MIRA INFORM REPORT

 

 

Report Date :

01.02.2014

 

IDENTIFICATION DETAILS

 

Name :

HORNBILL RUGGED NETWORKS PTE. LTD.

 

 

Registered Office :

156, Macpherson Road, 09-01, PSL Industrial Building, 348528

 

 

Country :

Singapore

 

 

Financials (as on) :

28.02.2013

 

 

Date of Incorporation :

15.09.2008

 

 

Com. Reg. No.:

200818183-E

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Trading of Military Grade, Ruggedized Computing and Communications Equipment

 

 

No. of Employees :

Not Available

 

 

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 – December 01, 2013

 

Country Name

Previous Rating

(30.09.2013)

Current Rating

(01.12.2013)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

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. Real GDP growth averaged 8.6% between 2004 and 2007. The economy contracted 0.8% in 2009 as a result of the global financial crisis, but rebounded 14.8% in 2010, on the strength of renewed exports, before slowing to 5.2% in 2011 and 1.3% in 2012, 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, which has sunk to an average of about 1.0% in the last decade. 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.

:

200818183-E

COMPANY NAME

:

HORNBILL RUGGED NETWORKS PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

15/09/2008

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

156, MACPHERSON ROAD , 09-01, PSL INDUSTRIAL BUILDING, 348528, SINGAPORE.

BUSINESS ADDRESS

:

156, MACPHERSON ROAD , 09-01, PSL INDUSTRIAL BUILDING, 348528, SINGAPORE.

TEL.NO.

:

65-68417794

FAX.NO.

:

65-68427191

CONTACT PERSON

:

SALLY ( STAFF )

 

 

 

 

 

 

PRINCIPAL ACTIVITY

:

TRADING OF MILITARY GRADE, RUGGEDIZED COMPUTING AND COMMUNICATIONS EQUIPMENT

 

 

 

ISSUED AND PAID UP CAPITAL

:

655,640.00 ORDINARY SHARE, OF A VALUE OF SGD 655,640.00

 

 

 

SALES

:

USD 5,561,040 [2013]

NET WORTH

:

USD 1,411,333 [2013]

 

 

 

STAFF STRENGTH

:

N/A

BANKER (S)

:

INDIAN OVERSEAS BANK

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

STRONG

PAYMENT

:

PROMPT

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 

HISTORY / BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. 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, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

 

The Subject is principally engaged in the (as a / as an) trading of military grade, ruggedized computing and communications equipment.

 

Share Capital History

Date

Issue & Paid Up Capital

30/01/2014

SGD 655,640.00

 

 

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


Name

Address

IC/PP/Loc No

Shareholding

(%)

SHETH VIJAY INDUBHAI +

89, YISHUN AVENUE 1, 09-09, THE ESTUARY, 769134, SINGAPORE.

G6236739W

652,372.00

99.50

NAND TRADING PRIVATE LIMITED

1-7, BIRJU APARTMENTS, OPP AZAD SOCIETY, AMBAWADI, AHMEDABAD, GUJARAT, 380015, INDIA.

T11UF1183

3,268.00

0.50

 

 

 

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

------

 

 

 

655,640.00

100.00

 

 

 

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

=====

 

+ Also Director

 

 

DIRECTORS

 

DIRECTOR 1

Name Of Subject

:

SHETH VIJAY INDUBHAI

Address

:

89, YISHUN AVENUE 1, 09-09, THE ESTUARY, 769134, SINGAPORE.

IC / PP No

:

G6236739W

 

 

 

 

 

 

 

 

 

Nationality

:

SINGAPOREAN

Date of Appointment

:

15/09/2008

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Management

 

1)

Name of Subject

:

SALLY

 

Position

:

STAFF

 


 

AUDITOR

 

Auditor

:

RAFFLES PAC

Auditor' Address

:

N/A

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

SALMIAH BINTE SARPIAI

 

IC / PP No

:

S1794643I

 

 

 

 

 

Address

:

643, HOUGANG AVENUE 8, 10-279, 530643, SINGAPORE.

