MIRA INFORM REPORT

 

 

Report Date :

28.03.2014

 

IDENTIFICATION DETAILS

 

Name :

CAMBIASO HNOS S.A.C.

 

 

Registered Office :

Brasil 2492 , Valparaíso

 

 

Country :

Chile

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

03.12.1950

 

 

Legal Form :

Stock Company

 

 

Line of Business :

Packing and sale of tea and organic herbs of the brands SUPREMO and GARDEN OF THE ANDES, respectively.

 

It is also engaged in the manufacture of cleaning bags and packing products for supermarkets and business in general, sold under the brand SUPERIOR and MILDRED.

 

 

No. of Employees :

1,100

 

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.

 

 

CHILE - ECONOMIC OVERVIEW

 

Chile has a market-oriented economy characterized by a high level of foreign trade and a reputation for strong financial institutions and sound policy that have given it the strongest sovereign bond rating in South America. Exports of goods and services account for approximately one-third of GDP, with commodities making up some three-quarters of total exports. Copper alone provides 19% of government revenue. From 2003 through 2013, real growth averaged almost 5% per year, despite the slight contraction in 2009 that resulted from the global financial crisis. Chile deepened its longstanding commitment to trade liberalization with the signing of a free trade agreement with the US, which took effect on 1 January 2004. Chile has 22 trade agreements covering 60 countries including agreements with the European Union, Mercosur, China, India, South Korea, and Mexico. Chile has joined the United States and nine other countries in negotiating the Trans-Pacific-Partnership trade agreement. The Chilean Government has generally followed a countercyclical fiscal policy, accumulating surpluses in sovereign wealth funds during periods of high copper prices and economic growth, and generally allowing deficit spending only during periods of low copper prices and growth. As of 31 December 2012, those sovereign wealth funds - kept mostly outside the country and separate from Central Bank reserves - amounted to more than $20.9 billion. Chile used these funds to finance fiscal stimulus packages during the 2009 economic downturn. In May 2010 Chile signed the OECD Convention, becoming the first South American country to join the OECD.

 

Source : CIA


IDENTIFICATION

 

CORRECT COMPANY NAME

CAMBIASO HNOS S.A.C.

TAXPAYER REGISTRATION

RUT 914380006

MAIN ADDRESS

Brasil 2492 , Valparaíso

DEPT/PROV/REGION/STATE

Valparaíso

COUNTRY

CHILE

TELEPHONE

(5632) 2206900

CORPORATE E-MAIL

glittle@cambiaso.cl

WEB

www.cambiaso.cl; www.supremo.cl

COMMENTS

 

The Company does not appear in the List of Clinton.

 

 

EXECUTIVE SUMMARY

 

Date of foundation

1950

Capital stock

Ps$.1,810,000,000.= Pesos

Shareholders' equity

41,783,000,000.00 Pesos (31DEC2012)

Annual revenues

US$ 134,121,818.94 Pesos (31DEC2012)

Profits (loss)

4,317,000,000.00 Pesos (31DEC2012)

permanent employees

1,100

Chief Executive

RAMM CAMBIASO, JUAN CARLOS

Disposition

Excellent. Full information and Financial Statements.

Payments policy

Usually to terms / good

Number of times that this company was required: 7

 

 

LEGAL STRUCTURE

 

LEGAL STATUS

Stock Company

 

 

DATE OF INCORPORATION

03DEC1950

PLACE OF REGISTRY

Santiago

 

 

NOTARY OFFICE

DURATION

Indefinite

REGISTRATION

No.191, Page 315 of Reg. of Commmerce

 

 

CURRENT PAID-IN CAPITAL

Ps$.1,810,000,000.= Pesos

LAST CAPITAL INCREASE

2008

SHAREHOLDERS EQUITY

41,783,000,000.00 Pesos (31DEC2012)

 

 

CURRENT EXCHANGE RATE (US$)

Ps$.569.10 per US$1.00

 

 

 


DIRECTORS - EXECUTIVES – SHAREHOLDERS

 

FULL NAMES / COMPANY NAME

TITLE

%PART.

