MIRA INFORM REPORT

 

 

Report Date :

25.02.2014

 

IDENTIFICATION DETAILS

 

Name :

GABOR SHOES AKTIENGESELLSCHAFT

 

 

Registered Office :

Marienberger Str. 31, D 83024 Rosenheim

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

01.02.1949

 

 

Com. Reg. No.:

HRB 9155

 

 

Legal Form :

Public Limited Company

 

 

Line of Business :

·         Manufacture of footwear

·         Agents involved in the sale of footwear, leatherware and luggage

 

 

No. of Employees :

265

 

 

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 & address

 

GABOR SHOES AKTIENGESELLSCHAFT

 

 Company Status:          active

                                    Marienberger Str. 31

                                    D 83024 Rosenheim

                                    Telephone:08031/801-0

                                    Telefax:  08031/801275

                                    Homepage: www.gabor.de

                                    E-mail:   j.scharnagl@gabor.de

 

 VAT no.:                      DE131177880

 Tax ID number:             156/115/50275

 

 

 CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM              Public limited company

 Date of foundation:        01.02.1949

 Registered on:              11.11.1966

 Commercial Register:    Local court 83278 Traunstein

 under:                                       HRB 9155

 

 Share capital:                          EUR         10,000,000.00

 

 Shareholder:

                      Martin-Rolf Gabor

                      D 83022 Rosenheim

                      Share:                              25.000 %

 Shareholder:

                      Axel-Florian Gabor

                      Meraner Str. 47

                      D 83024 Rosenheim

                      born: 18.05.1965

                      Share:                              25.000 %

 Shareholder:

                      Achim Gabor

                      D 83024 Rosenheim

                      born: 26.03.1967

                      Share:                              11.000 %

 Shareholder:

                      Pia Gabor-Janzen

                      D 69118 Heidelberg

                      Share:                              11.000 %

 President of the Board of Directors:

                      Achim Gabor

                      D 83024 Rosenheim

                      born: 26.03.1967

 Member of the Board of Directors:

                      Martin Hofmann

                      D 80331 München

                      authorized to jointly represent the company

                      born: 19.05.1957

 Member of the Board of Directors:

                      Michael Tackenberg

                      D 83052 Bruckmühl

                      authorized to jointly represent the company

                      born: 12.07.1965

 President of the Supervisory Board:

                      Dr. Dieter Schenk

                      D 85521 Ottobrunn

                      born: 04.08.1952

                      Profession: lawyer and tax consultant

 Vice-president of the Supervisory Board:

                      Heinrich von Kleist-Retzow

                      Amselweg 36

                      D 51467 Bergisch Gladbach

                      born: 21.09.1929

                      Property regime: joint ownership of property

                      by a married couple.

                      Marital status: married

 Member of the Supervisory Board:

                      Michael Heidbreder

                      Alpenblickstr. 16

                      D 83026 Rosenheim

                      born: 1960

                      Marital status: married

 Proxy:

                      Rainer Bachl

                      D 83064 Raubling

                      born: 21.06.1965

 Proxy:

                      Andreas Bobbert

                      D 83026 Rosenheim

                      born: 26.12.1958

 Proxy:

                      Reinhard Herberger

                      Äußere Münchener Str. 21

                      D 83026 Rosenheim

                      born: 18.02.1964

                      Marital status: unknown

 Proxy:

                      Marc Kitowski

                      D 83022 Rosenheim

                      born: 29.09.1962

 Proxy:

                      Harald Börzel

                      D 83022 Rosenheim

                      born: 26.07.1959

 Proxy:

                      Ralf Meurer

                      OT Pfraundorf

                      D 83064 Raubling

                      born: 11.06.1964

 Proxy:

                      Bernd Scharsig

                      D 83209 Prien

                      born: 01.04.1957

 Proxy:

                      Martin Dietzinger

                      D 83022 Rosenheim

                      born: 08.08.1961

 Proxy:

                      Josef Konrad Scharnagl

                      Kaltmühlweg 16a

                      D 83026 Rosenheim

                      born: 01.10.1967

 Proxy:

                      Armin Euler

                      D 83109 Großkarolinenfeld

                      born: 28.02.1964

 Proxy:

                      Johann Haas

                      A  Sachsenberg

                      authorized to jointly represent the company

                      born: 19.12.1955

                      Nationality: Austrian

 Proxy:

                      Michael Scheidegger

                      D 83022 Rosenheim

                      born: 13.01.1959

 Proxy:

                      Markus-Alois Reheis

                      D 83134 Prutting

                      authorized to jointly represent the company

                      born: 16.09.1970

 Proxy:

                      Christine Deingruber

                      D 83024 Rosenheim

                      authorized to jointly represent the company

                      born: 25.06.1970

 

