MIRA INFORM REPORT
|
Report Date : |
02.12.2014 |
IDENTIFICATION DETAILS
|
Name : |
EURAL GNUTTI S.P.A. |
|
|
|
|
Registered Office : |
Via S. andrea, 3, 25038- Rovato
(BS) |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2013 |
|
|
|
|
Date of Incorporation : |
28.06.1967 |
|
|
|
|
Legal Form : |
Joint Stock Company |
|
|
|
|
Line of Business : |
· Engaged in production of Profiles, Extruded & Drawn Bars in Aluminium Alloys ·
Engaged in Supplying of Automotive, Pneumatic, Actuator, Hydraulic,
Heat Dissipation & Electronics · Engaged in Iron metallurgy - Manufacturer of iron, steel and ferro-alloys · Engaged in Production of aluminium and Semi-Finished Products · Engaged as Wholesaler of Non-Ferrous Metals and Semi-Finished Products |
|
|
|
|
No of Employees : |
423 |
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 : |
Slow but Correct |
|
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) |
|
Italy |
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
Italy ECONOMIC OVERVIEW
Italy has a diversified industrial
economy, which is divided into a developed industrial north, dominated by
private companies, and a less-developed, highly subsidized, agricultural south,
where unemployment is higher. The Italian economy is driven in large part by
the manufacture of high-quality consumer goods produced by small and
medium-sized enterprises, many of them family-owned. Italy also has a sizable
underground economy, which by some estimates accounts for as much as 17% of
GDP. These activities are most common within the agriculture, construction, and
service sectors. Italy is the third-largest economy in the euro-zone, but its
exceptionally high public debt and structural impediments to growth have
rendered it vulnerable to scrutiny by financial markets. Public debt has
increased steadily since 2007, topping 133% of GDP in 2013, but investor
concerns about Italy and the broader euro-zone crisis eased in 2013, bringing
down Italy's borrowing costs on sovereign government debt from euro-era. The
government still faces pressure from investors and European partners to sustain
its efforts to address Italy's long-standing structural impediments to growth,
such as labor market inefficiencies and widespread tax evasion. In 2013
economic growth and labor market conditions deteriorated, with growth at -1.8%
and unemployment rising to 12.4%, with youth unemployment around 40%. Italy's
GDP is now 8% below its 2007 pre-crisis level.
|
Source : CIA |
Company
name & address
Eural Gnutti S.p.a.
Via S.andrea, 3
25038 - Rovato (BS) -IT-
Summary
|
Fiscal Code |
: |
00481190171 |
|
Legal Form |
: |
Joint stock company |
|
start of Activities |
: |
28/06/1967 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
over 129.114.224 |
|
Number of Employees |
: |
423 |
Activity
· Engaged in production of Profiles, Extruded & Drawn Bars in Aluminium Alloys
·
Engaged in Supplying of Automotive, Pneumatic, Actuator, Hydraulic,
Heat Dissipation & Electronics
· Engaged in Iron metallurgy - Manufacturer of iron, steel and ferro-alloys
· Engaged in Production of aluminium and Semi-Finished Products
· Engaged as Wholesaler of Non-Ferrous Metals and Semi-Finished Products
Legal
Data
Legal Form : Joint stock company
|
Fiscal Code : 00481190171 |
|
Foreign Trade Reg. no. : BS004629 since
09/12/1991 |
|
Foreign Trade Reg. no. : 004629 of Brescia
since 09/12/1991 |
|
Chamber of Commerce no. : 162925 of
Brescia since 02/02/1968 |
|
Firms' Register : BS029-10681 of Brescia
since 19/02/1996 |
|
V.A.T. Code : 00566100988 |
|
Tribunal Co. Register : 10681 of |
|
Foundation date |
: 28/06/1967 |
|
|
Establishment date |
: 28/06/1967 |
|
|
Start of Activities |
