MIRA
INFORM REPORT
|
Report Date : |
09.07.2014 |
IDENTIFICATION DETAILS
|
Name : |
FIORITAL S.R.L. |
|
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Registered Office : |
Marittima Fabbricato 114, 30125 – Venezia (VE) |
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Country : |
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|
Financials (as on) : |
31.12.2012 |
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Date of Incorporation : |
27.07.1989 |
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|
Legal Form : |
Limited liability company |
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|
Line of Business : |
·
Processing and preserving of fish, crustaceans
and molluscs ·
Wholesale of food, beverages and tobacco ·
Wholesale of freshly fished products |
|
|
|
|
No. of Employees |
from 131 to 150 |
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 |
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|
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Payment Behaviour : |
Slow but Correct |
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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 |
A2 |
|
Moderate |
B1 |
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High |
B2 |
|
Very High |
C1 |
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Restricted |
C2 |
|
Off-credit |
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
FIORITAL S.R.L.
Marittima Fabbricato 114,
30125 – Venezia
(VE) -IT-
Summary
|
Fiscal Code |
: |
00834250276 |
|
Legal Form |
: |
Limited liability company |
|
start of Activities |
: |
27/07/1989 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
over 129.114.224 |
|
Number of Employees |
: |
from 131 to 150 |
|
|
|
n.b.: The Creditworthness Rate shows, in
percentage, the ratio between the suggested credit opinion and the credit
amount that the firm could get if the financial situation would be completely
positive. |
Activity
Processing and preserving of fish,
crustaceans and molluscs
Wholesale of food, beverages and tobacco
Wholesale of freshly fished products
Legal Data
Legal Form : Limited liability company
|
Fiscal Code : 00834250276 |
|
Foreign Trade Reg. no. : VE000314 since
20/11/1991 |
|
Chamber of Commerce no. : 1619968 of
Milano |
|
Chamber of Commerce no. : 1104535 of Roma |
|
Chamber of Commerce no. : 289673 of Rimini |
|
Chamber of Commerce no. : 1073871 of
Torino |
|
Chamber of Commerce no. : 211401 of
Treviso |
|
Chamber of Commerce no. : 153688 of
Venezia since 26/07/1979 |
|
Firms' Register : VE042-14988 of Venezia
since 19/02/1996 |
|
V.A.T. Code : 00834250276 |
|
Foundation date |
: 30/03/1979 |
|
|
Establishment date |
: 30/03/1979 |
|
|
Start of Activities |
: 27/07/1989 |
|
|
Legal duration |
: 31/12/2050 |
|
|
Nominal Capital |
: 1.000.000 |
|
|
Subscribed Capital |
: 1.000.000 |
|
|
Paid up Capital |
: 1.000.000 |
|
Members
|
|
Buitendijk |
Maarten |
|
|
|
Born in Rotterdam |
( ) |
on 15/07/1962 |
- Fiscal Code : BTNMTN62L15Z126Z |
|
|
|
Residence: |
|
Xxiv Maggio |
, 13 |
- 31100 |
Treviso |
(TV) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
28/06/2013 |
|
|
|
Managing Director |
28/06/2013 |
|
|
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Fiorotto |
Emanuele |
|
|
|
Born in Treviso |
(TV) |
on 01/01/1961 |
- Fiscal Code : FRTMNL61A01L407L |
|
|
|
Residence: |
|
San Nicolo' |
, 28 |
- 31100 |
Treviso |
(TV) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Board Chairman |
28/06/2013 |
|
|
|
Director |
28/06/2013 |
|
|
|
Managing Director |
28/06/2013 |
|
|
|
|
No Protests registered |
|
|
Fiorotto |
Stefania |
|
|
|
Born in Treviso |
(TV) |
on 28/06/1965 |
- Fiscal Code : FRTSFN65H68L407F |
|
|
|
Residence: |
|
L. Perosi |
, 7 |
- 31100 |
Treviso |
(TV) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
28/06/2013 |
|
|
|
Managing Director |
28/06/2013 |
|
|
|
|
Prejudicial
Events found with cancellations* |
Legal Mortgage - 23/03/2006. -
4.521 Euro. Event writing-off
|
|
UNIRISCOSSIONI S. P. A. |
|
|
No Protests
registered |
|
|
Fiorotto |
Alessia |
|
|
|
Born in Treviso |
(TV) |
on 24/10/1988 |
- Fiscal Code : FRTLSS88R64L407Q |
|
|
|
Residence: |
|
San Nicolo' |
, 28 |
- 31100 |
Treviso |
(TV) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
05/06/2012 |
|
|
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
*Concerns also partially erased events.
