MIRA INFORM REPORT

 

 

Report Date :

01.08.2014

 

IDENTIFICATION DETAILS

 

Name :

ISOVOLTAIC AG

 

 

Registered Office :

Isovoltaicstraße  1, A-8403 Lebring

 

 

Country :

Austria

 

 

Financials (as on) :

31.12.2012

 

 

Year of Establishment :

2006

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturer of plastic plates, sheets, tubes and profiles

 

 

No of Employees :

120

 

 

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 – June 01, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Austria

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderate Low Risk

 

B1

Moderate Risk

 

B2

Moderate High Risk

 

C1

High Risk

C2

Very High Risk

 

D

 

 

AUSTRIA ECONOMIC OVERVIEW

 

Austria, with its well-developed market economy, skilled labor force, and high standard of living, is closely tied to other EU economies, especially Germany's. Its economy features a large service sector, a sound industrial sector, and a small, but highly developed agricultural sector. Following several years of solid foreign demand for Austrian exports and record employment growth, the international financial crisis of 2008 and subsequent global economic downturn led to a sharp but brief recession. Austrian GDP contracted 3.8% in 2009 but saw positive growth of about 2% in 2010 and 2.7% in 2011. Growth fell to 0.6% in 2012. Unemployment did not rise as steeply in Austria as elsewhere in Europe, partly because the government subsidized reduced working hour schemes to allow companies to retain employees. The 2012 unemployment rate of 4.3% was the lowest within the EU. Stabilization measures, stimulus spending, and an income tax reform pushed the budget deficit to 4.5% in 2010 and 2.6% in 2011, from only about 0.9% in 2008. The international financial crisis of 2008 caused difficulties for Austria's largest banks whose extensive operations in central, eastern, and southeastern Europe faced large losses. The government provided bank support - including in some instances, nationalization - to support aggregate demand and stabilize the banking system. Austria's fiscal position compares favorably with other euro-zone countries, but it faces external risks, such as Austrian banks' continued exposure to Central and Eastern Europe as well as political and economic uncertainties caused by the European sovereign debt crisis. In 2011 the government attempted to pass a constitutional amendment limiting public debt to 60% of GDP by 2020, but it was unable to obtain sufficient support in parliament and instead passed the measure as a simple law. In March 2012, the Austrian parliament approved an austerity package consisting of a mix of expenditure cuts and new revenues that will bring public finances into balance by 2016. In 2012, the budget deficit rose to 3.1% of GDP

Source : CIA


Basic company information

 

KSV-number:

1522905

Last up-date:

2014-07-28

Company name:

ISOVOLTAIC AG

Status:

active company

Locations:

Isovoltaicstraße  1, A-8403 Lebring

Phone:

0043 (0) 05/9191

Fax:

0043 (0) 05/9191 - 9900

E-mail:

info@isovoltaic.com

Internet:

http://www.isovoltaic.com

Activities:

Önace 22210 100% Manufacture of plastic plates, sheets, tubes and profiles

 

 

Additional company information

 

Year of incorporation:

2006

 

Activities:

 

 

Type of company:

Manufacturing

 

Legal form:

joint stock company since 2010-11-23

 

companies' house number:

FN 285789 d Graz 2006-11-25

 

VAT number:

ATU 63053359

 

number - Austrian National Bank:

7773820

 

 

 

 

Import 

Country 

 

 

 

Import

Germany

 

2014

 

 

 

Financial data:

 

total turnover (total sales)

2013

EUR  57.000.000,00

(estimated)

total turnover (total sales)

2012

EUR  91.392.908,02

(exact)

total turnover (total sales)

2011

EUR  183.924.238,02

(exact)

total turnover (total sales)

2010

EUR  206.722.755,96

(exact)

total turnover (total sales)

2009

EUR  1.733.466,46

(exact)

turnover (sales) - group

2013

EUR  59.060.000,00

(approx.)

turnover (sales) - group

2012

EUR  96.779.000,00

(approx.)

turnover (sales) - group

2011

EUR  191.508.000,00

(approx.)

total employees

2014

120

(approx.)

total investments

2012

EUR  2.715.179,65

(exact)

total company vehicles

2014

15

(approx.)

