MIRA INFORM REPORT

 

 

Report Date :

27.05.2014

 

IDENTIFICATION DETAILS

 

Name :

HEALY CHEMICALS IRELAND LIMITED

 

 

Registered Office :

Hcl House Cookstown, Industrial Estate, Tallaght, Dublin 24, 216410

 

 

Country :

Ireland

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

02.07.1984

 

 

Com. Reg. No.:

IE101919

 

 

Legal Form :

Private limited with Share Capital

 

 

Line of Business :

·         Wholesaler of chemical products

A group engaged in the importation and distribution of bulk chemicals.

 

 

No of Employees :

Not Available 

 

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)

Ireland

B1

B1

 

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

 


 

iRELAND ECONOMIC OVERVIEW

 

Ireland is a small, modern, trade-dependent economy. Ireland was among the initial group of 12 EU nations that began circulating the euro on 1 January 2002. GDP growth averaged 6% in 1995-2007, but economic activity has dropped sharply since the onset of the world financial crisis. Ireland entered into a recession in 2008 for the first time in more than a decade, with the subsequent collapse of its domestic property market and construction industry. Property prices rose more rapidly in Ireland in the decade up to 2007 than in any other developed economy. Since their 2007 peak, average house prices have fallen 47%. In the wake of the collapse of the construction sector and the downturn in consumer spending and business investment, the export sector, dominated by foreign multinationals, has become an even more important component of Ireland's economy. Agriculture, once the most important sector, is now dwarfed by industry and services. In 2008 the former COWEN government moved to guarantee all bank deposits, recapitalize the banking system, and establish partly-public venture capital funds in response to the country's economic downturn. In 2009, in continued efforts to stabilize the banking sector, the Irish Government established the National Asset Management Agency (NAMA) to acquire problem commercial property and development loans from Irish banks. Faced with sharply reduced revenues and a burgeoning budget deficit, the Irish Government introduced the first in a series of draconian budgets in 2009. In addition to across-the-board cuts in spending, the 2009 budget included wage reductions for all public servants. These measures were not sufficient to stabilize Ireland’s public finances. In 2010, the budget deficit reached 32.4% of GDP - the world's largest deficit, as a percentage of GDP - because of additional government support for the country’s deeply troubled banking sector. In late 2010, the former COWEN government agreed to a $92 billion loan package from the EU and IMF to help Dublin recapitalize Ireland’s fragile banking sector and avoid defaulting on its sovereign debt. Since entering office in March 2011, the new KENNY government has intensified austerity measures to try to meet the deficit targets under Ireland's EU-IMF program. Ireland has grown slowly since 2011, but managed to reduce the budget deficit to 7.2% of GDP in 2013. In late 2013, Ireland formally exited its EU-IMF bailout program, benefiting from its strict adherence to deficit-reduction targets and success in refinancing a large amount of banking-related debt.

 

 

 

Source : CIA

 


REGISTERED NAME & COMPANY SUMMARY

 

Company Name:

HEALY CHEMICALS IRELAND LIMITED

Company No:

IE101919

 

 

 

 

 

Registered Address:

HCL HOUSE COOKSTOWN

INDUSTRIAL ESTATE

TALLAGHT

DUBLIN 24

216410

Trading Address:

HCL HOUSE COOKSTOWN

INDUSTRIAL ESTATE

TALLAGHT

DUBLIN 24

DUBLIN 24

216410

Incorporation Date

02/07/1984

 

Telephone Number

Type

Private limited with Share Capital

 

 

FTSE INDEX

-

Date of Change

-

Filing Date of Accounts

-

Currency

EUR

Share Capital

€184,112

SIC07

46750

Principal Activity

·         Wholesaler of chemical products

A group engaged in the importation and distribution of bulk chemicals.

