MIRA
INFORM REPORT
|
Report Date : |
22.09.2014 |
IDENTIFICATION DETAILS
|
Name : |
UNIONTRADE S.R.L. |
|
|
|
|
Registered Office : |
Via Enrico Mattei, 1 20068 -
Peschiera Borromeo (MI) -IT- |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as on) : |
31.12.2013 |
|
|
|
|
Date of Incorporation : |
16.05.1985 |
|
|
|
|
Legal Form : |
Limited liability company |
|
|
|
|
Line of Business : |
·
Manufacture of condiments and spices ·
Intermediaries involved in the sale of food,
beverages and tobacco ·
Wholesale of food, beverages and tobacco ·
Wholesale of coffee, tea, cocoa and spices ·
Retail sale in non-specialised stores with
prevelance of food and be verages |
|
|
|
|
No. of Employees : |
from 51 to 70 |
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 : |
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.
ITALY - ECONOMIC OVERVIEW
Italy has a diversified industrial economy, which is divided
into a developed industrial north, dominated by private companies, and a
less-developed, highly subsidized, agricultural south, where unemployment is
higher. The Italian economy is driven in large part by the manufacture of
high-quality consumer goods produced by small and medium-sized enterprises,
many of them family-owned. Italy also has a sizable underground economy, which
by some estimates accounts for as much as 17% of GDP. These activities are most
common within the agriculture, construction, and service sectors. Italy is the
third-largest economy in the euro-zone, but its exceptionally high public debt
and structural impediments to growth have rendered it vulnerable to scrutiny by
financial markets. Public debt has increased steadily since 2007, topping 133%
of GDP in 2013, but investor concerns about Italy and the broader euro-zone crisis
eased in 2013, bringing down Italy's borrowing costs on sovereign government
debt from euro-era. The government still faces pressure from investors and
European partners to sustain its efforts to address Italy's long-standing
structural impediments to growth, such as labor market inefficiencies and
widespread tax evasion. In 2013 economic growth and labor market conditions
deteriorated, with growth at -1.8% and unemployment rising to 12.4%, with youth
unemployment around 40%. Italy's GDP is now 8% below its 2007 pre-crisis level.
|
Source
: CIA |
Company name and address
UNIONTRADE S.R.L.
Via Enrico Mattei, 1
20068 - Peschiera
Borromeo (MI) -IT-
Summary
|
Fiscal Code |
: |
07645640157 |
|
Legal Form |
: |
Limited liability company |
|
start of Activities |
: |
16/05/1985 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
35.000.000/50.000.000 |
|
Number of Employees |
: |
from 51 to 70 |
|
|
|
n.b.: The Creditworthness Rate shows, in percentage, the ratio between
the suggested credit opinion and the credit amount that the firm could get if
the financial situation would be completely positive. |
Activity
Manufacture of condiments and spices
Intermediaries involved in the sale of food, beverages and tobacco
Wholesale of food, beverages and tobacco
Wholesale of coffee, tea, cocoa and spices
Retail sale in non-specialised stores with prevelance of food and be verages
Legal Data
Legal Form : Limited liability company
|
Fiscal Code : 07645640157 |
|
Foreign Trade Reg. no. : MI081204 since 31/12/1991 |
|
Chamber of Commerce no. : 1173088 of Milano since 21/01/1985 |
|
Firms' Register : MI146-240234 of Milano since 19/02/1996 |
|
V.A.T. Code : 07645640157 |
|
Establishment date |
: 10/12/1984 |
|
|
Start of Activities |
: 16/05/1985 |
|
|
Legal duration |
: 31/12/2050 |
|
|
Nominal Capital |
: 800.000 |
|
|
Subscribed Capital |
: 800.000 |
|
|
Paid up Capital |
: 800.000 |
|
Members
|
|
Sun Tzu |
Hsi |
|
|
|
Born |
on 03/01/1957 |
- Fiscal Code : SNUTHS57A03Z210Z |
|
|
|
: |
|
Via Quarenghi |
, 23 |
- 20100 |
Milano |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
|
|
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Zhu |
Jing Yi |
|
|
|
Born in Zhejiang |
( ) |
on 22/02/1963 |
- Fiscal Code : ZHUJGY63B62Z210Z |
|
|
|
Residence: |
|
Caravaggio |
, 2 |
- 20090 |
Segrate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Person in charge |
01/01/2006 |
|
|
|
Sole Director |
06/10/1997 |
|
|
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
Companies connected to members *
*checkings have been performed on a national scale.