 

 

Extraxt from the Companies' House:

 

firm (style):

   25      ISOVOLTAIC AG

legal form:

   25      Aktiengesellschaft

registered office:

   18      politischer Gemeinde Lebring-Sankt Margarethen

business adress:

   29      Isovoltaicstraße 1
           8403 Lebring

capital:

   28      EUR 5.000.000

reference date annual accounts:

    7      31. Dezember

annual accounts:

   31      zum 31.12.2012 eingereicht am 29.08.2013

consolidated accounts:

   31      zum 31.12.2012 eingereicht am 29.08.2013

other provisions:

   25      Der Vorstand besteht aus einer , zwei, drei oder vier
           Personen

board of directors:

         I   Dipl.-HTL-Ing. Manfred Schlögl, geb. 20.11.1958
   25        vertritt seit 14.12.2010 gemeinsam mit
             einem weiteren Vorstandsmitglied oder einem Prokuristen
         K   Dipl.-Ing. Thomas Rossegger, geb. 23.08.1968
   25        Vorsitzender
             vertritt seit 14.12.2010 gemeinsam mit
             einem weiteren Vorstandsmitglied oder einem Prokuristen

proxy:

         R   Mag. Christoph von Lutz, geb. 22.04.1977
   26        vertritt seit 28.02.2011 gemeinsam mit
             einem Vorstandsmitglied oder einem weiteren Prokuristen

supervisory board:

         C   Ing. Mag. Dr. Erlfried Taurer, geb. 10.03.1967
   28        Stellvertreter
         P   Stanislaus Turnauer, BA, geb. 05.11.1970
   25        Vorsitzender
         S   Mag Ferdinand Calice, geb. 27.09.1971
   28        Mitglied
         T   Dr. Johannes Liechtenstein, geb. 28.01.1969
   30        Mitglied

general table:

 Landesgericht Eisenstadt
   1 eingetragen am 25.11.2006                  Geschäftsfall  19 Fr  4630/06 k
       Antrag auf Neueintragung einer Firma  eingelangt am 22.11.2006
 Landesgericht Wiener Neustadt
   7 eingetragen am 03.10.2008                  Geschäftsfall   8 Fr  1685/08 k
       Antrag auf Änderung  eingelangt am 21.04.2008
 Landesgericht Eisenstadt
  10 eingetragen am 02.09.2009                  Geschäftsfall  44 Fr  2441/09 b
       Antrag auf Sitzverlegung  eingelangt am 26.08.2009
  11 eingetragen am 24.03.2010                  Geschäftsfall  44 Fr   801/10 z
       Antrag auf Änderung  eingelangt am 19.03.2010
 Landesgericht Wiener Neustadt
  15 eingetragen am 03.06.2010                  Geschäftsfall   8 Fr  2621/10 f
       Antrag auf Änderung  eingelangt am 31.05.2010
 Landesgericht Eisenstadt
  17 eingetragen am 17.06.2010                  Geschäftsfall  44 Fr  1959/10 b
       Antrag auf Änderung  eingelangt am 07.06.2010
 Landesgericht für ZRS Graz
  18 eingetragen am 15.07.2010                  Geschäftsfall  50 Fr  2071/10 d
       Antrag auf Sitzverlegung  eingelangt am 22.06.2010
  20 eingetragen am 13.08.2010                  Geschäftsfall  50 Fr  2524/10 w
       Antrag auf Änderung  eingelangt am 22.07.2010
  25 eingetragen am 14.12.2010                  Geschäftsfall  50 Fr  4572/10 g
       Antrag auf Änderung  eingelangt am 25.11.2010
  26 eingetragen am 10.03.2011                  Geschäftsfall  50 Fr  1190/11 t
       Einreichung Jahresabschluss  eingelangt am 28.02.2011
  27 eingetragen am 12.03.2011                  Geschäftsfall  50 Fr  1439/11 h
       Antrag auf Änderung  eingelangt am 08.03.2011
  28 eingetragen am 11.02.2012                  Geschäftsfall  50 Fr   177/12 k
       Antrag auf Änderung  eingelangt am 24.01.2012
  29 eingetragen am 15.02.2012                  Geschäftsfall  50 Fr   332/12 p
       Antrag auf Änderung  eingelangt am 10.02.2012
  30 eingetragen am 25.09.2012                  Geschäftsfall  50 Fr  4721/12 v
       Antrag auf Änderung  eingelangt am 25.04.2012
  31 eingetragen am 30.08.2013                  Geschäftsfall  50 Fr  3416/13 h
       Einreichung Jahresabschluss  eingelangt am 29.08.2013

