MIRA INFORM REPORT

 

 

Report Date :

29.07.2014

 

IDENTIFICATION DETAILS

 

Name :

K. LUDWIG GESELLSCHAFT M.B.H.

 

 

Registered Office :

Hermann Gebauerstraße  11, A-1220 Wien

 

 

Country :

Austria

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

11.08.1975

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Wholesale and retail trade; repair of motor vehicles

 

 

No. of Employees

323 (approx.)

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

No Complaints

 

 

Litigation :

Clear

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Austria

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

AUSTRIA - ECONOMIC OVERVIEW

 

Austria, with its well-developed market economy, skilled labor force, and high standard of living, is closely tied to other EU economies, especially Germany's. Its economy features a large service sector, a sound industrial sector, and a small, but highly developed agricultural sector. Following several years of solid foreign demand for Austrian exports and record employment growth, the international financial crisis of 2008 and subsequent global economic downturn led to a sharp but brief recession. Austrian GDP contracted 3.8% in 2009 but saw positive growth of about 2% in 2010 and 2.7% in 2011. Growth fell to 0.6% in 2012. Unemployment did not rise as steeply in Austria as elsewhere in Europe, partly because the government subsidized reduced working hour schemes to allow companies to retain employees. The 2012 unemployment rate of 4.3% was the lowest within the EU. Stabilization measures, stimulus spending, and an income tax reform pushed the budget deficit to 4.5% in 2010 and 2.6% in 2011, from only about 0.9% in 2008. The international financial crisis of 2008 caused difficulties for Austria's largest banks whose extensive operations in central, eastern, and southeastern Europe faced large losses. The government provided bank support - including in some instances, nationalization - to support aggregate demand and stabilize the banking system. Austria's fiscal position compares favorably with other euro-zone countries, but it faces external risks, such as Austrian banks' continued exposure to Central and Eastern Europe as well as political and economic uncertainties caused by the European sovereign debt crisis. In 2011 the government attempted to pass a constitutional amendment limiting public debt to 60% of GDP by 2020, but it was unable to obtain sufficient support in parliament and instead passed the measure as a simple law. In March 2012, the Austrian parliament approved an austerity package consisting of a mix of expenditure cuts and new revenues that will bring public finances into balance by 2016. In 2012, the budget deficit rose to 3.1% of GDP.

Source : CIA

 

 

 


Basic company information

 

Company name:

K. LUDWIG GESELLSCHAFT M.B.H.

Status:

active company

Locations:

Hermann Gebauerstraße  11, A-1220 Wien

Phone:

0043 (1) 73248

Fax:

0043 (1) 73248 - 214

E-mail:

info@ludwig.eu

Internet:

http://www.ludwig.eu

Activities:

Önace 47592 65% Retail sale of household furniture in specialised stores

 

Önace 47599 10% Retail sale of other household articles n.e.c. in specialised stores

 

Önace 47530 10% Retail sale of carpets, rugs, wall and floor coverings in specialised stores

 

Önace 56101 5% Restaurants

 

Önace 47789 5% Other retail sale of new goods n.e.c. in specialised stores

 

Önace 47710 5% Retail sale of clothing in specialised stores

 

General Assessment:

Model: CompanyScore

Probability of Default (Basel II):

0,07%

Very low risk

comparison:

The Rating of this company is better than industry average.

Recommendation:

In respect to solvency reasons, there is nothing to say against an establishment of a business relationship.

 

 

Additional company information

 

Year of incorporation:

1975

 

Activities:

 

 

Type of company:

Wholesale and retail trade; repair of motor vehicles

 

Legal form:

limited liability company since 1975-08-11

 

companies' house number:

FN 113378 h Wien 1975-08-26

 

Trade names:

MÖBEL LUDWIG

 

VAT number:

ATU 14619402

 

number - Austrian National Bank:

66460

 

 

Import 

Country 

 

 

 

Import

Germany

 

2014

 

 

 

Export 

Country 

 

 

 

Export

Bulgaria

 

2014

 

Financial data:

total turnover (total sales)

2013

EUR  50.000.000,00

(estimated)

total turnover (total sales)

2012

EUR  49.341.000,00

(approx.)

total turnover (total sales)

2011

EUR  49.589.000,00

(approx.)

total turnover (total sales)

2010

EUR  49.342.000,00

(approx.)

total turnover (total sales)

2009

EUR  48.820.152,37

(exact)

total employees

2014

323

(approx.)

total company vehicles

2014

50

(approx.)

cars

2014

18

(approx.)

lorries up to 3.5t

2014

32

(approx.)

