MIRA INFORM REPORT

 

 

Report Date :

11.06.2014

 

IDENTIFICATION DETAILS

 

Name :

DELIUS GMBH

 

 

Registered Office :

Goldstr. 16-18, D 33602 Bielefeld

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

1722

 

 

Com. Reg. No.:

HRB 30019

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Manufacture of other textiles

[We tried to confirm / obtain the detailed activity but the same is not available from any sources]

 

 

No. of Employees :

76

 

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 – March 31, 2014

 

Country Name

Previous Rating

(31.12.2013)

Current Rating

(31.03.2014)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderately Low Risk

 

B1

Moderate Risk

 

B2

Moderately High Risk

 

C1

High Risk

 

C2

Very High Risk

 

D

 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, has contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

Source : CIA

Company name and address

 

DELIUS GMBH

 

 Company Status:         active

                                    Goldstr. 16-18

                                    D 33602 Bielefeld

                                    Telephone:0521/543-0

                                    Telefax:  0521/543-341

                                    Homepage: www.deliustextiles.de

                                     E-mail:   contract@deliustextiles.de

 

 VAT no.:                      DE184093573

 

 

 CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM              Private limited company

 Date of foundation:      1722

 Shareholders'

 agreement:                    15.11.1972

 Registered on:             06.12.1972

 Commercial Register:   Local court 33602 Bielefeld

 under:                                       HRB 30019

 

 Share capital:                          EUR          5,112,918.81

 

 Shareholder:

                      C. A. Delius & Söhne GmbH & Co KG

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Ltd partnership with priv. ltd.

                      company as general partner

                      Total cap.         EUR          3,149,557.99

                      contribution:

                      Share:             EUR          5,112,918.81

                      Registered on: 10.04.1997

                      Reg. data: 33602 Bielefeld, HRA 8204

 Manager:

                      Rudolf Delius

                      D 33615 Bielefeld

                      born: 24.02.1953

                      Profession: Businessman

                      Property regime: Separation of property

                      Marital status: married

 Manager:

                      Friedrich-Wilhelm Delius

                      D 33615 Bielefeld

                      born: 19.03.1953

                      Profession: Fully qualified merchant

                      Marital status: married

 

 Further functions/participations of Rudolf Delius (Manager)

 Limited partner:

                      C. A. Delius & Söhne GmbH & Co KG

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Total cap.         EUR          3,149,557.99

                      contribution:

                      Share:             EUR            286,323.45

                      Registered

                      on:         10.04.1997

                      Reg. data:  33602 Bielefeld, HRA 8204

 Limited partner:

                      Eduard und Christa GmbH & Co. KG

                      Albrecht-Delius-Weg 3

                      D 33615 Bielefeld

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Total cap.         EUR                100.00

                      contribution:

                      Share:             EUR                 20.00

                      Registered

                      on:         02.11.2012

                      Reg. data:  33602 Bielefeld, HRA 15886

 Shareholder:

                      Rudolf Delius GmbH

                      Albrecht-Delius-Weg 3

                      D 33615 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Registered

                      on:         02.11.2012

                      Reg. data:  33602 Bielefeld, HRB 40865

 Shareholder:

                      Delius Verwaltungs GmbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,615.72

                      Share:             EUR              2,351.94

                      Registered

                      on:         10.01.1997

                      Reg. data:  33602 Bielefeld, HRB 35654

 Manager:

                      Rudolf Delius GmbH

                      Albrecht-Delius-Weg 3

                      D 33615 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         02.11.2012

                      Reg. data:  33602 Bielefeld, HRB 40865

 Manager:

                      Delius Verwaltungs GmbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,615.72

                      Registered

                      on:         10.01.1997

                      Reg. data:  33602 Bielefeld, HRB 35654

 Manager:

                      Delival GmbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR            383,468.91

                      Registered

                      on:         20.07.2011

                      Reg. data:  33602 Bielefeld, HRB 40396

 Manager:

                      DPV GmbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR             50,000.00

                      Registered

                      on:         03.12.2007

                      Reg. data:  33602 Bielefeld, HRB 39124

 

 Further functions/participations of Friedrich-Wilhelm Delius

 (Manager)

 Limited partner:

                      C. A. Delius & Söhne GmbH & Co KG

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Total cap.         EUR          3,149,557.99

                      contribution:

                      Share:             EUR          1,431,617.27

                      Registered

                      on:         10.04.1997

                      Reg. data:  33602 Bielefeld, HRA 8204

 Shareholder:

                      Delius Verwaltungs GmbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,615.72

                      Share:             EUR             11,657.45

                      Registered

                      on:         10.01.1997

                      Reg. data:  33602 Bielefeld, HRB 35654

 Manager:

                      DELITEX Handelsgesellschaft mbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR          1,845,000.00

                      Registered

                      on:         08.04.1994

                      Reg. data:  33602 Bielefeld, HRB 34832

 Manager:

                      Delius Verwaltungs GmbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Share capital:     EUR             25,615.72

                      Registered

                      on:         10.01.1997

                      Reg. data:  33602 Bielefeld, HRB 35654

 

 

 COMPANY HISTORY

 

 06.12.1972 - 24.06.1997  Delius Gesellschaft mit beschränkter

                          Haftung

                          Goldstr. 16-18

                          D 33602 Bielefeld

                          Private limited company

 

 

 


BUSINESS ACTIVITIES

 

 Main industrial sector

 13990   Manufacture of other textiles n.e.c.

 

 

 BRANCHES AND FACTORIES

 

 Works:

                      DELIUS GmbH

                      Webereistr. 1-5

                      D 32139 Spenge

                      TEL.: 05225/8798-0

                      FAX.: 05225/8798-20

 

 

 PARTICIPATIONS

 

 Limited partner:

                      Delcotex Delius Techtex GmbH & Co. KG

                      Vilsendorfer Str. 50

                      D 33739 Bielefeld

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR          3,630,000.00

                      contribution:

                      Share:             EUR          3,630,000.00

                      Reg. data:  02.12.2002

                                  Local court 33602 Bielefeld

                                  HRA 14483

 Limited partner:

                      Voss-Biermann, Lawaczek GmbH & Co. KG

                      Girmesgath 5

                      D 47803 Krefeld

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: insolvent

                      since:          23.03.2009

                      Total cap.         EUR          7,345,654.40

                      contribution:

                      Share:             EUR          2,515,760.00

                      Reg. data:  28.02.1994

                                  Local court 47798 Krefeld

                                  HRA 3604


 Shareholder:

                      Delcotex Delius Techtex Verwaltungs GmbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             50,000.00

                      Share:             EUR             50,000.00

                      Reg. data:  25.11.2002

                                  Local court 33602 Bielefeld

                                  HRB 37635

 Shareholder:

                      DPV GmbH

                      Goldstr. 16-18

                      D 33602 Bielefeld

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             50,000.00

                      Share:             EUR             48,000.00

                      Reg. data:  03.12.2007

                                  Local court 33602 Bielefeld

                                  HRB 39124

 

 

 FINANCIAL INFORMATION

 

Payment experience:     in top condition

 

 Negative information:   We have no negative information at hand.

 

 Balance sheet year:      2012

 

 

REAL ESTATE

 

 Type of ownership:   Tenant

 Address              Goldstr. 16-18

                      D 33602 Bielefeld

 

 Land register documents were not available.

 

 

 BANKERS

 

 COMMERZBANK, 33596 BIELEFELD

 Sort. code: 48040035

 BIC: COBADEFFXXX

 DEUTSCHE BANK, 33501 BIELEFELD

 Sort. code: 48070020

 BIC: DEUTDE3BXXX

 COMMERZBANK VORMALS DRESDNER BANK, 33502 BIELEFELD

 Sort. code: 48080020

 BIC: DRESDEFF480

 

 

 FINANCIAL FIGURES

 

 Turnover:                                    2012               EUR         17,602,807.00

 Profit:                                      2012                   EUR            319,066.00

 Equipment:                                           EUR            269,038.00

 Ac/ts receivable:                                              EUR          3,330,702.00

 Liabilities:                                            EUR          2,290,498.00

 Employees:                                                                       76

 - thereof permanent staff:                                                               66

 - Trainees:                                                                         10

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                           81.42

 Liquidity ratio:                            2.25

 Return on total capital [%]:       2.01

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                         73.18

 Liquidity ratio:                            1.87

 Return on total capital [%]:       7.96

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                        71.11

 Liquidity ratio:                             1.48

 Return on total capital [%]:       6.58

 