Companies connected to members *
*checkings have been performed on a national
scale.
In this module are listed the companies in
which members hold or have holded positions.
|
|
Buitendijk |
Maarten |
|
Firm's
Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Eline Di Aleidia Hulselmans E C. S.a.s. |
Montieri (GR) - IT - |
01476190531 |
Limited Partner |
Active |
Registered |
|
|
Fiorotto |
Emanuele |
|
Firm's
Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
San Marco Progetti S.r.l. |
Venezia (VE) - IT - |
00921680294 |
Sole Director |
Active |
Registered |
|
San Marco Progetti S.r.l. |
Venezia (VE) - IT - |
00921680294 |
Sole partner |
Active |
Registered |
|
S.a.f.i. Frigoriferi Italiani S.r.l. |
Venezia (VE) - IT - |
00199580275 |
Sole Director |
Active |
Registered |
|
Trevisofior S.a.s. Di A. Fiorotto E C. In
Liquidazione |
Venezia (VE) - IT - |
02085180269 |
General Partner |
Withdrawn |
Ceased |
|
Trevisofior S.a.s. Di A. Fiorotto E C. In Liquidazione |
Venezia (VE) - IT - |
02085180269 |
Liquidator |
Withdrawn |
Ceased |
|
Mediterranea Trasporti S.r.l. |
Venezia (VE) - IT - |
02919170270 |
Director |
Withdrawn |
Registered |
|
Tema S.r.l. In Liquidazione |
Treviso (TV) - IT - |
04017610264 |
Sole Director |
Withdrawn |
Registered |
|
Tema S.r.l. In Liquidazione |
Treviso (TV) - IT - |
04017610264 |
Liquidator |
Withdrawn |
Registered |
|
Fioritalgelo S.r.l. |
Venezia (VE) - IT - |
03453930277 |
Director |
Active |
Registered |
|
Fioritalgelo S.r.l. |
Venezia (VE) - IT - |
03453930277 |
Sole Director |
Withdrawn |
Registered |
|
Fioritalgelo S.r.l. |
Venezia (VE) - IT - |
03453930277 |
Managing
Director |
Active |
Registered |
|
Fioritalgelo S.r.l. |
Venezia (VE) - IT - |
03453930277 |
Board Chairman |
Active |
Registered |
|
Santambrogio Immobiliare S.r.l. |
Treviso (TV) - IT - |
00503040263 |
Sole Director |
Active |
Registered |
|
Nodo S.r.l. |
Venezia (VE) - IT - |
04146350279 |
Sole Director |
Active |
Registered |
|
|
Fiorotto |
Stefania |
|
Firm's
Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Trevisofior S.a.s. Di A. Fiorotto E C. In
Liquidazione |
Venezia (VE) - IT - |
02085180269 |
Limited Partner |
Withdrawn |
Ceased |
|
San Marco Investimenti S.r.l. |
Venezia (VE) - IT - |
03453940276 |
Sole Director |
Active |
Registered |
|
Santambrogio Immobiliare S.r.l. |
Treviso (TV) - IT - |
00503040263 |
Sole Director |
Withdrawn |
Registered |
The indication "REGISTERED" as Firm
Status could refer to Firms in Liquidation, Active, Inactive, etc.
For more information, in this case, we
advise to request further investigations.