Extraxt from the Companies' House:

firm (style):

    1      K. Ludwig Gesellschaft m.b.H.

legal form:

    1      Gesellschaft mit beschränkter Haftung

registered office:

    1      politischer Gemeinde Wien

business adress:

    7      Hermann-Gebauer-Straße 11
           1220 Wien

capital:

    1      ATS 3.000.000

reference date annual accounts:

    1      31. Dezember

annual accounts:

   22      zum 31.12.2012 eingereicht am 27.09.2013

power of representation:

    1      Die Gesellschaft wird, wenn mehrere Geschäftsführer
           bestellt sind, durch zwei Geschäftsführer gemeinsam oder
           durch einen von ihnen gemeinsam mit einem Gesamtprokuristen
           vertreten.
           Die Generalversammlung kann, auch wenn mehrere Geschäfts-
           führer bestellt sind, einzelnen von ihnen selbständige
           Vertretungsbefugnis erteilen.
    1   Gesellschaftsvertrag  vom 11.08.1975                                001
    1   Generalversammlungsbeschluss  vom 28.08.1978                        002
          Kapitalerhöhung um ATS 2.900.000,-.
          Änderung des Gesellschaftsvertrages im Punkt Viertens.
    1   Verschmelzungsvertrag  vom 29.06.1983                               003
    1   Generalversammlungsbeschluss  vom 29.06.1983                        004
          Diese Gesellschaft wurde als
          übernehmende Gesellschaft mit der
          Ekos Möbel, Hermine Koschik
          Gesellschaft m.b.H.
          als übertragender Gesellschaft verschmolzen.
          Sitz der übertragenden Gesellschaft in Wien.
    1   Generalversammlungsbeschluss  vom 30.10.1993                        005
          Änderung des Gesellschaftsvertrages in den Punkten
          8, 9 und 11.
    3   Verschmelzungsvertrag  vom 23.09.1996                               006
    3   Generalversammlungsbeschluss  vom 23.09.1996                        007
          Diese Gesellschaft wurde als
          übernehmende Gesellschaft mit der
          WOHNREGION Handelsgesellschaft m.b.H.
          (FN 111998 d)
          als übertragender Gesellschaft verschmolzen.
          Sitz der übertragenden Gesellschaft in Wiener Neustadt.

proxy:

         G   Johann Schaffer, geb. 03.07.1949
   15        vertritt seit 10.03.2008 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen

managing director:

         A   Josef Frischeis, geb. 19.08.1945
    1        vertritt seit 26.08.1975 selbständig
         B   Mag Josef Frischeis, geb. 29.12.1966
    1        vertritt seit 30.10.1993 selbständig
         F   Mag. Hubert Meindl, geb. 18.03.1969
   15        vertritt seit 10.03.2008 gemeinsam mit
             einem weiteren Geschäftsführer oder einem Prokuristen

shareholder:

         B   Mag Josef Frischeis, geb. 29.12.1966
    1        ..................    ATS 2.220.000
    1        .............................................    ATS 2.220.000
         C   Mag Susanne Persico, geb. 27.04.1969
    1        ....................    ATS 270.000
    1        ...............................................    ATS 270.000
         D   "Chic" Realitätenverwaltungs-
             gesellschaft m.b.H.
    1        ....................    ATS 240.000
    1        ...............................................    ATS 240.000
         E   Barbara Frischeis, geb. 09.06.1981
    8        ....................    ATS 270.000
    8        ...............................................    ATS 270.000
                          ------------------------------------------------------
                   Summen:         ATS 3.000.000              ATS 3.000.000

general table:

 Handelsgericht Wien
   1 Ersterfassung abgeschlossen am 18.08.1994  Geschäftsfall 909 Fr  2457/94 y
       Ersterfassung gem. Art. XXIII Abs. 4 FBG
   2 eingetragen am 12.10.1995                  Geschäftsfall 704 Fr  9391/95 x
       amtswegige Nachbearbeitung
   3 eingetragen am 05.12.1996                  Geschäftsfall  74 Fr  8120/96 d
       Antrag auf Änderung  eingelangt am 27.09.1996
   7 eingetragen am 01.03.2001                  Geschäftsfall  74 Fr  2816/01 s
       Antrag auf Änderung  eingelangt am 27.02.2001
   8 eingetragen am 27.05.2003                  Geschäftsfall  74 Fr  4114/03 t
       Antrag auf Änderung  eingelangt am 20.05.2003
  15 eingetragen am 14.03.2008                  Geschäftsfall  73 Fr  2727/08 p
       Antrag auf Änderung  eingelangt am 11.03.2008
  22 eingetragen am 02.10.2013                  Geschäftsfall  71 Fr 18907/13 m
       Elektronische Einreichung Jahresabschluss  eingelangt am 27.09.2013

