MIRA INFORM REPORT

 

 

Report Date :

01.08.2014

 

IDENTIFICATION DETAILS

 

Name :

KREMPEL GMBH

 

 

Registered Office :

Papierfabrikstr. 4, D 71665 Vaihingen

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

13.12.2007

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

·         Manufacture of Plastic Plates, Sheets, Tubes and Profiles

·         Wholesale of Chemical Products

 

 

No. of Employees :

466

 

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 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

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

 

KREMPEL GMBH

 

 Company Status:          active

                                    Papierfabrikstr. 4

                                    D 71665 Vaihingen

                                    Telephone:07042/9150

                                     Telefax:  07042/15985

                                    Homepage: www.krempel-group.com

                                    E-mail:   info@krempel-group.com

 

 

CONCLUSION

 

 Business relations are permissible.

 

 LEGAL FORM              Private limited company

 Date of foundation:        13.12.2007

 Shareholders'

 agreement:                   13.12.2007

 Registered on:              04.03.2008

 Commercial Register:    Local court 70190 Stuttgart

 under:                          HRB 725733

 

 Share capital:                 EUR         20,000,000.00

 

 Shareholder:

                                    AUGUST KREMPEL SÖHNE GMBH & CO.KG

                                    Papierfabrikstr. 4

                                    D 71665 Vaihingen

                                    Legal form: Ltd partnership with priv. ltd.

                                     company as general partner

                                     Total cap.         EUR          7,007,103.00

                                     contribution:

                                     Share:             EUR         20,000,000.00

                                    Registered on: 13.04.1877

                                    Reg. data: 70190 Stuttgart, HRA 290267

 Manager:

                                    Christian Reh

                                    Badbrunnenstr. 11

                                     D 70374 Stuttgart

                                    born: 23.07.1967

                                     Profession: Fully qualified Economist

                                    Marital status: married

 Manager:

                                    Carsten Scherff

                                    Fontanestr. 5

                                    D 49525 Lengerich

                                     born: 05.07.1963

 Manager:

                                    Uwe Aßmuth

                                     D 70825 Korntal-Münchingen

                                     born: 18.09.1959

 Proxy:

                                    Thomas Müllerleile

                                     In der Au 26

                                     D 76307 Karlsbad

                                     authorized to jointly represent the company

                                    born: 17.10.1957

                                    Profession: Fully qualified merchant

 Proxy:

                                    Karl-Heinz Sprenger

                                    D 89073 Ulm

                                    authorized to jointly represent the company

                                    born: 22.05.1951

 

 Further functions/participations of Christian Reh (Manager)

 Manager:

                                    Krempel Beteiligungsgesellschaft mit

                                    beschränkter Haftung

                                     Papierfabrikstr. 4

                                     D 71665 Vaihingen

                                    Legal form: Private limited company

                                    Share capital:     EUR             30,000.00

                                    Registered on:         20.04.1967

                                    Reg. data:  70190 Stuttgart, HRB 290420

 Manager:

                                    EIT Electric Insulation Trading GmbH

                                    Rheinstahlstr. 3

                                    D 70469 Stuttgart

                                    Legal form: Private limited company

                                    Share capital:     EUR             30,000.00

                                    Registered on:         09.07.1997

                                    Reg. data:  70190 Stuttgart, HRB 290748

 

 Further functions/participations of Carsten Scherff (Manager)

 Manager:

                                    Krempel Beteiligungsgesellschaft mit

                                    beschränkter Haftung

                                     Papierfabrikstr. 4

                                    D 71665 Vaihingen

                                     Legal form: Private limited company

                                    Share capital:     EUR             30,000.00

                                    Registered on:         20.04.1967

                                    Reg. data:  70190 Stuttgart, HRB 290420

 

 Further functions/participations of Uwe Aßmuth (Manager)

 Manager:

                                     Krempel Beteiligungsgesellschaft mit

                                    beschränkter Haftung

                                    Papierfabrikstr. 4

                                    D 71665 Vaihingen

                                    Legal form: Private limited company

                                    Share capital:     EUR             30,000.00

                                    Registered on:         20.04.1967

                                    Reg. data:  70190 Stuttgart, HRB 290420

 

 

 COMPANY HISTORY

 

 18.12.2007 - 04.03.2008            Halde 234 Verwaltungsgesellschaft mbH

                                                Sommerhalde 33

                                                D 89081 Ulm

                                                Private limited company

 04.03.2008 - 18.12.2008            Halde 234 Verwaltungsgesellschaft mbH

                                                              (bis 18.12.2008)

                                                Papierfabrikstr. 4

                                                             D 71665 Vaihingen

                                                Private limited company

 

 

 RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 05.01.2009 - 11.07.2014            Manager

