MIRA INFORM REPORT

 

 

Report Date :

02.05.2014              

 

IDENTIFICATION DETAILS

 

Name :

FRATELLI POGGI S.R.L.

 

 

Registered Office :

Viale Delle Milizie, 114  00192 – Roma (RM)       

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

08.01.2002

 

 

Legal Form :

Limited liability company

 

 

Line of Business :

Wholesale of other building materials

 

 

No. of Employees

From 1 to 5

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

Payment Behaviour :

Slow but correct

Litigation :

Clear

 

NOTES :

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

 

ECGC Country Risk Classification List – March 31, 2014

 

Country Name

Previous Rating

(31.12.2013)

Current Rating

(31.03.2014)

Italy

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderate Low Risk

 

B1

Moderate Risk

 

B2

Moderate High Risk

 

C1

High Risk

 

C2

Very High Risk

 

D

 


 

ITALY ECONOMIC OVERVIEW

 

Italy has a diversified industrial economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, where unemployment is higher. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family-owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but its exceptionally high public debt and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, topping 133% of GDP in 2013, but investor concerns about Italy and the broader euro-zone crisis eased in 2013, bringing down Italy's borrowing costs on sovereign government debt from euro-era. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's long-standing structural impediments to growth, such as labor market inefficiencies and widespread tax evasion. In 2013 economic growth and labor market conditions deteriorated, with growth at -1.8% and unemployment rising to 12.4%, with youth unemployment around 40%. Italy's GDP is now 8% below its 2007 pre-crisis level

 

Source : CIA

 

 

 


Company name and address

 

FRATELLI POGGI S.R.L.

 

 

Viale Delle Milizie, 114  00192 – Roma (RM)       

 

 

Summary

 

Fiscal Code

:

06808131004

Legal Form

:

Limited liability company

start of Activities

:

08/01/2002

Equity

:

80.000

Turnover Range

:

3.000.000/3.750.000

Number of Employees

:

from 1 to 5

 

 

Activity

 

Wholesale of other building materials

 

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 06808131004

 

Municipal Licence : 15 -SUB/AC of since 02/08/2002

 

Chamber of Commerce no. : 991409 of Roma since 20/11/2001

 

V.A.T. Code : 06808131004

 

Establishment date

: 06/11/2001

Start of Activities

: 08/01/2002

Legal duration

: 31/12/2050

Nominal Capital

: 10.000

Subscribed Capital

: 10.000

Paid up Capital

: 10.000

 


 

Members

 

Poggi

Mauro

 

Born in Roma

(RM)

on 23/12/1958

- Fiscal Code : PGGMRA58T23H501E

 

Residence:

Igino Giordani

, 12

- 00019

Tivoli

(RM)

- IT -

 

Position

Since

Shares Amount

% Ownership

Sole Director

03/02/2005

 

No Prejudicial events are reported

 

No Protests registered

 

Barco Marmi S.r.l.

 

 

Position

Since

Shares Amount

% Ownership

Partner

 

No Prejudicial events are reported

 

No Protests registered

 

 

Companies connected to members

 

*checkings have been performed on a national scale.

 

In this module are listed the companies in which members hold or have holded positions.

 

Poggi

Mauro

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

S.c.tr. - Segherie Cave Travertino - Societa A Responsabilita Lim Itata

Roma (RM) - IT -

01721360582

Director

Active

Registered

Ippal - Societa' A Responsabilita' Limitata

Roma (RM) - IT -

08916091005

Manager on duty

Active

Registered

Barco Marmi S.r.l.

Roma (RM) - IT -

09255081003

Sole Director

Active

Registered

Poggi Investimenti S.r.l.

Roma (RM) - IT -

12001411003

Sole Director

Active

Registered

 

The indication "REGISTERED" as Firm Status could refer to Firms in Liquidation, Active, Inactive, etc.

For more information, in this case, we advise to request further investigations.



Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Poggi Mauro

Tivoli - IT -

PGGMRA58T23H501E

3.500 .Eur

35,00

Barco Marmi S.r.l.

09255081003

6.500 .Eur

65,00

 

 

Direct Participations

 

The Company under review has participations in the following Companies:

 

Firm's Style

Seat

Fiscal Code

Owned Shares Amount

% Ownership

since

until

Share Status

Centro Per La Valorizzazione Del Travert ino Romano - Societa A Re Sponsabilita L

Tivoli - IT -

03976271001

347 .Eur

1,28

Active

Consorzio R.o.m.e. Ricerche Operative Pe r Il Marketing E L'export

Roma - IT -

07360510585

Active



Firm's location and structure

 

In order to carry out its activities the firm uses the following locations:

 

-

Legal and operative seat

 

Delle Milizie

, 114

- 00100

- Roma

(RM)

- IT -

 

PHONE

: 0774371366

 

FAX

: 0774371350

 

-

Branch

(Quarry)

since 02/08/2002

 

Le Fosse

- 00012

- Guidonia Montecelio

(RM)

- IT -

 

-

Branch

since 12/07/2010

 

Tiburtina

, 271

- 00019

- Tivoli

(RM)

- IT -

 

Employees

: 3

 

Fittings and Equipment for a value of 260.000

Eur

 

Stocks for a value of 1.410.000

Eur

 

 

Protests

 

Protests checking on the subject firm has given a negative result.

 

 

Data Base Prejudicial Events Search

 

Search performed on a National Scale

 

Prejudicial Events Search Result: NEGATIVE

 

Search performed on a specialized data base.

 

 

Legal Procedures

 

None reported, standing to the latest received edition of the Official Publications.



Financial and Economical Analysis

 

Company's starting of activities dates back to 2002.

Balance sheets for the years 2010, 2011 and 2012 were analyzed.

In the economic management , good and bad results followed on by turns. with a profit (r.o.e. 42,94%) in the last financial year In the last financial year a drop in sales has been registered (-48,32%).

The operating result was positive in the last financial year (3,95%) falling within the field's average.

The amount of the operating result is equal to Eur. 127.019 showing an upward trend more then 100% compared to the previous financial year.

A gross operating margine for a value of Eur. 127.019 was reached. with a more then 100% increase as opposed to the preceding year.

Financial condition is not balanced as own capitals do not cover debts, indebtedness level is in fact high (39,41) which tends downward.

The equity capital is equal to Eur. 79.127 with a growth of 75,24% in 2012.

Total indebtedness amounts to Eur. 3.122.975, , with no sensible variation.

Liquid assets are not adequate to subject's needs.

As far as the cash flow is concerned during the latest financial year it amounted to Eur. 33.977

Subordinate employment cost is of Eur. 180.676, i.e. 4,56% on total production costs. and a 5,67% incidence on sales volumes.

Financial charges have a high incidence (-2,02%) on turnover figures.



Financial Data

 

Complete balance-sheet for the year

31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

3.184.351

Profit (Loss) for the period

33.977

 

Complete balance-sheet for the year

31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

6.162.601

Profit (Loss) for the period

-20.662

 

Complete balance-sheet for the year

31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

6.239.567

Profit (Loss) for the period

-23.605



Balance Sheets

 

From our constant monitoring of the relevant Public Administration offices, no more recent balance sheets result to have been filed.

 

- Balance Sheet as at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2011 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2010 - 12 Mesi - Currency: - Amounts x 1

 

Years

2012

2011

2010

BALANCE SHEET ACCOUNTS

 

ASSETS

CREDITS VS PARTNERS

. Deposits not yet withdrawn

. Deposits already withdrawn

Total credits vs partners

FIXED ASSETS

. INTANGIBLE FIXED ASSETS

. . Start-up and expansion expenses

. . Research,develop. and advert.expens.

. . Industrial patent rights

. . Concessions,licenses,trademarks,etc.

. . Goodwill

. . Assets in formation and advance paymen.

