MIRA INFORM REPORT

 

 

Report No. :

315497

Report Date :

02.04.2015

 

IDENTIFICATION DETAILS

 

Name :

KCT GLOBAL PTE. LTD.

 

 

Registered Office :

80, Robinson Road, 02-00, 068898,

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2014

 

 

Date of Incorporation :

10.08.2011

 

 

Com. Reg. No.:

201118980-H

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Subject is principally engaged in the investment holding

 

 

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 – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

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

 

 

 

Company name and address

 

 

REGISTRATION NO.

:

201118980-H

COMPANY NAME

:

KCT GLOBAL PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

10/08/2011

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

80, ROBINSON ROAD, 02-00, 068898, SINGAPORE.

BUSINESS ADDRESS

:

80, ROBINSON ROAD, 02-00, 068898, SINGAPORE.

TEL.NO.

:

65-62363333

FAX.NO.

:

65-62364399

CONTACT PERSON

:

VIRENDRA KUMAR ARORA ( DIRECTOR )

PRINCIPAL ACTIVITY

:

INVESTMENT HOLDING

ISSUED AND PAID UP CAPITAL

:

2,800,001.00 ORDINARY SHARE, OF A VALUE OF USD 2,800,001.00

SALES

:

USD 15,716,104 [2014]

NET WORTH

:

USD 3,128,530 [2014]

STAFF STRENGTH

:

N/A

BANKER (S)

:

DEUTSCHE BANK AKTIENGESELLSCHAFT

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

SLOW BUT CORRECT

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

MARGINAL 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) investment holding.

 

The immediate holding company of the Subject is KARAM CHAND THAPAR & BROS. (COAL SALES) LTD., a company incorporated in INDIA.

 

Share Capital History

Date

Issue & Paid Up Capital

17/12/2014

USD 2,800,001.00

 

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

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

KARAM CHAND THAPAR & BROS. (COAL SALES) LTD.

THAPAR HOUSE, 25, BRABOURNE ROAD. KOLKATA, WB, 700001, INDIA.

T11UF3190J

2,800,001.00

100.00

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

------

2,800,001.00

100.00

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

=====



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

VIRENDRA KUMAR ARORA

Address

:

22, NAVRANG 10/1, ALIPORE PARK PLACE KOLKATA-27, INDIA.

IC / PP No

:

J1561485

Nationality

:

INDIAN

Date of Appointment

:

02/05/2012

 

DIRECTOR 2

 

Name Of Subject

:

MANOJ KUMAR JAIN

Address

:

20/1, CHELTA ROAD, 13B, DIAMOND HEIGHTS, KOLKATA, WEST BENGAL, 13TH FLOOR, 700027, INDIA.

IC / PP No

:

G1100330

Nationality

:

INDIAN

Date of Appointment

:

06/12/2013

 

DIRECTOR 3

 

Name Of Subject

:

EDDIE TEOH SIAH HAI

Address

:

2, MARSHALL ROAD, 424838, SINGAPORE.

IC / PP No

:

S0616955D

Date of Appointment

:

01/07/2012



MANAGEMENT

 

 

 

1)

Name of Subject

:

VIRENDRA KUMAR ARORA

Position

:

DIRECTOR

 

 

 

AUDITOR

 

Auditor

:

ROBIN CHIA & CO.

Auditor' Address

:

N/A

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

TAY CHEE WAH

IC / PP No

:

S6968275H

Address

:

1, BEDOK SOUTH AVENUE, 1, 09-921, 460001, SINGAPORE.

 

2)

Company Secretary

:

CHAN WAN MEI

IC / PP No

:

S7268474E

Address

:

577, PASIR RIS STREET 53, 06-96, 510577, SINGAPORE.

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

DEUTSCHE BANK AKTIENGESELLSCHAFT

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C201206617

19/06/2012

N/A

DEUTSCHE BANK AKTIENGESELLSCHAFT

-

Unsatisfied

 

 

LITIGATION 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 staff from the registered office refused to disclose the Subject's suppliers.

