MIRA INFORM REPORT

 

 

Report Date :

23.01.2014

 

IDENTIFICATION DETAILS

 

Name :

BOSSARD AG

 

 

Registered Office :

Steinhauserstrasse 70, Postfach, 6301 Zug/ZG

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2012

 

 

Year of Establishments:

1831

 

 

Com. Reg. No.:

170.3.005.204-5 / 23696

 

 

Legal Form :

Company limited by shares

 

 

Line of Business :

Engaged trading consumer goods of the connection, manufacturing, testing- and assembly technology.

 

Subject product range includes bolts, nuts, rivets, washers & connecting elements.

 

 

No. of Employees :

300

 

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 :

---

 

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)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

switzerland ECONOMIC OVERVIEW

 

Switzerland is a peaceful, prosperous, and modern market economy with low unemployment, a highly skilled labor force, and a per capita GDP among the highest in the world. Switzerland's economy benefits from a highly developed service sector, led by financial services, and a manufacturing industry that specializes in high-technology, knowledge-based production. Its economic and political stability, transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates also make Switzerland one of the world's most competitive economies. The Swiss have brought their economic practices largely into conformity with the EU's to enhance their international competitiveness, but some trade protectionism remains, particularly for its small agricultural sector. The fate of the Swiss economy is tightly linked to that of its neighbors in the euro zone, which purchases half of all Swiss exports. The global financial crisis of 2008 and resulting economic downturn in 2009 stalled export demand and put Switzerland in a recession. The Swiss National Bank (SNB) during this period effectively implemented a zero-interest rate policy to boost the economy as well as prevent appreciation of the franc, and Switzerland's economy recovered in 2010 with 3.0% growth. The sovereign debt crises currently unfolding in neighboring euro-zone countries pose a significant risk to Switzerland's financial stability and are driving up demand for the Swiss franc by investors seeking a safe-haven currency. The independent SNB has upheld its zero-interest rate policy and conducted major market interventions to prevent further appreciation of the Swiss franc, but parliamentarians have urged it to do more to weaken the currency. The franc's strength has made Swiss exports less competitive and weakened the country's growth outlook; GDP growth fell to 1.9% in 2011 and 0.8% in 2012. Switzerland has also come under increasing pressure from individual neighboring countries, the EU, the US, and international institutions to reform its banking secrecy laws. Consequently, the government agreed to conform to OECD regulations on administrative assistance in tax matters, including tax evasion. The government has renegotiated its double taxation agreements with numerous countries, including the US, to incorporate the OECD standard, and is considering the possibility of imposing taxes on bank deposits held by foreigners. These steps will have a lasting impact on Switzerland's long history of bank secrecy.

 

Source : CIA

 

 


Company name

 

Bossard AG

 

 

Operating address

 

Steinhauserstrasse 70

Postfach

6301 Zug/ZG

Switzerland/CH

 

Telephone:                    041 7496611

Fax:                             041 7496622

 

Web site:                      http://www.bossard.com

E-mail:                         bossard@bossard.com

 

VAT-No.:                      CHE101058161

 

 

Profile

 

Established:                  1831

Line of Business:           Consumer goods wholesale

Industry Division:           Wholesale trade

Industry-code (NACE):     4672     Wholesale of metals and metal ores

Import/Export:               Export

Quality certification:       ISO 9001 2008

                                    ISO 14001 2004

Banks:                         UBS AG, Baarerstrasse 14a, 6301 Zug, Swift: UBSWCHZH63A

                                    CREDIT SUISSE (4), Bahnhofstrasse 17, 6301 Zug, Swift: CRESCHZZ63A

 

 

Operational Figures

 

Coverage:                     Company

Figures:                        estimated

Employees:                  300

Sales:                          CHF 100-200 Mio

 

 


Activity

 

Engaged trading consumer goods of the connection, manufacturing, testing- and assembly technology.

 

Subject product range includes bolts, nuts, rivets, washers & connecting elements.

