MIRA INFORM REPORT

 

 

Report Date :

19.08.2014  

 

IDENTIFICATION DETAILS

 

Name :

MASCHINENFABRIK RIETER AG

 

 

Registered Office :

Klosterstrasse 20 8406 Winterthur/ZH

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

01.07.1952

 

 

Com. Reg. No.:

020.3.916.776-1 / 153459

 

 

Legal Form :

Company limited by shares

 

 

Line of Business :

Manufacture of machinery for textile, apparel and leather production

 

 

No. of Employees

1,300

 

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)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 

SWITZERLAND ECONOMIC OVERVIEW

 

Switzerland is a peaceful, prosperous, and modern market economy with low unemployment, a highly skilled labor force, and a per capita GDP among the highest in the world. Switzerland's economy benefits from a highly developed service sector, led by financial services, and a manufacturing industry that specializes in high-technology, knowledge-based production. Its economic and political stability, transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates also make Switzerland one of the world's most competitive economies. The Swiss have brought their economic practices largely into conformity with the EU's to enhance their international competitiveness, but some trade protectionism remains, particularly for its small agricultural sector. The fate of the Swiss economy is tightly linked to that of its neighbors in the euro zone, which purchases half of all Swiss exports. The global financial crisis of 2008 and resulting economic downturn in 2009 stalled export demand and put Switzerland in a recession. The Swiss National Bank (SNB) during this period effectively implemented a zero-interest rate policy to boost the economy as well as prevent appreciation of the franc, and Switzerland's economy began to recover in 2010. The sovereign debt crises currently unfolding in neighboring euro-zone countries pose a significant risk to Switzerland's financial stability and are driving up demand for the Swiss franc by investors seeking a safe-haven currency. The independent SNB has upheld its zero-interest rate policy and conducted major market interventions to prevent further appreciation of the Swiss franc, but parliamentarians have urged it to do more to weaken the currency. The franc's strength has made Swiss exports less competitive and weakened the country's growth outlook; GDP growth fell below 2% per year during 2011-13. Switzerland has also come under increasing pressure from individual neighboring countries, the EU, the US, and international institutions to reform its banking secrecy laws. Consequently, the government agreed to conform to OECD regulations on administrative assistance in tax matters, including tax evasion. The government has renegotiated its double taxation agreements with numerous countries, including the US, to incorporate the OECD standard, and is considering the possibility of imposing taxes on bank deposits held by foreigners. These steps will have a lasting impact on Switzerland's long history of bank secrecy

 

Source : CIA

 

 

 


Company name

 

Maschinenfabrik Rieter AG

 

 

Operating address

 

Klosterstrasse 20

8406 Winterthur/ZH

Switzerland/CH

 

Telephone:                    052 2087171

Fax:                             052 2087100

 

Web site:                      http://www.rieter.com

E-mail:                         info@rieter.com

 

WIN Worldbox No.:        CH0000045427

VAT-No.:                      CHE105788761

 

 

Profile

 

Established:                  1795

History:                        1795:      Established as J.J. Rieter Baumwoll- und Kolonialwarenhandel

Line of Business:           Machinery

Industry Division:           Manufacturing

Industry-code (NACE):   2894       Manufacture of machinery for textile, apparel and leather production

Import/Export:               Export

Banks:                         UBS Ltd

                                    CS Credit Suisse

 

 

Operational Figures

 

Coverage:                     Company

Figures:                        approximately

Employees:                  1,300

Sales:                          CHF 280,000,000.--

 


 

Activity

 

Rieter is a leading supplier on the world market for textile machinery and components used in short staple fiber spinning. The company develops and manufactures systems, machinery and technology components used to convert natural and manmade fibers and their blends into yarns. Rieter is the only supplier worldwide to cover spinning preparation processes as well as all four final spinning processes currently established on the market. The company has 18 manufacturing locations in 10 countries.

 

 

Real Estate

 

Real Estate:                  The company owns extensive property.

