MIRA INFORM REPORT
|
Report No. : |
316589 |
|
Report Date : |
10.04.2015 |
IDENTIFICATION DETAILS
|
Name : |
PONZIO S.R.L. |
|
|
|
|
Registered Office : |
Via Dei Fabbri, SNC 64025 -
Pineto (TE) |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2013 |
|
|
|
|
Date of Incorporation : |
15.06.1990 |
|
|
|
|
Legal Form : |
Limited liability company |
|
|
|
|
Line of Business : |
|
|
|
|
|
No. of Employee : |
From 201 to 250 |
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 – December 31, 2014
|
Country Name |
Previous Rating (30.09.2014) |
Current Rating (31.12.2014) |
|
Italy |
A2 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
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
PONZIO S.R.L.
Via Dei Fabbri, SNC 64025 - Pineto
(TE) -IT-
Summary
|
Fiscal Code |
: |
00061490678 |
|
Legal Form |
: |
Limited liability company |
|
start of Activities |
: |
15/06/1990 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
35.000.000/50.000.000 |
|
Number of Employees |
: |
from 201 to 250 |
Activity
MANUFACTURE OF METAL PRODUCTS ( EXCEPT MACHINERY AND EQUIPMENT)
Manufacture of locks and hinges
Legal
Data
Legal Form : Limited liability company
|
Fiscal Code : 00061490678 |
|
Foreign Trade Reg. no. : TE002577 since 24/01/1992 |
|
Foreign Trade Reg. no. : 2577 of Teramo since 24/01/1992 |
|
Foreign Trade Reg. no. : 002577 of Teramo since 24/01/1992 |
|
Chamber of Commerce no. : 49514 of Teramo since 04/04/1966 |
|
Firms' Register : TE041-1038 of Teramo since 19/02/1996 |
|
V.A.T. Code : 00061490678 |
|
Tribunal Co. Register : 2303 of |
|
Foundation date |
: 22/02/1966 |
|
|
Establishment date |
: 22/02/1966 |
|
|
Start of Activities |
: 15/06/1990 |
|
|
Legal duration |
: 31/12/2050 |
|
|
Nominal Capital |
: 1.560.000 |
|
|
Subscribed Capital |
: 1.560.000 |
|
|
Paid up Capital |
: 1.560.000 |
|
Legal mail : |
AMMINISTRAZIONE@PEC.PONZIOSUD.IT |
Members
|
|
Ponzio |
Sergio |
|
|
Born in Milano |
(MI) |
on 04/04/1959 |
- Fiscal Code : PNZSRG59D04F205C |
|
|
Residence: |
Galileo Galilei |
, 33 |
- 65122 |
Pescara |
(PE) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
28/11/1997 |
||
|
Managing Director |
12/01/2009 |
||
|
Director |
21/12/2008 |
||
|
Board Chairman |
25/10/2010 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Ponzio |
Emilio |
|
|
Born in Como |
(CO) |
on 12/08/1921 |
- Fiscal Code : PNZMLE21M12F205I |
|
|
Residence: |
G. D'annunzio |
, 217 |
- 64025 |
Pineto |
(TE) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
28/11/2001 |
||
|
Director |
18/06/2013 |
||
|
Managing Director |
11/07/2013 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Ponzio |
Giuseppe |
|
|
Born in Milano |
(MI) |
on 19/05/1951 |
- Fiscal Code : PNZGPP51E19F205B |
|
|
Residence: |
Collemorino |
, 25 |
- 64025 |
Pineto |
(TE) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Managing Director |
12/01/2009 |
||
|
Director |
21/12/2008 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Di Berardino |
Tonino |
|
|
Born in Pietranico |
(PE) |
on 17/11/1949 |
- Fiscal Code : DBRTNN49S17G621J |
|
|
Residence: |
Carducci |
, 41 |
- 65100 |
Pescara |
(PE) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
21/12/2008 |
|
|
D'isidoro |
Gianni |
|
|
Born in Silvi |
(TE) |
on 21/05/1951 |
- Fiscal Code : DSDGNN51E21I741V |
|
|
Residence: |
De Rosa |
, 20 |
- 64028 |
Silvi |
(TE) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
21/12/2008 |
||
|
Managing Director |
12/01/2009 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Pavone |
Alessandro |
|
|
Born in Pescara |
(PE) |
on 05/05/1971 |
- Fiscal Code : PVNLSN71E05G482S |
|
|
Residence: |
Fonte Nardangelo |
, 12 INT.5 |
- 65019 |
Pianella |
(PE) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
23/05/2014 |
|
|
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.