Real estate:

Registration number of real estate  3938  Cadastral register  01660  Kagran W  Number and date of entry  4559/2013  Status of  2014-03-24 

Part A - type of real estate  :

    GST-NR  G BA (NUTZUNG)          FLÄCHE  GST-ADRESSE
    491/16  G Sonst(Betriebsf.) *     3800  Hermann-Gebauer-Straße 11
                                            Rautenweg 59
                                            Rautenweg 77A
                                            Hermann-Gebauer-Straße 5
    491/42  G GST-Fläche        *    75000
              Bauf.(Gebäude)         27222
              Sonst(Parkplätze)      22570
              Sonst(Betriebsf.)      25208
    491/54  G GST-Fläche        *     9057
              Bauf.(Gebäude)            21
              Sonst(Betriebsf.)       9036
    GESAMTFLAECHE                    87857
    2  a 7304/2000 Bauplatz (auf) Gst 491/42
       b 4884/2002 Übertragung der vorangehenden Eintragung(en) aus EZ 605
    3  a 5591/2011 Kaufvertrag 2008-04-01 Zuschreibung Gst 491/16 491/54
           aus EZ 605
    4  a 2900/2008 Bauplatz (auf) Gst 491/54
       b 5591/2011 Übertragung der vorangehenden Eintragung(en) aus EZ 605
    5  a 2900/2008 Bauplatz (auf) Gst 491/16
       b 5591/2011 Übertragung der vorangehenden Eintragung(en) aus EZ 605
 

Part B - ownership details  :

    1 ANTEIL: 67/100
      K. Ludwig Gesellschaft mbH
      ADR: Hermann-Gebauer-Str. 11   1220
       a 4884/2002 Kaufvertrag 1996-09-19, Urkunde 1997-04-24 Eigentumsrecht
       c 5591/2011 Vorkaufsrecht
    2 ANTEIL: 33/100
      K. Ludwig Gesellschaft mbH
      ADR: Hermann-Gebauer-Str. 11   1220
       c 3637/2006 Kaufvertrag 2006-07-03 Eigentumsrecht
       d 5591/2011 Vorkaufsrecht
 

Part C - registered charges  :

    4  a 2900/2008
           DIENSTBARKEIT der Duldung der Errichtung, des Bestandes und
           der Instandhaltung von Erdkabel-Leitungen jeglicher
           Stromart und Spannung auf Gst 491/16 491/54
           gem P II Servitutsvertrag 2008-03-19 für WIENSTROM GmbH
       b 5591/2011 Übertragung der vorangehenden Eintragung(en)
           aus EZ 605
    5  a 5591/2011
           VORKAUFSRECHT hins Gst 491/16 491/54
           gem P VIII Kauvertrag 2008-04-01
           für Wiener Wirtschaftsförderungsfonds
    6  a 5591/2011
           WIEDERKAUFSRECHT hins Gst 491/16 491/54
           gem P VIII Kauvertrag 2008-04-01
           für Wiener Wirtschaftsförderungsfonds
            Eintragungen ohne Währungsbezeichnung sind Beträge in ATS
 Grundbuch 24.03.2014 11:16:09
 

Private data:

 

Surname

 

 

Date of birth

 

 

Address

 

 

Executive positions

 

Further executive positions (as registered in the companies' house)

KR  Josef Frischeis

1945-08-19 

Stockerau Lenaustraße 22

manager

5

Mag.  Josef Frischeis

1966-12-29 

2000 Stockerau Am Neubau 63

manager,

partner,

head of sales,

head of marketing

2

Mag.  Hubert Meindl

1969-03-18 

1160 Wien Liebknechtgasse 2

manager,

head of purchasing

0

Barbara Frischeis

1981-06-09 

2000 Stockerau Lenaustraße 22

partner

2

Mag.  Susanne Persico

 

1969-04-27 

 

2000 Stockerau Hauptstraße 38-42

partner

 

5

 

Johann Schaffer

 

1949-07-03 

 

2100 Leobendorf Siedlerstraße 1

joint signing clerk,

head of accounting

 

0

 

 

 


Financials

 

Balance Sheet  (absolute) all amounts in EUR 

 

2012-12-31 

 

 

 

 

Franchises, patents, licences, trademarks and similar rights and advantages

30.531,40

 

 

 

 

Sum intangible assets

30.531,40

 

 

 

 

 

Land with buildings (building value)

31.980.816,65

 

 

 

 