 Balance sheet ratios 01.01.2009 - 31.12.2009

 Equity ratio [%]:                         63.36

 Liquidity ratio:                             1.49

 Return on total capital [%]:       1.79

 

 Equity ratio

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 Liquidity ratio

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 Return on total capital

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

 Type of balance sheet:               Company balance sheet

 

 Financial year:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR         15,905,662.14

  Fixed assets                           EUR          6,703,677.00

   Intangible assets                     EUR             24,233.00

    Concessions, licences, rights        EUR             24,233.00

   Tangible assets                       EUR            326,214.00

    Plant / machinery                    EUR             57,176.00

    Other tangible assets / fixtures and

    fittings                             EUR            269,038.00

   Financial assets                      EUR          6,353,230.00

    Shares in participations /

    subsidiaries and the like            EUR          6,353,230.00

     Shares in related companies         EUR          6,353,227.00

     Shares in investee companies        EUR                  3.00

  Current assets                         EUR          8,678,218.31

   Stocks                                EUR          4,534,411.01

    Raw materials, consumables and

    supplies                             EUR             72,560.06

    Finished goods / work in progress    EUR          4,461,850.95

   Accounts receivable                   EUR          3,330,701.71

    Trade debtors                        EUR          1,645,308.71

    Amounts due from related companies   EUR          1,325,270.19

    Other debtors and assets             EUR            360,122.81

   Liquid means                          EUR            813,105.59

  Remaining other assets                 EUR            523,766.83

   Accruals (assets)                     EUR             68,492.80

   Active difference from asset

   offsetting                            EUR            455,274.03

 

 LIABILITIES                             EUR         15,905,662.14

  Shareholders' equity                   EUR         12,949,762.73

   Capital                               EUR          5,112,918.81

    Subscribed capital (share capital)   EUR          5,112,918.81

   Reserves                              EUR          4,438,930.53

    Retained earnings / revenue reserves EUR          4,438,930.53

   Balance sheet profit/loss (+/-)       EUR          3,397,913.39

    Profit / loss brought forward        EUR          3,078,847.34

    Annual surplus / annual deficit      EUR            319,066.05

  Provisions                             EUR            628,634.93

   Pension provisions and comparable

   provisions                            EUR            206,249.93

   Other / unspecified provisions        EUR            422,385.00

  Liabilities                            EUR          2,290,498.24

   Financial debts                       EUR          1,403,633.42

    Liabilities due to banks             EUR          1,403,633.42

   Other liabilities                     EUR            886,864.82

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR            545,790.02

    Liabililties due to related companiesEUR              7,421.00

    Unspecified other liabilities        EUR            333,653.80

     thereof liabilities from tax /

     financial authorities               EUR             71,793.61

     thereof liabilities from social

     security                            EUR                123.68

  Other liabilities                      EUR             36,766.24

   Deferrals (liabilities)               EUR             36,766.24

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.  Code (HGB)

 

  Sales                                  EUR         17,602,806.71

  Inventory change + own costs (+/-)     EUR            264,815.03

   Inventory change (+/-)                EUR            264,815.03

  Other operating income                 EUR            760,762.74

  Cost of materials                      EUR         10,957,120.36

   Raw materials and supplies, purchased

   goods                                 EUR          8,530,326.58

   Purchased services                    EUR          2,426,793.78

  Gross result (+/-)                     EUR          7,671,264.12

  Staff expenses                         EUR          4,248,571.94

   Wages and salaries                    EUR          3,467,023.52

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR            781,548.42

  Total depreciation                     EUR            105,104.33

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            105,104.33

  Other operating expenses               EUR          2,844,686.37

  Operating result from continuing

  operations                             EUR            472,901.48

  Result from participating interests

  (+/-)                                  EUR             43,713.33

   Expenses / income from participations EUR             43,713.33

    Income from related companies        EUR             43,713.33

  Interest result (+/-)                  EUR            -53,421.92

   Interest and similar income           EUR             40,899.78

    thereof from related companies       EUR             33,159.43

   Interest and similar expenses         EUR             94,321.70

  Other financial result                 EUR            -48,862.00

   Depreciation on financial assets and

   marketable securities                 EUR             48,862.00

  Financial result (+/-)                 EUR            -58,570.59

  Result from ordinary operations (+/-)  EUR            414,330.89

  Income tax / refund of income tax (+/-)EUR            -91,417.84

  Other taxes / refund of taxes          EUR             -3,847.00

  Tax (+/-)                              EUR            -95,264.84

  Annual surplus / annual deficit        EUR            319,066.05

 