 

DIRECTORS/MANAGEMENT

 

Current Directors

Name

DAVID ANCHELL

Date of Birth

31/05/1954

Officers Title

 

Nationality

 

Present Appointments

8

Function

Director

Appointment Date

01/01/2005

 

 

Address

NEW INN, CASHEL, CO. TIPPERARY.

Disqualified

 

Disqualified End Date

 

Disqualification Exception

No

 

 

 

Name

ADELAIDE HEALY

Date of Birth

10/07/1953

Officers Title

 

Nationality

 

Present Appointments

2

Function

Director

Appointment Date

09/11/2004

 

 

Address

Hillside Whitehall Road, Churchtown, Dublin 16

Disqualified

 

Disqualified End Date

 

Disqualification Exception

No

 

 

 

Name

NED CAMPION

Date of Birth

19/07/1937

Officers Title

 

Nationality

 

Present Appointments

1

Function

Director

Appointment Date

09/11/2004

 

 

Address

81 Meadow Grove, Churchtown, Dublin 16

Disqualified

 

Disqualified End Date

 

Disqualification Exception

No

 

 

 

Name

MAURICE ANTHONY HEALY

Date of Birth

13/06/1953

Officers Title

 

Nationality

 

Present Appointments

11

Function

Director

Appointment Date

10/09/1985

 

 

Address

HILLSIDE, WHITEHALL ROAD, CHURCHTOWN, DUBLIN 14

Disqualified

 

Disqualified End Date

 

Disqualification Exception

No

 

 

 

Name

ANTHONY HEALY

Date of Birth

02/12/1978

Officers Title

 

Nationality

 

Present Appointments

2

Function

Director

Appointment Date

19/08/2010

 

 

Address

2 MARINE VIEW, ROCK ROAD, BLACKROCK, CO.DUBLIN

Disqualified

 

Disqualified End Date

 

Disqualification Exception

No

 

 

 

Name

GARETH HEALY

Date of Birth

07/07/1982

Officers Title

 

Nationality

 

Present Appointments

1

Function

Director

Appointment Date

01/09/2011

 

 

Address

37 GLEANN NA RI, DRUID VALLEY, CHERRYWOOD, DUBLIN 18

 


 

Previous Director/Company Secretaries

Name

Current Directorships

Previous Directorships

RANDALL AUGUSTINE TIERNEY

8

6

AUBREY SAMUEL JOSEPH STYLES

0

2

GUNTER HERMES

0

1

TIMOTHY HEALY

0

1

FREDERICK WILLIAM GIBBS

0

1

THOMAS FRANCIS KELLEHER

0

3

EILEEN CARROLL

0

1

CATHERINE HARRISON

1

1

ROBIN PATTON

0

1

DOMINIC GERARD CARROLL

2

2

DUNCAN HUGHES

8

3

DUNCAN HUGHES

8

3

MICHAEL J. CONNELLAN

2

4

ANTONY SIMPSON

0

2

ANTONY SIMPSON

0

2

MAURICE HEALY

0

1

 

NEGATIVE INFORMATION

 

CJ

Total Number of Exact CJs -

0

Total Value of Exact CJs -

€0

Total Number of Possible CJs -

0

Total Value of Possible CJs -

€0

Total Number of Satisfied CJs -

0

Total Value of Satisfied CJs -

€0

 

Possible CJ Details

There are no possible CJ details

Unregistered - Exact CJ Details

No CJs found

 

Unregistered - Possible CJ Details

No CJs found

 

Registered - Exact CJ Details

No CJs found

 

Registered - Possible CJ Details

No CJs found

 

SHARE & SHARE CAPITAL INFORMATION

 

Top 20 Shareholders

Name

Currency

Share Count

Share Type

Nominal Value

MAURICE ANTHONY HEALY

EUR

144,999

ORDINARY

1.27

ADELAIDE HEALY

EUR

1

ORDINARY

1.27

 

PAYMENT INFORMATION

 

Payment Trend

Stable

 

Within terms

Within terms 91+ Days

 

Mortgage Details

Mortgage Type:

A floating charge on the undertakings or property of the company.