: 28/06/1967 |
|
|
Legal duration |
: 31/12/2050 |
|
|
Nominal Capital |
: 10.000.000 |
|
|
Subscribed Capital |
: 10.000.000 |
|
|
Paid up Capital |
: 10.000.000 |
Members
|
|
Gnutti |
Sergio |
|
|
Born in Lumezzane |
(BS) |
on 14/03/1949 |
- Fiscal Code : GNTSRG49C14E738U |
|
|
Residence: |
Varisco |
, 31/B |
- 25123 |
Brescia |
(BS) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Board Chairman |
30/05/2014 |
||
|
Managing Director |
30/05/2014 |
||
|
Director |
30/05/2014 |
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Gnutti |
Giuliano |
|
|
Born in Lumezzane |
(BS) |
on 21/03/1937 |
- Fiscal Code : GNTGLN37C21E738Z |
|
|
Residence: |
Cipani |
, 2 |
- 25128 |
Brescia |
(BS) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Managing Director |
30/05/2014 |
||
|
Director |
30/05/2014 |
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Gnutti |
Rosanna |
|
|
Born in Lumezzane |
(BS) |
on 29/06/1941 |
- Fiscal Code : GNTRNN41H69E738H |
|
|
Residence: |
Pasotti |
, 15 |
- 25123 |
Brescia |
(BS) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
30/05/2014 |
|
|
Gazzoli |
Stefano |
|
|
Born in Brescia |
(BS) |
on 19/05/1970 |
- Fiscal Code : GZZSFN70E19B157W |
|
|
Residence: |
Luigi Manenti |
, 3 |
- 25046 |
Cazzago San Martino |
(BS) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Institor |
17/12/2008 |
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Repossi |
Paolo |
|
|
Born in Chiari |
(BS) |
on 22/11/1968 |
- Fiscal Code : RPSPLA68S22C618D |
|
|
Residence: |
S.bernardino |
, 16/A |
- 25032 |
Chiari |
(BS) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Institor |
25/06/2003 |
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Gnutti |
Elena |
|
|
Born in Brescia |
(BS) |
on 29/04/1967 |
- Fiscal Code : GNTLNE67D69B157A |
|
|
Residence: |
Fatebenefratelli |
, 9 |
- 20100 |
Milano |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
30/05/2014 |
||
|
Procurator |
12/12/2011 |
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Gnutti |
Paola |
|
|
Born in Brescia |
(BS) |
on 10/07/1968 |
- Fiscal Code : GNTPLA68L50B157N |
|
|
Residence: |
Alfredo Oriani |
, 13 |
- 25100 |
Brescia |
(BS) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
30/05/2014 |
||
|
Procurator |
12/12/2011 |
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Gnutti |
Maria |
|
|
Born in Lumezzane |
(BS) |
on 16/05/1938 |
- Fiscal Code : GNTMRA38E56E738T |
|
|
Residence: |
S. Antonio |
, 68/C |
- 25128 |
Brescia |
(BS) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
30/05/2014 |
Companies
connected to members *
*checkings have been performed on a national
scale.
In this module are listed the companies in
which members hold or have holded positions.
|
|
Gnutti |
Sergio |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Edra S.p.a. |
Pontevico (BS) - IT - |
00641700174 |
Sole Director |
Withdrawn |
Ceased |
|
Oreal S.r.l. |
Brescia (BS) - IT - |
01473200176 |
Vice-Chairman |
Withdrawn |
Ceased |
|
Europa S.r.l. |
Brescia (BS) - IT - |
01862280177 |
Liquidator |
Withdrawn |
Ceased |
|
|
Gnutti |
Giuliano |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Gnutti Carlo S.p.a. |
Maclodio (BS) - IT - |
01272680172 |
Director |
Withdrawn |
Registered |
|
Gnutti Carlo Spa |
Villa Carcina (BS) - IT - |
00285300174 |
Director |
Withdrawn |
Ceased |
|
Oreal S.r.l. |
Brescia (BS) - IT - |
01473200176 |
Chairman |
Withdrawn |
Ceased |
|
Oreal S.r.l. |
Brescia (BS) - IT - |
01473200176 |
Liquidator |
Withdrawn |
Ceased |
The indication "REGISTERED" as
Firm Status could refer to Firms in Liquidation, Active, Inactive, etc.
For more information, in this case, we
advise to request further investigations.
