MIRA INFORM REPORT

 

 

Report Date :

12.06.2014

 

IDENTIFICATION DETAILS

 

Name :

SIZER METALS PTE. LTD.

 

 

Registered Office :

6, Eu Tong Sen Street, 10-03, The Central, 059817

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

09.06.2009

 

 

Com. Reg. No.:

200910378-H

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

·         Engaged in Trading of metals such as Tin, Nickel, Zinc and Lead

·         subject is also engaged in trading, stocking and distribution of Ferro-alloys like Ferro-Chrome, Ferro-Vanadium  & Ferro-Molly

 

 

No of Employees :

01 [2014]

 

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)

Singapore

A1

A1

 

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

 

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports, before slowing to in 2011-13, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub.

 

Source : CIA

 

 

 

 

 

* Adopted abbreviations :

SC - Subject Company (the company enquired by you)

 

N/A - Not Applicable

 

 

 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

200910378-H

COMPANY NAME

:

SIZER METALS PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

09/06/2009

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

6, EU TONG SEN STREET, 10-03, THE CENTRAL, 059817, SINGAPORE.

BUSINESS ADDRESS

:

6, EU TONG SEN STREET, # 10-03, THE CENTRAL SOHO 1, 059817, SINGAPORE.

TEL.NO.

:

65-62241786

FAX.NO.

:

65-62241787

EMAIL

:

INFO@SIZERMETALS.COM

WEB SITE

:

WWW.SIZERMETALS.COM

CONTACT PERSON

:

TAMBAWALA ABIZER SHABBIR ( DIRECTOR )

PRINCIPAL ACTIVITY

:

·         Engaged in Trading of metals such as Tin, Nickel, Zinc and Lead

·         subject is also engaged in trading, stocking and distribution of Ferro-alloys like Ferro-Chrome, Ferro-Vanadium  & Ferro-Molly

ISSUED AND PAID UP CAPITAL

:

27,000.00 ORDINARY SHARE, OF A VALUE OF SGD 27,000.00 
490,000.00 ORDINARY SHARE, OF A VALUE OF USD 490,000.00 

SALES

:

USD 57,426,764 [2013]

NET WORTH

:

USD 1,168,263 [2013]

STAFF STRENGTH

:

1 [2014]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

PROMPT

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 


HISTORY / BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

 

The Subject is principally engaged in the (as a / as an) trading of metals.

 

The immediate holding company of the Subject is SIZER METALS PTE. LTD., a company incorporated in INDIA.

 

The ultimate holding company of the Subject is SIZER METALS PRIVATE LIMITED, a company incorporated in INDIA.

 

Share Capital History

Date

Issue & Paid Up Capital

11/06/2014

SGD 517,000.00

 

The major shareholder(s) of the Subject are shown as follows :


Name

Address

IC/PP/Loc No

Shareholding

(%)

TAMBAWALA ABIZER SHABBIR +

10, KITCHENER LINK, 04-19, CITY SQUARE RESIDENCES, 207225, SINGAPORE.

G5163506Q

1.00

0.00

SIZER METALS PTE. LTD.

15/17, YAQOOB STREET, MOHAMMEDI MANZIL, NEAR J.J. HOSPITAL, MUMBAI 400003, INDIA.

T10UF0640

516,999.00

100.00

---------------

------

517,000.00

100.00

============

=====

+ Also Director

 

DIRECTORS

 

DIRECTOR 1

Name Of Subject

:

TAMBAWALA SHABBIR ABDUL HUSAIN

Address

:

204-A, MEENA APTS, MATHAR PAKHDI ROAD, MAZGAON, MUMBAI 10, MS, INDIA.

IC / PP No

:

E8157399

Nationality

:

INDIAN

Date of Appointment

:

06/04/2010

 

DIRECTOR 2

Name Of Subject

:

MEHTA DIVYEN PRAKASH

Address

:

568, HOUGANG STREET 51, 02-81, 530568, SINGAPORE.

