MIRA INFORM REPORT

 

 

Report Date :

19.12.2014

 

IDENTIFICATION DETAILS

 

Name :

KALTECH ENGINEERING & REFRIGERATION PTE LTD

 

 

Registered Office :

9 Tuas Link 1, 638587

 

 

Country :

Singapore

 

 

Financials (as on) :

31.12.2009

 

 

Date of Incorporation :

16.11.1993

 

 

Com. Reg. No.:

199307561-H

 

 

Legal Form :

Exempt Private

 

 

Line of Business :

Manufacture of refrigerant products and its related parts

 

 

No of Employees :

30 [2014]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ca

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Moderate

 

 

Payment Behaviour :

Unknown

 

 

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)

Singapore

A1

A1

 

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

 

 

SINGAPORE ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports, before slowing to in 2011-13, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub.

 

Source : CIA


 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

199307561-H

COMPANY NAME

:

KALTECH ENGINEERING & REFRIGERATION PTE LTD

FORMER NAME

:

N/A

INCORPORATION DATE

:

16/11/1993

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

EXEMPT PRIVATE

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

9 TUAS LINK 1, 638587, SINGAPORE.

BUSINESS ADDRESS

:

9 TUAS LINK 1, 638587, SINGAPORE.

TEL.NO.

:

65-68633036

FAX.NO.

:

65-68633308

WEB SITE

:

WWW.KALTECH.COM.SG

CONTACT PERSON

:

FOO FUI WOON ( DIRECTOR )

 

 

 

 

 

 

PRINCIPAL ACTIVITY

:

MANUFACTURE OF REFRIGERANT PRODUCTS AND ITS RELATED PARTS

 

 

 

ISSUED AND PAID UP CAPITAL

:

1,000,000.00 ORDINARY SHARE, OF A VALUE OF SGD 1,000,000.00

 

 

 

SALES

:

N/A

NET WORTH

:

N/A

 

 

 

STAFF STRENGTH

:

30 [2014]

BANKER (S)

:

UNITED OVERSEAS BANK LTD
UNITED OVERSEAS BANK LIMITED

LITIGATION

:

TRACED

FINANCIAL CONDITION

:

N/A

PAYMENT

:

N/A

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

MATURE

 

HISTORY / BACKGROUND

 

The Subject is an exempt private company whose shares are not held by any corporate body and has no more than 20 shareholders who are all natural persons. An exempt company is a type of private limited company. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, suing or be sued by other companies. An exempt private company with an annual turnover of less than SGD5 million are exempted from statutory auditing requirements. Instead of filing audited annual accounts, the Subject has to file in a document duly signed by its director in charge of its finance and the company secretary stating that the Subject is able to meet all its obligations as and when they fall due. The Subject is not required to have their accounts audited. However, the Subject will prepare unaudited accounts for purposes of AGMs and filing with Registry Office if it is unable to meet all its obligations as and when they fall due .

 

The Subject is principally engaged in the (as a / as an) manufacture of refrigerant products and its related parts.

 

Share Capital History

Date

Issue & Paid Up Capital

04/12/2014

SGD 1,000,000.00

 

The major shareholder(s) of the Subject are shown as follows :

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

YONG SOON KIAT +

83, BUKIT DRIVE, 04-07, THE RAINTREE, 587849, SINGAPORE.

S2510534F

670,000.00

67.00

FOO FUI WOON +

83, BUKIT DRIVE, 04-07, THE RAINTREE, 587849, SINGAPORE.

S1187332D

200,000.00

20.00

LAM SENG HENG +

18, LORONG K, TELOK KURAU, 03-09, THE AMERY, 425781, SINGAPORE.

S1712327J

130,000.00

13.00

 

 

 

---------------

------

 

 

 

1,000,000.00

100.00

 

 

 

============

=====

+ Also Director



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

LAM SENG HENG

Address

:

18, LORONG K, TELOK KURAU, 03-09, THE AMERY, 425781, SINGAPORE.

IC / PP No

:

S1712327J

Nationality

:

SINGAPOREAN

Date of Appointment

:

30/06/2001

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

FOO FUI WOON

Address

:

83, BUKIT DRIVE, 04-07, THE RAINTREE, 587849, SINGAPORE.

