MIRA INFORM REPORT

 

 

Report Date :

22.10.2014

 

IDENTIFICATION DETAILS

 

Name :

WALLNER & NEUBERT GESELLSCHAFT M.B.H.

 

 

Registered Office :

Im Felberbrunn  2, A-2340 Mödling

 

 

Country :

Austria

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

1894

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Wholesale of hardware, plumbing and heating equipment and supplies

 

 

No of Employees :

80

 

 

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)

Austria

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

AUSTRIA - ECONOMIC OVERVIEW

 

Austria, with its well-developed market economy, skilled labor force, and high standard of living, is closely tied to other EU economies, especially Germany's. Its economy features a large service sector, a sound industrial sector, and a small, but highly developed agricultural sector. Following several years of solid foreign demand for Austrian exports and record employment growth, the international financial crisis of 2008 and subsequent global economic downturn led to a sharp but brief recession. Austrian GDP contracted 3.8% in 2009 but saw positive growth of about 2% in 2010 and 2.7% in 2011. Growth fell to 0.6% in 2012. Unemployment did not rise as steeply in Austria as elsewhere in Europe, partly because the government subsidized reduced working hour schemes to allow companies to retain employees. The 2012 unemployment rate of 4.3% was the lowest within the EU. Stabilization measures, stimulus spending, and an income tax reform pushed the budget deficit to 4.5% in 2010 and 2.6% in 2011, from only about 0.9% in 2008. The international financial crisis of 2008 caused difficulties for Austria's largest banks whose extensive operations in central, eastern, and southeastern Europe faced large losses. The government provided bank support - including in some instances, nationalization - to support aggregate demand and stabilize the banking system. Austria's fiscal position compares favorably with other euro-zone countries, but it faces external risks, such as Austrian banks' continued exposure to Central and Eastern Europe as well as political and economic uncertainties caused by the European sovereign debt crisis. In 2011 the government attempted to pass a constitutional amendment limiting public debt to 60% of GDP by 2020, but it was unable to obtain sufficient support in parliament and instead passed the measure as a simple law. In March 2012, the Austrian parliament approved an austerity package consisting of a mix of expenditure cuts and new revenues that will bring public finances into balance by 2016. In 2012, the budget deficit rose to 3.1% of GDP.

 

Source : CIA

 

Basic company information

 

Company name:

WALLNER & NEUBERT GESELLSCHAFT M.B.H.

Status:

active company

Locations:

Im Felberbrunn  2, A-2340 Mödling

Phone:

0043 (50) 513

Fax:

0043 (50) 513 - 300

E-mail:

pwn@pwn.at

Internet:

http://www.pwn.at

Activities:

Önace 46740 100% Wholesale of hardware, plumbing and heating equipment and supplies

 

General Assessment:

Model: CompanyScore

Probability of Default (Basel II):

0,11%

Very low risk

comparison:

The Rating of this company is better than industry average.

Recommendation:

In respect to solvency reasons, there is nothing to say against an establishment of a business relationship.

 

Detail Assessment:

Payments are sometimes made using cash discounts or according to conditions.

 

Company's solvency is sufficient. Earnings potential is unsatisfactory.

 

Additional company information

 

 

Year of incorporation:

1894

 

Activities:

 

 

Type of company:

Wholesale and retail trade; repair of motor vehicles

 

Legal form:

limited liability company since 1996-11-11

 

companies' house number:

FN 152084 d Wiener Neustadt 1996-11-22

 

Trade names:

Purator (PWN)

 

ARA-number:

602

 

VAT number:

ATU 41961908

 

number - Austrian National Bank:

3451739

 

 

 

 

Export 

Country 

 

 

 

Export

Eastern Europe

 

2014

 

Export

European Union

 

2014

 

 

 

Financial data

 

total turnover (total sales)

2013

EUR  22.635.000,00

(approx.)

total turnover (total sales)

2012

EUR  22.479.750,36

(exact)

total turnover (total sales)

2011

EUR  24.260.767,34

(exact)

total turnover (total sales)

2010

EUR  24.739.652,04

(exact)

total turnover (total sales)

2009

EUR  28.537.593,35

(exact)

total employees

2014

80

(approx.)

white collar workers

2014

63

(approx.)

blue collar workers

2014

17

(approx.)

total investments

2012

EUR  1.764.553,27

(exact)

total company vehicles

2014

23

(approx.)

cars

2014

18

(approx.)

lorries up to 3.5t

2014

2

(approx.)

lorries more than 3.5t

2014

3

(approx.)

