MIRA INFORM REPORT

 

 

Report Date :

06.11.2014

 

IDENTIFICATION DETAILS

 

Name :

KALTENBACH & VOIGT GMBH

 

 

Registered Office :

Bismarckring 39, D 88400 Biberach

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

2003

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Management of holding companies

 

[We tried to confirm / obtain the detailed activity but the same is not available from any sources]

 

 

No of Employees :

180

 

 

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 – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, has contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

Source : CIA

 


COMPANY NAME & ADDRESS

 

KALTENBACH & VOIGT GMBH

 

 Company Status:         active

                                    Bismarckring 39

                                    D 88400 Biberach

Telephone:                    07351/560

Telefax:                        07351/561488

Homepage:                   www.kavo.de

E-mail:                          info@kavo.com

 

 VAT no.:                      DE814266551

 

 

CONCLUSION

 

 Business relations are permissible.

 

 

COMPANY SUMMARY

 

 Legal Form                  Private limited company

 Date of foundation:      2003

 Shareholders'

 agreement:                   12.11.2003

 Registered on:             28.07.2004

 Commercial Register:   Local court 89073 Ulm

 under:                          HRB 641815

 

 Share capital:              EUR             50,000.00

 

 

Shareholder

 

                      Danaher Verwaltungs GmbH

                      Uhlandstr. 49

                      D 78554 Aldingen

                      Legal form: Private limited company

                      Share capital:     EUR             75,000.00

                      Share:                 EUR             50,000.00

                      Registered on: 19.02.1997

                      Reg. data: 70190 Stuttgart, HRB 460866

                      Profit transfer agreement

 

Manager

 

                      Henner Friedrich Witte

                      Sebastiansbrunnstr. 2

                      D 82327 Tutzing

                      having sole power of representation

                      born: 21.12.1961

                      Profession: Businessman

                      Marital status: married

 Manager:

                      Ludger Althoff

                      D 33100 Paderborn

                      having sole power of representation

                      born: 08.05.1964

                      Profession: Businessman

 Manager:

                      Thomas Herrmann

                      D 89073 Ulm

                      having sole power of representation

                      born: 21.12.1970

 

 

Proxy

                    

                     Franz Häring

                      D 88400 Biberach

                      authorized to jointly represent the company

                      born: 10.08.1949

 Proxy:

                      Bernhard Berning

                      D 61348 Bad Homburg

                      authorized to jointly represent the company

                      born: 03.07.1958

 Proxy:

                      Norbert Glaeske

                      D 88454 Hochdorf

                      authorized to jointly represent the company

                      born: 22.10.1968

 Proxy:

                      Dirk Rachota

                      D 88400 Biberach

                      authorized to jointly represent the company

                      born: 08.06.1972

 Proxy:

                      Natalia Hess

                      D 72622 Nürtingen

                      authorized to jointly represent the company

                      born: 20.10.1979

 Proxy:

                      Bernd Schnakenberg

                      D 20095 Hamburg

                      authorized to jointly represent the company

                      born: 09.08.1962

 

 Further functions/participations of Henner Friedrich Witte

 (Manager)

 

Manager:

                      KaVo Dental GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR          8,181,000.00

                      Registered

                      on:         03.08.2004

                      Reg. data:  89073 Ulm, HRB 641816

 Manager:

                      Kurt Kaltenbach Stiftung GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR          2,000,000.00

                      Registered

                      on:         25.05.2005

                      Reg. data:  89073 Ulm, HRB 641879

 Manager:

                      Kerr Gesellschaft mit beschränkter Haftung

                      Murgstr. 1 /14

                      D 76437 Rastatt

                      Legal form: Private limited company

                      Share capital:     EUR            153,387.56

                      Registered

                      on:         26.06.1972

                      Reg. data:  68159 Mannheim, HRB 522335

 

 Further functions/participations of Ludger Althoff (Manager)

 Manager:

                      KaVo Dental GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR          8,181,000.00

                      Registered

                      on:         03.08.2004

                      Reg. data:  89073 Ulm, HRB 641816

 


 Further functions/participations of Thomas Herrmann (Manager)

 Manager:

                      KaVo Dental GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR          8,181,000.00

                      Registered

                      on:         03.08.2004

                      Reg. data:  89073 Ulm, HRB 641816

 Manager:

                      Kaltenbach & Voigt Holding GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         25.11.2008

                      Reg. data:  89073 Ulm, HRB 722861

 Manager:

