MIRA INFORM REPORT

 

 

Report Date :

11.01.2014

 

IDENTIFICATION DETAILS

 

Name :

KIESEL GMBH

 

 

Registered Office :

Baindter Str. 29 D 88255 Baienfurt

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

05.02.1990

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Wholesale of machinery, equipment and supplies

 

 

No. of Employees :

07

 

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

 

KIESEL GMBH

 

Baindter Str. 29

D 88255 Baienfurt

 

Telephone:0751/50040

Telefax:  0751/5004888

Homepage: www.kiesel.net

E-mail:   info@kiesel.net

 

 

CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM              Private limited company

 Date of foundation:        1989

 Shareholders'

 agreement:                   27.12.1989

 Registered on:              05.02.1990

 Commercial Register:    Local court 89073 Ulm

 under:                          HRB 551087

 

 Share capital:                          EUR            400,000.00

 

 Shareholder:

                      Toni Christoph Kiesel

                      Erlenweg 32

                      D 88212 Ravensburg

                      born: 26.08.1959

                      Share:             EUR            136,000.00

 Shareholder:

                      Rainer Kiesel

                      Tettnanger Str. 45

                      D 88214 Ravensburg

                      born: 01.08.1963

                      Share:             EUR            132,000.00

 Shareholder:

                      Jochen Kiesel

                      Schumannweg 7

                      D 88276 Berg

                      born: 17.01.1967

                      Share:             EUR            132,000.00

 Manager:

                      Toni Christoph Kiesel

                      Erlenweg 32

                      D 88212 Ravensburg

                      having sole power of representation

                      born: 26.08.1959

                      Profession: degree-level economist (college

                      ed.)

 Manager:

                      Jochen Lang

                      D 88212 Ravensburg

                      born: 24.03.1960

 

 

 Further functions/participations of Toni Christoph Kiesel

 (Manager)

 Limited partner:

                      K-TEG Kiesel Technologie und Entwicklung

                      GmbH & Co. KG

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Total cap.         EUR            250,000.00

                      contribution:

                      Share:             EUR            142,500.00

                      Registered

                      on:         17.11.2010

                      Reg. data:  89073 Ulm, HRA 722229

 Shareholder:

                      Kiesel Technologie und Entwicklung

                      Verwaltungs GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Registered

                      on:         15.11.2010

                      Reg. data:  89073 Ulm, HRB 725762

 Manager:

                      Kiesel Ost GmbH

                      Baindter Str. 21

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Share capital:     EUR          1,100,000.00

                      Registered

                      on:         17.01.2008

                      Reg. data:  89073 Ulm, HRB 721848

 Manager:

                      Kiesel Süd GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Share capital:     EUR          5,100,000.00

                      Registered

                      on:         16.01.2008

                      Reg. data:  89073 Ulm, HRB 721836

 Manager:

                      Kiesel Verwaltungs GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Share capital:     EUR             30,000.00

                      Registered

                      on:         19.05.2008

                      Reg. data:  89073 Ulm, HRB 722267

 Manager:

                      Kiesel West GmbH

                      Baindter Str. 21

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Share capital:     EUR          1,000,000.00

                      Registered

                      on:         09.11.2005

                      Reg. data:  89073 Ulm, HRB 552771

 Manager:

                      Kiesel Technologie und Entwicklung

                      Verwaltungs GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         15.11.2010

                      Reg. data:  89073 Ulm, HRB 725762

 Manager:

                      Kiesel Abbruch- und Recycling Technik GmbH

                      Wiesental Weg 3

                      D 89129 Langenau

                      Legal form: Private limited company

                      Share capital:     EUR          1,050,000.00

                      Registered

                      on:         12.02.2013

                      Reg. data:  89073 Ulm, HRB 728905

 Manager:

                      Kiesel Mitte GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Share capital:     EUR          2,100,000.00

                      Registered

                      on:         18.04.2006

                      Reg. data:  89073 Ulm, HRB 552814

 Manager:

                      Kiesel Südost GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Share capital:     EUR          1,000,000.00

                      Registered

                      on:         16.01.2008

                      Reg. data:  89073 Ulm, HRB 721838

 

 

 COMPANY HISTORY

 

 05.02.1990 - 10.04.2002  KIESEL BAUMASCHINEN HANDELS-GMBH

                          Baindter Str. 21

                          D 88255 Baienfurt

                          Private limited company

 10.04.2002 - 2013        Kiesel GmbH

                          Baindter Str. 21

                          D 88255 Baienfurt

                          Private limited company

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 4669    Wholesale of other machinery, equipment and supplies

 

77320   Renting and leasing of construction and civil engineering

 machinery and equipment

 

96090   Other service activities n. e. c.

 