 

 

Company Register

 

Company No:                020.3.916.776-1 / 153459

Legal form:                    Company limited by shares

Registration:                 01.07.1952

Legal status:                 active

Responsible Register:    Handelsregister des Kantons Zürich (since 07.05.1985)

History:                        Date of Statutes: 31.03.2009

                                    Date of Statutes: 30.10.2008

                                    Date of Statutes: 10.03.2004

                                    Date of Statutes: 21.08.1995

                                    Date of Statutes: 29.04.1985

 

Entry          Deleted      Name

active                           Maschinenfabrik Rieter AG

active                           Rieter Machine Works Ltd (Name translated)

active                           Ateliers de Construction Rieter SA (Name translated)

active                           Fabbrica di Macchine Rieter SA (Name translated)

active                           Fàbrica de Máquinas Rieter SA (Name translated)

 

Entry          Deleted      Legal domicile

active                           Winterthur, Switzerland

 

Entry          Deleted      Address

active                           Klosterstrasse 20, 8406 Winterthur/ZH, Switzerland/CH

 

Entry          Deleted      Capital

09.07.2004                    Share Capital CHF 8,500,000, paidup CHF 8,500,000

 

Entry          Deleted      Capital Structure

09.07.2004                    85,000 Registered shares of CHF 100.--

 

Official Administration

 

Title                                           Name

President                                    Joris Gröflin-Liebherr, Origin: Basel, Switzerland, Residential address: 8000 Zürich/ZH, Switzerland, joint signature of two, Registered since: 28.06.2011

Director                                       Thomas Anwander, Origin: Winterthur, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, born: 19.02.1960, joint signature of two

Director                                       Peter Müller, Origin: Rohrbach, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, joint signature of two

 

 

Management

 

Title                                           Name

Member with signing authority       Markus Bischof, Origin: Eggersriet, Switzerland, Residential address: Kaltbrunn, Switzerland, joint signature of two, Registered since: 02.02.2012

Member with signing authority       Troy Michael Cooley, Origin: Germany, Residential address: Aristau, Switzerland, joint signature of two, Registered since: 26.06.2012

Member with signing authority       Martin Deflorin, Origin: Disentis/Mustér, Switzerland, Residential address: Stäfa/ZH, Switzerland, joint signature of two, Registered since: 02.02.2012

Member with signing authority       Alper Düzel, Origin: Winterthur, Switzerland, Residential address: Winterthur, Switzerland, joint signature of two, Registered since: 24.08.2012

Member with signing authority       David H. Gehring, Origin: Buchberg, Switzerland, Residential address: Winterthur, Switzerland, joint signature of two, Registered since: 29.07.2013

Member with signing authority       Niklaus Heimberg, Origin: Oberwil im Simmental, Switzerland, Residential address: Bannwil, Switzerland, joint signature of two, Registered since: 15.11.2011

Member with signing authority       Franz Hug, Origin: Germany, Residential address: Gottmadingen , Germany, joint signature of two, Registered since: 16.11.2012

Member with signing authority       René Meier, Origin: Baldingen, Switzerland, Residential address: Wiesendangen, Switzerland, joint signature of two, Registered since: 02.02.2012

Member with signing authority       Walter Merri, Origin: Arbon, Switzerland, Residential address: Gossau/SG, Switzerland, joint signature of two, Registered since: 05.11.2013

Member with signing authority       Andreas Parpan, Origin: Vaz/Obervaz, Switzerland, Residential address: Jenins, Switzerland, joint signature of two, Registered since: 20.03.2012

Member with signing authority       Fabio Patera, Origin: Zürich, Switzerland, Residential address: Rümlang/ZH, Switzerland, joint signature of two, Registered since: 05.06.2012

Member with signing authority       Patrick Senn, Origin: Wald BE, Switzerland, Residential address: Schalunen, Switzerland, joint signature of two, Registered since: 24.08.2012

Member with signing authority       Thomas Speck, Origin: Appenzell, Switzerland, Residential address: Lachen, Switzerland, joint signature of two, Registered since: 23.07.2012

Member with signing authority       Alexander Stampfer, Origin: Germany, Residential address: Ingoldstadt, Germany, joint signature of two, Registered since: 11.10.2012

Member with signing authority       Thomas Stäubli, Origin: Magden, Switzerland, Residential address: Magden, Switzerland, joint signature of two, Registered since: 19.08.2011

Member with signing authority       Werner Strasser, Origin: Nussbaumen, Winterthur, Switzerland, Residential address: Steckborn, Switzerland, joint signature of two

Member with signing authority       Reto Thom, Origin: Susch, Switzerland, Residential address: Seuzach, Switzerland, born: 04.01.1959, joint signature of two

Member with procuration              Nicole Balhuber, Origin: Zürich, Switzerland, Residential address: 8000 Zürich/ZH, Switzerland, joint power of attorney of two, Registered since: 14.02.2011

Member with procuration              Antonina Di Mario, Origin: Winterthur, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, joint power of attorney of two, Registered since: 11.09.2009

Member with procuration              Andreas Haase, Origin: Thalwil, Switzerland, Residential address: Thalwil, Switzerland, joint power of attorney of two, Registered since: 17.12.2013

