MIRA
INFORM REPORT
|
Report Date : |
14.07.2014 |
IDENTIFICATION DETAILS
|
Name : |
INTERNATIONAL
COLOR S.P.A. |
|
|
|
|
Registered Office : |
Via Roma, 133, 21017 – Samarate
(VA) |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as on) : |
31.12.2012 |
|
|
|
|
Date of Incorporation : |
05.03.1981 |
|
|
|
|
Legal Form : |
Joint Stock Company |
|
|
|
|
Line of Business : |
· Manufacturer of dyes and pigments Manufacturer
of Paints, Varnishes and similar
Coatings, Printing Ink and Synthetic Adhesives Wholesaler
of Wallpaper, Colours and paints Wholesaler
of Industrial Chemical Products |
|
|
|
|
No of Employees : |
32 |
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 : |
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 – 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 & address
International Color S.p.a.
Via Roma, 133
21017 - Samarate (VA) -IT-
Summary
|
Fiscal Code |
: |
01243130125 |
|
Legal Form |
: |
Joint stock company |
|
start of Activities |
: |
05/03/1981 |
|
Equity |
: |
2.500.000 |
|
Turnover Range |
: |
9.000.000/10.000.000 |
|
Number of Employees |
: |
32 |
Activity
· Manufacturer of dyes and pigments
Manufacturer
of Paints, Varnishes and similar
Coatings, Printing Ink and Synthetic Adhesives
Wholesaler
of Wallpaper, Colours and paints
Wholesaler
of Industrial Chemical Products
Legal Data
Legal Form : Joint stock company
|
Fiscal Code : 01243130125 |
|
Foreign Trade Reg. no. : VA003247 since
03/12/1991 |
|
Foreign Trade Reg. no. : 3247 of Varese
since 03/12/1991 |
|
Chamber of Commerce no. : 1546484 of
Milano since 16/01/1998 |
|
Chamber of Commerce no. : 517325 of Prato |
|
Chamber of Commerce no. : 165605 of Varese
since 19/03/1981 |
|
Firms' Register : MI-1998-57877 of Milano
since 05/03/1998 |
|
Firms' Register : VA-2005-31986 of Varese |
|
V.A.T. Code : 12310770156 |
|
Tribunal Co. Register : 13297 of |
|
Foundation date |
: 05/03/1981 |
|
|
Establishment date |
: 05/03/1981 |
|
|
Start of Activities |
: 05/03/1981 |
|
|
Legal duration |
: 31/12/2035 |
|
|
Nominal Capital |
: 2.582.500 |
|
|
Subscribed Capital |
: 2.582.500 |
|
|
Paid up Capital |
: 2.582.500 |
|
Members
|
|
Rossini |
Giuseppe |
|
|
|
Born in Busto Arsizio |
(VA) |
on 21/02/1947 |
- Fiscal Code : RSSGPP47B21B300L |
|
|
|
Residence: |
|
Maino |
, 12 |
- 21052 |
Busto Arsizio |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
27/06/2013 |
|
|
|
|
Sommaruga |
Adalberto |
|
|
|
Born in Iran |
( ) |
on 05/04/1937 |
- Fiscal Code : SMMDBR37D05Z224H |
|
|
|
Residence: |
|
Trento E Trieste |
, 4 |
- 21052 |
Busto Arsizio |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Board Chairman |
27/06/2013 |
|
|
|
Director |
27/06/2013 |
|
|
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Giorgi |
Ettore |
|
|
|
Born in Piacenza |
(PC) |
on 24/02/1932 |
- Fiscal Code : GRGTTR32B24G535W |
|
|
|
Residence: |
|
Riglio |
, 19 |
- 29122 |
Piacenza |
(PC) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
27/06/2013 |
|
|
|
Assistant board Chairman |
27/06/2013 |
|
|
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Fugazza |
Gianluigi |
|
|
|
Born in Legnano |
(MI) |
on 04/10/1958 |
- Fiscal Code : FGZGLG58R04E514T |
|
|
|
Residence: |
|
Cavallotti Felice |
, 6 |
- 21016 |
Luino |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
17/04/1997 |
|
|
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
De Francesco
Daniela |
|
|
|
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
|
|
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
|
|
Carullo |
Alberto |
|
|
|
Born in Somma Lombardo |
(VA) |
on 16/01/1955 |
- Fiscal Code : CRLLRT55A16I819S |
|
|
|
Residence: |
|
Mazzini |
, 6 |
- 21010 |
Arsago Seprio |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Auditor |
27/06/2013 |
|
|
|
|
Conaco S.r.l. |
|
|
|
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
|
|
|
|
No Prejudicial
events are reported |
|
|
No Protests
registered |
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.
