MIRA INFORM REPORT

 

 

Report Date :

07.07.2014   

 

IDENTIFICATION DETAILS

 

Name :

SEAFISH S.R.L.

 

 

Registered Office :

Piazza  Gregoris Lambrakis, 2/F 40139 – Bologna (BO)   

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

29.10.2009

 

 

Legal Form :

Limited liability company

 

 

Line of Business :

Wholesale of other food, including fish, crustaceans and molluscs.

 

 

No. of Employees

From 01 to 05

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

Payment Behaviour :

Slow but correct

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 – March 31, 2014

 

Country Name

Previous Rating

(31.12.2013)

Current Rating

(31.03.2014)

Italy

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderate Low Risk

 

B1

Moderate Risk

 

B2

Moderate High Risk

 

C1

High Risk

 

C2

Very High Risk

 

D

 

 


 

ITALY ECONOMIC OVERVIEW

 

Italy has a diversified industrial economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, where unemployment is higher. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family-owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but its exceptionally high public debt and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, topping 133% of GDP in 2013, but investor concerns about Italy and the broader euro-zone crisis eased in 2013, bringing down Italy's borrowing costs on sovereign government debt from euro-era. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's long-standing structural impediments to growth, such as labor market inefficiencies and widespread tax evasion. In 2013 economic growth and labor market conditions deteriorated, with growth at -1.8% and unemployment rising to 12.4%, with youth unemployment around 40%. Italy's GDP is now 8% below its 2007 pre-crisis level

 

Source : CIA

 

 

 


Company name and address

 

SEAFISH S.R.L.

 

 

Piazza  Gregoris Lambrakis,       2/F

 

40139   - Bologna          (BO)     -IT-

 

 

Summary

 

Fiscal Code

:

02976431201

Legal Form

:

Limited liability company

start of Activities

:

29/10/2009

Equity

:

80.000

Turnover Range

:

3.000.000/3.750.000

Number of Employees

:

from 1 to 5

 

 

Activity

 

Wholesale of other food, including fish, crustaceans and molluscs

 

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 02976431201

 

Chamber of Commerce no. : 481929 of Bologna since 29/10/2009

 

Chamber of Commerce no. : 142052 of Pescara

 

V.A.T. Code : 02976431201

 

Establishment date

: 19/10/2009

Start of Activities

: 29/10/2009

Legal duration

: 31/12/2050

Nominal Capital

: 50.000

 

Subscribed Capital

: 50.000

 

Paid up Capital

: 50.000

 

 


 

Members

 

Orsini Nicola

 

 

 

Born in Silvi

(TE)

on 24/06/1949

- Fiscal Code : RSNNCL49H24I741U

 

 

Fiscal residence:

 

Garibaldi

, 74

- 64028

Silvi

(TE)

- IT -

 

Position

Since

Shares Amount

% Ownership

Partner

 

 

 

 

No Prejudicial events are reported

 

No Protests registered

 

Sabatini Franco

 

 

 

Born in Sulmona

(AQ)

on 06/07/1961

- Fiscal Code : SBTFNC61L06I804V

 

 

Fiscal residence:

 

Garibaldi

, 46

- 67039

Sulmona

(AQ)

- IT -

 

Position

Since

Shares Amount

% Ownership

Partner

 

 

 

 

No Prejudicial events are reported

 

No Protests registered

 

Colasanti

Diana

 

 

Born in Sulmona

(AQ)

on 05/09/1962

- Fiscal Code : CLSDNI62P45I804C

 

 

Residence:

 

Villaggio Gemma

, 5

- 67030

Introdacqua

(AQ)

- IT -

 

Position

Since

Shares Amount

% Ownership

Sole Director

13/10/2010

 

 

 

No Prejudicial events are reported

 

No Protests registered

 

Corneli

Rita Laura

 

 

Born in Pescara

(PE)

on 31/10/1954

- Fiscal Code : CRNRLR54R71G482K

 

 

Residence:

 

Garibaldi

, 153

- 64028

Silvi

(TE)

- IT -

 

Position

Since

Shares Amount

% Ownership

Person in charge

01/08/2011

 

 



Companies connected to members *

 

*checkings have been performed on a national scale.

In this module the companies in which members hold/held positions are listed.

 

The Members of the subject firm are not reported to be Members in other companies.



Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Orsini Nicola

Silvi - IT -

RSNNCL49H24I741U

12.500 .Eur

25,00

Sabatini Franco

Sulmona - IT -

SBTFNC61L06I804V

12.500 .Eur

25,00

Colasanti Diana

Introdacqua - IT -

CLSDNI62P45I804C

13.000 .Eur

26,00

Corneli Rita Laura

Silvi - IT -

CRNRLR54R71G482K

12.000 .Eur

24,00

 

 

Direct Participations

 

The Company under review has no participations in other Companies.




 

Firm's location and structure

 

In order to carry out its activities the firm uses the following locations:

 

-

Legal and operative seat

 

 

 

 

 

 

 

Gregoris Lambrakis

, 2/F

- 40100

- Bologna

(BO)

- IT -

 

-

Branch

(Sales office)

since 18/11/2009

 

 

 

 

 

 

Mulino Del Gioco

, 8

- 65013

- Citta' Sant'Angelo

(PE)

- IT -

 

 

 

 

Employees

: 3

 

 

 

Protests

 

Protests checking on the subject firm has given a negative result.

 

 

Data Base Prejudicial Events Search

 

Search performed on a National Scale

 

 

Prejudicial Events Search Result: NEGATIVE

 

Search performed on a specialized data base.

 

 

Legal Procedures

 

None reported, standing to the latest received edition of the Official Publications.



Financial and Economical Analysis

 

Company's starting of activities dates back to some years ago (2009).

The eonomic-financial analysis is based on the latest 3 b/s.

Under an economic point of view, profits were registered during the last years with a r.o.e. of 11,35% in 2012 thanks to a progressive increase in turnover (+18,97% in 2012 compared to 2011 and +47,55% in 2011 compared to 2010).

The operating result in 2012 was positive (6,21%) and reflects the field's average.

The amount of the operating result is equal to Eur. 51.104 , on more or less the same values as in the year before.

The gross operating margin of the latest financial year is of Eur. 106.630 showing a downward trend as opposed to the previous year.

The financial position is not well balanced as the volume of debts is fairly remarkable if compared to shareholder's equity, in fact total debts are 4,97 which is decreasing.

With regard to equity capital, an amount of Eur. 74.610 is registered. , stable in comparison with the value of the previous year.

Total indebtedness was equal to Eur. 741.968 (Eur. 335.400 was the value of m/l term debts) on the same levels as the year before.

Current liquid assets is positive.

As far as the cash flow is concerned during the latest financial year it amounted to Eur. 28.141

Labour cost amounts to Eur. 75.403, with a 2,31% incidence on production costs. , whereas the incidence on sales revenues is of 2,28%.

The financial management has a limited economic impact, equal to -0,69% on the sales.



Financial Data

 

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

3.313.313

Profit (Loss) for the period

8.471

 

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

2.784.812

Profit (Loss) for the period

14.694

 

 

Complete balance-sheet for the year

al 31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

1.887.296

Profit (Loss) for the period

8.223




 

Balance Sheets

 

From our constant monitoring of the relevant Public Administration offices, no more recent balance sheets result to have been filed.

 

- Balance Sheet as at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2011 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2010 - 12 Mesi - Currency: - Amounts x 1

 

Years

2012

2011

2010

BALANCE SHEET ACCOUNTS

 

ASSETS

 

 

 

CREDITS VS PARTNERS

 

 

 

. Deposits not yet withdrawn

 

 

 

. Deposits already withdrawn

 

 

 

Total credits vs partners

 

 

 

FIXED ASSETS

 

 

 

. INTANGIBLE FIXED ASSETS

 

 

 

. . Start-up and expansion expenses

 

 

 

. . Research,develop. and advert.expens.

 

 

 

. . Industrial patent rights

 

 

 

. . Concessions,licenses,trademarks,etc.

 

 

 

. . Goodwill

 

 

 

. . Assets in formation and advance paymen.

 

 

 

. . Other intangible fixed assets

 

 

 

. Total Intangible Fixed Assets

9.683

9.548

12.137

. TANGIBLE FIXED ASSETS

 

 

 

. . Real estate

 

 

 

. . Plant and machinery

 

 

 

. . Industrial and commercial equipment

 

 

 

. . Other assets

 

 

 

. . Assets under construction and advances

 

 

 

. Total Tangible fixed assets

48.743

61.737

12.640

. FINANCIAL FIXED ASSETS

 

 

 

. . Equity investments

 

 

 

. . . Equity invest. in subsidiary companies

 

 

 

. . . Equity invest. in associated companies

 

 

 

. . . Equity invest. in holding companies

 

 

 

. . . Equity invest. in other companies

 

 

 

