MIRA INFORM REPORT
|
Report Date : |
23.12.2014 |
IDENTIFICATION DETAILS
|
Name : |
MANTAFIL S.P.A. |
|
|
|
|
Registered Office : |
Galleria De
Cristoforis, 3 20122 - Milano (MI) |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as on) : |
31.12.2013 |
|
|
|
|
Date of Incorporation : |
21.04.1980 |
|
|
|
|
Legal Form : |
Joint Stock Company |
|
|
|
|
Line of Business : |
Manufacture of Textiles. |
|
|
|
|
No. of Employees : |
From 16 to 25 |
RATING & COMMENTS
|
MIRA’s Rating : |
Ba |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
1-55 |
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 |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
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Restricted |
C2 |
|
Off-credit |
D |
|
Source
: CIA |
Company Name and address
MANTAFIL S.P.A.
Galleria De
Cristoforis, 3
20122 - Milano (MI) -IT-
Summary
|
Fiscal Code |
: |
05831970156 |
|
Legal Form |
: |
Joint stock company |
|
start of Activities |
: |
21/04/1980 |
|
Equity |
: |
Over 2.582.254 |
|
|
: |
75.000.000/100.000.000 |
|
Number of Employees |
: |
from 16 to 25 |
Activity
MANUFACTURE OF TEXTILES
Preparation and spinning of textile fibres
Legal Data
Legal Form :
Joint stock company
Fiscal Code :
05831970156
Foreign Trade Reg. no. :
MI085072 since 07/01/1992
Foreign Trade Reg. no. :
085072 of Milano since 07/01/1992
Chamber of Commerce no. :
185315 of
Chamber of Commerce no. :
1040000 of Milano since 16/05/1980
Firms' Register :
MI146-194627 of Milano since 19/02/1996
V.A.T. Code :
05831970156
Tribunal Co. Register :
194627 of
|
Foundation date |
: 21/04/1980 |
|
Establishment date |
: 21/04/1980 |
|
Start of Activities |
: 21/04/1980 |
|
Legal duration |
: 31/12/2050 |
|
Nominal Capital |
: 5.160.000 |
|
Subscribed Capital |
: 5.160.000 |
|
Paid up Capital |
: 5.160.000 |
Members
|
|
L'alba - S.p.a. |
|
|
|
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
|
|
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Bezzi |
Maria Chiara |
|
|
|
Born |
on 22/09/1953 |
- Fiscal Code : BZZMCH53P62D697Q |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
|
|
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Bezzi |
Giuseppe |
|
|
|
Born in Sarnico |
(BG) |
on 19/09/1964 |
- Fiscal Code : BZZGPP64P19I437X |
|
|
|
Residence: |
|
|
, 9 |
- 24064 |
Grumello del Monte |
(BG) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
14/06/2012 |
|
|
|
|
Bersini |
Andrea |
|
|
|
Born in Palazzolo sull'Oglio |
(BS) |
on 19/11/1949 |
- Fiscal Code : BRSNDR49S19G264O |
|
|
|
Residence: |
|
Papa Giovanni Xxiii |
, 33 |
- 24060 |
Credaro |
(BG) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
14/06/2012 |
|
|
|
Board Chairman |
14/06/2012 |
|
|
|
|
No Prejudicial events are reported |
|
|
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.