. . Other intangible fixed assets

. Total Intangible Fixed Assets

. TANGIBLE FIXED ASSETS

. . Real estate

. . Plant and machinery

. . Industrial and commercial equipment

. . Other assets

. . Assets under construction and advances

. Total Tangible fixed assets

279.217

. FINANCIAL FIXED ASSETS

. . Equity investments

. . . Equity invest. in subsidiary companies

. . . Equity invest. in associated companies

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

. . Financial receivables

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivab due from subsidiaries

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from assoc.comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from third parties

. . . . Within 12 months

. . . . Beyond 12 months

. . Other securities

. . Own shares

. . . Total nominal value

. Total financial fixed assets

304.271

304.271

304.271

Total fixed assets

304.271

304.271

583.488

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

. . Work in progress and semimanufactured

. . Work in progress on order

. . Finished goods

. . Advance payments

. Total Inventories

1.408.360

608.375

2.270.980

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

647.489

1.059.113

1.155.236

. . Beyond 12 months

850.000

850.000

. . Trade receivables

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from subsid. comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from assoc. comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Fiscal Receivables

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables for anticipated taxes

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from third parties

. . . . Within 12 months

. . . . Beyond 12 months

. Total Credits not held as fixed assets

1.497.489

1.909.113

1.155.236

. FINANCIAL ASSETS

. . Equity invest. in subsidiary comp.

. . Equity invest. in associated companies

. . Equity invest. in holding companies

. . Other equity investments

. . Own shares

. . . Total nominale value

. . Other securities

. Total Financial Assets

. LIQUID FUNDS

. . Bank and post office deposits

. . Checks

. . Banknotes and coins

. Total Liquid funds

4.654

5.674

47.679

Total current assets

2.910.503

2.523.162

3.473.895

ADJUSTMENT ACCOUNTS

. Discount on loans

. Other adjustment accounts

870

5.219

13.342

Total adjustments accounts

870

5.219

13.342

TOTAL ASSETS

3.215.644

2.832.652

4.070.725

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

10.000

10.000

10.000

. Additional paid-in capital

. Revaluation reserves

. Legal reserve

2.000

2.000

2.000

. Reserve for Own shares

. Statute reserves

. Other reserves

15.038

15.040

. Accumulated Profits (Losses)

18.112

38.773

62.378

. Profit( loss) of the year

33.977

-20.662

-23.605

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

79.127

45.151

50.773

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

. . Taxation fund, also differed

. . Other funds

Total Reserves for Risks and Charges

Employee termination indemnities

2.673

ACCOUNTS PAYABLE

. . . . Within 12 months

3.122.975

2.781.396

4.017.872

. . . . Beyond 12 months

. . Bonds

. . . . Within 12 months

. . . . Beyond 12 months

. . Convertible bonds repayable

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to shareholders for financing

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to banks

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to other providers of finance

. . . . Within 12 months

. . . . Beyond 12 months

. . Advances from customers

. . . . Within 12 months

. . . . Beyond 12 months

. . Trade payables

. . . . Within 12 months

. . . . Beyond 12 months

. . Securities issued

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to subsidiary companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to associated companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to holding companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to the tax authorities

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to social security and welfare inst.

. . . . Within 12 months

. . . . Beyond 12 months

. . Other payables

. . . . Within 12 months

. . . . Beyond 12 months

Total accounts payable

3.122.975

2.781.396

4.017.872

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

10.869

6.105

2.080

Total adjustment accounts

10.869

6.105

2.080

TOTAL LIABILITIES

3.215.644

2.832.652

4.070.725

 

MEMORANDUM ACCOUNTS

 

Third party goods

Investment accounts

Risk accounts

Civil and fiscal norms relation

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

. Revenues from sales and services

3.184.351

6.162.600

6.239.567

. Changes in work in progress

799.985

-1.662.605

-1.230.917

. Changes in semi-manufact. products

. Capitalization of internal work

. Other income and revenues

104.407

299.459

244.372

. . Contributions for operating expenses

. . Different income and revenues

104.407

299.459

244.372

Total value of production

4.088.743

4.799.454

5.253.022

PRODUCTION COSTS

. Raw material,other materials and consum.

