MIRA INFORM REPORT

 

 

Report Date :

28.11.2014

 

IDENTIFICATION DETAILS

 

Name :

GLOBE CHEMICALS GMBH

 

 

Registered Office :

Spohrstr. 2 D 22083 Hamburg

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

04.09.1984

 

 

Legal Form :

Private limited company

 

 

Line of Business :

Wholesale of chemical products

 

 

No. of Employees :

29

 

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 and address

 

GLOBE CHEMICALS GMBH

 

 Company Status:          active

Spohrstr. 2

D 22083 Hamburg

Telephone:040/271525-0

Telefax:  040/271525-25

Homepage: www.globe-chemicals.com

E-mail:   info@globe-chemicals.com

 

 VAT no.:                      DE118704050

 Tax ID number:                71/860/01782

 

 

 CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM               Private limited company

 Date of foundation:       04.09.1984

 Shareholders'

 agreement:                   04.09.1984

 Registered on:              09.10.1984

 Commercial Register:   Local court 20355 Hamburg

 under:                          HRB 33240

 

 Share capital:                          EUR          2,900,000.00

 

 Shareholder:

                      Kesting Holding GmbH

                      Bellevue 40

                      D 22301 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             60,000.00

                      Share:             EUR          1,940,000.00

                      Registered on: 13.12.2012

                      Reg. data: 20355 Hamburg, HRB 125606

 Shareholder:

                      Olaf Busch

                      D 22083 Hamburg

                      born: 20.10.1967

                      Share:             EUR            525,000.00

 Shareholder:

                      Herbert Braasch

                      Hagenau 62

                      D 22089 Hamburg

                      born: 09.03.1947

                      Share:             EUR            435,000.00

 Manager:

                      Klaus Wilhelm Kesting

                      Bellevue 40

                      D 22301 Hamburg

                      having sole power of representation

                      born: 28.12.1943

                      Profession: Businessman

                      Marital status: married

 Manager:

                      Herbert Braasch

                      Hagenau 62

                      D 22089 Hamburg

                      having sole power of representation

                      born: 09.03.1947

                      Profession: Businessman

                      Marital status: married

 Manager:

                      Olaf Busch

                      D 22083 Hamburg

                      having sole power of representation

                      born: 20.10.1967

 Manager:

                      Kai-Philippe Kesting

                      D 22083 Hamburg

                      having sole power of representation

                      born: 17.06.1976

                      Nationality: Mexican

 Proxy:

                      Dirk Begier

                      D 22969 Witzhave

                      authorized to jointly represent the company

                      born: 16.02.1966

 

 Further functions/participations of Klaus Wilhelm Kesting

 (Manager)

 Limited partner:

                      Grundstücksgesellschaft Quedlinburg UG

                      (haftungsbeschränkt) & Co. KG

                      Humboldtstr. 62

                      D 22083 Hamburg

                      Legal form: Ltd.partners. w.entrepreneur

                                  comp.(ltd.liability)gen.partner

                      Total cap.         EUR             30,680.51

                      contribution:

                      Share:             EUR             13,654.49

                      Registered

                      on:         02.03.1999

                      Reg. data:  20355 Hamburg, HRA 92760

 Limited partner:

                      P-S-A Grundstücksgesellschaft Averhoffstr. 3

                      mbH & Co. KG

                      Sierichstr. 17

                      D 22301 Hamburg

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Total cap.         EUR              2,000.00

                      contribution:

                      Share:             EUR              1,000.00

                      Registered

                      on:         07.03.2008

                      Reg. data:  20355 Hamburg, HRA 107962

 Shareholder:

                      Kesting Holding GmbH

                      Bellevue 40

                      D 22301 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             60,000.00

                      Share:             EUR             51,000.00

                      Registered

                      on:         13.12.2012

                      Reg. data:  20355 Hamburg, HRB 125606

 Shareholder:

                      CYQUEST GmbH

                      Lokstedter Steindamm 61a

                      D 22529 Hamburg

                      Post Box:

                      60 55 52, D 22250 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR              6,200.00

                      Registered

                      on:         25.09.2001

                      Reg. data:  20355 Hamburg, HRB 81461

 Shareholder:

                      Quedlinburg Immobilien UG

                      (haftungsbeschränkt)

                      Humboldtstr. 62

                      D 22083 Hamburg

                      Legal form: Entrepreneur Company (limited

                                  liability)

                      Share capital:     EUR                900.00

                      Share:             EUR                300.00

                      Registered

                      on:         10.04.2013

                      Reg. data:  20355 Hamburg, HRB 127047

 Manager:

                      Kompanie Ultramar Sievers & Co. G.m.b.H.

                      Spohrstr. 2

                      D 22083 Hamburg

                      Post Box:

                      11 12 44

                      Legal form: Private limited company

                      Share capital:     EUR            383,468.91

                      Registered

                      on:         08.02.1965

                      Reg. data:  20355 Hamburg, HRB 10805

 Manager:

                      Trees for People GmbH

                      Spohrstr. 2

                      D 22083 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR            900,000.00

                      Registered

                      on:         24.09.2001

                      Reg. data:  20355 Hamburg, HRB 81436

 Manager:

                      Kesting Holding GmbH

                      Bellevue 40

                      D 22301 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             60,000.00

                      Registered

                      on:         13.12.2012

                      Reg. data:  20355 Hamburg, HRB 125606

 Member of the Board of Directors:

                      Kesting-Fischer gemeinnützige Stiftungs AG

                      Curienstr. 2

                      D 20095 Hamburg

                      Legal form: Public limited company

                      Share capital:     EUR             50,000.00

                      Registered

                      on:         03.04.2008

                      Reg. data:  20355 Hamburg, HRB 104799

 

 Further functions/participations of Herbert Braasch (Manager)

 Shareholder:

                      CYQUEST GmbH

                      Lokstedter Steindamm 61a

                      D 22529 Hamburg

                      Post Box:

                      60 55 52, D 22250 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR                700.00

                      Registered

                      on:         25.09.2001

                      Reg. data:  20355 Hamburg, HRB 81461

 Manager:

                      Kompanie Ultramar Sievers & Co. G.m.b.H.

                      Spohrstr. 2

                      D 22083 Hamburg

                      Post Box:

                      11 12 44

                      Legal form: Private limited company

                      Share capital:     EUR            383,468.91

                      Registered

                      on:         08.02.1965

                      Reg. data:  20355 Hamburg, HRB 10805

 Manager:

                      Trees for People GmbH

                      Spohrstr. 2

                      D 22083 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR            900,000.00

                      Registered

                      on:         24.09.2001

                      Reg. data:  20355 Hamburg, HRB 81436

 

 Further functions/participations of Olaf Busch (Manager)

 Manager:

                      Kompanie Ultramar Sievers & Co. G.m.b.H.

                      Spohrstr. 2

                      D 22083 Hamburg

                      Post Box:

                      11 12 44

                      Legal form: Private limited company

                      Share capital:     EUR            383,468.91

                      Registered

                      on:         08.02.1965

                      Reg. data:  20355 Hamburg, HRB 10805

 Manager:

                      Trees for People GmbH

                      Spohrstr. 2

                      D 22083 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR            900,000.00

                      Registered

                      on:         24.09.2001

                      Reg. data:  20355 Hamburg, HRB 81436

 

 Further functions/participations of Kai-Philippe Kesting

 (Manager)

 Shareholder:

                      Kesting Holding GmbH

                      Bellevue 40

                      D 22301 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             60,000.00

                      Share:             EUR              6,000.00

                      Registered

                      on:         13.12.2012

                      Reg. data:  20355 Hamburg, HRB 125606

 Manager:

                      Trees for People GmbH

                      Spohrstr. 2

                      D 22083 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR            900,000.00

                      Registered

                      on:         24.09.2001

                      Reg. data:  20355 Hamburg, HRB 81436

 Manager:

                      Kesting Holding GmbH

                      Bellevue 40

                      D 22301 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             60,000.00

                      Registered

                      on:         13.12.2012

                      Reg. data:  20355 Hamburg, HRB 125606

 Manager:

                      Kompanie Ultramar Sievers & Co. G.m.b.H.

