MIRA INFORM REPORT

 

 

Report Date :

20.02.2014

 

IDENTIFICATION DETAILS

 

Name :

ALLESSA GMBH

 

 

Registered Office :

Alt-Fechenheim 34 D 60386 Frankfurt Post Box: 61 01 44, D 60382

 

 

Country :

Germany

 

 

Financials (as on) :

30.06.2012

 

 

Date of Incorporation :

07.11.2000

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Wholesale of chemical products

 

 

No. of Employees :

890

 

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)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, contributed to strong growth in 2006 and 2007 and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 6.5% in 2012. GDP contracted 5.1% in 2009 but grew by 4.2% in 2010, and 3.0% in 2011, before dipping to 0.7% in 2012 - a reflection of low investment spending due to crisis-induced uncertainty and the decreased demand for German exports from recession-stricken periphery countries. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011. In 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. By 2014, the federal government wants to balance its budget. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela Merkel announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production

 

Source : CIA

 

 

 

 


Company name and address

 

ALLESSA GMBH

 

 Company Status:         active

Alt-Fechenheim 34

D 60386 Frankfurt

Post Box:

61 01 44, D 60382

Telephone:069/410901

Telefax:  069/41092100

Homepage: www.allessa.de

E-mail:   allessa@allessa.com

 

 VAT no.:                      DE813196920

 

 

 CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM              Private limited company

 Date of foundation:      23.10.2000

 Shareholders'

 agreement:                   23.10.2000

 Registered on:             07.11.2000

 Commercial Register:   Local court 60313 Frankfurt

 under:                          HRB 50819

 

 Share capital:                          EUR          4,000,002.00

 

 Shareholder:

                      International Chemical Investors X S.A.

                      L  Luxemburg

                      Legal form: Other legal form

                      Share:             EUR          4,000,002.00

 Manager:

                      Rafael Reiser

                      D 42853 Remscheid

                      authorized to jointly represent the company

                      born: 10.02.1966

                      Profession: Fully qualified political

                      economist

 Manager:

                      Gerhard Wolfgang Posner

                      D 64665 Alsbach-Hähnlein

                      authorized to jointly represent the company

                      born: 25.08.1955

 Manager:

                      Dr. Thomas W. Büttner

                      D 63322 Rödermark

                      authorized to jointly represent the company

                      born: 13.02.1956

                      Marital status: unknown

 President of the Supervisory Board:

                      Dr. Achim Georg Hannes Riemann

                      In den Weingärten 8

                      D 65719 Hofheim

                      born: 15.09.1953

                      Profession: Businessman

                      Marital status: married

 Member of the Supervisory Board:

                      Patrick Schnitzer

                      Corneliusstr. 5

                      D 60325 Frankfurt

                      born: 03.03.1957

                      Marital status: married

 Member of the Supervisory Board:

                      Reiner Conrad

                      Carl-Orff-Ring 70

                      D 63110 Rodgau

                      born: 08.04.1957

 Proxy:

                      Nikolaus Peter Wagenhäuser

                      D 63549 Ronneburg

                      authorized to jointly represent the company

                      born: 28.07.1954

                      Profession: Businessman

                      Marital status: unknown

 Proxy:

                      Dr. Ottmar Wink

                      D 65527 Niedernhausen

                      authorized to jointly represent the company

                      born: 30.05.1953

 Proxy:

                      Dr. Heinrich Wilhelm Angenendt

                      D 65510 Idstein

                      authorized to jointly represent the company

                      born: 14.10.1956

 Proxy:

                      Andrea Schultheiß-Blaeser

                      D 63784 Obernburg

                      authorized to jointly represent the company

                      born: 14.06.1965

 

 Further functions/participations of Rafael Reiser (Manager)

 Manager:

                      WeylChem Griesheim GmbH

                      Stroofstr. 27

                      D 65933 Frankfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         30.10.2008

                      Reg. data:  60313 Frankfurt, HRB 84190

 Manager:

                      WeylChem Frankfurt GmbH

                      Stroofstr. 27

                      D 65933 Frankfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,100.00

                      Registered

                      on:         20.12.2004

                      Reg. data:  60313 Frankfurt, HRB 74009

 Manager:

                      ICIG Industrial Services Griesheim GmbH

                      Stroofstr. 27

                      D 65933 Frankfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         08.05.2012

                      Reg. data:  60313 Frankfurt, HRB 93685

 Manager:

                      WeylChem Höchst GmbH

                      Stroofstr. 27

                      D 65933 Frankfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         30.10.2008

                      Reg. data:  60313 Frankfurt, HRB 84189

 Manager:

                      German-Sino Carbon & Chemical GmbH

                      Elisenstr. 119

                      D 45139 Essen

                      Legal form: Private limited company

                      Share capital:     EUR             50,000.00

                      Registered

                      on:         08.10.2013

                      Reg. data:  45130 Essen, HRB 24950

 

 Further functions/participations of Dr. Thomas W. Büttner

 (Manager)

 Manager:

                      AllessaSyntec Verwaltungs-GmbH

                      Industriepark Höchst

                      D 65926 Frankfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         01.08.2003

                      Reg. data:  60313 Frankfurt, HRB 57278

 President of the Board of Directors:

                      International School of Düsseldorf eV

                      Niederrheinstr. 336

                      D 40489 Düsseldorf

                      Legal form: Registered association

                      Registered

                      on:         20.03.1969

                      Reg. data:  40227 Düsseldorf, VR 4766

 Member of the Board of Directors:

                      Arbeitgeberverband Chemie und verwandte

                      Industrien für Land Hessen

                      Murnaustr. 12

                      D 65189 Wiesbaden

                      Legal form: Registered association

                      Registered

                      on:         22.03.1948

                      Reg. data:  65189 Wiesbaden, VR 1258

 Proxy:

                      WeylChem Höchst GmbH

                      Stroofstr. 27

                      D 65933 Frankfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         30.10.2008

                      Reg. data:  60313 Frankfurt, HRB 84189

 Proxy:

                      WeylChem Griesheim GmbH

                      Stroofstr. 27

                      D 65933 Frankfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         30.10.2008

                      Reg. data:  60313 Frankfurt, HRB 84190

 Proxy:

                      WeylChem Frankfurt GmbH

                      Stroofstr. 27

                      D 65933 Frankfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,100.00

                      Registered

                      on:         20.12.2004

                      Reg. data:  60313 Frankfurt, HRB 74009

 

 

 COMPANY HISTORY

 

 23.10.2000 - 25.03.2001  WT Erste Verwaltungsgesellschaft mbH

                          Hanauer Landstr. 528

                          D 60386 Frankfurt

                          Private limited company

 25.03.2001 - 30.09.2012  AllessaChemie GmbH

                          Alt Fechenheim 34

                          D 60386 Frankfurt

                          Private limited company

 

 

 RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 20.08.2010 - 30.12.2013  President of the Supervisory Board

                          Dr.rer.nat. Karl-Gerhard Seifert

                          D 65812 Bad Soden

 20.08.2010 - 30.12.2013  Member of the Supervisory Board

                          Dr. Gerhard Prante

                          D 65719 Hofheim

 20.08.2010 - 30.12.2013  Member of the Supervisory Board

                          Andrea Ebeling

                          D 60306 Frankfurt

 23.07.2012 - 28.08.2013  Manager

                          Joachim Kögler

                          D 65527 Niedernhausen

 23.07.2012 - 28.08.2013  Manager

                          Dr.rer.nat. Thomas Wisser

                          D 65556 Limburg

 22.02.2010 - 01.11.2011  Manager

                          Almuth Poetz

                          D 61200 Wölfersheim

 


 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 20590   Manufacture of other chemical products n.e.c.