 

 

 

 

 

 

 

 

 

 

BANKING

 

Banking relations are maintained principally with:

 

1)

Name

:

INDIAN OVERSEAS BANK

 

 

 

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C200907769

26/11/2009

N/A

INDIAN OVERSEAS BANK

-

Unsatisfied

C201204600

26/04/2012

N/A

INDIAN OVERSEAS BANK

-

Unsatisfied

 

 

LEGAL CHECK AGAINST SUBJECT

 

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

No legal action was found in our databank.


No winding up petition was found in our databank.

 

 

PAYMENT RECORD

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A

 


The staff from the registered office refused to disclose the Subject's suppliers.


The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that:

 

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

X

]

 

Good 31-60 Days

[

 

]

 

Average 61-90 Days

[

 

]

 

Fair 91-120 Days

[

 

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 

 

 

CLIENTELE

 

Local

:

N/A

 

 

 

Overseas

:

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The staff from the registered office refused to disclose the Subject's clientele.

 

 

OPERATIONS

 

Goods Traded

:

MILITARY GRADE, RUGGEDIZED COMPUTING AND COMMUNICATIONS EQUIPMENT

 

 

 

 

Branch

:

NO

 

 

Other Information:


The Subject is principally engaged in the (as a / as an) trading of military grade, ruggedized computing and communications equipment.


The staff from the registered office refused to disclose the Subject's operation.



CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that:

 

Telephone Number Provided By Client

:

65 68417794

Current Telephone Number

:

65-68417794

Match

:

YES

 

 

 

Address Provided by Client

:

#09-01, PSL INDUSTRIAL BUILDING, 156 MACPHERSON ROAD, SINGAPORE 348528

Current Address

:

156, MACPHERSON ROAD , 09-01, PSL INDUSTRIAL BUILDING, 348528, SINGAPORE.

Match

:

YES

 

Other Investigations

 

We contacted one of the staff from the Subject's registered office and she provided limited information.


She refused to disclose the Subject's number of employees.

 

 

FINANCIAL ANALYSIS

 

Profitability

 

 

 

 

 

 

Return on Shareholder Funds

:

Acceptable

[

27.58%

]

 

Return on Net Assets

:

Favourable

[

35.16%

]

 

 

 

 

 

 

 

 

The Subject's management had generated acceptable return for its shareholders using its assets.

 

 

 

 

 

 

 

Working Capital Control

 

 

 

 

 

 

Stock Ratio

:

Favourable

[

54 Days

]

 

Debtor Ratio

:

Favourable

[

53 Days

]

 

Creditors Ratio

:

Favourable

[

23 Days

]

 

 

 

 

 

 

 

 

The Subject's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

 

 

 

 

 

 

 

Liquidity

 

 

 

 

 

 

Liquid Ratio

:

Favourable

[

1.41 Times

]

 

Current Ratio

:

Unfavourable

[

1.96 Times

]

 

 

 

 

 

 

 

 

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

 

 

 

 

 

 

 

Solvency

 

 

 

 

 

 

Interest Cover

:

Acceptable

[

6.14 Times

]

 

Gearing Ratio

:

Favourable

[

0.00 Times

]

 

 

 

 

 

 

 

 

The Subject's interest cover was slightly low. If there is no sharp fall in its profit or sudden increase in the interest rates, we believe the Subject is able to generate sufficient income to service its interest and repay the loans. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overall Assessment :

 

 

 

 

 

 

The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject had an acceptable interest cover. If there is no sudden sharp increase in interest rate or fall in the Subject's profit, we do believe the Subject is able to generate sufficient cash flow to service its interest payment. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

 

 

 

 

 

 

 

Overall financial condition of the Subject : STRONG

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators :

2008

2009

2010

2011

2012

 

 

 

 

 

 

Population (Million)

4.84

4.98

5.08

5.18

5.31

Gross Domestic Products ( % )

1.5

(0.8)

14.5

4.9

1.3

Consumer Price Index

6.6

0.6

2.8

5.2

4.6

Total Imports (Million)

450,892.6

356,299.3

423,221.8

459,655.1

474,554.0

Total Exports (Million)

476,762.2

391,118.1

478,840.7

514,741.2

510,329.0

 

 

 

 

 

 

Unemployment Rate (%)

2.2

3.2

2.2

2.1

2.0

Tourist Arrival (Million)

10.12

9.68

11.64

13.17

14.37

Hotel Occupancy Rate (%)

81.0

75.8

85.6

86.5

86.4

Cellular Phone Subscriber (Million)

1.31

1.37

1.43

1.50

1.52

 

 

 

 

 

 

Registration of New Companies (No.)

