly by 0.9%, easing from the 3.7% growth in 2011. Public consumption expenditure fell by 3.6%, reversing the 0.5% growth in 2011. Private consumption expenditure registered a 2.2% gain, moderating from the 4.6% increase in the preceding year.

Overall, the Singapore economy is expected to grow by 1.0 to 3.0% in 2013.

OVERALL INDUSTRY OUTLOOK : MARGINAL GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2004, the Subject is a Private Limited company, focusing on investment holding & manufacture and repair of measuring devices. Having been in the industry for a decade, the Subject has achieved a certain market share and has built up a satisfactory reputation in the market. It should have received supports from its regular customers. Having strong support from its holding company has enabled the Subject to remain competitive despite the challenging business environment.


Over the years, the Subject has penetrated into both the local and overseas market. The Subject has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the Subject to further enhance its business in the near term. The Subject is operating on a medium scale and it has approximately 45 employees in its business operations. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject


We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. Return on shareholders' funds of the Subject was at an acceptable range which indicated that the management was efficient in utilising its funds to generate income. The Subject 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 Subject 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 USD 29,848,556, the Subject should be able to maintain its business in the near terms


Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises. The Subject's supplier are from both the local and overseas countries. This will eliminates the risk of dependency on deliveries from a number of key suppliers and insufficient quantities of its raw materials. Overall the Subject has a good control over its resources.

We regard that the Subject's overall payment habit is prompt. The Subject had a favourable creditors' ratio as evidenced by its favourable collection days.


The industry has reached its maturity stage and only enjoying a marginal growth. The steady growth of the country's economy will further enhance the industry activities. Thus, the Subject's future performance is very much depend on its marketing strategies in order to retain its position in the market.


Based on the above condition, we recommend credit be granted to the Subject promptly.

 



PROFIT AND LOSS ACCOUNT

 

 

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

 

Financial Year End

2012-12-31

2011-12-31

Months

12

12

Consolidated Account

Company

Company

Audited Account

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

Financial Type

FULL

FULL

Currency

USD

USD

TURNOVER

37,069,554

32,821,082

Other Income

177,702

50,557

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

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

Total Turnover

37,247,256

32,871,639

Costs of Goods Sold

(25,817,742)

(22,991,131)

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

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

Gross Profit

11,429,514

9,880,508

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

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

PROFIT/(LOSS) FROM OPERATIONS

3,742,027

2,746,224

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

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

PROFIT/(LOSS) BEFORE TAXATION

3,742,027

2,746,224

Taxation

(497,631)

(192,942)

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

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

PROFIT/(LOSS) AFTER TAXATION

3,244,396

2,553,282

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

26,604,159

24,050,877

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

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

As restated

26,604,159

24,050,877

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

29,848,555

26,604,159

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

29,848,555

26,604,159

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

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

 

 

BALANCE SHEET

 

 

 

ASSETS EMPLOYED:

FIXED ASSETS

1,022,712

825,638

LONG TERM INVESTMENTS/OTHER ASSETS

Subsidiary companies

91,273

91,273

Deferred assets

180,877

86,500

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

272,150

177,773

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

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

TOTAL LONG TERM ASSETS

1,294,862

1,003,411

CURRENT ASSETS

Stocks

4,535,294

5,336,175

Trade debtors

7,228,218

11,901,356

Other debtors, deposits & prepayments

468,190

402,277

Short term deposits

3,031,142

3,019,345

Cash & bank balances

18,433,837

11,651,529

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

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

TOTAL CURRENT ASSETS

33,696,681

32,310,682

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

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

TOTAL ASSET

34,991,543

33,314,093

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

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

CURRENT LIABILITIES

Trade creditors

1,192,732

1,714,710

Other creditors & accruals

432,123

170,900

Amounts owing to holding company

436,126

1,311,715

Amounts owing to subsidiary companies

509,903

1,627,470

Provision for taxation

610,778

116,157

Other liabilities

1,319,167

1,081,679

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

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

TOTAL CURRENT LIABILITIES

4,500,829

6,022,631

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

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

NET CURRENT ASSETS/(LIABILITIES)

29,195,852

26,288,051

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

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

TOTAL NET ASSETS

30,490,714

27,291,462

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

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

SHARE CAPITAL

Ordinary share capital

1

1

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

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

TOTAL SHARE CAPITAL

1

1

RESERVES

Retained profit/(loss) carried forward

29,848,555

26,604,159

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

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

TOTAL RESERVES

29,848,555

26,604,159

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

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

SHAREHOLDERS' FUNDS/EQUITY

29,848,556

26,604,160

LONG TERM LIABILITIES

Others

642,158

687,302

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

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

TOTAL LONG TERM LIABILITIES

642,158

687,302

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

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

30,490,714

27,291,462

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

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

 

 

FINANCIAL RATIO

 

 

 

TYPES OF FUNDS

Cash

21,464,979

14,670,874

Net Liquid Funds

21,464,979

14,670,874

Net Liquid Assets

24,660,558

20,951,876

Net Current Assets/(Liabilities)

29,195,852

26,288,051

Net Tangible Assets

30,490,714

27,291,462

Net Monetary Assets

24,018,400

20,264,574

BALANCE SHEET ITEMS

Total Borrowings

0

0

Total Liabilities

5,142,987

6,709,933

Total Assets

34,991,543

33,314,093

Net Assets

30,490,714

27,291,462

Net Assets Backing

29,848,556

26,604,160

Shareholders' Funds

29,848,556

26,604,160

Total Share Capital

1

1

Total Reserves

29,848,555

26,604,159

LIQUIDITY (Times)

Cash Ratio

4.77

2.44

Liquid Ratio

6.48

4.48

Current Ratio

7.49

5.36

WORKING CAPITAL CONTROL (Days)

Stock Ratio

45

59

Debtors Ratio

71

132

Creditors Ratio

17

27

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

Liabilities Ratio

0.17

0.25

Times Interest Earned Ratio

0.00

0.00

Assets Backing Ratio

30,490,714.00

27,291,462.00

PERFORMANCE RATIO (%)

Operating Profit Margin

10.09

8.37

Net Profit Margin

8.75

7.78

Return On Net Assets

12.27

10.06

Return On Capital Employed

12.27

10.06

Return On Shareholders' Funds/Equity

10.87

9.60

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.60.23

UK Pound

1

Rs.100.79

Euro

1

Rs.83.29

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

NNA

 

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%)

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.