4675    Wholesale of chemical products

 

 Secondary industrial sector

 64200   Activities of holding companies

 

 

 BRANCHES AND FACTORIES

 

 Branch:

                      Allessa GmbH

                      Kettelerstr. 99

                      D 63075 Offenbach

                      TEL.: 069/8066-540

 Branch:

                      Allessa GmbH

                      Stroofstr. 27

                      D 65933 Frankfurt

                      TEL.: 069/3800-0

                      FAX.: 069/3800-2943

 

 

 PARTICIPATIONS

 

 Shareholder:

                      TouGas Oilfield Solutions GmbH

                      Alt-Fechenheim 34

                      D 60386 Frankfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             49,522.00

                      Share:             EUR             25,001.00

                      Reg. data:  03.04.2013

                                  Local court 60313 Frankfurt

                                  HRB 96209

 Shareholder:

                      AllessaSyntec Verwaltungs-GmbH

                      Industriepark Höchst

                      D 65926 Frankfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Reg. data:  01.08.2003

                                  Local court 60313 Frankfurt

                                  HRB 57278

Payment experience:  within periods customary in this trade

 

 Negative information:We have no negative information at hand.

 

 

 BALANCE SHEET YEAR:  2011/2012

 

 

 REAL ESTATE

 

 Type of ownership:       Tenant

 Address                       Alt-Fechenheim 34

                                    D 60386 Frankfurt

 

 Land register documents were not available.

 

 

 BANKERS

 

 Principal bank

 COMMERZBANK, 60005 FRANKFURT AM MAIN

 Sort. code: 50040000, Account no.: 5850524

 BIC: COBADEFFXXX

 

 Further bank

 DEUTSCHE BANK FILIALE, 60254 FRANKFURT AM MAIN

 Sort. code: 50070010, Account no.: 091962100

 BIC: DEUTDEFFXXX

 

 

 FINANCIAL FIGURES

 

 Turnover:                     2011/2012         EUR        123,970,563.00

 Profit:                                      2011/2012         EUR          1,057,157.00

 Equipment:                                                      EUR          1,381,701.00

 Ac/ts receivable:                                              EUR         11,358,774.00

 Liabilities:                                            EUR         22,334,404.00

 Employees:                                                                  890

 - Trainees:                                                                                 65

 


 

 BALANCE SHEETS

 

 Balance sheet ratios     01.07.2011 - 30.06.2012

 Equity ratio [%]:                       19.49

 Liquidity ratio:                          0.59

 Return on total capital [%]:         2.12

 

 Balance sheet ratios     01.07.2010 - 30.06.2011

 Equity ratio [%]:                       16.49

 Liquidity ratio:                           0.91

 Return on total capital [%]:         2.99

 

 Balance sheet ratios     01.07.2009 - 30.06.2010

 Equity ratio [%]:                       12.94

 Liquidity ratio:                          0.95

 Return on total capital [%]:        4.02

 

 Balance sheet ratios     01.07.2008 - 30.06.2009

 Equity ratio [%]:                       7.66

 Liquidity ratio:                          0.78

 Return on total capital [%]:        -17.49

 

 Equity ratio

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 Liquidity ratio

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 Return on total capital

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

 Balance sheet grade

 The balance sheet grade is based on the following ratios: equity

 ratio, liquidity ratio and return on total capital from the

 balance sheets published in the Federal Gazette. It is calculated

 in accordance with the methodology of Euler Hermes. It ranges

 from 1.0 (positive) to 5.0 (negative).


 

TYPE OF BALANCE SHEET:               COMPANY BALANCE SHEET

 

FINANCIAL YEAR:                                01.07.2011 - 30.06.2012

 

ASSETS                                               EUR         70,915,418.39

Fixed assets                                         EUR         31,197,292.88

Intangible assets                                   EUR            402,303.00

Concessions, licences, rights                  EUR            402,303.00

Tangible assets                                     EUR         30,794,989.88

Land / similar rights                               EUR          1,894,990.00

Plant / machinery                                   EUR         24,686,264.00

Other tangible assets / fixtures and

fittings                                                              EUR          1,381,701.00

Advance payments made / construction

in progress                                           EUR          2,832,034.88

Current assets                                       EUR         39,242,908.48

Stocks                                                  EUR         24,831,937.03

Raw materials, consumables and

supplies                                                EUR          9,140,224.90

Finished goods / work in progress         EUR         15,691,712.13

Accounts receivable                                          EUR         11,358,773.54

