MIRA INFORM REPORT
|
Report Date : |
13.12.2014 |
IDENTIFICATION DETAILS
|
Name : |
LIABEL S.P.A. |
|
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|
Registered Office : |
Via Salvo D’acquisto, 8 13900-Biella(BI) |
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Country : |
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|
Financials (as on) : |
31.12.2013 |
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Date of Incorporation : |
20.11.1924 |
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|
Legal Form : |
Joint stock company with sole shareholder |
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|
Line of Business : |
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|
|
|
No of Employees : |
from 71 to 90 |
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 |
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Payment Behaviour : |
No Complaints |
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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 – September 30, 2014
|
Country Name |
Previous Rating (30.06.2014) |
Current Rating (30.09.2014) |
|
|
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low Risk |
A2 |
|
Moderate Low Risk |
B1 |
|
Moderate Risk |
B2 |
|
Moderate High Risk |
C1 |
|
High Risk |
C2 |
|
Very High Risk |
D |
|
Source
: CIA |
COMPANY NAME & ADDRESS
|
Liabel S.p.a. |
|
Via |
Salvo D'acquisto, |
8 |
|
13900 |
- |
(BI) |
-IT- |
Summary
|
Fiscal Code |
: |
00156490021 |
|
Legal Form |
: |
Joint stock company with sole shareholder |
|
start of Activities |
: |
20/11/1924 |
|
Equity |
: |
Over 2.582.254 |
|
|
: |
15.500.000/18.000.000 |
|
Number of Employees |
: |
from 71 to 90 |
|
Group |
: |
SARA LEE |
Activity
Manufacture of underwear
Manufacture of other knitted and crocheted
apparel
Legal Data
Legal Form : Joint stock company with sole shareholder
|
Fiscal Code : 00156490021 |
|
Foreign Trade Reg. no. : BI003334 since 24/12/1991 |
|
Foreign Trade Reg. no. : 5141 of |
|
Chamber of Commerce no. : 337612 of |
|
Chamber of Commerce no. : 17853 of |
|
Chamber of Commerce no. : 480089 of |
|
Chamber of Commerce no. : 792105 of Milano |
|
Chamber of Commerce no. : 257553 of |
|
Chamber of Commerce no. : 62493 of Sondrio |
|
Chamber of Commerce no. : 17853 of |
|
Firms' Register : BI004-1911 of |
|
Firms' Register : of |
|
V.A.T. Code : 00156490021 |
|
Tribunal Co. Register : 1911 of |
|
Foundation date |
: 20/11/1924 |
|
|
Establishment date |
: 20/11/1924 |
|
|
Start of Activities |
: 20/11/1924 |
|
|
Legal duration |
: 31/12/2030 |
|
|
Nominal Capital |
: 7.150.000 |
|
|
Subscribed Capital |
: 7.150.000 |
|
|
Paid up Capital |
: 7.150.000 |
|
Members
|
|
Reconta Ernst E
Young S.p.a. |
|
|
|
|
|
|
Residence: |
|
|
, 32 |
- 00198 |
Roma |
(RM) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Auditor |
29/04/2013 |
|
|
|
|
Laurenzio |
Marcello |
|
|
|
Born in Farciennes |
( ) |
on 28/01/1958 |
- Fiscal Code : LRNMCL58A28Z103O |
|
|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Assistant board Chairman |
29/04/2014 |
|
|
|
Managing Director |
29/04/2014 |
|
|
|
Director |
29/04/2014 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Fenzi |
Massimo |
|
|
|
Born in Trivero |
(VC) |
on 03/05/1964 |
- Fiscal Code : FNZMSM64E03L436C |
|
|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
29/04/2014 |
|
|
|
|
Serres |
Joseph |
|
|
|
Born in Gaubiac |
( ) |
on 13/04/1954 |
- Fiscal Code : SRRJPH54D13Z110L |
|
|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
29/04/2014 |
|
|
|
|
Camarella |
Luca |
|
|
|
Born in |
(VC) |
on 17/07/1972 |
- Fiscal Code : CMRLCU72L17A859R |
|
|
|
Residence: |
|
Padre Greggio |
, 8/A |
- 13900 |
|
(BI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
08/06/2006 |
|
|
|