|
|
Ponzio |
Sergio |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Ponzio System S.r.l. |
Pescara (PE) - IT - |
01204650681 |
Sole Director |
Active |
Registered |
|
Progetto Auto S.r.l. |
Pineto (TE) - IT - |
00896440674 |
Managing
Director |
Active |
Registered |
|
Progetto Auto S.r.l. |
Pineto (TE) - IT - |
00896440674 |
Director |
Active |
Registered |
|
Progetto Auto S.r.l. |
Pineto (TE) - IT - |
00896440674 |
Board Chairman |
Active |
Registered |
|
Pin. Ser. S.n.c. Di Ponzio Giuseppe E Ponzio Sergio |
Pineto (TE) - IT - |
00877510677 |
Partner |
Withdrawn |
Ceased |
|
Crapun S.r.l. |
Pescara (PE) - IT - |
01519430670 |
Sole Director |
Withdrawn |
Registered |
|
Immobiliare Beach Palace S.r.l. |
Pescara (PE) - IT - |
01686960681 |
Director |
Active |
Registered |
|
Immobiliare Beach Palace S.r.l. |
Pescara (PE) - IT - |
01686960681 |
Attorney with
special power |
Active |
Registered |
|
Immobiliare Beach Palace S.r.l. |
Pescara (PE) - IT - |
01686960681 |
Board Chairman |
Active |
Registered |
|
Caledo S.r.l |
Pescara (PE) - IT - |
01984020683 |
Sole Director |
Active |
Registered |
|
Caledo S.r.l |
Pescara (PE) - IT - |
01984020683 |
Sole partner |
Active |
Registered |
|
|
Ponzio |
Emilio |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Ponzio Accessori S.r.l. |
Pineto (TE) - IT - |
00529610677 |
Chairman |
Active |
Registered |
|
Immobiliare Beach Palace S.r.l. |
Pescara (PE) - IT - |
01686960681 |
Sole Director |
Withdrawn |
Registered |
|
|
Ponzio |
Giuseppe |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Opera S.p.a. |
Pescara (PE) - IT - |
00927480681 |
Director |
Withdrawn |
Registered |
|
Testun S.r.l. |
Pescara (PE) - IT - |
01234660684 |
Sole Director |
Withdrawn |
Registered |
|
Testun S.r.l. |
Pescara (PE) - IT - |
01234660684 |
Liquidator |
Withdrawn |
Registered |
|
Pin. Ser. S.n.c. Di Ponzio Giuseppe E Ponzio Sergio |
Pineto (TE) - IT - |
00877510677 |
Partner |
Withdrawn |
Ceased |
|
Ponzio Alluminio S.r.l. |
Pineto (TE) - IT - |
00426850673 |
Sole Director |
Withdrawn |
Ceased |
|
Immobiliare Beach Palace S.r.l. |
Pescara (PE) - IT - |
01686960681 |
Attorney with
special power |
Active |
Registered |
|
Rec S.r.l |
Pescara (PE) - IT - |
01983950682 |
Sole Director |
Active |
Registered |