                      Spohrstr. 2

                      D 22083 Hamburg

                      Post Box:

                      11 12 44

                      Legal form: Private limited company

                      Share capital:     EUR            383,468.91

                      Registered

                      on:         08.02.1965

                      Reg. data:  20355 Hamburg, HRB 10805

 

 

 COMPANY HISTORY

 

 09.10.1984 - 08.05.1988  Globe Specialities

                          Fabrikationpharmazeutischer Präparate

                          GmbH

                          Spohrstr. 2

                          D 22083 Hamburg

                          Private limited company

 09.05.1988 - 07.10.1988  Globe Industriechemikalien GmbH (HRB

                          31043 AG Hamburg)

                          Spohrstr. 2

                          D 22083 Hamburg

                          Private limited company

 07.10.1988 - 21.03.1997  GLOBE Food International GmbH (HRB 52951

                          AG Hamburg)

                          Spohrstr. 2

                          D 22083 Hamburg

                          Private limited company

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 46750   Wholesale of chemical products

 

 

 PARTICIPATIONS

 

 Limited partner:

                      Agrar Wildberg Vertriebs-GmbH & Co. KG

                      Wächtersbergstr. 55

                      D 72218 Wildberg

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR             53,839.04

                      contribution:

                      Share:             EUR              2,709.85

                      Reg. data:  11.12.1997

                                  Local court 70190 Stuttgart

                                  HRA 341050

 Shareholder:

                      Trees for People GmbH

                      Spohrstr. 2

                      D 22083 Hamburg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            900,000.00

                      Share:             EUR            900,000.00

                      Reg. data:  24.09.2001

                                  Local court 20355 Hamburg

                                  HRB 81436

 Shareholder:

                      Kompanie Ultramar Sievers & Co. G.m.b.H.

                      Spohrstr. 2

                      D 22083 Hamburg

                      Post Box:

                      11 12 44

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            383,468.91

                      Share:             EUR            383,468.91

                      Reg. data:  08.02.1965

                                  Local court 20355 Hamburg

                                  HRB 10805

 

 

 FINANCIAL INFORMATION

 

 

 Payment experience:  within agreed terms

 

 Negative information:We have no negative information at hand.

 

 

BALANCE SHEET YEAR:  2012

 

 

 REAL ESTATE

 

 Type of ownership:         Tenant

 Address                       Spohrstr. 2

                                    D 22083 Hamburg

 

 Real Estate of:             Klaus Wilhelm Kesting

 Type of ownership:       proprietor

 Share:                          100.00 %

 Address                       Bellevue 40

                                    D 22301 Hamburg

 

 Real Estate of:             Herbert Braasch

 Type of ownership:       Tenant

 Address                       Hagenau 62

                                      D 22089 Hamburg

 

 Land register documents were not available.

 


 

 BANKERS

 

 Principal bank

 DEUTSCHE BANK, 20079 HAMBURG

 Sort. code: 20070000

 BIC: DEUTDEHHXXX

 

 Further bank

 COMMERZBANK VORMALS DRESDNER BANK, 20349 HAMBURG

 Sort. code: 20080000

 BIC: DRESDEFF200

 

 

 FINANCIAL FIGURES

 

 Turnover:            2012               EUR         96,407,866.00

                      2013               EUR         96,410,000.00

 Profit:              2012               EUR          1,528,898.00

 further business figures:

 Equipment:                              EUR            120,960.00

 Ac/ts receivable:                       EUR         15,003,716.00

 Liabilities:                            EUR         12,397,772.00

 Employees:                                                     29

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 32.16

 Liquidity ratio:                   1.29

 Return on total capital [%]:       7.63

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 31.31

 Liquidity ratio:                   1.44

 Return on total capital [%]:       4.70

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                 20.12

 Liquidity ratio:                   0.97

 Return on total capital [%]:       4.46

 

 Balance sheet ratios 01.01.2009 - 31.12.2009

 Equity ratio [%]:                 21.83

 Liquidity ratio:                   1.18

 Return on total capital [%]:       1.01

 

 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         20,027,497.57

  Fixed assets                           EUR          1,285,689.77

   Intangible assets                     EUR            230,561.00

    Concessions, licences, rights        EUR            230,561.00

   Tangible assets                       EUR            120,959.50

    Other tangible assets / fixtures and

    fittings                             EUR            120,959.50

   Financial assets                      EUR            934,169.27

    Shares in participations /

    subsidiaries and the like            EUR            934,169.27

     Shares in related companies         EUR            881,459.42

     Shares in investee companies        EUR             52,709.85

  Current assets                         EUR         18,649,012.20

   Stocks                                EUR          2,917,725.70

    Finished goods / work in progress    EUR          2,877,366.24

    Advance payments made                EUR            156,529.22

    Minus received advance payments for

    orders / installments for stocks     EUR           -116,169.76

   Accounts receivable                   EUR         15,003,716.33

    Trade debtors                        EUR         13,827,060.49

    Amounts due from related companies   EUR            530,453.88

    Other debtors and assets             EUR            646,201.96

   Liquid means                          EUR            727,570.17

  Remaining other assets                 EUR             92,795.60

   Accruals (assets)                     EUR             92,795.60

 

 LIABILITIES                             EUR         20,027,497.57

  Shareholders' equity                   EUR          6,440,511.04

   Capital                               EUR          2,900,000.00

    Subscribed capital (share capital)   EUR          2,900,000.00

   Balance sheet profit/loss (+/-)       EUR          3,540,511.04

    Balance sheet profit / loss          EUR          3,540,511.04

  Provisions                             EUR            977,914.24

   Pension provisions and comparable

   provisions                            EUR             84,757.24

   Other / unspecified provisions        EUR            893,157.00

  Liabilities                            EUR         12,397,772.29

   Financial debts                       EUR          3,721,119.81

    Liabilities due to banks             EUR          3,721,119.81

   Other liabilities                     EUR          8,676,652.48

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          7,613,289.40

    Liabililties due to related companiesEUR            512,695.68

    Unspecified other liabilities        EUR            550,667.40

     thereof liabilities from tax /

     financial authorities               EUR            235,000.00

  Other liabilities                      EUR            211,300.00

   Deferred taxes (not included under

   provisions/liabilities)               EUR            211,300.00

 

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

 Code (HGB)

  Sales                                  EUR         96,407,866.45

  Other operating income                 EUR          1,445,792.34

  Cost of materials                      EUR         90,210,147.24

   Raw materials and supplies, purchased

   goods                                 EUR         85,871,348.02

   Purchased services                    EUR          4,338,799.22

  Gross result (+/-)                     EUR          7,643,511.55

  Staff expenses                         EUR          2,528,637.45

   Wages and salaries                    EUR          2,344,131.53

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR            184,505.92

  Total depreciation                     EUR             80,581.15

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR             80,581.15

  Other operating expenses               EUR          2,169,331.86

  Operating result from continuing

  operations                             EUR          2,864,961.09

  Interest result (+/-)                  EUR           -643,259.52

   Interest and similar income           EUR            132,814.15

    thereof from related companies       EUR             48,000.00

   Interest and similar expenses         EUR            776,073.67

    thereof paid to related companies    EUR             49,000.00

  Financial result (+/-)                 EUR           -643,259.52

  Result from ordinary operations (+/-)  EUR          2,221,701.57

  Income tax / refund of income tax (+/-)EUR           -690,217.21

  Other taxes / refund of taxes          EUR             -2,586.61

  Tax (+/-)                              EUR           -692,803.82

  Annual surplus / annual deficit        EUR          1,528,897.75

 

