MIRA INFORM REPORT
|
Report Date : |
18.12.2014 |
IDENTIFICATION DETAILS
|
Name : |
PARCOL S.P.A. |
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Registered Office : |
Via Isonzo, 2, 20010 – Canegrate (MI) |
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Country : |
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Financials (as on) : |
31.12.2013 |
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Date of Incorporation : |
01.10.2006 |
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Legal Form : |
Joint stock company |
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Line of Business : |
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No of Employees : |
from 176 to 200 |
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 |
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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 |
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Low Risk |
A2 |
|
Moderate Low Risk |
B1 |
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Moderate Risk |
B2 |
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Moderate High Risk |
C1 |
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High Risk |
C2 |
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Very High Risk |
D |
|
Source
: CIA |
COMPANY NAME & ADDRESS
|
Parcol S.p.a. |
|
Via |
Isonzo, |
2 |
|
20010 |
- Canegrate |
(MI) |
-IT- |
Summary
|
Fiscal Code |
: |
05255660960 |
|
Legal Form |
: |
Joint stock company |
|
start of Activities |
: |
01/10/2006 |
|
Equity |
: |
Over 2.582.254 |
|
|
: |
25.000.000/35.000.000 |
|
Number of Employees |
: |
from 176 to 200 |
Activity
General mechanics
Manufacture of other taps and valves
Legal Data
Legal Form : Joint stock company
|
Fiscal Code : 05255660960 |
|
Chamber of Commerce no. : 1807027 of Milano since 03/04/2006 |
|
Establishment date |
: 30/03/2006 |
|
|
Start of Activities |
: 01/10/2006 |
|
|
Legal duration |
: 31/12/2030 |
|
|
Nominal Capital |
: 3.200.000 |
|
|
Subscribed Capital |
: 3.200.000 |
|
|
Paid up Capital |
: 3.200.000 |
|
Members
|
|
Vandone |
Giancarlo |
|
|
|
Born in |
(VA) |
on 08/05/1950 |
- Fiscal Code : VNDGCR50E08B300E |
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|
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Residence: |
|
|
, 24 |
- 21052 |
|
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Sole Director |
25/06/2012 |
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|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Campanelli |
Erminio |
|
|
|
Born in Popoli |
(PE) |
on 03/02/1959 |
- Fiscal Code : CMPRMN59B03G878S |
|
|
|
Residence: |
|
Serra |
, 7 |
- 20017 |
|
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/12/2012 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Galli |
Rossano |
|
|
|
Born in Canegrate |
(MI) |
on 15/08/1958 |
- Fiscal Code : GLLRSN58M15B593Z |
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|
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Residence: |
|
E. Fermi |
, 26 |
- 20010 |
Canegrate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/12/2012 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Perego |
Ambrogio |
|
|
|
Born in Milano |
(MI) |
on 30/10/1963 |
- Fiscal Code : PRGMRG63R30F205K |
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|
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Residence: |
|
Guerciotti |
, 33 |
- 20025 |
Legnano |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/12/2012 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Vismara |
Egidio |
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|
|
Born in Treviglio |
(BG) |
on 03/08/1961 |
- Fiscal Code : VSMGDE61M03L400V |
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Residence: |
|
Magenta |
, 63 |
- 20010 |
Canegrate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/12/2012 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Palagano |
Paolo |
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|
Born in |
(MB) |
on 22/08/1973 |
- Fiscal Code : PLGPLA73M22F704U |
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Residence: |
|
Carducci |
, 12 |
- 20852 |
Villasanta |
(MB) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/12/2012 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
|
Lara |
|
|
|
Born in Legnano |
(MI) |
on 12/09/1967 |
- Fiscal Code : FNTLRA67P52E514R |
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|
|
Residence: |
|
Verdi |
, 4 |
- 20023 |
Cerro Maggiore |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/12/2012 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Carnevali |
Emanuela |
|
|
|
Born in |
(VA) |
on 20/06/1965 |
- Fiscal Code : CRNMNL65H60B300I |
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|
|
Residence: |
|
Cadore |
, 6 |
- 20025 |
Legnano |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/12/2012 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Re Fraschini |
Alberto |
|
|
|
Born in |
(VA) |
on 13/08/1978 |
- Fiscal Code : RFRLRT78M13B300P |
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|
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Residence: |
|
|
, 110 |
- 20023 |
Cerro Maggiore |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/12/2012 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Grisetti |
Gianpiero |
|
|
|
Born in Rescaldina |
(MI) |
on 16/05/1954 |
- Fiscal Code : GRSGPR54E16H240Z |
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|
|
Residence: |
|
Don Luigi Repetti |
, 123 |
- 20027 |
Rescaldina |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
24/07/2014 |
|
|
|
|
No
Prejudicial events are reported |
|
|
No Protests
registered |
|
|
Grassi |
Claudio |
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|
|
Born in |
(MB) |
on 07/02/1978 |
- Fiscal Code : GRSCLD78B07F704W |
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|
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Residence: |
|
Baccelli |
, 17 |
- 20035 |
Lissone |
(MB) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
24/07/2014 |
|
|
|
No Protests
registered |
|
Robbiani |
Nadia Maria |
|
|
Born in Tradate |
(VA) |
on 19/06/1970 |
- Fiscal Code : RBBNMR70H59L319B |
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|
Residence: |
|
Dante |
, 29 |
- 21040 |
Gerenzano |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
24/07/2014 |
|
|
|
|
No Protests
registered |
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.