|
|
Sommaruga |
Adalberto |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
"SOMMARUGA ADALBERTO" -0175964 |
Busto Arsizio (VA) - IT - |
SMMDBR37D05Z224H |
Proprietor |
Withdrawn |
Registered |
|
|
Giorgi |
Ettore |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Conaco S.r.l. |
Milano (MI) - IT - |
04158680159 |
Director |
Withdrawn |
Registered |
|
Conaco S.r.l. |
Milano (MI) - IT - |
04158680159 |
Sole Director |
Active |
Registered |
|
Conaco S.r.l. |
Milano (MI) - IT - |
04158680159 |
Board Chairman |
Withdrawn |
Registered |
|
Galbusera S.p.a. |
Lesmo (MB) - IT - |
12199330155 |
Director |
Active |
Registered |
|
Galbusera S.p.a. |
Lesmo (MB) - IT - |
12199330155 |
Managing
Director |
Withdrawn |
Registered |
|
Galbusera S.p.a. |
Lesmo (MB) - IT - |
12199330155 |
Board Chairman |
Active |
Registered |
|
Achitex Minerva S.p.a. |
Vaiano Cremasco (CR) - IT - |
05213680969 |
Managing
Director |
Active |
Registered |
|
Achitex Minerva S.p.a. |
Vaiano Cremasco (CR) - IT - |
05213680969 |
Director |
Active |
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 |
|
Sommaruga Adalberto |
Busto Arsizio - IT - |
SMMDBR37D05Z224H |
258.250 .Eur |
10,00 |
|
De Francesco Daniela |
|
DFRDNL49A64B300T |
774.750 .Eur |
30,00 |
|
Sommaruga Matteo |
|
SMMMTT88E01L682G |
516.500 .Eur |
20,00 |
|
Conaco S.r.l. |
|
04158680159 |
1.033.000 .Eur |
40,00 |
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 |
|
since 03/10/1991 |
|
|
|
|
|
|
Roma |
, 133 |
- 21017 |
- Samarate |
(VA) |
- IT - |
|
|
|
|
PHONE |
: 0331235253 |
|
|
|
|
PHONE |
: 0331236029 |
|
|
|
|
FAX |
: 0331235253 |
|
- |
Branch |
(Administrative
office) |
since 02/01/2013 |
|
|
|
|
|
|
Toscana |
, 6/B |
- 50047 |
- Prato |
(PO) |
- IT - |
|
|
|
|
Employees |
: 32 |
|
Fittings and Equipment for a value of
780.000 |
Eur |
|
Stocks for a value of 2.200.000 |
Eur |
|
Furniture and fittings for a value of
130.000 |
Eur |
|
Vehicles for a value of 77.000 |
Eur |
|
|
Historical Information and/or Firm's Status
CHANGES TO THE
LEGAL FORM:
|
Former legal form |
New legal form |
Changement Date |
|
Limited liability company |
Joint stock company |
17/10/1983 |
EX-MEMBERS /
EX-POSITIONS:
|
|
Marcianesi |
Roberto |
|
|
|
Born in Sirolo |
(AN) |
on 09/11/1958 |
- Fiscal Code : MRCRRT58S09I758F |
|
|
|
Residence: |
|
Annoni |
, 61/A-B |
- 20012 |
Cuggiono |
(MI) |
- IT - |
|
Ex-Postions |
|
Director |
|
Chairman of the Board of Aud. |
|
|
Rossini |
Giuseppe |
|
|
|
Born in Busto Arsizio |
(VA) |
on 21/02/1947 |
- Fiscal Code : RSSGPP47B21B300L |
|
|
|
Residence: |
|
Maino |
, 12 |
- 21052 |
Busto Arsizio |
(VA) |
- IT - |
|
Ex-Postions |
|
Director |
|
Director |
|
|
Castiglioni |
Paola Emilia |
|
|
|
Born in Busto Arsizio |
(VA) |
on 18/06/1957 |
- Fiscal Code : CSTPML57H58B300V |
|
|
|
Residence: |
|
Q. Sella |
, 146 |
- 21052 |
Busto Arsizio |
(VA) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
Permanent Auditor |
|
|
Sommaruga |
Adalberto |
|
|
|
Born in Iran |
( ) |
on 05/04/1937 |
- Fiscal Code : SMMDBR37D05Z224H |
|
|
|
Residence: |
|
Trento E Trieste |
, 4 |
- 21052 |
Busto Arsizio |
(VA) |
- IT - |
|
Ex-Postions |
|
Chairman |
|
Managing Director |
|
Director |
|
Board Chairman |
|
Sole Director |
|
|
