MIRA INFORM REPORT

 

 

Report Date :

26.05.2014

 

IDENTIFICATION DETAILS

 

Name :

TRANSMATIC SRL

 

 

Registered Office :

Via Volta, 10 20017 – Rho (MI) – IT -

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

21.01.1984

 

 

Legal Form :

Limited liability company

 

 

Line of Business :

Manufacture of Machinery and Equipment N.E.C.

 

 

No. of Employees

36 to 50

 

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 :

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

Moderately Low Risk

 

B1

Moderate Risk

 

B2

Moderately  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

 

Transmatic Srl

 

Via

Volta,

10

 

20017

- Rho

(MI)

-IT-

 

 

Summary

 

Fiscal Code

:

07282310155

Legal Form

:

Limited liability company

Foundation Date

:

01/01/1984

Equity

:

500.000

Turnover Range

:

5.000.000/6.500.000

Number of Employees

:

from 36 to 50

 

 

Activity

 

MANUFACTURE OF MACHINERY AND EQUIPMENT N.E.C.

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 07282310155

 

Chamber of Commerce no. : 1151848 of Monza e Brianza

 

Chamber of Commerce no. : 1151848 of Milano since 21/03/1984

 

V.A.T. Code : 07282310155

 

Foundation date

: 01/01/1984

Establishment date

: 21/01/1984

Legal duration

: 31/12/2050

Nominal Capital

: 101.490

 

Subscribed Capital

: 101.490

 

Paid up Capital

: 101.490

 

 

Members

 

 

Antonino

Matteo

 

 

 

Born in Cerignola

(FG)

on 20/11/1950

- Fiscal Code : NTNMTT50S20C514B

 

 

 

Residence:

 

Alessandro Fleming

, 122

- 00191

Roma

(RM)

- IT -

 

Position

Since

Shares Amount

% Ownership

Partner

 

 

 

 

 

No Prejudicial events are reported

 

 

No Protests registered

 

 

Albanese

Pietro

 

 

 

Born in Chiavenna

(SO)

on 17/01/1952

- Fiscal Code : LBNPTR52A17C623B

 

 

 

Residence:

 

Don Bosco

, 9

- 20020

Arese

(MI)

- IT -

 

Position

Since

Shares Amount

% Ownership

Sole Director

20/12/2012

 

 

 

 

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.

 

 

Albanese

Pietro

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

Elda Immobiliare Srl

Rho (MI) - IT -

13455490154

Sole Director

Active

Registered

Lotus Italia S.n.c. Di De Pasquali Aroldo E C.

Milano (MI) - IT -

07086660151

Partner of unlimit. partnership

Withdrawn

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

Antonino Matteo

Roma - IT -

NTNMTT50S20C514B

50.745 .Eur

50,00

Albanese Pietro

Arese - IT -

LBNPTR52A17C623B

35.521 .Eur

35,00

Landry Sabine

 

LNDSBN59P46Z112A

15.223 .Eur

15,00

 

Direct Participations

 

The Company under review has no participations in other Companies.

 

Firm's location and structure

 

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

 

-

Legal and operative seat

 

 

 

 

 

 

 

Volta

, 10

- 20017

- Rho

(MI)

- IT -

 

-

Branch

(Factory)

since 08/09/2004

 

 

 

 

 

 

Enzo Ferrari

- 20020

- Lazzate

(MB)

- IT -

 

 

 

 

Employees

: 41

 

Fittings and Equipment for a value of 660.000

Eur

 

Stocks for a value of 1.690.000

Eur

 

 

The firm operates abroad as exporter..

Export represents from 20% to 50% of the global turnover.

Products abroad are placed by :

- importers

 

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

 

The company is active since 1984

The economic-financial analysis has been made on the base of the b/s of the latests three years.

Under an economic point of view, profits were registered during the last years with a r.o.e. of 5,06% in 2012 with a good increase in turnover (+8,64% in 2012 compared to 2011 and +10,97% in 2011 compared to 2010).

The operating result in 2012 was positive (4,22%) and in line with the sector's average.

The amount of the operating result for the year 2012 is of Eur. 155.541 with a -28,26% drop.

During the latest financial year the gross operating margin amounted to Eur. 369.522 with a -23,02% fall.

The ratio between shareholder's equity and borrowed capital is not well balanced, the indebtedness level is equal to 6,46 with an upward trend.

Subject can manage an equity capital funds for an amount of Eur. 426.867 on the same levels as the year before.

Eur. 2.757.239 is the amount of total debts, both commercial and of different nature, , with no sensible variation.

The liquidity level is not optimal.

The financial management generated a cash flow of Eur. 235.565.

Labour cost expenses amount to Eur. 1.415.426 , representing 27,39% on the total of production costs. , with a 26,43% incidence on turnover.

The financial management is marked by a high incidence of financial charges in relation to sales revenues (-2,65%).