Member with procuration              Rudolf Härdi, Origin: Schlossrued, Switzerland, Residential address: 5616 Meisterschwanden/AG, Switzerland, joint power of attorney of two, Registered since: 02.12.2009

Member with procuration              Nanette Susanne Haubensak, Origin: Germany, Residential address: 8001 Zürich/ZH, Switzerland, joint power of attorney of two, Registered since: 14.07.2010

Member with procuration              Marc Heim, Origin: Thun, Switzerland, Residential address: Nürensdorf, Switzerland, joint power of attorney of two, Registered since: 30.11.2010

Member with procuration              Björn Gunnar Johansson, Origin: Sweden, Residential address: 8400 Winterthur/ZH, Switzerland, joint power of attorney of two, Registered since: 30.11.2010

Member with procuration              Carsten Liske, Origin: Germany, Residential address: Freienbach , Switzerland, joint power of attorney of two, Registered since: 22.10.2009

Member with procuration              Kurt Lüttinger, Origin: Winterthur, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, joint power of attorney of two, Registered since: 24.03.2010

Member with procuration              Felix Scherrer, Origin: Zürich, Switzerland, Residential address: Zumikon, Switzerland, joint power of attorney of two, Registered since: 29.08.2011

Member with procuration              Heinz Schmid, Origin: Waltalingen, Switzerland, Residential address: Wil/SG, Switzerland, joint power of attorney of two, Registered since: 29.01.2009

Member with procuration              Peter Schulz, Origin: Germany, Residential address: Maxhütte-Haidhof, Germany, joint power of attorney of two, Registered since: 02.12.2009

Member with procuration              Reto Starkenmann, Origin: Winterthur, Switzerland, Residential address: 8478 Thalheim an der Thur/ZH, Switzerland, joint power of attorney of two, Registered since: 14.02.2011

Member with procuration              Gerlad Steiner, Origin: Sursee, Switzerland, Residential address: 8302 Kloten/ZH, Switzerland, joint power of attorney of two, Registered since: 24.03.2010

Member with procuration              Matthias Stüssi, Origin: Niederurnen, Switzerland, Residential address: 8451 Kleinandelfingen/ZH, Switzerland, joint power of attorney of two, Registered since: 02.02.2010

Member with procuration              Arne Thielemann, Origin: Germany, Residential address: Lengwil, Switzerland, joint power of attorney of two

Member with procuration              Urs Tschanz, Origin: Wichtrach, Switzerland, Residential address: 8239 Dörflingen/SH, Switzerland, joint power of attorney of two, Registered since: 28.06.2011

Member with procuration              Christoph Wäger, Origin: Adliswil, Switzerland, Residential address: 9100 Herisau/AR, Switzerland, joint power of attorney of two, Registered since: 28.06.2011

Member with procuration              Edda Walraf, Origin: Oberhelfenschwil, Switzerland, Residential address: Pfäffikon/ZH, Switzerland, joint power of attorney of two

Member with procuration              Andreas Zanini, Origin: Sarmenstorf, Switzerland, Residential address: Embrach, Switzerland, joint power of attorney of two

Member with procuration              Rolf Zimmermann, Origin: Elsau, Switzerland, Residential address: Schwerzenbach, Switzerland, joint power of attorney of two, Registered since: 29.01.2009

 

 

External Positions

 

Title                                           Name

Auditor                                        PricewaterhouseCoopers AG, Residential address: Zürich, Switzerland, Id: CHE-106.839.438

 

 

Executive board

 

Title                                           Name

Chief Financial Officer                  Peter Müller

Chief Marketing Officer                 Edda Walraf

 

 

Financial Data Rieter Group

 

Consolidation:               consolidated

Industry:                       Trade/Industry

 

Fiscal year end:                                     31.12.2013        31.12.2012        31.12.2011        31.12.2010        31.12.2009

Number of months:                                       12                    12                    12                    12                    12

Currency:                                                 th. CHF             th. CHF            th. CHF             th. CHF            th. CHF

Statement norm:                                          IAS                   IAS                  IAS                   IAS                  IAS

 

 

Balance Sheet

 

Intangible fixed assets                                 25,600.0           20,100.0             9,500.0           15,200.0           23,000.0

Land and buildings                                     133,400.0          133,200.0         118,600.0          232,400.0         264,100.0

Other tangible fixed assets                         128,700.0          125,100.0         109,000.0          373,700.0         431,900.0

Tangible fixed assets                                 262,100.0          258,300.0         227,600.0          606,100.0         696,000.0

