MIRA INFORM REPORT

 

 

Report Date :

31.05.2014

 

IDENTIFICATION DETAILS

 

Name :

CHRISTOFOROS SOTIRIOU LIMITED

 

 

Registered Office :

11 Tripoleos, Latsia, 2235, Nicosia

 

 

Country :

Cyprus

 

 

Financials (as on) :

31.12.2009

 

 

Date of Incorporation :

28.12.1992

 

 

Com. Reg. No.:

C52930

 

 

Legal Form :

Limited Company

 

 

Line of Business :

Subject is engaged in the import and trade on a wholesale and retail basis of household utensils, i.e. flatware, cookware, dinnerware, glassware, kitchenware, gadgets, gifts, premiums, decoratives, and lamps. Subject's activities also include the distribution and promotion of the imported products.

 

 

No. of Employees :

12

 

RATING & COMMENTS

 

MIRA’s Rating :

Ca

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Moderate

Payment Behaviour :

Unknown

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)

Cyprus

C1

C1

 

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

 


 

CYPRUS - ECONOMIC OVERVIEW

 

The area of the Republic of Cyprus under government control has a market economy dominated by the service sector, which accounts for four-fifths of GDP. Tourism, financial services, and real estate have traditionally been the most important sectors. Cyprus has been a member of the European Union (EU) since May 2004 and adopted the euro as its national currency in January 2008. During the first five years of EU membership, the Cyprus economy grew at an average rate of about 4%, with unemployment between 2004 and 2008 averaging about 3%. An overextended banking sector with excessive exposure to Greek debt resulted in a contraction in economic growth. Two of Cyprus' biggest banks were among the largest holders of Greek bonds in Europe and had a substantial presence in Greece through bank branches and subsidiaries. Following numerous downgrades of its credit rating, Cyprus lost access to international capital markets in May 2011. The economy contracted by an accumulated 8.2% between 2009 and 2013 and is not expected to return to positive growth before 2015. Unemployment is currently over 17% and expected to reach 19% in 2014. In July 2012, Cyprus became the fifth eurozone government to request an economic bailout program from the European Commission, European Central Bank and the International Monetary Fund - known collectively as the "Troika". Shortly after the election of President Nicos ANASTASIADES in February 2013, Cyprus faced an economic crisis and agreed with the Troika to a $13 billion bailout that included losses on uninsured bank deposits. The bailout triggered a two-week bank closure and the imposition of capital controls, some of which remained in place through 2014. Cyprus' two largest banks merged and the combined entity was recapitalized through conversion of some large bank deposits to shares and imposition of losses on some bank bondholders. The Troika conditioned the bailout on progress in financial and structural reforms and privatization of state-owned enterprises. Cyprus has downsized and restructured its banking sector significantly. Three positive reviews by the Troika since May 2013 indicate that Cyprus’ bailout program is on track with a fourth review scheduled in May 2014. In October 2013, Cyprus completed preliminary appraisal of hydrocarbon deposits in its territorial waters, which revealed less than anticipated natural gas reserves. Additional exploration drilling is likely to continue in 2014-2015.

 

Source : CIA

 

 

 

 


Basic Information

 

Registered Name

ΧΡΙΣΤΟΦΟΡΟΣ ΣΩΤΗΡΙΟΥ ΛΙΜΙΤΕΔ

 

English Name

CHRISTOFOROS SOTIRIOU LIMITED

Registered Address

11 Tripoleos, Latsia, 2235, Nicosia, Cyprus

Headquarters:

11 Tripoleos, Latsia, 2235, Nicosia, Cyprus

Telephone

+35722311971

Fax

+35722314926

E-mail

info@csoteriou.com , petros@soteriou.cy.net

Web Site

www.csoteriou.com

Status

Registered and operational

Legal Type

Limited Company

Registration No

C52930

Registration Date

28/12/1992

Start Date

28/12/1992

Years of Operation:

22

Last annual report

31/12/2006

Latest Annual Account Date

01/12/2009

Last return

01/01/2008

Tax Reg No:

VAT: CY10052930B

CINFO ID:

CYC11616849

 

 

 

 

Summary

 

Employees

May 2014

   2013

 

 

Company

 

Company

 

 

 

Total Number

12

 

12

 

 

 

 

 

Financial Summary

December 2009

December 2008

 

 

EUR

EUR

 

Revenue Sales

2,096,113.00

2,337,589.00

 

Pre Tax Profit

82,579.00

95,608.00

 

Working Capital

174,317.00

181,765.00

 

Total Equity

962,716.00

980,160.00

 

Long Term Debts

849,866.00

897,507.00

 

Additional Info:

Auditors: ANDREAS PANAYIOTOU, 2 Salaminos Avenue, 1045 Nicosia, Cyprus Tel:357 22877256

Legal Advisor: MICHALAKIS RAFAIL, 20, Omirou Avenue, Nicosia.

Correspondent: CHRISTOFOROS SOTERIOU LTD, 11, Tripoleos, 2235, Latsia, Nicosia, Tel. 22311971

 

 

Payment

 

Assessment:

Nil Rating

Payment Habits:

No complaints

A check against all available information sources revealed that no late payment incidents against Subject Company exist.

 

Financial strength

Unable to comment

Given the fact that no recent detailed financial statements were disclosed, we feel unable to express a safe and reliable opinion regarding their creditability and Financial Strength.

 

 

Business History

 

Date

Event Name

Old Value

New Value

01/01/2008

Authorized Capital Changed

10000.00 CYP

17100.00 EUR

01/01/2008

Paid Up Capital Changed

10000.00 CYP

17100.00 EUR

01/01/2008

Nominal Values of Shares Changed

1.00 CYP

1.71 EUR

 

Previous Locations

 

 

 

Headquarters

From:

To:

13, Stylianou Lena, Strovolos, Nicosia, Cyprus,

28/12/1992

31/12/2007

 

 

Capital

 

Authorized Capital

17,100.00

EUR

Issued Capital

17,100.00

EUR

Nominal No Of Shares

10,000.00

 

Issued No Of Shares

10,000.00

 

Nominal value

1.71

EUR

Paid Up

17,100.00

EUR

 

 

Corporate Structure

 

Directors

Position

Acts As

ID

Occupation

Age

Appointed

Other dir.

SOTERIOU PETROS

 

Director

 

671353(ID)

Businessman

45

10/06/1999

No

6 Oktavianou, Lakatameia, 2332, Nicosia, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

SOTERIOU CHRISTOFOROS

 

Director

 

157408(ID)

Businessman

68

28/12/1992

No

13 Stylianou Lena, Strovolos, Nicosia, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

Secretary

Position

Acts As

ID

Occupation

Age

Appointed

Other dir.

SOTERIOU PETROS

 

Company Secretary

 

671353(ID)

Businessman

45

28/12/1992

No

6 Oktavianou, Lakatameia, 2332, Nicosia, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Shareholders

ID / Reg. No.

Acts As

Nationality

Shares

%

Shares Breakdown

Class

Type

SOTERIOU PETROS

 

671353(ID)

 

CYPRIOT

8500

85

-

-

-

 

6 Oktavianou, Lakatameia, 2332, Nicosia, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

SOTERIOU OURANIA

 

705029(ID)

 

CYPRIOT

1500

15

-

-

-

 

13 Stylianou Lena, Strovolos, 2019, Nicosia, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

Operation

 

Activity Code

Description

NACE 2.1

4649

Wholesale of other household goods - This class includes: - wholesale of woodenware, wickerwork and corkware etc. - wholesale of bicycles and their parts and accessories - wholesale of stationery, books, magazines and newspapers - wholesale of leather goods and travel accessories - wholesale of musical instruments - wholesale of games and toys - wholesale of sports goods, including special sports footwear such as ski boots

 

 

Line of Business

 

The company was established in order to get involved in the import and trade on a wholesale and retail basis of household utensils, i.e. flatware, cookware, dinnerware, glassware, kitchenware, gadgets, gifts, premiums, decoratives, and lamps. Company's activities also include the distribution and promotion of the imported products.