Capital Shareholders
Shareholders' list as at date of data
collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Fiorotto Aldo |
|
FRTLDA34R02H823R |
60.000 .Eur |
6,00 |
|
Buitendijk Maarten |
Treviso - IT - |
BTNMTN62L15Z126Z |
100.000 .Eur |
10,00 |
|
Fiorotto Massimo |
Treviso - IT - |
FRTMSM70E09L407I |
50.000 .Eur |
5,00 |
|
Fiorotto Emanuele |
Treviso - IT - |
FRTMNL61A01L407L |
650.000 .Eur |
65,00 |
|
Pecoraro Annamaria |
|
PCRNMR40B43Z315X |
40.000 .Eur |
4,00 |
|
Fiorotto Stefania |
Treviso - IT - |
FRTSFN65H68L407F |
100.000 .Eur |
10,00 |
Direct Participations
The Company under review has participations
in the following Companies:
|
Firm's
Style |
Seat |
Fiscal Code |
Owned Shares Amount |
% Ownership |
since |
until |
Share Status |
|
PROMOZIONE E SVILUPPO MERCATO ITTICO SRL
(IN SIGLA PROMOITTICO) |
|
12921520156 |
1.419 .Eur |
3,60 |
|
|
Active |
|
Otto S.r.l. |
Treviso - IT - |
04017180268 |
40.000 .Eur |
40,00 |
|
|
Active |
|
S.a.f.i. Frigoriferi Italiani S.r.l. |
Venezia - IT - |
00199580275 |
96.000 .Eur |
96,00 |
|
|
Active |
|
San Marco Investimenti S.r.l. |
Venezia - IT - |
03453940276 |
40.000 .Eur |
80,00 |
|
|
Active |
|
Fioritalgelo S.r.l. |
Venezia - IT - |
03453930277 |
100.000 .Eur |
100,00 |
|
|
Active |
|
Santambrogio Immobiliare S.r.l. |
Treviso - IT - |
00503040263 |
14.460 .Eur |
80,00 |
|
|
Active |
|
Nodo S.r.l. |
Venezia - IT - |
04146350279 |
50.000 .Eur |
100,00 |
|
|
Active |
|
Consorzio Mercato Ittico Torino |
|
10490740015 |
|
|
|
|
Active |
Firm's location and structure
In order to carry out its activities the
firm uses the following locations:
|
- |
Legal and
operative seat |
|
since 27/07/1989 |
|
|
|
|
|
Marittima Fabbricato 114 |
- 30100 |
- Venezia |
(VE) |
- IT - |
|
|
|
|
PHONE |
: 0412409200 |
|
- |
Branch |
(Factory) |
since 06/12/2001 |
|
|
|
|
|
S.croce |
, 491 |
- 30100 |
- Venezia |
(VE) |
- IT - |
|
- |
Branch |
(Warehouse) |
since 01/09/1999 |
|
|
|
|
|
|
Fabrizio De Andre' |
, 3 |
- 20060 |
- Colturano |
(MI) |
- IT - |
|
- |
Branch |
|
since 15/05/2001 |
|
|
|
|
|
|
Cesare Lombroso |
, 95 |
- 20100 |
- Milano |
(MI) |
- IT - |
|
- |
Branch |
(office) |
since 10/06/2003 |
|
|
|
|
|
|
Emilia Vecchia |
, 75 |
- 47037 |
- Rimini |
(RN) |
- IT - |
|
- |
Branch |
(Wholesale
store) |
since 02/10/2007 |
|
|
|
|
|
|
Ferrara - Posteggio N 13 |
, 46 |
- 10100 |
- Torino |
(TO) |
- IT - |
|
|
|
|
Employees |
: 150 |
|
Fittings and Equipment for a value of
1.970.000 |
Eur |
|
Stocks for a value of 630.000 |
Eur |
|
Furniture and fittings for a value of
41.000 |
Eur |
|
Vehicles for a value of 620.000 |
Eur |
The firm has a direct commercial
organization
Sales are mainly addressed to Northern Italy
|
|
The firm operates abroad as importer /
exporter..
Export represents up to 20% of the global
turnover.