|
|
Vandone |
Giancarlo |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Parcol S.p.a. |
Canegrate (MI) - IT - |
00688330158 |
Director |
Withdrawn |
Ceased |
|
Parcol S.p.a. |
Canegrate (MI) - IT - |
00688330158 |
Sole Director |
Withdrawn |
Ceased |
|
Parcol S.p.a. |
Canegrate (MI) - IT - |
00688330158 |
Managing
Director |
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 |
|
Pozzi Giampaolo |
Milano - IT - |
PZZGPL49M23D651J |
160.000 .Eur |
5,00 |
|
Vandone Giancarlo |
Busto Arsizio - IT - |
VNDGCR50E08B300E |
1.344.000 .Eur |
42,00 |
|
Campanelli Erminio |
Rho - IT - |
CMPRMN59B03G878S |
320.000 .Eur |
10,00 |
|
Galli Rossano |
Canegrate - IT - |
GLLRSN58M15B593Z |
320.000 .Eur |
10,00 |
|
Pozzi Giorgio |
|
PZZGRG40D23D651P |
160.000 .Eur |
5,00 |
|
Perego Ambrogio |
Legnano - IT - |
PRGMRG63R30F205K |
320.000 .Eur |
10,00 |
|
Trust Bollani |
|
97656920150 |
576.000 .Eur |
18,00 |
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 |
|
Immobiliare Astra Spa |
Legnano - IT - |
06002380159 |
2.912 .Eur |
0,43 |
|
|
Active |
|
Cvb Valves S.r.l. |
|
08735550967 |
90.000 .Eur |
90,00 |
|
|
Active |
Firm's location and structure
In order to carry out its activities the
firm uses the following locations:
|
- |
Legal and
operative seat |
|
|
|
|
|
|
|
Isonzo |
, 2 |
- 20010 |
- Canegrate |
(MI) |
- IT - |
|
|
|
|
Employees |
: 178 |
|
Fittings and Equipment for a value of
1.890.000 |
Eur |
|
Stocks for a value of 7.130.000 |
Eur |
|
|
Historical Information and/or Firm's Status
EX-MEMBERS /
EX-POSITIONS:
|
|
Bollani |
Carlo |
|
|
|
Born in Milano |
(MI) |
on 21/06/1933 |
- Fiscal Code : BLLCRL33H21F205K |
|
|
|
Residence: |
|
Cenisio |
, 74 |
- 20154 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Board Chairman |
|
Director |
|
Managing Director |
|
|
Vandone |
Giancarlo |
|
|
|
Born in Busto Arsizio |
(VA) |
on 08/05/1950 |
- Fiscal Code : VNDGCR50E08B300E |
|
|
|
Residence: |
|
Marsala |
, 24 |
- 21052 |
Busto Arsizio |
(VA) |
- IT - |
|
Ex-Postions |
|
Director |
|
Managing Director |
|
|
Campanelli |
Erminio |
|
|
|
Born in Popoli |
(PE) |
on 03/02/1959 |
- Fiscal Code : CMPRMN59B03G878S |
|
|
|
Residence: |
|
Serra |
, 7 |
- 20017 |
Rho |
(MI) |
- IT - |
|
Ex-Postions |
|
Procurator |
|
|
Galli |
Rossano |
|
|
|
Born in Canegrate |
(MI) |
on 15/08/1958 |
- Fiscal Code : GLLRSN58M15B593Z |
|
|
|
Residence: |
|
E. Fermi |
, 26 |
- 20010 |
Canegrate |
(MI) |
- IT - |
|
Ex-Postions |
|
Procurator |
|
|
Farruggio |
Marco |
|
|
|
Born in Saronno |
(VA) |
on 02/12/1969 |
- Fiscal Code : FRRMRC69T02I441U |
|
|
|
Residence: |
|
Don Livio Tamborini |
, 13 |
- 21040 |
Uboldo |
(VA) |
- IT - |
|
Ex-Postions |
|
Procurator |
|
|
Garolfi |
Giorgio |
|
|
|
Born in Castel San Giovanni |
(PC) |
on 02/02/1962 |
- Fiscal Code : GRLGRG62B02C261N |
|
|
|
Residence: |
|
Bettola |
, 14 |
- 29010 |
Sarmato |
(PC) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Comerio |
Paolo Rino |
|
|
|
Born in Milano |
(MI) |
on 08/01/1964 |
- Fiscal Code : CMRPRN64A08F205T |
|
|
|
Residence: |
|
Tortona |
, 74 |
- 20100 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
CEASINGS/INCORPORATIONS/MERGES:
|
|
Project of
merging by taking over of |
|
|
|
|
|
|
|
|
Isonzo |
, 0002 |
, 20010 |
, Canegrate |
(MI) |
- IT - |
|
|
|
Fiscal Code: 00688330158 |
|
|
|
Date |
Merging/splitting-up project: |
20/06/2006 |
|
|
The firm
absorbed by merging of |
|
|
|
|
|
|
|
|
Isonzo |
, 0002 |
, 20010 |
, Canegrate |
(MI) |