The company also designs, develops and promotes many products under the brand name STUDIO HOUSE being a registered trade mark owned by Christoforos Soteriou Ltd.


Subject has 10 vehicles which are used in the running of the business.

 

 

 

Export to

Percentage

 

Comments

The subject does not engage in any export activities.

 

 

 

 

 

 

 

 

 

Import from

Percentage

 

 Germany, Greece, Hong Kong, Indonesia, Italy, Netherlands, Portugal, Spain, Taiwan

100%

 

 

Among subject's suppliers are: Bormioli Rocco, Rayen, TVS, CS Group, Delta, POL-MAK, Hayman,, VillaVerde, Ceramirupe

 

 

 

 

 

 

Import Terms

Percentage

 

Open account, Letter of Credit

 

 

 

 

 

 

 

Market Territory

 

 

 

 

 

 

Local Presence:

100%

 

 

 

Sales

 

Sells To:

General Public, Supermarket chains, DIYs, Independent retailers, Wholesalers and B2B on a regular basis.

 

Selling Terms:

Cash, 120 days credit

 

 

 

 

 

 

 

Suppliers - Agencies

 

 

 

 

 

 

Company Name

Country

Product

Description

 

BORMIOLI ROCCO

Italy

Glassware

 

 

 

CARI SCHMIDT

Germany

Flatware/Cookware

 

 

 

T V S

Italy

Non-stick cookware

 

 

 

RAYEN

Spain

Household articles

 

 

 

ETERNAL

Hong Kong

Frames

 

 

 

DELTA GROUP

Italy

Melamine wares

 

 

 

RAMAZZIOTI

Italy

 

 

 

 

THE WALL

Switzerland

 

 

 

 

 

 

 

 

Premises

 

 

 

 

 

 

Type

Headquarters

 

 

 

Address:

11 Tripoleos, Latsia, 2235, Nicosia, Cyprus

 

Headquarters comprise of

Offices, Warehouse, Showroom

 

Headquarters are

Owned

 

Size (sq m):

1500

 

 

 

 

 

 

Type

Warehouse

 

 

 

Country

Cyprus

 

 

 

Address:

Latsia , Nicosia

 

 

 

 

 

 

 

 

 

 

 

 

 

Banks

 

BANK OF CYPRUS PUBLIC COMPANY LIMITED

 

51 Stasinou, Agia Paraskevi, Strovolos, 2002, Nicosia, Cyprus

 

Comment:

An overdraft facility of 600,000 Euro is available and utilised. 

 

 

 

 

 

 

Affiliates and Subsidiaries

Relation

Year Reg.

 

C.S HOME STORIES TRADING LIMITED

Affiliated Company

       2013

 

 

 

 

 

Charges

 

No

Date registered

Date prepared

Type

Description/No

Amount

Sequence

Beneficiary

1

30/03/2006

24/03/2006

Mortgage

Y3919/06

760,000.00 CYP

-

Bank of Cyprus Public Company Limited

2

22/03/2006

16/03/2006

Floating Charge on all Company's Assets

 

200,000.00 CYP

-

Bank of Cyprus Public Company Limited

3

21/10/1997

17/10/1997

Mortgage

Y8763/97

80,000.00 CYP

-

Bank of Cyprus Public Company Limited

4

03/10/1996

20/09/1996

Floating Charge on all Company's Assets

 

70,000.00 CYP

-

Bank of Cyprus Public Company Limited

5

13/05/1993

13/05/1993

Floating Charge on all Company's Assets

 

10,000.00 CYP

-

Bank of Cyprus Public Company Limited

 

 

 

Total Number

Total Amount (EUR)

Mortgage

2

1,435,225.21

Floating Charge on all Company's Assets

3

478,408.40

TOTAL CHARGES

5

1,913,633.61

 

 

 

Negatives

A check against our revealed that no negative payment incidents against the subject company, such as unpaid invoices, dishonored cheques, utility bills, bankruptcies etc. exist.