25,327

26,414

29,798

32,317

31,892

Registration of New Companies (%)

(2.2)

4.3

12.8

8.5

(1.3)

Liquidation of Companies (No.)

10,493

22,393

15,126

19,005

17,218

Liquidation of Companies (%)

13.7

113.4

(32.5)

25.6

9.4

 

 

 

 

 

 

Registration of New Businesses (No.)

24,850

26,876

23,978

23,494

24,788

Registration of New Businesses (%)

0.36

8.15

(10.78)

2.02

5.51

Liquidation of Businesses (No.)

21,150

23,552

24,211

23,005

22,489

Liquidation of Businesses (%)

(0.8)

11.4

2.8

(5)

(2.2)

 

 

 

 

 

 

Bankruptcy Orders (No.)

2,326

2,058

1,537

1,527

1,748

Bankruptcy Orders (%)

(15.9)

(11.5)

(25.3)

(0.7)

14.5

Bankruptcy Discharges (No.)

1,500

3,056

2,252

1,391

1,881

Bankruptcy Discharges (%)

(7.7)

103.7

(26.3)

(38.2)

35.2

 

 

 

 

 

 

INDUSTRIES ( % of Growth ) :

 

 

 

 

 

Agriculture

 

 

 

 

 

Production of Principal Crops

(0.32)

3.25

(0.48)

4.25

3.64

Fish Supply & Wholesale

(6.31)

(1.93)

(10.5)

12.10

(0.5)

 

 

 

 

 

 

Manufacturing *

74.6

71.5

92.8

100.0

100.3

Food, Beverages & Tobacco

94.8

90.4

96.4

100.0

103.5

Textiles

180.1

145.9

122.1

100.0

104.0

Wearing Apparel

334.6

211.0

123.3

100.0

92.1

Leather Products & Footwear

128.2

79.5

81.8

100.0

98.6

Wood & Wood Products

132.0

101.4

104.0

100.0

95.5

Paper & Paper Products

101.0

95.4

106.1

100.0

97.4

Printing & Media

118.2

100.9

103.5

100.0

93.0

Crude Oil Refineries

113.1

96.4

95.6

100.0

99.4

Chemical & Chemical Products

84.5

80.3

97.6

100.0

100.5

Pharmaceutical Products

43.7

49.1

75.3

100.0

109.7

Rubber & Plastic Products

120.1

101.2

112.3

100.0

96.5

Non-metallic Mineral

96.5

91.9

92.5

100.0

98.2

Basic Metals

109.8

92.6

102.2

100.0

90.6

Fabricated Metal Products

101.3

90.8

103.6

100.0

104.3

Machinery & Equipment

65.0

57.3

78.5

100.0

112.9

Electrical Machinery

81.7

86.8

124.1

100.0

99.3

Electronic Components

93.1

85.2

113.6

100.0

90.6

Transport Equipment

102.0

96.0

94.0

100.0

106.3

 

 

 

 

 

 

Construction

45.90

(36.9)

14.20

20.50

28.70

Real Estate

(11.2)

1.4

21.3

25.4

31.9

 

 

 

 

 

 

Services

 

 

 

 

 

Electricity, Gas & Water

(1.3)

1.70

4.00

7.00

6.30

Transport, Storage & Communication

11.60

3.90

12.80

7.40

5.30

Finance & Insurance

(5.9)

(16.4)

(0.4)

8.90

0.50

Government Services

17.40

4.50

9.70

6.90

6.00

Education Services

0.50

0.10

(0.9)