 

 

Extraxt from the Companies' House

 

firm (style):

    2      Wallner & Neubert Gesellschaft m.b.H.

legal form:

    1      Gesellschaft mit beschränkter Haftung

registered office:

   53      politischer Gemeinde Mödling

business adress:

   53      Im Felberbrunn 2
           2340 Mödling

capital:

   13      EUR 2.000.000

reference date annual accounts:

   13      31. Dezember

annual accounts:

   56      zum 31.12.2013 eingereicht am 30.09.2014

power of representation:

    1      Die Gesellschaft wird, wenn mehrere Geschäftsführer
           bestellt sind, durch zwei Geschäftsführer gemeinsam oder
           durch einen von ihnen gemeinsam mit einem Prokuristen
           vertreten.
           Die Generalversammlung kann, auch wenn mehrere Geschäfts-
           führer bestellt sind, einzelnen von ihnen selbständige
           Vertretungsbefugnis erteilen.
    1   Erklärung über die Errichtung der Gesellschaft                      001
          vom 11.11.1996
    2   Generalversammlungsbeschluss  vom 25.11.1996                        002
          Änderung des Gesellschaftsvertrages in den Punkten Erstens
          und Drittens.
          Kapitalerhöhung um ATS 24,500.000.--
    2   Einbringungsvertrag  vom 25.11.1996                                 003
          Einbringung des Betriebes der
          W & N Beteiligung-Immobilien-Besitz
          und Verwertung GmbH.
          (FN 99793 f)
    4   Verschmelzungsvertrag  vom 18.11.1998                               004
    4   Generalversammlungsbeschluss  vom 18.11.1998  der                   005
          Wallner & Neubert Sanitär- und
          Heizungsgroßhandel Gesellschaft m.b.H.
          (FN 88395 v)
          als übertragender Gesellschaft. Verschmelzung mit dieser
          Gesellschaft als übernehmender Gesellschaft.
          Sitz der übertragenden Gesellschaft in Wien.
    4   Verschmelzungsvertrag  vom 18.11.1998                               006
    4   Generalversammlungsbeschluss  vom 18.11.1998  der                   007
          Import Export Wallner & Neubert
          Gesellschaft m.b.H.
          (FN 93095 f)
          als übertragender Gesellschaft. Verschmelzung mit dieser
          Gesellschaft als übernehmender Gesellschaft.
          Sitz der übertragenden Gesellschaft in Wien.
   13   Gesellschaftsvertrag mit Generalversammlungsbeschluss               008
          vom 02.10.2001
          gemäß 1. Euro-JuBeG angepasst.
   13   Generalversammlungsbeschluss  vom 02.10.2001                        009
          Kapitalerhöhung um ATS 2.520.600,--.
          Änderung des Gesellschaftsvertrages in den Punkten Drittens,
          Viertens, Siebentens, Achtens und Elftens.
   21   Generalversammlungsbeschluss  vom 19.11.2004                        010
          Änderung des Gesellschaftsvertrages in den Punkten Fünftens,
          Sechstens und Achtens.
   53   Generalversammlungsbeschluss  vom 24.05.2013                        012
          Änderung der Erklärung über die Errichtung der Gesellschaft
          in den Punkten Erstens, Fünftens, Achtens, Neuntens,
          Zehntens, Elftens und Zwölftens.

proxy:

         Y   Gerhard Zack, geb. 06.11.1960
   55        vertritt seit 01.03.2014 selbständig

managing director:

         W   Daniel Fellner, geb. 19.08.1959
   50        vertritt seit 22.01.2013 selbständig

shareholder:

         X   FHT Beteiligungs- und Management GmbH
   52        ..................    EUR 2.000.000
   52        .............................................    EUR 2.000.000
                          ------------------------------------------------------
                   Summen:         EUR 2.000.000              EUR 2.000.000

general table:

 Handelsgericht Wien
   1 eingetragen am 22.11.1996                  Geschäftsfall  74 Fr  9400/96 k
       Antrag auf Neueintragung einer Firma  eingelangt am 19.11.1996
   2 eingetragen am 04.12.1996                  Geschäftsfall  74 Fr  9632/96 b
       Antrag auf Änderung  eingelangt am 27.11.1996
   4 eingetragen am 01.12.1998                  Geschäftsfall  74 Fr 13229/98 i
       Antrag auf Änderung  eingelangt am 26.11.1998
  13 eingetragen am 23.11.2001                  Geschäftsfall  75 Fr 15493/01 s
       Antrag auf Änderung  eingelangt am 15.11.2001
  15 eingetragen am 06.05.2003                  Geschäftsfall  75 Fr  5615/03 g
       Antrag auf Änderung  eingelangt am 28.04.2003
  21 eingetragen am 12.01.2005                  Geschäftsfall  75 Fr    43/05 f
       Antrag auf Änderung  eingelangt am 30.12.2004
  27 eingetragen am 01.08.2007                  Geschäftsfall  75 Fr  7534/07 p
       Antrag auf Änderung  eingelangt am 30.07.2007
  32 eingetragen am 05.11.2008                  Geschäftsfall  71 Fr 15810/08 p
       Antrag auf Änderung  eingelangt am 31.10.2008
  50 eingetragen am 25.01.2013                  Geschäftsfall  73 Fr  1942/13 d
       Antrag auf Änderung  eingelangt am 23.01.2013
  52 eingetragen am 17.05.2013                  Geschäftsfall  73 Fr  5434/13 p
       Antrag auf Änderung  eingelangt am 30.04.2013
 Landesgericht Wiener Neustadt
  53 eingetragen am 13.06.2013                  Geschäftsfall   1 Fr  3600/13 w
       Antrag auf Sitzverlegung  eingelangt am 07.06.2013
  55 eingetragen am 04.03.2014                  Geschäftsfall   8 Fr   729/14 h
       Antrag auf Änderung  eingelangt am 25.02.2014
  56 eingetragen am 09.10.2014
       Elektronische Einreichung Jahresabschluss  eingelangt am 30.09.2014

 

 

Real estate

 

Real estate KSV text:

No real estate property registered

 

 

Private data

 

 

Surname

 

 

Date of birth

 

 

Address

 

 

Executive positions

 

Further executive positions (as registered in the companies' house)

Daniel Fellner

1959-08-19 

1230 Wien Endresstraße 74

manager

4

Gerhard Zack

 

1960-11-06 

 

1050 Wien Schönbrunnerstraße 13(c/o)

individual signing clerk,

head of sales

 

0

 

Mag.(FH)  Thomas Scherz

 

1975-04-20 

 

1050 Wien Schönbrunnerstraße 13(c/o)

head of accounting

 

0

 

Markus Klement

 

1964-11-29 

 

1050 Wien Schönbrunnerstraße 13(c/o)

head of purchasing

 

0

 

Felix Kappel

 

1960-04-15 

 

1050 Wien Schönbrunnerstraße 13(c/o)

head of EDP

 

0

 

 

 

Balance Sheet  (absolute) 

 

all amounts in EUR 

 

2013-12-31 

 

 

 

 

Intangible assets

250.539,00

 

 

 

 

Sum intangible assets

250.539,00

 

 

 

 

 

Land and leasehold rights with buildings thereon including building on land owned by third parties

144.839,91

 

 

 

 

Special account plants and machines

30.616,00

 

 

 

 

Other operating and business equipment

1.624.545,35

 

 

 

 