IC / PP No

:

S2765837G

Nationality

:

SINGAPOREAN

Date of Appointment

:

01/09/2013

 

DIRECTOR 3

Name Of Subject

:

TAMBAWALA ABIZER SHABBIR

Address

:

10, KITCHENER LINK, 04-19, CITY SQUARE RESIDENCES, 207225, SINGAPORE.

IC / PP No

:

G5163506Q

Nationality

:

INDIAN

Date of Appointment

:

09/06/2009



MANAGEMENT

 

 

 

1)

Name of Subject

:

TAMBAWALA ABIZER SHABBIR

Position

:

DIRECTOR

 

 

 

AUDITOR

 

Auditor

:

AKBER ALI & CO

Auditor' Address

:

N/A

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

LORRAINE LEE LAY CHING

IC / PP No

:

S1794045G

Address

:

251, KIM KEAT LINK, 08-117, 310251, SINGAPORE.

 

 

 

BANKING


No Banker found in our databank. 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C201105910

16/05/2011

N/A

UNION BANK OF INDIA, NULL BAZAR BRANCH

-

Unsatisfied

C201105912

16/05/2011

N/A

UNION BANK OF INDIA, NULL BAZAR BRANCH

-

Unsatisfied

 

 

LEGAL CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation. 

No legal action was found in our databank. 

No winding up petition was found in our databank. 

 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A


The Subject refused to disclose its suppliers. 

The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

 

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

X

]

Good 31-60 Days

[

]

Average 61-90 Days

[

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

Export Market

:

WORLDWIDE

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

OPERATIONS

 

Goods Traded

:

METALS

 

Total Number of Employees:

YEAR

2014


GROUP

N/A

COMPANY

1

 

Branch

:

NO

 

Other Information:

·         The Subject is principally engaged in the (as a / as an) trading of metals such as Tin, Nickel, Zinc and Lead

·         The subject is also engaged in trading, stocking and distribution of Ferro-alloys like Ferro-Chrome, Ferro-Vanadium  & Ferro-Molly

 

 

CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-62241786

Match

:

N/A

Address Provided by Client

:

6EU TONG SEN STREET, # 10-03 THE CENTRAL , SOHO 1, SINGAPORE 059817

Current Address

:

6, EU TONG SEN STREET, # 10-03, THE CENTRAL SOHO 1, 059817, SINGAPORE.

Match

:

YES

 

Other Investigations

we contacted one of the staff from the Subject and she provided some information.

FINANCIAL ANALYSIS

 

 

Profitability

Turnover

:

Increased

[

14.15%

]

Profit/(Loss) Before Tax

:

Increased

[

122.16%

]

Return on Shareholder Funds

:

Favourable

[

33.25%

]

Return on Net Assets

:

Favourable

[

53.47%

]

The higher turnover could be attributed to the favourable market condition and the Subject could be gaining the market share progressively.The higher profit could be attributed to the increase in turnover. Generally the Subject was profitable. The favourable return on shareholders' funds and return on net assets indicate that the Subject's management was efficient in utilising the assets to generate returns.

Working Capital Control

Stock Ratio

:

Favourable

[

1 Days

]

Debtor Ratio

:

Favourable

[

17 Days

]

Creditors Ratio

:

Favourable

[

0 Days

]

The Subject's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

Liquidity

Liquid Ratio

:

Favourable

[

1.19 Times

]

Current Ratio

:

Unfavourable

[

1.23 Times

]

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Acceptable

[

3.11 Times

]

Gearing Ratio

:

Favourable

[

0.12 Times

]

The Subject's interest cover was slightly low. If there is no sharp fall in its profit or sudden increase in the interest rates, we believe the Subject is able to generate sufficient income to service its interest and repay the loans. The Subject was lowly geared thus it had a low financial risk. The Subject was mainly financed by its shareholders' funds and internally generated funds. In times of economic slowdown / downturn, the Subject being a lowly geared company, will be able to compete better than those companies which are highly geared in the same industry.