Other operating and business equipment

1.167.010,08

 

 

 

 

Technical plants and machines

106.128,93

 

 

 

 

Advanced payments and constructions in progress

65.302,68

 

 

 

 

Sum tangible assets

33.319.258,34

 

 

 

 

 

Shares on related firms

2.997.556,13

 

 

 

 

Other financial assets, values and securities of fixed assets

329.845,09

 

 

 

 

Sum financial assets

3.327.401,22

 

 

 

 

 

Sum fixed assets

36.677.190,96

 

 

 

 

 

Finished products

5.805.501,63

 

 

 

 

Sum stock

5.805.501,63

 

 

 

 

 

Claims from delivered goods and performed services

403.401,55

 

 

 

 

Claims against related firmes Claims against companies with shareholding relationship

234.251,57

 

 

 

 

Special account claims

617.950,44

 

 

 

 

Sum claims

1.255.603,56

 

 

 

 

 

Cash on hand, cheques and bank deposits

571.342,48

 

 

 

 

Sum cash and bank

571.342,48

 

 

 

 

 

Sum current assets

7.632.447,67

 

 

 

 

 

Assets

44.309.638,63

 

 

 

 

 

Subscribed/declared capital

218.018,50

 

 

 

 

Legal reserves

21.801,85

 

 

 

 

Free reserves

2.907.007,54

 

 

 

 

Balance sheet profit/balance sheet loss

20.884.759,70

 

 

 

 

Thereof profit/loss carried forward

19.298.597,68

 

 

 

 

Sum equity capital

24.031.587,59

 

 

 

 

 

Valuation reserves and other reserves before taxes

2.299.843,29

 

 

 

 

Sum reserves before taxes

2.299.843,29

 

 

 

 

 

Reserves for severance pays

593.622,00

 

 

 

 

Reserves for pensions

544.601,00

 

 

 

 

Other reserves

1.382.970,74

 

 

 

 

Sum reserves

2.521.193,74

 

 

 

 

 

Liabilities against credit institutes

3.343.498,60

 

 

 

 

Received advanced payments for orders

2.993.265,70

 

 

 

 

Liabilities from delivered goods and performed services

2.511.336,16

 

 

 

 

Other liabilities

6.608.913,55

 

 

 

 

Sum liabilities

15.457.014,01

 

 

 

 

 

Liabilities

44.309.638,63

 

 

 

 

 

Balance sheet sum

44.309.638,63

 

 

 

 

 

P / L Account  (absolute) all amounts in EUR 

 

2012-12-31 

 

 

 

 

Gross profit 

23.172.698,12

 

 

 

 

Total turnover or gross profit 

23.172.698,12

 

 

 

 

 

Income from dissolution of reserves 

386.705,26

 

 

 

 

Other operating profits 

2.518.725,62

 

 

 

 

Other operating profits totally 

2.905.430,88

 

 

 

 

 

Wages 

-2.226.728,02

 

 

 

 

Salaries 

-5.540.566,54

 

 

 

 

Costs for severance pays 

-136.495,75

 

 

 

 

Costs for old age pension 

-81.265,00

 

 

 

 

Legal fringe benefits and other payments depending on salaries 

-2.206.896,39

 

 

 

 

Other social fringe benefits 

-18.268,13

 

 

 

 

Personnel expenses totally 

-10.210.219,83

 

 

 

 

 

Depreciation of intangible assets, tangible assets,activated expenses for the set up and expansion of business operation 

-1.472.579,02

 

 

 

 

Depreciation tangible assets / intangible assets totally 

-1.472.579,02

 

 

 

 

 

Other operating costs 

-11.949.751,07

 

 

 

 

Other taxes 

-103.285,07

 

 

 

 

Total costs 

-12.053.036,14

 

 

 

 

 

Operating result totally 

2.342.294,01

 

 

 

 

 

Income from other securities and loans of financial assets 

51.342,04

 

 

 

 

Interest income, securties income and similar income 

15.210,92

 

 

 

 

Profits from the retirement of and investment in financial assets 

298.392,81

 

 

 

 

Disbursements from other financial assets and from securities of current assets (e.g. depreciations) 

-394.228,15

 

 

 

 

Interest and similar disbursements 

-76.485,95

 

 

 

 

Financial profits totally 

-105.768,33

 

 

 

 

 

Results from usual business activity totally 

2.236.525,68

 

 

 

 

 

Taxes on income and profits 

-653.152,45

 

 

 

 

Taxes on income and profits totally 

-653.152,45

 

 

 

 

Annual surplus/annual deficit totally 

1.583.373,23

 

 

 