. . Financial receivables

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivab due from subsidiaries

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from assoc.comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from holding comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . . Receivables due from third parties

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Other securities

 

 

 

. . Own shares

 

 

 

. . . Total nominal value

 

 

 

. Total financial fixed assets

 

 

 

Total fixed assets

58.426

71.285

24.777

CURRENT ASSETS

 

 

 

. INVENTORIES

 

 

 

. . Raw materials and other consumables

 

 

 

. . Work in progress and semimanufactured

 

 

 

. . Work in progress on order

 

 

 

. . Finished goods

 

 

 

. . Advance payments

 

 

 

. Total Inventories

 

 

 

. CREDITS NOT HELD AS FIXED ASSETS

 

 

 

. . Within 12 months

722.140

725.473

541.394

. . Beyond 12 months

1.686

1.680

1.668

. . Trade receivables

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from subsid. comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from assoc. comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from holding comp.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Fiscal Receivables

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables for anticipated taxes

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Receivables due from third parties

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. Total Credits not held as fixed assets

723.826

727.153

543.062

. FINANCIAL ASSETS

 

 

 

. . Equity invest. in subsidiary comp.

 

 

 

. . Equity invest. in associated companies

 

 

 

. . Equity invest. in holding companies

 

 

 

. . Other equity investments

 

 

 

. . Own shares

 

 

 

. . . Total nominale value

 

 

 

. . Other securities

 

 

 

. Total Financial Assets

 

 

 

. LIQUID FUNDS

 

 

 

. . Bank and post office deposits

 

 

 

. . Checks

 

 

 

. . Banknotes and coins

 

 

 

. Total Liquid funds

35.495

5.695

58.780

Total current assets

759.321

732.848

601.842

ADJUSTMENT ACCOUNTS

 

 

 

. Discount on loans

 

 

 

. Other adjustment accounts

4.831

7.664

 

Total adjustments accounts

4.831

7.664

 

TOTAL ASSETS

822.578

811.797

626.619

 

 

 

 

LIABILITIES

 

 

 

STOCKHOLDERS' EQUITY

 

 

 

. Capital stock

50.000

50.000

50.000

. Additional paid-in capital

 

 

 

. Revaluation reserves

 

 

 

. Legal reserve

1.146

411

 

. Reserve for Own shares

 

 

 

. Statute reserves

1.034

1.034

 

. Other reserves

 

 

 

. Accumulated Profits (Losses)

13.959

 

-6.778

. Profit( loss) of the year

8.471

14.694

8.223

. Advances on dividends

 

 

 

. Partial loss of the year Coverage

 

 

 

Total Stockholders'Equity

74.610

66.139

51.445

RESERVES FOR RISKS AND CHARGES

 

 

 

. . Reserve for employee termination indem.

 

 

 

. . Taxation fund, also differed

 

 

 

. . Other funds

 

 

 

Total Reserves for Risks and Charges

6.000

6.000

 

Employee termination indemnities

 

 

 

ACCOUNTS PAYABLE

 

 

 

. . . . Within 12 months

406.568

404.258

575.174

. . . . Beyond 12 months

335.400

335.400

 

. . Bonds

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Convertible bonds repayable

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to shareholders for financing

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to banks

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to other providers of finance

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Advances from customers

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Trade payables

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Securities issued

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to subsidiary companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to associated companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to holding companies

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to the tax authorities

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Due to social security and welfare inst.

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

. . Other payables

 

 

 

. . . . Within 12 months

 

 

 

. . . . Beyond 12 months

 

 

 

Total accounts payable

741.968

739.658

575.174

ADJUSTMENT ACCOUNTS

 

 

 

. Agio on loans

 

 

 

. Other adjustment accounts

 

 

 

Total adjustment accounts

 

 

 

TOTAL LIABILITIES

822.578

811.797

626.619

 

 

 

 

 

 

MEMORANDUM ACCOUNTS

 

Third party goods

 

 

 

Investment accounts

 

 

 

Risk accounts

 

 

 

Civil and fiscal norms relation

 

 

 

 

 

 

 

 

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

 

 

 

. Revenues from sales and services

3.313.313

2.784.812

1.887.296

. Changes in work in progress

 

 

 

. Changes in semi-manufact. products

 

 

 

. Capitalization of internal work

 

 

 

. Other income and revenues

2.109

3.760

1.868

. . Contributions for operating expenses

 

 

 

. . Different income and revenues

2.109

3.760

1.868

Total value of production

3.315.422

2.788.572

1.889.164

PRODUCTION COSTS

 

 

 

. Raw material,other materials and consum.

