MIRA INFORM REPORT

 

 

Report Date :

14.05.2014

 

IDENTIFICATION DETAILS

 

Name :

MIBA FRICTEC GMBH

 

 

Registered Office :

Peter Mitterbauerstraße  1, A-4661 Roitham

 

 

Country :

Austria

 

 

Financials (as on) :

31.01.2013

 

 

Date of Incorporation :

1995

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Manufacture of other parts and accessories for motor vehicles

 

 

No. of Employees :

330 (approx.)

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Status :

Satisfactory

Payment Behaviour :

No complaints

Litigation :

Clear

 

NOTES :

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

 

 

ECGC Country Risk Classification List – March 31, 2014

 

Country Name

Previous Rating

(31.12.2013)

Current Rating

(31.03.2014)

Austria

A2

A2

 

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

 

 

AUSTRIA - ECONOMIC OVERVIEW

 

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

 

Source : CIA


Basic company information

 

Last up-date:

2014-05-13

Company name:

MIBA FRICTEC GMBH

Status:

active company

Locations:

Peter Mitterbauerstraße  1, A-4661 Roitham

Phone:

0043 (7613) 9020

Fax:

0043 (7613) 9020 - 4190

E-mail:

frictiongroup@miba.com

Internet:

http://www.miba.com

Activities:

Önace 29320 100% Manufacture of other parts and accessories for motor vehicles

 

General Assessment:

Model: CompanyScore

Probability of Default (Basel II):

0,05%

Very low risk

comparison:

The Rating of this company is better than industry average.

Recommendation:

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

 

 

Additional company information

 

 

 

 

Year of incorporation:

1995

 

Activities:

 

 

Type of company:

Manufacturing

 

Legal form:

limited liability company since 1995-10-16

 

companies' house number:

FN 138519 f Wels 1995-10-20

 

Trade names:

frictiongroup

 

ARA-number:

5695

 

VAT number:

ATU 47550500

 

number - Austrian National Bank:

2628384

 

 

 

 

Import 

Country 

 

 

 

Import

world-wide

 

2014

 

 

 

Export 

Country 

 

 

 

Export

world-wide

 

2014

 

 


Financial data

 

total turnover (total sales)

2013

EUR  78.100.000,00

(approx.)

total turnover (total sales)

2012

EUR  78.089.189,80

(exact)

total turnover (total sales)

2011

EUR  71.314.897,78

(exact)

total turnover (total sales)

2010

EUR  52.177.576,73

(exact)

total turnover (total sales)

2009

EUR  39.344.766,39

(exact)

turnover (sales) - including subsidiaries

2012

EUR  136.100.000,00

(exact)

turnover (sales) - including subsidiaries

2011

EUR  124.100.000,00

(exact)

turnover (sales) - including subsidiaries

2010

EUR  74.900.000,00

(exact)

turnover (sales) - including subsidiaries

2009

EUR  51.100.000,00

(exact)

total employees

2014

330

(approx.)

total stock

2014

EUR  8.000.000,00

(average)

total investments

2012

EUR  1.154.716,38

(exact)

total company vehicles

2014

15

(approx.)

leasing vehicles

2014

15

(approx.)

 

 

Extraxt from the Companies' House

 

firm (style):

   18      Miba Frictec GmbH

legal form:

    1      Gesellschaft mit beschränkter Haftung

registered office:

    1      politischer Gemeinde Laakirchen

business adress:

    1      Dr.-Mitterbauer-Straße 3
           4663 Laakirchen

capital:

   17      EUR 40.000

reference date annual accounts:

    1      31. Jänner

annual accounts:

   42      zum 31.01.2013 eingereicht am 10.07.2013

power of representation:

    1      Die Gesellschaft wird, wenn mehrere Geschäftsführer
           bestellt sind, durch zwei Geschäftsführer gemeinsam oder
           durch einen von ihnen gemeinsam mit einem Prokuristen
           vertreten, soferne die Generalversammlung nicht einzelnen
           Geschäftsführern selbständige Vertretungsbefugnis erteilt.
    1   Gesellschaftsvertrag  vom 16.10.1995                                001
    8   Übernahme des Vermögens der                                         003
          Miba Frictec GmbH & Co.KG.
          (FN 138960 d)
          gemäß § 142 HGB.
   17   Gesellschaftsvertrag mit Generalversammlungsbeschluss               004
          vom 12.06.2002
          gemäß 1. Euro-JuBeG angepasst.
   18   Generalversammlungsbeschluss  vom 09.10.2002                        007
          Neufassung der Gesellschaftsvertrages

proxy:

         H   Ing. Walter Heher, geb. 06.08.1953
    9        vertritt seit 16.09.1999 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         P   Mag. Bernhard Reisner, geb. 09.07.1973
   23        vertritt seit 01.11.2005 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         U   Dipl.-Ing. Falk Nickel, geb. 27.02.1970
   35        vertritt seit 17.02.2011 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen
         V   MMag. Markus Hofer, geb. 26.09.1971
   37        vertritt seit 01.08.2011 gemeinsam mit
             einem Geschäftsführer oder einem weiteren Prokuristen

managing director:

         T   Dipl.-Ing. (FH) Torsten Endres, geb. 15.04.1963
   35        vertritt seit 17.02.2011 selbständig

shareholder:

         S   Miba Friction Holding GmbH
   29        .....................    EUR 40.000
   29        ................................................    EUR 40.000
                          ------------------------------------------------------
                   Summen:            EUR 40.000                 EUR 40.000

general table:

 Landesgericht Wels
   1 eingetragen am 20.10.1995                  Geschäftsfall  27 Fr  5178/95 d
       Antrag auf Neueintragung einer Firma  eingelangt am 18.10.1995
   8 eingetragen am 16.09.1999                  Geschäftsfall  29 Fr  2936/99 g
       Antrag auf Änderung  eingelangt am 03.09.1999
   9 eingetragen am 25.09.1999                  Geschäftsfall  29 Fr  3076/99 m
       Antrag auf Änderung  eingelangt am 24.09.1999
  17 eingetragen am 25.06.2002                  Geschäftsfall  29 Fr  2043/02 m
       Antrag auf Änderung  eingelangt am 17.06.2002
  18 eingetragen am 12.10.2002                  Geschäftsfall  29 Fr  3292/02 z
       Antrag auf Änderung  eingelangt am 11.10.2002
  23 eingetragen am 09.11.2005                  Geschäftsfall  29 Fr  4467/05 d
       Antrag auf Änderung  eingelangt am 02.11.2005
  29 eingetragen am 11.01.2008                  Geschäftsfall  29 Fr  6127/07 m
       Antrag auf Änderung  eingelangt am 27.12.2007
  35 eingetragen am 22.02.2011                  Geschäftsfall  29 Fr   458/11 k
       Antrag auf Änderung  eingelangt am 18.02.2011
  37 eingetragen am 14.09.2011                  Geschäftsfall  29 Fr  3482/11 h
       Antrag auf Änderung  eingelangt am 07.09.2011
  40 eingetragen am 02.03.2013                  Geschäftsfall  29 Fr   325/13 h
       Antrag auf Änderung  eingelangt am 28.02.2013
  41 eingetragen am 06.03.2013                  Geschäftsfall  29 Fr   368/13 x
       amtswegige Berichtigung
  42 eingetragen am 01.08.2013                  Geschäftsfall  29 Fr  1511/13 b
       Elektronische Einreichung Jahresabschluss  eingelangt am 10.07.2013

 

 

Real estate

 

Real estate text:

No real estate property registered

 

 

Private data

 

 

Surname

 

 

Date of birth

 

 

Address

 

 

Executive positions

 

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

Dipl.-Ing.(FH)  Torsten Endres

1963-04-15 

 

4810 Gmunden Schlagenstraße 16

manager

 

0

 

Ing.  Walter Heher

 

1953-08-06 

 

4710 Grieskirchen Waldstraße 13

joint signing clerk

 