SINCE

CAMBIASO ROPERT, LUIS JUAN

President

93.00%

AGUAYO ESPEJO, SERGIO

Vice President

GUBLER DIAZ, FERNANDO

Director/Controller Mgr.

CAMBIASO DEMARIA, FLAVIA.

Director

RAMM CAMBIASO, JUAN CARLOS

General Manager

LITTLE, GEORGE

Adm. & Finance Manager

LARRAIN, JOSE LUIS

Commercial Manager

GAIO JORQUERA, OSWALDO

Shareholder

INVERSIONES Y COMERCIO SANTA MARGOT S.A.

Shareholder / Member

7.00%

 

 

WHO IS WHO?

 

CAMBIASO ROPERT, LUIS JUAN

TITLE

President

NATIONALITY

Chilean

D.O.B.

17DEC1935 (Viña del Mar)

CIVIL STATUS

Married to María Elena Demaría Rocca

FATHER'S NAME

Luis Cambiaso Denegri (?)

MOTHER'S NAME

Margot Ropert Gallet (?)

BACKGROUND INFORMATION

He is Antonio Cambiaso Lavagetto's  grandson.

 

 

INVERSIONES Y COMERCIO SANTA MARGOT S.A.

 

BUSINESS BACKGROUND

Chilean company dedicated to provide advertising services.

Started operating on  05-10-1999

 

 

BUSINESS HISTORY

 

Two immmigrants, Juan Bautista and his nephew, Antonio Cambiaso, founded in 1875 a company called CAMBIASO, which gradually became one of the most important suppliers of the country in the distribution of tea, olive oil, cheese,  every kind of canned food, tools, etc. The Company grew quickly but  Juan Bautista returned to Italy, and Antonio took charge of the company.

Antonio got married and had eleven children. Among them, Juan, Ernesto, Carlos, Luis and Armando, followed their father's track. They went to European universities to study, and then entered the Company, which was called "CAMBIASO E HIJOS".

 

The Company kept progressing and during the 30's, the factory EL VERGEL SA, was set up. Later, in 1943, it stopped being part of the Company. In 1948, CONVERVERA CORRAL SA was established, a company engaged in seafood products and which was part of the Company until 1959.

 

When the partners died, at early 60's, the Company faced up a serious crisis that put the Company's existance at risk, and its personnel had to be reduced to only two employees.

 

Under these circumstances, Luis Cambiaso Ropert, took charge of the Company, and later, his sister Monica joined him. Thus together, they started again new activities to overcome such a serious situation. At that time, the different products sold by the Company were basically reduced to tea, and in 1964, the SUPREMO brand was launched (SUPREMO mate herbs and tea). The product began to be packed in the company's facilities (located at Av. Brasil 2492, Valparaíso); then it began to be gradually introduced in the domestic market.

 

In 1970, the Company faced up the nationalization of the sale and distribution of tea, and mate herbs, the major line of its activities.

The Company's return to the market took place again by late 1973, and since then, it has captured consumer preferences throughout the country without interruption and has kept being a leading brand.

 

By mid-eighties, CAMBIASO HERMANOS SAC - as a way to expand its markets - started to export its products to countries in North and South America, Europe and other countries worldwide.

At present, the quality of its products keeps capturing new markets.

 

In order to meet the requirements of the most developed markets and being ahead of new food trends and changes, CAMBIASO HERMANOS SAC also created a line of organic herbs under the brandname GARDEN OF THE ANDES. That ecologic product is exported to the United States, Japan and Europe.

 

As a way to diversify its business activities, by early eighties, the company entered  the plastic industry. At first, it sought to meet some the requirement of inputs for tea packing, but soon such activity started to grow, thereby and taking advantage of its great distribution nationwide, the Company specialized in cleaning bags and packing products for supermarkets and trade in general, which are sold under the brand SUPERIOR.

 

One of the important milestones in the history of the company took place in 2001, when it was created in the United States the subsidiary Cambiaso Brothers, designed to facilitate the entry of organic products to the US market.