Date Charge Created:

03/03/03

Date Charge Registered:

07/03/03

Date Charge Satisfied:

-

Status:

NOT SATISFIED

Person(s) Entitled:

BANK OF SCOTLAND (IRELAND) COMMERCIAL FINANCE LIMITED

Amount Secured:

 

Details:

 

 

Mortgage Type:

DEED OF MORTGAGE.

Date Charge Created:

17/09/98

Date Charge Registered:

25/09/98

Date Charge Satisfied:

-

Status:

NOT SATISFIED

Person(s) Entitled:

ICC BANK PLC

Amount Secured:

 

Details:

ALL SUMS NOW DUE OR HEREAFTER TO BECOME DUE BY THE COMPANY TO THE LENDER(S)

 

Mortgage Type:

DEED OF SPECIFIC CHARGE ON BOOK DEBTS.

Date Charge Created:

09/12/97

Date Charge Registered:

23/12/97

Date Charge Satisfied:

-

Status:

NOT SATISFIED

Person(s) Entitled:

ICC BANK PLC

Amount Secured:

 

Details:

ALL SUMS NOW DUE OR HEREAFTER TO BECOME DUE FROM THE COMPANY TO THE PERSON(S) ENTITLED

 

Mortgage Type:

DEED OF MORTGAGE.

Date Charge Created:

16/04/93

Date Charge Registered:

23/04/93

Date Charge Satisfied:

08/03/06

Status:

FULLY SATISFIED

Person(s) Entitled:

ICC BANK PLC

Amount Secured:

 

Details:

ALL SUMS NOW DUE OR HEREAFTER TO BECOME DUE FROM THE COMPANY TO THE PERSON(S) ENTITLED

 

Mortgage Type:

DEED OF MORTGAGE.

Date Charge Created:

03/12/92

Date Charge Registered:

11/12/92

Date Charge Satisfied:

08/03/06

Status:

FULLY SATISFIED

Person(s) Entitled:

ICC BANK PLC

Amount Secured:

 

Details:

ALL SUMS NOW DUE OR HEREAFTER TO BECOME DUE FROM THE COMPANY TO THE PERSON(S) ENTITLED

 

Mortgage Type:

A DEBENTURE.

Date Charge Created:

09/12/88

Date Charge Registered:

21/12/88

Date Charge Satisfied:

21/05/04

Status:

FULLY SATISFIED

Person(s) Entitled:

ALLIED IRISH BANKS PLC

Amount Secured:

 

Details:

ALL SUMS NOW DUE OR HEREAFTER TO BECOME DUE FROM THE COMPANY TO THE PERSON(S) ENTITLED

 

Mortgage Type:

A DEED OF MORTGAGE DEBENTURE.

Date Charge Created:

17/06/88

Date Charge Registered:

22/06/88

Date Charge Satisfied:

-

Status:

NOT SATISFIED

Person(s) Entitled:

INDUSTRIAL CREDIT CORPORATION PLC

Amount Secured:

0

Details:

ALL SUMS NOW DUE OR HEREAFTER TO BECOME DUE FROM THE COMPANY TO THE PERSON(S) ENTITLED

 

Creditor Details

 

Total Number

Total Value

Trade Creditors

0

-

 

No Creditor Data

 

Trade Debtors / Bad Debt Detail

 

Total Number of Documented Trade

Total Value of Documented Trade

Trade Debtors

-

-

 

No Debtor Data

 

Average Invoice Value

€668.53

Invoices available

2

Paid

2

Outstanding

0

 

Trade Payment Data is information that we collect from selected third party partners who send us information about their whole sales ledger.

