MIRA INFORM REPORT

 

 

Report Date :

01.12.2014

 

IDENTIFICATION DETAILS

 

Name :

THERMO ONIX LIMITED

 

 

Formerly Known As :

ONIX PROCESS ANALYSIS LIMITED

 

 

Registered Office :

3rd Floor, 1 Ashley Road, Altrincham, Cheshire, WA14 2DT

 

 

Country :

United Kingdom

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

26.11.1996

 

 

Com. Reg. No.:

03284171

 

 

Legal Form :

Private limited with Share Capital

 

 

Line of Business :

  • Manufacture and sale of scientific instruments for analysis of gases.
  • Manufacture instruments for measuring.
  • Manufacture of electronic measuring, testing equipment, not for industrial process Control

 

 

No of Employees :

50

 

 

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)

United Kingdom

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

UNITED KINGDOM - ECONOMIC OVERVIEW

 

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

 

Source : CIA


Company identification

 

THERMO ONIX LIMITED

3RD FLOOR, 1 ASHLEY ROAD

ALTRINCHAM

CHESHIRE

WA14 2DT

United Kingdom

Telephone                     01606 548 700

Fax                               01606 548 711

Website

Company Number:        03284171

Foundation:                  26/11/1996

Status:                          Active - Accounts Filed

VAT No:                        N/A

 

 

Comments

 

No exact match CCJs are recorded against the company. Sales in the latest trading period increased 2.8% on the

previous trading period. Net Worth increased by 18.2% during the latest trading period. A 9.5% growth in Total Assets occurred during the latest trading period. Pre-tax profits increased by 25.6% compared to the previous trading period. The company saw an increase in their Cash Balance of 31.9% during the latest trading period. The audit report contains no adverse comments. No recent changes in directorship are recorded. The company is part of a group. The company has changed its registered address recently. The company was established over 17 years ago.

 

 

Basic information

 

Legal form

Private limited with Share Capital

 

Foundation

26/11/1996

 

Company No.

03284171

 

Previous Names

 

Date of Change                         Previous Name

21/11/2000                                ONIX PROCESS ANALYSIS LIMITED

06/04/1999                                V G GAS ANALYSIS LIMITED

06/02/1997                                GRADEWORK LIMITED

 


Shareholders

 

Name                           Currency          Number of shares         Share type                    Nominal value

ONIX HOLDINGS LTD    GBP                 1                                  ORDINARY                   1

Total Share Capital                                                                                                       GBP 1

 

Management

 

Directors                                                                                              

Name

Address:

Date of birth

Nationality

Appointment date

Mr Kevin Neil Wheeler

3rd Floor, 1 Ashley Road, Altrincham,

Cheshire WA14 2DT

24/12/1958

British

 

Ms Katie Rose Wright

3rd Floor, 1 Ashley Road, Altrincham,

Cheshire WA14 2DT

25/07/1982

British

 

Ms Lucie Mary Katja

Grant

3rd Floor, 1 Ashley Road, Altrincham,

Cheshire WA14 2DT

30/07/1976

British

 

 

Company Secretary

Name

Address:

Appointment date

Ms Nicola Jane Ward

Solaar House 19 Mercers Row, Cambridge CB5

8BY

 

OAKWOOD CORPORATE SECRETARY

LIMITED

3rd Floor 1 Ashley Road, Altrincham, Cheshire

WA14 2DT

 

01/11/2009

 

Other Known Addresses

 

3rd Floor 1, Ashley Road, Altrincham, Cheshire WA14 2DT

Factory One, Ion Path, Road Three, Winsford Industrial Estate, Winsford, Cheshire CW7 3GA

 

 

Company relationships

 

Company No.

Name

Status

Country

Ultimate parent

US33359467

THERMO FISHER FINANCIAL SERVICES INC

Active

USA

Affiliated companies

06368022

B.R.A.H.M.S. UK LTD

Active

United Kingdom

US11701160

COLE-PALMER INSTRUMENT CO

Active

USA

03214518

COLE-PARMER INSTRUMENT COMPANY

Active

United Kingdom

 

LIMITED

 