1.975.732

988.104

1.255.562

. Services received

1.606.976

1.958.634

1.512.014

. Leases and rentals

32.400

660.000

660.000

. Payroll and related costs

180.676

1.066.980

1.310.725

. . Wages and salaries

135.897

762.094

823.745

. . Social security contributions

35.953

258.476

417.105

. . Employee termination indemnities

8.826

46.410

69.875

. . Pension and similar

. . Other costs

. Amortization and depreciation

486

86.913

. . Amortization of intangible fixed assets

. . Amortization of tangible fixed assets

486

86.913

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

. Changes in raw materials

. Provisions to risk reserves

. Other provisions

. Other operating costs

165.940

203.879

319.028

Total production costs

3.961.724

4.878.083

5.144.242

Diff. between value and cost of product.

127.019

-78.629

108.780

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

71

245

3.019

. . Financ.income from receivables

. . . Towards subsidiary companies

. . . Towards associated companies

. . . Towards holding companies

. . . Towards other companies

. . Financ.income from secur. t.f.assets

. . Financ.income from secur. cur.assets

. . Financ.income other than the above

71

245

3.019

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

71

245

3.019

. Interest and other financial expense

-64.393

-57.497

-62.366

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

64.393

57.497

62.366

Total financial income and expense

-64.322

-57.252

-59.347

ADJUSTMENTS TO FINANCIAL ASSETS

. Revaluations

. . Of equity investments

. . Of financ.fixed assets not repres.E.I.

. . Of securities incl.among current assets

. Devaluation

. . Of equity investments

. . Of financial fixed assets (no equity inv)

. . Of securities included among current ass

Total adjustments to financial assets

EXTRAORDINARY INCOME AND EXPENSE

. Extraordinary income

26.001

184.893

9.382

. . Gains on disposals

. . Other extraordinary income

26.001

184.893

9.382

. Extraordinary expense

-9.910

-4.478

-7.007

. . Losses on disposals

. . Taxes relating to prior years

. . Other extraordinary expense

-9.910

-4.478

-7.007

Total extraordinary income and expense

16.091

180.415

2.375

Results before income taxes

78.788

44.534

51.808

. Taxes on current income

44.811

65.196

75.413

. . current taxes

44.811

65.196

75.413

. . differed taxes(anticip.)

. Net income for the period

33.977

-20.662

-23.605

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

33.977

-20.662

-23.605

 

RATIOS

Value Type

as at 31/12/2012

as at 31/12/2011

as at 31/12/2010

Sector Average

COMPOSITION ON INVESTMENT

Rigidity Ratio

Units

0,09

0,11

0,14

0,11

Elasticity Ratio

Units

0,91

0,89

0,85

0,87

Availability of stock

Units

0,44

0,21

0,56

0,22

Total Liquidity Ratio

Units

0,47

0,68

0,30

0,56

Quick Ratio

Units

0,00

0,00

0,01

0,02

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

39,41

61,48

78,19

3,81

Self Financing Ratio

Units

0,02

0,02

0,01

0,17

Capital protection Ratio

Units

0,44

1,24

1,27

0,65

Liabilities consolidation quotient

Units

0,00

n.c.

n.c.

0,12

Financing

Units

39,47

61,60

79,13

4,72

Permanent Indebtedness Ratio

Units

0,03

0,02

0,01

0,30

M/L term Debts Ratio

Units

0,00

n.c.

n.c.

0,07

Net Financial Indebtedness Ratio

Units

n.c.

n.c.

n.c.

