|
Report Date : |
26.09.2014 |
IDENTIFICATION DETAILS
|
Name : |
ROXCEL HANDELSGESELLSCHAFT M.B.H. |
|
|
|
|
Registered Office : |
Thurngasse 10, A-1092 Wien |
|
|
|
|
Country : |
|
|
|
|
|
Financials (as on) : |
31.12.2013 |
|
|
|
|
Date of Incorporation : |
1993 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
Wholesale of paper in bulk |
|
|
|
|
No. of Employees : |
140 |
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) |
|
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 |
|
Last up-date: |
2014-09-24 |
|
Company name: |
ROXCEL Handelsgesellschaft m.b.H. |
|
Status: |
active company |
|
Locations: |
Thurngasse 10, A-1092 Wien |
|
Phone: |
0043 (1) 40156 - 100 |
|
Fax: |
0043 (1) 40156 - 7100 |
|
E-mail: |
roxcel@roxcel.com |
|
Internet: |
http://www.roxcel.com |
|
Activities: |
Önace 46761 100% Wholesale of paper in bulk |
|
|
|
|
General Assessment: |
Model: CompanyScore |
|
Probability of Default (Basel II): |
0,22% Low risk |
|
comparison: |
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: |
Merchandise is mainly imported. Domestic obligations are settled within net agreements. |
|
|
Financial situation is average. |
|
Year of incorporation: |
1993 |
|
||||
|
Activities: |
|
|
||||
|
Type of company: |
Wholesale and retail trade; repair of motor vehicles |
|
||||
|
Legal form: |
limited liability company since 2005-07-28 |
|
||||
|
companies' house number: |
FN 267218 v Wien 2005-10-07 |
|
||||
|
VAT number: |
ATU 61993034 |
|
||||
|
number - Austrian National Bank: |
7113951 |
|
||||
|
|
|
|||||
|
|
||||||
|
Import |
Country |
|
|
|
||
|
Import |
world-wide |
|
2014 |
|
||
|
|
||||
|
Export |
Country |
|
|
|
|
Export |
world-wide |
|
2014 |
|
Financial data:
|
total turnover (total sales) |
2014 |
EUR 600.000.000,00 |
(expected) |
|
total turnover (total sales) |
2013 |
EUR 426.557.407,79 |
(exact) |
|
total turnover (total sales) |
2012 |
EUR 503.974.411,20 |
(exact) |
|
total turnover (total sales) |
2011 |
EUR 535.342.944,40 |
(exact) |
|
total turnover (total sales) |
2010 |
EUR 478.157.247,27 |
(exact) |
|
turnover (sales) - group |
2013 |
EUR 822.778.000,00 |
(exact) |
|
turnover (sales) - group |
2012 |
EUR 892.685.000,00 |
(exact) |
|
turnover (sales) - group |
2011 |
EUR 816.407.000,00 |
(exact) |
|
turnover (sales) - group |
2010 |
EUR 729.411.000,00 |
(exact) |
|
turnover (sales) - group |
2009 |
EUR 617.734.000,00 |
(exact) |
|
total employees |
2014 |
140 |
(approx.) |
|
white collar workers |
2014 |
140 |
(approx.) |
|
total investments |
2013 |
EUR 993.130,02 |
(exact) |
|
total company vehicles |
2014 |
9 |
(exact) |
|
cars |
2014 |
9 |
(exact) |
Extraxt from the Companies' House:
|
firm (style): |
|
1
ROXCEL Handelsgesellschaft m.b.H. |
|
legal form: |
|
1
Gesellschaft mit beschränkter Haftung |
|
registered office: |
|
1
politischer Gemeinde Wien |
|
business adress: |
|
47
Thurngasse 10 |
|
capital: |
|
1
EUR 1.000.000 |
|
reference date annual accounts: |
|
1
31. Dezember |
|
annual accounts: |
|
48
zum 31.12.2013 eingereicht am 17.09.2014 |
|
consolidated accounts: |
|
49
zum 31.12.2013 eingereicht am 17.09.2014 |
|