                                                Dr. Ulrich Schmidt

                                                            D 71701 Schwieberdingen

 03.01.2008 - 16.01.2014            Manager

                                                Joachim Lang

                                                D 89081 Ulm

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 22210   Manufacture of plastic plates, sheets, tubes and profiles

 

 Secondary industrial sector

 4675    Wholesale of chemical products

 

 

 

 BRANCHES AND FACTORIES

 

 Branch:

                                    KREMPEL GMBH

                                     Am Kanaldamm 17

                                    D 76456 Kuppenheim

 

 

 PARTICIPATIONS

 

 Limited partner:

                                    KREMPEL GMBH & CO. PRESSSPANWERK KG

                                    Bahnhofstr. 3

                                    D 09380 Thalheim

                                    Legal form: Ltd partnership with priv. ltd.

                                    company as general partner

                                    Company Status: active

                                     Total cap.         EUR          1,500,000.00

                                    contribution:

                                    Share:             EUR          1,500,000.00

                                    Reg. data:  01.03.1992

                                    Local court 09112 Chemnitz

                                    HRA 524

 Shareholder:

                                    August Krempel Söhne Verwaltungs- GmbH

                                    Bahnhofstr. 3

                                     D 09380 Thalheim

                                    Legal form: Private limited company

                                    Company Status: active

                                    Share capital:     EUR             30,000.00

                                    Share:             EUR             30,000.00

                                    . data:  11.02.1992

                                    Local court 09112 Chemnitz

                                    HRB 4216

 Shareholder:

                                    EIT Electric Insulation Trading GmbH

                                    Rheinstahlstr. 3

                                    D 70469 Stuttgart

                                     Legal form: Private limited company

                                    Company Status: active

                                    Share capital:     EUR             30,000.00

                                    Share:             EUR             30,000.00

                                    Reg. data:  09.07.1997

                                    Local court 70190 Stuttgart

                                    HRB 290748

 Shareholder:

                                    TEC Spezialpapiere GmbH

                                    Rheinstahlstr. 3

                                    D 70469 Stuttgart

                                    Legal form: Private limited company

                                    Company Status: active

                                    Share capital:     EUR             25,000.00

                                    Share:             EUR             25,000.00

                                    Reg. data:  27.06.2005

                                    Local court 70190 Stuttgart

                                    HRB 25438

 

 

FINANCIAL INFORMATION

 

The Solvency Rating[NG] and the balance sheet grade are generated on the basis of the calculation methodology of Euler Hermes.

 

 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                       Papierfabrikstr. 4

                                    D 71665 Vaihingen

 

 Type of ownership:        Tenant

 Address                       Am Kanaldamm 17

                                    D 76456 Kuppenheim

 

 Land register documents were not available.

 

 

BANKERS

 

 DEUTSCHE BANK, 70049 STUTTGART

 Sort. code: 60070070

 BIC: DEUTDESSXXX

 KREISSPARKASSE LUDWIGSBURG, 71606 LUDWIGSBURG, WÜRTT

 Sort. code: 60450050

 BIC: SOLADES1LBG

 LANDESBANK BADEN-WÜRTTEMBERG/BADEN-WÜRTTEMBERGISCHE BANK, 70144

 STUTTGART

 Sort. code: 60050101

 BIC: SOLADEST600

 

 

FINANCIAL FIGURES

 

 Turnover:                      2012                 EUR        157,749,124.00

                                    2013                 EUR        165,500,000.00

 Expected turnover:                                EUR        170,500,000.00

 Profit:                           2012                 EUR          2,292,890.00

 further business figures:

 Equipment:                                           EUR          2,461,703.00

 Ac/ts receivable:                                               EUR         46,078,124.00

 Liabilities:                                             EUR         51,030,336.00

 Employees:                                                                          466

 - thereof permanent staff:                                                        394

 - Trainees:                                                                                 25

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                        45.05

 Liquidity ratio:                           0.79

 Return on total capital [%]:       2.17

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                        48.85

 Liquidity ratio:                           0.86

 Return on total capital [%]:        10.69

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                        46.33

 Liquidity ratio:                           0.91

 Return on total capital [%]:        15.58

 

 Balance sheet ratios 01.01.2009 - 31.12.2009

 Equity ratio [%]:                        38.70

 Liquidity ratio:                           0.73

 Return on total capital [%]:       9.02

 

 

