MIRA INFORM REPORT

 

 

Report Date :

29.10.2014

 

IDENTIFICATION DETAILS

 

Name :

AJM KOOHEJI GROUP BSC CLOSED

 

 

Registered Office :

Building No. 1096, Plot No. 368, Road No. 6833, Sheikh Salman Highway, Sehla Area, P O Box: 74, Manama

 

 

Country :

Bahrain

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

08.05.1975

 

 

Com. Reg. No.:

341-1, Manama

 

 

Legal Form :

Bahraini Shareholding Company Closed BSC (C)

 

 

Line of Business :

Subject’s operations are performed through the following divisions:

 

·         Tyres Division

·         Marine Division

·         Furniture Division

·         Electronics & Home Appliances Division

·         Building Materials Division

 

 

No. of Employees :

700

 


 

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 :

Good

 

 

Payment Behaviour :

Regular

 

 

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)

Bahrain

B1

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

BAHRAIN - ECONOMIC OVERVIEW

 

Bahrain has made great efforts to diversify its economy; its highly developed communication and transport facilities make Bahrain home to numerous multinational firms with business in the Gulf. As part of its diversification plans, Bahrain implemented a Free Trade Agreement (FTA) with the US in August 2006, the first FTA between the US and a Gulf state. Bahrain's economy, however, continues to depend heavily on oil. In 2012, petroleum production and refining accounted for 77% of Bahrain's export receipts, 87% of government revenues, and 19% of GDP. Other major economic activities are production of aluminum - Bahrain's second biggest export after oil - finance, and construction. Bahrain competes with Malaysia as a worldwide center for Islamic banking and continues to seek new natural gas supplies as feedstock to support its expanding petrochemical and aluminum industries. In 2011 Bahrain experienced economic setbacks as a result of domestic unrest, however, the economy recovered in 2012-13, partly as a result of improved tourism. Some economic policies aimed at restoring confidence in Bahrain's economy, such as the suspension of an expatriate labor tax and frequent bailouts of Gulf Air, will make Bahrain's long-term economic challenges - youth unemployment and the growth of government debt - more difficult to address.

 

Source : CIA

 


SUMMARY

 

Company Name                                    : AJM KOOHEJI GROUP BSC CLOSED

You Requested                                     : AJM KOOHEJI GROUP BSCC – BUILDING MATERIAL DIVISION

Country of Origin                                   : Bahrain

Legal Form                                           : Bahraini Shareholding Company Closed BSC (C)

Registration Date                                  : 8th May 1975

Commercial Registration Number           : 341-1, Manama

Chamber Membership Number               : 323

Issued Capital                                       : BD 7,000,000

Paid up Capital                                     : BD 7,000,000

Total Workforce                                    : 700

Activities                                               : Subject operates several divisions (see below for details)

Financial Condition                                : Good

Payments                                             : Nothing detrimental uncovered

Operating Trend                                    : Steady

Person Interviewed                                : Shashi Malhotra, Finance Manager

 

 

 


COMPANY NAME

 

AJM KOOHEJI GROUP BSC CLOSED

 

 

ADDRESS

 

Registered & Physical Address

 

Building            : Building No. 1096, Plot No. 368

Street               : Road No. 6833, Sheikh Salman Highway

Area                 : Sehla Area

 

PO Box            : 74

 

Town                : Manama

Country : Bahrain

 

Telephone         : (973-17) 403304

Facsimile          : (973-17) 403800

Mobile              : (973-39) 147575

Email                : ho@ajmkooheji.com

 

Please note that subject’s previous address was, Building No. 7791, Complex No. 608, Road No. 51, Manama.

 

Please note that the correct PO Box number is 74 and not 54.

 

Premises

 

Subject operates from a large suite of offices that are rented and located in the Central Business Area of Manama.

 

Branch Office (s)

 

     Location                                                                                           Description

 

·       Sitra Highway                                                                                   Rented showroom premises

Manama

     Tel: (973-17) 736289

 

 

KEY PRINCIPALS

 

     Name                                                                                               Position

 

·       Abdul Hamid Abdul Jabbar Kooheji                                                   Managing Director

 

·       Abdullah Abdul Jabbar Kooheji                                                         Director

 

·       Mahmood Abdul Jabbar Kooheji                                                       Director

 

·       Jamal Abdul Jabbar Kooheji                                                             Director

 

·       Mohamed Abdul Jabbar Kooheji                                                       Director

 

·       Salim Abdul Jabbar Kooheji                                                              Director

 

·       Issa Abdul Jabbar Kooheji                                                                Director

 

·       Shashi Malhotra                                                                                Finance Manager

 

·       Rohit Rania                                                                                      Administration Manager

 

·       Sanjev Sirvaz                                                                                   Commercial Manager

 

 

LEGAL FORM & OWNERS

 

Date of Establishment  : 8th May 1975

 