                      Instrumentarium Dental GmbH

                      Schutterstr. 12

                      D 77746 Schutterwald

                      Legal form: Private limited company

                      Share capital:     EUR            128,000.00

                      Registered

                      on:         15.12.1998

                      Reg. data:  79098 Freiburg, HRB 371590

 Manager:

                      Danaher Verwaltungs GmbH

                      Uhlandstr. 49

                      D 78554 Aldingen

                      Legal form: Private limited company

                      Share capital:     EUR             75,000.00

                      Registered

                      on:         19.02.1997

                      Reg. data:  70190 Stuttgart, HRB 460866

 Manager:

                      Kurt Kaltenbach Stiftung GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR          2,000,000.00

                      Registered

                      on:         25.05.2005

                      Reg. data:  89073 Ulm, HRB 641879

 Manager:

                      KaVo Dental Holding GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR             50,000.00

                      Registered

                      on:         18.06.2010

                      Reg. data:  89073 Ulm, HRB 725203

 

 

COMPANY HISTORY

 

 12.12.2003 - 24.03.2004            Halde Siebenundachzigste

                                                Verwaltungsgesellschaft mbH (AG München

                                                - HRB 150410)

                                                Blütenstr. 21

                                                D 80799 München

                                                Private limited company

 24.03.2004 - 28.07.2004            Danaher Dental Systems GmbH

                                                Uhlandstr. 49

                                                D 78554 Aldingen

                                                Private limited company

 28.07.2004 - 05.10.2004            Danaher Dental Systems GmbH

                                                Bismarckring 39

                                                D 88400 Biberach

                                                Private limited company

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 24.04.2008 - 24.09.2014            Manager

                                                Colin Ernest Davis

                                                GB - London

 

 

BUSINESS ACTIVITIES

 

 Main industrial sector

 70101                                      Management of holding companies

 

 

PARTICIPATIONS

 

 Shareholder:

                      KaVo Dental GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          8,181,000.00

                      Share:             EUR          8,181,000.00

                      Reg. data:  03.08.2004

                                  Local court 89073 Ulm

                                  HRB 641816

 Shareholder:

                      ALLTEC Angewandte Laserlicht Technologie

                      Gesellschaft mit beschränkter Haftung

                      An der Trave 27-31

                      D 23923 Selmsdorf

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          1,402,933.79

                      Share:             EUR          1,318,621.76

                      Reg. data:  21.01.2003

                                  Local court 19053 Schwerin

                                  HRB 7884

 Shareholder:

                      Radiometer GmbH

                      Linsellesstr. 142

                      D 47877 Willich

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          2,045,200.00

                      Share:             EUR          2,045,200.00

                      Reg. data:  05.08.1991

                                  Local court 47798 Krefeld

                                  HRB 4505

 Shareholder:

                      Kurt Kaltenbach Stiftung GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          2,000,000.00

                      Share:             EUR          2,000,000.00

                      Reg. data:  25.05.2005

                                  Local court 89073 Ulm

                                  HRB 641879

 Shareholder:

                      KOLLMORGEN Europe GmbH

                      Pempelfurtstr. 1

                      D 40880 Ratingen

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            238,000.00

                      Share:             EUR            238,000.00

                      Reg. data:  03.04.1998

                                  Local court 40227 Düsseldorf

                                  HRB 35844

 Shareholder:

                      Kaltenbach & Voigt Holding GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Reg. data:  25.11.2008

                                  Local court 89073 Ulm

                                  HRB 722861

 Shareholder:

                      Danaher Evolution GmbH

                      Bismarckring 39

                      D 88400 Biberach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Reg. data:  16.06.2005

                                  Local court 89073 Ulm

                                  HRB 641890

 

 

 Payment experience:    within periods customary in this trade

 

 Negative information:   We have no negative information at hand.

 

 

REAL ESTATE

 

 Type of ownership:       Tenant

 Address                       Bismarckring 39

                                    D 88400 Biberach

 

 Land register documents were not available.