02603145

COMTEST LIMITED

Non Trading

United Kingdom

US22981479

DIONEXCORP

Active

USA

IE432207

DIONEX IRELAND LIMITED

Non Trading

Ireland

01478505

DIONEX (UK) LIMITED

Active

United Kingdom

06723590

ERIE UK 1 LIMITED

Active

United Kingdom

04170101

ERIE U.K. LIMITED

Active

United Kingdom

02456077

ADVANCED BIOTECHNOLOGIES LIMITED

Active

United Kingdom

05556241

ABGENE LIMITED

Active

United Kingdom

02849520

APOGENT UK LIMITED

Active

United Kingdom

01936982

NALGE (EUROPE) LIMITED

Non Trading

United Kingdom

03613196

MATRIX TECHNOLOGIES CORPORATION

Non Trading

United Kingdom

 

LIMITED

 

00962392

CHROMACOL LIMITED

Non Trading

United Kingdom

02759174

EPSOM GLASS INDUSTRIES LIMITED

Non Trading

United Kingdom

06723585

ERIE UK SENIOR HOLDING LIMITED

Active

United Kingdom

06095641

LAMBTRACK LIMITED

Non Trading

United Kingdom

06723576

ERIE UK2 LIMITED

Active

United Kingdom

04245812

REMEL EUROPE LIMITED

Active

United Kingdom

45050968200016

FISHER BIOBLOCK HOLDING S.A.S.

Non Trading

France

05281667

OXOID SENIOR HOLDINGS LIMITED

Non Trading

United Kingdom

341980290000

Fisher Scientific The Hague V B.V.

Active

Luxembourg

IE377494

FISHER SCIENTIFIC IRELAND HOLDING

Active

Ireland

03947481

FISHER SCIENTIFIC UK HOLDING COMPANY

Active

United Kingdom

 

LIMITED

 

 

02888275

FISHER SCIENTIFIC HOLDING U.K., LIMITED

Active

United Kingdom

 

00572076

ORME SCIENTIFIC LIMITED

Non Trading

United Kingdom

 

02883961

FISHER SCIENTIFIC U.K., LIMITED

Active

United Kingdom

 

05281656

FSUK HOLDINGS LIMITED

Active

United Kingdom

 

06512031

STERILIN LIMITED

Active

United Kingdom

 

02624883

DOUBLECAPE HOLDING LIMITED

Active

United Kingdom

 

01533608

I.Q. (BIO.)LIMITED

Non Trading

United Kingdom

 

02183692

OXOID (ELY)LIMITED

Non Trading

United Kingdom

 

02295433

DOUBLECAPE LIMITED

Non Trading

United Kingdom

 

IE436396

FISHER SCIENTIFIC IRELAND LIMITED

Active

Ireland

 

03977334

FISHER SCIENTIFIC UK HOLDING COMPANY2

Active

United Kingdom

 

05281630

FISHER CLINICAL SERVICES UK LIMITED

Active

United Kingdom

 

05565793

FISHER SCIENTIFIC OXOID HOLDINGS LTD

Active

United Kingdom

 

04572230

FISHER MAYBRIDGE HOLDINGS LIMITED

Active

United Kingdom

 

03438255

MAYBRIDGE CHEMICAL HOLDINGS LIMITED

Non Trading

United Kingdom

 

00713077

MAYBRIDGE LIMITED

Active

United Kingdom

 

03394243

MAYBRIDGE CHEMICAL COMPANY LIMITED

Non Trading

United Kingdom

 

05281644

FSIR HOLDINGS (UK) LIMITED

Active

United Kingdom

 

US23521493

LAB VISION CORP

Active

USA

 

03541967

LAB VISION (UK) LIMITED

Non Trading

United Kingdom

 

08201428

THERMO FISHER SCIENTIFIC ODYSSEY

Non Trading

United Kingdom

 

 

HOLDINGS LIMITED

 

 

03284153

CAC LIMITED

Non Trading

United Kingdom

 

03284221

THERMO MEASUREMENT LTD

Non Trading

United Kingdom

 

00880655

H.P.L.C. TECHNOLOGY COMPANY LIMITED

Pending

United Kingdom

 

03977331

OXOID 2000 LIMITED

Active

United Kingdom

 

03291574

OXOID HOLDINGS LIMITED

Active

United Kingdom

 

03291857

OXOID LIMITED

Active

United Kingdom

 

IE396732

OXOID LIMITED

Active

Ireland

 

SC117113

G. & M. PROCTER LIMITED

Active

United Kingdom

 

03292597

OXOID INTERNATIONAL LIMITED

Active

United Kingdom

 

03963529

OXOID PENSION TRUSTEE LIMITED

Non Trading

United Kingdom

 

5566642137

Perbio Science Sweden Holdings AB

Active

SE

 