0

 

MMag.  Markus Hofer

1971-09-26 

5310 St. Lorenz Wagnermühle 59

joint signing clerk

16

Dipl-Ing.  Falk Nickel

 

1970-02-27 

 

4810 Gmunden Theresienthalstraße 52

joint signing clerk

 

1

 

Mag.  Bernhard Reisner

 

1973-07-09 

 

4641 Steinhaus Wels Hauptstraße 56

joint signing clerk

 

11

 

Ing.  Friedrich Pesendorfer

1962-07-10 

 

4814 Neukirchen Dambach 3

 

head of purchasing

 

0

 

Johann Helmer

 

  

 

4663 Laakirchen Dr. Mitterbauerstraße 3(c/o)

head of EDP

 

0

 

Dipl-Ing.Dr.  Klaus Dieter Löcker

1960-03-25 

 

4813 Altmünster Leisterstraße 58

technical director

 

1

 

 

 

Balance Sheet 

 

(absolute) all amounts in EUR 

 

2013-01-31 

 

 

 

 

Other intangible assets

2.211.105,00

 

 

 

 

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

470.148,00

 

 

 

 

Sum intangible assets

2.681.253,00

 

 

 

 

 

Land without buildings

748.240,00

 

 

 

 

Other operating and business equipment

468.812,00

 

 

 

 

Technical plants and machines

9.211.541,00

 

 

 

 

Advanced payments and constructions in progress

332.052,10

 

 

 

 

Sum tangible assets

10.760.645,10

 

 

 

 

 

Shares on related firms

14.669,75

 

 

 

 

Sum financial assets

14.669,75

 

 

 

 

 

Sum fixed assets

13.456.567,85

 

 

 

 

 

Raw-, auxiliary materials and supplies

2.415.519,18

 

 

 

 

Unfinished products

2.634.543,90

 

 

 

 

Finished products

2.845.119,81

 

 

 

 

Sum stock

7.895.182,89

 

 

 

 

 

Claims from delivered goods and performed services

11.716.277,89

 

 

 

 

Claims against related firmes Claims against companies with shareholding relationship

12.541.649,49

 

 

 

 

Special account claims

3.098.374,55

 

 

 

 

Sum claims

27.356.301,93

 

 

 

 

 

Cash on hand, cheques and bank deposits

3.825.943,12

 

 

 

 

Sum cash and bank

3.825.943,12

 

 

 

 

 

Sum current assets

39.077.427,94

 

 

 

 

 

Deferred charges

4.599,04

 

 

 

 

Sum deferred charges

4.599,04

 

 

 

 

Assets

52.538.594,83

 

 

 

 

 

Subscribed/declared capital

40.000,00

 

 

 

 

Capital reserves

8.700.000,00

 

 

 

 

Legal reserves

4.000,00

 

 

 

 

Balance sheet profit/balance sheet loss

4.961.094,76

 

 

 

 

Thereof profit/loss carried forward

1.142.602,73

 

 

 

 

Sum equity capital

13.705.094,76

 

 

 

 

 

Valuation reserves and other reserves before taxes

448.356,48

 

 

 

 

Sum reserves before taxes

448.356,48

 

 

 

 

 

Investment contributions

39.714,00

 

 

 

 

Sum floor capital

39.714,00

 

 

 

 

 

Reserves for severance pays

2.760.754,00

 

 

 

 

Other reserves

4.064.641,78

 

 

 

 

Sum reserves

6.825.395,78

 

 

 

 

 

Liabilities against credit institutes

9.910.433,38

 

 

 

 

Liabilities from delivered goods and performed services

3.599.658,61

 

 

 

 

Liabilities against related firms

16.655.858,19

 

 

 

 

Other liabilities

1.354.083,63

 

 

 

 

Sum liabilities

31.520.033,81

 

 

 

 

 

Liabilities

52.538.594,83

 

 

 

 

 

Balance sheet sum

52.538.594,83

 

 

 

 

 

 

P / L Account 

 

