MIRA INFORM REPORT

 

 

 

 

Report Date :

27.11.2014

 

IDENTIFICATION DETAILS

 

Name :

FOUNDATION OF TRADE UNION

 

 

Registered Office :

225, BVD 13, Janvier BE-Kpehenou

 

 

Country :

Togo

 

 

Year of Establishments :

2005

 

 

Legal Form :

Limited Corporation 

 

 

Line of Business :

Subject operate as general traders dealing with building and construction materials such as ceramic wall and floor tile as well as furniture products

 

 

No of Employees :

10

 

 

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 :

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 – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Togo

C2

B2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

Togo ECONOMIC OVERVIEW

 

This small, sub-Saharan economy depends heavily on both commercial and subsistence agriculture, which provides employment for a significant share of the labor force. Some basic foodstuffs must still be imported. Cocoa, coffee, and cotton generate about 40% of export earnings with cotton being the most important cash crop. Togo is among the world's largest producers of phosphate and Togo seeks to develop its carbonate phosphate reserves. The government's decade-long effort, supported by the World Bank and the IMF, to implement economic reform measures, encourage foreign investment, and bring revenues in line with expenditures has moved slowly. Progress depends on follow through on privatization, increased openness in government financial operations, progress toward legislative elections, and continued support from foreign donors. Foreign direct investment inflows have slowed over recent years. Togo completed its IMF Extended Credit Facility in 2011 and reached a HIPC debt relief completion point in 2010 at which 95% of the country's debt was forgiven. Togo continues to work with the IMF on structural reforms

 

Source : CIA

 

 

 

 

SUBJECT'S NAME   

 

Registered Name:                                   FOUNDATION OF TRADE UNION

Requested Name:                                   FOUNDATION OF TRADE UNION

Other Names:                                          FOUNDATION OF TRADE UNION ASSOCIATION (F T U A)

 

 

ADDRESS AND TELECOMMUNICATION

 

Physical Address:                                   225, BVD 13, Janvier BE-Kpehenou

Postal Address:                                      BP 13870

                                                              Lome Centrale Ville,

Country:                                                 Togo

Phone:                                                   228-22072699

Cell:                                                       228-90152872/9733880

Fax:                                                       228-22072699

Email:                                                     ftutg1980@mail2togo.com / ftutg1980@gmail.com

Website:                                                 None

 

 

CREDIT OPINION

 

Financial Index as of December 2013 shows subject firm with a high risk of credit.

 

 

LEGAL

 

Legal Form:                                                     Limited Corporation 

Date Incorporated:                                           2005

Reg. Number:                                                  Togo

Nominal Capital                                                CFA. 1,000,000

Subscribed Capital                                           CFA. 1,000,000

 

Subscribed Capital is Subscribed in the following form:

                                                                       Position                          Shares

Mr. Jesse Ojii                                                   Director                          

 

                                                                                                             

RELATED COMPANIES  

 

None                                                               Parent company.

None                                                               Subsidiary company.

None                                                               Affiliated company.

None                                                               Shareholder of subject firm.

None                                                               Branches of the firm

OPERATIONS

 

Registered to operate as general traders dealing with building and construction materials such as ceramic wall and floor tile as well as furniture products

Imports:                                                           Asia

Exports:                                                          None

Trademarks:                                                     None

Terms of sale:                                                  Cash (80%) and 25-90 days (20%), invoices.

                                                                      

Main Customers:                                              Local agencies, stores etc  

Employees:                                                     10 employees.

Vehicles:                                                         Several motor vehicles.

Territory of sales:                                             Togo

Location:                                                         Rented premises, 1,500 square feet,

 

 

AUDITORS AND INSURANCE   

 

Auditors:                                                         Information not available.

Insurance Brokers:                                            Information not available.

                                                                      

 

FINANCE 

 

Currency Reported:                                          West African Franc (CFA.)

Approx. Ex. Rate:                                            1 US Dollar = 527.47 West African Franc

Fiscal Year End:                                              December 31, 2013

Inflation:                                                          According to information given by independent sources, the

                                                                       inflation at December 31st, 2013 was of 13%.

 

Financial Information not Submitted                 

                                                                      

 

BANK 

 

Bank Name:                                                     Union Togolaise De Banque

Branch:                                                            UTB Centrale BP, 359, Lome, Togo

Telephone:                                                       228-2234300

SWIFT:                                                            UNTBTGTG

Comments:                                                      None

                                                                      

 


COMMENTS / ADDITIONAL INFORMATION    

 

This information was obtained from outside sources other than the subject company itself.

 

We are having difficulty in getting factual information on subject company.  Subject has refused to provide information and we are having difficulty in getting subject’s file at the Registrar of companies office.  It should however be noted that at the moment the office of the Registrar of companies is not very efficient and hence are not properly maintained and files are missing.  The Index at the Registrar of Companies is not upto date.


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.87

UK Pound

1

Rs.97.23

Euro

1

Rs.77.21

 

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.