1,28

CORRELATION

Fixed assets ratio

Units

0,27

0,15

0,09

2,06

Current ratio

Units

0,93

0,91

0,86

1,16

Acid Test Ratio-Liquidity Ratio

Units

0,48

0,69

0,30

0,84

Structure's primary quotient

Units

0,26

0,15

0,09

1,28

Treasury's primary quotient

Units

0,00

0,00

0,01

0,03

Rate of indebtedness ( Leverage )

%

4063,90

6273,73

8017,50

591,61

Current Capital ( net )

Value

-212.472

-258.234

-543.977

219.071

RETURN

Return on Sales

%

1,07

-0,33

1,01

2,22

Return on Equity - Net- ( R.O.E. )

%

42,94

-45,76

-46,49

6,27

Return on Equity - Gross - ( R.O.E. )

%

99,57

98,63

102,04

15,95

Return on Investment ( R.O.I. )

%

3,95

-2,78

2,67

4,19

Return/ Sales

%

3,99

-1,28

1,74

3,42

Extra Management revenues/charges incid.

%

26,75

n.c.

-21,70

29,26

Cash Flow

Value

33.977

-20.176

63.308

61.669

Operating Profit

Value

127.019

-78.629

108.780

95.558

Gross Operating Margin

Value

127.019

-78.143

195.693

144.934

MANAGEMENT

Credits to clients average term

Days

n.c.

n.c.

n.c.

120,94

Debts to suppliers average term

Days

n.c.

n.c.

n.c.

120,04

Average stock waiting period

Days

159,22

35,54

131,03

61,92

Rate of capital employed return ( Turnover )

Units

0,99

2,18

1,53

1,27

Rate of stock return

Units

2,26

10,13

2,75

5,74

Labour cost incidence

%

5,67

17,31

21,01

7,77

Net financial revenues/ charges incidence

%

-2,02

-0,93

-0,95

-1,26

Labour cost on purchasing expenses

%

4,56

21,87

25,48

7,90

Short-term financing charges

%

2,06

2,07

1,55

2,67

Capital on hand

%

100,98

45,97

65,24

78,39

Sales pro employee

Value

636.870

186.745

155.989

437.713

Labour cost pro employee

Value

36.135

32.332

32.768

33.928

 

 

Remarks

 

1) Protests checking (relative to the last five years) performed by crossing and matching the members names and the Firm's Style with the reported addresses, is supplied by the Informatic Registry managed by the Italian Chamber of Commerce. If the fiscal code is not indicated, the eventual homonymous cases are submitted to expert staff evaluation in order to limit wrong matching risks.

 

2) The Legal Data, supplied and retrived from the Firm's Registry of the Italian Chamber of Commerce, are in line with the last registered modifications.

 

3) Risk evaluation and Credit Opinion have been performed on the base of the actual data at the moment of their availability.

 

 

Market / Territory Data

 

Population living in the province

:

3.807.992

Population living in the region

:

5.269.972

Number of families in the region

:

2.091.220

 

Monthly family expences average in the region (in Eur..) :

 

- per food products

:

472

- per non food products

:

1.832

- per energy consume

:

102

 

 

Sector Data

 

The values are calculated on a base of 6.137 significant companies.

 

The companies cash their credits on an average of 121 dd.

The average duration of suppliers debts is about 120 dd.

The sector's profitability is on an average of 2,22%.

The labour cost affects the turnover in the measure of 7,77%.

Goods are held in stock in a range of 62 dd.

The difference between the sales volume and the resources used to realize it is about 1,27.

The employees costs represent the 7,90% of the production costs.

 

 

Statistical Detrimental Data

 

Statistcally the trade activity shows periods of crisis.

The area is statistically considered moderately risky.

In the region 53.924 protested subjects are found; in the province they count to 34.465.

The insolvency index for the region is 1,04, , while for the province it is 0,92.

Total Bankrupt companies in the province : 31.914.

Total Bankrupt companies in the region : 37.442.

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.34

UK Pound

1

Rs.101.45

Euro

1

Rs.83.31

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

NIS

 

               

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

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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.