MIRA INFORM REPORT

 

 

Report Date :

17.05.2014

 

IDENTIFICATION DETAILS

 

Name :

AMEROPA ASIA PTE. LTD.

 

 

Registered Office :

1, Temasek Avenue, 31- 02, Millenia Tower, 039192

 

 

Country :

Singapore

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

27.11.2007

 

 

Com. Reg. No.:

200721966-H

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Trading of Grain and Fertilizer

 

 

No. of Employees :

25 [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

Moderately Low Risk

 

B1

Moderate Risk

 

B2

Moderately 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

 

 

 

 


EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

200721966-H

COMPANY NAME

:

AMEROPA ASIA PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

27/11/2007

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

1, TEMASEK AVENUE, 31- 02, MILLENIA TOWER, 039192, SINGAPORE.

BUSINESS ADDRESS

:

MILLENIA TOWER, 31-02 ONE TEMASEK AVENUE, 039192, SINGAPORE.

TEL.NO.

:

65-64990800

FAX.NO.

:

65-63342339

WEB SITE

:

WWW.AMEROPA.COM

CONTACT PERSON

:

ALEXANDER SERGE CHUMAKOV ( MANAGING DIRECTOR )

PRINCIPAL ACTIVITY

:

TRADING OF GRAIN AND FERTILIZER

ISSUED AND PAID UP CAPITAL

:

31,354,500.00 ORDINARY SHARE, OF A VALUE OF SGD 31,354,500.00
15,000,000.00 ORDINARY SHARE, OF A VALUE OF USD 15,000,000.00

SALES

:

USD 925,309,341 [2013]

NET WORTH

:

USD 50,883,643 [2013]

STAFF STRENGTH

:

25 [2014]

BANKER (S)

:

THE HONGKONG & SHANGHAI BANKING CORPORATION LIMITED
STANDARD CHARTERED BANK LIMITED

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

STRONG

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 grain and fertilizer.

 

The immediate and ultimate holding company of the Subject is AMEROPA HOLDING AG, a company incorporated in SWITZERLAND.

 

Share Capital History

Date

Issue & Paid Up Capital

08/05/2014

SGD 31,354,500.00 & USD 15,000,000.00

 

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

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

AMEROPA HOLDING AG

REBGASSE 108, CH-4102, BINNINGEN, SWITZERLAND.

T07UF3665L

46,354,500.00

100.00

 

 

 

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

------

 

 

 

46,354,500.00

100.00

 

 

 

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

=====

+ Also Director



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

TEO CHIN KEE

Address

:

244, LORONG CHUAN, 07-06, CHUAN PARK, 556745, SINGAPORE.

IC / PP No

:

S2622115C

 

 

 

 

 

 

 

 

 

Nationality

:

SINGAPOREAN

Date of Appointment

:

27/11/2007

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

JAN KADANIK

Address

:

ROTTMANNSBODENSTRASSE 105, CH-4102, BINNINGEN, SWITZERLAND.

IC / PP No

:

39052832

 

 

 

 

 

 

 

 

 

Nationality

:

CZECH

Date of Appointment

:

04/05/2012

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

ALEXANDER SERGE CHUMAKOV

Address

:

46, CORONATION ROAD WEST, 04-04, ASTRID MEADOWS, 269262, SINGAPORE.

IC / PP No

:

F1810261R

 

 

 

 

 

 

 

 

 

Nationality

:

AMERICAN

Date of Appointment

:

01/04/2008

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 4

 

Name Of Subject

:

ANDREW HENRY ZIVY

Address

:

BUNDTENWEG 78, CH-4102, BINNINGEN, SWITZERLAND.

IC / PP No

:

F2435893

 

 

 

 

 

 

 

 

 

Nationality

:

SWISS

Date of Appointment

:

27/11/2007

 

 

 

 

 

 

 

 

 

 

 

 



MANAGEMENT

 

 

 

1)

Name of Subject

:

ALEXANDER SERGE CHUMAKOV

 

Position

:

MANAGING DIRECTOR

 

 

AUDITOR

 

Auditor

:

ERNST & YOUNG LLP

Auditor' Address

:

N/A

 

 

 

 


COMPANY SECRETARIES

 

1)

Company Secretary

:

CHAN CHOW PHENG

 

IC / PP No

:

S1298885J

 

 

 

 

 

Address

:

59, TELOK BLANGAH HEIGHTS, 04-11, 100059, SINGAPORE.

