|
Report Date : |
01.11.2014 |
IDENTIFICATION DETAILS
|
Name : |
CAPITAL TRADE IMPORTAÇÃO E EXPORTAÇÃO LTDA |
|
|
|
|
Registered Office : |
Avenida Coronel Marcos Konder,805 Sala 1101, Centro Empresarial Marcos
Konder - Centro |
|
|
|
|
Country : |
Brazil |
|
|
|
|
Financials (as on) : |
31.03.2012 |
|
|
|
|
Date of Incorporation : |
24.02.2006 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
Import, Export and Sale of Goods in General. |
|
|
|
|
No of Employees : |
76 |
RATING & COMMENTS
|
MIRA’s Rating : |
B |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Status : |
Moderate |
|
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 – June 1, 2014
|
Country Name |
Previous Rating (31.03.2014) |
Current Rating (01.06.2014) |
|
Brazil |
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
BRAZIL - ECONOMIC OVERVIEW
Characterized by large and
well-developed agricultural, mining, manufacturing, and service sectors, and a rapidly
expanding middle class, Brazil's economy outweighs that of all other South
American countries, and Brazil is expanding its presence in world markets.
Since 2003, Brazil has steadily improved its macroeconomic stability, building
up foreign reserves, and reducing its debt profile by shifting its debt burden
toward real denominated and domestically held instruments. In 2008, Brazil
became a net external creditor and two ratings agencies awarded investment
grade status to its debt. After strong growth in 2007 and 2008, the onset of
the global financial crisis hit Brazil in 2008. Brazil experienced two quarters
of recession, as global demand for Brazil's commodity-based exports dwindled
and external credit dried up. However, Brazil was one of the first emerging
markets to begin a recovery. In 2010, consumer and investor confidence revived
and GDP growth reached 7.5%, the highest growth rate in the past 25 years.
Rising inflation led the authorities to take measures to cool the economy;
these actions and the deteriorating international economic situation slowed
growth in 2011-13. Unemployment is at historic lows and Brazil's traditionally
high level of income inequality has declined for each of the last 14 years.
Brazil's historically high interest rates have made it an attractive
destination for foreign investors. Large capital inflows over the past several
years have contributed to the appreciation of the currency, hurting the
competitiveness of Brazilian manufacturing and leading the government to intervene