 

 

BANKERS

 

 Principal bank

 DEUTSCHE BANK, 88382 BIBERACH AN DER RIß

 Sort. code: 63070088

 BIC: DEUTDESS630

 

 

FINANCIAL FIGURES

 

 Turnover:            2012               EUR         32,830,005.00

 Profit:              2012               EUR         38,062,693.00

 Equipment:                              EUR          1,510,743.00

 Ac/ts receivable:                       EUR        980,902,953.00

 Liabilities:                            EUR      1,671,702,729.00

 Employees:                                                    180

 

 Profit transfer agreement to:

                      Danaher Verwaltungs GmbH

                      Uhlandstr. 49

                      D 78554 Aldingen

 

 

BALANCE SHEETS

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 11.43

 Liquidity ratio:                   0.45

 Return on total capital [%]:       2.05

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                  9.09

 Liquidity ratio:                   0.46

 Return on total capital [%]:       3.48

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                  3.41

 Liquidity ratio:                   0.51

 Return on total capital [%]:       7.88

 

 Balance sheet ratios 01.01.2009 - 31.12.2009

 Equity ratio [%]:                 11.65

 Liquidity ratio:                   0.05

 Return on total capital [%]:      -0.89

 

 Equity ratio

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 Liquidity ratio

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 Return on total capital

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

 

 Type of balance

 sheet:                                   Company balance sheet

 

 Financial year:                          01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR      2,141,007,070.10

  Fixed assets                           EUR      1,078,836,908.16

   Intangible assets                     EUR          6,905,966.15

    Concessions, licences, rights        EUR          6,353,607.71

    Advance payments for intang. assets  EUR            552,358.44

   Tangible assets                       EUR         15,045,903.50

    Land / similar rights                EUR         13,193,336.28

    Plant / machinery                    EUR              2,150.05

    Other tangible assets / fixtures and

    fittings                             EUR          1,510,743.49

    Advance payments made / construction

    in progress                          EUR            339,673.68

   Financial assets                      EUR      1,056,885,038.51

    Shares in participations /

    subsidiaries and the like            EUR      1,056,885,038.51

     Shares in related companies         EUR      1,056,885,038.51

  Current assets                         EUR      1,061,963,462.48

   Stocks                                EUR             22,703.38

    Finished goods / work in progress    EUR             22,703.38

   Accounts receivable                   EUR        980,902,953.43

    Amounts due from related companies   EUR        980,283,874.81

    Other debtors and assets             EUR            619,078.62

   Liquid means                          EUR         81,037,805.67

  Remaining other assets                 EUR            206,699.46

   Accruals (assets)                     EUR            206,699.46

 

 LIABILITIES                             EUR      2,141,007,070.10

  Shareholders' equity                   EUR        458,286,330.15

   Capital                               EUR             50,000.00

    Subscribed capital (share capital)   EUR             50,000.00

   Reserves                              EUR        458,236,330.15

    Capital reserves                     EUR        458,236,330.15

  Provisions                             EUR         11,018,011.18

   Pension provisions and comparable

   provisions                            EUR          8,197,058.25

   Other / unspecified provisions        EUR          2,820,952.93

  Liabilities                            EUR      1,671,702,728.77

   Financial debts                       EUR        293,014,423.46

    Liabilities due to banks             EUR        293,014,423.46

   Other liabilities                     EUR      1,378,688,305.31

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR            886,571.97

    Liabililties due to related companiesEUR      1,377,583,766.18

    Unspecified other liabilities        EUR            217,967.16

     thereof liabilities from tax /

     financial authorities               EUR            201,656.14

     thereof liabilities from social

     security                            EUR              3,133.43

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR         32,830,005.25

  Inventory change + own costs (+/-)     EUR             53,190.00

   Capitalised own costs                 EUR             53,190.00

  Other operating income                 EUR            190,641.00

  Gross result (+/-)                     EUR         33,073,836.25

  Staff expenses                         EUR         15,355,770.97

   Wages and salaries                    EUR         13,023,395.92

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          2,332,375.05

  Total depreciation                     EUR          4,456,502.16

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          4,456,502.16

  Other operating expenses               EUR          8,527,467.91

  Operating result from continuing

  operations                             EUR          4,734,095.21

  Result from participating interests

  (+/-)                                  EUR         58,742,323.89

   Expenses / income from participations EUR         58,742,323.89

    Income from transfer of profits      EUR         58,742,323.89

  Interest result (+/-)                  EUR        -25,334,920.90

   Interest and similar income           EUR          8,461,878.75

    thereof from related companies       EUR          8,385,386.01

   Interest and similar expenses         EUR         33,796,799.65

    thereof paid to related companies    EUR         32,692,734.39

  Financial result (+/-)                 EUR         33,407,402.99

  Result from ordinary operations (+/-)  EUR         38,141,498.20

  Expenses for transfer of profits to a

  parent company                         EUR         38,062,692.86

  Income tax / refund of income tax (+/-)EUR             -2,452.36

  Other taxes / refund of taxes          EUR            -76,352.98

  Tax (+/-)                              EUR            -78,805.34

  Annual surplus / annual deficit        EUR                  0.00

 