 

Financial Data

 

 

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

5.354.674

Profit (Loss) for the period

21.584

 

 

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

4.928.590

Profit (Loss) for the period

20.418

 

 

 

Complete balance-sheet for the year

al 31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

4.441.140

Profit (Loss) for the period

4.986



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

349.910

355.314

379.176

. TANGIBLE FIXED ASSETS

 

 

 

. . Real estate

 

 

 

. . Plant and machinery

 

 

 

. . Industrial and commercial equipment

 

 

 

. . Other assets

 

 

 

. . Assets under construction and advances

 

 

 

. Total Tangible fixed assets

628.636

642.170

757.491

. 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

 

 

 

Total fixed assets

978.546

997.484

1.136.667

CURRENT ASSETS

 

 

 

. INVENTORIES

 

 

 

. . Raw materials and other consumables

 

 

 

. . Work in progress and semimanufactured

 

 

 

. . Work in progress on order

 

 

 

. . Finished goods

 

 

 

. . Advance payments

 

 

 

. Total Inventories

1.691.989

1.713.777

1.187.227

. CREDITS NOT HELD AS FIXED ASSETS

 

 

 

. . Within 12 months

969.697

597.891

489.585

. . Beyond 12 months

 

 

 

. . 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

969.697

597.891

489.585

. 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

19

1.769

275

Total current assets

2.661.705

2.313.437

1.677.087

ADJUSTMENT ACCOUNTS

 

 

 

. Discount on loans

 

 

 

. Other adjustment accounts

42.032

48.820

49.682

Total adjustments accounts

42.032

48.820

49.682

TOTAL ASSETS

3.682.283

3.359.741

2.863.436

 

 

 

 

LIABILITIES

 

 

 

STOCKHOLDERS' EQUITY

 

 

 

. Capital stock

101.490

101.490

101.490

. Additional paid-in capital

 

 

 

. Revaluation reserves

 

 

 

. Legal reserve

 

 

 

. Reserve for Own shares

 

 

 

. Statute reserves

19.567

18.546

18.297

. Other reserves

284.226

264.828

260.091

. Accumulated Profits (Losses)

 

 

 

. Profit( loss) of the year

21.584

20.418

4.986

. Advances on dividends

 

 

 

. Partial loss of the year Coverage

 

 

 

Total Stockholders'Equity

426.867

405.282

384.864

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

361.520

307.986

263.257

ACCOUNTS PAYABLE

 

 

 

. . . . Within 12 months

2.757.239

2.472.983

2.130.347

. . . . 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

2.757.239

2.472.983

2.130.347

ADJUSTMENT ACCOUNTS

 

 

 

. Agio on loans

 

 

 

. Other adjustment accounts

136.657

173.490

84.968

Total adjustment accounts

136.657

173.490

84.968

TOTAL LIABILITIES

3.682.283

3.359.741

2.863.436

 

 

 

 

 

 

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

5.354.674

4.928.590

4.441.140

. Changes in work in progress

-34.206

421.818

240.791

. Changes in semi-manufact. products

 

 

 

. Capitalization of internal work

 

 

 

. Other income and revenues

3.343

192.609

1.730

. . Contributions for operating expenses

 

 

 

. . Different income and revenues

3.343

192.609

1.730

Total value of production

5.323.811

5.543.017

4.683.661

PRODUCTION COSTS

 

 

 

. Raw material,other materials and consum.

2.196.344

2.349.244

1.869.013

. Services received

844.990

932.140

1.020.770

. Leases and rentals

462.578

517.729

395.337

. Payroll and related costs

1.415.426

1.337.842

1.115.106

. . Wages and salaries

1.012.331

916.233

798.789

. . Social security contributions

333.468

294.325

263.618

. . Employee termination indemnities

69.627

67.250

52.699

. . Pension and similar

 

 

 

. . Other costs

 

60.034

 

. Amortization and depreciation

213.981

263.205

125.361

. . Amortization of intangible fixed assets

141.228

122.352

54.493

. . Amortization of tangible fixed assets

65.768

133.452

61.866

. . Depreciation of tangible fixed assets

 

 

 

. . Writedown of current receiv.and of liquid

6.985

7.401

9.002

. Changes in raw materials

-12.418

-104.732

-104.341

. Provisions to risk reserves

 

 

 

. Other provisions

 

 

 

. Other operating costs

47.369

30.753

44.777

Total production costs

5.168.270

5.326.181

4.466.023

Diff. between value and cost of product.