IC / PP No

:

S1187332D

Nationality

:

SINGAPOREAN

Date of Appointment

:

01/06/2010

Remark

:

ALTERNATE DIRECTOR TO YONG SOON KIAT

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

YONG SOON KIAT

Address

:

83, BUKIT DRIVE, 04-07, THE RAINTREE, 587849, SINGAPORE.

IC / PP No

:

S2510534F

Date of Appointment

:

16/11/1993



MANAGEMENT

 

 

1)

Name of Subject

:

FOO FUI WOON

 

Position

:

DIRECTOR

 

 

 

 

 

AUDITOR

 

Auditor

:

S S LEE PAC

Auditor' Address

:

N/A

 

 

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

GAN BOON HUAT

 

IC / PP No

:

S2506216G /00665

 

 

 

 

 

Address

:

5, KIM KEAT ROAD, 03-01, KIM KEAT LODGE, 328843, SINGAPORE.

 

 

 

 

 

 

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

UNITED OVERSEAS BANK LTD

 

 

 

 

 

 

 

 

 

2)

Name

:

UNITED OVERSEAS BANK LIMITED

 

 

 

 

 

 

 

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C200504088

14/07/2005

N/A

UNITED OVERSEAS BANK LIMITED

-

Unsatisfied

 

 

LITIGATION CHECK AGAINST SUBJECT


* A check has been conducted in our databank against the Subject whether the subject has been involved in any litigation.

 

 

LEGAL ACTION

 

Code No

:

99

Case No

:

14405

Year

:

2010

Place

:

SINGAPORE

Court

:

MAGISTRATE COURT

 

 

 

Date Filed

:

04/06/2010

 

 

 

Solicitor Ref

:

KK.PI(C).11797 .20 10.JX

 

 

 

Solicitor Firm

:

K. KRISHNA & PARTNERS

Plaintiff

:

SOH CHING CHING

 

 

 

Defendants

:

KALTECH ENGINEERING & REFRIGERATION PTE LTD (199307561)

 

 

 

 

 

Amount Claimed

:

4730.40

 

 

 

 

 

 

 

 

Nature of Claim

:

SGD

 

 

 

 

 

 

 

 

Remark

:

TORT-NEGLIGENCE

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Code No

:

99

Case No

:

18206

 

 

 

 

 

Year

:

2012

Place

:

SINGAPORE

 

 

 

 

 

Court

:

MAGISTRATE COURT

 

 

 

 

 

 

 

 

Date Filed

:

09/07/2012

 

 

 

 

 

 

 

 

Solicitor Ref

:

C454-ACC-25355.10/SL(SW)

 

 

 

 

 

 

 

 

Solicitor Firm

:

TEO KENG SIANG & PARTNERS

 

 

 

 

 

Plaintiff

:

CHUA TECK LIONG

 

 

 

Defendants

:

KALTECH ENGINEERING & REFRIGERATION PTE LTD (199307561)

 

 

 

 

 

Amount Claimed

:

13507.50

 

 

 

 

 

 

 

 

Nature of Claim

:

SGD

 

 

 

 

 

 

 

 

Remark

:

TORT-NEGLIGENCE

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Code No

:

99

Case No

:

18518

 

 

 

 

 

Year

:

2014

Place

:

SINGAPORE

 

 

 

 

 

Court

:

MAGISTRATE COURT

 

 

 

 

 

 

 

 

Date Filed

:

02/10/2014

 

 

 

 

 

 

 

 

Solicitor

:

POON CHOON KOW DANIEL

 

 

 

 

 

 

 

 

Solicitor Ref

:

DP.8467.14.PSG

 

 

 

 

 

 

 

 

Solicitor Firm

:

DANIEL POON & CO.

 

 

 

 

 

Plaintiff

:

IT PORTLINK SDN. BHD.

 

 

 

Defendants

:

KALTECH ENGINEERING & REFRIGERATION PTE LTD (199307561)

 

 

 

 

 

Amount Claimed

:

10110

 

 

 

 

 

 

 

 

Nature of Claim

:

SGD

 

 

 

 

 

 

 

 

Remark

:

NEGLIGENCE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

No winding up petition was found in our databank

 

 

 

PAYMENT RECORD

 

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A

 

 

 


The Subject refused to disclose it's suppliers.