- IT - |
|
|
|
Fiscal Code: 00688330158 |
|
|
|
Date |
: |
25/09/2006 |
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
The company is active since 2006
The analysis is based on the latest 3
balance sheets.
Unstable economic results mark the company's
financial state of affairs. anyway in 2013 a positive result was achieved
(r.o.e. 8,31%). The turnover is growing in the last financial year (+14,63%).
The operating result in 2013 was positive
(6,34%) and in line with the sector's average.
The amount of the operating result for the year
2013 is of Eur. 2.476.883 increasing if compared to the yeart 2012.
The gross operating margin of the latest
financial year is of Eur. 3.552.878 with a 21,62% growth.
Very good financial situation: shareholder's
equity covers short-terms debts with an indebtedness level equal to 0,94 which
is yet rising if compared to 2012.
The equity capital is equal to Eur.
15.064.909 , unchanged if compared to 2012.
Total debts recorded amounted to Eur.
21.594.561 (Eur. 4.241.828 of which were m/l term debts) on the same levels as
the year before.
The company does not exceed in bank credits;
payments average period is instead slightly high (116,95 gg.) but lined up with
the field's average.
It shows a good range of liquidity.
Trade credits average terms are slow, on average
125,63 days. even higher than the average of the specific sector.
The financial management generated a cash
flow of Eur. 2.327.755.
Labour cost expenses amount to Eur.
10.341.308 , representing 36,58% on the total of production costs. and a 34,21%
incidence on sales volumes.
If compared to the sales volume (-1,08%),
the impact of the financial charges is limited.
Financial Data
|
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
30.233.225 |
|
Profit (Loss) for the period |
1.251.760 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
26.373.509 |
|
Profit (Loss) for the period |
657.456 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
21.775.073 |
|
Profit (Loss) for the period |
-1.076.473 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
20.945.426 |
|
Profit (Loss) for the period |
70.533 |
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
|
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 |
0,29 |
0,33 |
0,35 |
0,26 |
|
Elasticity Ratio |
Units |
0,71 |
0,66 |
0,65 |
0,73 |
|
Availability of stock |
Units |
0,18 |
0,19 |
0,24 |
0,23 |
|
Total Liquidity Ratio |
Units |
0,52 |
0,47 |
0,41 |
0,44 |
|
Quick Ratio |
Units |
0,08 |
0,05 |
0,03 |
0,02 |
|
COMPOSITION ON
SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
0,94 |
0,88 |
0,84 |
1,74 |
|
Self Financing Ratio |
Units |
0,39 |
0,40 |
0,41 |
0,29 |
|
Capital protection Ratio |
Units |
0,70 |
0,73 |
0,84 |
0,64 |
|
Liabilities consolidation quotient |
Units |
0,33 |
0,42 |
0,51 |
0,22 |
|
Financing |
Units |
1,43 |
1,32 |
1,27 |
2,30 |
|
Permanent Indebtedness Ratio |
Units |
0,53 |
0,57 |
0,60 |
0,46 |
|
M/L term Debts Ratio |
Units |
0,14 |
0,17 |
0,19 |
0,11 |
|
Net Financial Indebtedness Ratio |
Units |
0,68 |
0,65 |
0,70 |
0,49 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
1,84 |
1,72 |
1,71 |
1,63 |
|
Current ratio |
Units |
1,59 |
1,64 |
1,74 |
1,32 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
1,18 |
1,16 |
1,10 |
0,86 |
|
Structure's primary quotient |
Units |
1,34 |
1,21 |
1,17 |
1,05 |
|
Treasury's primary quotient |
Units |
0,19 |
0,12 |
0,08 |
0,04 |
|
Rate of indebtedness ( Leverage ) |
% |
259,28 |
