MIRA INFORM REPORT

 

 

Report Date :

08.02.2014

 

IDENTIFICATION DETAILS

 

Name :

LABORATORIOS DE COSMETICA Y FARMOQUIMICA S.A

 

 

Registered Office :

Victor Eduardo 2293, Miraflores Bajo, La Paz

 

 

Country :

Bolivia 

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

20.09.1973

 

 

Legal Form :

Joint-Stock Company

 

 

Line of Business :

Subject is engaged in manufacture, import, representation and trading of pharmaceutical products for human use, medicinal chemicals, and botanical products.

 

 

No. of Employees :

314

 

 

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 :

No complaints

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, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

Bolivia 

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

BOLIVIA - ECONOMIC OVERVIEW

 

Bolivia is one of the poorest and least developed countries in Latin America. Following a disastrous economic crisis during the early 1980s, reforms spurred private investment, stimulated economic growth, and cut poverty rates in the 1990s. The period 2003-05 was characterized by political instability, racial tensions, and violent protests against plans - subsequently abandoned - to export Bolivia's newly discovered natural gas reserves to large Northern Hemisphere markets. In 2005, the government passed a controversial hydrocarbons law that imposed significantly higher royalties and required foreign firms then operating under risk-sharing contracts to surrender all production to the state energy company in exchange for a predetermined service fee. The global recession slowed growth, but Bolivia recorded the highest growth rate in South America during 2009. During 2010-12 high world commodity prices sustained rapid growth and large trade surpluses. However, a lack of foreign investment in the key sectors of mining and hydrocarbons, along with growing conflict among social groups pose challenges for the Bolivian economy.

 

Source : CIA

 


IDENTIFICATION

 

CORRECT COMPANY NAME

LABORATORIOS DE COSMETICA Y FARMOQUIMICA S.A

TRADE NAME

LABORATORIOS COFAR

TAXPAYER REGISTRATION

NIT 1020603028

MAIN ADDRESS

Victor Eduardo 2293, Miraflores Bajo

DEPT/PROV/REGION/STATE

La Paz

COUNTRY

BOLIVIA

TELEPHONE

(5912) 2220352

CORPORATE E-MAIL

rmarquez@cofar.com.bo

WEB

www.cofar.com.bo

 

 

EXECUTIVE SUMMARY

 

Date of foundation

1973

Capital stock

Bs.3,602,200.= Bolivianos

Shareholders' equity

54,755,993.00 Bolivianos (31MAR2012)

Annual revenues

US$ 12,247,755.79 Bolivianos (31MAR2012)

Profits (loss)

16,020,138.00 Bolivianos (31MAR2012)

permanent employees

314

Chief Executive

GRANIER CARDONA, ALEX JULIO RAFAEL

Disposition

REPORT PREPARED FROM OUTSIDE SOURCES.

Payments policy

Usually to terms / good

Number of times that this company was required: 6

 

 

REPUTATION

 

NOTHING AGAINST COMPANY

 

 

LEGAL STRUCTURE

 

LEGAL STATUS

Joint-Stock Company

 

 

DATE OF INCORPORATION

20SEP1973

 

 

PLACE OF REGISTRY

La Paz

 

 

CURRENT PAID-IN CAPITAL

Bs.3,602,200.= Bolivianos

 

 

SHAREHOLDERS EQUITY

54,755,993.00 Bolivianos (31MAR2012)

 

 

CURRENT EXCHANGE RATE (US$)

Bs.6.87 per US$1.= Dollar

 

 

MEMBERSHIP

CAMARA DE LA INDUSTRIA FARMACEUTICA BOLIVIANA

 

 

COMMENTS

 

Subject's Legal Representation shall be perfomed by the General Manager.

 


DIRECTORS - EXECUTIVES – SHAREHOLDERS

 

FULL NAMES / COMPANY NAME

TITLE

%PART.

SINCE

HANDAL KATMNI, LEONARDO

President

90%

 

GRANIER CARDONA, ALEX JULIO RAFAEL

General Manager

 

 

ZEGARRA DEHEZA, ERNESTO OSCAR

Admin. & Finance Manager

 

 

RIVERA, JUAN ALBERTO

Industrial Manager

 

 

MARQUEZ, RAMIRO

General Accountant

 

 

ROJAS URQUIZO, LUIS FERNANDO

Costs & Budget Supervisor

 

 

HANDAL JAUREGUI, LEONARDO

Shareholder

05%

 

JAUREGUI DE HANDAL, CARMEN

Shareholder

05%

 

 

 

 

WHO IS WHO?

 

HANDAL KATMNI, LEONARDO

TITLE

President

NATIONALITY

Bolivian

D.O.B.