 

 

Real Estate

 

Information on property ownership was not available.

 

 

Company Register

 

Company No:                170.3.005.204-5 / 23696

Legal form:                    Company limited by shares

Registration:                 26.03.1973

Legal status:                 active

Responsible Register:    Handelsregister des Kantons Zug

History:                        Date of Statutes: 08.06.1983

                                    Date of Statutes: 09.09.1996

 

Entry            Deleted   Name

active                           Bossard AG

active                           Bossard Ltd (Name translated)

active                           Bossard SA (Name translated)

 

Entry            Deleted   Legal domicile

active                           Zug, Switzerland

 

Entry            Deleted   Address

13.04.2004                    Steinhauserstrasse 70, 6301 Zug, Switzerland/CH

                    13.04.2004  Steinhauserstrasse 70, 6300 Zug/ZG, Switzerland/CH

 

Entry            Deleted   Capital

active                           Share Capital CHF 12,000,000, paidup CHF 12,000,000

 

Entry            Deleted   Capital Structure

11.09.1996                    120,000 Registered shares with restricted transferability of CHF 100.--

 

Entry            Deleted   Activity (original Language)

active                           Handel und insbesondere technischer Grosshandel mit Bedarfsgütern der Verbindungs-, Fertigungs-, Mess- und Montagetechnik, Erbringung von Engineeringleistungen zur Vermittlung und Entwicklung von Systemen und Methoden für die Optimierung der An- und Verwendung dieser technischen Güter; kann sich an anderen Gesellschaften beteiligen und Immobilien erwerben.                                                                                                                                                                                                                                                                                                                                                                                    .

 

Entry          Deleted      Remarks (original Language)

active                           Publishing authority: SHAB.

active                           Merger:  Fusion mit der Firma "Bossard Do-it-Yourself AG", in Zug nach Massgabe von Art. 748 OR.

08.11.2006                    Merger: Uebernahme der Aktiven und Passiven der "Bossard International AG", in Zug (CH-170.3.010.629-0), gemäss Fusionsvertrag vom 27.10.2006 und Bilanz per 31.05.2006. Aktiven von CHF 229'938'843.00 und Fremdkapital von CHF 193'144'969.00 gehen auf die übernehmende Gesellschaft über. Da dieselbe Aktionärin sämtliche Aktien der an der Fusion beteiligten Gesellschaften hält, findet weder eine Kapitalerhörhung noch eine Aktienzuteilung statt.

15.02.2000                    Merger: Uebernahme der Aktiven von CHF 1'258'395.00 und der Passiven von CHF 1'220'995.00 der "Bossard Technologie AG", in Zug, gemäss Bilanz per 31.12.1999 und Fusionsvertrag vom 04.02.2000 nach Massgabe von Art. 748 OR. Da die übernehmende Gesellschaft Eigentümerin sämtlicher Aktien der übernommenen Gesellschaft ist, findet keine Kapitalerhöhung statt.

 

 

Official Administration

 

Title                                           Name

President                                    David Dean, Origin: Volketswil, Switzerland, Residential address: Meilen, Switzerland, joint signature of two

Director                                      Stephan Zehnder, Origin: Zug, Switzerland, Residential address: 63123 Steinhausen/ZG, Switzerland, joint signature of two, Registered since: 02.02.1999

 

 

Management

 

Title                                           Name

Director                                      Daniel Bossard, Origin: Zug, Switzerland, Residential address: Allenwinden, Switzerland, joint signature of two, Registered since: 14.06.2007

Director                                      Beat Grob, Origin: Cham, Switzerland, Residential address: 6330 Cham/ZG, Switzerland, joint signature of two, Registered since: 20.01.1997

Director                                      Stephan Zehnder, Origin: Zug, Switzerland, Residential address: 63123 Steinhausen/ZG, Switzerland, joint signature of two, Registered since: 02.02.1999