 

 

Real estate:

 

Registration number of real estate  834  Cadastral register  66418  Lebring ST  Number and date of entry  2350/2011  Status of  2013-02-01 

Part A - type of real estate  :

    GST-NR  G BA (NUTZUNG)          FLÄCHE  GST-ADRESSE
    194/2   G GST-Fläche        *    43073
              Bauf.(Gebäude)         14270
              Landw(Feld/Wiese)       9218
              Sonst(Betriebsf.)      19585  Philipsstraße 45
                                            Isovoltastraße 1
    1  a gelöscht
 

Part B - ownership details  :

    1 ANTEIL: 1/1
      ISOVOLTAIC AG (FN 285789 d)
      ADR: Isovoltastraße 1, Lebring   8403
       b 2350/2011 Urkunde 2011-04-07 Eigentumsrecht
 

Part C - registered charges  :

    1  a 655/2002 1402/2005
           DIENSTBARKEIT Duldung von Ver- und Entsorgungsleitungen für
           Industriebetriebe über Gst 194/2
           i.S. Pkt § 6 (1) und (2) Kauf- und Dienstbarkeitsvertrag
           vom 2002-03-12
           für EZ 815
       b 3174/2005 Übertragung der vorangehenden Eintragung(en)
           aus EZ 548
    2  a 6692/2005
           DIENSTBARKEIT Duldung Betstand Betrieb der zur Übertragung
           elektrischer Energie dienenden Anlagen samt dazugehöriger
           Hoch- und Niederspannungsleitungen zur Übertragung von
           Daten dienenden Fernmeldeanlagen an Gst 194/2
           gem Vereinbarung 2005-07-05 für STEWEAG-STEG GmbH
    3  a 6692/2005
           DIENSTBARKEIT Gehen Fahren an Gst 194/2
           gem Vereinbarung 2005-07-05
           für STEWEAG-STEG GmbH
    4  a 6692/2005
           DIENSTBARKEIT Duldung Errichtung Betrieb Instandhaltung
           Erneuerung Umbau der zur Übertragung elektrischer Energie
           dienenden 20-kV-Leitung Schst. KW Lebring-Schst.
           Lebring-Süd sowie Fernmeldeanlagen an Gst 194/2
           gem Pkt 1-6 Vereinbarung 2005-07-05 für STEWEAG-STEG GmbH
            Eintragungen ohne Währungsbezeichnung sind Beträge in ATS
 Grundbuch 01.02.2013 08:22:27
 

Private data:

 

 

Surname

 

 

Date of birth

 

 

Address

 

 

Executive positions

 

Further executive positions (as registered in the companies' house)

Mag.  Christoph von-Lutz

1977-04-22 

8403 Lebring Isovoltastraße 1

joint signing clerk

0

Dipl-Ing.  Thomas Rossegger

1968-08-23 

 

8600 Bruck Mur Ziegelofenweg 60

member of the executive board

 

0

 

Dipl-Ing.  Manfred Schlögl

1958-11-20 

 

8521 Wettmannstätten Nr. 124

 

member of the executive board,

technical director

 

0

 

Stanislaus Turnauer

1970-11-05 

1030 Wien Jauresgasse 11

chairman of the supervisory board

12

Ing.Mag.Dr.  Erlfried Taurer

1967-03-10 

 

1010 Wien Opernring 19

 

deputy chairman of the supervisory board

 

10

 