power of representation: |
|
1
Mit Gesellschafterbeschluss oder durch Beschluss der |
|
proxy: |
|
D
Alexandra Holzmann, geb. 12.05.1964 |
|
managing director: |
|
A
Ahmad Porkar Aghdam, geb. 17.05.1952 |
|
shareholder: |
|
A
Ahmad Porkar Aghdam, geb. 17.05.1952 |
|
general table: |
|
Handelsgericht Wien |
|
Real estate KSV text: |
|
No real estate property registered |
|
Surname
|
Date of birth
|
Address
|
Executive positions
|
Further executive positions (as registered in the companies' house) |
|
Dr. Gertrude Eder
|
1957-07-31
|
3400 Klosterneuburg Nikolaihofgasse 15 |
manager
|
1
|
|
Mag. Helmut Franz Gruber |
1958-12-25
|
3411 Weidling Hauptstraße 59G
|
manager
|
4
|
|
Ahmad Porkar-Aghdam |
1952-05-17 |
1190 Wien Kroneggergasse 24 |
manager, partner |
6 |
|
Anna Bauernfeind |
1957-01-01 |
1200 Wien Treustraße 3 |
partner |
0 |
|
Mag. Daniel Feldmann |
1958-05-30 |
1092 Wien Thurngasse 10 c/o |
partner |
1 |
|
Sima Porkar-Aghdam |
1960-08-12 |
1190 Wien Kroneggerstraße 24 |
partner |
1 |
|
Martin Assem |
1963-07-15 |
3442 Langenrohr Birkengasse 11 |
joint signing clerk |
1 |
|
Fariba Dittrich |
1963-03-25 |
2102 Bisamberg Birkengasse 41 |
joint signing clerk |
2 |
|
Kurt Franz Grüllenberger
|
1960-05-22
|
4490 Markt St. Florian Höhenstraße 5 |
joint signing clerk
|
3
|
|
Alexandra Holzmann |
1964-05-12 |
1092 Wien Thurngasse 10 (c/o) |
joint signing clerk |
0 |
|
Mag. Gernot Huber |
1978-02-17 |
1150 Wien Flachgasse 41 |
joint signing clerk |
1 |
|
Peter Hutter
|
1957-11-29
|
3411 Weidling Schwahappelgasse 49 |
joint signing clerk
|
2
|
|
Mag. Peter Langthaler
|
1952-06-03
|
2380 Perchtoldsdorf Hochstraße 9 |
joint signing clerk
|
2
|
|
Elfriede Mühlhauser
|
1959-03-20
|
1220 Wien Schiffmühlenstraße 90 |
joint signing clerk
|
2
|
|
|
kfm. Angestellte |
|||
|
Mag. Vahid Sigari-Majd |
1974-11-15 |
1070 Wien Apollogasse 9 |
joint signing clerk |
3 |
|
Cornelis van-der-Geest |
1953-10-11 |
1220 Wien Silenegasse 17 |
joint signing clerk |
2 |
|
Brian Miller |
|
1092 Wien Thurngasse 10(c/o) |
head of accounting |
0 |
|
Eva Nahas |
|
1092 Wien Thurngasse 10(c/o) |
head of personnel |
0 |
(absolute) all amounts in EUR
|
|
2013-12-31 |
|
|
|
|
|
Franchises, patents, licences, trademarks and similar rights and advantages |
35.324,87 |
|
|
|
|
|
Sum intangible assets |
35.324,87 |
|
|
|
|
|
|
|||||
|
Land and leasehold rights with buildings thereon including building on land owned by third parties |
1,00 |
|
|
|
|
|
Other operating and business equipment |
621.010,30 |
|
|
|
|
|
Sum tangible assets |
621.011,30 |
|
|
|
|
|
|
|||||
|
Shares on related firms |
26.957.131,03 |
|
|
|
|
|
Other shareholdings |
199.585,65 |
|
|
|
|
|
Loans to related firms |
300.000,00 |
|
|
|
|
|
Sum financial assets |
27.456.716,68 |
|
|
|
|
|
|
|||||
|
Sum fixed assets |
28.113.052,85 |
|
|
|
|
|
|
|||||
|
Finished products |
19.019.677,45 |
|
|
|
|
|
Advanced payments |
688.199,48 |
|
|
|
|
|
Received advanced payments for orders |
-2.464.291,41 |
|
|
|
|
|
Sum stock |
17.243.585,52 |
|
|
|
|
|
|
|||||
|
Claims from delivered goods and performed services |
70.559.851,72 |
|
|
|
|
|