1934

CIVIL STATUS

Married to Carmen Jauregui

DOMICILE

C B No 3 Z La Florida, La Paz

TELEPHONE

2775137

PROFESSION

Business Administrator

BACKGROUND INFORMATION

He was born in Santa Cruz, but he has lived in La Paz since he was a child. He graduated from the school San Calixto and studied in the University of La Plata (Buenos Aires, Argentina), from where he graduated as business administrator.

 

 

ASSOCIATED AS PER OUR DATABASE TO

COMPANY

TITLE

TAX REG

COUNTRY

NOVARA GALINDO ORELLANA S.R.L.

President

1020295022

BOLIVIA

 

 

 

 

GRANIER CARDONA, ALEX JULIO RAFAEL

TITLE

General Manager

CIVIL STATUS

Married

PROFESSION

Master in Business Administration

BACKGROUND INFORMATION

Master's degree in Business Administration at Harvard Business School (1996 - 1997)

 

Bacherlor's degree, Industrial Engineer from Universidad Mayor de San Andrés (1983 - 1988)

 

He has a Master's degree in Business Administration from INCAE, campus Francisco de Sola, Managua, Nicaragua (1996-1997).

 

 

 

 

HANDAL JAUREGUI, LEONARDO

TITLE

Shareholder

NATIONALITY

Bolivian

CIVIL STATUS

Married to Carolina Canelas Arze

PROFESSION

Business Administrator

FATHER'S NAME

Laonardo Handal

MOTHER'S NAME

Carmen Jauregui

 

 

ASSOCIATED AS PER OUR DATABASE TO

COMPANY

TITLE

TAX REG

COUNTRY

NOVARA GALINDO ORELLANA S.R.L.

General Manager

1020295022

BOLIVIA

 

 

BUSINESS HISTORY

 

Subject was incorporated on 20/09/1973. To date, it is one of most prestigious industrial pharmaceutical companies in Bolivia. Its Industrial Plant is located in La Paz, and currently covers the manufacture and sale of medicines.It has three divisions: Industira Divisionl, Commercial Division, and Administrative and Financial Division.

 

The production of LABORATORIOS COFAR S.A. is sold through its own agencies in all the capital cities of departments and some intermediate cities, currently reaching with all the range of products to drugstores, hospitals, clinics, institutions and other clients from the four cardinal points of the country. Subject's current growth is based on the consolidation of the established products and on aggresive policies introducing new molecules in the market and an efficient process administration and production systems; with a permanent selection, evaluation and training of its human resources.

 

 

 

RELATED COMPANIES TO SUBJECT COMPANY OR TO MAJORITY SHAREHOLDER

 

COMPANY NAME

COUNTRY

TAX REG.

RELATION %

NOVARA GALINDO ORELLANA S.R.L.

BOLIVIA

(AC) 1020295022

Related

 

 

 

BUSINESS

 

SIC Classification

2 8 - CHEMICALS, PHARMACEUTICALS INDUSTRY AND ALLIED PRODUCTS. (Manuf.Pigments, Resins, Plastics, Serums, Perfums, Paints, Fertilizers, Explosives. Medicines.)

Main activity

Subject is engaged in manufacture, import, representation and trading of pharmaceutical products for human use, medicinal chemicals, and botanical products.

 

Sold brands: COFAR - CANESZOL - CIPROFLOXACINA - CLOBETASOL - COFADERM -  COFALGINA - COFAMIN - DIGESTOFAR - DIUFLUX - KETUMDOL - XELPRIM, among others.

 

It is an exclusive representative of BRESKOT PHARMA and VIDILINE.

O P E R A T I O N S

Import

Yes

Country

Germany, Chile, Switzerland

Export

Yes

COUNTRY

Honduras, Guatemala

% CASH SALES / METHOD

70%

% Credit SALES / Terms

30% (30-day terms)

% Ventas exterior (Paises)

3%

% DOMESTIC PURCHASES

30%

% FOREIGN PURCHASES

70%

SELLING TerritorY

Domestic and international market

EMPLOYEES

314

LOCATION

PREMISES

Own Settled

OTHER PREMISES

Subject's production plant is located on the above-mentioned address.

 

PACKAGING INDUSTRIAL PLANT:

Av. Quintanilla Zuazo 90 V Victoria, La Paz. Tel.: 2451857

 

BRANCHES:

Subject has 12 sales branches; 3 in La Paz and 9 int the following cities: El Alto, Cochabamba, Quillacollo, Santa Cruz, Potosi, Sucre, Tarija and Trinidad (rented premises).

Comments

 

The production of LABORATORIOS COFAR S.A. is sold through its own agencies in all the capital cities of departments and some intermediate cities, currently reaching with all the range of products to drugstores, hospitals, clinics, institutions and other clients from the four cardinal points of the country.

 

 

 

FINANCIAL INFORMATION

 

Disposition

REPORT PREPARED FROM OUTSIDE SOURCES.