in foreign exchange markets and raise taxes on some foreign capital inflows.
President Dilma ROUSSEFF has retained the previous administration's commitment
to inflation targeting by the central bank, a floating exchange rate, and
fiscal restraint.
|
Source
: CIA |
CAPITAL TRADE
IMPORTAÇÃO E EXPORTAÇÃO LTDA
ADDRESSES
|
|
MAIN ADDRESS: |
Avenida Coronel Marcos Konder,805 Sala 1101, Centro Empresarial Marcos
Konder - Centro |
|
ZIP CODE/CITY: |
88301-302 - ITAJAÍ/SC |
|
|
|
|
PHONE: |
47 3045-1720 |
|
FAX: |
47 3045-1720 |
|
E-MAIL: |
alexandrepaggioro@capitaltrade.srv.br |
|
WEB SITE: |
www.capitaltrade.srv.br |
|
BRANCHES: |
|
|
|
|
|
ADDRESS: |
ALAMEDA GRAJAÚ,129 5º ANDAR, SALAS 505/506 - ALPHAVILLE |
|
ZIP CODE/CITY: |
06454-025 BARUERI/SP |
|
PHONE: |
11 4208-2511 |
|
CNPJ: |
07.872.326/0003-10 |
|
STATE REGISTER: |
206.260.177.118 |
|
|
|
|
ADDRESS: |
RUA JANGADEIROS ALAGOANOS,1481 SALA 112 - PAJUCARA |
|
ZIP CODE/CITY: |
57030-000 MACEIÓ/AL |
|
CNPJ: |
07.872.326/0006-62 |
|
STATE REGISTER: |
242923550 |
LEGAL
DATA
|
|
MAIN ACTIVITIES: |
|
FOREIGN TRADE. |
|
LEGAL FORM: |
LIMITED
LIABILITY COMPANY |
|
|
|
|
INCORPORATION DATE: |
24/02/2006 |
|
REGISTER DATE: |
24/02/2006 |
|
BALANCE SHEET FILING DATE: |
31/12 |
|
TAX CONTRIBUTOR NUMBER(CNPJ): |
07.872.326/0001-58 |
|
STATE REGISTER: |
255.166.575 |
|
|
|
|
SHARE CAPITAL: |
R$ 2.000.000,00 |
|
BOARD OF
DIRECTORS: |
|
|
|
|
|
JOSE CARLOS LUSTOSA GIMENEZ |
MANAGING PARTNER |
|
RICARDO VULCANO |
MANAGING PARTNER |
|
AUTHORIZED USE
OF SIGNATURE: |
|
THE MANAGING PARTNERS ARE AUTHORIZED TO SIGN ON BEHALF OF THE COMPANY. |
|
SHAREHOLDERS /
PARTNERS: |
|
|
|
|
|
JOSE CARLOS LUSTOSA GIMENEZ |
50% |
|
RICARDO VULCANO |
50% |
|
AFFILIATES /
SUBSIDIARIES: |
|
|
|
|
|
BUSINEXT CONSULTORIA EMPRESARIAL LTDA - EPP |
|
|
INTERLINE ASSESSORIA EM COM EXTERIOR LTDA |
|
|
KG LINE COM IMPORTAÇÃO E EXPORTAÇÃO LTDA |
|
|
BRASLINE CARGAS INTERNACIONAIS LTDA |
|
|
COMPANY'S
BACKGROUND: |
|
THE SUBJECT WAS ESTABLISHED ON FEBRUARY 24, 2006 TO BE ENGAGED IN THE SAID LINE OF BUSINESS. TRADE NAME: CAPITAL TRADE BUSINESS ADDRESS HAS CHANGED FROM (AVENIDA CORONEL MARCOS KONDER, 1207 15º ANDAR, SALAS 156/157/158, CENTRO EMPRESARIAL - CENTRO ITAJAÍ/SC) TO THE PRESENT REGISTERED ONE. PARTNERS: JOSÉ CARLOS LUSTOSA GIMENEZ: BRAZILIAN, MARRIED, HOLDER OF DOCUMENTS, RG 05580097-3 SEPC-RJ, CPF 667.731.727-72, RESIDENTIAL ADDRESS AT AV. INDUSTRIAL 1071, APTº 