|
Rec S.r.l |
Pescara (PE) - IT - |
01983950682 |
Sole partner |
Active |
Registered |
|
Pinser S.r.l |
Pescara (PE) - IT - |
02118090683 |
Director |
Active |
Registered |
|
|
D'isidoro |
Gianni |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Progetto Auto S.r.l. |
Pineto (TE) - IT - |
00896440674 |
Managing
Director |
Active |
Registered |
|
Progetto Auto S.r.l. |
Pineto (TE) - IT - |
00896440674 |
Director |
Active |
Registered |
|
Progetto Auto S.r.l. |
Pineto (TE) - IT - |
00896440674 |
Assistant board
Chairman |
Active |
Registered |
|
Dimensione Solare S.r.l. |
Notaresco (TE) - IT - |
01701180679 |
Director |
Active |
Registered |
|
Helian S.p.a. |
Notaresco (TE) - IT - |
01832300675 |
Director |
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 |
|
Ponzio Sergio |
Pescara - IT - |
PNZSRG59D04F205C |
764.400 .Eur |
49,00 |
|
Ponzio Giuseppe |
Pineto - IT - |
PNZGPP51E19F205B |
764.400 .Eur |
49,00 |
|
Di Berardino Tonino |
Pescara - IT - |
DBRTNN49S17G621J |
15.600 .Eur |
1,00 |
|
D'isidoro Gianni |
Silvi - IT - |
DSDGNN51E21I741V |
15.600 .Eur |
1,00 |
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 |
|
Polytec S.R.L. |
Bernalda - IT - |
00616920773 |
25.245 .Eur |
25,00 |
Active |
||
|
Romana Ponzio Societa' A Responsabilita' Limitata |
Roma - IT - |
04904431006 |
39.000 .Eur |
50,00 |
Active |
||
|
Get Export |
Teramo - IT - |
00943000679 |
Active |
Firm's
location and structure
In order to carry out its activities the firm uses the following
locations:
|
- |
Legal and operative seat |
since 18/01/1983 |
|
Dei Fabbri |
, SNC |
- 64025 |
- Pineto |
(TE) |
- IT - |
|
PHONE |
: 08594641 |
|
Legal mail |
: AMMINISTRAZIONE@PEC.PONZIOSUD.IT |
|
- |
Branch |
(Factory) |
|
Scerne |
- 64025 |
- Pineto |
(TE) |
- IT - |
|
PHONE |
: 08594641 |
|
FAX |
: 0859461325 |
|
Employees |
: 218 |
|
Assistants |
: 5 |
|
Fittings and Equipment for a value of 4.930.000 |
Eur |
|
Stocks for a value of 11.500.000 |
Eur |
|
Furniture and fittings for a value of 100.000 |
Eur |
|
Vehicles for a value of 260.000 |
Eur |
The firm operates abroad as importer / exporter..
To purchase foreign products the firm uses the following channels :
|
- direct orders to foreign companies |
Export represents up to 20% of the global turnover.