Claims against related firmes Claims against companies with shareholding relationship |
7.904.050,80 |
|
|
|
|
|
Other claims and assets |
11.953.026,44 |
|
|
|
|
|
Sum claims |
90.416.928,96 |
|
|
|
|
|
|
|||||
|
Cash on hand, cheques and bank deposits |
1.274.772,47 |
|
|
|
|
|
Sum cash and bank |
1.274.772,47 |
|
|
|
|
|
|
|||||
|
Sum current assets |
108.935.286,95 |
|
|
|
|
|
|
|||||
|
Deferred charges |
47.715,24 |
|
|
|
|
|
Sum deferred charges |
47.715,24 |
|
|
|
|
|
Assets |
137.096.055,04 |
|
|
|
|
|
|
|||||
|
Subscribed/declared capital |
1.000.000,00 |
|
|
|
|
|
Committed capital reserves |
100.000,00 |
|
|
|
|
|
Not committed capital reserves |
14.914.237,44 |
|
|
|
|
|
Balance sheet profit/balance sheet loss |
15.030.725,25 |
|
|
|
|
|
Thereof profit/loss carried forward |
13.569.276,72 |
|
|
|
|
|
Sum equity capital |
31.044.962,69 |
|
|
|
|
|
|
|||||
|
Reserves for severance pays |
281.780,35 |
|
|
|
|
|
Tax reserves |
610.295,98 |
|
|
|
|
|
Other reserves |
7.441.347,90 |
|
|
|
|
|
Sum reserves |
8.333.424,23 |
|
|
|
|
|
|
|||||
|
Liabilities against credit institutes |
44.740.509,22 |
|
|
|
|
|
Received advanced payments for orders |
832.474,71 |
|
|
|
|
|
Liabilities from delivered goods and performed services |
45.116.168,33 |
|
|
|
|
|
Liabilities against related firms |
4.559.582,68 |
|
|
|
|
|
Other liabilities |
2.468.933,18 |
|
|
|
|
|
Sum liabilities |
97.717.668,12 |
|
|
|
|
|
|
|||||
|
Liabilities |
137.096.055,04 |
|
|
|
|
|
|
|||||
|
Contingent liabilities |
50.304.264,29 |
|
|
|
|
|
Balance sheet sum |
137.096.055,04 |
|
|
|
|
(absolute) all amounts in EUR
|
|
2013-12-31 |
|
|
|
|
|
Gross sales |
426.557.407,79 |
|
|
|
|
|
Total turnover or gross profit |
426.557.407,79 |
|
|
|
|
|
|
|||||
|
Other operating profits |
6.379.638,14 |
|
|
|
|
|
Other operating profits totally |
6.379.638,14 |
|
|
|
|
|
|
|||||
|
Material costs |
-371.125.699,23 |
|
|
|
|
|
Costs for obtained services totally |
-371.125.699,23 |
|
|
|
|
|
|
|||||
|
Other operating costs |
-635.812,31 |
|
|
|
|
|
Marketing costs |
-53.225.177,26 |
|
|
|
|
|
Administration costs |
-5.127.298,57 |
|
|
|
|
|
Other taxes |
-51.297,56 |
|
|
|
|
|
Total costs |
-59.039.585,70 |
|
|
|
|
|
|
|||||
|
Operating result totally |
2.771.761,00 |
|
|
|
|
|
|
|||||
|
Profits from shareholdings |
4.510,00 |
|
|
|
|
|
Interest income, securties income and similar income |
367.020,83 |
|
|
|
|
|
Interest and similar disbursements |
-1.192.790,89 |
|
|
|
|
|
Financial expenses |
-4.999,99 |
|
|
|
|
|
Financial profits totally |
-826.260,05 |
|
|
|
|
|
|
|||||
|
Results from usual business activity totally |
1.945.500,95 |
|
|
|
|
|
|
|||||
|
Taxes on income and profits |
-484.052,42 |
|
|
|
|
|
Taxes on income and profits totally |
-484.052,42 |
|
|
|
|
|
Annual surplus/annual deficit totally |
1.461.448,53 |
|
|
|
|
|
|
|||||
|
Annual profit/annual loss totally |
1.461.448,53 |
|
|
|
|
|
|
|||||
|
Profit and loss carried forward from previous year |
13.569.276,72 |
|
|
|
|
|
Transfer of profits totally |
13.569.276,72 |
|
|
|
|
|
B/S profit/ B/S loss from profit and loss account |
15.030.725,25 |
|
|
|
|
|
|