11, BLOCO B-GIRASSOL, BAIRRO JARDIM - SANTO ANDRÉ/SP; RICARDO VULCANO: BRAZILIAN, MARRIED, HOLDER OF DOCUMENTS, RG 15.822.078 SSP-SP, CPF 142.250.128-08, RESIDENTIAL ADDRESS AT RUA DOMINGOS DA FONSECA, 144, 6º ANDAR, BAIRRO PARQUE DA MOOCA - SÃO PAULO/SP. FURTHER DETAILS ARE SO FAR NOT KNOWN. REMARKS: -------- WHEN CONTACTING THE SUBJECT WE INTERVIEWED MS. SULA, FINANCIAL DEPARTMENT, WHO INFORMED THAT WOULD NOT DISCLOSE ANY KIND OF INFORMATION UNLESS THE INQUIRING PARTY'S NAME WAS DISCLOSED. IF IT IS POSSIBLE TO DISCLOSE THE NAME OF THE INTERESTED SUPPLIER OF THE SUBJECT, WE MAY RESUME OUR CONTACTS AND TRY TO OBTAIN FURTHER INFORMATION. THE DATA CONTAINED HEREIN WERE OBTAINED FROM OUTSIDE SOURCES, OUR DATABASE AND OFFICIAL. NO FURTHER DATA WAS AVAILABLE WITH SEVERAL SOURCES USUALLY INVESTIGATED. |
|
PUBLIC INFORMATION: |
|
NO DETRIMENTAL FILES WERE FOUND. |
FINANCIAL
INFORMATION
|
|
GENERAL BALANCE SHEETS AS OF 31/03/2012, 31/12/2011 AND 31/12/2010. |
|
( FIGURES ARE IN REAIS ). |
|
ASSETS |
|
|
|
|
CURRENT: |
31/03/2012 |
31/12/2011 |
31/12/2010 |
|
|
|
|
|
|
CASH |
16.377,97 |
4.283,39 |
4.178,85 |
|
BANKS |
269.611,79 |
1.572.747,47 |
743.899,70 |
|
INVESTMENTS |
8.317.656,12 |
7.261.524,71 |
2.926.107,34 |
|
CLIENTS |
6.560.468,23 |
104.689,49 |
|
|
ADVANCES |
599.174,11 |
418.992,12 |
84.626,28 |
|
RECOVERABLE TAXES |
14.992,52 |
11.036,26 |
3.516,19 |
|
PRE PAID EXPENSES |
37.983,24 |
44.871,19 |
14.950,02 |
|
INVENTORY |
2.953.647,12 |
1.082.225,81 |
|
|
OTHER |
66.420,00 |
41.400,00 |
|
|
IMPORTS IN PROGRESS |
|
3.828.471,02 |
|
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL CURRENT ASSETS |
18.836.331,10 |
14.370.241,46 |
3.777.278,38 |
|
FIXED ASSETS: |
|
|
|
|
|
|
|
|
|
FIXED ASSETS |
2.191.896,30 |
2.198.482,32 |
1.614.073,28 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL FIXED ASSETS |
2.191.896,30 |
2.198.482,32 |
1.614.073,28 |
|
|
================ |
================ |
================ |
|
TOTAL ASSETS |
21.028.227,40 |
16.568.723,78 |
5.391.351,66 |
|
LIABILITIES: |
|
|
|
|
CURRENT: |
31/03/2012 |
31/12/2011 |
31/12/2010 |
|
|
|
|
|
|
SUPPLIERS |
872.726,88 |
924.396,86 |
2.651.463,03 |
|
LABOR OBLIGATIONS |
459.639,22 |
361.993,13 |
83.371,35 |
|
TRIBUTARY OBLIGATIONS |
3.046.237,15 |
2.529.678,44 |
1.157.965,01 |
|
ADVANCE FROM CLIENTS |
129.496,42 |
124.183,29 |
|
|
LABOR PROVISIONS |
|
|
101.897,34 |
|
OTHER DEBTS |
5.092,66 |
31.511,53 |
2.689,06 |
|
IMPORTS PAYABLE |
