MIRA INFORM REPORT

 

 

Report Date :

02.10.2014

 

IDENTIFICATION DETAILS

 

Name :

TGO TRADING (SINGAPORE) PTE. LTD.

 

 

Registered Office :

6, Shenton Way, 41-01, Oue Downtown, 068809

 

 

Country :

Singapore

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

21.01.2009

 

 

Com. Reg. No.:

200901323-H

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Subject is engaged in the general wholesale trade.

 

 

No of Employees :

Not Available

 

 

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 :

Slow but correct

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)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports, before slowing to in 2011-13, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub.

 

Source : CIA

 


 

 

EXECUTIVE SUMMARY

 

REGISTRATION NO.

:

200901323-H

COMPANY NAME

:

TGO TRADING (SINGAPORE) PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

21/01/2009

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

6, SHENTON WAY, 41-01, OUE DOWNTOWN, 068809, SINGAPORE.

BUSINESS ADDRESS

:

6, SHENTON WAY, 41-01, OUE DOWNTOWN, 068809, SINGAPORE.

TEL.NO.

:

65-63240040

FAX.NO.

:

65-63240012

CONTACT PERSON

:

KARUGAPPADAM MOHAMMED RAFI ( DIRECTOR )

 

 

 

 

 

 

PRINCIPAL ACTIVITY

:

GENERAL WHOLESALE TRADE

 

 

 

ISSUED AND PAID UP CAPITAL

:

5,000,000.00 ORDINARY SHARE, OF A VALUE OF SGD 5,000,000.00

 

 

 

SALES

:

USD 754,393,660 [2012]

NET WORTH

:

USD 10,353,167 [2012]

 

 

 

STAFF STRENGTH

:

N/A

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

LIMITED

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

HISTORY / BACKGROUND


The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

The Subject is principally engaged in the (as a / as an) general wholesale trade.

The immediate holding company of the Subject is YUNTIANHUA UNITED COMMERCE CO., LTD, a company incorporated in SINGAPORE.


Share Capital History

Date

Issue & Paid Up Capital

30/09/2014

SGD 5,000,000.00


The major shareholder(s) of the Subject are shown as follows :


Name

Address

IC/PP/Loc No

Shareholding

(%)

YUNTIANHUA UNITED COMMERCE CO., LTD

1417, DIAN CHI ROAD, KUNMING, CHINA, YUNNAN, SINGAPORE.

T09UF0206

5,000,000.00

100.00

 

 

 

---------------

------

 

 

 

5,000,000.00

100.00

 

 

 

============

=====

+ Also Director





DIRECTORS



DIRECTOR 1

 

Name Of Subject

:

MR. KARUGAPPADAM MOHAMMED RAFI

Address

:

1557, KEPPEL ROAD, 02-15, 089066, SINGAPORE.

IC / PP No

:

S7065698A

 

 

 

 

 

 

 

 

 

Nationality

:

SINGAPOREAN

Date of Appointment

:

01/01/2011

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

WANG WENPING

Address

:

ROOM 402, BUILDING 2, CUI LI GARDEN, CUI HU NORTH ROAD, WUHUA, KUNMING, YUNNAN, CHINA.

IC / PP No

:

532502196708190616

 

 

 

 

 

 

 

 

 

Nationality

:

CHINESE

Date of Appointment

:

21/01/2009

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

XIAO HONG

Address

:

ROOM 402, ENTRANCE 1, BUILDING 8, HUA FU GARDEN, JIN JIANG ROAD, PANG LONG, KUNMING, YUNNAN, CHINA.

IC / PP No

:

53011219590115163X

 

 

 

 

 

 

 

 

 

Nationality

:

CHINESE

Date of Appointment

:

21/01/2009

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 4

 

Name Of Subject

:

ZHANG WENXUE

Address

:

C/O YUNNAN LINHUA GROUP CO. LTD., BUILDING 1, UNIT 1-1, XISHAN DISTRICT HAIKOU, YUNNAN, KUNMING, CHINA.