(absolute) all amounts in EUR 

 

2013-01-31 

 

 

 

 

Gross sales 

78.089.189,80

 

 

 

 

Increase or decrease in finished and unfinished goods and in service claims 

-277.699,20

 

 

 

 

Other manufacturing costs capitalized 

16.002,17

 

 

 

 

Total turnover or gross profit 

77.827.492,77

 

 

 

 

 

Profits from retirement of fixed assets, except financial assets 

834,17

 

 

 

 

Income from dissolution of reserves 

68.445,87

 

 

 

 

Other operating profits 

2.299.048,56

 

 

 

 

Other operating profits totally 

2.368.328,60

 

 

 

 

 

Costs for obtained services 

-4.429.875,96

 

 

 

 

Material costs 

-37.697.769,93

 

 

 

 

Costs for obtained services totally 

-42.127.645,89

 

 

 

 

 

Wages 

-8.693.597,85

 

 

 

 

Salaries 

-5.505.939,33

 

 

 

 

Costs for severance pays 

-915.533,98

 

 

 

 

Legal fringe benefits and other payments depending on salaries 

-3.899.579,74

 

 

 

 

Other social fringe benefits 

-119.172,12

 

 

 

 

Personnel expenses totally 

-19.133.823,02

 

 

 

 

 

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

-2.485.903,52

 

 

 

 

Depreciation tangible assets / intangible assets totally 

-2.485.903,52

 

 

 

 

 

Other operating costs 

-11.090.556,84

 

 

 

 

Other taxes 

-36.407,93

 

 

 

 

Total costs 

-11.126.964,77

 

 

 

 

 

Operating result totally 

5.321.484,17

 

 

 

 

 

Interest income, securties income and similar income 

391.636,06

 

 

 

 

Interest and similar disbursements 

-601.833,14

 

 

 

 

Financial profits totally 

-210.197,08

 

 

 

 

 

Results from usual business activity totally 

5.111.287,09

 

 

 

 

 

Taxes on income and profits 

-1.292.876,00

 

 

 

 

Taxes on income and profits totally 

-1.292.876,00

 

 

 

 

Annual surplus/annual deficit totally 

3.818.411,09

 

 

 

 

 

Dissolution reserves before taxes 

80,94

 

 

 

 

Reserves movements totally 

80,94

 

 

 

 

Annual profit/annual loss totally 

3.818.492,03

 

 

 

 

 

Profit and loss carried forward from previous year 

1.142.602,73

 

 

 

 

Transfer of profits totally 

1.142.602,73

 

 

 

 

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

4.961.094,76

 

 

 

 

 

 

Key ratios

 

 

2013  

 

 

 

 

 

Cash flow II

  6.304.314,61

 

 

 

 

 

Debt amortisation period

  5,47

 

 

 

 

 

Bank indebtedness

  18,86

 

 

 

 

 

Equity capital share

  27,01

 

 

 

 

 

Social capital share

  5,25

 

 

 

 

 

Fixed assets coverage

  125,98

 

 

 

 

 

Net profit ratio

  6,56

 

 

 

 

 

Capital turnover

  1,48

 

 

 

 

 

Return on investment

  10,87

 

 

 

 

 

Cash flow in % of operating performance

  8,10

 

 

 

 

 

Cash flow I

  7.597.190,61

 

 

 

 

 

Gross productivity

  4,06

 

 

 

 

 

Net productivity

  1,86

 

 

 

 

 

Operating performance

  77.827.492,77

 

 

 

 

 

Inventories in % of operating performance

  10,14

 

 

 

 

 

Gross profit

  35.699.846,88

 

 

 

 

 

 


Locations

 

Type

Locations

Description

 

 

E-mail 

operational 

Dr.-Mitterbauer-Straße  3, A-4663 Laakirchen

registered office 

 

 

 

operational 

Peter Mitterbauerstraße  1, A-4661 Roitham, (seit Mitte November 2003)

registered headquarters, rented premises 

 

 

frictiongroup@miba.com

operational 

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

group headquarters, rented premises 

 

 

 

former 

Dr. Mitterbauerstraße  1, A-4655 Vorchdorf

registered headquarters 

 

 

 

 

 

related companies

 

Company name

 

Postal code

 

Stake in %

 

 

Companies House

 

Shares in this company are held by:

Miba Friction Holding GmbH

 

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

100 % 2008-01-11

 

 

FN 300567 k

 

 

Affiliated companies and further participations:

Mitterbauer Beteiligungs - Aktiengesellschaft

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 105810 d

 

Miba Automation Systems Ges.m.b.H.