Attorney with special power |
28/07/2010 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Seau |
Dominique
Christophe |
|
|
|
Born in Bagnols Sur Ceze |
( ) |
on 30/10/1965 |
- Fiscal Code : SEADNQ65R30Z110L |
|
|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Board Chairman |
29/04/2014 |
|
|
|
Director |
29/04/2014 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Gaiardelli |
Luca |
|
|
|
Born in |
(NO) |
on 24/08/1972 |
- Fiscal Code : GRDLCU72M24F952D |
|
|
|
Residence: |
|
Padre Greggio |
, 8/A |
- 13900 |
|
(BI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
28/04/2008 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Baratte |
Laurent |
|
|
|
Born in Bayeaux |
( ) |
on 06/09/1966 |
- Fiscal Code : BRTLNT66P06Z110R |
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|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
29/04/2014 |
|
|
|
|
Ramella |
Alessandro |
|
|
|
Born in |
(VC) |
on 07/07/1965 |
- Fiscal Code : RMLLSN65L07A859Q |
|
|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
20/01/2014 |
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Eminence Sas |
|
|
|
|
Position |
Since |
Shares Amount |
% Ownership |
|
Sole partner |
03/11/2004 |
|
|
|
|
No Protests
registered |
Companies connected to members *
*checkings have been performed on a national
scale.
In this module the companies in which
members hold/held positions are listed.
The Members of the subject firm are not
reported to be Members in other companies.
Capital Shareholders
Shareholders' list as at date of data
collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Eminence Sas |
|
|
|
100,00 |
Direct Participations
The Company under review has no
participations in other Companies.
Firm's location and structure
In order to carry out its activities the
firm uses the following locations:
|
- |
Legal and operative seat |
|
since 20/11/1924 |
|
|
|
|
|
|
Salvo D'acquisto |
, 8 |
- 13051 |
- |
(BI) |
- IT - |
|
|
|
|
Total Surface: 236 Sq.mt. |
|
|
|
|
PHONE |
: 0158487111 |
|
|
|
|
PHONE |
: 0158445430 |
|
|
|
|
PHONE |
: 015401627 |
|
|
|
|
FAX |
: 0158487306 |
|
- |
Branch |
(Workshop) |
since 14/10/1985 |
|
|
|
|
|
|
Padre Giuseppe Greggio |
, 8/A |
- 13051 |
- |
(BI) |
- IT - |
|
|
|
|
PHONE |
: 0158487111 |
|
- |
Branch |
(Store) |
since 01/01/1992 |
|
|
|
|
|
|
Padre G. Greggio |
, 15 |
- 13051 |
- |
(BI) |
- IT - |
|
|
|
|
PHONE |
: 0158187111 |
|
- |
Branch |
(Factory) |
since 01/10/1986 |
until 31/08/1997 |
|
|
|
|
|
|
A. Moro |
, 10 |
- 13060 |
- Sandigliano |
(BI) |
- IT - |
|
- |
Branch |
|
since 15/03/1999 |
until 31/10/2000 |
|
|
|
|
|
|
Dei Seminari |
, 4/A |
- 13051 |
- |
(BI) |
- IT - |
|
- |
Branch |
(Store) |
since 01/02/2000 |
until 10/09/2004 |
|
|
|
|
|
|
Europa |
, 2 |
- 13060 |
- Cerrione |
(BI) |
- IT - |
|
- |
Branch |
(Store) |
since 01/02/2000 |
until 31/10/2000 |
|
|
|
|
|
|
Aldo Moro |
, 10 |
- 13060 |
- Sandigliano |
(BI) |
- IT - |
|
- |
Branch |
(Store) |
since 01/02/2000 |
until 15/04/2005 |
|
|
|
|
|
|
Belletti Fiorio |
, 47 |
- 13050 |
- Bioglio |
(BI) |
- IT - |
|
- |
Branch |
(Store) |
since 02/05/2000 |
until 01/03/2002 |
|
|
|
|
|
|
Quintino Sella |
, 60 |
- 13060 |
- Valdengo |
(BI) |
- IT - |
|
- |
Branch |
(Shop) |
since 01/07/2006 |
|
|
|
|
|
|
Nazionale |
, 149 |
- 25100 |
- |
(BS) |
- IT - |
|
|
|
|
Total Surface: 150 Sq.mt. |
|
- |
Branch |
(Shop) |
since 22/01/2004 |
|
|
|
|
|
|
Orobie |
, 8 |
- 23013 |
- Cosio Valtellino |
(SO) |
- IT - |
|
|
|
|
Total Surface: 250 Sq.mt. |
|
|
|
|
Employees |
: 89 |
|
Fittings and Equipment for a value of 73.000 |
Eur |
|
Stocks for a value of 6.420.000 |
Eur |
|
Furniture and fittings for a value of 830.000 |
Eur |
|
Vehicles for a value of 210.000 |
Eur |
Trade organization: direct or by agents.