2.651.515

2.441.245

1.579.773

. Services received

 

 

 

. Leases and rentals

464.569

148.983

167.918

. Payroll and related costs

75.403

 

67.999

. . Wages and salaries

53.220

 

57.191

. . Social security contributions

17.414

 

10.188

. . Employee termination indemnities

 

 

 

. . Pension and similar

 

 

 

. . Other costs

4.769

 

620

. Amortization and depreciation

19.670

116.255

5.884

. . Amortization of intangible fixed assets

3.516

2.589

2.393

. . Amortization of tangible fixed assets

16.154

9.092

924

. . Depreciation of tangible fixed assets

 

 

 

. . Writedown of current receiv.and of liquid

 

104.574

2.567

. Changes in raw materials

 

 

 

. Provisions to risk reserves

35.856

6.000

 

. Other provisions

 

 

 

. Other operating costs

17.305

25.092

48.072

Total production costs

3.264.318

2.737.575

1.869.646

Diff. between value and cost of product.

51.104

50.997

19.518

FINANCIAL INCOME AND EXPENSE

 

 

 

. Income from equity investments

 

 

 

. . In subsidiary companies

 

 

 

. . In associated companies

 

 

 

. . In other companies

 

 

 

. Other financial income

5.053

911

2

. . Financ.income from receivables

 

 

 

. . . Towards subsidiary companies

 

 

 

. . . Towards associated companies

 

 

 

. . . Towards holding companies

 

 

 

. . . Towards other companies

 

 

 

. . Financ.income from secur. t.f.assets

 

 

 

. . Financ.income from secur. cur.assets

 

 

 

. . Financ.income other than the above

5.053

911

2

. . . - Subsidiary companies

 

 

 

. . . - Associated companies

 

 

 

. . . - Holding companies

 

 

 

. . . - Other companies

5.053

911

2

. Interest and other financial expense

-28.080

-12.498

-4.618

. . Towards subsidiary companies

 

 

 

. . Towards associated companies

 

 

 

. . Towards holding companies

 

 

 

. . Towards other companies

28.080

12.498

4.618

Total financial income and expense

-23.027

-11.587

-4.616

ADJUSTMENTS TO FINANCIAL ASSETS

 

 

 

. Revaluations

 

 

 

. . Of equity investments

 

 

 

. . Of financ.fixed assets not repres.E.I.

 

 

 

. . Of securities incl.among current assets

 

 

 

. Devaluation

 

 

 

. . Of equity investments

 

 

 

. . Of financial fixed assets (no equity inv)

 

 

 

. . Of securities included among current ass

 

 

 

Total adjustments to financial assets

 

 

 

EXTRAORDINARY INCOME AND EXPENSE

 

 

 

. Extraordinary income

1.738

1.058

2

. . Gains on disposals

 

 

 

. . Other extraordinary income

1.738

1.058

2

. Extraordinary expense

-708

 

 

. . Losses on disposals

 

 

 

. . Taxes relating to prior years

 

 

 

. . Other extraordinary expense

-708

 

 

Total extraordinary income and expense

1.030

1.058

2

Results before income taxes

29.107

40.468

14.904

. Taxes on current income

20.636

25.774

6.681

. . current taxes

15.136

19.861

18.094

. . differed taxes(anticip.)

5.500

5.913

-11.413

. Net income for the period

8.471

14.694

8.223

. Adjustments in tax regulations pursuance

 

 

 

. Provisions in tax regulations pursuance

 

 

 

. Profit (loss) of the year

8.471

14.694

8.223

 

RATIOS

Value Type

as at 31/12/2012

as at 31/12/2011

as at 31/12/2010

Sector Average

COMPOSITION ON INVESTMENT

 

 

 

 

 

Rigidity Ratio

Units

0,07

0,09

0,04

0,13

Elasticity Ratio

Units

0,92

0,90

0,96

0,85

Availability of stock

Units

n.c.

n.c.

n.c.

0,16

Total Liquidity Ratio

Units

0,92

0,90

0,96

0,62

Quick Ratio

Units

0,04

0,01

0,09

0,03

COMPOSITION ON SOURCE

 

 

 

 

 

Net Short-term indebtedness

Units

4,97

6,03

10,04

5,02

Self Financing Ratio

Units

0,09

0,08

0,08

0,13

Capital protection Ratio

Units

0,22

0,02

-0,13

0,58

Liabilities consolidation quotient

Units

0,82

0,83

n.c.