155.541

216.836

217.638

FINANCIAL INCOME AND EXPENSE

 

 

 

. Income from equity investments

 

 

 

. . In subsidiary companies

 

 

 

. . In associated companies

 

 

 

. . In other companies

 

 

 

. Other financial income

88

25

8

. . 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

88

25

8

. . . - Subsidiary companies

 

 

 

. . . - Associated companies

 

 

 

. . . - Holding companies

 

 

 

. . . - Other companies

88

25

8

. Interest and other financial expense

-141.818

-132.120

-141.933

. . Towards subsidiary companies

 

 

 

. . Towards associated companies

 

 

 

. . Towards holding companies

 

 

 

. . Towards other companies

141.818

132.120

141.933

Total financial income and expense

-141.730

-132.095

-141.925

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

54.167

 

1

. . Gains on disposals

 

 

 

. . Other extraordinary income

54.167

 

1

. Extraordinary expense

-20.392

-11.394

-29.192

. . Losses on disposals

 

 

 

. . Taxes relating to prior years

-20.390

-11.394

-29.192

. . Other extraordinary expense

-2

 

 

Total extraordinary income and expense

33.775

-11.394

-29.191

Results before income taxes

47.586

73.347

46.522

. Taxes on current income

26.002

52.929

41.536

. . current taxes

26.002

52.929

41.536

. . differed taxes(anticip.)

 

 

 

. Net income for the period

21.584

20.418

4.986

. Adjustments in tax regulations pursuance

 

 

 

. Provisions in tax regulations pursuance

 

 

 

. Profit (loss) of the year

21.584

20.418

4.986

 

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

0,27

0,30

0,40

0,16

Elasticity Ratio

Units

0,72

0,69

0,59

0,82

Availability of stock

Units

0,46

0,51

0,41

0,20

Total Liquidity Ratio

Units

0,26

0,18

0,17

0,56

Quick Ratio

Units

0,00

0,00

0,00

0,04

COMPOSITION ON SOURCE

 

 

 

 

 

Net Short-term indebtedness

Units

6,46

6,10

5,53

3,10

Self Financing Ratio

Units

0,12

0,12

0,13

0,19

Capital protection Ratio

Units

0,71

0,70

0,72

0,63

Liabilities consolidation quotient

Units

0,13

0,12

0,12

0,16

Financing

Units

6,46

6,10

5,54

4,16

Permanent Indebtedness Ratio

Units

0,21

0,21

0,23

0,38

M/L term Debts Ratio

Units

0,10

0,09

0,09

0,07

Net Financial Indebtedness Ratio

Units

n.c.

n.c.

n.c.

0,02

CORRELATION

 

 

 

 

 

Fixed assets ratio

Units

0,81

0,72

0,57

1,80

Current ratio

Units

0,97

0,94

0,79

1,24

Acid Test Ratio-Liquidity Ratio

Units

0,35

0,24

0,23

0,96

Structure's primary quotient

Units

0,44

0,41

0,34

1,18

Treasury's primary quotient

Units

0,00

0,00

0,00

0,06

Rate of indebtedness ( Leverage )

%

862,63

828,99

744,01

534,62

Current Capital ( net )

Value

-95.534

-159.546

-453.260

881.162

RETURN

 

 

 

 

 

Return on Sales

%

4,40

5,75

2,93

3,66

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

%

5,06

5,04

1,30

8,90

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

%

11,15

18,10

12,09

19,94

Return on Investment ( R.O.I. )

%

4,22

6,45

7,60

5,24

Return/ Sales

%

2,90

4,40

4,90

4,57

Extra Management revenues/charges incid.

%

13,88

9,42

2,29

35,24

Cash Flow

Value

235.565

283.623

130.347

214.985

Operating Profit

Value

155.541

216.836

217.638

310.321

Gross Operating Margin

Value

369.522

480.041

342.999

419.513

MANAGEMENT

 

 

 

 

 

Credits to clients average term

Days

n.c.

n.c.

n.c.

117,11

Debts to suppliers average term

Days

n.c.

n.c.

n.c.

124,74

Average stock waiting period

Days

113,75

125,18

96,24

56,77

Rate of capital employed return ( Turnover )

Units

1,45

1,47

1,55

1,11

Rate of stock return

Units

3,16

2,88

3,74

6,23

Labour cost incidence

%

26,43

27,14

25,11

17,11

Net financial revenues/ charges incidence

%

-2,65

-2,68

-3,20

-0,80

Labour cost on purchasing expenses

%

27,39

25,12

24,97

17,78

Short-term financing charges

%

5,14

5,34

6,66

2,20

Capital on hand

%

68,77

68,17

64,48

89,56

Sales pro employee

Value

121.697

120.209

130.621

208.953

Labour cost pro employee

Value

32.168

32.630

32.797

36.854

 

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

:

3.839.216

Population living in the region

:

9.393.092

Number of families in the region

:

3.858.736

 

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

 

- per food products

:

460

- per non food products

:

2.090

- per energy consume

:

114

 

Statistical Detrimental Data

 

Statistcally the trade activity shows periods of crisis.

The area is statistically considered lowly risky.

In the region 50.886 protested subjects are found; in the province they count to 24.765.

The insolvency index for the region is 0,55, , while for the province it is 0,66.

Total Bankrupt companies in the province : 22.523.

Total Bankrupt companies in the region : 39.612.

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.58.48

UK Pound

1

Rs.98.67

Euro

1

Rs.79.80

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

PDT

 

               

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.