 PARTICIPATIONS

 

 Limited partner:

                      Kiesel Nord GmbH & Co.KG

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR          2,659,115.85

                      contribution:

                      Share:             EUR          2,639,115.85

                      Reg. data:  02.04.2008

                                  Local court 89073 Ulm

                                  HRA 721017

 Limited partner:

                      Kiesel Finance GmbH & Co. KG

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR             50,000.00

                      contribution:

                      Share:             EUR             50,000.00

                      Reg. data:  12.08.2009

                                  Local court 89073 Ulm

                                  HRA 721637

 Shareholder:

                      Kiesel Süd GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          5,100,000.00

                      Share:             EUR          5,100,000.00

                      Reg. data:  16.01.2008

                                  Local court 89073 Ulm

                                  HRB 721836

 Shareholder:

                      Kiesel Mitte GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          2,100,000.00

                      Share:             EUR          1,900,000.00

                      Reg. data:  18.04.2006

                                  Local court 89073 Ulm

                                  HRB 552814

 Shareholder:

                      Kiesel Ost GmbH

                      Baindter Str. 21

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          1,100,000.00

                      Share:             EUR          1,100,000.00

                      Reg. data:  17.01.2008

                                  Local court 89073 Ulm

                                  HRB 721848

 Shareholder:

                      Kiesel Abbruch- und Recycling Technik GmbH

                      Wiesental Weg 3

                      D 89129 Langenau

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          1,050,000.00

                      Share:             EUR          1,050,000.00

                      Reg. data:  12.02.2013

                                  Local court 89073 Ulm

                                  HRB 728905

 Shareholder:

                      Kiesel Südost GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          1,000,000.00

                      Share:             EUR          1,000,000.00

                      Reg. data:  16.01.2008

                                  Local court 89073 Ulm

                                  HRB 721838

 Shareholder:

                      Kiesel West GmbH

                      Baindter Str. 21

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          1,000,000.00

                      Share:             EUR            900,000.00

                      Reg. data:  09.11.2005

                                  Local court 89073 Ulm

                                  HRB 552771

 Shareholder:

                      Kiesel Koops GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Company Status: in liquidation

                      since:          06.09.2013

                      Share capital:     EUR            335,000.00

                      Share:             EUR            235,000.00

                      Reg. data:  14.03.2007

                                  Local court 89073 Ulm

                                  HRB 720789

 Shareholder:

                      Kiesel Verwaltungs GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             30,000.00

                      Share:             EUR             30,000.00

                      Reg. data:  19.05.2008

                                  Local court 89073 Ulm

                                  HRB 722267

 Shareholder:

                      Kiesel Finance Management GmbH

                      Baindter Str. 29

                      D 88255 Baienfurt

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR              2,500.00

                      Reg. data:  27.07.2009

                                  Local court 89073 Ulm

                                  HRB 723876

 

 

Payment experience:  within agreed terms

 

 Negative information:We have no negative information at hand.

 

 

BALANCE SHEET YEAR:  2011

 

 

REAL ESTATE

 

 Type of ownership:        Tenant

 Address                       Bahnhofstr. 15

                                    D 01156 Dresden

 

 Type of ownership:        proprietor

 Share:                          100.00 %

 Address                       Alpenstr. 71

                                      D 87700 Memmingen

 

 Type of ownership:        proprietor

 Share:                          100.00 %

 Address                       Im Espel 4

                                    D 78187 Geisingen

 

 Type of ownership:        proprietor

 Share:                          100.00 %

 Address                       Zörbiger Str. 6a

                                    D 06188 Landsberg

 

 Type of ownership:        unknown

 Address                       Baindter Str. 29

                                    D 88255 Baienfurt

 

 Land register documents were not available.

 

 

 BANKERS

 

 BADEN-WÜRTTEMB.BANK/LANDESBANK BADEN-WÜRTTEMB., BAD SAULGAU

 Sort. code: 60050101, Account no.: 4508429, BIC: SOLADEST600

 KREISSPARKASSE RAVENSBURG, BAIENFURT

 Sort. code: 65050110, BIC: SOLADES1RVB

 

 

 FINANCIAL FIGURES

 

 Equipment:                               EUR            813,778.00

 Ac/ts receivable:                                    EUR         41,562,365.00

 Liabilities:                                  EUR         79,454,321.00

 Employees:                                                     88

 - thereof permanent staff:                                     80

 - Part-time employees:                                          1

 - Trainees:                                                         7

 

 

 BALANCE SHEETS

 

 Balance sheet ratios                 01.01.2011  - 31.12.2011

 Equity ratio [%]:                                    39.40

 Liquidity ratio:                                       0.57

 Return on total capital [%]:                   4.80

 Balance sheet grade:                                        2.4

 