|
|
Bersini |
Andrea |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
T.e.s.t.a. Tessitura |
Romentino (NO) - IT - |
00111050035 |
Director |
Active |
Registered |
|
L'alba - S.p.a. |
Milano (MI) - IT - |
13161010155 |
Sole Director |
Active |
Registered |
|
MANIFATTURA ARTIGIANA DI BEZZI GIUSEPPEE BERSINI ANDREA S.N.C. |
Milano (BG) - IT - |
00267600161 |
Partner |
Withdrawn |
Registered |
|
Pant-fil S.n.c. Di Andrea Bersini E C. |
Credaro (BG) - IT - |
00853200160 |
Partner |
Withdrawn |
Ceased |
|
BERSINI ANDREA |
CREDARO (BS) - IT - |
BRSNDR49S19G264O |
Proprietor |
Withdrawn |
Registered |
|
FILATURA DI SAN GIUSTO SOC. A R.L. IN LIQUIDAZIONE |
Romentino (TS) - IT - |
00137040325 |
Liquidator |
Withdrawn |
Registered |
|
Immobiliare Alba - S.r.l. |
Milano (MI) - IT - |
04604290967 |
Sole Director |
Active |
Registered |
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 |
|
Bezzi Maria Chiara |
|
BZZMCH53P62D697Q |
1.681.298 .Eur |
32,58 |
|
Bersini Vera |
|
BRSVRE79B53L388P |
898.804 .Eur |
17,41 |
|
L'alba - S.p.a. |
|
13161010155 |
2.579.896 .Eur |
49,99 |
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 |
|
T.e.s.t.a. Tessitura E Stampa Tessuti E Abbigliamento S.p.a. |
Romentino - IT - |
00111050035 |
637.000 .Eur |
24,50 |
|
|
Active |
Firm's location and structure
In order to carry out its activities the firm uses the following
locations:
|
- |
Legal and operative seat |
|
|
|
|
|
|
|
De Cristoforis |
, 3 |
- 20100 |
- Milano |
(MI) |
- IT - |
|
|
|
|
PHONE |
: 035848748 |
|
- |
Branch |
|
since 12/06/2003 |
|
|
|
|
|
|
San Domenico |
, 6 |
- 20025 |
- Legnano |
(MI) |
- IT - |
|
- |
Branch |
(Factory) |
since 01/06/2011 |
|
|
|
|
|
|
Marconi |
, 31 |
- 24050 |
- Mornico Al Serio |
(BG) |
- IT - |
|
- |
Branch |
(Warehouse) |
since 19/11/2012 |
|
|
|
|
|
|
Don Alessandro Ravizza |
, 20 |
- 24060 |
- Castelli Calepio |
(BG) |
- IT - |
|
|
|
|
Employees |
: 17 |
|
Fittings and Equipment for a value of 100.000 |
Eur |
|
Stocks for a value of 12.620.000 |
Eur |
|
Vehicles for a value of 150.000 |
Eur |
|
|
The firm operates abroad as importer..
Import represents the 40 % of the total purchases.
To purchase foreign products the firm uses the following channels :
|
- distributors |
Import comes generally from the following nations:
|
- Gabon |
Historical Information and/or
Firm's Status
EX-MEMBERS / EX-POSITIONS:
|
|
Bersini |
Andrea |
|
|
|
Born in Palazzolo sull'Oglio |
(BS) |
on 19/11/1949 |
- Fiscal Code : BRSNDR49S19G264O |
|
|
|
Residence: |
|
Papa Giovanni Xxiii |
, 33 |
- 24060 |
Credaro |
(BG) |
- IT - |
|
Ex-Postions |
|
Chairman |
|
Director |
|
|
Modina |
Pierluigi |
|
|
|
Born in Castelli Calepio |
(BG) |
on 09/09/1944 |
- Fiscal Code : MDNPLG44P09C079E |
|
|
|
Residence: |
|
Piave |
, 15 |
- 24060 |
Castelli Calepio |
(BG) |
- IT - |
|
Ex-Postions |
|
Managing Director |
|
|
L'alba - S.p.a. |
|
|
- Fiscal Code : 13161010155 |
|
|
|
Residence: |
|
De Cristoforis |
, 3 |
- 20122 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Partner |
|
|
BEZZI |
GIOVANNI |
|
|
|
Born in FORESTO SPARSO |
(BG) |
on 10/06/1926 |
- Fiscal Code : BZZGNN26H10D697F |
|
|
|
Residence: |
|
BRESCIA |
, 9 |
- 24064 |
Grumello del Monte |
(BG) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Bezzi |
Maria Chiara |
|
on 22/09/1953 |
- Fiscal Code : BZZMCH53P62D697Q |
|
Ex-Postions |
|
Partner |
|
Partner |
|
|
L'alba - S.p.a. |
|
|
- Fiscal Code : 13161010155 |
|
Ex-Postions |
|
Partner |
|
|
Munafo' |
Giuseppe |
|
|
|
Born in Milano |
(MI) |
on 31/07/1963 |
- Fiscal Code : MNFGPP63L31F205M |