Products abroad are placed by :
|
- direct orders from foreign companies |
Import comes generally from the following
nations:
|
- Great Britain |
|
- Belgium |
|
- Italy |
|
- France |
|
- Poland |
Historical Information and/or Firm's Status
EX-MEMBERS /
EX-POSITIONS:
|
|
Suppiej |
Carlo |
|
|
|
Born in Salgareda |
(TV) |
on 17/10/1936 |
- Fiscal Code : SPPCRL36R17H706Z |
|
|
|
Residence: |
|
Cannaregio |
, 6231 |
- 30100 |
Venezia |
(VE) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Barea |
Paolo |
|
|
|
Born in Venezia |
(VE) |
on 29/06/1958 |
- Fiscal Code : BRAPLA58H29L736O |
|
|
|
Residence: |
|
B. Grazioli (terraglio) |
, 21 |
- 30100 |
Venezia |
(VE) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Scarso |
Laura |
|
|
|
Born in Venezia |
(VE) |
on 27/04/1967 |
- Fiscal Code : SCRLRA67D67L736J |
|
|
|
Residence: |
|
Dorsoduro |
, 1520 |
- 30100 |
Venezia |
(VE) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Fiorotto |
Massimo |
|
|
|
Born in Treviso |
(TV) |
on 09/05/1970 |
- Fiscal Code : FRTMSM70E09L407I |
|
|
|
Residence: |
|
Perosi |
, 7 |
- 31100 |
Treviso |
(TV) |
- IT - |
|
Ex-Postions |
|
Director |
|
Managing Director |
|
|
Gasparini
Berlingeri |
Guido |
|
|
|
Born in Venezia |
(VE) |
on 19/01/1965 |
- Fiscal Code : GSPGDU65A19L736C |
|
|
|
Residence: |
|
Cannaregio |
, 1335 |
- 30100 |
Venezia |
(VE) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Calandri |
Cesare |
|
|
|
Born in Treviso |
(TV) |
on 17/06/1960 |
- Fiscal Code : CLNCSR60H17L407Y |
|
|
|
Residence: |
|
A. De Gasperi |
, 34 |
- 31100 |
Treviso |
(TV) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
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
The company is active since 1989
An eco-fin analysis has been made on the
base od the b/s fo the years 2010, 2011 and 2012.
During the last years, it achieved profits
(r.o.e. 6,09% on 2012)
The operating result was positive in the
last financial year (3,79%) and in line with the sector's average.
The operating result is positive and amounts
to Eur. 2.554.386 showing a downwards trend equal to -30,56% if compared to the
value of the financial year 2011.
The gross operating margin of the latest financial
year is of Eur. 3.700.128 with a -25,42% fall.
Company's financial status is balanced since
indebtedness is not high (1,96) and decreasing as against 2011.
The management generated equity capital for
an amount of Eur. 21.202.906 , unchanged as opposed to the preceding year.
In the year 2012 total debts amounted to
Eur. 43.164.463 , a more or less stable value.
Bank borrowings' volume is slightly high but
the recourse to suppliers' credit is modest below the sector's average.
The management determines a good range of
liquidity.
Trade credits average terms are 59,83 days.
, a value lower than the sector's average.
2012 financial year closed with a cash flow
of Eur. 2.434.410
Labour cost expenses amount to Eur.
6.768.396 , representing 3,41% on the total of production costs. , whereas the
incidence on sales revenues is of 3,37%.
Limited financial charges in relation to
sales volume.