 Balance sheet ratios                 01.01.2010  - 31.12.2010

 Equity ratio [%]:                                    41.65

 Liquidity ratio:                                       0.62

 Return on total capital [%]:                    3.63

 Balance sheet grade:                                        2.5

 

 Balance sheet ratios                 01.01.2009  - 31.12.2009

 Equity ratio [%]:                                    37.99

 Liquidity ratio:                                       0.59

 Return on total capital [%]:                    2.90

 Balance sheet grade:                                        2.5

 

 Balance sheet ratios                 01.01.2008  - 31.12.2008

 Equity ratio [%]:                                    27.55

 Liquidity ratio:                                       0.63

 Return on total capital [%]:                    5.09

 Balance sheet grade:                                        2.9

 

 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:                        01.01.2011 - 31.12.2011

 

ASSETS                                               EUR        130,824,078.39

Fixed assets                                          EUR         64,679,205.26

Intangible assets                                    EUR            146,771.00

Concessions, licences, rights                 EUR            146,771.00

Tangible assets                                     EUR         40,904,043.30

Land / similar rights                                EUR         33,457,648.10

Other tangible assets / fixtures and

fittings                                                   EUR            813,778.00

Advance payments made / construction

in progress                                            EUR          6,632,617.20

Financial assets                                    EUR         23,628,390.96

Shares in participations /

subsidiaries and the like                          EUR         23,628,390.96

Shares in related companies                   EUR         23,575,890.96

Shares in investee companies                 EUR             52,500.00

Current assets                                       EUR         65,945,696.65

Stocks                                                  EUR         22,930,050.00

Finished goods / work in progress           EUR         22,697,525.00

Advance payments made                        EUR            232,525.00

Accounts receivable                                           EUR         41,562,364.71

Trade debtors                                        EUR          4,161,265.31

Amounts due from related companies     EUR         36,258,711.26

Other debtors and assets                       EUR          1,142,388.14

Liquid means                                         EUR          1,453,281.94

Remaining other assets                           EUR            199,176.48

Accruals (assets)                                   EUR            199,176.48

 

LIABILITIES                                           EUR        130,824,078.39

Shareholders' equity                                           EUR         46,563,276.68

Capital                                                   EUR            400,000.00

Subscribed capital (share capital)            EUR            400,000.00

Reserves                                               EUR          3,618,000.00

Capital reserves                                     EUR          3,618,000.00

Balance sheet profit/loss (+/-)                 EUR         42,545,276.68

Profit / loss brought forward        EUR         36,261,565.12

Annual surplus / annual deficit                 EUR          6,283,711.56

Provisions                                             EUR          4,806,141.00

Provisions for taxes                                 EUR          1,673,941.00

Other / unspecified provisions                  EUR          3,132,200.00

Liabilities                                               EUR         79,454,320.71

Financial debts                                      EUR         50,039,341.05

Liabilities due to banks                           EUR         50,039,341.05

Other liabilities                                       EUR         29,414,979.66

Trade creditors (for IAS incl. bills

of exchange)                                          EUR         20,992,989.41

Liabililties due to related companies        EUR            328,486.08

Liabilities due to investee companies       EUR              1,186.55

Unspecified other liabilities                      EUR          8,092,317.62

Other liabilities                                        EUR                340.00

Deferrals (liabilities)                                 EUR                340.00

Guarantees and other commitments       EUR         35,246,800.00

Guarantees / warranties                          EUR         34,202,650.00

Guarantees                                           EUR         34,202,650.00

Liability from creation of a security

interest for third parties                           EUR          1,044,150.00

 

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

Code (HGB)

Sales                                                    EUR        200,569,323.72

Other operating income                          EUR          5,321,977.97

Cost of materials                                    EUR        182,990,604.84

Raw materials and supplies, purchased

goods                                                   EUR        180,287,661.87

Purchased services                                            EUR          2,702,942.97

Gross result (+/-)                                    EUR         22,900,696.85

Staff expenses                                       EUR          6,558,312.51

Wages and salaries                                           EUR          5,798,184.95

Social security contributions and

expenses for pension plans and

benefits                                                 EUR            760,127.56

Total depreciation                                   EUR          1,027,531.27

Depreciation on tangible / intangible

asssets (incl. start-up and exp. of

bus.                                                      EUR          1,027,531.27

Other operating expenses                       EUR          6,140,191.45

Operating result from continuing

operations                                              EUR          9,174,661.62