 

 

 

 

 

 

 

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

THE HONGKONG & SHANGHAI BANKING CORPORATION LIMITED

 

 

 

 

 

 

 

 

 

2)

Name

:

STANDARD CHARTERED BANK LIMITED

 

 

 

 

 

 

 

 

 

 

 

 

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

 

 

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

:

AS AGREED

 

 

 

 

 

 

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATIONS

 

Goods Traded

:

GRAIN AND FERTILIZER

 

 

 

 

 

Total Number of Employees:

 

YEAR

2014

2013

2012

 

 

 

 

 

 

 

GROUP

N/A

N/A

N/A

 

 

 

 

 

 

COMPANY

25

13

13

 

 

 

 

 

 

 

Branch

:

NO

 

Other Information:


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

The Subject sells the followings:

* Grains and oilseeds
* Fertilizers
* Other commodities

The Subject sells the products according to its customers' orders.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

022-61713170

Current Telephone Number

:

65-64990800

Match

:

NO

 

 

 

Address Provided by Client

:

7 TEMASEK BOULEVARD # 26-03, SUNTEC TOWER ONE SINGAPORE 038987

Current Address

:

MILLENIA TOWER, 31-02 ONE TEMASEK AVENUE, 039192, SINGAPORE.

Match

:

NO

 

 

 

 

Other Investigations


On 12th May 2014 we contacted one of the staff from the Subject and she provided some information.


The Subject is not aware of the address provided.



FINANCIAL ANALYSIS

 

 

Profitability

 

 

 

 

 

 

Turnover

:

Increased

[

2010 - 2013

]

 

Profit/(Loss) Before Tax

:

Increased

[

2010 - 2013

]

 

Return on Shareholder Funds

:

Acceptable

[

10.32%

]

 

Return on Net Assets

:

Acceptable

[

11.39%

]

 

 

 

 

 

 

 

 

The Subject's turnover increased steadily as the demand for its products / services increased due to the goodwill built up over the years.The Subject's management have been efficient in controlling its operating costs. The Subject's management had generated acceptable return for its shareholders using its assets.

 

 

 

 

 

 

 

Working Capital Control

 

 

 

 

 

 

Stock Ratio

:

Favourable

[

2 Days

]

 

Debtor Ratio

:

Favourable

[

20 Days

]

 

Creditors Ratio

:

Favourable

[

10 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

[

2.66 Times

]

 

Current Ratio

:

Favourable

[

2.81 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

:

Nil

[

0.00 Times

]

 

Gearing Ratio

:

Favourable

[

0.00 Times

]

 

 

 

 

 

 

 

 

The Subject's interest cover was nil as it did not pay any interest during the year. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those 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 did not make any interest payment during the year. The Subject was dependent on its shareholders' funds to finance its business needs. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

 

 

 

 

 

 

 

Overall financial condition of the Subject : STRONG

 

 

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)

 

 

 

 

 



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 2007, the Subject is a Private Limited company, focusing on trading of grain and fertilizer. Having been in business for 7 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. The Subject is a large entity with strong capital position. We are confident with the Subject's business and its future growth prospect.


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. The Subject's business operation is supported by 25 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. Return on shareholders' funds of the Subject was at an acceptable range 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 zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at USD 50,883,643, 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.

 

Financial Year End

2013-12-31

2012-12-31

2011-12-31

2010-12-31

Months

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

Currency

USD

USD

USD

SGD

 

 

 

 

 

TURNOVER

925,309,341

782,153,532

2,731,207

194,371

Other Income

405

94,633

1,053,176

-

 

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

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

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

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

Total Turnover

925,309,746

782,248,165

3,784,383

194,371

Costs of Goods Sold

(910,460,930)

(768,136,600)

(2,368,659)

-

 

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

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

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

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

Gross Profit

14,848,816

14,111,565

1,415,724

-

 

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

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

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

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

 

 

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

5,797,874

5,330,555

1,407,412

194,371

 

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

5,797,874

5,330,555

1,407,412

194,371

Taxation

(544,508)

(515,089)

(57,671)

(16,211)

 

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

5,253,366

4,815,466

1,349,741

178,160

 

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

 

 

As previously reported

6,498,437

1,682,971

333,230

254,806

 

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

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

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

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

As restated

6,498,437

1,682,971

333,230

254,806

 

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

11,751,803

6,498,437

1,682,971

432,966

 

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

11,751,803

6,498,437

1,682,971

432,966

 

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

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

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

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

 

 

 

 

 

 

 

BALANCE SHEET

 

 

 

ASSETS EMPLOYED:

 

 

 

 

FIXED ASSETS

182,379

298,761

20,771

54,065

 

 

 

 

 

 

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

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

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

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

TOTAL LONG TERM ASSETS

182,379

298,761

20,771

54,065

 

 

 

 

 