Advanced payments and constructions in progress

195.592,70

 

 

 

 

Sum tangible assets

1.995.593,96

 

 

 

 

 

Sum fixed assets

2.246.132,96

 

 

 

 

 

Stocks

2.795.206,45

 

 

 

 

Sum stock

2.795.206,45

 

 

 

 

 

Other claims and assets

418.428,25

 

 

 

 

Sum claims

418.428,25

 

 

 

 

 

Cash on hand, cheques and bank deposits

2.102.937,13

 

 

 

 

Sum cash and bank

2.102.937,13

 

 

 

 

 

Sum current assets

5.316.571,83

 

 

 

 

 

Deferred charges

53.386,78

 

 

 

 

Sum deferred charges

53.386,78

 

 

 

 

Assets

7.616.091,57

 

 

 

 

 

Subscribed/declared capital

2.000.000,00

 

 

 

 

Capital reserves

1.838.528,43

 

 

 

 

Balance sheet profit/balance sheet loss

-1.239.215,91

 

 

 

 

Thereof profit/loss carried forward

-810.522,17

 

 

 

 

Sum equity capital

2.599.312,52

 

 

 

 

 

Reserves for severance pays

442.851,48

 

 

 

 

Other reserves

579.745,22

 

 

 

 

Sum reserves

1.022.596,70

 

 

 

 

 

Liabilities against credit institutes

2.000.205,26

 

 

 

 

Other liabilities

1.993.977,09

 

 

 

 

Sum liabilities

3.994.182,35

 

 

 

 

 

Liabilities

7.616.091,57

 

 

 

 

 

Balance sheet sum

7.616.091,57

 

 

 

 

 

 

P / L Account  (absolute) 

 

all amounts in EUR 

 

2013-12-31 

 

 

 

 

Gross profit 

6.367.497,87

 

 

 

 

Total turnover or gross profit 

6.367.497,87

 

 

 

 

 

Profits from retirement of fixed assets, except financial assets 

894,00

 

 

 

 

Income from dissolution of reserves 

36.800,21

 

 

 

 

Other operating profits 

260.283,48

 

 

 

 

Other operating profits totally 

297.977,69

 

 

 

 

 

Wages 

-453.324,63

 

 

 

 

Salaries 

-2.505.401,87

 

 

 

 

Costs for severance pays 

-182.475,56

 

 

 

 

Legal fringe benefits and other payments depending on salaries 

-827.252,81

 

 

 

 

Other social fringe benefits 

-25.551,83

 

 

 

 

Personnel expenses totally 

-3.994.006,70

 

 

 

 

 

Depreciation of intangible assets, tangible assets,activated expenses for the set up and expansion of business operation 

-270.193,61

 

 

 

 

Depreciation tangible assets / intangible assets totally 

-270.193,61

 

 

 

 

 

Other operating costs 

-2.684.655,98

 

 

 

 

Total costs 

-2.684.655,98

 

 

 

 

 

Operating result totally 

-283.380,73

 

 

 

 

 

Interest income, securties income and similar income 

3.455,47

 

 

 

 

Interest and similar disbursements 

-147.643,48

 

 

 

 

Financial profits totally 

-144.188,01

 

 

 

 

 

Results from usual business activity totally 

-427.568,74

 

 

 

 

 

Taxes on income and profits 

-1.125,00

 

 

 

 

Taxes on income and profits totally 

-1.125,00

 

 

 

 

Annual surplus/annual deficit totally 

-428.693,74

 

 

 

 

 

Annual profit/annual loss totally 

-428.693,74

 

 

 

 

 

Profit and loss carried forward from previous year 

-810.522,17

 

 

 

 

Transfer of profits totally 

-810.522,17

 

 

 

 

B/S profit/ B/S loss from profit and loss account 

-1.239.215,91

 

 

 

 

 

 

Key ratios

 

 

2013  

 

 

 

 

 

Cash flow II

  -158.500,13

 

 

 

 

 

Bank indebtedness

  26,26

 

 

 

 

 

Equity capital share

  34,12

 