IC / PP No

:

530112196306300578

 

 

 

 

 

 

 

 

 

Nationality

:

CHINESE

Date of Appointment

:

27/11/2012

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 5

 

Name Of Subject

:

LIU WEI

Address

:

ROOM 1906, 47, YUNDA CHENGYUAN, WUHUA DISTRICT BEIMENJIE, YUNNAN, KUNMING, LEVEL 19, CHINA.

IC / PP No

:

532131197007110016

 

 

 

 

 

 

 

 

 

Nationality

:

CHINESE

Date of Appointment

:

27/11/2012

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 6

 

Name Of Subject

:

YIN JINGDONG

Address

:

ROOM 1-106, BUILDING 2, 522, BAIYUN ROAD, PAN LONG DISTRICT, KUNMING, YUNNAN, CHINA.

IC / PP No

:

530103196703092139

 

 

 

 

 

 

 

 

 

Nationality

:

CHINESE

Date of Appointment

:

30/03/2012

 

 

 

 

 

 

 

 

 

 

 

 




MANAGEMENT

 

 

 

1)

Name of Subject

:

KARUGAPPADAM MOHAMMED RAFI

 

Position

:

DIRECTOR

 

 

 

 

 

AUDITOR

 

Auditor

:

RSM CHIO LIM LLP

Auditor' Address

:

N/A

 

 

 

 

 

 

 

COMPANY SECRETARIES

 

 

Company Secretary

:

NG KIM TEAN

 

IC / PP No

:

S6824617B

 

 

 

 

 

Address

:

454, CHOA CHU KANG AVENUE 4, 06-111, 680454, SINGAPORE.

 

 

 

 

 

 

 

 

 

 

 

 

 

BANKING


No Banker found in our databank.

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

LEGAL CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation.

No legal action was found in our databank.

No winding up petition was found in our databank.

PAYMENT RECORD

 

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A

 

 

 


The Subject's Company Secretary refused to disclose any information on the Subject's payment record.

The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

 

]

 

Good 31-60 Days

[

 

]

 

Average 61-90 Days

[

X

]

 

Fair 91-120 Days

[

 

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 

 

CLIENTELE

 

Local

:

N/A

 

 

 

Overseas

:

N/A

 

 

 

Credit Term

:

N/A

 

 

 

 

 

 

Payment Mode

:

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


The Subject's Company Secretary refused to disclose any information on the Subject's clientele.

OPERATIONS

 

Goods Traded

:

COMMODITIES AND CHEMICALS

 

 

 

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) general wholesale trade.

The Subject's Company Secretary refused to disclose any information on the Subject's operation.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-63240040

Match

:

N/A

 

 

 

Address Provided by Client

:

41 MARKET STREET NO.10-00, INTERNATIONAL FACTORS BUILDING,SINGAPORE

Current Address

:

6, SHENTON WAY, 41-01, OUE DOWNTOWN, 068809, SINGAPORE.

Match

:

NO

 

 

 

 

Other Investigations


On 1st October 2014 we contacted the Subject's Company Secretary. She only provided limited information on the Subject.

She also refused to disclose number of employees and banker for the Subject.

We were unable to verify the address provided.

FINANCIAL ANALYSIS

 

Profitability

 

 

 

 

 

 

Turnover

:

Erratic

[

2009 - 2012

]

 

Profit/(Loss) Before Tax

:

Increased

[

2009 - 2012

]

 

Return on Shareholder Funds

:

Favourable

[

43.65%

]

 

Return on Net Assets

:

Favourable

[

91.81%

]

 

 

 

 

 

 

 

 

The fluctuating turnover reflects the fierce competition among the existing and new market players.The Subject's management have been efficient in controlling its operating costs. Generally the Subject was profitable. The favourable return on shareholders' funds and return on net assets indicate that the Subject's management was efficient in utilising the assets to generate returns.