 

 

Within Terms

0-30 Days

31-60 Days

61-90 Days

91+ Days

Paid

0

2

0

0

0

Outstanding

0

0

0

0

0

 

GROUP STRUCTURE & AFFILIATED COMPANIES

 

Statistics

Group

2 companies

Linkages

2 companies

Countries

In 2 countries

 

Summary

Holding Company

HEALY CHEMICALS IRELAND LIMITED

Ownership Status

Ultimately Owned

Ultimate Holding Company

HEALY CHEMICALS IRELAND LIMITED

 

Group structure

Company Name

 

Registered Number

Latest Key Financials

Consol. Accounts

Turnover

HEALY CHEMICALS IRELAND...

 

IE101919

31.12.2012

Y

€4,897,647

HEALY CHEMICALS (U.K.)...

 

02750658

31.12.2012

N

 

 

Business Owner Links

 

Business Name

Business No

Business Status.

 

 

HEALY CHEMICALS IRELAND LIMITED

IE101919

 

 

THE HEALY GROUP

233643

NORMAL

 

Other Linked companies

Name

 

Number

Latest Key Financials

Turnover

CHEMFIX PRODUCTS LIMITED

 

04334528

31.12.2012

£8,635,246

NICKERSON CHEMICALS LIMITED

 

03045524

31.12.2012

 

FINANCIAL INFORMATION

 

Profit & Loss

Date Of Accounts

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

(%)

31/12/08

Weeks

52

(%)

52

(%)

52

(%)

52

(%)

52

Currency

EUR

(%)

EUR

(%)

EUR

(%)

EUR

(%)

EUR

Consolidated A/cs

Y

(%)

Y

(%)

Y

(%)

Y

(%)

Y

Turnover

€4,897,647

5%

€4,666,470

18.7%

€3,932,807

-19.1%

€4,859,482

-1.3%

€4,923,821

Export

-

-

-

-

-

-

-

-

-

Cost of Sales

€3,773,021

8.9%

€3,464,274

13.2%

€3,061,499

-19%

€3,778,817

-2.3%

€3,867,751

Gross Profit

€1,124,626

-6.5%

€1,202,196

38%

€871,308

-19.4%

€1,080,665

2.3%

€1,056,070

Wages & Salaries

€811,709

-15.4%

€959,227

37.9%

€695,422

-6.7%

€745,517

-9%

€819,460

Directors Emoluments

€344,553

9.5%

€314,725

0.9%

€312,000

-0.4%

€313,275

-20%

€391,608

Operating Profit

-€838,495

-528.8%

€195,524

34.5%

€145,404

-61.6%

€379,082

-29.2%

€535,365

Depreciation

€55,589

11.7%

€49,768

12.7%

€44,156

13.4%

€38,928

3.7%

€37,544

Audit Fees

-

-

-

-

€23,684

10.2%

€21,500

17%

€18,375

Interest Payments

€91,789

-16.6%

€110,089

-16.8%

€132,397

-26.4%

€179,886

-42.4%

€312,339

Pre Tax Profit

-€272,729

-147.3%

€576,028

-81.7%

€3,146,653

232.3%

€946,968

-10.9%

€1,063,337

Taxation

-€135,281

-11%

-€121,890

35.5%

-€188,869

11.2%

-€212,750

-12.1%

-€189,736

Profit After Tax

-€408,010

-189.8%

€454,138

-84.6%

€2,957,784

302.8%

€734,218

-16%

€873,601

Dividends Payable

€79,303

-20%

€99,129

150%

€39,652

-69.6%

€130,225

-27.3%

€179,244

Retained Profit

-€487,313

-237.3%

€355,009

-87.8%

€2,918,132

383.1%

€603,993

-13%

€694,357

 


Balance Sheet

Date Of Accounts

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

(%)