 

 

CLIENTELE

 

Local

:

YES

Percentage

:

80%

Domestic Markets

:

SINGAPORE

Overseas

:

YES

Percentage

:

20%

Export Market

:

ASIA

EUROPE

Credit Term

:

N/A

 

 

 

 

 

 

Payment Mode

:

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATIONS

 

Products manufactured

:

REFRIGERANT PRODUCTS AND ITS RELATED PARTS

 

Total Number of Employees:

 

YEAR

2014

2013

2012

2011

2010

 


GROUP

N/A

N/A

N/A

N/A

N/A

 

 

 

 

COMPANY

30

30

30

20

20

 

 

 

 

 

Branch

:

NO

 

 

Other Information:


The Subject is principally engaged in the (as a / as an) manufacture of refrigerant products and its related parts.

The Subject engages in the following activities:
* supplier of refrigerants for air-conditioning, refrigeration and automobile a/c industries
* wholesale of industrial machinery and equipment
* import, re-packaging & distribution and export of a complete range of refrigerants & engineering support

Products and services:
* air conditioning parts
* refrigerants
* blowing agents
* refrigerating equipment parts & supplies
* gas: industrial & medical

Trade names/brands:
* forane - refrigerants, blowing agents
* kalton - refrigerants, blowing agents
* solkane - refrigerants, blowing agents
* national - refrigerants, blowing agents

CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

 

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-68633036

Match

:

N/A

 

 

 

Address Provided by Client

:

9 TUAS LINK 1 SINGAPORE 638587

Current Address

:

9 TUAS LINK 1, 638587, SINGAPORE.

Match

:

YES

 

 

 


We have contacted the Subject's Accountant and its Company Secretary for the latest financial accounts. However they have rejected our request in view of the confidentiality of the documents.

 

 

Other Investigations


We contacted one of the staff from the Subject and she provided some information on the Subject.



FINANCIAL ANALYSIS

 

 

The Subject is a private exempt company which does not need to file in its accounts with the Registrar of Companies for the information of the public. Therefore, we are not able to comment on the Subject's financial performance.

 

 

 

 

 

 

 

Overall financial condition of the Subject : N/A

 

 

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

 

 

 

 

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

 

 

 

 

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

 

 

 

 

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

 

 

 

 

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

 

 

 

 

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

 

 

 

 

 

INDUSTRIES ( % of Growth ) :

 

 

 

 

 

Agriculture

 

 

 

 

 

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

 

 

 

 

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

 

 

 

 

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

 

 

 

 

 

Services

 

 

 

 

 

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

 

 

 

 

 

* Based on Index of Industrial Production (2011 = 100)

 

 

 

 

 

 

 

INDUSTRY ANALYSIS

 

INDUSTRY :

MANUFACTURING

 

 

 

In the third quarter of 2014, manufacturing output has increased by 1.9%, extending the 1.5% growth in the previous quarter. Growth was largely driven by the biomedical manufacturing and chemicals clusters. Besides, for the whole 2013, the manufacturing sector grew by 1.7%, an uptick from the 0.3% growth recorded in the previous year. All clusters recorded an expansion in 2013, except the biomedical manufacturing cluster.

 

The chemicals cluster grew by 5.2% in the third quarter of 2014. Growth was led by the petrochemicals and specialty chemicals segments, which expanded by 8.9% and 7.1% respectively. By contrast, the petroleum segment contracted by 4.2% in the third quarter of 2014 due to plant maintenance shutdowns. For the year of 2013, the chemicals cluster grew only by 0.7%.

 

Besides, output of the biomedical manufacturing cluster expanded by 9.0% in the third quarter of 2014. The medical technology segment posted robust growth of 23% due to higher production of medical instruments and supplies, while the output of the pharmaceuticals segment rose by 6.2%. However, in the whole of 2013, the biomedical manufacturing cluster recorded only a flat growth.

 

In the third quarter of 2014, the transport engineering cluster contracted by 2.0%, dragged down by the aerospace segment. Output in the aerospace segment plunged by 18% on the back of fewer repair jobs from commercial airlines. This was mitigated by the 4.1% growth in the marine & offshore engineering segment, which was supported by higher contributions from rig building projects. Nonetheless, for the whole of 2013, the transport engineering cluster grew by 5.2%.

 

Moreover, output of the precision engineering cluster increased by 1.3% in the third quarter of 2014. The machinery & systems segment grew by 6.2%, supported by higher demand for semiconductor-related equipment and mechanical engineering work. This was partly offset by the decline in the output of the precision modules & components segment. Conversely, in the full year of 2013, the precision engineering cluster's output declined by 5.6%.