 

 

Financial Statement

 

Corporate financial statement

Financial Figures are Individual

 

 

 

 

 

 

 

 

Balance Sheet

December  2009

December  2008

 

EUR

EUR

 

FIXED ASSETS

 

 

Property, plant and equipment

1,636,550

1,688,196

Intangible assets

1,715

7,706

Total fixed assets

1,638,265

1,695,902

CURRENT ASSETS

 

 

Inventories

575,763

695,714

Trade and other receivables

1,172,781

1,247,610

Cash and cash equivalents

17,209

7,652

Total current assets

1,765,753

1,950,976

Total assets

3,404,018

3,646,878

CAPITAL AND RESERVES

 

 

Share capital

17,100

17,100

Retained earnings

945,616

963,060

Total equity

962,716

980,160

LONG-TERM LIABILITIES

 

 

Long-term Borrowings

849,866

897,507

Total long-term liabilities

849,866

897,507

CURRENT LIABILITIES

 

 

Trade and other payables

1,037,065

1,027,768

Current income tax liabilities

1,321

2,262

Borrowings

553,050

739,181

Total Current Liabilities

1,591,436

1,769,211

Total liabilities

2,441,302

2,666,718

Total equity and liabilities

3,404,018

3,646,878

 

 

 

 

Profit/Loss Account

December  2009

December  2008

 

 

EUR

EUR

 

 

 

Sales

2,096,113

2,337,589

Cost of goods sold

1,270,639

1,417,429

Gross profit

825,474

920,160

Other Operating income

3,246

18,461

Selling and distribution expenses

445,426

509,069

Administrative expenses

230,022

241,278

OPERATING PROFIT/LOSS

153,272

188,274

Other income

8,988

5,868

Finance costs

79,681

98,534

Profit/Loss before income tax

82,579

95,608

Income tax expense

10,321

11,262

Profit/Loss for the year

72,258

84,346

 

 

Key Ratios

December  2009

December  2008

 

Gross Profit margin on sales

0.39

0.39

Return on assets (ROA)

0.02

0.02

Current Ratio

1.11

1.1

Sales to Net Working Capital Ratio

12.02

12.86

Total assets turnover (times)

0.62

0.64

Please note that the latest financial details were not available at the file of the company at the official companies' registry house; as the law provides for all companies. No financial details were available from other public sources.

 

 

Additional Information

 

We contacted the company in question where we talked to the Company’s Director, Mr. Petros Soteriou, who confirmed to us all the details in this report but declined to release any financial information about the subject.

 

CYPRUS COUNTRY DEVELOPMENT

For information concerning recent political, social and economic developments in Cyprus, follow the below link:

http://www.infocreditgroup.com/News/202/en/Cyprus-Country-Development-2014

 

Methodology Used For Report Preparation

Perform Searches in:

·         The Registrar of Companies and Official Receiver of the Republic of Cyprus.

·         In house databases for Detrimental Information:

o        Bankruptcy and Dissolution procedures.

o        Issuers of Bounced Cheques.

o        Unpaid Bills.

·         Proprietary databases and global subscription sites.

·         Global and local media.

·         Internet social networks.

·         Relationship/Directorship Search through Local Database.

·         Other local databases as deemed appropriate.

 

Conduct Interviews with:

·         Official(s) / correspondent(s) of the company under review.

·         Supplier(s) or other associated entities of the company.

·         Other local resources with extensive knowledge of the market.

 

Analysis

·         Process and analyse all information gathered.

·         Perform a thorough quality check of the report prior to sending it to the client.

 

 

Contact Information

 

Name:

Mr Petros Soteriou

Position:

Company Director

 

 

Confirm general details

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.03

UK Pound

1

Rs.98.91

Euro

1

Rs.80.34

 

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

--

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.