Vice-Director                               Alexander Angst, Origin: Horgen, Switzerland, Residential address: 6300 Zug/ZG, Switzerland, joint signature of two, Registered since: 04.06.2009

Vice-Director                               Andreas Bertaggia, Origin: Zug, Switzerland, Residential address: Steinhausen, Switzerland, joint signature of two, Registered since: 07.04.2006

Vice-Director                               Albert Britschgi, Origin: Sarnen, Switzerland, Residential address: 6340 Baar/ZG, Switzerland, joint signature of two, Registered since: 20.02.2002

Vice-Director                               Markus A. Burkard, Origin: Sursee, Switzerland, Residential address: Eich, Switzerland, joint signature of two

Vice-Director                               Manuel Caccetta, Origin: Luzern, Switzerland, Residential address: Root, Switzerland, joint signature of two, Registered since: 09.07.2008

Vice-Director                               Gebhard Elsener, Origin: Menzingen, Switzerland, Residential address: Hünenberg, Switzerland, joint signature of two

Vice-Director                               Urs Güttinger, Origin: Opfikon, Switzerland, Residential address: Steinhausen, Switzerland, joint signature of two, Registered since: 08.02.2000

Vice-Director                               Erica Jakober, Origin: Glarus, Schänis, Switzerland, Residential address: Hünenberg, Switzerland, joint signature of two, Registered since: 29.06.1995

Vice-Director                               Jacqueline Kaufmann, Origin: Winikon, Switzerland, Residential address: 8912 Obfelden/ZH, Switzerland, joint signature of two, Registered since: 01.02.2006

Vice-Director                               Stefan Müller, Origin: Seuzach, Switzerland, Residential address: Geroldswil, Switzerland, joint signature of two, Registered since: 09.07.2008

Vice-Director                               Tee Bin Ong, Origin: Malaysia, Residential address: 6300 Zug/ZG, Switzerland, joint signature of two, Registered since: 22.01.2009

Vice-Director                               Guido Pfister, Origin: Dagmersellen, Switzerland, Residential address: 6204 Sempach Stadt/LU, Switzerland, joint signature of two, Registered since: 09.07.2008

Vice-Director                               Martin Rüedy, Origin: Gächlingen, Switzerland, Residential address: Steinhausen, Switzerland, joint signature of two, Registered since: 27.01.2003

Vice-Director                               Daniel Stutz, Origin: Arni AG, Islisberg, Switzerland, Residential address: 6344 Meierskappel/LU, Switzerland, joint signature of two, Registered since: 27.01.2003

Vice-Director                               Roland von Arb, Origin: Neuendorf, Switzerland, Residential address: Cham, Switzerland, joint signature of two

Member with procuration              Christoph Brun, Origin: Reiden,  Dagmersellen, Switzerland, Residential address: Luzern, Switzerland, joint power of attorney of two, Registered since: 01.02.2006

Member with procuration              Davide Di Marzo, Origin: Italy, Residential address: 6000 Luzern/LU, Switzerland, joint power of attorney of two, Registered since: 04.06.2009

Member with procuration              Richard Döngi, Origin: Engelberg, Switzerland, Residential address: 6343 Rotkreuz/ZG, Switzerland, joint power of attorney of two, Registered since: 14.06.2010

Member with procuration              Bernardo Egli, Origin: Affoltern am Albis, Switzerland, Residential address: Walchwil, Switzerland, joint power of attorney of two, Registered since: 29.05.2013

Member with procuration              Jürgen Eixler, Origin: Winterthur, Hünenberg, Switzerland, Residential address: Hünenberg, Switzerland, joint power of attorney of two, Registered since: 16.05.2012

Member with procuration              Renato Guccione, Origin: Italy, Residential address: 5406 Rütihof/AG, Switzerland, joint power of attorney of two, Registered since: 14.06.2010

Member with procuration              Kurt Hürlimann, Origin: Dürnten, Switzerland, Residential address: Unterägeri, Switzerland, joint power of attorney of two, Registered since: 24.05.2011