 

 

RELATED COMPANIES TO SUBJECT COMPANY OR TO MAJORITY SHAREHOLDER

 

COMPANY NAME

COUNTRY

TAX REG.

RELATION %

CAMBIASO BROTHERS INC

U.S.A.

(AC) P01000099505

Related

 


BUSINESS

 

SIC Classification

B - AGROINDUSTRIA-PROD. ALIMENTICIOS- BEBIDAS (Proceso industrial de Alimentos, productos agrícolas, frutas, conservas, bebidas gaseosas, cervezas, )

Main activity

Packing and sale of  tea and organic herbs of the brands SUPREMO and GARDEN OF THE ANDES, respectively.

 

It is also engaged in the manufacture of cleaning bags and packing products for supermarkets and business in general, sold under the brand SUPERIOR and MILDRED.

O P E R A T I O N S

Import

Yes

Country

Brazil, USA

ANNUAL Imports In US$ (CIF)

YEAR

AMOUNT

2011

37,568,647.29

2010

29,689,639.64

2009

27,589,040.23

2008

38,019,025.18

Export

Yes

COUNTRY

Guatemala, Venezuela, Paraguay, Panama

Annual exports in US$ (FOB)

YEAR

AMOUNT

2011

2,290,858.06

2010

1,483,407.87

2009

1,831,033.67

2008

1,291,975.90

% CASH SALES / METHOD

10%

% Credit SALES / Terms

90% (85 days)

% Ventas exterior (Paises)

2%

SELLING TerritorY

Domestic market - 98%

EMPLOYEES

1,100

LOCATION

PREMISES

Own Settled

OTHER PREMISES

Headquarters operate at the above address.

 

Commercial offices: Av. Vitacura 2939, Ofic.1101, Edificio Millenium - Santiago, Región Metropolitana. Phone: 679.3100. Fax: 234.5103. Rented premises.

 

Polyethylene Division Plant: Calle Virginia Bravo Letelier 777, Placilla, Valparaíso. Phone: (56.32) 29.1420. Own premises.

 

Tea and Herbs Division Plant: Calle El Sauce 851, Placilla, Valparaíso. Phone:(56.32) 29.1256. Fax: (56.32) 29.1523.

 

Distribution Centers:

- Central: Calle El Sauce 851, Placilla, Valparaíso, Quinta Región, Chile

- Sotomayor 2385 esq. Av. Circunvalación, Iquique, Primera Región, Chile

- Calle Cobija 149, Barrio Industrial, Antofagasta, Segunda Región, Chile

- Parque Araucas, Calle Américo Vespucio 550, Talcahuano, Octava Región, Chile

- Calle Caupolican 1217, Temuco, Novena Región, Chile

Comments

 

The Company has its own organic farm that operates under strict quality standards, certified by prestigious international organizations.

 

Market share: 55%

Market share of the main competitor: 40%

Other: 5%

 

 

FINANCIAL INFORMATION

 

Disposition

Excellent. Full information and Financial Statements.

Interviewee(s)

George Little O.

Position(s)

Finance Manager

Information provided

Mr. Little confirmed information and updated commercial information. With regards to the financials, he provided with an extract of the Balance Sheet for the FY aas of 31/12/2012, expressed in Pesos.

He also included the Turnover for the FY 2013, which are in the region of Ps$.69,122,000,000.= Pesos.

 

BALANCE SHEET

Balance sheet date

31DEC2012

31DEC2011

31DEC2009

31DEC2008

Type of balance sheet

Annual

Annual

Annual

Annual

Period

12 months

12 months

12 months

12 months

Currency

Pesos

Pesos

Pesos

Pesos

Exchange rate per US$

479.4

521.75

499.76

628.16

A S S E T S

 

 

 

 