Stocks

4,259,373

2,212,546

360,246

-

Trade debtors

51,442,718

22,345,902

2,556,013

-

Other debtors, deposits & prepayments

239,375

225,252

722,657

189,763

Short term deposits

4,000,000

-

22,500,000

-

Amount due from related companies

1,835,940

2,427,066

281,579

580,156

Cash & bank balances

13,551,122

33,732,472

1,820,326

392,218

Others

3,392,139

1,002,445

95,380

144,303

 

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

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

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

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

TOTAL CURRENT ASSETS

78,720,667

61,945,683

28,336,201

1,306,440

 

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

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

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

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

TOTAL ASSET

78,903,046

62,244,444

28,356,972

1,360,505

 

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

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

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

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

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

Trade creditors

24,511,927

13,669,786

1,600,846

-

Other creditors & accruals

2,816,275

2,349,721

867,867

673,943

Amounts owing to related companies

116,201

38,262

-

-

Provision for taxation

520,000

526,398

57,671

16,096

Other liabilities

55,000

30,000

15,777

20,500

 

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

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

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

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

TOTAL CURRENT LIABILITIES

28,019,403

16,614,167

2,542,161

710,539

 

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

50,701,264

45,331,516

25,794,040

595,901

 

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

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

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

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

TOTAL NET ASSETS

50,883,643

45,630,277

25,814,811

649,966

 

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

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

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

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

 

 

 

 

 

SHARE CAPITAL

 

 

 

 

Ordinary share capital

39,131,840

39,131,840

24,131,840

217,000

 

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

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

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

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

TOTAL SHARE CAPITAL

39,131,840

39,131,840

24,131,840

217,000

 

 

 

 

 

Retained profit/(loss) carried forward

11,751,803

6,498,437

1,682,971

432,966

 

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

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

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

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

TOTAL RESERVES

11,751,803

6,498,437

1,682,971

432,966

 

 

 

 

 

 

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

50,883,643

45,630,277

25,814,811

649,966

 

 

 

 

 

 

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

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

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

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

 

50,883,643

45,630,277

25,814,811

649,966

 

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

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

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

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

 

 

 

 

 

 

 


FINANCIAL RATIO

 

 

TYPES OF FUNDS

 

 

 

 

Cash

17,551,122

33,732,472

24,320,326

392,218

Net Liquid Funds

17,551,122

33,732,472

24,320,326

392,218

Net Liquid Assets

46,441,891

43,118,970

25,433,794

595,901

Net Current Assets/(Liabilities)

50,701,264

45,331,516

25,794,040

595,901

Net Tangible Assets

50,883,643

45,630,277

25,814,811

649,966

Net Monetary Assets

46,441,891

43,118,970

25,433,794

595,901

BALANCE SHEET ITEMS

 

 

 

 

Total Borrowings

0

0

0

0

Total Liabilities

28,019,403

16,614,167

2,542,161

710,539

Total Assets

78,903,046

62,244,444

28,356,972

1,360,505

Net Assets

50,883,643

45,630,277

25,814,811

649,966

Net Assets Backing

50,883,643

45,630,277

25,814,811

649,966

Shareholders' Funds

50,883,643

45,630,277

25,814,811

649,966

Total Share Capital

39,131,840

39,131,840

24,131,840

217,000

Total Reserves

11,751,803

6,498,437

1,682,971

432,966

LIQUIDITY (Times)

 

 

 

 

Cash Ratio

0.63

2.03

9.57

0.55

Liquid Ratio

2.66

3.60

11.00

1.84

Current Ratio

2.81

3.73

11.15

1.84

WORKING CAPITAL CONTROL (Days)

 

 

 

 

Stock Ratio

2

1

48

0

Debtors Ratio

20

10

342

0

Creditors Ratio

10

6

247

0

SOLVENCY RATIOS (Times)

 

 

 

 

Gearing Ratio

0.00

0.00

0.00

0.00

Liabilities Ratio

0.55

0.36

0.10

1.09

Times Interest Earned Ratio

0.00

0.00

0.00

0.00

Assets Backing Ratio

1.30

1.17

1.07

3.00

PERFORMANCE RATIO (%)

 

 

 

 

Operating Profit Margin

0.63

0.68

51.53

100.00

Net Profit Margin

0.57

0.62

49.42

91.66

Return On Net Assets

11.39

11.68

5.45

29.90

Return On Capital Employed

11.39

11.68

5.45

29.90

Return On Shareholders' Funds/Equity

10.32

10.55

5.23

27.41

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

0.00

NOTES TO ACCOUNTS

 

 

 

 

Contingent Liabilities

0

0

0

0

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.58.86

UK Pound

1

Rs.98.82

Euro

1

Rs.80.72

 

INFORMATION DETAILS

 

Analysis Done by :

SUM

 

 

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.