 Further functions/participations of Achim Gabor (President of the Board of Directors)

 Manager:

                      Fareen Schuh GmbH

                      Marienberger Str. 31

                      D 83024 Rosenheim

                      Legal form: Private limited company

                      Share capital:     EUR             51,129.19

                      Registered

                      on:         01.03.1991

                      Reg. data:  83278 Traunstein, HRB 6817

 Manager:

                      Gabor Shop & Store Gesellschaft mit

                      beschränkter Haftung

                      Marienberger Str. 31

                      D 83024 Rosenheim

                      Legal form: Private limited company

                      Share capital:     EUR          6,000,000.00

                      Registered

                      on:         09.06.1972

                      Reg. data:  83278 Traunstein, HRB 557

 Member of the Board of Directors:

                      Bundesverband der Schuhindustrie e.V.

                      Waldstr. 44

                      D 63065 Offenbach

                      Post Box:

                      10 07 61

                      Legal form: Registered association

                      Registered

                      on:         01.01.1955

                      Reg. data:  53111 Bonn, VR 5260

 

 Further functions/participations of Martin Hofmann (Member of the Board of Directors)

 Manager:

                      Gabor Shop & Store Gesellschaft mit

                      beschränkter Haftung

                      Marienberger Str. 31

                      D 83024 Rosenheim

                      Legal form: Private limited company

                      Share capital:     EUR          6,000,000.00

                      Registered

                      on:         09.06.1972

                      Reg. data:  83278 Traunstein, HRB 557

 Manager:

                      Gabor Footwear GmbH

                      Marienberger Str. 31

                      D 83024 Rosenheim

                      Legal form: Private limited company

                      Share capital:     EUR          4,700,000.00

                      Registered

                      on:         09.12.1998

                      Reg. data:  83278 Traunstein, HRB 11696

 

 

 COMPANY HISTORY

 

 01.02.1949 - 11.11.1966            Joachim Gabor

                                                Marienberger Str. 31

                                                D 83024 Rosenheim

                                                             Unregistered commercial enterprise

 11.11.1966 - 20.12.1994             Gabor GmbH

                                                Marienberger Str. 31

                                                D 83024 Rosenheim

                                                Private limited company

 20.12.1994 - 2001                     Gabor Shoes Aktiengesellschaft

                                                Marienberger Str. 31

                                                D 83024 Rosenheim

                                                             Public limited company

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 1520    Manufacture of footwear

46165   Agents involved in the sale of footwear, leatherware and luggage

 

 

 BRANCHES AND FACTORIES

 

 Branch:

                      Gabor Shoes Aktiengesellschaft

                      Allgäuer Str. 18

                      D 87719 Mindelheim

 

 

 PARTICIPATIONS

 

 Shareholder:

                      Gabor Shop & Store Gesellschaft mit

                      beschränkter Haftung

                      Marienberger Str. 31

                      D 83024 Rosenheim

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          6,000,000.00

                      Share:             EUR          6,000,000.00

                      Reg. data:  09.06.1972

                                  Local court 83278 Traunstein

                                  HRB 557

 Shareholder:

                      Gabor Footwear GmbH

                      Marienberger Str. 31

                      D 83024 Rosenheim

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          4,700,000.00

                      Share:             EUR          4,700,000.00

                      Reg. data:  09.12.1998

                                  Local court 83278 Traunstein

                                  HRB 11696

 Shareholder:

                      Fareen Schuh GmbH

                      Marienberger Str. 31

                      D 83024 Rosenheim

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             51,129.19

                      Share:             EUR             51,129.19

                      Reg. data:  01.03.1991

                                  Local court 83278 Traunstein

                                  HRB 6817

 

 

 FINANCIAL INFORMATION

 

 Payment experience:    cash discount/within agreed terms

 

 Negative information:     We have no negative information at hand.

 

 Balance sheet year:  2012

 

 

 REAL ESTATE

 

 Type of ownership:        proprietor

 Share:                           100.00 %

 Address                        Marienberger Str. 31

                                    D 83024 Rosenheim

 

 Land register documents were not available.

 

 

 BANKERS

 

 Principal bank

 UNICREDIT BANK - HYPOVEREINSBANK, 83001 ROSENHEIM, OBERBAY

 Sort. code: 71120077

 BIC: HYVEDEMM448

 

 Further bank

 DEUTSCHE BANK, 83012 ROSENHEIM, OBERBAY

 Sort. code: 70070010

 BIC: DEUTDEMMXXX

 

 

 FINANCIAL FIGURES

 

 Turnover:            2012                           EUR        284,954,629.00

 Profit:              2012                               EUR         14,022,633.00

 Equipment:                              EUR          2,592,153.00

 Ac/ts receivable:                                   EUR         21,074,139.00

 Liabilities:                                             EUR         29,309,885.00

 Employees:                                                           265

 - Trainees:                                                                           36

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 49.92

 Liquidity ratio:                   4.19

 Return on total capital [%]:       9.77

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 49.11

 Liquidity ratio:                   2.79

 Return on total capital [%]:      20.17

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                 40.82

 Liquidity ratio:                   0.97

 Return on total capital [%]:      12.44

 

 Balance sheet ratios 01.01.2009 - 31.12.2009

 Equity ratio [%]:                 32.91

 Liquidity ratio:                   0.78

 Return on total capital [%]:       1.78

 

 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.