Financial fixed assets                                    2,900.0             2,700.0           78,400.0          175,600.0         164,000.0

other fixed assets                                        80,500.0           75,200.0             6,500.0             5,300.0             3,500.0

Fixed assets                                             371,100.0          356,300.0         322,000.0          802,200.0         886,500.0

Stocks                                                      233,000.0          229,300.0         234,800.0          328,400.0         266,000.0

Trade accounts receivable                            94,100.0           91,100.0           84,100.0          381,500.0         331,500.0

Liquid assets                                             360,800.0          342,600.0         408,300.0          351,900.0         217,700.0

Securities                                                     8,900.0             9,300.0             7,300.0             7,100.0           13,000.0

other trade accounts                                    40,900.0           36,900.0           49,200.0           86,200.0           92,400.0

Accruals                                                       5,200.0             4,600.0             5,700.0           11,800.0             7,000.0

Other current assets                                  415,800.0          393,400.0         470,500.0          457,000.0         330,100.0

Current assets                                           742,900.0          713,800.0         789,400.0       1,166,900.0         927,600.0

Total assets                                           1,114,000.0       1,070,100.0       1,111,400.0       1,969,100.0       1,814,100.0

 

Capital                                                        23,400.0           23,400.0           23,400.0           23,400.0           23,400.0

Other shareholders funds                            365,800.0          348,400.0         355,900.0          533,500.0         563,800.0

Total shareholders equity                            389,200.0          371,800.0         379,300.0          556,900.0         587,200.0

Minority interests                                             500.0             5,000.0             8,400.0           70,700.0           68,600.0

long term debt (financial debts)                   183,600.0          249,600.0         253,500.0          296,300.0         140,700.0

Provisions                                                 104,500.0          104,700.0         104,300.0          180,700.0         182,200.0

Other non current liabilities                           32,900.0           32,400.0           42,300.0           80,100.0           76,400.0

Non current liabilities                                  321,000.0          386,700.0         400,100.0          557,100.0         399,300.0

short term debt (financial debts)                    44,800.0             6,700.0             3,100.0           66,200.0           81,700.0

Trade accounts payable                               96,000.0           97,300.0         176,200.0          426,700.0         226,800.0

Provisions                                                   30,400.0           37,800.0           38,600.0           89,000.0         174,300.0

Accruals                                                     61,500.0           53,900.0           64,100.0          104,300.0         115,700.0

other accounts payable                              170,600.0          110,900.0           41,600.0           98,200.0         160,500.0

other current liabilities                                262,500.0          202,600.0         144,300.0          291,500.0         450,500.0

Current liabilities                                        403,300.0          306,600.0         323,600.0          784,400.0         759,000.0

Shareh. equity, min. interests + liabilities  1,114,000.0       1,070,100.0       1,111,400.0       1,969,100.0       1,814,100.0

 

 

Profit and loss account

 

Sales                                                                                                                            2,585,800.0       1,956,300.0

Reduction of proceeds                                                                                                        96,400.0           73,600.0

Net sales                                               1,035,300.0          888,500.0       1,060,800.0       2,489,400.0       1,882,700.0

Other operating revenue                               53,400.0           36,900.0           70,600.0           66,100.0          -36,200.0

Operating revenue                                   1,088,700.0          925,400.0       1,131,400.0       2,555,500.0       1,846,500.0

Cost of goods sold                                     525,400.0          412,100.0         497,800.0       1,213,200.0         885,100.0

Gross profit                                               563,300.0          513,300.0         633,600.0       1,342,300.0         961,400.0

Other operating expenses                           503,100.0          479,700.0         521,000.0       1,244,300.0       1,148,000.0

Operating result                                           60,200.0           33,600.0         112,600.0           98,000.0        -186,600.0

Interest revenues                                           1,800.0             1,800.0             6,900.0             2,800.0             4,000.0

other financial revenues                                  8,500.0           18,400.0           52,300.0                800.0                700.0

Financial income                                         10,300.0           20,200.0           59,200.0             3,600.0             4,700.0

Interest expenses                                        15,800.0           15,400.0           17,100.0           29,400.0           27,600.0

other financial expenses                                2,200.0             3,300.0           16,700.0             5,400.0             2,000.0

Financial expenses                                      18,000.0           18,700.0           33,800.0           34,800.0           29,600.0

Financial result                                            -7,700.0             1,500.0           25,400.0          -31,200.0          -24,900.0

Result before extraordinary items                  52,500.0           35,100.0         138,000.0           66,800.0        -211,500.0