Trade debtors                                       EUR          7,668,151.63

Other debtors and assets                      EUR          3,690,621.91

Liquid means                                        EUR          3,052,197.91

Remaining other assets                         EUR            475,217.03

Accruals (assets)                                   EUR            475,217.03

 

LIABILITIES                                           EUR         70,915,418.39

Shareholders' equity                                           EUR         13,260,237.47

Capital                                                  EUR          2,000,000.00

Subscribed capital (share capital)           EUR          2,000,000.00

Reserves                                              EUR            160,068.15

Capital reserves                                    EUR            160,068.15

Balance sheet profit/loss (+/-)                EUR         11,100,169.32

Profit / loss brought forward                              EUR         10,043,012.03

Annual surplus / annual deficit                EUR          1,057,157.29

Items between shareholders' equity and

debt capital                                           EUR          1,117,832.00

Special items with reserve funds            EUR          1,117,832.00

Provisions                                            EUR         33,861,604.55

Pension provisions and comparable

provisions                                             EUR         22,727,622.00

Provisions for taxes                                          EUR          1,068,410.00

Other / unspecified provisions               EUR         10,065,572.55

Liabilities                                              EUR         22,334,403.57

Financial debts                                      EUR         10,070,757.58

Liabilities due to banks                          EUR         10,070,757.58

Other liabilities                                       EUR         12,263,645.99

Trade creditors (for IAS incl. bills

of exchange)                                         EUR          8,115,862.47

Liabilities from received advance

payments                                              EUR            203,149.00

Unspecified other liabilities                       EUR          3,944,634.52

thereof liabilities from tax /

financial authorities                                EUR          1,231,975.40

Other liabilities                                      EUR            341,340.80

Deferrals (liabilities)                                EUR            341,340.80

 

PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

Code (HGB)

Sales                                                    EUR        123,970,562.66

Inventory change + own costs (+/-)         EUR            415,570.75

Inventory change (+/-)                                        EUR         -1,493,827.39

Capitalised own costs                                       EUR          1,909,398.14

Other operating income                         EUR         29,610,314.07

Cost of materials                                   EUR         56,717,476.21

Raw materials and supplies, purchased

goods                                                               EUR         41,851,526.57

Purchased services                                           EUR         14,865,949.64

Gross result (+/-)                                   EUR         97,278,971.27

Staff expenses                                                 EUR         49,566,234.80

Wages and salaries                                           EUR         39,747,898.98

Social security contributions and

expenses for pension plans and

benefits                                                EUR          9,818,335.82

Total depreciation                                  EUR          5,906,016.57

Depreciation on tangible / intangible

asssets (incl. start-up and exp. of

bus.                                                                  EUR          5,906,016.57

Other operating expenses                      EUR         37,561,046.62

Operating result from continuing

operations                                            EUR          4,245,673.28

Interest result (+/-)                                  EUR         -2,300,034.49

Interest and similar income                     EUR             15,224.31

Interest and similar expenses                  EUR          2,315,258.80

Financial result (+/-)                                EUR         -2,300,034.49

Result from ordinary operations (+/-)      EUR          1,945,638.79

Extraordinary expenses                         EUR            447,239.00

Extraordinary result (+/-)                                    EUR           -447,239.00

Income tax / refund of income tax (+/-)   EUR            -64,363.91

Other taxes / refund of taxes                 EUR           -376,878.59

Tax (+/-)                                                EUR           -441,242.50

Annual surplus / annual deficit                EUR          1,057,157.29


 

Type of balance sheet:                         Company balance sheet

 

Financial year:                                     01.07.2010 - 30.06.2011

 

ASSETS                                               EUR         79,577,708.35

Fixed assets                                         EUR         28,880,658.62

Intangible assets                                   EUR            412,478.58

Concessions, licences, rights                 EUR            412,478.58

Tangible assets                                     EUR         28,468,180.04

Land / similar rights                               EUR          1,727,306.00

Plant / machinery                                   EUR         23,953,038.00

Other tangible assets / fixtures and

fittings                                                              EUR          1,546,734.00

Advance payments made / construction

in progress                                           EUR          1,241,102.04

Current assets                                       EUR         50,091,429.90

Stocks                                                               EUR         25,018,556.45