2013 |
|
|
|
|
|
|
Cash flow II |
1.461.448,53 |
|
|
|
|
|
|
Debt amortisation period |
71,12 |
|
|
|
|
|
|
Bank indebtedness |
32,63 |
|
|
|
|
|
|
Equity capital share |
22,78 |
|
|
|
|
|
|
Social capital share |
0,20 |
|
|
|
|
|
|
Fixed assets coverage |
111,43 |
|
|
|
|
|
|
Net profit ratio |
0,45 |
|
|
|
|
|
|
Capital turnover |
3,11 |
|
|
|
|
|
|
Return on investment |
2,28 |
|
|
|
|
|
|
Cash flow in % of operating performance |
0,34 |
|
|
|
|
|
|
Cash flow I |
1.945.500,95 |
|
|
|
|
|
|
Gross productivity |
0,00 |
|
|
|
|
|
|
Net productivity |
0,00 |
|
|
|
|
|
|
Operating performance |
426.557.407,79 |
|
|
|
|
|
|
Inventories in % of operating performance |
4,04 |
|
|
|
|
|
|
Gross profit |
55.431.708,56 |
|
|
|
|
|
|
Type |
Locations |
Description |
|
|
|
|
|
operational |
Thurngasse 10, A-1090 Wien |
registered office |
|
|
|
|
|
operational |
Thurngasse 10, A-1092 Wien |
registered headquarters, rented premises |
|
|
|
roxcel@roxcel.com |
|
former |
Thurngasse 10, A-1092 Wien |
registered office |
|
|
|
|
|
Company name
|
Postal code
|
Stake in %
|
|
Companies House
|
|
Shares in this company are held by: |
||||
|
Porkar Holding GmbH
|
Thurngasse 10, A-1090 Wien |
44.99 % 2012-01-27
|
|
FN 345841 s
|
|
PORKAR PRIVATSTIFTUNG
|
Kohlmarkt 14, A-1010 Wien |
43.02 % 2005-10-07
|
|
FN 203659 z
|
|
HUTTER Consulting GmbH
|
Schwahappelgasse 49, A-3411 Weidling |
3 % 2007-07-24
|
|
FN 287079 a
|
|
Fariba GmbH
|
Birkengasse 41, A-2102 Bisamberg |
1 % 2010-05-21
|
|
FN 295802 d
|
|
VSM Tradeconsulting GmbH
|
Apollogasse 9, A-1070 Wien |
1 % 2007-07-24
|
|
FN 287052 k
|
|
Double E Consulting GmbH
|
Kramergasse 9/7, A-1010 Wien |
1 % 2007-07-24
|
|
FN 287056 t
|
|
PL Trade-Consult GmbH
|
Paulinensteig 31/1/6, A-1160 Wien |
1 % 2007-07-24
|
|
FN 294294 k
|
|
van der Geest GmbH
|
Silenegasse 17, A-1220 Wien |
1 % 2007-07-24
|
|
FN 294414 m
|
|
Polacek Handels GmbH
|
Unterm Wagram 9, A-3464 Hausleiten |
1 % 2011-10-22
|
|
FN 324236 v
|
|
Mag. Daniel Feldmann
|
Thurngasse 10 c/o, A-1092 Wien |
1 % 2007-08-15
|
|
|
|
Anna Bauernfeind
|
Treustraße 3/4, A-1200 Wien |
0.99 % 2007-10-16
|
|
|
|
Sima Porkar-Aghdam
|
Kroneggerstraße 24, A-1190 Wien |
0.99 % 2005-10-07
|
|
|
|
Ahmad Porkar-Aghdam
|
Kroneggergasse 24, A-1190 Wien |
0.01 % 2005-10-07
|
|
|
|
|
||||
|
This company holds 100% of the shares in: |
||||
|
Raccolta Molnar & Greiner Gesellschaft m.b.H. |
Thurngasse 10, A-1092 Wien |
100 % 2006-03-25
|
|
FN 118063 y
|
|
|
||||
|
This company holds 50% to 99% of the shares in: |
||||
|
Brigl & Bergmeister GmbH
|
Proleberstraße 10, A-8712 Niklasdorf |
99.9 % 2011-07-15
|
|
FN 331483 a
|
|
ABAX Informationstechnik GmbH
|
Thurngasse 10, A-1090 Wien |
50 % 2006-03-25
|
|
FN 133584 y
|
|
LEROX Datenverarbeitung GmbH
|
Thurngasse 10, A-1090 Wien |
50 % 2006-03-28
|
|
FN 185890 v
|
|
|
||||
|
Affiliated companies and further participations: |
||||
|
ROXCEL Immobilien GmbH
|
Thurngasse 10, A-1092 Wien |
|
|
FN 51442 a
|
|
Energie- und Abfallverwertungs Gesellschaft m.b.H. |
Proleberstraße 4, A-8712 Niklasdorf |
|
|
FN 87192 z
|
|
|
|
|
|
|
Banker |
Bank sort code |
Type of banking connection |