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 109139 z

 

Miba Gleitlager GmbH

 

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 104741 g

 

Miba Kantinen GmbH

 

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 104315 f

 

Miba Aktiengesellschaft

 

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 107386 x

 

Miba Sinter Austria GmbH

 

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 109299 i

 

Miba Sinter Holding GmbH & Co KG

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 254779 a

 

High Tech Coatings GmbH

 

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 262064 p

 

Miba China Holding GmbH

 

Dr. Mitterbauerstraße  3, A-4663 Laakirchen

 

 

 

FN 264506 f

 

 

 

Bankers

 

 

 

Banker

Bank sort code

Type of banking connection

UniCredit Bank Austria AG, 4021 Linz/Donau

 

11000

 

main bank connection

 

Erste Bank der oesterreichischen Sparkassen AG, 1011 Wien

 

20111

 

main bank connection

 

Oberbank AG, 4663 Laakirchen

 

15000

 

secondary banking connection

 

 

 

Historical development

 

Year of incorporation:

1995

Date of registration:

1995-10-20

 

Change of company name:

From

To

Company name

   

  2002-10-14

Miba Frictec GmbH. 

  2002-10-14

   

Miba Frictec GmbH 

 

Change in share capital:

From

To

Capital

   

  2002-06-25

ATS  500.000,00

  2002-06-25

   

EUR  40.000,00

 

Former executives:

From

To

Function

Name

  2000-05-20

  2002-05-08

joint signing clerk 

Mag. Kurt König 

  2004-11-30

  2005-11-09

joint signing clerk 

Dr. Gabriele Moser 

  2000-04-19

  2007-10-19

joint signing clerk 

Ing. Friedrich Pesendorfer 

  2002-10-12

  2007-10-19

joint signing clerk 

Mag. Christoph Sandner 

  1997-01-16

  2008-02-23

joint signing clerk 

Siegfried Dapoz 

  1999-09-25

  2010-08-24

joint signing clerk 

Ing. Alfons Mairhofer 

  2007-07-04

  2011-09-14

joint signing clerk 

Mag. Hannes Moser 

   

  1997-01-16

manager 

Siegfried Dapoz 

  1997-01-16

  1998-03-13

manager 

Bernd Werkhausen 

  1998-03-13

  2008-01-11

manager 

Ing. Alfred Hörtenhuber 

  1997-01-16

  2008-01-11

manager 

Dipl-Ing.Dr. Klaus Dieter Löcker 

  2008-01-11

  2012-05-19

manager 

Dipl-Ing. Bernhard Dichtl 

  1999-09-25

  2000-04-19

joint signing clerk 

Ing. Herbert Grohmann 

  1999-09-25

  2000-05-09

joint signing clerk 

Mag. Michael Schütze 

 

Former shareholders:

From

To

Function

Name

  1995-11-03

  1998-12-15

partner 

Miba Gleitlager GmbH 

  1998-12-15

  2008-01-11

partner 

Miba Aktiengesellschaft 

 

Former shareholdings:

From

To

Name

  2001-11-21

  2008-01-19

Miba Frictec Beteiligungs- GmbH 

  1997-01-23

  1999-09-16

Miba Frictec GmbH & Co.KG. 

 

Mergers:

Date

Function

Name

  2000-12-04

merged with 

Miba Frictec GmbH & Co.KG. 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.88

UK Pound

1

Rs.100.98

Euro

1

Rs.82.40

 

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

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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.