Overall Assessment :

Generally, the Subject's performance has improved with higher turnover and profit. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject had an acceptable interest cover. If there is no sudden sharp increase in interest rate or fall in the Subject's profit, we do believe the Subject is able to generate sufficient cash flow to service its interest payment. The Subject as a lowly geared company, will be more secured compared to those highly geared companies. It has the ability to meet all its long term obligations.

Overall financial condition of the Subject : FAIR

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

Services

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

* Based on Index of Industrial Production (2011 = 100)

(Source : Department of Statistics)

 

INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

The wholesale and retail trade sector contracted by 1.5% in the fourth quarter of 2012, extending the 0.2% decline in the preceding quarter. For the whole of 2012, the sector declined by 0.7%, reversing the 1.6% growth in 2011. The sector was weighed down primarily by the wholesale trade segment. In 2012, the wholesale trade segment contracted by 1.0%, a reversal from the 1.4% growth in 2011. Growth of the retail trade segment also moderated to 2.0%, from 3.2% in the year 2011.

The domestic wholesale trade index grew by 1.2% in the fourth quarter of 2012, an improvement from the 5.4% decline in the third quarter. This was partly due to an increase in the sales of chemicals & chemical products and ship chandlers & bunkering. For the full year of 2012, the domestic wholesale trade index contracted by 2.2%, extending the 1.7% decline in 2011. The foreign wholesale trade index grew by 8.6% in the fourth quarter, an increase from the 6.6% growth in the third quarter. The expansion was partly due to resilient sales of petroleum & petroleum products. For the whole of 2012, the foreign wholesale trade index expanded by 9.1%, faster than the 4.3% increase in 2011.

In the fourth quarter of 2012, retail sales volume declined by 2.0%, extending the 0.3% decline in the third quarter. Excluding motor vehicles, retail sales volume grew by 0.4%, a slight moderation compared to the 1.5% gain in the third quarter of 2012. The sales volume of motor vehicles fell by 11% in the fourth quarter of 2012, after contracting by 6.1% in the third quarter. The sales of several discretionary items also declined in the fourth quarter. Besides, the sales of optical goods & books in 2012 fell by 3.6%, while the sales of telecommunications apparatus & computers declined by 1.4%. 

For 2012 as a whole, retail sales volume grew by 1.3%, compared to the 2.0% expansion in 2011. Excluding motor vehicle sales, the increase in retail sales volume also moderated from 5.4% in 2011 to 1.7% in 2012. Medical goods & toiletries registered the largest increase (9.3%) in sales, followed by telecommunications apparatus & computers (6.9%). By contrast, the sales of watches & jewellery (-2.2%) and optical goods & books (-3.6%) declined.

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH

 

CREDIT RISK EVALUATION & RECOMMENDATION

 

 

Incorporated in 2009, the Subject is a Private Limited company, focusing on trading of metals. Having been in business for 5 years, the Subject has established a remarkable clientele base for itself which has contributed to its business growth. Having strong support from its holding company has enabled the Subject to remain competitive despite the challenging business environment. 

Over the years, the Subject has penetrated into both the local and overseas market. The Subject has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the Subject to further enhance its business in the near term. Being a small company, the Subject's business operation is supported by 1 employees. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject. 

We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. Based on the higher profitability, the Subject has generated a favourable return based on its existing shareholders' funds which indicated that the management was efficient in utilising its funds to generate income. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a lowly geared company, the Subject is exposed to low financial risk as it is mainly dependent on its internal funds to finance its business needs. Given a positive net worth standing at USD 1,168,263, the Subject should be able to maintain its business in the near terms. 

We regard that the Subject's overall payment habit is prompt. The Subject had a favourable creditors' ratio as evidenced by its favourable collection days. 

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry. 

Based on the above condition, we recommend credit be granted to the Subject promptly.

 

 

PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

SIZER METALS PTE. LTD.