0,10

Financing

Units

9,94

11,18

11,18

6,17

Permanent Indebtedness Ratio

Units

0,50

0,49

0,08

0,25

M/L term Debts Ratio

Units

0,41

0,41

n.c.

0,07

Net Financial Indebtedness Ratio

Units

n.c.

n.c.

n.c.

1,16

CORRELATION

 

 

 

 

 

Fixed assets ratio

Units

7,02

5,63

2,08

1,57

Current ratio

Units

1,87

1,81

1,05

1,09

Acid Test Ratio-Liquidity Ratio

Units

1,87

1,81

1,05

0,85

Structure's primary quotient

Units

1,28

0,93

2,08

0,96

Treasury's primary quotient

Units

0,09

0,01

0,10

0,05

Rate of indebtedness ( Leverage )

%

1102,50

1227,41

1218,04

743,68

Current Capital ( net )

Value

352.753

328.590

26.668

70.465

RETURN

 

 

 

 

 

Return on Sales

%

0,85

4,70

0,75

1,66

Return on Equity - Net- ( R.O.E. )

%

11,35

22,22

15,98

6,68

Return on Equity - Gross - ( R.O.E. )

%

39,01

61,19

28,97

19,39

Return on Investment ( R.O.I. )

%

6,21

6,28

3,11

3,84

Return/ Sales

%

1,54

1,83

1,03

2,16

Extra Management revenues/charges incid.

%

16,58

28,81

42,13

28,56

Cash Flow

Value

28.141

130.949

14.107

48.046

Operating Profit

Value

51.104

50.997

19.518

59.910

Gross Operating Margin

Value

106.630

173.252

25.402

99.701

MANAGEMENT

 

 

 

 

 

Credits to clients average term

Days

n.c.

n.c.

n.c.

86,56

Debts to suppliers average term

Days

n.c.

n.c.

n.c.

100,32

Average stock waiting period

Days

n.c.

n.c.

n.c.

31,97

Rate of capital employed return ( Turnover )

Units

4,03

3,43

3,01

1,82

Rate of stock return

Units

n.c.

n.c.

n.c.

11,18

Labour cost incidence

%

2,28

n.c.

3,60

5,95

Net financial revenues/ charges incidence

%

-0,69

-0,42

-0,24

-0,81

Labour cost on purchasing expenses

%

2,31

n.c.

3,64

5,95

Short-term financing charges

%

3,78

1,69

0,80

2,18

Capital on hand

%

24,83

29,15

33,20

54,67

Sales pro employee

Value

1.656.656

 

943.648

507.074

Labour cost pro employee

Value

37.701

 

33.999

32.650

 

 

Remarks

 

1) Protests checking (relative to the last five years) performed by crossing and matching the members names and the Firm's Style with the reported addresses, is supplied by the Informatic Registry managed by the Italian Chamber of Commerce. If the fiscal code is not indicated, the eventual homonymous cases are submitted to expert staff evaluation in order to limit wrong matching risks.

 

2) The Legal Data, supplied and retrived from the Firm's Registry of the Italian Chamber of Commerce, are in line with the last registered modifications.

 

3) Risk evaluation and Credit Opinion have been performed on the base of the actual data at the moment of their availability.

 

 

Market / Territory Data

 

Population living in the province

:

944.297

Population living in the region

:

4.151.369

Number of families in the region

:

1.748.359

 

Monthly family expences average in the region (in Eur..) :

 

- per food products

:

425

- per non food products

:

2.063

- per energy consume

:

143

 

 

Sector Data

 

The values are calculated on a base of 5.101 significant companies.

 

The companies cash their credits on an average of 87 dd.

The average duration of suppliers debts is about 100 dd.

The sector's profitability is on an average of 1,66%.

The labour cost affects the turnover in the measure of 5,95%.

Goods are held in stock in a range of 32 dd.

The difference between the sales volume and the resources used to realize it is about 1,82.

The employees costs represent the 5,95% of the production costs.

 

 

Statistical Detrimental Data

 

Statistically the trade activity passes through serious crises.

The area is statistically considered lowly risky.

In the region 18.860 protested subjects are found; in the province they count to 3.720.

The insolvency index for the region is 0,46, , while for the province it is 0,40.

Total Bankrupt companies in the province : 4.335.

Total Bankrupt companies in the region : 14.698.


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.79

UK Pound

1

Rs.102.66

Euro

1

Rs.81.32

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

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.