Capital
Shareholders
Shareholders' list as at date of data
collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Gnutti Sergio |
Brescia - IT - |
GNTSRG49C14E738U |
4.448.320 .Eur |
44,48 |
|
Gnutti Giuliano |
Brescia - IT - |
GNTGLN37C21E738Z |
1.148.320 .Eur |
11,48 |
|
Gnutti Silvia |
GNTSLV65R57B157C |
1.100.000 .Eur |
11,00 |
|
|
Rossetti Alessandra |
RSSLSN74P66B157M |
275.840 .Eur |
2,75 |
|
|
Cei Alberto |
CEILRT74H16F205N |
551.680 .Eur |
5,51 |
|
|
Rossetti Marina |
RSSMRN71R66B157L |
275.840 .Eur |
2,75 |
|
|
Gnutti Elena |
Milano - IT - |
GNTLNE67D69B157A |
1.100.000 .Eur |
11,00 |
|
Gnutti Paola |
Brescia - IT - |
GNTPLA68L50B157N |
1.100.000 .Eur |
11,00 |
Direct
Participations
The Company under review has participations in
the following Companies:
|
Firm's Style |
Seat |
Fiscal Code |
Owned Shares
Amount |
% Ownership |
since |
until |
Share Status |
|
Societa' Consortile Per Le Ricerche Ambi
entali Per La Metallurgia S.r.l. |
Brescia - IT - |
02695550984 |
1.000 .Eur |
3,33 |
Active |
Firm's
location and structure
In order to carry out its activities the
firm uses the following locations:
|
- |
Legal and
operative seat |
|
S.andrea |
, 3 |
- 25038 |
- Rovato |
(BS) |
- IT - |
|
PHONE |
: 0307725011 |
|
- |
Branch |
(Factory) |
since 31/10/1985 |
|
Enrico Mattei |
, 10 |
- 25026 |
- Pontevico |
(BS) |
- IT - |
|
PHONE |
: 0309307321 |
|
Employees |
: 423 |
|
Fittings and Equipment for a value of
37.150.000 |
Eur |
|
Stocks for a value of 69.790.000 |
Eur |
Trade organization: direct or by agents.
Transports are mainly done using own
vehicles and third parties ones
The company 's mainly customers are
companies.
To purchase foreign products the firm uses
the following channels :
|
- distributors |
|
- its own agents |
|
- direct orders to foreign companies |
Export represents from 20% to 50% of the
global turnover.
Products abroad are placed by :
|
- importers |
|
- its own agents |
|
- direct orders from foreign companies |
Subject generally proposes terms of sale
between 30 and 60 days.
Main sales modalities: issue cheques and
bank transfers.
Purchase terms: 60-90-120 days.
Main used payment modalities are by cash
orders and bank transfers.
Import comes generally from the following
nations:
|
- Austria |
|
- Poland |
|
- Italy |
|
- France |
|
- Belgium |
|
- Great Britain |
|
- Germany |
|
- Ireland |
Export is mainly towards:
|
- Austria |
|
- Italy |
|
- France |
|
- Belgium |
|
- Great Britain |
|
- Germany |
|
- Ireland |
Historical Information and/or Firm's Status
CHANGES TO THE
LEGAL FORM:
|
Former legal form |
New legal form |
Changement Date |
|
Limited partnership |
Joint stock company |
06/12/1978 |
EX-MEMBERS / EX-POSITIONS:
|
|
Gnutti |
Sergio |
|
|
Born in Lumezzane |
(BS) |
on 14/03/1949 |
- Fiscal Code : GNTSRG49C14E738U |
|
|
Residence: |
Varisco |
, 31/B |
- 25123 |
Brescia |
(BS) |
- IT - |
|
Ex-Postions |
|
Chairman |
|
|
Gnutti |
Giuliano |
|
|
Born in Lumezzane |
(BS) |
on 21/03/1937 |
- Fiscal Code : GNTGLN37C21E738Z |
|
|
Residence: |
Cipani |
, 2 |
- 25128 |
Brescia |
(BS) |
- IT - |
|
Ex-Postions |
|
Managing Director |
|
|
Minervini |
Vittoria |
|
|
Born in Brescia |
(BS) |
on 04/11/1965 |
- Fiscal Code : MNRVTR65S44B157D |
|
|
Residence: |
S.urbano |
, 6 |
- 25121 |
Brescia |
(BS) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Fortina |
Francesco |
|
|
Born in Brescia |
(BS) |
on 15/09/1965 |
- Fiscal Code : FRTFNC65P15B157B |
|
|
Residence: |
Sant Urbano |
, 6 |
- 25121 |
Brescia |
(BS) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Cei |
Franco |
|
|
Born in MILANO |
(MI) |
on 30/09/1941 |
- Fiscal Code : CEIFNC41P30F205R |
|
|
Residence: |
PASOTTI |
, 15 |
- 25100 |
Brescia |
(BS) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Gnutti |
Maria Teresa |
|
|
Born in Lumezzane |
(BS) |
on 16/05/1938 |
- Fiscal Code : GNTMTR38E56E738Q |
|
|
Residence: |
S. Antonio |
, 68/C |
- 25128 |
Brescia |
(BS) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Valdisserri |
Francesco |
|
|
Born in Brescia |
(BS) |
on 25/12/1946 |
- Fiscal Code : VLDFNC46T25B157S |
|
|
Residence: |
Passo Moncenisio |
, 25 |
- 25100 |
Brescia |
(BS) |
- IT - |
|
Ex-Postions |
|
Institor |
|
|
Caravaggi |
Giuseppe |
|
|
Born in BRESCIA |
(BS) |
on 02/10/1939 |
- Fiscal Code : CRVGPP39R02B157E |
|
|
Residence: |
PUSTERIA |
, 26 |
- 25100 |
Brescia |
(BS) |
- IT - |
|
Ex-Postions |
|
Procurator |
|
Director |
|
|
Quaglia |
Alfredo |
|
|
Born in Botticino |
(BS) |
on 20/07/1942 |
- Fiscal Code : QGLLRD42L20B091P |
|
|
Residence: |
Moretto |
, 34 |
- 25080 |
Botticino |
(BS) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Piccinelli |
Ulderico |
|
|
Born in Breno |
(BS) |
on 04/06/1924 |
- Fiscal Code : PCCLRC24H04B149O |
|
|
Residence: |
Prati |
, 33 |
- 25086 |
Rezzato |
(BS) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
Protests
Protests checking on the subject firm has
given a negative result.