Member with procuration              Alexander Kaiser, Origin: Ennetmoos, Switzerland, Residential address: Büren/NW, Switzerland, joint power of attorney of two, Registered since: 21.11.2011

Member with procuration              Remo Mibus, Origin: Zürich, Switzerland, Residential address: 6284 Gelfingen/LU, Switzerland, joint power of attorney of two, Registered since: 14.06.2010

Member with procuration              Jeremias Näf, Origin: Menznau, Switzerland, Residential address: Unterägeri, Switzerland, joint power of attorney of two, Registered since: 24.05.2011

Member with procuration              Guido Osterwalder, Origin: Emmen, Waldkirch, Switzerland, Residential address: Emmenbrücke, Switzerland, joint power of attorney of two, Registered since: 29.06.1995

Member with procuration              Susan Piske, Origin: Germany, Residential address: Dürrenäsch, Switzerland, joint power of attorney of two, Registered since: 24.05.2011

Member with procuration              Claudia Rechsteiner, Origin: Appenzell, Switzerland, Residential address: Hünenberg, Switzerland, joint power of attorney of two, Registered since: 24.05.2011

Member with procuration              Patrick Tschan, Origin: Basel, Switzerland, Residential address: Steinhausen, Switzerland, joint power of attorney of two, Registered since: 05.02.2013

Member with procuration              Franz Weingand, Origin: Sins, Switzerland, Residential address: Steinhausen, Switzerland, joint power of attorney of two, Registered since: 24.05.2011

Member with procuration              Herbert Wildi, Origin: Schafisheim, Switzerland, Residential address: Unterägeri, Switzerland, joint power of attorney of two

 

 

External Positions

 

Title                                           Name

Auditor                                       PricewaterhouseCoopers AG, Residential address: Zürich, Switzerland, Id: CH-020.3.020.876-5, Registered since: 25.09.2000

 

 

Executive board

 

Title                                           Name

Chief Sales Officer                       Roland von Arb (rvonarb@bossard.com)

Chief Human Resources Officer    Erica Jakober (ejakober@bossard.com)

 

 

Financial Data Bossard Group

 

Consolidation:               consolidated

Industry:                       Trade/Industry

 

Fiscal year end:                                     31.12.2012        31.12.2011        31.12.2010        31.12.2009        31.12.2008

Number of months:                                       12                    12                    12                    12                    12

Currency:                                                 th. CHF             th. CHF            th. CHF             th. CHF            th. CHF

Statement norm:                                   Local GAAP      Local GAAP      Local GAAP      Local GAAP            IAS

 

Balance Sheet

Intangible fixed assets                                   3,277.0             2,813.0             3,429.0             3,938.0           44,857.0

Land and buildings                                       54,475.0           36,376.0           37,773.0           41,874.0           44,181.0

Other tangible fixed assets                           31,726.0           28,520.0           17,220.0           18,906.0           23,294.0

Tangible fixed assets                                   86,201.0           64,896.0           54,993.0           60,780.0           67,475.0

Financial fixed assets                                    1,247.0             1,611.0             1,548.0             2,173.0             6,596.0

other fixed assets                                          5,004.0             2,472.0             2,120.0             3,101.0

Fixed assets                                               95,729.0           71,792.0           62,090.0           69,992.0         118,928.0

Stocks                                                      155,583.0          153,585.0         126,018.0          117,692.0         169,270.0

Trade accounts receivable                            85,299.0           79,962.0           74,268.0           63,087.0           78,987.0

Liquid assets                                              25,629.0           15,647.0           18,980.0           22,439.0           11,413.0

Securities                                                                                                          0.0                126.0                937.0

other trade accounts                                      5,773.0             2,080.0             2,024.0                920.0             1,152.0

Accruals                                                       8,290.0             7,965.0             9,363.0           10,251.0             9,475.0