|
|
|
Residence: |
|
Boccherini Luigi |
, 26 |
- 20131 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Mason |
Carlo Luigi |
|
|
|
Born in Tradate |
(VA) |
on 03/02/1971 |
- Fiscal Code : MSNCLL71B03L319I |
|
|
|
Residence: |
|
Carlo Carcaneo |
, 27 |
- 21100 |
Varese |
(VA) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Prandina |
Lorenzo |
|
|
|
Born in Milano |
(MI) |
on 12/11/1961 |
- Fiscal Code : PRNLNZ61S12F205X |
|
|
|
Residence: |
|
Piero Bottoni |
, 1 |
- 20123 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
BERSINI |
ANDREA |
|
|
|
Born in PALAZZOLO SULL'OGLIO |
(BS) |
on 19/11/1949 |
- Fiscal Code : BRSNDR49S19G264O |
|
|
|
Residence: |
|
PAPA GIOVANNI XXIII |
, 0023 |
CREDARO |
(BG) |
- IT - |
|
Ex-Postions |
|
Director |
|
Board Chairman |
|
|
Banfi |
Felice |
|
|
|
Born in ROVELLO PORRO |
(CO) |
on 18/10/1933 |
- Fiscal Code : BNFFLC33R18H602Y |
|
|
|
Residence: |
|
PAGANI |
, 14 |
- 21047 |
Saronno |
(VA) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Bizioli |
Luciano |
|
|
|
Born in ADRARA SAN MARTINO |
(BG) |
on 13/07/1940 |
- Fiscal Code : BZLLCN40L13A057J |
|
|
|
Residence: |
|
PAPA GIOVANNI XXIII |
, 0014 |
- 24060 |
Adrara San Martino |
(BG) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
Permanent Auditor |
|
|
Marnati |
Gian Mario |
|
|
|
Born in Legnano |
(MI) |
on 18/12/1963 |
- Fiscal Code : MRNGMR63T18E514T |
|
|
|
Residence: |
|
Sempione |
, 56 |
- 20025 |
Legnano |
(MI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Moggio |
Franco |
|
|
|
Born in Gallarate |
(VA) |
on 01/07/1923 |
- Fiscal Code : MGGFNC23L01D869X |
|
|
|
Residence: |
|
Palestro |
, 17 |
- 21013 |
Gallarate |
(VA) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
CEASINGS/INCORPORATIONS/MERGES:
|
|
Splitting-up project and setting-up of new co |
|
|
|
Date |
Merging/Splitting-up Project-New Company: |
14/02/2004 |
|
|
Splitting-up and setting-up of a new company |
|
|
|
|
|
|
|
|
De Cristoforis |
, 3 |
, 20122 |
, Milano |
(MI) |
- IT - |
|
|
|
Fiscal Code: 04604290967 |
|
|
Date |
Splitting-up: |
16/11/2004 |
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 |
|
SANPAOLO IMI S.P.A. FUS. INTESA SAN PAO |
|
|
|
|
1025 |
0 |
Financial and Economical
Analysis
Subject is active since 1980
The eonomic-financial analysis is based on the latest 3 b/s.
During the last years, it recorded positive net results (r.o.e. 0,53% in
2013) with a stable trend in the turnover.
The operating result in 2013 was positive (5,17%) falling within the
field's average.
The amount of the operating result is equal to Eur. 2.580.245 with no
increase in relation to the financial year 2012.
A gross operating margine for a value of Eur. 2.889.699 was reached.
with no sensible increase as against 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
5,41
The equity capital is equal to Eur. 7.729.748 , stable in comparison
with the value of the previous year.
In the year 2013 total debts amounted to Eur. 41.927.681 with no
important change.
Bank borrowings' volume is slightly high but the recourse to suppliers'
credit is modest which is also lower than the sector average.
Payments are supported by good current assets.
Trade credits average terms are slow, on average 145,4 days. besides
being higher than the sector's average.
The financial management generated a cash flow of Eur. 350.240.
During 2013 financial year labour costs amounted to Eur. 836.402, with a
1,03% incidence on production costs. , whereas the incidence on sales revenues
is of 1%.
High incidence of financial charges on turnover.