 

 

 

 

 

 

 

Working Capital Control

 

 

 

 

 

 

Stock Ratio

:

Nil

[

0 Days

]

 

Debtor Ratio

:

Favourable

[

40 Days

]

 

Creditors Ratio

:

Favourable

[

44 Days

]

 

 

 

 

 

 

 

 

As the Subject is a service oriented company, the Subject does not need to keep stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

 

 

 

 

 

 

 

Liquidity

 

 

 

 

 

 

Liquid Ratio

:

Favourable

[

1.04 Times

]

 

Current Ratio

:

Unfavourable

[

1.04 Times

]

 

 

 

 

 

 

 

 

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

 

 

 

 

 

 

 

Solvency

 

 

 

 

 

 

Interest Cover

:

Unfavourable

[

2.81 Times

]

 

Gearing Ratio

:

Unfavourable

[

10.54 Times

]

 

 

 

 

 

 

 

 

The Subject's interest cover was low. If its profits fall or when interest rate rises, it  may not be able to meet all its interest payment. The Subject was highly geared, thus it had a high financial risk. The Subject was dependent on loans to finance its business needs. In times of economic downturn and / or high interest rate, the Subject will become less profitable and competitive than other firms in the same industry, which are lowly geared. This is because the Subject has to service the interest and to repay the loan, which will erode part of its profits. The profits will fluctuate depending on the Subject's turnover and the interest it needs to pay.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overall Assessment :

 

 

 

 

 

 

Although the turnover was erratic, the Subject had maintained a steady growth in its profit. This indicate the management's efficiency in controlling its costs and profitability. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. If there is a fall in the Subject's profit or any increase in interest rate, the Subject may not be able to generate sufficient cash-flow to service its interest. The Subject's gearing level was high and its going concern will be in doubt if there is no injection of additional shareholders' funds in times of economic downturn and / or high interest rates.

 

 

 

 

 

 

 

Overall financial condition of the Subject : LIMITED

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

 

 

 

 

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

 

 

 

 

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

 

 

 

 

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

 

 

 

 

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

 

 

 

 

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

 

 

 

 

 

INDUSTRIES ( % of Growth ) :

 

 

 

 

 

Agriculture

 

 

 

 

 

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

 

 

 

 

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

 

 

 

 

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

 

 

 

 

 

Services

 

 

 

 

 

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

 

 

 

 

 

* Based on Index of Industrial Production (2011 = 100)

 

 

 

 

 



INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

 

 

 

The wholesale and retail trade sector contracted by 1.5% in the fourth quarter of 2012, extending the 0.2% decline in the preceding quarter. For the whole of 2012, the sector declined by 0.7%, reversing the 1.6% growth in 2011. The sector was weighed down primarily by the wholesale trade segment. In 2012, the wholesale trade segment contracted by 1.0%, a reversal from the 1.4% growth in 2011. Growth of the retail trade segment also moderated to 2.0%, from 3.2% in the year 2011.

 

The domestic wholesale trade index grew by 1.2% in the fourth quarter of 2012, an improvement from the 5.4% decline in the third quarter. This was partly due to an increase in the sales of chemicals & chemical products and ship chandlers & bunkering. For the full year of 2012, the domestic wholesale trade index contracted by 2.2%, extending the 1.7% decline in 2011. The foreign wholesale trade index grew by 8.6% in the fourth quarter, an increase from the 6.6% growth in the third quarter. The expansion was partly due to resilient sales of petroleum & petroleum products. For the whole of 2012, the foreign wholesale trade index expanded by 9.1%, faster than the 4.3% increase in 2011.

 

In the fourth quarter of 2012, retail sales volume declined by 2.0%, extending the 0.3% decline in the third quarter. Excluding motor vehicles, retail sales volume grew by 0.4%, a slight moderation compared to the 1.5% gain in the third quarter of 2012. The sales volume of motor vehicles fell by 11% in the fourth quarter of 2012, after contracting by 6.1% in the third quarter. The sales of several discretionary items also declined in the fourth quarter. Besides, the sales of optical goods & books in 2012 fell by 3.6%, while the sales of telecommunications apparatus & computers declined by 1.4%.

 

For 2012 as a whole, retail sales volume grew by 1.3%, compared to the 2.0% expansion in 2011. Excluding motor vehicle sales, the increase in retail sales volume also moderated from 5.4% in 2011 to 1.7% in 2012. Medical goods & toiletries registered the largest increase (9.3%) in sales, followed by telecommunications apparatus & computers (6.9%). By contrast, the sales of watches & jewellery (-2.2%) and optical goods & books (-3.6%) declined.