|
|
UniCredit Bank Austria AG, 1011 Wien
|
12000
|
main bank connection
|
|
|
Oberbank AG, 1011 Wien
|
15000
|
main bank connection
|
|
|
Deutsche Bank Aktienges., 1013 Wien
|
19100
|
main bank connection
|
|
|
Erste Bank der oesterreichischen Sparkassen AG, 1011 Wien
|
20111
|
main bank connection
|
|
|
Raiffeisen Bank International AG, 1011 Wien
|
31000
|
main bank connection
|
|
|
RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG, 1011 Wien
|
32000
|
main bank connection
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Year of incorporation: |
1993 |
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Date of registration: |
2005-10-07 |
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Former executives: |
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From |
To |
Function |
Name |
|
2005-10-25 |
2013-08-10 |
individual signing clerk |
Alexandra Holzmann |
|
2011-06-15 |
2013-08-10 |
manager |
Erkin Ersoy |
|
2005-10-25 |
2009-01-20 |
individual signing clerk |
Martin Assem |
|
2008-12-20 |
2011-06-15 |
individual signing clerk |
Erkin Ersoy |
|
2006-03-17 |
2011-06-15 |
individual signing clerk |
Mag. Helmut Franz Gruber |
|
2005-10-25 |
2013-08-10 |
individual signing clerk |
Cornelis van der Geest |
|
|
2013-08-10 |
individual signing clerk |
Martin Assem |
|
2007-10-19 |
2013-08-10 |
individual signing clerk |
Fariba Dittrich |
|
2009-02-27 |
2013-08-10 |
individual signing clerk |
Kurt Franz Grüllenberger |
|
|
2013-08-10 |
individual signing clerk |
Mag. Gernot Huber |
|
2005-10-25 |
2013-08-10 |
individual signing clerk |
Peter Hutter |
|
2005-10-25 |
2013-08-10 |
individual signing clerk |
Mag. Peter Langthaler |
|
2005-10-25 |
2013-08-10 |
individual signing clerk |
Elfriede Mühlhauser |
|
2007-10-19 |
2013-08-10 |
individual signing clerk |
Mag. Vahid Sigari Majd |
|
2005-10-25 |
2005-11-29 |
joint signing clerk |
Alexandra Holzmann |
|
2005-10-25 |
2005-11-29 |
joint signing clerk |
Peter Hutter |
|
2005-10-25 |
2005-11-29 |
joint signing clerk |
Mag. Peter Langthaler |
|
2005-10-25 |
2005-11-29 |
joint signing clerk |
Cornelis van der Geest |
|
2005-10-25 |
2005-11-29 |
joint signing clerk |
Martin Assem |
|
2005-10-25 |
2005-11-29 |
joint signing clerk |
Elfriede Mühlhauser |
|
|
2014-02-20 |
joint signing clerk |
Edith Schütz Klinsler |
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2005-11-29 |
2008-01-10 |
individual signing clerk |
Mag. Reinhard Edlinger |
|
2005-10-25 |
2013-08-10 |
individual signing clerk |
Edith Schütz Klinsler |
|
2005-10-25 |
2005-11-29 |
joint signing clerk |
Edith Schütz Klinsler |
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Former shareholdings: |
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|
From |
To |
Name |
|
2011-01-12 |
2011-05-28 |
Porkar Holding GmbH |
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.61.02 |
|
|
1 |
Rs.99.42 |
|
Euro |
1 |
Rs.77.84 |
INFORMATION DETAILS
|
Analysis Done by
: |
RAS |
|
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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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.