03721319

HYCLONE UK LIMITED

Active

United Kingdom

 

01120337

PERBIO SCIENCE UK LIMITED

Active

United Kingdom

 

SC048114

RUSSELL PH LIMITED

Non Trading

United Kingdom

 

5560158882

Spectra-Physics AB

Active

SE

 

02151086

SPECTRA-PHYSICS HOLDINGS LIMITED

Active

United Kingdom

 

US43738813

THERMO BIOANALYSIS CORP

Non Trading

USA

 

03017989

THERMO BIOANALYSIS LIMITED

Non Trading

United Kingdom

 

03153083

THERMO FAST U.K. LIMITED

Non Trading

United Kingdom

 

03297822

THERMO PROJECTS LIMITED

Non Trading

United Kingdom

 

IE192923

EUROPEAN LABORATORY HOLDINGS

Active

Ireland

 

 

LIMITED

 

 

01417123

LIFE SCIENCES INTERNATIONAL LIMITED

Active

United Kingdom

 

00954017

COMDATASERVICES LIMITED

Pending

United Kingdom

 

01018174

THERMO RADIOMETRIE LIMITED

Non Trading

United Kingdom

 

01735858

THERMO ELECTRON LIMITED

Active

United Kingdom

 

02015834

HYBAID LIMITED

Non Trading

United Kingdom

 

02323529

THERMO ELECTRON WEIGHING &

Non Trading

United Kingdom

 

 

INSPECTION LIMITED

 

 

01338091

THERMO ALLEN CODING LIMITED

Non Trading

United Kingdom

 

02907543

THERMO SENTRON LIMITED

Non Trading

United Kingdom

 

02595732

THERMO OPTEK LIMITED

Active

United Kingdom

 

03153085

VG SYSTEMS LIMITED

Active

United Kingdom

 

05961474

THERMO CAMBRIDGE LIMITED

Active

United Kingdom

 

03120422

EQUIBIO LIMITED

Non Trading

United Kingdom

 

03153068

THERMO ELECTRON (MANAGEMENT

Active

United Kingdom

 

 

SERVICES) LIMITED

 

 

00600633

HELMET SECURITIES LIMITED

Active

United Kingdom

 

US15257698

THERMO QUEST CORP

Non Trading

USA

 

30112775900167

THERMO ELECTRON LEDSAS

Active

France

 

01904834

JOUAN LIMITED

Non Trading

United Kingdom

 

09215470

Thermo Fisher Scientific Oy

Active

Estonia

 

00330973

THERMO SHANDON LIMITED

Active

United Kingdom

 

00441506

THERMO ELECTRON MANUFACTURING

Active

United Kingdom

 

 

LIMITED

 

 

01130285

THERMO NICOLET LIMITED

Non Trading

United Kingdom

 

03132105

THERMO FINNIGAN LIMITED

Non Trading

United Kingdom

 

03153084

THERMO ELEMENTAL LIMITED

Non Trading

United Kingdom

 

03466934

THERMO HYPERSIL LTD

Non Trading

United Kingdom

 

04444128

G V INSTRUMENTS LIMITED

Non Trading

United Kingdom

 

01280852

RAYMONDA LAMB LIMITED

Non Trading

United Kingdom

 

01409585

KENDRO LABORATORY PRODUCTS LIMITED

Non Trading

United Kingdom

 

04325277

KENDRO CONTAINMENT & SERVICES LIMITED

Non Trading

United Kingdom

 

07112358

THERMO FISHER SCIENTIFIC HOLDINGS

Active

United Kingdom

 

 

EUROPE LIMITED

 

 

05018976

PHADIA LTD

Active

United Kingdom

 

03153082

THERMO FISHER SCIENTIFIC (CHINA)

Active

United Kingdom

 

 

HOLDING LIMITED

 

 

US12690625

THERMO INSTRUMENT SYSTEMS INC

Non Trading

USA

 

US30795704

THERMO LAB SYSTEMS INC

Non Trading

USA

 

04139837

INNAPHASE LIMITED

Non Trading

United Kingdom

 

00154522

GORING KERR DETECTION LIMITED

Non Trading

United Kingdom

 

02838807

THERMOSPECTRA LIMITED

Non Trading

United Kingdom

 

03705399

TREK HOLDING COMPANY LIMITED

Non Trading

United Kingdom

 

03962079

TREK HOLDING COMPANY II LIMITED

Non Trading

United Kingdom

 

02038515

TREK DIAGNOSTIC SYSTEMS LIMITED

Active

United Kingdom

 

Immediate parent

 

03449482

ONIX HOLDINGS LIMITED

Non Trading

United Kingdom

 

 

 

Business activities

 

Main activity

Principal Activity           Manufacture and sale of scientific instruments for analysis of gases.