In this module are listed the companies in which members hold or have
holded positions.
|
|
Zhu |
Jing Yi |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Group Eight S.r.l. |
Milano (MI) - IT - |
12641280156 |
Sole Director |
Active |
Registered |
|
Kathay Di Zhu Jing Yi |
Milano (MI) - IT - |
ZHUJGY63B62Z210Z |
Proprietor |
Active |
Registered |
The indication "REGISTERED" as Firm Status could refer to
Firms in Liquidation, Active, Inactive, etc.
For more information, in this case, we advise to request further
investigations.
Capital Shareholders
Shareholders' list as at date of data collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Zhu Jing Yi |
Segrate - IT - |
ZHUJGY63B62Z210Z |
400.000 .Eur |
50,00 |
|
Sun Tzu Hsi |
Milano - IT - |
SNUTHS57A03Z210Z |
400.000 .Eur |
50,00 |
Direct Participations
The Company under review has participations in the following Companies:
|
Firm's Style |
Seat |
Fiscal Code |
Owned Shares Amount |
% Ownership |
since |
until |
Share Status |
|
N.s.g. S.r.l. |
Segrate - IT - |
05230030966 |
24.500 .Eur |
24,50 |
|
|
Active |
Firm's location and structure
In order to carry out its activities the firm uses the following
locations:
|
- |
Legal and operative seat |
|
since 23/03/2005 |
|
|
|
|
|
|
Enrico Mattei |
, 1 |
- 20068 |
- Peschiera Borromeo |
(MI) |
- IT - |
|
|
|
|
PHONE |
: 02/96922898 |
|
|
|
|
PHONE |
: 0226920308 |
|
- |
Branch |
(Store) |
since 01/12/1986 |
until 31/08/1996 |
|
|
|
|
|
|
Forlanini |
, 0065 |
- 20100 |
- Milano |
(MI) |
- IT - |
|
- |
Branch |
(Store) |
since 29/04/1996 |
until 30/09/1996 |
|
|
|
|
|
|
Galileo Galilei |
, 5 |
- 20090 |
- Segrate |
(MI) |
- IT - |
|
|
|
|
PHONE |
: 0226921372 |
|
|
|
|
FAX |
: 0226921378 |
|
- |
Branch |
(Store) |
since 13/09/2002 |
until 30/06/2007 |
|
|
|
|
|
|
Torricelli |
, 10 |
- 20090 |
- Segrate |
(MI) |
- IT - |
|
- |
Branch |
|
since 23/02/2005 |
until 31/01/2006 |
|
|
|
|
|
|
Galileo Galilei |
, 5 |
- 20090 |
- Segrate |
(MI) |
- IT - |
|
|
|
|
Employees |
: 51 |
|
Fittings and Equipment for a value of 210.000 |
Eur |
|
Stocks for a value of 7.210.000 |
Eur |
The firm has a direct commercial organization
The company sells in Italy and abroad.
The company supplies wholesalers and retailers.
|
|
Export represents up to 20% of the global turnover.
Products abroad are placed by :
|
- importers |
|
- trading companies |
Purchase terms: 60-90-120 days.
Subject mostly pays its suppliers by issueing of drafts and/or by
by bank transfers.