Financial Data
|
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
200.682.531 |
|
Profit (Loss) for the period |
1.290.333 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
222.031.877 |
|
Profit (Loss) for the period |
1.863.835 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
221.506.038 |
|
Profit (Loss) for the period |
1.626.283 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2009 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
209.238.893 |
|
Profit (Loss) for the period |
1.989.790 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2008 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
214.925.379 |
|
Profit (Loss) for the period |
813.621 |
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 |
|
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|
|
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 |
0,30 |
0,26 |
0,27 |
0,13 |
|
Elasticity Ratio |
Units |
0,70 |
0,74 |
0,73 |
0,85 |
|
Availability of stock |
Units |
0,01 |
0,01 |
0,07 |
0,16 |
|
Total Liquidity Ratio |
Units |
0,69 |
0,73 |
0,66 |
0,62 |
|
Quick Ratio |
Units |
0,02 |
0,02 |
0,04 |
0,03 |
|
COMPOSITION ON
SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
1,96 |
2,46 |
2,66 |
5,02 |
|
Self Financing Ratio |
Units |
0,31 |
0,27 |
0,25 |
0,13 |
|
Capital protection Ratio |
Units |
0,89 |
0,86 |
0,85 |
0,58 |
|
Liabilities consolidation quotient |
Units |
0,01 |
0,01 |
0,02 |
0,10 |
|
Financing |
Units |
2,04 |
2,55 |
2,82 |
6,17 |
|
Permanent Indebtedness Ratio |
Units |
0,32 |
0,28 |
0,26 |
0,25 |
|
M/L term Debts Ratio |
Units |
0,01 |
0,01 |
0,01 |
0,07 |
|
Net Financial Indebtedness Ratio |
Units |
1,02 |
1,22 |
1,38 |
1,16 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
1,08 |
1,06 |
0,97 |
1,57 |
|
Current ratio |
Units |
1,09 |
1,07 |
1,04 |
1,09 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
1,07 |
1,06 |
0,94 |
0,85 |
|
Structure's primary quotient |
Units |
1,05 |
1,03 |
0,93 |
0,96 |
|
Treasury's primary quotient |
Units |
0,04 |
0,03 |
0,05 |
0,05 |
|
Rate of indebtedness ( Leverage ) |
% |
318,05 |
371,42 |
400,05 |
743,68 |
|
Current Capital ( net ) |
Value |
3.737.982 |
3.635.728 |
2.040.480 |
70.465 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
1,21 |
1,42 |
1,31 |
1,66 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
6,09 |
9,36 |
9,01 |
6,68 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
10,30 |
15,91 |
15,03 |
19,39 |
|
Return on Investment ( R.O.I. ) |
% |
3,79 |
4,97 |
4,14 |
3,84 |
|
Return/ Sales |
% |
1,27 |
1,66 |
1,35 |
2,16 |
|
Extra Management revenues/charges incid. |
% |
50,51 |
50,66 |
54,46 |
28,56 |
|
Cash Flow |
Value |
2.434.410 |
3.144.413 |
2.908.048 |
48.046 |
|
Operating Profit |
Value |
2.554.386 |
3.678.940 |
2.986.453 |
59.910 |
|
Gross Operating Margin |
Value |
3.700.128 |
4.961.483 |
4.269.562 |
99.701 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
59,83 |
69,57 |
70,48 |
86,56 |
|
Debts to suppliers average term |
Days |
34,05 |
38,93 |
35,81 |
100,32 |
|
Average stock waiting period |
Days |
1,13 |
0,93 |
7,99 |
31,97 |
|
Rate of capital employed return ( Turnover
) |
Units |
2,98 |
3,00 |
3,07 |
1,82 |
|
Rate of stock return |
Units |
318,56 |
387,68 |
45,06 |
11,18 |
|
Labour cost incidence |
% |
3,37 |
2,94 |
2,90 |
5,95 |
|
Net financial revenues/ charges incidence |
% |
-0,21 |
-0,22 |
-0,15 |
-0,81 |
|
Labour cost on purchasing expenses |
% |
3,41 |
2,98 |
2,92 |
5,95 |
|
Short-term financing charges |
% |
1,58 |
1,07 |
0,75 |
2,18 |
|
Capital on hand |
% |
33,60 |
33,31 |
32,60 |
54,67 |
|
Sales pro employee |
Value |
1.486.537 |
1.707.937 |
1.653.030 |
507.074 |
|
Labour cost pro employee |
Value |
50.136 |
50.284 |
47.856 |
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 |
: |
|
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
Monthly family expences average in the
region (in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
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 13.782 protested subjects are
found; in the province they count to 2.633.
The insolvency index for the region is 0,30,
, while for the province it is 0,32.
Total Bankrupt companies in the province :
2.924.
Total Bankrupt companies in the region :
16.714.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.59.80 |
|
UK Pound |
1 |
Rs.102.42 |
|
Euro |
1 |
Rs.81.32 |
INFORMATION DETAILS
|
Analysis Done by
: |
RAS |
|
|
|
|
Report Prepared
by : |
SDA |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.