 

 

Dissolution reserves before taxes 

2.788,79

 

 

 

 

Reserves movements totally 

2.788,79

 

 

 

 

Annual profit/annual loss totally 

1.586.162,02

 

 

 

 

 

Profit and loss carried forward from previous year 

19.298.597,68

 

 

 

 

Transfer of profits totally 

19.298.597,68

 

 

 

 

B/S profit/ B/S loss from profit and loss account 

20.884.759,70

 

 

 

 

 

Key ratios

 

2012  

 

 

 

 

 

Cash flow II

  3.055.952,25

 

 

 

 

 

Debt amortisation period

  4,71

 

 

 

 

 

Bank indebtedness

  7,54

 

 

 

 

 

Equity capital share

  63,73

 

 

 

 

 

Social capital share

  2,56

 

 

 

 

 

Fixed assets coverage

  74,89

 

 

 

 

 

Net profit ratio

  0,00

 

 

 

 

 

Capital turnover

  0,00

 

 

 

 

 

Return on investment

  5,22

 

 

 

 

 

Cash flow in % of operating performance

  0,00

 

 

 

 

 

Cash flow I

  3.709.104,70

 

 

 

 

 

Gross productivity

  0,00

 

 

 

 

 

Net productivity

  0,00

 

 

 

 

 

Operating performance

  0,00

 

 

 

 

 

Inventories in % of operating performance

  0,00

 

 

 

 

 

Gross profit

  23.172.698,12

 

 

 

 

 

 

 

Locations

 

Type

Locations

Description

 

 

E-mail 

operational 

Hermann Gebauerstraße  11, A-1220 Wien

registered office 

 

 

 

operational 

Hermann Gebauerstraße  11, A-1220 Wien

registered headquarters, owned property 

 

 

info@ludwig.eu

operational 

Pragerstraße  101-105, A-1210 Wien

branch office, rented premises 

 

 

 

operational 

Altmannsdorferstraße  79-81, A-1120 Wien

branch office, owned property 

 

 

 

operational 

Katharinengasse  1, A-1100 Wien

branch office, rented premises 

 

 

 

former 

Pragerstraße  101-103, A-1210 Wien

registered office 

 

 

 

former 

Horner Bundesstraße  76-82, A-2000 Stockerau

registered headquarters 

 

 

 

former 

Horner Bundesstraße  76-82, A-2000 Stockerau

branch office 

 

 

 

former 

Linzerstraße  171, A-1140 Wien

registered headquarters 

 

 

 

related companies:

Company name

 

Postal code

 

Stake in %

 

Companies House

 

Shares in this company are held by:

 

Mag. Josef Frischeis

 

Am Neubau  63, A-2000 Stockerau

74 % 1994-08-18

 

 

Barbara Frischeis

 

Lenaustraße  22, A-2000 Stockerau

9 % 2003-05-27

 

 

Mag. Susanne Persico

 

Hauptstraße  38-42/23, A-2000 Stockerau

9 % 1994-08-18

 

 

Chic Realitätenverwaltungs- gesellschaft m.b.H.

Hermann-Gebauer-Straße  11, A-1220 Wien

8 % 1994-08-18

 

FN 114064 t

 

 

 

Affiliated companies and further participations:

 

Josef Frischeis Gesellschaft m.b.H.

Lenaustraße  22, A-2000 Stockerau

 

 

FN 61671 v

 

Holzhof Gutsbetriebs- gesellschaft m.b.H.

Gegend  32, A-2663 Rohr Gebirge

 

 

FN 111706 z

 

JOJO-WerbegesmbH

 

Hermann Gebauerstraße  11, A-1220 Wien

 

 

FN 219222 k

 

Bankers:

 

 

 

Banker

Bank sort code

Type of banking connection

UniCredit Bank Austria AG, 2000 Stockerau

 

12000

 

main bank connection

 

Erste Bank der oesterreichischen Sparkassen AG, 1011 Wien

 

20111

 

secondary banking connection

 

RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG, 1011 Wien

 

32000

 

secondary banking connection

 

 

 

Historical development:

Year of incorporation:

1975

Date of registration:

1975-08-26

 

Former shareholders:

From

To

Function

Name

  1994-08-18

  2003-05-27

partner 

Josef Frischeis 

 

Former shareholdings:

From

To

Name

   

 

WOHNREGION Handelsgesellschaft m.b.H. 

  1993-12-22

  1998-06-20

Concorde Austria Handels- GesmbH in Liqu. 

 

 


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.10

UK Pound

1

Rs.102.04

Euro

1

Rs.80.74

                

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%)

 

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.