SIC03                           Manufacture instruments for measuring.

SIC07                           Manufacture of electronic measuring, testing equipment, not for industrial process

Control

 

Economic data

 

Turnover and Employees

 

Date of Accounts

Turnover

Employees

31/12/2011

GBP 16,428,000

76

31/12/2012

GBP 14,386,000

53

31/12/2013

GBP 14,790,000

50

 

Supplementary data

 

Banks

 

Bank Name                                                                                                       Bank Branch Sort Code

BARCLAYS BANK PLC                                                                                     20-00-00

 

Auditor

 

Auditor name

PRICEWATERHOUSECOOPERS LLP

 

Events

 

Company history

Date

Action

30/11/2009

Annual Returns

14/08/2010

New Accounts Filed

14/08/2010

New Accounts Filed

08/12/2010

Annual Returns

03/01/2011

New Board Member Ms K.R. Wright appointed

10/01/2011

New Board Member Ms K.R. Wright appointed

06/10/2011

Change of Company Postcode

08/10/2011

New Accounts Filed

03/12/2011

Annual Returns

19/04/2012

Change of Company Postcode

20/04/2012

Mr J.R. Coley has left the board

23/04/2012

New Board Member Mr I.A. Moodie appointed

27/04/2012

New Board Member Mr I.A. Moodie appointed

06/10/2012

New Accounts Filed

06/10/2012

New Accounts Filed

01/12/2012

Annual Returns

13/02/2013

Mr I.A. Moodie has left the board

14/02/2013

New Board Member Ms L.M. Grant appointed

20/02/2013

New Board Member Ms L.M. Grant appointed

09/08/2013

New Accounts Filed

09/08/2013

New Accounts Filed

02/12/2013

Annual Returns

11/03/2014

Change in Reg. Office

11/03/2014

Change of Company Postcode

01/08/2014

New Accounts Filed

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

County Court Judgments (CCJs)

There are no County Court Judgments listed against this company

 

 

Accounts

 

Profit & Loss

 

31/12/2013

31/12/2012

31/12/2011

31/12/2010

 

52

52

52

52

 

GBP

GBP

GBP

GBP

 

Group: No

Group: No

Group: No

Group: No

Turnover

14,790,000

14,386,000

16,428,000

15,979,000

Export

12,570,000

12,415,000

13,298,000

10,854,000

Cost of Sales

9,335,000

9,540,000

11,215,000

10,966,000

Gross Profit

5,455,000

4,846,000

5,213,000

5,013,000

Wages And Salaries

2,160,000

2,177,000

2,358,000

2,684,000

Directors Emoluments

8,000

12,000

13,000

8,000

Operating Profit

3,013,000

2,291,000

2,703,000

2,415,000

Depreciation

53,000

68,000

88,000

128,000

Audit Fees

24,000

25,000

26,000

29,000

Interests Payments

0

0

0

0

Pre Tax Profit

3,047,000

2,426,000

5,149,000

2,504,000

Taxation

0

-73,000

-35,000

213,000

Profit After Tax

3,047,000

2,353,000

5,114,000

2,717,000

Dividends Payable

0

0

0

0

Retained Profit

3,047,000

2,353,000

5,114,000

2,717,000

 

Balance Sheet

 

31/12/2013

31/12/2012

31/12/2011

31/12/2010

 

52

52

52

52

 

GBP

GBP

GBP

GBP

 

Group: No

Group: No

Group: No

Group: No

Tangible Assets

2,061,000

2,062,000

2,112,000

2,235,000

Intangible Assets

157,000

244,000

331,000

417,000

Total Fixed Assets

2,218,000

2,306,000

2,443,000

2,652,000

Stock

761,000

757,000

660,000

549,000

Trade Debtors

1,375,000

2,667,000

2,932,000

3,449,000

Cash

25,820,000

19,581,000

16,798,000

13,524,000

Other Debtors

720,000

2,891,000

3,120,000

777,000

Miscellaneous Current Assets

0

0

0

0

Total Current Assets

28,676,000

25,896,000

23,510,000

18,299,000

Trade Creditors

256,000

267,000

379,000

643,000

Bank Loans and Overdraft

0

0

0

0

Other Short Term Finance

589,000

829,000

855,000

588,000

Miscellaneous Current Liabilities

870,000

955,000

943,000

1,032,000

Total Current Liabilities

1,715,000

2,051,000

2,177,000

2,263,000

Bank Loans and Overdrafts LTL

8,628,000

8,647,000

8,625,000

8,651,000

Other Long Term Finance

8,590,000

8,590,000

8,590,000

8,590,000

Total Long Term Liabilities

8,628,000

8,647,000

8,625,000

8,651,000

 