(1.4)

0.30

 

 

 

 

 

 

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

 

 

 

 

 

 

 

INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

 

 

 

The wholesale and retail trade sector contracted by 1.5% in the fourth quarter of 2012, extending the 0.2% decline in the preceding quarter. For the whole of 2012, the sector declined by 0.7%, reversing the 1.6% growth in 2011. The sector was weighed down primarily by the wholesale trade segment. In 2012, the wholesale trade segment contracted by 1.0%, a reversal from the 1.4% growth in 2011. Growth of the retail trade segment also moderated to 2.0%, from 3.2% in the year 2011.

 

The domestic wholesale trade index grew by 1.2% in the fourth quarter of 2012, an improvement from the 5.4% decline in the third quarter. This was partly due to an increase in the sales of chemicals & chemical products and ship chandlers & bunkering. For the full year of 2012, the domestic wholesale trade index contracted by 2.2%, extending the 1.7% decline in 2011. The foreign wholesale trade index grew by 8.6% in the fourth quarter, an increase from the 6.6% growth in the third quarter. The expansion was partly due to resilient sales of petroleum & petroleum products. For the whole of 2012, the foreign wholesale trade index expanded by 9.1%, faster than the 4.3% increase in 2011.

 

In the fourth quarter of 2012, retail sales volume declined by 2.0%, extending the 0.3% decline in the third quarter. Excluding motor vehicles, retail sales volume grew by 0.4%, a slight moderation compared to the 1.5% gain in the third quarter of 2012. The sales volume of motor vehicles fell by 11% in the fourth quarter of 2012, after contracting by 6.1% in the third quarter. The sales of several discretionary items also declined in the fourth quarter. Besides, the sales of optical goods & books in 2012 fell by 3.6%, while the sales of telecommunications apparatus & computers declined by 1.4%.

 

For 2012 as a whole, retail sales volume grew by 1.3%, compared to the 2.0% expansion in 2011. Excluding motor vehicle sales, the increase in retail sales volume also moderated from 5.4% in 2011 to 1.7% in 2012. Medical goods & toiletries registered the largest increase (9.3%) in sales, followed by telecommunications apparatus & computers (6.9%). By contrast, the sales of watches & jewellery (-2.2%) and optical goods & books (-3.6%) declined.

 

 

 

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH

 

 

CREDIT RISK EVALUATION & RECOMMENDATION

 

Incorporated in 2008, the Subject is a Private Limited company, focusing on trading of military grade, ruggedized computing and communications equipment. Having been in business for 6 years, the Subject has established a remarkable clientele base for itself which has contributed to its business growth. The Subject is considered as a medium size company with issued and paid up capital standing at SGD 655,640.


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.


Return on shareholders' funds of the Subject was at an acceptable range which indicated that the management was efficient in utilising its funds to generate income. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at USD 1,411,333, the Subject should be able to maintain its business in the near terms.


Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises.


We regard that the Subject's overall payment habit is prompt. The Subject had a favourable creditors' ratio as evidenced by its favourable collection days.


The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry.


Based on its strong financial condition, we recommend credit be granted to the Subject promptly.

 


 

PROFIT AND LOSS ACCOUNT

 

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

 

HORNBILL RUGGED NETWORKS PTE. LTD.

 

Financial Year End

2013-02-28

2011-08-31

Months

18

12

Consolidated Account

Company

Company

Audited Account

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

Financial Type

FULL

FULL

Currency

USD

USD

 

 

 

TURNOVER

5,561,040

5,890,933

Other Income

87,422

3,357

 

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

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

Total Turnover

5,648,462

5,894,290

Costs of Goods Sold

(4,599,623)

(4,963,151)

 

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

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

Gross Profit

1,048,839

931,139

 

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

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

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

415,523

655,369

 

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

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

PROFIT/(LOSS) BEFORE TAXATION

415,523

655,369

Taxation

(26,340)

(90,982)

 

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

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

PROFIT/(LOSS) AFTER TAXATION

389,183

564,387

 

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

As previously reported

877,518

313,131

 

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

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

As restated

877,518

313,131

 

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

1,266,701

877,518

 

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

1,266,701

877,518

 

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

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

 

 

 

INTEREST EXPENSE (as per notes to P&L)

 

 

Trust receipts

80,764

52,910

 

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

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

 

80,764

52,910

 

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

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

 


 

BALANCE SHEET

 

HORNBILL RUGGED NETWORKS PTE. LTD.