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

[

]

Fair 91-120 Days

[

]

Poor >120 Days

[

X

]

 

 

CLIENTELE

 

Local

:

N/A

Overseas

:

N/A

 

The staff from the registered office refused to disclose the Subject's clientele.

 

 

OPERATIONS

 

Services

:

INVESTMENT HOLDING

 

Branch

:

NO

 

Other Information:


The Subject is principally engaged in the (as a / as an) investment holding.

The staff from the registered office refused to disclose 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

:

65-62363333

Match

:

N/A

Address Provided by Client

:

80, ROBINSON ROAD, 02-00,068898 SINGAPORE

Current Address

:

80, ROBINSON ROAD, 02-00, 068898, SINGAPORE.

Match

:

YES

 

 

Other Investigations


We contacted one of the staff from the Subject's registered office and she only provided limited information.

She refused to disclose the Subject's number of employees.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Increased

[

12,594.55%

]

Profit/(Loss) Before Tax

:

Increased

[

266.88%

]

Return on Shareholder Funds

:

Acceptable

[

11.00%

]

Return on Net Assets

:

Acceptable

[

11.23%

]

The increase in turnover could be due to the Subject adopting an aggressive marketing strategy.The higher profit could be attributed to the increase in turnover. The Subject's management had generated acceptable return for its shareholders using its assets.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Unfavourable

[

365 Days

]

Creditors Ratio

:

Unfavourable

[

164 Days

]

As the Subject is a service oriented company, the Subject does not need to keep stocks. The Subject's debtors ratio was high. The Subject should tighten its credit control and improve its collection period. The unfavourable creditors' ratio could be due to the Subject taking advantage of the credit granted by its suppliers. However this may affect the goodwill between the Subject and its suppliers and the Subject may inadvertently have to pay more for its future supplies.

Liquidity

Liquid Ratio

:

Favourable

[

1.19 Times

]

Current Ratio

:

Unfavourable

[

1.19 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

:

Acceptable

[

9.04 Times

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject's interest cover was slightly low. If there is no sharp fall in its profit or sudden increase in the interest rates, we believe the Subject is able to generate sufficient income to service its interest and repay the loans. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

Generally, the Subject's performance has improved with higher turnover and profit. 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. The Subject had an acceptable interest cover. If there is no sudden sharp increase in interest rate or fall in the Subject's profit, we do believe the Subject is able to generate sufficient cash flow to service its interest payment. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : FAIR

 

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 :

ECONOMY

The Ministry of Trade and Industry (MTI) announced that it expects the Singapore economy to grow by around 3.0% in 2014, and by 2.0 to 4.0% in 2015. Besides that in 2013, the economy grew by 4.1%, higher than the 1.9% growth in 2012. This was mainly due to strong growth in the services producing industries, particularly the finance & insurance, as well as wholesale & retail trade sectors.

In 2013, all sectors contributed positively to growth. Finance & insurance was the largest contributor (1.2 percentage-points), followed by wholesale & retail trade (0.8 percentage-points) and business services (0.6 percentage-points). Growth in the manufacturing sector was improved by 1.7%, on the back of strong growth in the electronics and transport engineering clusters. By contrast, growth in the construction sector moderated to 5.9%, from 8.6% in 2012.

Growth in the services producing industries picked up to 5.3% in 2013, from 2.0% in 2012. This was mainly due to stronger growth in the finance & insurance and wholesale & retail trade sectors. The finance & insurance sector grew by 11%, up from 1.3% in the previous year. The wholesale & retail trade sector has expanded by 5.0%, after declining by 1.4% the year before.