 

 

 

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2009, the Subject is a Private Limited company, focusing on general wholesale trade. Having been in business for more than 5 years, the Subject has established a remarkable clientele base for itself which has contributed to its business growth. The capital standing of the Subject is SGD 5,000,000. Having strong support from its holding company has enabled the Subject to remain competitive despite the challenging business environment. With an adequate share capital, the Subject has the potential of expanding its business in future.

Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.

We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. Based on the higher profitability, the Subject has generated a favourable return based on its existing shareholders' funds which indicated that the management was efficient in utilising its funds to generate income. The Subject is in an acceptable liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. The high gearing ratio clearly implied that the Subject was supported by more debt than equity. Thus, the Subject is exposed to high financial risk. Given a positive net worth standing at USD 10,353,167, the Subject should be able to maintain its business in the near terms.

The Subject's payment habit is average. With its adequate working capital, the Subject should be able to pay its short term debts.

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry.

Based on the above condition, we recommend credit be granted to the Subject normally.

 

 

PROFIT AND LOSS ACCOUNT

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

TGO TRADING (SINGAPORE) PTE. LTD.

 

Financial Year End

2012-12-31

2011-12-31

2010-12-31

2009-12-31

Months

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

Currency

USD

USD

USD

USD

 

 

 

 

 

TURNOVER

754,393,660

741,354,528

1,003,461,199

172,258,505

 

----------------

----------------

----------------

----------------

Total Turnover

754,393,660

741,354,528

1,003,461,199

172,258,505

Costs of Goods Sold

(744,905,830)

(732,043,608)

(999,635,967)

-

 

----------------

----------------

----------------

----------------

Gross Profit

9,487,830

9,310,920

3,825,232

-

 

----------------

----------------

----------------

----------------

 

 

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

6,124,065

5,796,274

994,671

(100,056)

 

----------------

----------------

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

6,124,065

5,796,274

994,671

(100,056)

Taxation

(1,604,851)

(1,449,067)

(143,169)

-

 

----------------

----------------

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

4,519,214

4,347,207

851,502

(100,056)

 

----------------

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

 

 

As previously reported

5,098,653

751,446

(100,056)

-

 

----------------

----------------

----------------

----------------

As restated

5,098,653

751,446

(100,056)

-

 

----------------

----------------

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

9,617,867

5,098,653

751,446

(100,056)

CAPITALISATION FOR BONUS ISSUES

(3,214,800)

-

-

-

 

----------------

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

6,403,067

5,098,653

751,446

(100,056)

 

=============

=============

=============

=============

 

 

 

 

 

INTEREST EXPENSE (as per notes to P&L)

 

 

 

 

Others

3,380,858

1,313,251

1,205,810

104,535

 

----------------

----------------

----------------

----------------

 

3,380,858

1,313,251

1,205,810

104,535

 

=============

=============

=============

 

======

 

BALANCE SHEET

 

TGO TRADING (SINGAPORE) PTE. LTD.

 

LONG TERM INVESTMENTS/OTHER ASSETS

 

 

 

 

Subsidiary companies

200,000

-

-

-

Deferred assets

1,300,000

73,835

-

-

Others

-

1,300,000

1,300,000

-

 

----------------

----------------

----------------

----------------

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

1,500,000

1,373,835

1,300,000

-

 

 

 

 

 

 

----------------

----------------

----------------

----------------

TOTAL LONG TERM ASSETS

1,500,000

1,373,835

1,300,000

-

 

 

 

 

 

Trade debtors

83,701,004

110,351,505

151,348,981

3,566,574

Other debtors, deposits & prepayments

173,212

5,855

-

4,596,942

Cash & bank balances

94,673,752

8,422,462

44,129,281

5,587,018

Others

34,115,912

31,953,888

15,033,407

23,884,954

 

----------------

----------------

----------------

----------------

TOTAL CURRENT ASSETS

212,663,880

150,733,710

210,511,669

37,635,488

 

----------------

----------------

----------------

----------------

TOTAL ASSET

214,163,880

152,107,545

211,811,669

37,635,488

 