 

CURRENT ASSETS

 

 

Stocks

815,667

1,141,524

Trade debtors

805,877

845,825

Other debtors, deposits & prepayments

730

-

Short term deposits

258,269

480,950

Loans & advances - current portion

952,000

-

Cash & bank balances

36,227

234,627

Others

9,029

26,937

 

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

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

TOTAL CURRENT ASSETS

2,877,799

2,729,863

 

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

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

TOTAL ASSET

2,877,799

2,729,863

 

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

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

 

 

 

CURRENT LIABILITIES

 

 

Trade creditors

294,021

104,562

Other creditors & accruals

61,001

128,930

Amounts owing to director

31,319

6,574

Provision for taxation

25,727

96,729

Other liabilities

1,054,398

1,370,918

 

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

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

TOTAL CURRENT LIABILITIES

1,466,466

1,707,713

 

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

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

NET CURRENT ASSETS/(LIABILITIES)

1,411,333

1,022,150

 

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

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

TOTAL NET ASSETS

1,411,333

1,022,150

 

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

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

 

 

 

SHARE CAPITAL

 

 

Ordinary share capital

144,632

144,632

 

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

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

TOTAL SHARE CAPITAL

144,632

144,632

 

 

 

RESERVES

 

 

Retained profit/(loss) carried forward

1,266,701

877,518

 

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

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

TOTAL RESERVES

1,266,701

877,518

 

 

 

 

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

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

SHAREHOLDERS' FUNDS/EQUITY

1,411,333

1,022,150

 

 

 

 

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

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

 

1,411,333

1,022,150

 

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

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

 

 

 

 


 

FINANCIAL RATIO

 

HORNBILL RUGGED NETWORKS PTE. LTD.

 

TYPES OF FUNDS

 

 

Cash

294,496

715,577

Net Liquid Funds

294,496

715,577

Net Liquid Assets

595,666

(119,374)

Net Current Assets/(Liabilities)

1,411,333

1,022,150

Net Tangible Assets

1,411,333

1,022,150

Net Monetary Assets

595,666

(119,374)

BALANCE SHEET ITEMS

 

 

Total Borrowings

0

0

Total Liabilities

1,466,466

1,707,713

Total Assets

2,877,799

2,729,863

Net Assets

1,411,333

1,022,150

Net Assets Backing

1,411,333

1,022,150

Shareholders' Funds

1,411,333

1,022,150

Total Share Capital

144,632

144,632

Total Reserves

1,266,701

877,518

LIQUIDITY (Times)

 

 

Cash Ratio

0.20

0.42

Liquid Ratio

1.41

0.93

Current Ratio

1.96

1.60

WORKING CAPITAL CONTROL (Days)

 

 

Stock Ratio

54

71

Debtors Ratio

53

52

Creditors Ratio

23

8

SOLVENCY RATIOS (Times)

 

 

Gearing Ratio

0.00

0.00

Liabilities Ratio

1.04

1.67

Times Interest Earned Ratio

6.14

13.39

Assets Backing Ratio

9.76

7.07

PERFORMANCE RATIO (%)

 

 

Operating Profit Margin

7.47

11.13

Net Profit Margin

7.00

9.58

Return On Net Assets

35.16

69.29

Return On Capital Employed

35.16

69.29

Return On Shareholders' Funds/Equity

27.58

55.22

Dividend Pay Out Ratio (Times)

0.00

0.00

NOTES TO ACCOUNTS

 

 

Contingent Liabilities

0

0

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.48

UK Pound

1

Rs.102.95

Euro

1

Rs.84.60

 

 

INFORMATION DETAILS

 

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

 

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%)

 

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.