 

Furthermore, in the third quarter of 2014, output of the general manufacturing industries declined by 3.0%. The 2.1% growth in the food, beverages & tobacco segment was more than offset by declines in the other two segments. In particular, the miscellaneous industries segment contracted by 4.7% on the back of lower output in construction-related products, such as concrete & cement products and steel structural components. For the full year of 2013, the general manufacturing cluster grew by 2.8%.

 

Besides, in the third quarter of 2014, the electronics cluster expanded by 0.9%, reversing the 5.0% contraction in the previous quarter. Growth was supported by an expansion in the computer peripherals (6.3%) and data storage (2.6%) segments. Moreover, for the year 2013, the electronics cluster expanded by 3.5%.

 

 

OVERALL INDUSTRY OUTLOOK : MATURE



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 1993, the Subject is an Exempt Private company, focusing on manufacture of refrigerant products and its related parts. The Subject has been in business for over two decades. It has built up a strong clientele base and satisfactory reputation will enable the Subject to further enhance its business in the near term.  The Subject is expected to enjoy a stable market shares. A paid up capital of SGD 1,000,000 allows the Subject to expand its business more comfortably. However, the Subject does not have strong shareholders’ backing. Without a strong shareholders' backing, the opportunity of the Subject to expand its business is limited.

Over the years, the Subject has penetrated into both the local and overseas market. The Subject has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the Subject to further enhance its business in the near term. Being a small company, the Subject's business operation is supported by 30 employees. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.

As the Subject is registered as an Exempt Private company, it is not required to file financial statements for public review. As such, we are unable to ascertain its present financial health.


The industry has reached its optimum level and is generally stable. It is saturated and very competitive. Thus, the Subject's growth prospect is very much depends on its capacity in sustaining its performance in the market.

In view of the above, we only recommend credit be proceeded to the Subject with guarantee.

 



PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

KALTECH ENGINEERING & REFRIGERATION PTE LTD

 

Financial Year End

2009-12-31

Months

12

Consolidated Account

Company

Audited Account

YES

Unqualified Auditor's Report (Clean Opinion)

YES

Financial Type

SUMMARY

Currency

SGD

 

 

TURNOVER

24,169,226

 

----------------

Total Turnover

24,169,226

 

----------------

 

 

PROFIT/(LOSS) FROM OPERATIONS

1,345,806

 

----------------

PROFIT/(LOSS) BEFORE TAXATION

1,345,806

Taxation

(242,257)

 

----------------

PROFIT/(LOSS) AFTER TAXATION

1,103,549

 

----------------

PROFIT/(LOSS) BEFORE EXTRAORDINARY ITEMS

1,103,549

 

----------------

PROFIT/(LOSS) ATTRIBUTABLE TO SHAREHOLDERS

1,103,549

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

As previously reported

4,191,508

 

----------------

As restated

4,191,508

 

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

5,295,057

 

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

5,295,057

 

=============

 

 

BALANCE SHEET

 

 

KALTECH ENGINEERING & REFRIGERATION PTE LTD

 

ASSETS EMPLOYED:

 

FIXED ASSETS

1,217,075

 

 

 

----------------

TOTAL LONG TERM ASSETS

1,217,075

 

 

TOTAL CURRENT ASSETS

8,266,100

 

----------------

TOTAL ASSET

9,483,175

 

=============

 

 

TOTAL CURRENT LIABILITIES

3,013,853

 

----------------

NET CURRENT ASSETS/(LIABILITIES)

5,252,247

 

----------------

TOTAL NET ASSETS

6,469,322

 

=============

 

 

SHARE CAPITAL

 

Ordinary share capital

1,000,000

 

----------------

TOTAL SHARE CAPITAL

1,000,000

 

 

Retained profit/(loss) carried forward

5,295,057

Others

0

 

----------------

TOTAL RESERVES

5,295,057

 

 

 

----------------

SHAREHOLDERS' FUNDS/EQUITY

6,295,057

 

 

TOTAL LONG TERM LIABILITIES

174,265

 

----------------

 

6,469,322

 

=============


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs. 63.31

UK Pound

1

Rs. 98.67

Euro

1

Rs. 78.10

 

 

INFORMATION DETAILS

 

Analysis Done by :

RSM

 

 

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%)

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.