Sales area on a national scale.
The company supplies wholesalers and
retailers.
|
|
The firm operates abroad as importer /
exporter..
To purchase foreign products the firm uses
the following channels :
|
- its own sales net-work |
Export represents up to 20% of the global
turnover.
Products abroad are placed by :
|
- its own sales net-work |
Company generally accepts payments with
terms of 60/90 days.
Financial means used for sale: bank
transfers and bank orders.
Purchase terms: 60-90-120 days.
The most used payment modality is the bank
transfer one.
Import comes generally from the following
nations:
|
- |
|
- |
|
- |
|
- |
|
- |
|
- |
|
- Svizzera |
The subject firm uses the following own
selling brands:
|
- LIABEL |
Traded Brands / Suppliers
|
- Liabel |
Historical Information and/or Firm's Status
CHANGES TO THE
LEGAL FORM:
|
Former legal form |
New legal form |
Changement Date |
|
Joint stock company |
Joint stock company with sole shareholder |
03/11/2004 |
EX-MEMBERS /
EX-POSITIONS:
|
|
Laurenzio |
Marcello |
|
|
|
Born in Farciennes |
( ) |
on 28/01/1958 |
- Fiscal Code : LRNMCL58A28Z103O |
|
|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Pricewaterhousecoopers
S.p.a. In Breve |
Pwc |
|
- Fiscal Code : 12979880155 |
|
|
|
Residence: |
|
Monte |
, 91 |
- 20149 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Auditor |
|
|
Fenzi |
Massimo |
|
|
|
Born in Trivero |
(VC) |
on 03/05/1964 |
- Fiscal Code : FNZMSM64E03L436C |
|
|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Mahe |
Raymond |
|
|
|
Born in Perriers |
( ) |
on 18/07/1953 |
- Fiscal Code : MHARMN53L18Z110L |
|
|
|
Residence: |
|
Dei Seminari |
, 4/A |
- 13051 |
|
(BI) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Serres |
Joseph |
|
|
|
Born in Gaubiac |
( ) |
on 13/04/1954 |
- Fiscal Code : SRRJPH54D13Z110L |
|
|
|
Residence: |
|
Salvo D'acquisto |
, 8 |
- 13900 |
|
(BI) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Eminence Sas |
|
|
|
|
Ex-Postions |
|
Sole partner |
|
|
Perini |
Paolo |
|
|
|
Born in Omegna |
(NO) |
on 27/12/1974 |
- Fiscal Code : PRNPLA74T27G062B |
|
|
|
Residence: |
|
Dei Seminari |
, 4/A |
- 13051 |
|
(BI) |
- IT - |
|
Ex-Postions |
|
Procurator |
|
|
Eminence Sas |
|
|
|
|
Ex-Postions |
|
Sole partner |
|
|
Baratte |
Lauren |
|
|
|
Born in |
( ) |
on 06/09/1966 |
|
|
|
Residence: |
Du Pied De La Vigne |
, 7 |
Cornas |
- FR - |
|
Ex-Postions |
|
Director |
|
|
Schinasi |
Leonello |
|
|
|
Born in Il |
( ) |
on 05/06/1950 |
- Fiscal Code : SCHLLL50H05Z336U |
|
|
|
Residence: |
|
Antonio G Ignazio Bertola |
, 34 |
- 10122 |
|
(TO) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Rolando |
Alessio |
|
|
|
Born in |
(TO) |
on 13/06/1972 |
- Fiscal Code : RLNLSS72H13L219G |
|
|
|
Residence: |
|
Palestro |
, 10 |