 Type of balance

 sheet:                                   Company balance sheet

 

 Financial year:                          01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR      2,058,973,290.74

  Fixed assets                           EUR      1,006,342,940.41

   Intangible assets                     EUR          9,123,648.87

    Concessions, licences, rights        EUR          8,234,836.82

    Advance payments for intang. assets  EUR            888,812.05

   Tangible assets                       EUR         15,291,039.94

    Land / similar rights                EUR         13,731,728.17

    Plant / machinery                    EUR              2,460.85

    Other tangible assets / fixtures and

    fittings                             EUR          1,505,566.92

    Advance payments made / construction

    in progress                          EUR             51,284.00

   Financial assets                      EUR        981,928,251.60

    Shares in participations /

    subsidiaries and the like            EUR        981,928,251.60

     Shares in related companies         EUR        981,928,251.60

  Current assets                         EUR      1,052,391,546.22

   Stocks                                EUR             22,703.38

    Finished goods / work in progress    EUR             22,703.38

   Accounts receivable                   EUR      1,022,282,088.07

    Amounts due from related companies   EUR      1,021,726,359.23

    Other debtors and assets             EUR            555,728.84

   Liquid means                          EUR         30,086,754.77

  Remaining other assets                 EUR            238,804.11

   Accruals (assets)                     EUR            238,804.11

 

 LIABILITIES                             EUR      2,058,973,290.74

  Shareholders' equity                   EUR        410,428,021.55

   Capital                               EUR             50,000.00

    Subscribed capital (share capital)   EUR             50,000.00

   Reserves                              EUR        410,378,021.55

    Capital reserves                     EUR        410,378,021.55

  Provisions                             EUR         11,181,534.50

   Pension provisions and comparable

   provisions                            EUR          7,861,361.97

   Other / unspecified provisions        EUR          3,320,172.53

  Liabilities                            EUR      1,637,363,734.69

   Financial debts                       EUR        260,187,820.59

    Liabilities due to banks             EUR        260,187,820.59

   Other liabilities                     EUR      1,377,175,914.10

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR            778,660.76

    Liabililties due to related companiesEUR      1,376,176,669.90

    Unspecified other liabilities        EUR            220,583.44

     thereof liabilities from tax /

     financial authorities               EUR            203,733.92

     thereof liabilities from social

     security                            EUR              6,266.85

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR         32,515,117.05

  Inventory change + own costs (+/-)     EUR             48,336.80

   Capitalised own costs                 EUR             48,336.80

  Other operating income                 EUR            220,202.97

  Gross result (+/-)                     EUR         32,783,656.82

  Staff expenses                         EUR         15,057,850.89

   Wages and salaries                    EUR         12,869,199.09

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          2,188,651.80

  Total depreciation                     EUR          4,501,353.84

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          4,501,353.84

  Other operating expenses               EUR          8,720,150.70

  Operating result from continuing

  operations                             EUR          4,504,301.39

  Result from participating interests

  (+/-)                                  EUR         77,729,533.71

   Expenses / income from participations EUR         77,729,533.71

    Income from transfer of profits      EUR         77,729,533.71

  Interest result (+/-)                  EUR        -21,737,384.96

   Interest and similar income           EUR         19,410,310.24

    thereof from related companies       EUR         19,261,195.81

   Interest and similar expenses         EUR         41,147,695.20

    thereof paid to related companies    EUR         38,072,419.20

  Other financial result                 EUR                  0.00

   Income from securities and loans from

   financial assets                      EUR                  0.00

    thereof related companies            EUR                  0.00

  Financial result (+/-)                 EUR         55,992,148.75

  Result from ordinary operations (+/-)  EUR         60,496,450.14

  Expenses for transfer of profits to a

  parent company                         EUR         60,716,155.54

  Income tax / refund of income tax (+/-)EUR            297,188.00

  Other taxes / refund of taxes          EUR            -77,482.60

  Tax (+/-)                              EUR            219,705.40

  Annual surplus / annual deficit        EUR                  0.00

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.39

UK Pound

1

Rs.98.00

Euro

1

Rs.76.98               

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

SMN

 

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

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NB

                                       New Business

 

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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.