Other current assets                                    39,692.0           25,692.0           30,367.0           33,736.0           22,977.0

Current assets                                           280,574.0          259,239.0         230,653.0          214,515.0         271,234.0

Total assets                                              376,303.0          331,031.0         292,743.0          284,507.0         390,162.0

 

Capital                                                        32,000.0           32,000.0           32,000.0           32,000.0           32,000.0

Other shareholders funds                             14,681.0          170,691.0         143,751.0          126,719.0         162,987.0

Total shareholders equity                             46,681.0          202,691.0         175,751.0          158,719.0         194,987.0

Minority interests                                          3,427.0             3,549.0             3,603.0             3,296.0             2,971.0

long term debt (financial debts)                   110,000.0                   0.0                   0.0           40,000.0           41,045.0

Provisions                                                     6,870.0             1,251.0             1,518.0             1,664.0             1,686.0

Other non current liabilities                             3,713.0             2,438.0             2,495.0             5,842.0           10,267.0

Non current liabilities                                  120,583.0             3,689.0             4,013.0           47,506.0           52,998.0

short term debt (financial debts)                  117,814.0           45,254.0           44,727.0           21,079.0           69,755.0

Trade accounts payable                               38,657.0           30,984.0           27,727.0           25,183.0           33,920.0

Provisions                                                       979.0             1,254.0                846.0                567.0             1,064.0

Accruals                                                     23,853.0           24,481.0           24,154.0           20,531.0           23,851.0

other accounts payable                                24,309.0           19,129.0           11,922.0             7,626.0           10,616.0

other current liabilities                                  49,141.0           44,864.0           36,922.0           28,724.0           35,531.0

Current liabilities                                        205,612.0          121,102.0         109,376.0           74,986.0         139,206.0

Shareh. equity, min. interests + liabilities     376,303.0          331,031.0         292,743.0          284,507.0         390,162.0

 

Profit and loss account

Sales                                                        487,094.0          473,484.0         477,609.0          395,109.0         565,701.0

Reduction of proceeds                                 15,921.0           15,767.0           18,885.0           15,248.0           22,858.0

Net sales                                                  471,173.0          457,717.0         458,724.0          379,861.0         542,843.0

Other operating revenue                                 3,279.0                   0.0                   0.0                   0.0                   0.0

Operating revenue                                      474,452.0          457,717.0         458,724.0          379,861.0         542,843.0

Cost of goods sold                                     283,695.0          272,165.0         270,307.0          233,514.0         340,082.0

Gross profit                                               190,757.0          185,552.0         188,417.0          146,347.0         202,761.0

Other operating expenses                           139,847.0          135,292.0         141,151.0          127,534.0         157,640.0

Operating result                                           50,910.0           50,260.0           47,266.0           18,813.0           45,121.0

Interest revenues                                              338.0                400.0                533.0                221.0             1,890.0

other financial revenues                                  1,279.0                953.0             6,667.0             2,513.0             1,312.0

Financial income                                           1,617.0             1,353.0             7,200.0             2,734.0             3,202.0

Interest expenses                                          2,258.0             1,920.0             2,392.0             2,820.0             7,091.0

other financial expenses                                1,165.0             1,518.0             6,686.0             2,086.0             4,810.0

Financial expenses                                       3,423.0             3,438.0             9,078.0             4,906.0           11,901.0

Financial result                                            -1,806.0            -2,085.0            -1,878.0            -2,172.0            -8,699.0

Result before extraordinary items                  49,104.0           48,175.0           45,388.0           16,641.0           36,422.0

Extraordinary Result                                            0.0                   0.0                   0.0                   0.0                   0.0

Result before taxes                                      49,104.0           48,175.0           45,388.0           16,641.0           36,422.0

Taxes                                                           6,197.0             3,362.0                460.0             1,343.0             4,040.0

Result before minority interests                     42,907.0           44,813.0           44,928.0           15,298.0           32,382.0

minority interests                                               41.0                553.0                664.0                160.0                245.0