Mag  Ferdinand Calice

1971-09-27 

SW75EH London 7 Queensgate

member of the supervisory board

0

Dr.  Johannes Liechtenstein

1969-01-28 

 

1090 Wien Berggasse 22

 

member of the supervisory board

 

4

 

MSc.  Klaudia Schober

 

  

 

8403 Lebring Isovoltastraße 1(c/o)

head of marketing

 

0

 

 

 

Balance Sheet  (absolute) all amounts in EUR 

 

 

2012-12-31 

 

 

 

 

Franchises, patents, licences, trademarks and similar rights and advantages

295.504,00

 

 

 

 

Sum intangible assets

295.504,00

 

 

 

 

 

Land with buildings (basic value)

1.798.159,83

 

 

 

 

Land with buildings (building value)

14.585.368,00

 

 

 

 

Land and leasehold rights with buildings thereon including building on land owned by third parties

315.619,00

 

 

 

 

Other operating and business equipment

1.975.987,00

 

 

 

 

Technical plants and machines

24.632.024,00

 

 

 

 

Advanced payments and constructions in progress

104.492,95

 

 

 

 

Sum tangible assets

43.411.650,78

 

 

 

 

 

Shares on related firms

385.478,02

 

 

 

 

Sum financial assets

385.478,02

 

 

 

 

 

Sum fixed assets

44.092.632,80

 

 

 

 

 

Raw-, auxiliary materials and supplies

9.180.796,68

 

 

 

 

Unfinished products

4.432.441,54

 

 

 

 

Finished products

2.228.812,38

 

 

 

 

Sum stock

15.842.050,60

 

 

 

 

 

Claims from delivered goods and performed services

3.651.464,68

 

 

 

 

Claims against related firmes Claims against companies with shareholding relationship

13.222.473,83

 

 

 

 

Other claims and assets

1.879.646,85

 

 

 

 

Sum claims

18.753.585,36

 

 

 

 

 

Cash on hand, cheques and bank deposits

11.421.121,29

 

 

 

 

Sum cash and bank

11.421.121,29

 

 

 

 

 

Sum current assets

46.016.757,25

 

 

 

 

 

Deferred charges

775.256,13

 

 

 

 

Sum deferred charges

775.256,13

 

 

 

 

Assets

90.884.646,18

 

 

 

 

 

Contingent claims

1.228.074,10

 

 

 

 

Subscribed/declared capital

5.000.000,00

 

 

 

 

Legal reserves

1.700.000,00

 

 

 

 

Balance sheet profit/balance sheet loss

19.063.395,86

 

 

 

 

Thereof profit/loss carried forward

29.406.657,57

 

 

 

 

Sum equity capital

25.763.395,86

 

 

 

 

 

Other reserves before taxes

99.432,00

 

 

 

 

Sum reserves before taxes

99.432,00

 

 

 

 

 

Reserves for severance pays

802.581,00

 

 

 

 

Other reserves

4.982.207,54

 

 

 

 

Sum reserves

5.784.788,54

 

 

 

 

 

Liabilities against credit institutes

26.240.000,00

 

 

 

 

Liabilities from delivered goods and performed services

2.846.654,61

 

 

 

 

Liabilities against firm with shareholding relationship

27.503.500,00

 

 

 

 

Other liabilities

2.646.875,17

 

 

 

 

Sum liabilities

59.237.029,78

 

 

 

 

 

Liabilities

90.884.646,18

 

 

 

 

 

Contingent liabilities

4.441.793,61

 

 

 

 

Balance sheet sum

90.884.646,18

 

 

 

 

 

 

P / L Account  (absolute) all amounts in EUR 

 

 

2012-12-31 

 

 

 

 

Gross sales 

91.392.908,02

 

 

 

 

Increase or decrease in finished and unfinished goods and in service claims 

-15.001.267,75

 

 

 

 

Total turnover or gross profit 

76.391.640,27

 

 

 

 

 

Profits from retirement of fixed assets, except financial assets 

7.499,00

 

 

 

 

Income from dissolution of reserves 

1.645.158,02

 

 

 

 

Other operating profits 

6.092.047,27

 

 

 

 