- 10122 |
|
(TO) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Eminence Sas |
|
|
|
|
Ex-Postions |
|
Sole partner |
|
|
Eminence Sas |
|
|
|
|
Ex-Postions |
|
Sole partner |
|
|
Eminence Sas |
|
|
|
|
Ex-Postions |
|
Sole partner |
|
|
Di Fonzo |
Roberto |
|
|
|
Born in |
(PE) |
on 18/08/1962 |
- Fiscal Code : DFNRRT62M18G482D |
|
|
|
Residence: |
|
Laurentina |
, 191 |
- 00040 |
Pomezia |
(RM) |
- IT - |
|
Ex-Postions |
|
Attorney with special power |
|
|
Nizzi |
Nicola |
|
|
|
Born in |
(TO) |
on 16/07/1951 |
- Fiscal Code : NZZNCL51L16L219N |
|
|
|
Residence: |
|
Oberdan |
, 12 |
- 13051 |
|
(BI) |
- IT - |
|
Ex-Postions |
|
Attorney with special power |
|
|
Gianni |
Francesco |
|
|
|
Born in |
(RA) |
on 09/02/1951 |
- Fiscal Code : GNNFNC51B09H199R |
|
|
|
Residence: |
|
Dei Mellini |
, 17 |
- 00193 |
Roma |
(RM) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Nessim |
Lucien |
|
|
|
Born in Il |
( ) |
on 19/02/1941 |
- Fiscal Code : NSSLCN41B19Z336F |
|
Ex-Postions |
|
Director |
|
|
Mikla |
Alessandro |
|
|
|
Born in |
(TO) |
on 28/03/1960 |
- Fiscal Code : MKLLSN60C28L219R |
|
|
|
Residence: |
|
Montevecchio |
, 39 |
- 10100 |
|
(TO) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
Temporary Auditor |
|
|
Gros |
Pietro Gian
Maria |
|
|
|
Born in |
(TO) |
on 04/02/1942 |
- Fiscal Code : GRSPRG42B04L219B |
|
Ex-Postions |
|
Managing Director |
|
|
|
Angelo |
|
|
|
Born in |
(TO) |
on 19/01/1930 |
- Fiscal Code : PVANGL30A19L219C |
|
|
|
Residence: |
|
Della Nera |
, 27 |
- 13051 |
|
(BI) |
- IT - |
|
Ex-Postions |
|
Chairman |
|
Managing Director |
|
|
Zumaglini |
Antonio |
|
|
|
Born in |
(TO) |
on 30/12/1926 |
- Fiscal Code : ZMGNTN26T30L219B |
|
Ex-Postions |
|
Vice-Chairman |
|
|
|
Guido |
|
|
|
Born in |
(TO) |
on 03/08/1932 |
- Fiscal Code : PVAGDU32M03L219A |
|
Ex-Postions |
|
Chairman |
|
|
Lefebvre |
Marc |
|
|
|
Born in |
( ) |
on 28/08/1944 |
- Fiscal Code : LFBMRC44M28Z110G |
|
|
|
Residence: |
|
Dei Seminari |
, 4/A |
- 13051 |
|
(BI) |
- IT - |
|
Ex-Postions |
|
Board Chairman |
|
Director |
|
Director |
|
|
Buffa |
Alberto |
|
|
|
Born in |
(TO) |
on 31/10/1924 |
- Fiscal Code : BFFLRT24R31L219K |
|
|
|
Residence: |
|
Ponte Isabella S. Vito |
, 116/18 |
- 10100 |
|
(TO) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Varani |
Alberto |
|
|
|
Born in Bracciano |
(RM) |
on 14/01/1945 |
- Fiscal Code : VRNLRT45A14B114R |
|
|
|
Residence: |
|
Laurentina |
, 191 |
- 00040 |
Pomezia |
(RM) |
- IT - |
|
Ex-Postions |
|
Director |
CEASINGS/INCORPORATIONS/MERGES:
|
|
The firm
absorved |
|
|
|
|
|
|
|
, |
- IT - |
|
|
|
Date |
: |
19/11/1992 |
|
|
The firm
absorbed by merging of |
|
|
|
|
|
|
|
, |
- IT - |
|
|
|
Date |
: |
19/11/1992 |
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.