Result for the financial year                          42,866.0           44,260.0           44,264.0           15,138.0           32,137.0

 

Cash flow

Depreciation                                                10,447.0             9,836.0             8,898.0             9,657.0           11,856.0

Cash flow                                                    53,354.0           54,649.0           53,826.0           24,955.0           44,238.0

Cash flow from operating activities                 56,319.0           25,942.0           28,366.0           73,506.0           34,437.0

Investments in tangible fixed assets              21,482.0           12,231.0             7,122.0             3,911.0           10,319.0

Cash flow from investing activities               -210,807.0          -12,810.0            -5,898.0            -3,463.0          -11,518.0

Cash flow from financing activities               164,647.0          -16,626.0          -24,209.0          -59,502.0          -20,660.0

Others                                                           -177.0                161.0            -1,718.0               -325.0               -942.0

Change in liquidity                                         9,982.0            -3,333.0            -3,459.0           10,216.0             1,317.0

Liquidity at beginning of the year                   15,647.0           18,980.0           22,439.0           12,223.0           10,906.0

Liquidity at end ot the year                           25,629.0           15,647.0           18,980.0           22,439.0           12,223.0

 

Notes

Material costs                                           283,695.0          272,165.0         270,307.0          233,514.0         340,082.0

Cost of employees                                       99,627.0           96,986.0           99,393.0           86,012.0         107,076.0

Added value                                              161,436.0          156,917.0         156,071.0          115,130.0         162,445.0

Working Capital                                         202,225.0          202,563.0         172,559.0          155,596.0         214,337.0

Sales per Employee                                         303.8                306.6                329.3                270.7                301.6

Market capitalisation                                  399,500.0          303,633.1         324,881.2          176,236.7         137,265.4

Gross cost land and buildings                       95,162.0           75,093.0           74,815.0           78,498.0           78,631.0

Gross cost other tangible fixed assets         106,537.0          100,224.0           88,667.0           89,493.0           88,505.0

Gross cost total                                         201,699.0          175,317.0         163,482.0          167,991.0         167,136.0

Insurance value total                                  179,400.0          161,400.0         151,300.0          162,000.0         165,900.0

 

Employees  at year end                                                                                                           1,403                1,800

Full time units average                                      1,551                1,493                1,393                1,355                1,666

 

 

Ultimate Parent Company

 

Name:                          Bossard Holding AG

City/Country:                 Zug/ZG, Switzerland/CH

 

 

Owner/-s

 

No. of Owner/-s:            1

Owner:                         The company is domestic owned.

 

Class:                          100%

Type:                            direct, Group-Level 1

Name:                          Bossard Holding AG

City/Country:                 Zug/ZG, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest

 

 

Sisters

 

Name:                          Bossard Finance AG

City/Country:                 Zug/ZG, Switzerland/CH

 

 

Investments

 

Class:                          100%

Name:                          Bossard SK, spol. s r.o. v likvidácii

City/Country:                 Dubnica nad Váhom, Slovakia/SK

Interest:                        100,00% voting right, 100,00% capital interest (since 23.02.2007)

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

06.12.2013          2013                           1                 105,340.--      Opposition filed

06.12.2013          2012                           0

06.12.2013          2011                           0

06.12.2013          2010                           0

06.12.2013          2009                           0

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 

 

Remarks

Debt Collection Case:

JAN 2014: CHF 90.00.

 

Credit Information

 

Financial Statements:    The company does not disclose any financial statements. Third parties are not permitted any insight into the financial affairs. It is therefore difficult to make a proper assessment of the actual situation.

 

Financial Situation:        The financial situation is considered to be good.

 

Payment experiences:   Financial obligations are met as appropriate.


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.92

UK Pound

1

Rs.101.98

Euro

1

Rs.83.93

 

INFORMATION DETAILS

 

Report Prepared by :

MNL

 

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.