Morsiani |
Pietro |
|
|
|
Born in Milano |
(MI) |
on 03/10/1941 |
- Fiscal Code : MRSPTR41R03F205L |
|
|
|
Residence: |
|
Certosa |
, 115 |
- 20100 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Assistant board Chairman |
|
Managing Director |
|
Director |
|
|
Giorgi |
Ettore |
|
|
|
Born in Piacenza |
(PC) |
on 24/02/1932 |
- Fiscal Code : GRGTTR32B24G535W |
|
|
|
Residence: |
|
Riglio |
, 19 |
- 29122 |
Piacenza |
(PC) |
- IT - |
|
Ex-Postions |
|
Director |
|
|
Mantello |
Adriano |
|
|
|
Born in Trivigliano |
(FR) |
on 27/09/1946 |
- Fiscal Code : MNTDRN46P27L437Q |
|
|
|
Residence: |
|
Petrella |
, 6 |
- 21052 |
Busto Arsizio |
(VA) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Milani |
Giuseppe |
|
|
|
Born in MIRADOLO TERME |
(PV) |
on 29/08/1953 |
- Fiscal Code : MLNGPP53M29F238G |
|
|
|
Residence: |
|
GRAN SASSO |
, 31 |
- 20100 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Losapio |
Carlo |
|
|
|
Born in Varese |
(VA) |
on 22/06/1960 |
- Fiscal Code : LSPCRL60H22L682U |
|
|
|
Residence: |
|
Bagaini |
, 19 |
- 21100 |
Varese |
(VA) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Nannini |
Ettore |
|
|
|
Born in Venezuela |
( ) |
on 14/03/1950 |
- Fiscal Code : NNNTTR50C14Z614Z |
|
|
|
Residence: |
|
Gran Paradiso |
, 12 |
- 21010 |
Cardano Al Campo |
(VA) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Benedetti |
Ernesto |
|
|
|
Born in Sesto San Giovanni |
(MI) |
on 04/03/1945 |
- Fiscal Code : BNDRST45C04I690Z |
|
|
|
Residence: |
|
Nirone |
, 2 |
- 20123 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Lualdi |
Alberto |
|
|
|
Born in Busto Arsizio |
(VA) |
on 11/07/1966 |
- Fiscal Code : LLDLRT66L11B300R |
|
|
|
Residence: |
|
Diaz |
, 8/A |
- 21017 |
Samarate |
(VA) |
- IT - |
|
Ex-Postions |
|
Director |
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 1981.
The economic-financial analysis is based on
the latest 3 b/s.
Under the financial profile unstable results
are noted. with a negative economic result in the last financial year. The
turnover is falling if compared with the previous financial year
(eamp;FAT1eamp;%).
The operating result in 2012 was positive
(2,87%) falling within the field's average.
The amount of the operating result for the
year 2012 is of Eur. 303.385 with a -22,86% drop.
The G.O.M. amounted to Eur. 530.348 stable
if compared to the financial year 2011.
The financial status of the company is
fairly balanced with an indebtedness level of 3,34 but with an increase as
against the previous accounting period.
The equity capital is equal to Eur.
2.333.676 , unchanged if compared to 2011.
Total debts (both short and M/L term) equals
Eur. 7.800.994, on the same levels as the year before.
Financial debts as well as debts to suppliers
are rather high even if it still falls within the sector's average.
Liquidity is not excellent.
Trade credits average terms are slow, on
average 158,58 days. and higher than the average of the sector.
The financial management generated a cash
flow of Eur. 138.126.
Labour cost expenses amount to Eur.
1.580.607 , representing 16,62% on the total of production costs. , with a
16,18% incidence on turnover.
Financial charges have a high incidence
(-3,38%) on turnover figures.