Data
Base Prejudicial Events Search
Search performed on a National Scale
|
|
Prejudicial
Events Search Result: NEGATIVE |
Search performed on a specialized data base.
Legal
Procedures
None reported, standing to the latest
received edition of the Official Publications.
Financial and Economical Analysis
Subject is active since 1967
The analysis is based on the latest 3
balance sheets.
During the last years, it recorded positive
net results (r.o.e. 2,73% in 2013) keeping the turnover steady during the last
two years.
The operating result was positive in the
last financial year (2,83%) falling within the field's average.
The amount of the operating result for the
year 2013 is of Eur. 4.487.079 on stable levels if compared to the previous
year.
During the latest financial year the gross
operating margin amounted to Eur. 16.762.997 stable if compared to the
financial year 2012.
The financial position is not well balanced
as the volume of debts is fairly remarkable if compared to shareholder's
equity, in fact total debts are 4,5 increasing as against 2012.
The management generated equity capital for
an amount of Eur. 19.992.651 , unchanged as opposed to the preceding year.
In the year 2013 total debts amounted to
Eur. 129.386.176 on the same levels as the year before.
The recourse to bank credit is high compared
to net worth, debts to suppliers are on the other hand limited which is also
lower than the sector average.
Payments are supported by good current
assets.
Accounts receivable average term is 42,14
days. , a value lower than the sector's average.
As far as the cash flow is concerned during
the latest financial year it amounted to Eur. 12.822.700
In the last financial year labour cost was
of Eur. 22.669.088, with a 12,62% incidence on total costs of production. ,
whereas the incidence of such costs on sales revenues is equal to 12,5%.
Limited financial charges in relation to
sales volume.
Financial
Data
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
181.376.487 |
|
Profit (Loss) for the period |
546.782 |
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
172.018.336 |
|
Profit (Loss) for the period |
1.548.242 |
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
234.154.093 |
|
Profit (Loss) for the period |
5.534.680 |
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
181.776.784 |
|
Profit (Loss) for the period |
1.357.649 |
|
|
Complete balance-sheet for the year |
al 31/12/2009 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
92.424.556 |
|
Profit (Loss) for the period |
18.185 |
Balance Sheets
From our constant monitoring of the relevant
Public Administration offices, no more recent balance sheets result to have
been filed.