 

 

 

 

Social capital share

  5,81

 

 

 

 

 

Fixed assets coverage

  135,44

 

 

 

 

 

Net profit ratio

  0,00

 

 

 

 

 

Capital turnover

  0,00

 

 

 

 

 

Return on investment

  -3,67

 

 

 

 

 

Cash flow in % of operating performance

  0,00

 

 

 

 

 

Cash flow I

  -157.375,13

 

 

 

 

 

Gross productivity

  0,00

 

 

 

 

 

Net productivity

  0,00

 

 

 

 

 

Operating performance

  0,00

 

 

 

 

 

Inventories in % of operating performance

  0,00

 

 

 

 

 

Gross profit

  6.367.497,87

 

 

 

 

 

 

 

Locations

 

Type

Locations

Description

 

 

E-mail 

operational 

Im Felberbrunn  2, A-2340 Mödling

registered office 

 

 

 

operational 

Hessestraße  3, A-4844 Regau

registered branch office 

 

 

 

operational 

Mühlfelderweg  30, A-8055 Graz Puntigam

registered branch office, rented premises 

 

 

 

operational 

Im Felberbrunn  2, A-2340 Mödling

registered headquarters, rented premises 

 

 

pwn@pwn.at

operational 

Hessestraße  3, A-4844 Regau

branch office, rented premises 

 

 

regau@pwn.at

operational 

Mühlfelderweg  30, A-8055 Graz Puntigam

branch office, rented premises 

 

 

graz@pwn.at

former 

Trientlgasse  44, A-6020 Innsbruck

registered branch office 

 

 

 

former 

Preising  84, A-4844 Regau

registered branch office 

 

 

 

former 

Reininghausstraße  25, A-8020 Graz

registered branch office 

 

 

 

former 

Schönbrunnerstraße  13, A-1050 Wien

registered headquarters 

 

 

 

former 

Im Felberbrunn  2, A-2340 Mödling

branch office 

 

 

 

former 

Trientlgasse  44, A-6020 Innsbruck

branch office 

 

 

 

former 

Schlöglstraße  59, A-6060 Hall Tirol

branch office 

 

 

 

former 

Wirtschaftspark  5, A-9130 Poggersdorf

branch office 

 

 

 

former 

Trientlgasse  44, A-6020 Innsbruck

branch office 

 

 

 

former 

Reininghausstraße  25, A-8020 Graz

branch office 

 

 

 

former 

Brown-Boveristraße  , A-2340 Mödling

branch office 

 

 

 

former 

Schönbrunnerstraße  13, A-1050 Wien

registered office 

 

 

 

former 

Felberbrunn,  Parzellen 1218 u. 1824, A-2340 Mödling

registered branch office 

 

 

 

former 

Schlöglstraße  59, A-6060 Hall Tirol

registered branch office 

 

 

 

 

 

related companies

 

Company name

 

Postal code

 

Stake in %

 

Companies House

 

Shares in this company are held by:

 

 

 

FHT Beteiligungs- und Management GmbH

Kramergasse  1/3, A-1010 Wien

100 % 2013-05-17

 

FN 389471 b

 

 

 

 

 

Affiliated companies and further participations:

 

 

 

Daniel Fellner GmbH

 

Industriestraße B  12, A-2345 Brunn Gebirge

 

 

FN 69089 b

 

F&H Immoinvest GmbH

 

Endresstraße  74, A-1230 Wien

 

 

FN 353271 t

 

 

 

Bankers

 

 

 

Banker

Bank sort code

Type of banking connection

RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG, 1011 Wien

 

32000

 

main bank connection

 

UniCredit Bank Austria AG, 1011 Wien

 

12000

 

secondary banking connection

 

Erste Bank der oesterreichischen Sparkassen AG, 1011 Wien

 

20111

 

secondary banking connection

 

 

 

 

 

Historical development

 

Year of incorporation:

1894

Date of registration:

1996-11-22

 

Change in share capital:

From

To

Capital

   

  2001-11-23

ATS  25.000.000,00

  2001-11-23

   