31/12/08

Tangible Assets

€4,274,180

-15.9%

€5,084,467

6.3%

€4,785,121

-11.3%

€5,395,686

14.1%

€4,728,126

Intangible Assets

0

-

0

-

0

-

0

-

0

Total Fixed Assets

€4,274,180

-15.9%

€5,084,467

6.3%

€4,785,121

-11.3%

€5,395,686

14.1%

€4,728,126

Stock

€218,693

-33.2%

€327,159

36%

€240,581

49.4%

€161,055

-11.7%

€182,364

Trade Debtors

€1,570,639

73.1%

€907,153

-41.9%

€1,561,950

44.6%

€1,080,206

36.7%

€790,054

Cash

€3,100,911

2.5%

€3,024,645

9.9%

€2,752,964

783.1%

€311,743

-36.2%

€488,980

Other Debtors

€1,752,644

0.5%

€1,743,585

-11.4%

€1,969,024

139.1%

€823,615

-40.7%

€1,388,240

Miscellaneous Current Assets

0

-

0

-

0

-

0

-

0

Total Current Assets

€6,642,887

10.7%

€6,002,542

-8%

€6,524,519

174.5%

€2,376,619

-16.6%

€2,849,638

Trade Creditors

€1,504,890

80.8%

€832,136

-20%

€1,040,265

123.8%

€464,860

-36.3%

€730,083

Bank Loans & Overdrafts

€300,492

-

€300,492

-42.3%

€521,230

73.5%

€300,492

-19%

€370,822

Other Short Term Finance

€16,620

286.3%

€4,302

-56.6%

€9,902

-

0

-

0

Miscellaneous Current Liabilities

€208,434

21.3%

€171,837

-4.1%

€179,221

28.9%

€139,079

1.7%

€136,760

Total Current Liabilities

€2,030,436

55.1%

€1,308,767

-25.2%

€1,750,618

93.6%

€904,431

-26.9%

€1,237,665

Bank Loans & Overdrafts and LTL

€606,275

-31.9%

€890,079

-35.6%

€1,381,867

-3.5%

€1,432,444

-17.7%

€1,741,498

Other Long Term Finance

0

-

0

-

0

-

0

-

0

Total Long Term Liabilities

€305,783

-48.1%

€589,587

-31.5%

€860,637

-24%

€1,131,952

-17.4%

€1,370,676

 

Capital & Reserves

Date Of Accounts

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

(%)

31/12/08

Called Up Share Capital

€184,112

-

€184,112

-

€184,112

-

€184,112

-

€184,112

P & L Account Reserve

€8,396,736

-4.5%

€8,790,122

5.9%

€8,299,852

60.9%

€5,157,439

17.5%

€4,390,940

Revaluation Reserve

-

-100%

€214,421

-

€214,421

-45.6%

€394,371

-

€394,371

Sundry Reserves

-

-

-

-

-

-

-

-

-

Shareholder Funds

€8,580,848

-6.6%

€9,188,655

5.6%

€8,698,385

51.6%

€5,735,922

15.4%

€4,969,423

 

Other Financial Items

Date Of Accounts

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

(%)

31/12/08

Net Worth

€8,580,848

-6.6%

€9,188,655

5.6%

€8,698,385

51.6%

€5,735,922

15.4%

€4,969,423

Working Capital

€4,612,451

-1.7%

€4,693,775

-1.7%

€4,773,901

224.3%

€1,472,188

-8.7%

€1,611,973

Total Assets

€10,917,067

-1.5%

€11,087,009

-2%

€11,309,640

45.5%

€7,772,305

2.6%

€7,577,764

Total Liabilities

€2,336,219

23.1%

€1,898,354

-27.3%

€2,611,255

28.2%

€2,036,383

-21.9%

€2,608,341

Net Assets

€8,580,848

-6.6%

€9,188,655

5.6%

€8,698,385

51.6%

€5,735,922

15.4%

€4,969,423

 

Cash Flow

Date Of Accounts

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

(%)

31/12/08

Net Cashflow from Operations

€1,142,445

-12.3%

€1,302,648

-24.7%

€1,730,968

-6.2%

€1,846,265

-12.7%

€2,114,555

Net Cashflow before Financing

€608,256

32.3%

€459,594

-68.6%

€1,464,194

35.8%

€1,077,886

20.6%

€893,825

Net Cashflow from Financing

-€248,186

-181.7%

€303,875

-70.4%

€1,027,604

207.7%

-€954,128

-174.3%

-€347,802

Increase in Cash

€360,070

-52.8%

€763,469

-69.4%

€2,491,798

999.9%

€123,758

-77.3%

€546,023

 