 

Financial Year End

2013-03-31

2012-03-31

Months

12

12

Consolidated Account

Company

Company

Audited Account

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

Financial Type

FULL

FULL

Currency

USD

USD

TURNOVER

57,426,764

50,307,473

Other Income

12,284

59,200

----------------

----------------

Total Turnover

57,439,048

50,366,673

----------------

----------------

PROFIT/(LOSS) FROM OPERATIONS

423,913

190,812

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

423,913

190,812

Taxation

(35,448)

(15,794)

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

388,465

175,018

----------------

----------------

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

270,493

95,475

----------------

----------------

As restated

270,493

95,475

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

658,958

270,493

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

658,958

270,493

=============

=============

INTEREST EXPENSE (as per notes to P&L)

Term loan / Borrowing

119,398

16,858

Others

81,382

-

----------------

----------------

200,780

16,858

=============

=============

 

 

 

BALANCE SHEET

 

 

SIZER METALS PTE. LTD.

 

ASSETS EMPLOYED:

FIXED ASSETS

3,133

-

----------------

----------------

TOTAL LONG TERM ASSETS

3,133

-

Stocks

231,121

97,807

Trade debtors

2,611,098

3,600,807

Other debtors, deposits & prepayments

670,506

830,422

Cash & bank balances

1,323,639

5,032

Amount owing by shareholders

1,361,629

833,932

----------------

----------------

TOTAL CURRENT ASSETS

6,197,993

5,368,000

----------------

----------------

TOTAL ASSET

6,201,126

5,368,000

=============

=============

Other creditors & accruals

13,884

66,489

Bank overdraft

140,181

26,869

Amounts owing to director

104,267

21,661

Provision for taxation

59,854

24,316

Other liabilities

4,714,677

4,588,867

----------------

----------------

TOTAL CURRENT LIABILITIES

5,032,863

4,728,202

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

1,165,130

639,798

----------------

----------------

TOTAL NET ASSETS

1,168,263

639,798

=============

=============

SHARE CAPITAL

Ordinary share capital

509,305

369,305

----------------

----------------

TOTAL SHARE CAPITAL

509,305

369,305

Retained profit/(loss) carried forward

658,958

270,493

----------------

----------------

TOTAL RESERVES

658,958

270,493

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

1,168,263

639,798

----------------

----------------

1,168,263

639,798

=============

=============

 

 

 

FINANCIAL RATIO

 

 

SIZER METALS PTE. LTD.

 

TYPES OF FUNDS

Cash

1,323,639

5,032

Net Liquid Funds

1,183,458

(21,837)

Net Liquid Assets

934,009

541,991

Net Current Assets/(Liabilities)

1,165,130

639,798

Net Tangible Assets

1,168,263

639,798

Net Monetary Assets

934,009

541,991

BALANCE SHEET ITEMS

Total Borrowings

140,181

26,869

Total Liabilities

5,032,863

4,728,202

Total Assets

6,201,126

5,368,000

Net Assets

1,168,263

639,798

Net Assets Backing

1,168,263

639,798

Shareholders' Funds

1,168,263

639,798

Total Share Capital

509,305

369,305

Total Reserves

658,958

270,493

LIQUIDITY (Times)

Cash Ratio

0.26

0.00

Liquid Ratio

1.19

1.11

Current Ratio

1.23

1.14

WORKING CAPITAL CONTROL (Days)

Stock Ratio

1

1

Debtors Ratio

17

26

Creditors Ratio

0

0

SOLVENCY RATIOS (Times)

Gearing Ratio

0.12

0.04

Liabilities Ratio

4.31

7.39

Times Interest Earned Ratio

3.11

12.32

Assets Backing Ratio

2.29

1.73

PERFORMANCE RATIO (%)

Operating Profit Margin

0.74

0.38

Net Profit Margin

0.68

0.35

Return On Net Assets

53.47

32.46

Return On Capital Employed

47.74

31.15

Return On Shareholders' Funds/Equity

33.25

27.36

Dividend Pay Out Ratio (Times)

0.00

0.00

NOTES TO ACCOUNTS

Contingent Liabilities

0

0



FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.33

UK Pound

1

Rs.99.42

Euro

1

Rs.80.32

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

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%)

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.