Bankers
The firm operates with:
|
Bank Name |
Agency Name |
Address |
ZIP Code |
City |
ABI Code |
CAB Code |
|
UNICREDIT BANCA D'IMPRESA S.P.A. |
U.P.A. TRIBUTI |
VIALE DEL LAVORO, 42 |
40100 |
|
3226 |
2573 |
Financial and Economical Analysis
Company's starting of activities dates back
to 1924.
An eco-fin analysis has been made on the
base od the b/s fo the years 2011, 2012 and 2013.
In the economic management , good and bad results
followed on by turns. with a loss in the last financial year. In the last
financial year a drop in sales has been registered (-12,14%).
The operating result is negative.
the operating loss amounts to Eur.
-1.129.994.
With regard to GOM, subject closed 2013
financial account with a negative result (Eur. -289.126).
The company has an excellent net worth if
compared to its debts, with a low indebtedness (0,05) lower than in 2012.
Subject can manage an equity capital funds
for an amount of Eur. 19.195.146 , unchanged as opposed to the preceding year.
Total indebtedness amounts to Eur.
4.839.799, with no important change.
The company does not exceed in bank
borrowings; the recourse to suppliers' credit is also limited which turns out
to be lined up with the sector.
Payments are supported by good current
assets.
Trade credits average terms are slow, on
average 270 days. even if compared to the average of the sector.
Managerial cash flow has a minus sign and is
equal to Eur. -471.968.
In the last financial year labour cost was
of Eur. 3.888.528, with a 20,43% incidence on total costs of production. ,
whereas the incidence of such costs on sales revenues is equal to 22,78%.
Financial incomes cover financial charges.
Financial Data
|
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
17.069.181 |
|
Profit (Loss) for the period |
-1.294.011 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
19.429.014 |
|
Profit (Loss) for the period |
-887.258 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
25.032.305 |
|
Profit (Loss) for the period |
931.533 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
26.378.593 |
|
Profit (Loss) for the period |
812.200 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2009 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
25.255.871 |
|
Profit (Loss) for the period |
1.031.316 |
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 |
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Ratios
|
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 |
0,10 |
0,11 |
0,11 |
0,21 |
|
Elasticity Ratio |
Units |
0,89 |
0,88 |
0,87 |
0,74 |
|
Availability of stock |
Units |
0,24 |
0,26 |
0,30 |
0,22 |
|
Total Liquidity Ratio |
Units |
0,65 |
0,63 |
0,57 |
0,47 |
|
Quick Ratio |
Units |
0,15 |
0,09 |
0,02 |
0,02 |
|
COMPOSITION ON
SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
0,05 |
0,14 |
0,38 |
1,63 |
|
Self Financing Ratio |
Units |
0,72 |
0,73 |
0,66 |
0,27 |
|
Capital protection Ratio |
Units |
0,69 |
0,69 |
0,62 |
0,76 |
|
Liabilities consolidation quotient |
Units |
0,31 |
0,27 |
0,18 |
0,17 |
|
Financing |
Units |
0,25 |
0,27 |
0,41 |
2,41 |
|
Permanent Indebtedness Ratio |
Units |
0,78 |
0,78 |
0,71 |
0,42 |
|
M/L term Debts Ratio |
Units |
0,06 |
0,05 |
0,05 |
0,12 |
|
Net Financial Indebtedness Ratio |
Units |
0,00 |
0,00 |
0,00 |
1,01 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
7,69 |
7,16 |
6,74 |
1,89 |
|
Current ratio |
Units |
4,92 |
4,50 |
3,18 |
1,23 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
3,60 |
3,20 |
2,07 |
0,87 |
|
Structure's primary quotient |
Units |
7,13 |
6,67 |
6,27 |
1,14 |
|
Treasury's primary quotient |
Units |
0,80 |
0,48 |
0,07 |
0,03 |
|
Rate of indebtedness ( Leverage ) |
% |
138,93 |
137,56 |
151,72 |
363,43 |
|
Current Capital ( net ) |