For the whole of 2013, growth in total demand was 3.1%, similar to the pace of growth in 2012. External demand was the key contributor to total demand growth, accounting for 2.7 percentage-points, or almost 90%, of the increase. External demand grew at a faster pace of 3.6%, compared to the 1.4% growth in 2012. This was supported mainly by growth in the exports of machinery & transport equipment, miscellaneous manufactures, and transport services. Total domestic demand rose by a modest 1.7%, following the 8.6% increase in 2012. The slower growth in total domestic demand was primarily due to the decline in gross fixed capital formation (GFCF).

For the full year, total consumption expenditure grew by 4.4% in 2013, faster than the 2.8% growth in 2012. Public consumption expenditure increased by 11%, a strong rebound from the 1.9% decline in 2012. Private consumption expenditure recorded gains of 2.7%, moderating from the 4.1% increase in the preceding year.

Furthermore, in the first three quarters of 2014, the Singapore economy grew by 3.3% on a year-on-year basis. For the rest of the year, growth is expected to ease slightly on a year-on-year basis, in line with a projected slowdown in the global economy. Externally-oriented sectors such as the manufacturing and transportation & storage sectors are likely to slow, whereas growth in the construction sector will continue to be weighed down by the weakness in private sector construction activities. On the other hand, domestically-oriented sectors like business services are likely to remain resilient.

Additionally, the labour market in Singapore is expected to remain tight in 2015, with low unemployment and rising vacancy rates. Against this global and domestic backdrop, the growth outlook for the Singapore economy remains modest. In tandem with the expected pick-up in external demand, externally-oriented sectors such as manufacturing, wholesale trade and finance & insurance are likely to provide support to growth. While some domestically-oriented sectors such as businesses services are expected to remain resilient, labour-intensive ones like construction, retail and food services may see their growth weighed down by labour constraints.

OVERALL INDUSTRY OUTLOOK : MARGINAL GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2011, the Subject is a Private Limited company, focusing on investment holding. The Subject has been in business for less than 5 years and it has slowly been building up contact with its clients while competing in the industry. However, it has yet to enjoy a stable market shares as it need to compete many well established players in the same field. A paid up capital of USD 2,800,001 allows the Subject to expand its business more comfortably. With a strong backing from its holding company, the Subject enjoys timely financial assistance should the needs arise.

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. Return on shareholders' funds of the Subject was at an acceptable range which indicated that the management was efficient in utilising its funds to generate income. The Subject is in good 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. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at USD 3,128,530, the Subject should be able to maintain its business in the near terms.

Without a strong assets backing, the Subject may face difficulties in getting loans for its future expansion and continued growth .

The poor payment habit may affect the goodwill between the Subject and its suppliers and the Subject may inadvertently have to pay more for its future supplies.

The industry has reached its maturity stage and only enjoying a marginal growth. The steady growth of the country's economy will further enhance the industry activities. Thus, the Subject's future performance is very much depend on its marketing strategies in order to retain its position in the market.

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.

KCT GLOBAL PTE. LTD.

 

Financial Year End

2014-03-31

2013-03-31

2012-03-31

Months

12

12

8

Consolidated Account

Company

Company

Company

Audited Account

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

Financial Type

FULL

FULL

FULL

Currency

USD

USD

USD

TURNOVER

15,716,104

123,802

-

Other Income

124,099

202,111

-

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

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

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

Total Turnover

15,840,203

325,913

-

Costs of Goods Sold

(14,811,122)

-

-

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

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

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

Gross Profit

1,029,081

-

-

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

312,481

85,173

(23,594)

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

312,481

85,173

(23,594)

Taxation

(40,404)

(7,127)

-

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

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

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

PROFIT/(LOSS) AFTER TAXATION

344,313

78,046

(23,594)

Minority interests

(24)

(24)

24

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

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

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

PROFIT/(LOSS) BEFORE EXTRAORDINARY ITEMS

344,289

78,022

(23,570)

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

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

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

PROFIT/(LOSS) ATTRIBUTABLE TO SHAREHOLDERS

344,289

78,022

(23,570)

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

54,452

(23,570)

-

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

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

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

As restated

54,452

(23,570)

-

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

398,741

54,452

(23,570)

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

398,741

54,452

(23,570)

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

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

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

Bankers' acceptance

13,058

5,473

-

Lease interest

25,811

1,114

-

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

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

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

38,869

6,587

-

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

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

 

 

BALANCE SHEET

 

 

KCT GLOBAL PTE. LTD.