=============

=============

=============

=============

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

Trade creditors

89,003,226

24,116,237

80,608,382

17,896,948

Other creditors & accruals

-

-

596,750

12,223,981

Hire purchase & lease creditors

109,117,239

111,679,995

122,690,263

-

Deposits from customers

2,493,161

8,811,289

6,286,359

-

Provision for taxation

3,197,087

1,666,071

143,169

-

Other liabilities

-

-

-

6,879,315

 

----------------

----------------

----------------

----------------

TOTAL CURRENT LIABILITIES

203,810,713

146,273,592

210,324,923

37,000,244

 

----------------

----------------

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

8,853,167

4,460,118

186,746

635,244

 

----------------

----------------

----------------

----------------

TOTAL NET ASSETS

10,353,167

5,833,953

1,486,746

635,244

 

=============

=============

=============

=============

 

 

 

 

 

SHARE CAPITAL

 

 

 

 

Ordinary share capital

3,950,100

735,300

735,300

735,300

 

----------------

----------------

----------------

----------------

TOTAL SHARE CAPITAL

3,950,100

735,300

735,300

735,300

 

 

 

 

 

Retained profit/(loss) carried forward

6,403,067

5,098,653

751,446

(100,056)

 

----------------

----------------

----------------

----------------

TOTAL RESERVES

6,403,067

5,098,653

751,446

(100,056)

 

 

 

 

 

 

----------------

----------------

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

10,353,167

5,833,953

1,486,746

635,244

 

 

 

 

 

 

----------------

----------------

----------------

----------------

 

10,353,167

5,833,953

1,486,746

635,244

 

=============

=============

=============

=============

 

 

 

 

 

 

FINANCIAL RATIO

 

TGO TRADING (SINGAPORE) PTE. LTD.

 

TYPES OF FUNDS

 

 

 

 

Cash

94,673,752

8,422,462

44,129,281

5,587,018

Net Liquid Funds

94,673,752

8,422,462

44,129,281

5,587,018

Net Liquid Assets

8,853,167

4,460,118

186,746

635,244

Net Current Assets/(Liabilities)

8,853,167

4,460,118

186,746

635,244

Net Tangible Assets

10,353,167

5,833,953

1,486,746

635,244

Net Monetary Assets

8,853,167

4,460,118

186,746

635,244

BALANCE SHEET ITEMS

 

 

 

 

Total Borrowings

109,117,239

111,679,995

122,690,263

0

Total Liabilities

203,810,713

146,273,592

210,324,923

37,000,244

Total Assets

214,163,880

152,107,545

211,811,669

37,635,488

Net Assets

10,353,167

5,833,953

1,486,746

635,244

Net Assets Backing

10,353,167

5,833,953

1,486,746

635,244

Shareholders' Funds

10,353,167

5,833,953

1,486,746

635,244

Total Share Capital

3,950,100

735,300

735,300

735,300

Total Reserves

6,403,067

5,098,653

751,446

(100,056)

LIQUIDITY (Times)

 

 

 

 

Cash Ratio

0.46

0.06

0.21

0.15

Liquid Ratio

1.04

1.03

1.00

1.02

Current Ratio

1.04

1.03

1.00

1.02

WORKING CAPITAL CONTROL (Days)

 

 

 

 

Stock Ratio

0

0

0

0

Debtors Ratio

40

54

55

8

Creditors Ratio

44

12

29

38

SOLVENCY RATIOS (Times)

 

 

 

 

Gearing Ratio

10.54

19.14

82.52

0.00

Liabilities Ratio

19.69

25.07

141.47

58.25

Times Interest Earned Ratio

2.81

5.41

1.82

0.04

Assets Backing Ratio

2.62

7.93

2.02

0.86

PERFORMANCE RATIO (%)

 

 

 

 

Operating Profit Margin

0.81

0.78

0.10

(0.06)

Net Profit Margin

0.60

0.59

0.08

(0.06)

Return On Net Assets

91.81

121.86

148.01

0.71

Return On Capital Employed

7.96

6.05

1.77

0.71

Return On Shareholders' Funds/Equity

43.65

74.52

57.27

(15.75)

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

0.00

NOTES TO ACCOUNTS

 

 

 

 

Contingent Liabilities

0

0

0

0

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.75

UK Pound

1

Rs.100.07

Euro

1

Rs.77.95

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

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%)

 

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.