Financial Data
|
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
9.766.387 |
|
Profit (Loss) for the period |
-88.837 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
10.613.447 |
|
Profit (Loss) for the period |
23.771 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
11.938.049 |
|
Profit (Loss) for the period |
135.140 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2009 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
10.161.687 |
|
Profit (Loss) for the period |
-910.032 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2008 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
10.782.860 |
|
Profit (Loss) for the period |
-1.616.755 |
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 |
0,37 |
0,34 |
0,27 |
0,11 |
|
Elasticity Ratio |
Units |
0,63 |
0,66 |
0,73 |
0,87 |
|
Availability of stock |
Units |
0,21 |
0,22 |
0,24 |
0,22 |
|
Total Liquidity Ratio |
Units |
0,42 |
0,44 |
0,49 |
0,56 |
|
Quick Ratio |
Units |
0,00 |
0,00 |
0,01 |
0,02 |
|
COMPOSITION ON
SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
3,34 |
3,29 |
3,33 |
3,81 |
|
Self Financing Ratio |
Units |
0,22 |
0,22 |
0,22 |
0,17 |
|
Capital protection Ratio |
Units |
-0,07 |
-0,08 |
-0,13 |
0,65 |
|
Liabilities consolidation quotient |
Units |
0,06 |
0,05 |
0,05 |
0,12 |
|
Financing |
Units |
3,34 |
3,30 |
3,35 |
4,72 |
|
Permanent Indebtedness Ratio |
Units |
0,26 |
0,26 |
0,26 |
0,30 |
|
M/L term Debts Ratio |
Units |
0,04 |
0,04 |
0,04 |
0,07 |
|
Net Financial Indebtedness Ratio |
Units |
2,18 |
2,27 |
1,93 |
1,28 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
0,71 |
0,76 |
0,97 |
2,06 |
|
Current ratio |
Units |
0,85 |
0,89 |
0,99 |
1,16 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,57 |
0,60 |
0,67 |
0,84 |
|
Structure's primary quotient |
Units |
0,59 |
0,65 |
0,83 |
1,28 |
|
Treasury's primary quotient |
Units |
0,00 |
0,00 |
0,01 |
0,03 |
|
Rate of indebtedness ( Leverage ) |
% |
453,33 |
448,40 |
454,53 |
591,61 |
|
Current Capital ( net ) |
Value |
-1.180.535 |
-853.309 |
-92.430 |
219.071 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
1,41 |
1,73 |
5,31 |
2,22 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
-3,81 |
0,98 |
5,63 |
6,27 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
-1,77 |
3,25 |
8,92 |
15,95 |
|
Return on Investment ( R.O.I. ) |
% |
2,87 |
3,62 |
4,78 |
4,19 |
|
Return/ Sales |
% |
3,11 |
3,71 |
4,36 |
3,42 |
|
Extra Management revenues/charges incid. |
% |
-29,28 |
6,04 |
25,94 |
29,26 |
|
Cash Flow |
Value |
138.126 |
183.918 |
633.775 |
61.669 |
|
Operating Profit |
Value |
303.385 |
393.335 |
521.037 |
95.558 |
|
Gross Operating Margin |
Value |
530.348 |
553.482 |
1.020.172 |
144.934 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
158,58 |
154,81 |
155,79 |
120,94 |
|
Debts to suppliers average term |
Days |
109,84 |
82,32 |
96,91 |
120,04 |
|
Average stock waiting period |
Days |
81,24 |
80,22 |
77,60 |
61,92 |
|
Rate of capital employed return ( Turnover
) |
Units |
0,92 |
0,98 |
1,09 |
1,27 |
|
Rate of stock return |
Units |
4,43 |
4,49 |
4,64 |
5,74 |
|
Labour cost incidence |
% |
16,18 |
14,93 |
14,64 |
7,77 |
|
Net financial revenues/ charges incidence |
% |
-3,38 |
-2,37 |
-1,86 |
-1,26 |
|
Labour cost on purchasing expenses |
% |
16,62 |
15,53 |
15,17 |
7,90 |
|
Short-term financing charges |
% |
4,25 |
3,16 |
2,80 |
2,67 |
|
Capital on hand |
% |
108,32 |
102,35 |
91,33 |
78,39 |
|
Sales pro employee |
Value |
287.246 |
321.619 |
221.074 |
437.713 |
|
Labour cost pro employee |
Value |
46.488 |
48.003 |
32.362 |
33.928 |
Market / Territory Data
|
Population living in the province |
: |
843.250 |
|
Population living in the region |
: |
9.393.092 |
|
Number of families in the region |
: |
3.858.736 |
Monthly family expenses average in the
region (in Eur..) :
|
- per food products |
: |
460 |
|
- per non food products |
: |
2.090 |
|
- per energy consume |
: |
114 |
Sector Data
The values are calculated on a base of 6.137
significant companies.
The companies cash their credits on an
average of 121 dd.
The average duration of suppliers debts is about
120 dd.
The sector's profitability is on an average
of 2,22%.
The labour cost affects the turnover in the
measure of 7,77%.
Goods are held in stock in a range of 62 dd.
The difference between the sales volume and
the resources used to realize it is about 1,27.
The employees costs represent the 7,90% of
the production costs.
Statistical Detrimental Data
Statistically the trade activity shows
periods of crisis.
The area is statistically considered
moderately risky.
In the region 50.886 protested subjects are
found; in the province they count to 4.597.
The insolvency index for the region is 0,55,
, while for the province it is 0,55.
Total Bankrupt companies in the province :
3.052.
Total Bankrupt companies in the region :
39.612.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.60.19 |
|
UK Pound |
1 |
Rs.103.15 |
|
Euro |
1 |
Rs.81.87 |
INFORMATION DETAILS
|
Analysis Done by
: |
SUB |
|
|
|
|
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.