Raw materials, consumables and

supplies                                                EUR          8,320,545.48

Finished goods / work in progress         EUR         16,698,010.96

Accounts receivable                                          EUR         13,137,985.68

Trade debtors                                       EUR          8,825,614.95

Other debtors and assets                      EUR          4,312,370.73

Liquid means                                        EUR         11,934,887.77

Remaining other assets                         EUR            605,619.83

Accruals (assets)                                    EUR            605,619.83

 

LIABILITIES                                           EUR         79,577,708.35

Shareholders' equity                                          EUR         12,203,080.18

Capital                                                  EUR          2,000,000.00

Subscribed capital (share capital)           EUR          2,000,000.00

Reserves                                              EUR            160,068.15

Capital reserves                                    EUR            160,068.15

Balance sheet profit/loss (+/-)                EUR         10,043,012.03

Profit / loss brought forward                 EUR          8,117,279.92

Annual surplus / annual deficit                EUR          1,925,732.11

Items between shareholders' equity and

debt capital                                           EUR          2,185,241.96

Special items with reserve funds            EUR          2,185,241.96

Provisions                                            EUR         38,303,132.48

Pension provisions and comparable

provisions                                             EUR         20,961,825.00

Provisions for taxes                                          EUR          1,005,607.00

Other / unspecified provisions                EUR         16,335,700.48

Liabilities                                              EUR         26,327,317.93

Financial debts                                      EUR          2,000,000.00

Liabilities due to banks                          EUR          2,000,000.00

Other liabilities                                       EUR         24,327,317.93

Trade creditors (for IAS incl. bills

of exchange)                                         EUR          6,946,047.07

Liabilities from received advance

payments                                               EUR          5,610,331.00

Unspecified other liabilities                                EUR         11,770,939.86

thereof liabilities from tax /

financial authorities                                EUR          1,556,593.97

thereof liabilities from social

security                                                             EUR                  0.00

Other liabilities                                       EUR            558,935.80

Deferrals (liabilities)                                EUR            558,935.80

Guarantees and other commitments       EUR            162,000.00

Liability from creation of a security

interest for third parties                          EUR            162,000.00

 

PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

Code (HGB)

Sales                                                    EUR        120,338,008.45

Inventory change + own costs (+/-)         EUR          4,172,647.30

Inventory change (+/-)                                        EUR          2,862,675.80

Capitalised own costs                                       EUR          1,309,971.50

Other operating income                         EUR         24,279,625.56

Cost of materials                                   EUR         49,066,837.03

Raw materials and supplies, purchased

goods                                                  EUR         36,746,734.66

Purchased services                                           EUR         12,320,102.37

Gross result (+/-)                                   EUR         99,723,444.28

Staff expenses                                                 EUR         50,046,052.79

Wages and salaries                                           EUR         40,404,716.41

Social security contributions and

expenses for pension plans and

benefits                                                EUR          9,641,336.38

Total depreciation                                  EUR          6,158,023.35

Depreciation on tangible / intangible

asssets (incl. start-up and exp. of

bus.                                                                  EUR          6,158,023.35

Other operating expenses                      EUR         37,551,119.08

Operating result from continuing

operations                                            EUR          5,968,249.06

Interest result (+/-)                                 EUR         -2,490,993.51

Interest and similar income                     EUR            171,608.56

Interest and similar expenses                 EUR          2,662,602.07

Financial result (+/-)                               EUR         -2,490,993.51

Result from ordinary operations (+/-)      EUR          3,477,255.55

Extraordinary expenses                         EUR            447,239.00

Extraordinary result (+/-)                                    EUR           -447,239.00

Income tax / refund of income tax (+/-)   EUR           -700,403.83

Other taxes / refund of taxes                 EUR           -403,880.61

Tax (+/-)                                                EUR         -1,104,284.44

Annual surplus / annual deficit                EUR          1,925,732.11

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.12

UK Pound

1

Rs.103.93

Euro

1

Rs.85.17

 

 

INFORMATION DETAILS

 

Report Prepared by :

NIS

 

 

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.