Products abroad are placed by :
|
- direct orders from foreign companies |
Import comes generally from the following nations:
|
- Greece |
Export is mainly towards:
|
- Svizzera |
|
- Guyana |
|
- Germany |
|
- France |
|
- Belgium |
|
- Luxembourg |
|
- Greece |
|
- Portugal |
|
- Spain |
|
- Austria |
Historical Information and/or Firm's Status
EX-MEMBERS / EX-POSITIONS:
|
|
Ponzio |
Emilio |
|
|
Born in Como |
(CO) |
on 12/08/1921 |
- Fiscal Code : PNZMLE21M12F205I |
|
|
Residence: |
G. D'annunzio |
, 217 |
- 64025 |
Pineto |
(TE) |
- IT - |
|
Ex-Postions |
|
Sole Director |
|
Procurator |
|
Board Chairman |
|
Director |
|
|
Ponzio |
Giuseppe |
|
|
Born in Milano |
(MI) |
on 19/05/1951 |
- Fiscal Code : PNZGPP51E19F205B |
|
|
Residence: |
Collemorino |
, 25 |
- 64025 |
Pineto |
(TE) |
- IT - |
|
Ex-Postions |
|
Sole Director |
|
Board Chairman |
|
|
D'incecco |
Alfredo |
|
|
Born in Caramanico Terme |
(PE) |
on 08/06/1958 |
- Fiscal Code : DNCLRD58H08B722Z |
|
|
Residence: |
Isonzo |
, 2 |
- 65122 |
Pescara |
(PE) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Ponzio |
Emilio |
|
|
Born in Como |
(CO) |
on 27/01/1976 |
- Fiscal Code : PNZMLE76A27E507G |
|
|
Residence: |
Austria |
, 14 |
- 64025 |
Pineto |
(TE) |
- IT - |
|
Ex-Postions |
|
Procurator |
CEASINGS/INCORPORATIONS/MERGES:
|
|
The firm absorbed by merging of |
|
|
|
|
Zona Industriale |
, 64025 |
, Pineto |
(TE) |
- IT - |
|
|
Fiscal Code: 00426850673 |
|
|
Date |
: |
09/10/1993 |
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.
Financial
and Economical Analysis
Company's starting of activities dates back to 1990.
An eco-fin analysis has been made on the base od the b/s fo the years
2011, 2012 and 2013.
During the last years, it recorded positive net results (r.o.e. 1,35% in
2013) with a stable trend in the turnover.
The operating result in 2013 was positive (2,99%) and in line with the
sector's average.
An operating result of Eur. 2.273.399 has been registered. with a 33,09%
growth.
The G.O.M. amounted to Eur. 4.653.852 , stable if compared to the year
before.
The company has an excellent net worth if compared to its debts, with a low
indebtedness (0,69) improved in comparison with the year before (0,98.).
It's shareholders funds amount to Eur. 34.530.588 on the same levels as
the year before.
During the last financial year total debts volume reached Eur.
38.700.318 (Eur. 8.093.498 were m/l term ones) on the same levels as the year
before.
Moderate recourse to bank credit while the exposure towards suppliers is
rather high but lined up with the field's average.
Liquidity is good (1,35)
Due from customers average term is high and equal to 160,47 days. and
higher than the average of the sector.
Eur. 2.847.031 is the value of cash flow during the year 2013
In the last financial year labour cost was of Eur. 8.753.370, with a
19,24% incidence on total costs of production. , with a 18,49% incidence on
turnover.
The incidence of the financial charges is of -1,2% on the sales amount.
Financial
Data
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
47.332.129 |
|
Profit (Loss) for the period |
466.578 |
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
47.655.671 |
|
Profit (Loss) for the period |
639.824 |
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
55.607.915 |
|
Profit (Loss) for the period |
2.126.178 |
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
58.141.276 |
|
Profit (Loss) for the period |
2.056.038 |
|
|
Complete balance-sheet for the year |
al 31/12/2009 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
55.889.656 |
|
Profit (Loss) for the period |
3.367.545 |
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 |