Extraordinary income                                                                                151,000.0

Extraordinary Result                                            0.0                   0.0         151,000.0                   0.0                   0.0

Result before taxes                                      52,500.0           35,100.0         289,000.0           66,800.0        -211,500.0

Taxes                                                         15,100.0             8,600.0           19,000.0           25,200.0             6,000.0

Result before minority interests                     37,400.0           26,500.0         270,000.0           41,600.0        -217,500.0

minority interests                                         -2,000.0            -3,000.0             2,800.0           15,100.0             6,400.0

Result for the financial year                          39,400.0           29,500.0         267,200.0           26,500.0        -223,900.0

 

 

Cash flow

 

Depreciation                                                35,000.0           33,200.0           33,900.0          124,800.0         140,900.0

Cash flow                                                    72,400.0           59,700.0         303,900.0          166,400.0          -76,600.0

Cash flow from operating activities               107,700.0             9,300.0           10,100.0          106,100.0            -1,600.0

Investments in tangible fixed assets              55,000.0           81,600.0           57,300.0           98,200.0           61,700.0

Cash flow from investing activities                -46,600.0          -41,600.0          -21,500.0          -92,500.0          -33,200.0

Cash flow from financing activities                -40,000.0          -31,800.0           71,200.0          129,300.0          -27,800.0

Others                                                         -2,900.0            -1,600.0            -3,400.0            -8,700.0            -2,300.0

Change in liquidity                                       18,200.0          -65,700.0           56,400.0          134,200.0          -64,900.0

Liquidity at beginning of the year                 342,600.0          408,300.0         351,900.0          217,700.0         282,600.0

Liquidity at end ot the year                         360,800.0          342,600.0         408,300.0          351,900.0         217,700.0

 

 

Notes

 

Material costs                                           525,400.0          412,100.0         497,800.0       1,213,200.0         885,100.0

Cost of employees                                     296,700.0          278,900.0         302,300.0          764,700.0         693,000.0

Research and Development                          45,000.0           42,700.0           39,500.0           93,900.0           98,700.0

Orders received                                       1,259,400.0          839,700.0         958,300.0       3,170,000.0       1,935,100.0

Added value                                              400,000.0          362,600.0         642,300.0          985,700.0         650,000.0

Working Capital                                         231,100.0          223,100.0         142,700.0          283,200.0         370,700.0

Sales per Employee                                         286.9                250.8                213.1                194.4                147.5

Market capitalisation                                  963,700.0          736,700.0         653,200.0       1,565,800.0       1,084,500.0

Gross cost land and buildings                     271,100.0          270,000.0         257,000.0          495,600.0         543,700.0

Gross cost other tangible fixed assets         477,000.0          472,700.0         473,000.0       1,541,300.0       1,774,200.0

Gross cost total                                         748,100.0          742,700.0         730,000.0       2,036,900.0       2,317,900.0

Insurance value land and buildings               566,400.0          540,900.0         539,800.0       1,024,200.0       1,353,400.0

 

Employees  at year end                                    3,609                3,542                4,695              12,804              12,761

Employees inland                                                                                                                   1,536                1,660

Employees abroad                                                                                                                11,268              11,101

 

 

Ultimate Parent Company

 

Name:                          Rieter Holding AG

City/Country:                 Winterthur/ZH, Switzerland/CH

 


 

Owner/-s

 

No. of Owner/-s:            1

Owner:                         The company is domestic owned.

 

Class:                          100%

Type:                            indirect, Group-Level 1

Name:                          Rieter Holding AG

City/Country:                 Winterthur/ZH, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest

 

 

Investments

 

It is believed that the company has no investments.

 

 

Financials

 

Balance sheet publication:

The subject company does not publish balance sheet or turnover figures.

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

17.10.2013          2013                           1                         87.--      Legal actions

17.10.2013          2012                           0

17.10.2013          2011                           0

17.10.2013          2010                           1                     4,740.--      Legal actions

17.10.2013          2009                           1                   59,597.--      Legal actions

17.10.2013          2008                           0

Official bankruptcy reports:

No bankruptcy publications available on the subject.

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 


 

Credit Information

 

Financial Statements:    The company does not disclose any financial statements. Third parties are not permitted any insight into the financial affairs. It is therefore difficult to make a proper assessment of the actual situation.

 

Financial Situation:        The financial situation is good.

 

Payment experiences:   Payment habits are considered good.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.06

UK Pound

1

Rs.101.84

Euro

1

Rs.81.56

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

NIS

 

               

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.