Other operating profits totally 

7.744.704,29

 

 

 

 

 

Costs for obtained services 

-161.763,43

 

 

 

 

Material costs 

-59.725.731,57

 

 

 

 

Costs for obtained services totally 

-59.887.495,00

 

 

 

 

 

Wages 

-4.785.492,35

 

 

 

 

Salaries 

-5.091.975,40

 

 

 

 

Costs for severance pays 

-1.177.806,28

 

 

 

 

Legal fringe benefits and other payments depending on salaries 

-2.549.937,59

 

 

 

 

Other social fringe benefits 

-715.839,48

 

 

 

 

Personnel expenses totally 

-14.321.051,10

 

 

 

 

 

Depreciation of intangible assets, tangible assets,activated expenses for the set up and expansion of business operation 

-5.903.478,11

 

 

 

 

Depreciation tangible assets / intangible assets totally 

-5.903.478,11

 

 

 

 

 

Other operating costs 

-13.486.989,84

 

 

 

 

Other taxes 

-63.615,23

 

 

 

 

Total costs 

-13.550.605,07

 

 

 

 

 

Operating result totally 

-9.526.284,72

 

 

 

 

 

Interest income, securties income and similar income 

406.687,20

 

 

 

 

Interest and similar disbursements 

-1.126.636,61

 

 

 

 

Financial profits totally 

-719.949,41

 

 

 

 

 

Results from usual business activity totally 

-10.246.234,13

 

 

 

 

 

Taxes on income and profits 

-98.473,58

 

 

 

 

Taxes on income and profits totally 

-98.473,58

 

 

 

 

Annual surplus/annual deficit totally 

-10.344.707,71

 

 

 

 

 

Dissolution reserves before taxes 

1.458,00

 

 

 

 

Transfer to reserves before taxes 

-12,00

 

 

 

 

Reserves movements totally 

1.446,00

 

 

 

 

Annual profit/annual loss totally 

-10.343.261,71

 

 

 

 

 

Profit and loss carried forward from previous year 

29.406.657,57

 

 

 

 

Transfer of profits totally 

29.406.657,57

 

 

 

 

B/S profit/ B/S loss from profit and loss account 

19.063.395,86

 

 

 

 

 

 

Key ratios

 

 

2012  

Cash flow II

  -4.441.229,60

Debt amortisation period

  -12,06

Bank indebtedness

  28,87

Equity capital share

  28,45

Social capital share

  0,88

Fixed assets coverage

  60,47

Net profit ratio

  -13,41

Capital turnover

  0,84

Return on investment

  -10,03

Cash flow in % of operating performance

  -5,81

Cash flow I

  -4.342.756,02

Gross productivity

  5,33

Net productivity

  1,15

Operating performance

  76.391.640,27

Inventories in % of operating performance

  20,73

Gross profit

  16.504.145,27

 

Locations

 

Type

Locations

Description

 

 

E-mail 

operational 

Isovoltaicstraße  1, A-8403 Lebring

registered office 

 

 

 

operational 

Isovoltaicstraße  1, A-8403 Lebring

registered headquarters, owned property 

 

 

info@isovoltaic.com

former 

Isovoltastraße  1, A-8403 Lebring

registered office 

 

 

 

former 

Industriestraße  2-8, A-7000 Eisenstadt

registered office 

 

 

 

former 

IZ NÖ-Süd  , A-2355 Wiener Neudorf

registered office 

 

 

 

former 

Bickfordstraße  6, A-7201 Neudörfl

registered office 

 

 

 

former 

Isovoltastraße  1, A-8403 Lebring

registered headquarters 

 

 

 

former 

Industriestraße  2-8, A-7000 Eisenstadt

registered headquarters 

 

 

 

former 

IZ NÖ Süd  Obj 1 Straße 3, A-2355 Wiener Neudorf

registered headquarters 

 

 

 

former 

Bickfordstraße  6, A-7201 Neudörfl

registered headquarters 

 

 

 

former 

Industriestraße  2-8, A-7000 Eisenstadt

branch office 

 

 

 

former 

Isovoltastraße  1, A-8403 Lebring

branch office 

 