Import comes generally from the following nations:
|
- Cina |
|
- Giappone |
|
- Hong Kong |
Historical Information and/or Firm's Status
COMPANY STYLE MODIFICATIONS:
|
Former Style |
New Style |
Changement Date |
|
China Trading Srl |
Uniontrade Srl |
23/03/2005 |
EX-MEMBERS / EX-POSITIONS:
|
|
Albanese |
Lucia |
|
|
|
Born in Milano |
(MI) |
on 14/08/1954 |
- Fiscal Code : LBNLCU54M54F205D |
|
|
|
Residence: |
|
P.zza Caneva |
, 3 |
- 20100 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Milani |
Alessandro |
|
|
|
Born in Milano |
(MI) |
on 11/10/1969 |
- Fiscal Code : MLNLSN69R11F205L |
|
|
|
Residence: |
|
Catalani |
, 81 |
- 20019 |
Settimo Milanese |
(MI) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Sun Tzu |
Hsi |
|
on 03/01/1957 |
- Fiscal Code : SNUTHS57A03Z210Z |
|
|
|
: |
|
Via Quarenghi |
, 23 |
- 20100 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Partner |
|
|
Bazzoni |
Lorenzo |
|
|
|
Born in Milano |
(MI) |
on 07/03/1973 |
- Fiscal Code : BZZLNZ73C07F205N |
|
|
|
Residence: |
|
Caduti Da Nassiriya |
, 8/C |
- 20068 |
Peschiera Borromeo |
(MI) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Bazzoni |
Dario |
|
|
|
Born in Milano |
(MI) |
on 15/11/1943 |
- Fiscal Code : BZZDRA43S15F205Q |
|
|
|
Residence: |
|
Veneto |
, 9/4 |
- 20068 |
Peschiera Borromeo |
(MI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Galantino |
Franco |
|
|
|
Born in Milano |
(MI) |
on 01/05/1968 |
- Fiscal Code : GLNFNC68E01F205Y |
|
|
|
Residence: |
|
Bagarotti Maffeo |
, 44 |
- 20152 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Mazzi |
Giuseppe |
|
|
|
Born in Milano |
(MI) |
on 27/06/1935 |
- Fiscal Code : MZZGPP35H27F205F |
|
|
|
Residence: |
|
Del Duca Cino |
, 5 |
- 20122 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Sun |
Tzi Hsi |
|
|
|
Born in Cina |
( ) |
on 03/01/1957 |
- Fiscal Code : SNUTHS57A03Z210Z |
|
|
|
Residence: |
|
Oberdan Guglielmo |
, 4 |
- 20129 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Sole Director |
|
|
Stella |
Alberto |
|
|
|
Born in Milano |
(MI) |
on 12/06/1960 |
- Fiscal Code : STLLRT60H12F205E |
|
|
|
Residence: |
|
Martinelli Guido |
, 67 |
- 20142 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Catelli |
Emilio |
|
|
|
Born in Premosello-Chiovenda |
(NO) |
on 05/06/1926 |
- Fiscal Code : CTLMLE26H05H037N |
|
|
|
Residence: |
|
Plana |
, 20 |
- 20155 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Lattanzio |
Ruggiero |
|
|
|
Born in Barletta |
(BA) |
on 11/10/1960 |
- Fiscal Code : LTTRGR60R11A669W |
|
|
|
Residence: |
|
Grandi Giuseppe |
, 24 |
- 20135 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Gandini |
Idalgo |
|
|
|
Born in Milano |
(MI) |
on 27/09/1938 |
- Fiscal Code : GNDDLG38P27F205E |
|
|
|
Residence: |
|
San Rocco |
, 5 |
- 20090 |
Segrate |
(MI) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
Protests
Protests checking on the subject firm has given a negative result.
Data Base Prejudicial Events
Search
Search performed on a National Scale
|
|
|
Prejudicial Events Search Result: NEGATIVE |
Search performed on a specialized data base.
Legal Procedures
None reported, standing to the latest received edition of the Official
Publications.
Bankers
The firm operates with:
|
Bank Name |
Agency Name |
Address |
ZIP Code |
City |
ABI Code |
CAB Code |
|
BANCA NAZIONALE DEL LAVORO SPA |
Agenzia n. 13 |
|
20100 |
Milano (MI) |
1005 |
0 |
|
UNICREDIT BANCA D'IMPRESA S.P.A. |
MILANO CORDUSIO |
VIA TOMMASO GROSSI, 10 |
20100 |
Milano (MI) |
3226 |
1604 |
Financial and Economical Analysis
Subject is active since 1985
Balance sheets for the years 2011, 2012 and 2013 were analyzed.
Under an economic point of view, profits were registered during the last
years with a r.o.e. of 0,94% in 2013 with a stable trend in the turnover.