249,06 |
244,75 |
349,01 |
|
Current Capital ( net ) |
Value |
10.237.885 |
9.094.142 |
9.085.952 |
753.266 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
7,70 |
6,13 |
-0,45 |
5,13 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
8,31 |
4,65 |
-7,99 |
7,27 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
14,43 |
9,93 |
-5,68 |
15,95 |
|
Return on Investment ( R.O.I. ) |
% |
6,34 |
5,58 |
0,99 |
5,36 |
|
Return/ Sales |
% |
8,19 |
7,44 |
1,50 |
5,57 |
|
Extra Management revenues/charges incid. |
% |
50,54 |
33,49 |
-330,26 |
42,11 |
|
Cash Flow |
Value |
2.327.755 |
1.615.736 |
-99.007 |
344.143 |
|
Operating Profit |
Value |
2.476.883 |
1.962.953 |
325.949 |
359.008 |
|
Gross Operating Margin |
Value |
3.552.878 |
2.921.233 |
1.303.415 |
705.726 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
125,63 |
162,57 |
148,30 |
101,37 |
|
Debts to suppliers average term |
Days |
116,95 |
141,38 |
137,79 |
115,52 |
|
Average stock waiting period |
Days |
84,93 |
93,35 |
129,99 |
80,62 |
|
Rate of capital employed return ( Turnover
) |
Units |
0,77 |
0,75 |
0,66 |
1,07 |
|
Rate of stock return |
Units |
4,24 |
3,86 |
2,77 |
4,40 |
|
Labour cost incidence |
% |
34,21 |
35,62 |
42,05 |
16,91 |
|
Net financial revenues/ charges incidence |
% |
-1,08 |
-1,54 |
-1,48 |
-1,19 |
|
Labour cost on purchasing expenses |
% |
36,58 |
39,08 |
41,65 |
17,25 |
|
Short-term financing charges |
% |
1,63 |
2,21 |
1,96 |
2,71 |
|
Capital on hand |
% |
129,20 |
133,47 |
151,47 |
93,00 |
|
Sales pro employee |
Value |
93.601 |
90.011 |
76.136 |
223.920 |
|
Labour cost pro employee |
Value |
32.016 |
32.057 |
32.011 |
35.625 |
Remarks
1) Protests checking (relative to the last five
years) performed by crossing and matching the members names and the Firm's
Style with the reported addresses, is supplied by the Informatic Registry
managed by the Italian Chamber of Commerce. If the fiscal code is not
indicated, the eventual homonymous cases are submitted to expert staff
evaluation in order to limit wrong matching risks.
2) The Legal Data, supplied and retrived
from the Firm's Registry of the Italian Chamber of Commerce, are in line with
the last registered modifications.
3) Risk evaluation and Credit Opinion have
been performed on the base of the actual data at the moment of their
availability.
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 918
significant companies.
The companies cash their credits on an
average of 101 dd.
The average duration of suppliers debts is about
116 dd.
The sector's profitability is on an average
of 5,13%.
The labour cost affects the turnover in the
measure of 16,91%.
Goods are held in stock in a range of 81 dd.
The difference between the sales volume and
the resources used to realize it is about 1,07.
The employees costs represent the 17,25% of
the production costs.
Statistical Detrimental Data
Statistcally the trade activity shows
periods of crisis.
The area is statistically considered lowly
risky.
In the region 50.886 protested subjects are
found; in the province they count to 24.765.
The insolvency index for the region is 0,55,
, while for the province it is 0,66.
Total Bankrupt companies in the province :
22.523.
Total Bankrupt companies in the region :
39.612.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs. 63.58 |
|
|
1 |
Rs. 99.98 |
|
Euro |
1 |
Rs. 79.39 |
INFORMATION DETAILS
|
Analysis Done by
: |
DIV |
|
|
|
|
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.