 

Capital & Reserves

 

31/12/2013

31/12/2012

31/12/2011

31/12/2010

 

52

52

52

52

 

GBP

GBP

GBP

GBP

 

Group: No

Group: No

Group: No

Group: No

Called UpShareCapital

0

0

0

0

 

P and L Account Reserve

20,551,000

17,504,000

15,151,000

10,037,000

 

Revaluation Reserve

0

0

0

0

 

Sundry Reserves

0

0

0

0

 

Shareholders Funds

20,551,000

17,504,000

15,151,000

10,037,000

 

 

Other Financial Items

 

31/12/2013

31/12/2012

31/12/2011

31/12/2010

 

52

52

52

52

 

GBP

GBP

GBP

GBP

 

Group: No

Group: No

Group: No

Group: No

Net Worth

20,394,000

17,260,000

14,820,000

9,620,000

Working Capital

26,961,000

23,845,000

21,333,000

16,036,000

Total Assets

30,894,000

28,202,000

25,953,000

20,951,000

Total Liabilities

10,343,000

10,698,000

10,802,000

10,914,000

Net Assets

20,551,000

17,504,000

15,151,000

10,037,000

 


Cash Flow

 

31/12/2013

31/12/2012

31/12/2011

31/12/2010

 

52

52

52

52

 

GBP

GBP

GBP

GBP

 

Group: No

Group: No

Group: No

Group: No

Net Cash Flow from Operations

0

0

0

0

Net Cash Flow before Financing

0

0

0

0

Net Cash Flow from Financing

0

0

0

0

Increase in Cash

6,239,000

2,783,000

3,274,000

1,598,000

 

Miscellaneous

 

31/12/2013

31/12/2012

31/12/2011

31/12/2010

 

52

52

52

52

 

GBP

GBP

GBP

GBP

 

Group: No

Group: No

Group: No

Group: No

 

 

 

 

Capital Employed

29,179,000

26,151,000

23,776,000

18,688,000

 

 

Financial Ratios

 

Name

31/12/2013

31/12/2012

31/12/2011

31/12/2010

Pre Tax Profit Margin

20.60 %

16.86%

31.34%

15.67%

Current Ration

16.72

12.63

10.80

8.09

Sales or Net Working Capital

0.55

0.60

0.77

1.00

Gearing

41.98%

49.40 %

56.93 %

86.19%

Equity

66.86 %

62.61 %

59.13%

48.88 %

Creditor Days

6.30

6.75

8.39

14.64

Debtor Days

33.84

67.48

64.96

78.56

Liquidity or Acid test

16.27

12.25

10.49

7.84

Return on Capital Employed

10.44%

9.27 %

21.65%

13.39%

Return on Total Assets Employed

9.86 %

8.60 %

19.83%

11.95 %

Current Debt Ratio

0.08 %

0.11 %

0.14%

0.22 %

Total Debt Ratio

0.50 %

0.61 %

0.71 %

1.08 %

Stock Turnover Ratio

5.14%

5.26 %

4.01 %

3.43 %

Return on Net Assets Employed

14.82%

13.85%

33.98 %

24.94 %

 

 

Remarks

 

Achieving good levels of turnover and profitability. The general financial position seems to be in order and good reserves have been built up. It is part of a large global group whose Revenue for 2013 amounted to USD 13.1 billion. There are 50 employees globally.

 

Activity: Manufacture and Sale of scientific instruments for analysis of gases.

 

Trading Address: Factory One, Road Three Ion Path Road Three Three Ion Path Winsford Cheshire CW7 3GA

 

Branches: Group operates Worldwide

 

Employees: 50

 

Bank: Barclays Bank PLC

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.97

UK Pound

1

Rs.97.37

Euro

1

Rs.77.16                              

 

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

Report Prepared by :

SMN

 

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

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NB

                                       New Business

 

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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.