The operating result in 2013 was positive (6,01%) and in line with the
sector's average.
The amount of the operating result for the year 2013 is of Eur. 997.812
recording a drop as opposed to the year before (-48,29%).
During the latest financial year the gross operating margin amounted to
Eur. 1.327.584 showing a downward trend as opposed to the previous year.
The analysis shows a fair financial position as the indebtedness volume
is acceptable (1,79) yet on the increase as against the previous accounting
period.
Subject can manage an equity capital funds for an amount of Eur.
5.649.415 , unchanged if compared to 2012.
The financial management has recorded total debts amounting to Eur.
10.402.474, , with no sensible variation.
Bank borrowings' volume is slightly high but the recourse to suppliers'
credit is modest which is also lower than the sector average.
Payments are supported by good current assets.
On average trade credits are collected in 35,28 days. , a value lower
than the sector's average.
The financial management generated a cash flow of Eur. 383.039.
During 2013 financial year labour costs amounted to Eur. 2.030.684, with
a 4,66% incidence on production costs. , whereas the incidence on sales
revenues is of 4,6%.
Limited financial charges in relation to sales volume.
Financial Data
|
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
44.145.413 |
|
Profit (Loss) for the period |
53.267 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
41.896.538 |
|
Profit (Loss) for the period |
714.683 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
41.457.717 |
|
Profit (Loss) for the period |
520.553 |
|
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
38.005.463 |
|
Profit (Loss) for the period |
-317.801 |
Balance Sheets
From our constant monitoring of the relevant Public Administration offices,
no more recent balance sheets result to have been filed.
|
- Balance Sheet as at 31/12/2013 - 12 Mesi - Currency: - Amounts x 1 |
|
- Balance Sheet as at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1 |
|
- Balance Sheet as at 31/12/2011 - 12 Mesi - Currency: - Amounts x 1 |
|
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|
|
RATIOS |
Value Type |
as at 31/12/2013 |
as at 31/12/2012 |
as at 31/12/2011 |
Sector Average |
|
COMPOSITION ON INVESTMENT |
|
|
|
|
|
|
Rigidity Ratio |
Units |
0,17 |
0,21 |
0,19 |
0,13 |
|
Elasticity Ratio |
Units |
0,81 |
0,76 |
0,78 |
0,85 |
|
Availability of stock |
Units |
0,43 |
0,43 |
0,41 |
0,16 |
|
Total Liquidity Ratio |
Units |
0,37 |
0,33 |
0,38 |
0,62 |
|
Quick Ratio |
Units |
0,02 |
0,05 |
0,05 |
0,03 |
|
COMPOSITION ON SOURCE |
|
|
|
|
|
|
Net Short-term indebtedness |
Units |
1,79 |
1,45 |
2,16 |
5,02 |
|
Self Financing Ratio |
Units |
0,34 |
0,38 |
0,29 |
0,13 |
|
Capital protection Ratio |
Units |
0,85 |
0,73 |
0,72 |
0,58 |
|
Liabilities consolidation quotient |
Units |
0,05 |
0,05 |
0,04 |
0,10 |
|
Financing |
Units |
1,84 |
1,57 |
2,32 |
6,17 |
|
Permanent Indebtedness Ratio |
Units |
0,37 |
0,41 |
0,32 |
0,25 |
|
M/L term Debts Ratio |
Units |
0,03 |
0,03 |
0,02 |
0,07 |
|
Net Financial Indebtedness Ratio |
Units |
1,40 |
1,11 |
1,78 |
1,16 |
|
CORRELATION |
|
|
|
|
|
|
Fixed assets ratio |
Units |
2,16 |
1,96 |
1,72 |
1,57 |
|
Current ratio |
Units |
1,29 |
1,28 |
1,15 |
1,09 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,59 |
0,56 |
0,55 |
0,85 |
|
Structure's primary quotient |
Units |
1,97 |
1,81 |
1,59 |
0,96 |
|
Treasury's primary quotient |
Units |
0,03 |
0,08 |
0,07 |
0,05 |
|
Rate of indebtedness ( Leverage ) |
% |
293,75 |
265,70 |
340,10 |
743,68 |
|
Current Capital ( net ) |
Value |