6.354.138,72 |
3.355.168,48 |
|
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL CURRENT LIABILITIES |
10.867.331,05 |
7.326.931,73 |
3.997.385,79 |
|
LONG TERM
LIABILITIES: |
|
|
|
|
|
|
|
|
|
LOANS AND FINANCING |
2.275.919,71 |
2.216.168,66 |
100.000,00 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL LONG TERM LIABILITIES |
2.275.919,71 |
2.216.168,66 |
100.000,00 |
|
NET EQUITY: |
|
|
|
|
|
|
|
|
|
SHARE CAPITAL |
1.300.000,00 |
1.300.000,00 |
600.000,00 |
|
UNPAID CAPITAL |
|
|
-150.000,00 |
|
ACCRUED PROFIT (LOSS) |
6.584.976,64 |
5.725.623,39 |
843.965,87 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL NET EQUITY |
7.884.976,64 |
7.025.623,39 |
1.293.965,87 |
|
|
================ |
================ |
================ |
|
TOTAL LIABILITIES |
21.028.227,40 |
16.568.723,78 |
5.391.351,66 |
|
PROFIT AND LOSS ACCOUNTS AS OF 31/03/2012, 31/12/2011 AND 31/12/2010. |
|
( FIGURES ARE IN REAIS ). |
|
|
31/03/2012 |
31/12/2011 |
31/12/2010 |
|
|
|
|
|
|
GROSS SALES |
16.507.807,29 |
22.972.950,09 |
12.981.841,34 |
|
(-) TAXES ON SALES |
3.301.107,96 |
221.129,87 |
142.348,72 |
|
|
---------------- |
---------------- |
---------------- |
|
NET SALES |
13.206.699,33 |
22.751.820,22 |
12.839.492,62 |
|
(-) COST OF SOLD GOODS |
5.154.710,35 |
23.488,13 |
|
|
|
---------------- |
---------------- |
---------------- |
|
GROSS PROFIT |
8.051.988,98 |
22.728.332,09 |
12.839.492,62 |
|
OPERATING REVENUE (EXPENSE) |
-4.914.012,87 |
-10.999.638,69 |
-6.717.340,00 |
|
FINANCIAL REVENUE(EXPENSE) |
72.356,56 |
216.320,50 |
28.085,37 |
|
|
---------------- |
---------------- |
---------------- |
|
OPERATIONAL PROFIT (LOSS) |
3.210.332,67 |
11.945.013,90 |
6.150.237,99 |
|
NON-OPERATING RESULT |
|
|
-2.512,94 |
|
CONTRIBUTION/INCOME TAX |
-1.171.650,99 |
-2.728.627,82 |
-1.528.638,71 |
|
|
---------------- |
---------------- |
---------------- |
|
NET PROFIT (LOSS) |
2.038.681,68 |
9.216.386,08 |
4.619.086,34 |
|
MONTHLY SALES |
|||
|
|
2012 |
|
|
|
|
--------------------- |
|
|
|
JANUARY |
R$ 8.676.546,72 |
|
|
|
FEBRUARY |
R$ 3.959.188,65 |
|
|
|
MARCH |
R$ 3.686.451,92 |
|
|
|
APRIL |
R$ 3.407.761,86 |
|
|
|
MAY |
R$ 3.877.015,81 |
|
|
|
JUNE |
R$ 3.665.221,91 |
|
|
|
JULY |
|
|
|
|
AUGUST |
|
|
|
|
SEPTEMBER |
|
|
|
|
OCTOBER |
|
|
|
|
NOVEMBER |
|
|
|
|
DECEMBER |
|
|
|
|
TOTAL |
R$ 27.272.186,87 |
|
|
|
RATIOS: |
31/03/2012 |
31/12/2011 |
31/12/2010 |
|
QUICK RATIO |
1,46 |
|
1,81 |
|
,94 |
|
|