0,45 |
0,48 |
0,44 |
0,25 |
|
Elasticity Ratio |
Units |
0,54 |
0,51 |
0,56 |
0,73 |
|
Availability of stock |
Units |
0,15 |
0,16 |
0,16 |
0,10 |
|
Total Liquidity Ratio |
Units |
0,39 |
0,36 |
0,40 |
0,54 |
|
Quick Ratio |
Units |
0,09 |
0,03 |
0,11 |
0,04 |
|
COMPOSITION ON
SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
0,69 |
0,98 |
0,88 |
2,42 |
|
Self Financing Ratio |
Units |
0,45 |
0,45 |
0,41 |
0,21 |
|
Capital protection Ratio |
Units |
0,94 |
0,94 |
0,89 |
0,63 |
|
Liabilities consolidation quotient |
Units |
0,29 |
0,08 |
0,21 |
0,26 |
|
Financing |
Units |
1,12 |
1,11 |
1,36 |
3,09 |
|
Permanent Indebtedness Ratio |
Units |
0,57 |
0,49 |
0,51 |
0,40 |
|
M/L term Debts Ratio |
Units |
0,12 |
0,04 |
0,10 |
0,12 |
|
Net Financial Indebtedness Ratio |
Units |
0,54 |
0,69 |
0,66 |
0,58 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
1,25 |
1,02 |
1,16 |
1,48 |
|
Current ratio |
Units |
1,35 |
1,07 |
1,20 |
1,29 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,97 |
0,74 |
0,86 |
0,95 |
|
Structure's primary quotient |
Units |
1,00 |
0,94 |
0,93 |
0,89 |
|
Treasury's primary quotient |
Units |
0,22 |
0,07 |
0,23 |
0,06 |
|
Rate of indebtedness ( Leverage ) |
% |
220,42 |
220,00 |
245,39 |
477,68 |
|
Current Capital ( net ) |
Value |
10.616.313 |
2.563.844 |
7.567.032 |
488.475 |
|
RETURN |
|||||
|
Return on Sales |
% |
6,02 |
6,39 |
8,63 |
4,33 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
1,35 |
1,88 |
6,36 |
5,93 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
4,14 |
4,23 |
11,12 |
20,32 |
|
Return on Investment ( R.O.I. ) |
% |
2,99 |
2,28 |
4,79 |
5,26 |
|
Return/ Sales |
% |
4,80 |
3,58 |
7,06 |
4,49 |
|
Extra Management revenues/charges incid. |
% |
20,52 |
37,46 |
54,13 |
28,71 |
|
Cash Flow |
Value |
2.847.031 |
3.043.266 |
4.796.312 |
162.657 |
|
Operating Profit |
Value |
2.273.399 |
1.708.075 |
3.928.136 |
174.462 |
|
Gross Operating Margin |
Value |
4.653.852 |
4.111.517 |
6.598.270 |
273.905 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
160,47 |
163,43 |
148,82 |
108,78 |
|
Debts to suppliers average term |
Days |
120,98 |
105,09 |
113,73 |
113,90 |
|
Average stock waiting period |
Days |
87,50 |
88,54 |
84,52 |
32,43 |
|
Rate of capital employed return ( Turnover ) |
Units |
0,62 |
0,64 |
0,68 |
1,17 |
|
Rate of stock return |
Units |
4,11 |
4,07 |
4,26 |
10,77 |
|
Labour cost incidence |
% |
18,49 |
17,88 |
16,08 |
22,15 |
|
Net financial revenues/ charges incidence |
% |
-1,20 |
-0,76 |
-0,96 |
-1,14 |
|
Labour cost on purchasing expenses |
% |
19,24 |
18,27 |
17,10 |
22,67 |
|
Short-term financing charges |
% |
2,30 |
2,20 |
2,22 |
2,70 |
|
Capital on hand |
% |
160,81 |
157,25 |
147,50 |
85,32 |
|
Sales pro employee |
Value |
214.172 |
179.156 |
238.660 |
172.307 |
|
Labour cost pro employee |
Value |
39.608 |
32.029 |
38.374 |
35.127 |
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 |
: |
|
Monthly family expences average in the region (in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Statistical
Detrimental Data
Statistcally the trade activity shows periods of crisis.
The area is statistically considered remarkably risky.
In the region 11.587 protested subjects are found; in the province they
count to 3.368.
The insolvency index for the region is 0,90, , while for the province it
is 1,15.
Total Bankrupt companies in the province : 1.327.
Total Bankrupt companies in the region : 5.123.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.62.26 |
|
|
1 |
Rs.92.49 |
|
Euro |
1 |
Rs.66.99 |
INFORMATION DETAILS
|
Analysis Done by
: |
RAS |
|
|
|
|
Report Prepared
by : |
ANK |
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.