 

Type of balance sheet:               Company balance sheet

 

 Financial year:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR        143,584,047.41

  Fixed assets                           EUR         56,155,972.61

   Intangible assets                     EUR          1,230,039.50

    Concessions, licences, rights        EUR          1,210,802.00

    Advance payments for intang. assets  EUR             19,237.50

   Tangible assets                       EUR          5,684,362.17

    Land / similar rights                EUR          1,509,817.17

    Plant / machinery                    EUR          1,582,392.00

    Other tangible assets / fixtures and

    fittings                             EUR          2,592,153.00

   Financial assets                      EUR         49,241,570.94

    Shares in participations /

    subsidiaries and the like            EUR         41,920,607.92

     Shares in related companies         EUR         41,879,092.49

     Shares in investee companies        EUR             41,515.43

    Loans to participations /

    subsidiaries and the like            EUR          7,250,000.00

     Loans to related companies          EUR          7,250,000.00

    Other loans                          EUR             70,963.02

  Current assets                         EUR         87,323,483.31

   Stocks                                EUR         41,972,301.48

    Raw materials, consumables and

    supplies                             EUR          2,535,011.48

    Finished goods / work in progress    EUR         39,437,290.00

   Accounts receivable                   EUR         21,074,138.51

    Trade debtors                        EUR         13,462,778.85

    Amounts due from related companies   EUR          1,970,409.37

    Other debtors and assets             EUR          5,640,950.29

   Liquid means                          EUR         24,277,043.32

  Remaining other assets                 EUR            104,591.49

   Accruals (assets)                     EUR            104,591.49

 

 LIABILITIES                             EUR        143,584,047.41

  Shareholders' equity                   EUR         71,674,563.14

   Capital                               EUR         10,000,000.00

    Subscribed capital (share capital)   EUR         10,000,000.00

   Reserves                              EUR         41,071,022.02

    Capital reserves                     EUR            545,909.92

    Retained earnings / revenue reserves EUR         40,525,112.10

   Balance sheet profit/loss (+/-)       EUR         20,603,541.12

    Profit / loss brought forward        EUR          6,580,908.02

    Annual surplus / annual deficit      EUR         14,022,633.10

  Provisions                             EUR         42,599,599.72

   Pension provisions and comparable

   provisions                            EUR         34,652,477.00

   Other / unspecified provisions        EUR          7,947,122.72

  Liabilities                            EUR         29,309,884.55

   Other liabilities                     EUR         29,309,884.55

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          5,784,791.18

    Liabilities from received advance

    payments                             EUR            597,905.44

    Liabililties due to related companiesEUR         21,235,625.87

    Liabilities due to investee companiesEUR             10,016.34

    Unspecified other liabilities        EUR          1,681,545.72

 

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

 

  Sales                                  EUR        284,954,628.83

  Other operating income                 EUR          5,930,988.54

  Cost of materials                      EUR        217,997,292.67

   Raw materials and supplies, purchased

   goods                                 EUR        217,997,292.67

  Gross result (+/-)                     EUR         72,888,324.70

  Staff expenses                         EUR         17,350,616.58

   Wages and salaries                    EUR         13,403,541.79

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          3,947,074.79

  Total depreciation                     EUR          3,115,931.08

  Other operating expenses               EUR         45,916,622.57

  Operating result from continuing

  operations                             EUR          6,505,154.47

  Result from participating interests

  (+/-)                                  EUR         10,777,501.26

   Expenses / income from participations EUR         10,777,501.26

    Income from transfer of profits      EUR            777,501.26

    Income from related companies        EUR         10,000,000.00

  Interest result (+/-)                  EUR         -1,658,248.29

   Interest and similar income           EUR            146,556.53

   Interest and similar expenses         EUR          1,804,804.82

  Other financial result                 EUR            378,506.16

   Income from securities and loans from

   financial assets                      EUR            378,506.16

  Financial result (+/-)                 EUR          9,497,759.13

  Result from ordinary operations (+/-)  EUR         16,002,913.60

  Income tax / refund of income tax (+/-)EUR         -1,959,018.73

  Other taxes / refund of taxes          EUR            -21,261.77

  Tax (+/-)                              EUR         -1,980,280.50

  Annual surplus / annual deficit        EUR         14,022,633.10

 