CURRENT RATIO |
1,73 |
|
1,96 |
|
,94 |
|
|
ACCOUNTS RECEIVABLE TURNOVER |
2,01 |
TIMES |
217,33 |
TIMES |
|
|
|
DAYS' SALES IN RECEIVABLES |
44,71 |
DAYS |
1,66 |
DAYS |
|
|
|
INVENTORY TURNOVER |
1,75 |
TIMES |
,02 |
TIMES |
|
|
|
ACCOUNTS PAYABLE PERIOD |
15,24 |
DAYS |
14.168,13 |
DAYS |
|
|
|
RETURN ON ASSETS |
,63 |
TIMES |
1,37 |
TIMES |
2,38 |
TIMES |
|
SALES TURNOVER ON NET EQUITY |
1,67 |
TIMES |
3,24 |
TIMES |
9,92 |
TIMES |
|
NET WORTH TIE-UP |
,28 |
|
,31 |
|
1,25 |
|
|
INDEBTEDNESS |
1,67 |
|
1,36 |
|
3,17 |
|
|
EQUITY RATIO |
37,50 |
% |
42,40 |
% |
24,00 |
% |
|
WORKING CAPITAL RATIO |
73,33 |
% |
96,13 |
% |
-5,51 |
% |
|
GENERAL SOLVENCY |
1,60 |
|
1,74 |
|
1,32 |
|
|
RETURN ON NET EQUITY |
25,86 |
% |
131,18 |
% |
356,97 |
% |
|
RETURN ON SALES (PROFIT MARGIN) |
15,44 |
% |
40,51 |
% |
35,98 |
% |
|
GROSS PROFIT MARGIN |
60,97 |
% |
99,90 |
% |
100,00 |
% |
|
OPERATIONAL RESULT |
24,31 |
% |
52,50 |
% |
47,90 |
% |
|
SALES TURNOVER ON LIABILITIES |
1,22 |
TIMES |
3,11 |
TIMES |
3,21 |
TIMES |
|
FOREIGN CURRENCY ON ASSETS |
|
|
|
|
|
|
|
FOREIGN CURRENCY ON LIABILITIES |
|
|
|
|
|
|
|
EXCHANGE RATE: |
|
|
US$ 1,00 = R$ 2,43 |
- OFFICIAL RATE ON 29/10/2014 |
|
US$ 1,00 = R$ 1,82 |
- OFFICIAL RATE ON 31/03/2012 |
|
US$ 1,00 = R$ 1,87 |
- OFFICIAL RATE ON 31/12/2011 |
|
US$ 1,00 = R$ 1,66 |
- OFFICIAL RATE ON 31/12/2010 |
COMMENTS
ON THE FINANCIAL INFORMATION
|
|
FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS. THE ANNUAL FIGURES AVAILABLE SHOW A SATISFACTORY FINANCIAL STANDING.
THE LEVEL OF INDEBTEDNESS IS HIGH BUT IT IS NOTED GOOD LIQUIDITY RATIOS AND
POSITIVE WORKING CAPITAL AMOUNT. IN ADDITION IT SHOWS HIGH GROWING SALES AND
PROFITABILITY. THE INTERIM FIGURES FOR MARCH 2012 SHOW THAT THE INDEBTEDNESS KEEPS
HIGH BUT THE LIQUIDITY KEEPS GOOD. IN ADDITION IT IS NOTED HIGH GROWING SALES
TREND AND THE OPERATIONS ARE PROFITABLE. |
|
REAL ESTATE: |
NOT AVAILABLE
|
VEHICLES: |
NOT AVAILABLE
|
MACHINES: |
NOT AVAILABLE
INSURANCE
|
|
NOT AVAILABLE. |
BANKING
REFERENCES
|
|
|
BRANCH/PHONE: |
|
|
BANCO DO BRASIL S/A |
1821 |
|
|
BANCO BRADESCO S/A |
|
|
|
BANCO SAFRA S/A |
|
|
|
REMARKS: IN BRAZIL THE BANKS ARE PROHIBITED BY LAW TO PROVIDE INFORMATION
OR ANY KIND OF COMMENTS ABOUT THEIR CLIENTS. DUE TO THIS LAW PROHIBITION WE
ARE UNABLE TO PROVIDE ANY BANKING DETAILS. ACCORDING TO THE CENTRAL BANK OF BRAZIL OFFICIAL REPORT, THE COMPANY
HAS NOT RETURNED CHECKS UP TO DATE. (IN THE TERMS OF "CIRCULAR 1682