Miscellaneous

Date Of Accounts

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

(%)

31/12/08

Contingent Liability

NO

-

NO

-

NO

-

NO

-

NO

Capital Employed

€8,886,631

-9.1%

€9,778,242

2.3%

€9,559,022

39.2%

€6,867,874

8.3%

€6,340,099

 

Ratios

Date Of Accounts

31/12/12

31/12/11

31/12/10

31/12/09

31/12/08

Pre-tax profit margin %

-5.57

12.34

80.01

19.49

21.60

Current ratio

3.27

4.59

3.73

2.63

2.30

Sales/Net Working Capital

1.06

0.99

0.82

3.30

3.05

Gearing %

7.10

9.70

15.90

25

35

Equity in %

78.60

82.90

76.90

73.80

65.60

Creditor Days

111.84

64.90

96.28

34.82

53.97

Debtor Days

116.73

70.76

144.56

80.91

58.40

Liquidity/Acid Test

3.16

4.33

3.58

2.44

2.15

Return On Capital Employed %

-3.06

5.89

32.91

13.78

16.77

Return On Total Assets Employed %

-2.49

5.19

27.82

12.18

14.03

Current Debt Ratio

0.23

0.14

0.20

0.15

0.24

Total Debt Ratio

0.27

0.20

0.30

0.35

0.52

Stock Turnover Ratio %

4.46

7.01

6.11

3.31

3.70

Return on Net Assets Employed %

-3.17

6.26

36.17

16.50

21.3

Number of Employees

-

-

-

-

-

 

Auditors

WHELAN DOWLING & ASSOCIATES

Auditor Comments

The audit report contains no adverse comments

Bankers

ALLIED IRISH BANKS PLC

Bank Branch Code

93-11-36

 

ADDITIONAL INFORMATION

 

Current Company Secretary

Name

ANTHONY HEALY

Date of Birth

02/12/1978

Officers Title

 

Nationality

 

Present Appointments

2

Function

Company Secretary

Appointment Date

01/08/2008

 

 

Address

2 MARINE VIEW, ROCK ROAD, BLACKROCK, CO.DUBLIN

 

Status History

No Status History found

 

Event History

Date

Description

11/09/2013

New Accounts Filed

11/09/2013

New Accounts Filed

10/09/2013

Annual Returns

22/10/2012

New Accounts Filed

22/10/2012

New Accounts Filed

20/10/2012

Annual Returns

10/12/2011

Annual Returns

10/12/2011

New Accounts Filed

10/12/2011

New Accounts Filed

01/09/2011

New Board Member (GARETH HEALY) appointed

09/09/2010

Annual Returns

08/09/2010

New Accounts Filed

08/09/2010

New Accounts Filed

19/08/2010

New Board Member (ANTHONY HEALY) appointed

21/12/2009

Annual Returns

 

Previous Company Names

No Previous Names found

 

NOTES & COMMENTS

 

Commentary

No exact match CCJs are recorded against the company.

 

Sales in the latest trading period increased 5% on the previous trading period.

 

Net Worth decreased by 6.6% during the latest trading period.

 

 

A 1.5% decline in Total Assets occurred during the latest trading period.

 

Pre-tax profits decreased by 147.3% compared to the previous trading period.

 

The company saw an increase in their Cash Balance of 2.5% during the latest trading period.

 

The audit report contains no adverse comments.

 

No recent changes in directorship are recorded.

 

The company is part of a group.

 

The company was established over 29 years ago.

 

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FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.58.58

UK Pound

1

Rs.98.66

Euro

1

Rs.79.81

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

MNL

 

 

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.