Current Assetsd

36,129,000,000.00

33,730,000,000.00

29,130,000,000.00

29,000,000,000.00

Fixed

28,379,000,000.00

21,050,000,000.00

26,000,000,000.00

Others

7,598,000,000.00

29,418,000,000.00

6,065,000,000.00

Total Assets

72,106,000,000.00

63,148,000,000.00

56,245,000,000.00

55,000,000,000.00

L I A B I L I T I E S

 

 

 

 

Current liabilities

22,122,000,000.00

18,485,000,000.00

16,522,000,000.00

18,000,000,000.00

Long term

8,201,000,000.00

7,670,000,000.00

10,604,000,000.00

11,000,000,000.00

TOTAL LIABILITIES

30,323,000,000.00

26,155,000,000.00

27,126,000,000.00

S H A R E H O L D E R S'  E Q U I T Y

 

 

 

 

Profits (Loss)

4,317,000,000.00

Others

37,466,000,000.00

Total shareholders equity

41,783,000,000.00

36,993,000,000.00

29,119,000,000.00

26,000,000,000.00

Total Liab. / Sh. equity

72,106,000,000.00

63,148,000,000.00

56,245,000,000.00

55,000,000,000.00

Sales

64,298,000,000.00

57,428,000,000.00

52,673,000,000.00

47,000,000,000.00

Profit (Loss)

4,317,000,000.00

3,410,000,000.00

3,200,000,000.00

2,400,000,000.00

 

R A T I O

 

Liquidity ratio

1.63

Current assets / Current liabilities

Debt-to-equity ratio

188.88 %

(Shareholders' equity / Current liabilities %)

Profitability margin

6.71 %

(Profits / Sales %)

Working capital

14,007,000,000.00

(Current assets - Current liabilities)

FINANCIAL SITUATION

Taking into account the last Financial Statement submitted and/or other factors analyzed, we believe that financial Situation of the Company is GOOD due to the following considerations:

- Liquidity Ratio is higher or similar than industry average

- Positive working capital allows the Company to comply with payments promptly

- Shareholders' equity covers its current liabilities largely

- Economic and financial results have been satisfactory

- Company's trend is positive

- Shareholders' support is important

 

INSURANCE

COMPANY

AGAINST

AMOUNT

EXPIRATION

MAPFRE CHILE SEGUROS SA

All risk

No specified

Annually

 

 

TRADE REFERENCES, CREDIT BUREAU, LAWSUITS, BANKS

(Confidential Information)

 

TRADE REFERENCES

Several consulted sources coincide that the subject fulfills promptly with its payments. Nothing against it.

Supplier: IPEGRAF S.A.

Tel.: (562) 4509391

Country: CHILE

Goods/Services? : Tea bags

 

 

Highest credit? : DC 80,000,000.=

 

Client since? : 1992

Terms? : 60 days

Performance? : Prompt

Supplier: INDUSTRIA GRAFICA GUERRA

Tel.: (563) 22217371

Country: CHILE

Goods/Services? : Graphic service

 

 

Highest credit? : US$ 15,000.=

 

Client since? : 2002

Terms? : 30 days

Performance? : Prompt

Supplier: TEXTIL LO ESPEJO S.A.

Tel.: (562) 8542409

Country: CHILE

Goods/Services? : Textiles

 

 

Highest credit? : US$ 5,000.=

 

Client since? : 2000

Terms? : 30 days

Performance? : Prompt

Note : Other suppliers did not provide information or could not be consulted

Supplier

Country

MARINETTI S.A.

CHILE

BUSES GONZALEZ

CHILE

BUSES GONZALEZ

CHILE

INDUSTRIA GRAFICA GUERRA

CHILE

CASA FUENTES

ARGENTINA


CREDIT BUREAU COMMENTS

Found no bad.

 

Comments :


-BANCO DE CHILE -BANCO SANTANDER -BANCO BICE In compliance with bank regulations in force, the aforesaid entities declined to provide references about their client.

 

 

GENERAL INFORMATION

 

Explanation about commercial reputation                                                                                                 

                                                                                                                                                                                  

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.13

UK Pound

1

Rs.99.65

Euro

1

Rs.82.91

 

 

INFORMATION DETAILS

 

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.