Interest result (+/-)                                  EUR           -490,989.80

Interest and similar income                      EUR          1,286,464.57

thereof from related companies                EUR          1,225,414.35

Interest and similar expenses                  EUR          1,777,454.37

thereof paid to related companies            EUR              3,126.74

Financial result (+/-)                               EUR           -490,989.80

Result from ordinary operations (+/-)        EUR          8,683,671.82

Income tax / refund of income tax (+/-)     EUR         -2,329,374.22

Other taxes / refund of taxes                   EUR            -70,586.04

Tax (+/-)                                                 EUR         -2,399,960.26

Annual surplus / annual deficit                  EUR          6,283,711.56

 

Type of balance sheet:                         Company balance sheet

 

Financial year:                                    01.01.2010 - 31.12.2010

 

ASSETS                                               EUR        108,936,095.50

Fixed assets                                         EUR         52,611,205.15

Intangible assets                                    EUR             91,747.00

Concessions, licences, rights                 EUR             91,747.00

Tangible assets                                      EUR         30,288,067.19

Land / similar rights                                EUR         27,841,141.28

Other tangible assets / fixtures and

fittings                                                   EUR          2,309,903.00

Advance payments made / construction

in progress                                            EUR            137,022.91

Financial assets                                    EUR         22,231,390.96

Shares in participations /

subsidiaries and the like                          EUR         22,231,390.96

Shares in related companies                   EUR         22,178,890.96

Shares in investee companies                  EUR             52,500.00

Current assets                                       EUR         56,166,089.04

Stocks                                                  EUR         18,851,496.00

Finished goods / work in progress           EUR         18,851,496.00

Accounts receivable                                           EUR         37,284,423.34

Trade debtors                                        EUR          4,715,384.44

Amounts due from related companies   EUR         30,250,577.74

Other debtors and assets                       EUR          2,318,461.16

Liquid means                                          EUR             30,169.70

Remaining other assets                          EUR            158,801.31

Accruals (assets)                                   EUR            158,801.31

 

LIABILITIES                                           EUR        108,936,095.50

Shareholders' equity                                           EUR         42,079,565.12

Capital                                                   EUR            400,000.00

Subscribed capital (share capital)            EUR            400,000.00

Reserves                                               EUR          3,618,000.00

Capital reserves                                     EUR          3,618,000.00

Balance sheet profit/loss (+/-)                   EUR         38,061,565.12

Profit / loss brought forward        EUR         34,110,846.13

Annual surplus / annual deficit                  EUR          3,950,718.99

Provisions                                              EUR          3,583,152.00

Provisions for taxes                                EUR          1,099,989.00

Other / unspecified provisions                   EUR          2,483,163.00

Liabilities                                                EUR         63,273,378.38

Financial debts                                      EUR         30,586,871.13

Liabilities due to banks                            EUR         30,586,871.13

Other liabilities                                       EUR         32,686,507.25

Trade creditors (for IAS incl. bills

of exchange)                                          EUR         21,371,090.36

Liabilities due to investee companies       EUR              1,521.97

Unspecified other liabilities                      EUR         11,313,894.92

thereof liabilities from tax /

financial authorities                                 EUR          2,535,179.45

thereof liabilities from social

security                                                 EUR              5,346.20

 

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

Code (HGB)

Sales                                                     EUR        138,904,445.48

Other operating income                           EUR          6,438,574.37

Cost of materials                                    EUR        126,163,716.69

Raw materials and supplies, purchased

goods                                                   EUR        124,778,510.20

Purchased services                                            EUR          1,385,206.49

Gross result (+/-)                                   EUR         19,179,303.16

Staff expenses                                       EUR          5,436,140.46

Wages and salaries                                           EUR          4,797,929.75

Social security contributions and

expenses for pension plans and

benefits                                                 EUR            638,210.71

Total depreciation                                   EUR          1,127,856.10

Depreciation on tangible / intangible

asssets (incl. start-up and exp. of

bus.                                                      EUR          1,127,856.10

Other operating expenses                       EUR          6,632,247.34

Operating result from continuing

operations                                             EUR          5,983,059.26

Interest result (+/-)                                 EUR           -324,495.96

Interest and similar income                     EUR          1,093,681.11

thereof from related companies                EUR          1,044,246.75

Interest and similar expenses                  EUR          1,418,177.07

thereof paid to related companies            EUR              4,937.67

Financial result (+/-)                               EUR           -324,495.96

Result from ordinary operations (+/-)        EUR          5,658,563.30

Income tax / refund of income tax (+/-)     EUR         -1,644,615.00

Other taxes / refund of taxes                   EUR            -63,229.31

Tax (+/-)                                                EUR         -1,707,844.31

Annual surplus / annual deficit                 EUR          3,950,718.99


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.94

UK Pound

1

Rs.102.06

Euro

1

Rs.84.31

 

 

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.