 

 TYPE OF BALANCE SHEET:                                       COMPANY BALANCE SHEET

 

 FINANCIAL YEAR:                                           01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR         18,083,502.35

  Fixed assets                           EUR          1,240,693.77

   Intangible assets                     EUR            236,707.00

    Concessions, licences, rights        EUR            236,707.00

   Tangible assets                       EUR             69,817.50

    Other tangible assets / fixtures and

    fittings                             EUR             69,817.50

   Financial assets                      EUR            934,169.27

    Shares in participations /

    subsidiaries and the like            EUR            934,169.27

     Shares in related companies         EUR            881,459.42

     Shares in investee companies        EUR             52,709.85

  Current assets                         EUR         16,626,317.50

   Stocks                                EUR            905,109.61

    Finished goods / work in progress    EUR            807,391.95

    Advance payments made                EUR            174,226.70

    Minus received advance payments for

    orders / installments for stocks     EUR            -76,509.04

   Accounts receivable                   EUR         15,306,283.12

    Trade debtors                        EUR         14,329,207.31

    Amounts due from related companies   EUR            760,520.23

    Other debtors and assets             EUR            216,555.58

   Liquid means                          EUR            414,924.77

  Remaining other assets                 EUR            216,491.08

   Accruals (assets)                     EUR            216,491.08

 

 LIABILITIES                             EUR         18,083,502.35

  Shareholders' equity                   EUR          5,661,613.29

   Capital                               EUR          2,900,000.00

    Subscribed capital (share capital)   EUR          2,900,000.00

   Balance sheet profit/loss (+/-)       EUR          2,761,613.29

    Balance sheet profit / loss          EUR          2,761,613.29

  Provisions                             EUR          1,371,966.93

   Pension provisions and comparable

   provisions                            EUR            162,992.73

   Provisions for taxes                  EUR            258,355.63

   Other / unspecified provisions        EUR            950,618.57

  Liabilities                            EUR         11,049,922.13

   Financial debts                       EUR          6,409,025.59

    Liabilities due to banks             EUR          6,409,025.59

   Other liabilities                     EUR          4,640,896.54

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          4,064,230.48

    Liabililties due to related companiesEUR            299,066.65

    Unspecified other liabilities        EUR            277,599.41

     thereof liabilities from tax /

     financial authorities               EUR             40,000.00

 

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

 Code (HGB)

  Sales                                  EUR         84,110,883.28

  Other operating income                 EUR            352,282.71

  Cost of materials                      EUR         78,036,561.55

   Raw materials and supplies, purchased

   goods                                 EUR         74,993,560.72

   Purchased services                    EUR          3,043,000.83

  Gross result (+/-)                     EUR          6,426,604.44

  Staff expenses                         EUR          2,422,583.24

   Wages and salaries                    EUR          2,116,724.31

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR            305,858.93

  Total depreciation                     EUR             76,648.93

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR             76,648.93

  Other operating expenses               EUR          2,142,860.43

  Operating result from continuing

  operations                             EUR          1,784,511.84

  Interest result (+/-)                  EUR           -453,154.11

   Interest and similar income           EUR            283,279.25

    thereof from related companies       EUR            192,000.00

   Interest and similar expenses         EUR            736,433.36

    thereof paid to related companies    EUR            101,000.00

  Financial result (+/-)                 EUR           -453,154.11

  Result from ordinary operations (+/-)  EUR          1,331,357.73

  Income tax / refund of income tax (+/-)EUR           -479,113.23

  Other taxes / refund of taxes          EUR             -1,750.00

  Tax (+/-)                              EUR           -480,863.23

  Annual surplus / annual deficit        EUR            850,494.50


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.87

UK Pound

1

Rs.97.69

Euro

1

Rs.77.37

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

NIS

 

               

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%)

 

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.