EUR  2.000.000,00

 

Former executives:

From

To

Function

Name

  2003-11-05

  2005-01-12

manager 

Ing.Mag. Friedrich Völkl 

  2009-04-02

  2010-01-16

manager 

Dr. Adalbert Stampfer 

  2003-11-05

  2010-09-30

manager 

Mag. Christoph Dolezal Brandenberger 

  2005-01-12

  2010-03-04

deputy chairman of the supervisory board 

Erika Dolezal Brandenberger 

   

  2013-01-25

manager 

Dkfm.Dr. Franz Dolezal Brandenberger 

   

  2005-01-12

manager 

Dkfm.Dr. Franz Dolezal Brandenberger 

  2005-01-12

  2010-03-04

chairman of the supervisory board 

Dkfm.Dr. Franz Dolezal Brandenberger 

  1996-11-22

  2001-01-11

individual signing clerk 

Christian Hahn 

   

  1999-02-19

joint signing clerk 

Ing. Helmut Baier 

  1999-02-19

  2000-07-11

joint signing clerk 

Kurt Weber 

  1997-03-19

  2001-07-10

joint signing clerk 

Otto Leithner 

  2000-07-11

  2003-05-06

joint signing clerk 

Josef Mitterlechner 

   

  2003-05-06

joint signing clerk 

Harald Passecker 

  1999-10-19

  2004-01-06

joint signing clerk 

Helmut Zoidl 

   

  2009-06-26

joint signing clerk 

Heinz Peter Windholz 

  2009-05-20

  2013-06-13

joint signing clerk 

Wilhelm Böhm 

  2005-04-07

  2013-06-13

joint signing clerk 

Alfred Rasocha 

  2005-01-12

  2010-03-04

member of the supervisory board 

Ing. Helmut Gunst 

  2010-09-30

  2012-10-02

manager 

Mag. Kurt Heiny 

  2005-04-07

  2009-04-02

joint signing clerk 

Dipl-Ing. Peter Kraus 

  2009-05-20

  2010-12-23

joint signing clerk 

Hannes Gruber 

 

Former shareholders:

From

To

Function

Name

  1996-11-11

  2005-08-13

partner 

W & N Beteiligung-Immobilien- Besitz und Verwertung GmbH. 

  2005-08-13

  2007-09-27

partner 

Dolezal-Brandenberger Beteiligungs GmbH 

  2007-09-27

  2013-05-17

partner 

PURATOR International GmbH 

 

Former shareholdings:

From

To

Name

  1996-12-19

  1998-12-01

Wallner & Neubert Sanitär- und Heizungsgroßhandel Gesellschaft m.b.H. 

  1997-01-09

  1998-12-01

Import Export Wallner & Neubert Gesellschaft m.b.H. 

  1997-01-08

  2010-09-07

Erwin Menzel, Eisengroßhandlung u. Handelsagentur Gesellschaft m.b.H. 

  2000-10-12

  2000-10-18

PURATOR Vermögensverwaltung GmbH 

  2002-05-24

  2002-07-02

PURATOR Wallner & Neubert Umwelttechnik GmbH 

  2005-05-28

  2005-07-09

PURATOR Wallner & Neubert Umwelttechnik GmbH 

  1999-10-20

  2005-07-09

"PURATOR" Entwässerungs- und Umwelttechnik GmbH 

  1997-01-31

  2005-07-09

PURATOR Tiefbaubedarf Vertriebsgesellschaft m.b.H. 

  2002-11-26

  2007-07-03

PURATOR Umwelttechnik Gesellschaft m.b.H. in Liqu. 

 

Mergers:

Date

Function

Name

  2000-11-24

merged with 

Wallner & Neubert Sanitär- und Heizungsgroßhandel Gesellschaft m.b.H. 

  2000-11-24

merged with 

Import Export Wallner & Neubert Gesellschaft m.b.H. 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.30

UK Pound

1

Rs.99.16

Euro

1

Rs.78.59         

 

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

--

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.