2.993.115 |
2.497.054 |
1.660.542 |
70.465 |
|
RETURN |
|
|
|
|
|
|
Return on Sales |
% |
0,87 |
2,49 |
1,97 |
1,66 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
0,94 |
12,77 |
10,66 |
6,68 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
4,26 |
21,59 |
18,68 |
19,39 |
|
Return on Investment ( R.O.I. ) |
% |
6,01 |
12,98 |
10,43 |
3,84 |
|
Return/ Sales |
% |
2,26 |
4,61 |
4,18 |
2,16 |
|
Extra Management revenues/charges incid. |
% |
5,34 |
37,04 |
30,05 |
28,56 |
|
Cash Flow |
Value |
383.039 |
1.041.655 |
815.650 |
48.046 |
|
Operating Profit |
Value |
997.812 |
1.929.743 |
1.732.339 |
59.910 |
|
Gross Operating Margin |
Value |
1.327.584 |
2.256.715 |
2.027.436 |
99.701 |
|
MANAGEMENT |
|
|
|
|
|
|
Credits to clients average term |
Days |
35,28 |
34,26 |
43,76 |
86,56 |
|
Debts to suppliers average term |
Days |
15,66 |
13,56 |
11,18 |
100,32 |
|
Average stock waiting period |
Days |
58,83 |
54,88 |
58,52 |
31,97 |
|
Rate of capital employed return ( Turnover ) |
Units |
2,66 |
2,82 |
2,50 |
1,82 |
|
Rate of stock return |
Units |
6,12 |
6,56 |
6,15 |
11,18 |
|
Labour cost incidence |
% |
4,60 |
4,66 |
3,79 |
5,95 |
|
Net financial revenues/ charges incidence |
% |
-1,04 |
-1,16 |
-1,28 |
-0,81 |
|
Labour cost on purchasing expenses |
% |
4,66 |
4,84 |
3,94 |
5,95 |
|
Short-term financing charges |
% |
4,44 |
5,55 |
4,69 |
2,18 |
|
Capital on hand |
% |
37,59 |
35,49 |
40,05 |
54,67 |
|
Sales pro employee |
Value |
700.720 |
837.930 |
863.702 |
507.074 |
|
Labour cost pro employee |
Value |
32.233 |
39.062 |
32.777 |
32.650 |
Remarks
1) Protests checking (relative to the last five years) performed by
crossing and matching the members names and the Firm's Style with the reported
addresses, is supplied by the Informatic Registry managed by the Italian
Chamber of Commerce. If the fiscal code is not indicated, the eventual
homonymous cases are submitted to expert staff evaluation in order to limit
wrong matching risks.
2) The Legal Data, supplied and retrived from the Firm's Registry of the
Italian Chamber of Commerce, are in line with the last registered
modifications.
3) Risk evaluation and Credit Opinion have been performed on the base of
the actual data at the moment of their availability.
Market
/ Territory Data
|
Population living in the province |
: |
|
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
3.839.216Monthly family expences average in the region (in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Sector
Data
The values are calculated on a base of 5.101 significant companies.
The companies cash their credits on an average of 87 dd.
The average duration of suppliers debts is about 100 dd.
The sector's profitability is on an average of 1,66%.
The labour cost affects the turnover in the measure of 5,95%.
Goods are held in stock in a range of 32 dd.
The difference between the sales volume and the resources used to
realize it is about 1,82.
The employees costs represent the 5,95% of the production costs.
Statistical
Detrimental Data
Statistically the trade activity passes through serious crises.
The area is statistically considered lowly risky.
In the region 50.886 protested subjects are found; in the province they
count to 24.765.
The insolvency index for the region is 0,55, , while for the province it
is 0,66.
Total Bankrupt companies in the province : 22.523.
Total Bankrupt companies in the region : 39.612.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.60.81 |
|
|
1 |
Rs.100.06 |
|
Euro |
1 |
Rs.78.47 |
INFORMATION DETAILS
|
Analysis Done by
: |
SUB |
|
|
|
|
Report Prepared
by : |
SDA |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.