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        112,293,375.99

  Fixed assets                           EUR         38,753,611.51

   Intangible assets                     EUR            496,233.37

    Concessions, licences, rights        EUR            159,944.00

    Advance payments for intang. assets  EUR            336,289.37

   Tangible assets                       EUR         10,996,200.25

    Land / similar rights                EUR              4,489.00

    Plant / machinery                    EUR          8,210,160.00

    Other tangible assets / fixtures and

    fittings                             EUR          2,461,703.00

    Advance payments made / construction

    in progress                          EUR            319,848.25

   Financial assets                      EUR         27,261,177.89

    Shares in participations /

    subsidiaries and the like            EUR         22,870,221.84

     Shares in related companies         EUR         22,469,022.18

     Shares in investee companies        EUR            401,199.66

    Loans to participations /

    subsidiaries and the like            EUR          4,390,956.05

     Loans to related companies          EUR          4,390,956.05

  Current assets                         EUR         73,409,758.94

   Stocks                                EUR         26,441,488.57

    Raw materials, consumables and

    supplies                             EUR         12,643,943.47

    Finished goods / work in progress    EUR         13,749,444.12

    Advance payments made                EUR             48,100.97

   Accounts receivable                   EUR         46,078,123.94

    Amounts due from shareholders        EUR          6,447,137.23

    Trade debtors                        EUR         16,253,200.22

    Amounts due from related companies   EUR         20,201,902.51

    Other debtors and assets             EUR          3,175,883.98

   Liquid means                          EUR            890,146.43

  Remaining other assets                 EUR            130,005.54

   Accruals (assets)                     EUR            101,782.10

   Active difference from asset

   offsetting                            EUR             28,223.44

 

 LIABILITIES                             EUR        112,293,375.99

  Shareholders' equity                   EUR         54,135,460.57

   Capital                               EUR         20,000,000.00

    Subscribed capital (share capital)   EUR         20,000,000.00

   Reserves                              EUR          7,216,204.20

    Capital reserves                     EUR          7,216,204.20

   Balance sheet profit/loss (+/-)       EUR         26,919,256.37

    Balance sheet profit / loss          EUR         26,919,256.37

  Provisions                             EUR          7,127,579.50

   Pension provisions and comparable

   provisions                            EUR          4,239,262.00

   Provisions for taxes                  EUR             20,511.00

   Other / unspecified provisions        EUR          2,867,806.50

  Liabilities                            EUR         51,030,335.92

   Financial debts                       EUR         41,466,694.28

    Liabilities due to banks             EUR         41,466,694.28

   Other liabilities                     EUR          9,563,641.64

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          4,537,934.99

    Liabilities from received advance

    payments                             EUR            231,600.01

    Liabililties due to related companiesEUR          2,168,770.56

    Unspecified other liabilities        EUR          2,625,336.08

     thereof liabilities from tax /

     financial authorities               EUR            286,457.85

     thereof liabilities from social

     security                            EUR              6,067.78

  Guarantees and other commitments       EUR          7,736,000.00

   Liability from creation of a security

   interest for third parties            EUR          7,736,000.00

 

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

 Code (HGB)