 

related companies:

 

Company name

 

Postal code

 

Stake in %

 

KSV-number

Companies House

 

Shares in this company are held by:

TIBAG BETEILIGUNGEN GmbH

 

Opernring  19, A-1010 Wien

50 %  

 

1.642.471

 

FN 319206 x

 

CIAG-Beteiligungen GmbH

 

Opernring  19, A-1010 Wien

5 %  

 

1.642.472

 

FN 319209 a

 

 

Affiliated companies and further participations:

ISOVOLTA AG

 

IZ NÖ-Süd  , A-2355 Wiener Neudorf

 

 

57.347

 

FN 80592 v

 

FunderMax GmbH

 

Klagenfurterstraße  87-89, A-9300 St. Veit Glan

 

 

74.295

 

FN 90081 y

 

Constantia Industries AG

 

Opernring  19, A-1010 Wien

 

 

372.322

 

FN 88206 s

 

Constantia Energy & Technical Components GmbH

Opernring  19, A-1010 Wien

 

 

1.388.457

 

FN 257513 x

 

 

 

Bankers:

 

 

 

 

Banker

Bank sort code

Type of banking connection

Raiffeisen Bank International AG, 1011 Wien

 

31000

 

main bank connection

 

 

 

Historical development:

 

Year of incorporation:

2006

Date of registration:

2006-11-25

 

Change of company name:

From

To

Company name

   

  2008-05-06

FunderMax GmbH 

  2008-05-06

  2009-09-02

Isoflex GmbH 

  2009-09-02

  2010-06-17

ISOVOLTA GmbH 

  2010-06-17

  2010-12-14

ISOVOLTAIC GmbH 

  2010-12-14

   

ISOVOLTAIC AG 

 

 

Change of legal form:

From

To

Legal form

   

  2010-12-14

limited liability company 

  2010-12-14

   

joint stock company 

 

Change in share capital:

From

To

Capital

   

  2008-05-06

EUR  35.000,00

  2008-05-06

  2011-03-12

EUR  1.000.000,00

  2011-03-12

  2012-02-13

EUR  40.000.000,00

  2012-02-13

   

EUR  5.000.000,00

 

Former executives:

From

To

Function

Name

  2006-11-25

  2008-01-03

manager 

Ing. Arnold Lackner 

  2006-11-25

  2008-04-02

manager 

Ing.Mag.Dr. Erlfried Taurer 

  2006-11-25

  2008-04-02

manager 

Dipl-Ing. Kurt Waniek 

  2008-04-02

  2009-06-18

manager 

Dipl-Ing. Gerhard Schwander 

  2010-08-13

  2010-12-14

manager 

Dipl-Ing. Thomas Rossegger 

  2010-03-24

  2010-12-14

manager 

Dipl-Ing. Manfred Schlögl 

  2010-12-14

  2012-02-11

member of the supervisory board 

Ing.Mag.Dr. Erlfried Taurer 

  2010-12-14

  2012-02-11

deputy chairman of the supervisory board 

MMag. Christian Benedict Maier 

  2009-06-18

  2010-08-13

manager 

MBA. Franz Moosbeckhofer 

  2008-04-02

  2010-03-24

manager 

Ing.Mag. Oliver Strass 

 

Former shareholders:

From

To

Function

Name

  2006-11-25

  2008-03-29

partner 

FunderMax GmbH 

  2008-03-29

  2010-08-13

partner 

ISOVOLTA AG 

  2010-08-13

  2010-10-12

partner 

Constantia Sports GmbH 

  2010-10-12

  2010-11-18

partner 

FunderMax GmbH 

  2010-08-13

  2010-12-14

partner 

TIBAG BETEILIGUNGEN GmbH 

  2010-09-13

  2010-12-14

partner 

CIAG-Beteiligungen GmbH 

 

Mergers:

Date

Function

Name

  2010-11-18

merged with 

FunderMax GmbH 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs. 60.24

UK Pound

1

Rs. 101.92

Euro

1

Rs. 80.69

 

 

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

Report Prepared by :

DPT

 

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.