Interviewee(s)

Ramiro Márquez

Position(s)

General Accountant

Information provided

To the date of this report, he did not answer our request; threrefore, this report was developed with information that was collected from third-party sources.

 

 

BALANCE SHEET

Balance sheet date

31MAR2012

31MAR2011

31MAR2009

 

Type of balance sheet

Annual

Annual

Annual

 

Period

12 months

12 months

12 months

 

Currency

Bolivianos

Bolivianos

Bolivianos

 

Exchange rate per US$

6.74

6.95

7.02

 

A S S E T S

 

 

 

 

Current Assetsd

75,864,936.00

56,056,840.00

37,134,188.00

 

Fixed

5,959,310.00

12,331,542.00

11,469,120.00

 

Total Assets

81,824,246.00

68,388,382.00

48,603,308.00

 

L I A B I L I T I E S

 

 

 

 

Current liabilities

23,574,170.00

18,207,213.00

9,131,088.00

 

Long term

3,494,083.00

3,127,534.00

2,193,496.00

 

TOTAL LIABILITIES

27,068,253.00

21,334,747.00

 

 

S H A R E H O L D E R S'  E Q U I T Y

 

 

 

 

Total shareholders equity

54,755,993.00

47,053,635.00

37,278,724.00

 

Total Liab. / Sh. equity

81,824,246.00

68,388,382.00

48,603,308.00

 

Sales

82,549,874.00

39,307,170.00

49,488,512.00

 

Profit (Loss)

16,020,138.00

9,913,165.00

8,976,303.00

 

 

R A T I O

 

Liquidity ratio

3.22

Current assets / Current liabilities

Debt-to-equity ratio

232.27 %

(Shareholders' equity / Current liabilities %)

Profitability margin

19.41 %

(Profits / Sales %)

Working capital

52,290,766.00

(Current assets - Current liabilities)

FINANCIAL SITUATION

GOOD

Based on the last Financial Statement, this company's Financial Situation is deemed to be Satisfactory because its liquidity ratio is appropriate and above average. Its working capital is positive, which allows the company to pay appropriately. Its debt-to-equity ratio is acceptable. Economic results have been satisfactory.

 

It should be mentioned that in consulted sources it was not found any adverse.

 

 

 

 

 

INSURANCE

COMPANY

AGAINST

AMOUNT

ALIANZA COMPAÑÍA DE SEGUROS Y REASEGUROS

All risk

US$800,000.=

 


TRADE REFERENCES, CREDIT BUREAU, LAWSUITS, BANKS

 

(Confidential Information)

 

TRADE REFERENCES

 

Supplier: ENLAPAZ S.R.L

Tel.: 5912 2807226

Country: BOLIVIA

Goods/Services? : Aluminium containers

 

 

Highest credit? : DC 50,000.=

 

No Balance At This Time

Client since? : 2006

Terms? : 30 days

Performance? : Prompt

Supplier: BRENTAG BOLIVIA S.R.L

Tel.: 5913 3853121

Country: BOLIVIA

Goods/Services? : Chemicals

 

 

Highest credit? : US$ 7,200.=

 

No Balance At This Time

Client since? : 2007

Terms? : 30 days

Performance? : Sometimes delayed

Supplier: COM S.A

Tel.: 5912 2458258

Country: BOLIVIA

Goods/Services? : Supplies

 

 

Highest credit? : US$ 2,000.=

 

 

Client since? : 1999

Terms? : 30 days

Performance? : Prompt

Supplier: FABRICA BOLIVIANA DE ENVAES

Tel.: 5914 4288288

Country: BOLIVIA

Goods/Services? : Containers for nutritious food

 

 

Highest credit? : US$ 3,000.=

 

 

Client since? : 2008

Terms? : 30 days

Performance? : Prompt

Supplier: INDUSTRIA LARA BISCH S.A

Tel.: 5912 2452121/8133

Country: BOLIVIA

Goods/Services? : Cases, bags, and invoices

 

 

Highest credit? : DC 45,000.=

 

No Balance At This Time

Client since? : 2004

Terms? : 60 days

Performance? : Prompt

Note : Other suppliers did not provide information or could not be consulted

 

Supplier

Country

MATRIPLAST S.A.

BOLIVIA

CAMPO IRIS IMPRENTA

BOLIVIA

SELECTCHEMIE AG.

SWITZERLAND

FAVIMA LTDA.

CHILE

SANDER & CIA LTDA-ME

BRAZIL

 

Comments :


BCO NACIONAL DE BOLIVIA BCO DE CREDITO DE BOLIVIA

 

 

 

GENERAL INFORMATION

 

Explanation about commercial reputation                                                                                                 

                                                                                                                                                                                 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.32

UK Pound

1

Rs.101.78

Euro

1

Rs.84.68

 

 

INFORMATION DETAILS

 

Report Prepared by :

NNA

 

 

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.