  Sales                                  EUR        157,749,123.58

  Inventory change + own costs (+/-)     EUR         -6,884,851.88

   Inventory change (+/-)                EUR         -7,033,264.38

   Capitalised own costs                 EUR            148,412.50

  Other operating income                 EUR          1,649,217.25

  Cost of materials                      EUR        106,774,973.46

   Raw materials and supplies, purchased

   goods                                 EUR        105,493,494.16

   Purchased services                    EUR          1,281,479.30

  Gross result (+/-)                     EUR         45,738,515.49

  Staff expenses                         EUR         25,238,907.70

   Wages and salaries                    EUR         21,062,430.88

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          4,176,476.82

  Total depreciation                     EUR          1,333,611.78

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          1,333,611.78

  Other operating expenses               EUR         18,393,929.35

  Operating result from continuing

  operations                             EUR            772,066.66

  Result from participating interests

  (+/-)                                  EUR          2,226,256.95

   Expenses / income from participations EUR          2,226,256.95

    Income from related companies        EUR          2,226,256.95

  Interest result (+/-)                  EUR           -393,449.74

   Interest and similar income           EUR            681,909.17

    thereof from related companies       EUR            678,289.69

   Interest and similar expenses         EUR          1,075,358.91

  Other financial result                 EUR            106,184.91

   Income from securities and loans from

   financial assets                      EUR            106,184.91

  Financial result (+/-)                 EUR          1,938,992.12

  Result from ordinary operations (+/-)  EUR          2,711,058.78

  Income tax / refund of income tax (+/-)EUR           -347,524.49

  Other taxes / refund of taxes          EUR            -70,644.71

  Tax (+/-)                              EUR           -418,169.20

  Annual surplus / annual deficit        EUR          2,292,889.58

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR        108,784,961.42

  Fixed assets                           EUR         29,201,628.01

   Intangible assets                     EUR            376,615.00

    Concessions, licences, rights        EUR            176,615.00

    Advance payments for intang. assets  EUR            200,000.00

   Tangible assets                       EUR          8,977,363.18

    Land / similar rights                EUR              4,987.00

    Plant / machinery                    EUR          2,217,032.00

    Other tangible assets / fixtures and

    fittings                             EUR          1,707,241.00

    Advance payments made / construction

    in progress                          EUR          5,048,103.18

   Financial assets                      EUR         19,847,649.83

    Shares in participations /

    subsidiaries and the like            EUR         16,949,824.89

     Shares in related companies         EUR         16,548,625.23

     Shares in investee companies        EUR            401,199.66

    Loans to participations /

    subsidiaries and the like            EUR          2,897,824.94

     Loans to related companies          EUR          2,897,824.94

  Current assets                         EUR         79,401,610.23

   Stocks                                EUR         41,313,954.91

    Raw materials, consumables and

    supplies                             EUR         20,424,767.78

    Finished goods / work in progress    EUR         20,889,187.13

   Accounts receivable                   EUR         37,070,655.59

    Amounts due from shareholders        EUR          4,246,990.78

    Trade debtors                        EUR         19,069,453.43

    Amounts due from related companies   EUR         13,597,386.13

    Amounts due from investee companies  EUR             47,115.10

    Other debtors and assets             EUR            109,710.15

   Liquid means                          EUR          1,016,999.73

  Remaining other assets                 EUR            181,723.18

   Accruals (assets)                     EUR            155,215.14

   Active difference from asset

   offsetting                            EUR             26,508.04

 

 LIABILITIES                             EUR        108,784,961.42

  Shareholders' equity                   EUR         55,313,790.44

   Capital                               EUR         20,000,000.00

    Subscribed capital (share capital)   EUR         20,000,000.00

   Reserves                              EUR          7,216,204.20

    Capital reserves                     EUR          7,216,204.20

   Balance sheet profit/loss (+/-)       EUR         28,097,586.24

    Balance sheet profit / loss          EUR         28,097,586.24

  Provisions                             EUR         14,492,295.78

   Pension provisions and comparable

   provisions                            EUR          4,242,217.00

   Provisions for taxes                  EUR          5,404,620.28

   Other / unspecified provisions        EUR          4,845,458.50

  Liabilities                            EUR         38,978,875.20

   Financial debts                       EUR         31,309,073.00

    Liabilities due to banks             EUR         31,309,073.00

   Other liabilities                     EUR          7,669,802.20

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          5,324,414.12

    Liabilities from received advance

    payments                             EUR            138,358.04

    Liabililties due to related companiesEUR          1,081,264.26

    Unspecified other liabilities        EUR          1,125,765.78

     thereof liabilities from tax /

     financial authorities               EUR            284,591.69

     thereof liabilities from social

     security                            EUR              6,271.31

  Guarantees and other commitments       EUR          6,431,000.00

   Other guarantees and other commitmentsEUR          6,431,000.00

 

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

 Code (HGB)

  Sales                                  EUR        182,846,938.73

  Inventory change + own costs (+/-)     EUR          3,464,373.77

   Inventory change (+/-)                EUR          3,364,763.77

   Capitalised own costs                 EUR             99,610.00

  Other operating income                 EUR          4,727,218.44

  Cost of materials                      EUR        127,274,612.60

   Raw materials and supplies, purchased

   goods                                 EUR        125,772,245.01

   Purchased services                    EUR          1,502,367.59

  Gross result (+/-)                     EUR         63,763,918.34

  Staff expenses                         EUR         25,213,845.10

   Wages and salaries                    EUR         21,481,459.22

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          3,732,385.88

  Total depreciation                     EUR            799,415.13

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            799,415.13

  Other operating expenses               EUR         22,083,264.45

  Operating result from continuing

  operations                             EUR         15,667,393.66

  Result from participating interests

  (+/-)                                  EUR          1,702,702.77

   Expenses / income from participations EUR          1,702,702.77

  Interest result (+/-)                  EUR           -995,422.38

   Interest and similar income           EUR            230,615.55

    thereof from related companies       EUR            226,659.61

   Interest and similar expenses         EUR          1,226,037.93

  Other financial result                 EUR             79,861.52

   Income from securities and loans from

   financial assets                      EUR             79,861.52

    thereof related companies            EUR             79,861.52

  Financial result (+/-)                 EUR            787,141.91

  Result from ordinary operations (+/-)  EUR         16,454,535.57

  Income tax / refund of income tax (+/-)EUR         -5,203,660.11

  Other taxes / refund of taxes          EUR            -79,279.18

  Tax (+/-)                              EUR         -5,282,939.29

  Annual surplus / annual deficit        EUR         11,171,596.28

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.25

UK Pound

1

Rs.101.92

Euro

1

Rs.80.70

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

TPT

 

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.