BRAZILIAN CENTRAL BANK"). DATE RESEARCHED OCTOBER 29, 2014. |
ACTIVITIES
COMMENTS
|
|
IMPORT, EXPORT AND SALE OF GOODS IN GENERAL. MAIN PRODUCTS: TEXTILES, WEARING APPAREL AND COMPLEMENTS, TOYS, ELECTRONIC
ARTICLES, HOUSEHOLD UTENSILS, TOOLS, HARDWARE, LEATHER GOODS, IMITATION
JEWELRY, GIFTS, FOOD PRODUCTS, BEVERAGES, SPORTS GOODS, AUTOMOBILES,
MOTORCYCLES, SHIPS, PARTS AND ACCESSORIES FOR MOTOR VEHICLES, INDUSTRIAL
MACHINERY, CELLULOSE, PERFUMES, FURNITURE, OFFICE SUPPLIES AND STATIONERY. |
|
IMPORT AND
EXPORT: |
IMPORTS FROM:
|
NOT AVAILABLE. |
EXPORTS TO:
|
NOT AVAILABLE. |
|
MAIN CLIENTS: |
|
|
|
|
|
|
|
DOMESTIC
CLIENTS: |
|
|
|
NOT AVAILABLE. |
|
|
|
STAFF: |
|
|
|
THE COMPANY HAS: 76 EMPLOYEE(S) |
|
CONCEPT AND
FULFILMENT |
|
THE SUBJECT WAS ESTABLISHED IN 2006. SO FAR IT HAS A CLEAR TRADE
HISTORY AND GOOD PAYMENT BEHAVIOR. THE COMPANY HAS TRADE RELATIONS WITH SOME SUPPLIERS IN BRAZIL. THE SUPPLIERS
EXTEND CREDIT FACILITIES TO THE SUBJECT IN TERMS AND AMOUNTS ACCORDING TO THE
COMPANY'S NEEDS AND SO FAR NO PAYMENT PROBLEMS ARE NOTED. |
|
MAIN SUPPLIERS: |
|
|
|
|
|
|
|
DOMESTIC
SUPPLIERS: |
|
|
|
ALL PLANING ASSESSORIA ADMINISTRATIVA LTDA |
|
|
|
ENGEGRAF GRÁFICA E EDITORA LTDA |
|
|
|
RIPEL COM DE PAPEIS E MATERIAL DE ESCRITÓRIO |
|
|
|
SC EMPREENDIMENTOS IMOBIIÁRIOS SPE LTDA |
|
|
|
SYSCON INFORMATICA LTDA |
|
|
|
TATIANA CONFECÇÕES LTDA |
|
|
|
VIVAPEAN DESPACHOS ADUANEIROS E ASSESSORIA EMPRESARIAL |
|
|
PAYMENT
HISTORY
|
|
3 SUPPLIERS REPORTED PAYMENTS: |
|
TOTAL AMOUNT: R$ 93.992,00 |
|
|
|
AMOUNT OF INVOICES PAID: 64 |
|
TOTAL OF PROMPT PAYMENTS: 64,8% |
|
TOTAL OF DELAYED PAYMENTS: 35,2% |
|
|
|
HIGHEST INVOICE: R$ 6.546,00 |
|
HIGHEST CREDIT: R$ 6.546,00 |
|
|
|
OUTSTANDING
INVOICES DUE WITHIN THE NEXT 30 DAYS: |
|
--------------------------- |
SUPPLIERS: |
INVOICES: |
TOTAL AMOUNT: |
|
DUE WITHIN 30 DAYS |
1 |
2 |
R$ 454,37 |
FINAL
OPINION
|
|
BASED ON THE GENERAL INFORMATION AVAILABLE IT IS BELIEVED THAT GOOD
TRADE RELATIONS MAY BE ESTABLISHED. CREDIT FACILITIES MAY BE EXTENDED WITHIN
TERMS AND AMOUNTS ADEQUATE TO THE COMPANY'S FINANCIAL STRENGTH. GIVEN THE ABSENCE OF UPDATED FINANCIAL DATA A CREDIT LIMIT OF USD
100.000,00 MAY BE CONSIDERED. |
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.61.41 |
|
|
1 |
Rs.98.06 |
|
Euro |
1 |
Rs.77.19 |
INFORMATION DETAILS
|
Analysis Done by
: |
SUB |
|
|
|
|
Report Prepared
by : |
TPT |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.