 Type of balance  sheet:               Company balance sheet

 

 Financial year:      01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR         17,259,583.00

  Fixed assets                           EUR          6,638,248.00

   Intangible assets                     EUR              4,287.00

    Concessions, licences, rights        EUR              4,287.00

   Tangible assets                       EUR            231,869.00

    Plant / machinery                    EUR             22,485.00

    Other tangible assets / fixtures and

    fittings                             EUR            209,384.00

   Financial assets                      EUR          6,402,092.00

    Shares in participations /

    subsidiaries and the like            EUR          6,402,092.00

     Shares in related companies         EUR          6,402,089.00

     Shares in investee companies        EUR                  3.00

  Current assets                         EUR         10,266,587.72

   Stocks                                EUR          4,271,317.97

    Raw materials, consumables and

    supplies                             EUR             74,282.05

    Finished goods / work in progress    EUR          4,197,035.92

   Accounts receivable                   EUR          5,046,503.27

    Trade debtors                        EUR          1,523,027.75

    Amounts due from related companies   EUR          3,340,321.96

    Other debtors and assets             EUR            183,153.56

   Liquid means                          EUR            948,766.48

  Remaining other assets                 EUR            354,747.28

   Accruals (assets)                     EUR              8,087.97

   Active difference from asset

   offsetting                            EUR            346,659.31

 

 LIABILITIES                             EUR         17,259,583.00

  Shareholders' equity                   EUR         12,630,696.68

   Capital                               EUR          5,112,918.81

    Subscribed capital (share capital)   EUR          5,112,918.81

   Reserves                              EUR          4,438,930.53

    Retained earnings / revenue reserves EUR          4,438,930.53

   Balance sheet profit/loss (+/-)       EUR          3,078,847.34

    Profit / loss brought forward        EUR          1,704,911.81

    Annual surplus / annual deficit      EUR          1,373,935.53

  Provisions                             EUR            980,989.53

   Pension provisions and comparable

   provisions                            EUR            365,178.53

   Provisions for taxes                  EUR            258,000.00

   Other / unspecified provisions        EUR            357,811.00

  Liabilities                            EUR          3,647,896.79

   Financial debts                       EUR          2,714,803.40

    Liabilities due to banks             EUR          2,714,803.40

   Other liabilities                     EUR            933,093.39

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR            532,666.51

    Liabililties due to related companiesEUR             92,594.09

    Unspecified other liabilities        EUR            307,832.79

     thereof liabilities from tax /

     financial authorities               EUR             50,393.27

     thereof liabilities from social

     security                            EUR              2,803.83

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.  Code (HGB)

 

  Sales                                  EUR         17,125,471.38

  Inventory change + own costs (+/-)     EUR            235,914.21

   Inventory change (+/-)                EUR            235,914.21

  Other operating income                 EUR            802,270.55

  Cost of materials                      EUR         10,514,673.67

   Raw materials and supplies, purchased

   goods                                 EUR          8,187,604.27

   Purchased services                    EUR          2,327,069.40

  Gross result (+/-)                     EUR          7,648,982.47

  Staff expenses                         EUR          3,795,052.74

   Wages and salaries                    EUR          3,219,973.73

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR            575,079.01

  Total depreciation                     EUR             96,377.78

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR             96,377.78

  Other operating expenses               EUR          2,943,583.27

  Operating result from continuing

  operations                             EUR            813,968.68

  Result from participating interests

  (+/-)                                  EUR            862,549.39

   Expenses / income from participations EUR            862,549.39

    Income from related companies        EUR            862,549.39

  Interest result (+/-)                  EUR            -47,304.62

   Interest and similar income           EUR             40,914.17

    thereof from related companies       EUR             35,097.25

   Interest and similar expenses         EUR             88,218.79

  Financial result (+/-)                 EUR            815,244.77

  Result from ordinary operations (+/-)  EUR          1,629,213.45

  Income tax / refund of income tax (+/-)EUR           -251,239.19

  Other taxes / refund of taxes          EUR             -4,038.73

  Tax (+/-)                              EUR           -255,277.92

  Annual surplus / annual deficit        EUR          1,373,935.53


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.26

UK Pound

1

Rs.99.63

Euro

1

Rs.80.59

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

NNA

 

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.