Financial Data
|
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
83.403.114 |
|
Profit (Loss) for the period |
40.786 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
84.987.089 |
|
Profit (Loss) for the period |
85.454 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
98.190.793 |
|
Profit (Loss) for the period |
232.588 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
106.151.204 |
|
Profit (Loss) for the period |
2.106.698 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2009 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
55.000.016 |
|
Profit (Loss) for the period |
297.134 |
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 |
0,02 |
0,02 |
0,02 |
0,29 |
|
Elasticity Ratio |
Units |
0,98 |
0,98 |
0,98 |
0,70 |
|
Availability of stock |
Units |
0,25 |
0,34 |
0,39 |
0,26 |
|
Total Liquidity Ratio |
Units |
0,72 |
0,63 |
0,58 |
0,39 |
|
Quick Ratio |
Units |
0,01 |
0,01 |
0,01 |
0,01 |
|
COMPOSITION ON
SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
5,41 |
5,41 |
5,72 |
1,69 |
|
Self Financing Ratio |
Units |
0,15 |
0,15 |
0,14 |
0,29 |
|
Capital protection Ratio |
Units |
0,33 |
0,32 |
0,29 |
0,71 |
|
Liabilities consolidation quotient |
Units |
0,01 |
0,01 |
0,01 |
0,26 |
|
Financing |
Units |
5,42 |
5,45 |
5,84 |
2,12 |
|
Permanent Indebtedness Ratio |
Units |
0,16 |
0,16 |
0,15 |
0,45 |
|
M/L term Debts Ratio |
Units |
0,00 |
0,00 |
0,01 |
0,13 |
|
Net Financial Indebtedness Ratio |
Units |
3,65 |
3,72 |
3,99 |
0,96 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
7,16 |
7,01 |
6,55 |
1,38 |
|
Current ratio |
Units |
1,16 |
1,16 |
1,16 |
1,25 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,86 |
0,75 |
0,70 |
0,75 |
|
Structure's primary quotient |
Units |
6,95 |
6,79 |
6,14 |
0,90 |
|
Treasury's primary quotient |
Units |
0,01 |
0,01 |
0,01 |
0,03 |
|
Rate of indebtedness ( Leverage ) |
% |
645,57 |
648,77 |
690,33 |
339,62 |
|
Current Capital ( net ) |
Value |
6.846.545 |
6.836.998 |
7.088.235 |
1.615.606 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
0,42 |
0,66 |
0,71 |
1,74 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
0,53 |
1,11 |
3,06 |
0,25 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
3,13 |
3,51 |
7,18 |
2,94 |
|
Return on Investment ( R.O.I. ) |
% |
5,17 |
4,37 |
5,16 |
2,31 |
|
Return/ Sales |
% |
3,09 |
2,57 |
2,76 |
2,50 |
|
Extra Management revenues/charges incid. |
% |
1,58 |
3,92 |
8,58 |
8,02 |
|
Cash Flow |
Value |
350.240 |
560.625 |
699.650 |
210.372 |
|
Operating Profit |
Value |
2.580.245 |
2.180.450 |
2.710.744 |
359.192 |
|
Gross Operating Margin |
Value |
2.889.699 |
2.655.621 |
3.177.806 |
692.382 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
145,40 |
124,70 |
101,04 |
111,18 |
|
Debts to suppliers average term |
Days |
61,96 |
54,54 |
41,66 |
104,44 |
|
Average stock waiting period |
Days |
54,47 |
72,46 |
75,25 |
86,89 |
|
Rate of capital employed return ( Turnover ) |
Units |
1,67 |
1,70 |
1,87 |
1,04 |
|
Rate of stock return |
Units |
6,61 |
4,97 |
4,78 |
4,12 |
|
Labour cost incidence |
% |
1,00 |
0,98 |
0,76 |
15,12 |
|
Net financial revenues/ charges incidence |
% |
-2,80 |
-2,28 |
-1,96 |
-2,07 |
|
Labour cost on purchasing expenses |
% |
1,03 |
1,01 |
0,78 |
14,82 |
|
Short-term financing charges |
% |
6,16 |
5,16 |
5,07 |
3,48 |
|
Capital on hand |
% |
59,83 |
58,70 |
53,46 |
95,83 |
|
Sales pro employee |
Value |
3.207.812 |
4.856.405 |
5.775.929 |
237.592 |
|
Labour cost pro employee |
Value |
32.169 |
47.721 |
43.993 |
33.432 |
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 expences average in the region (in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Statistical Detrimental Data
Statistically the trade activity passes through serious crises.
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.63.18 |
|
|
1 |
Rs.98.85 |
|
Euro |
1 |
Rs.77.42 |
INFORMATION DETAILS
|
Analysis Done by
: |
SUB |
|
|
|
|
Report Prepared
by : |
NIT |
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.