 

Trade debtors

15,714,094

56,302

-

Other debtors, deposits & prepayments

823,392

518,912

-

Interest receivable

35,263

36,811

-

Amount due from director

-

1,000

1,000

Cash & bank balances

395,664

16,504

21,066

Others

2,593,479

3,190,957

-

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

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

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

TOTAL CURRENT ASSETS

19,561,892

3,820,486

22,066

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

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

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

TOTAL ASSET

19,561,892

3,820,486

22,066

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

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

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

CURRENT LIABILITIES

Trade creditors

6,640,974

-

-

Other creditors & accruals

33,418

18,479

4,671

Amounts owing to holding company

99,066

7,137

39,988

Amounts owing to director

-

4,942

-

Provision for taxation

40,501

7,127

-

Other liabilities

9,619,403

927,348

-

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

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

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

TOTAL CURRENT LIABILITIES

16,433,362

965,033

44,659

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

3,128,530

2,855,453

(22,593)

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

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

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

TOTAL NET ASSETS

3,128,530

2,855,453

(22,593)

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

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

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

SHARE CAPITAL

Ordinary share capital

2,800,001

2,800,001

1

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

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

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

TOTAL SHARE CAPITAL

2,800,001

2,800,001

1

Retained profit/(loss) carried forward

326,553

54,452

(23,570)

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

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

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

TOTAL RESERVES

326,553

54,452

(23,570)

MINORITY INTEREST

1,976

1,000

976

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

3,128,530

2,855,453

(22,593)

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

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

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

3,128,530

2,855,453

(22,593)

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

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

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

 

 

 

FINANCIAL RATIO

 

 

KCT GLOBAL PTE. LTD.

 

TYPES OF FUNDS

Cash

395,664

16,504

21,066

Net Liquid Funds

395,664

16,504

21,066

Net Liquid Assets

3,128,530

2,855,453

(22,593)

Net Current Assets/(Liabilities)

3,128,530

2,855,453

(22,593)

Net Tangible Assets

3,128,530

2,855,453

(22,593)

Net Monetary Assets

3,128,530

2,855,453

(22,593)

BALANCE SHEET ITEMS

Total Borrowings

0

0

0

Total Liabilities

16,433,362

965,033

44,659

Total Assets

19,561,892

3,820,486

22,066

Net Assets

3,128,530

2,855,453

(22,593)

Net Assets Backing

3,128,530

2,855,453

(22,593)

Shareholders' Funds

3,128,530

2,855,453

(22,593)

Total Share Capital

2,800,001

2,800,001

1

Total Reserves

326,553

54,452

(23,570)

LIQUIDITY (Times)

Cash Ratio

0.02

0.02

0.47

Liquid Ratio

1.19

3.96

0.49

Current Ratio

1.19

3.96

0.49

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

0

Debtors Ratio

365

166

0

Creditors Ratio

164

0

0

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

0.00

Liabilities Ratio

5.25

0.34

(1.98)

Times Interest Earned Ratio

9.04

13.93

0.00

Assets Backing Ratio

1.12

1.02

(22,593.00)

PERFORMANCE RATIO (%)

Operating Profit Margin

1.99

68.80

0.00

Net Profit Margin

2.19

63.02

0.00

Return On Net Assets

11.23

3.21

104.43

Return On Capital Employed

11.22

3.21

109.15

Return On Shareholders' Funds/Equity

11.00

2.73

104.32

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

0

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.59

UK Pound

1

Rs.92.46

Euro

1

Rs.67.51

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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.