Legal Form                  : Bahraini Shareholding Company Closed BSC (C)

 

Commercial Reg. No.   : 341-1, Manama

 

Chamber Member No.  : 323

 

Issued Capital              : BD 7,000,000

 

Paid up Capital            : BD 7,000,000

 

Name of Shareholder (s)                                                                        Percentage

 

·       Jammal Al  Kooheji and Co Holding Co BSC Closed                                      14.285%

Bahrain

 

·       Saleem Al Kooheji and Co Holding Co BSC Closed                                       14.285%

Bahrain

 

·       Abdulhameed Al Kooheji and Co Holding Co BSC Closed                              14.285%

Bahrain

 

·       Abdulla Al Kooheji and Co Holding Co BSC Closed                                       14.285%

Bahrain

 

·       Isa Al Kooheji and Co Holding Co BSC Closed                                              14.285%

Bahrain

 

·       Mohamed Al Kooheji and Co Holding Co BSC Closed                                                14.285%

Bahrain

 

·       Mahmood Al Kooheji and Co Holding Co BSC Closed                                               14.285%

Bahrain

 

 

AFFILIATED COMPANIES

 

·       Delmon Furniture Factory WLL

Manama

     Tel: (973-17) 700999

     Fax: (973-17) 701991

 

·       Secco Kooheji Co WLL

 

·       Hawar International School WLL

 

·       Pearl Craft WLL

Manama

     Tel: (973-17) 737747

     Fax: (973-17) 732723

 

 

OPERATIONS

 

Activities: Subject’s operations are performed through the following divisions:

 

·       Tyres Division

 

     Engaged in the import and distribution of tyres and are agents for Bridgestone in Bahrain.

 

·       Marine Division

 

Kooheji Marine Division has been actively pursuing the design and manufacture of marine engineering products. The division produces a range of Outboard engines, Jet skis, Motorcycles, All terrain vehicles and Golf cars.

 

     Agents for Yamaha Motors of Japan.

 

·       Furniture Division

 

Engaged as retailers of domestic furniture and furnishings specialising in living room and bedroom furniture, as well as upholstery materials.

 

·       Electronics & Home Appliances Division

 

Engaged as retailers of domestic & commercial air-conditioners, home appliances, televisions, audio-video, and mobile phones. Under this division subject are the sole agents of LG in the Kingdom of Bahrain.

 

·       Building Materials Division

 

Tel: (973-17) 700007

Fax: (973-17) 702587

 

Engaged as retailers of building materials, sanitary ware, ceramics and floor coverings.

 

The Building Materials Division in AJM Kooheji Group currently represents Imola Ceramica from Italy, Laufen

Bathrooms from Switzerland, Grohe Mixers & Accessories from Germany, Nobilia Kitchens from Germany, Teuco

Jacuzzis and Shower Products from Italy, Egger Laminated Wood Flooring from Austria and Haro Engineered

Wooden Flooring from Germany.

 

Import Countries: Japan, South Korea, Malaysia and Europe.

 

International Suppliers:

 

·       Imola                       Italy

·       Kimgres                   Malaysia

·       Laufen                     Switzerland

·       Grohe                      Germany

·       Valli & Valli               Italy

·       Nobilia                     Germany

·       Teuco                      Italy

·       Egger                      Austria

·       Haro                                    Germany

·       Ravak                      Czech Republic

 

Operating Trend: Steady

 

Subject has a workforce of approximately 700 employees.

 

 

FINANCIAL DATA

 

Financial highlights provided by local sources are given below:

 

Currency: Bahraini Dinar (BD)

 

                                                Year Ending 31/12/12:              Year Ending 31/12/13:

 

Total Sales                                BD 37,120,000                          BD 38,400,000

 

Local sources consider subject’s financial condition to be Good.

 

The above figures were provided by Mr Shashi Malhotra, Finance Manager

 

 

BANKERS

 

·       Standard Chartered Bank

Standard Chartered Bank Building

Government Road

PO Box: 29

Manama

Bahrain

Tel: (973-17) 223636 / 255946

Fax: (973-17) 230503

 

·       Al Ahli Commercial Bank

Government Avenue

PO Box: 5941

Manama

Tel: (973-17) 244333

Fax: (973-17) 241301

 

 

PAYMENT HISTORY

 

No complaints regarding subject’s payments have been reported.

 

Date of transaction                               November 2013

Credit amount                                       116,000

Amount overdue                                    0

Payment terms                                      90 days

Payment Method                                   Letters of Credit

Paying record                                       No Complaints

Currency                                               Euros

 

 

GENERAL COMMENTS

 

During the course of this investigation nothing detrimental was uncovered regarding subject’s operating history or the manner in which payments are fulfilled. As such the company is considered to be a fair trade risk.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.35

UK Pound

1

Rs.98.93

Euro

1

Rs.77.92

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

NIT

 

               

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.