 Type of balance sheet:               Company balance sheet

 

 Financial year:      01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR        136,743,249.16

  Fixed assets                           EUR         58,944,025.72

   Intangible assets                     EUR          1,676,107.89

    Concessions, licences, rights        EUR          1,543,413.00

    Advance payments for intang. assets  EUR            132,694.89

   Tangible assets                       EUR          7,201,187.17

    Land / similar rights                EUR          1,680,407.17

    Plant / machinery                    EUR          2,515,782.00

    Other tangible assets / fixtures and

    fittings                             EUR          2,999,679.00

    Advance payments made / construction

    in progress                          EUR              5,319.00

   Financial assets                      EUR         50,066,730.66

    Shares in participations /

    subsidiaries and the like            EUR         41,920,607.92

     Shares in related companies         EUR         41,879,092.49

     Shares in investee companies        EUR             41,515.43

    Loans to participations /

    subsidiaries and the like            EUR          8,085,033.00

     Loans to related companies          EUR          8,085,033.00

    Other loans                          EUR             61,089.74

  Current assets                         EUR         77,510,253.69

   Stocks                                EUR         39,049,856.48

    Raw materials, consumables and

    supplies                             EUR          2,396,356.48

    Finished goods / work in progress    EUR         36,653,500.00

   Accounts receivable                   EUR         17,880,669.61

    Trade debtors                        EUR         10,863,323.67

    Amounts due from related companies   EUR          2,758,542.57

    Amounts due from investee companies  EUR             73,890.56

    Other debtors and assets             EUR          4,184,912.81

   Liquid means                          EUR         20,579,727.60

  Remaining other assets                 EUR            288,969.75

   Accruals (assets)                     EUR            288,969.75

 

 LIABILITIES                             EUR        136,743,249.16

  Shareholders' equity                   EUR         67,151,930.04

   Capital                               EUR         10,000,000.00

    Subscribed capital (share capital)   EUR         10,000,000.00

   Reserves                              EUR         26,071,022.02

    Capital reserves                     EUR            545,909.92

    Retained earnings / revenue reserves EUR         25,525,112.10

   Balance sheet profit/loss (+/-)       EUR         31,080,908.02

    Profit / loss brought forward        EUR          3,494,921.98

    Annual surplus / annual deficit      EUR         27,585,986.04

  Provisions                             EUR         42,602,022.18

   Pension provisions and comparable

   provisions                            EUR         33,930,851.84

   Provisions for taxes                  EUR            453,014.00

   Other / unspecified provisions        EUR          8,218,156.34

  Liabilities                            EUR         26,989,296.91

   Other liabilities                     EUR         26,989,296.91

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          5,076,000.00

    Liabilities from received advance

    payments                             EUR            252,534.94

    Liabililties due to related companiesEUR         20,478,091.61

    Unspecified other liabilities        EUR          1,182,670.36

  Difference assets / liabilities        EUR                  0.03

 

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

 

  Sales                                  EUR        274,926,124.18

  Other operating income                 EUR          6,522,375.77

  Cost of materials                      EUR        205,862,404.60

   Raw materials and supplies, purchased

   goods                                 EUR        205,862,404.60

  Gross result (+/-)                     EUR         75,586,095.35

  Staff expenses                         EUR         15,662,828.99

   Wages and salaries                    EUR         13,152,229.44

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          2,510,599.55

  Total depreciation                     EUR          3,150,444.51

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          3,150,444.51

  Other operating expenses               EUR         44,674,864.35

  Operating result from continuing

  operations                             EUR         12,097,957.50

  Result from participating interests

  (+/-)                                  EUR         21,349,198.47

   Expenses / income from participations EUR         21,349,198.47

    Income from transfer of profits      EUR          1,349,198.47

    Income from related companies        EUR         20,000,000.00

  Interest result (+/-)                  EUR         -1,858,193.96

   Interest and similar income           EUR            150,885.77

   Interest and similar expenses         EUR          2,009,079.73

  Other financial result                 EUR            413,781.65

   Income from securities and loans from

   financial assets                      EUR            413,781.65

  Financial result (+/-)                 EUR         19,904,786.16

  Result from ordinary operations (+/-)  EUR         32,002,743.66

  Income tax / refund of income tax (+/-)EUR         -4,391,602.66

  Other taxes / refund of taxes          EUR            -25,154.96

  Tax (+/-)                              EUR         -4,416,757.62

  Annual surplus / annual deficit        EUR         27,585,986.04

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.12

UK Pound

1

Rs.103.38

Euro

1

Rs.85.32

 

 

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

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NB

New Business

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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