|
- Balance Sheet
as at 31/12/2013 - 12 Mesi - Currency: - Amounts x 1 |
|
- Balance Sheet as
at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1 |
|
- Balance Sheet
as at 31/12/2011 - 12 Mesi - Currency: - Amounts x 1 |
|
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|
|
RATIOS |
Value Type |
as at 31/12/2013 |
as at 31/12/2012 |
as at 31/12/2011 |
Sector Average |
|
COMPOSITION ON
INVESTMENT |
|||||
|
Rigidity Ratio |
Units |
0,34 |
0,40 |
0,39 |
0,30 |
|
Elasticity Ratio |
Units |
0,65 |
0,60 |
0,60 |
0,68 |
|
Availability of stock |
Units |
0,44 |
0,40 |
0,41 |
0,21 |
|
Total Liquidity Ratio |
Units |
0,21 |
0,20 |
0,20 |
0,42 |
|
Quick Ratio |
Units |
0,04 |
0,03 |
0,02 |
0,01 |
|
COMPOSITION ON
SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
4,50 |
4,06 |
4,42 |
2,31 |
|
Self Financing Ratio |
Units |
0,13 |
0,13 |
0,13 |
0,21 |
|
Capital protection Ratio |
Units |
0,47 |
0,44 |
0,26 |
0,61 |
|
Liabilities consolidation quotient |
Units |
0,41 |
0,49 |
0,49 |
0,17 |
|
Financing |
Units |
6,47 |
5,99 |
6,45 |
3,62 |
|
Permanent Indebtedness Ratio |
Units |
0,38 |
0,42 |
0,41 |
0,36 |
|
M/L term Debts Ratio |
Units |
0,25 |
0,28 |
0,29 |
0,10 |
|
Net Financial Indebtedness Ratio |
Units |
5,01 |
4,76 |
5,19 |
1,42 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
1,11 |
1,03 |
1,05 |
1,11 |
|
Current ratio |
Units |
1,07 |
1,04 |
1,05 |
1,10 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,34 |
0,35 |
0,34 |
0,72 |
|
Structure's primary quotient |
Units |
0,37 |
0,34 |
0,32 |
0,81 |
|
Treasury's primary quotient |
Units |
0,07 |
0,05 |
0,03 |
0,02 |
|
Rate of indebtedness ( Leverage ) |
% |
792,83 |
742,44 |
785,87 |
468,75 |
|
Current Capital ( net ) |
Value |
6.300.532 |
3.532.803 |
4.544.684 |
525.922 |
|
RETURN |
|||||
|
Return on Sales |
% |
7,07 |
7,82 |
8,31 |
2,32 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
2,73 |
7,57 |
26,48 |
3,79 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
8,64 |
14,34 |
40,08 |
10,56 |
|
Return on Investment ( R.O.I. ) |
% |
2,83 |
3,56 |
5,54 |
3,84 |
|
Return/ Sales |
% |
2,47 |
3,14 |
3,89 |
3,06 |
|
Extra Management revenues/charges incid. |
% |
12,19 |
28,67 |
60,83 |
32,18 |
|
Cash Flow |
Value |
12.822.700 |
13.459.549 |
19.465.089 |
1.200.022 |
|
Operating Profit |
Value |
4.487.079 |
5.400.481 |
9.099.055 |
1.374.962 |
|
Gross Operating Margin |
Value |
16.762.997 |
17.311.788 |
23.029.464 |
2.131.798 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
42,14 |
43,01 |
40,78 |
85,05 |
|
Debts to suppliers average term |
Days |
44,00 |
49,57 |
36,96 |
89,46 |
|
Average stock waiting period |
Days |
138,52 |
126,64 |
102,67 |
47,61 |
|
Rate of capital employed return ( Turnover
) |
Units |
1,14 |
1,13 |
1,43 |
1,45 |
|
Rate of stock return |
Units |
2,60 |
2,84 |
3,51 |
7,34 |
|
Labour cost incidence |
% |
12,50 |
12,75 |
9,49 |
5,48 |
|
Net financial revenues/ charges incidence |
% |
-1,34 |
-1,87 |
-1,16 |
-1,06 |
|
Labour cost on purchasing expenses |
% |
12,62 |
13,12 |
9,80 |
5,52 |
|
Short-term financing charges |
% |
1,89 |
2,65 |
2,03 |
2,49 |
|
Capital on hand |
% |
87,39 |
88,25 |
70,14 |
68,88 |
|
Sales pro employee |
Value |
429.802 |
251.121 |
582.472 |
796.124 |
|
Labour cost pro employee |
Value |
53.718 |
32.029 |
55.276 |
44.281 |
Market
/ Territory Data
|
Population living in the province |
: |
|
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
Monthly family expenses average in the
region (in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Sector
Data
The values are calculated on a base of 377
significant companies.
The companies cash their credits on an
average of 85 dd.
The average duration of suppliers debts is about
89 dd.
The sector's profitability is on an average
of 2,32%.
The labour cost affects the turnover in the
measure of 5,48%.
Goods are held in stock in a range of 48 dd.
The difference between the sales volume and
the resources used to realize it is about 1,45.
The employees costs represent the 5,52% of
the production costs.
Statistical
Detrimental Data
Statistically the trade activity shows
periods of crisis.
The area is statistically considered
moderately risky.
In the region 50.886 protested subjects are
found; in the province they count to 5.551.
The insolvency index for the region is 0,55,
, while for the province it is 0,48.
Total Bankrupt companies in the province :
3.452.
Total Bankrupt companies in the region :
39.612.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.62.14 |
|
UK Pound |
1 |
Rs.97.05 |
|
Euro |
1 |
Rs.77.37 |
INFORMATION DETAILS
|
Analysis Done by
: |
RAS |
|
|
|
|
Report Prepared
by : |
MNL |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.