Value |
18.987.318 |
19.372.243 |
19.331.445 |
516.008 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
-2,77 |
-0,65 |
7,21 |
2,65 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
-6,74 |
-4,33 |
4,36 |
3,99 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
-6,37 |
-4,01 |
7,10 |
8,24 |
|
Return on Investment ( R.O.I. ) |
% |
-4,24 |
-3,17 |
4,78 |
3,98 |
|
Return/ Sales |
% |
-6,62 |
-4,60 |
6,20 |
4,06 |
|
Extra Management revenues/charges incid. |
% |
n.c. |
n.c. |
60,03 |
22,26 |
|
Cash Flow |
Value |
-471.968 |
-126.383 |
1.805.518 |
131.616 |
|
Operating Profit |
Value |
-1.129.994 |
-894.026 |
1.551.814 |
171.264 |
|
Gross Operating Margin |
Value |
-289.126 |
-110.166 |
2.701.715 |
292.452 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
270,00 |
265,03 |
248,81 |
125,56 |
|
Debts to suppliers average term |
Days |
86,10 |
90,92 |
102,07 |
100,12 |
|
Average stock waiting period |
Days |
135,46 |
133,58 |
141,23 |
71,59 |
|
Rate of capital employed return ( Turnover
) |
Units |
0,64 |
0,69 |
0,77 |
1,04 |
|
Rate of stock return |
Units |
2,66 |
2,69 |
2,55 |
5,02 |
|
Labour cost incidence |
% |
22,78 |
19,63 |
17,01 |
13,02 |
|
Net financial revenues/ charges incidence |
% |
0,25 |
0,11 |
-0,06 |
-2,14 |
|
Labour cost on purchasing expenses |
% |
20,43 |
19,51 |
16,69 |
13,65 |
|
Short-term financing charges |
% |
0,07 |
n.c. |
0,25 |
3,52 |
|
Capital on hand |
% |
156,24 |
145,07 |
129,56 |
95,65 |
|
Sales pro employee |
Value |
141.067 |
163.269 |
188.212 |
210.489 |
|
Labour cost pro employee |
Value |
32.136 |
32.049 |
32.012 |
29.351 |
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 249
significant companies.
The companies cash their credits on an
average of 126 dd.
The average duration of suppliers debts is
about 100 dd.
The sector's profitability is on an average
of 2,65%.
The labour cost affects the turnover in the
measure of 13,02%.
Goods are held in stock in a range of 72 dd.
The difference between the sales volume and
the resources used to realize it is about 1,04.
The employees costs represent the 13,65% of
the production costs.
Statistical Detrimental Data
Statistically the trade activity passes
through serious crises.
The area is statistically considered lowly
risky.
In the region 27.019 protested subjects are
found; in the province they count to 1.057.
The insolvency index for the region is 0,63,
, while for the province it is 0,56.
Total Bankrupt companies in the province :
750.
Total Bankrupt companies in the region :
14.165.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs. 62.44 |
|
|
1 |
Rs. 98.15 |
|
Euro |
1 |
Rs. 77.38 |
INFORMATION DETAILS
|
Analysis Done by
: |
SUB |
|
|
|
|
Report Prepared
by : |
DPT |
RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest
capability for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit
transaction. It has above average (strong) capability for payment of interest
and principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General
unfavourable factors will not cause fatal effect. Satisfactory capability for
payment of interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall
operation is considered normal. Capable to meet normal commitments. |
Satisfactory |
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
-- |
NB |
New Business |
-- |
This score serves as a reference to assess
SC’s credit risk and to set the amount of credit to be extended. It is
calculated from a composite of weighted scores obtained from each of the major
sections of this report. The assessed factors and their relative weights (as
indicated through %) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend (10%) Operational size
(10%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.