MIRA INFORM REPORT
|
Report No. : |
317011 |
|
Report Date : |
13.04.2015 |
IDENTIFICATION DETAILS
|
Name : |
STERILGARDA
ALIMENTI S.P.A. |
|
|
|
|
Registered Office : |
Via Medole, 52, 46043 - Castiglione
Delle Stiviere (MN) |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2013 |
|
|
|
|
Date of Incorporation : |
10.07.1985 |
|
|
|
|
Legal Form : |
Joint stock company |
|
|
|
|
Line of Business : |
Dairy and Cheese Making Industries, Hygiene
Treatment, Milk Conservation Hygiene Treatment of Milk. |
|
|
|
|
No. of Employees : |
From 251 to 500 |
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 |
A1 |
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
STERILGARDA ALIMENTI
S.P.A.
Via Medole, 52
46043 - Castiglione delle Stiviere (MN) -IT-
Summary
|
Fiscal
Code |
: |
00830690194 |
|
Legal
Form |
: |
Joint
stock company |
|
start
of Activities |
: |
01/10/1988 |
|
Equity |
: |
Over
2.582.254 |
|
Turnover
Range |
: |
over
129.114.224 |
|
Number
of Employees |
: |
from
251 to 500 |
Activity
Dairy
and cheese making industries, hygiene treatment, milk conservation Hygiene
treatment of milk
Legal
Data
Legal
Form : Joint stock company
|
Fiscal
Code : 00830690194 |
|
Foreign
Trade Reg. no. : MN006972 since 01/04/1992 |
|
Foreign
Trade Reg. no. : 6972 of Mantova since 01/04/1992 |
|
Foreign
Trade Reg. no. : 006972 of Mantova since 01/04/1992 |
|
Chamber
of Commerce no. : 159501 of Mantova since 10/10/1986 |
|
Firms'
Register : MN030-13394 of Mantova since 19/02/1996 |
|
V.A.T.
Code : 01515590204 |
|
Tribunal
Co. Register : 13394 of since 17/09/1985 |
|
Foundation
date |
:
10/07/1985 |
|
Establishment
date |
:
10/07/1985 |
|
Start
of Activities |
:
01/10/1988 |
|
Legal
duration |
:
31/12/2050 |
|
Nominal
Capital |
:
5.200.000 |
|
Subscribed
Capital |
:
5.200.000 |
|
Paid
up Capital |
:
5.200.000 |
|
Legal
mail : |
Members
|
|
Sarzi |
Fernando |
|
|
Born
in Marcaria |
(MN) |
on
13/11/1955 |
-
Fiscal Code : SRZFNN55S13E922E |
|
|
Residence: |
Matteotti |
,
1 |
-
46043 |
Castiglione
delle Stiviere |
(MN) |
-
IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
28/04/2012 |
||
|
Managing
Director |
28/04/2012 |
|
|
No
Prejudicial events are reported |
|
|
No
Protests registered |
|
|
Ferrari |
Primo |
|
|
Born
in Casalmaggiore |
(CR) |
on
21/05/1923 |
-
Fiscal Code : FRRPRM23E21B898K |
|
|
Residence: |
Adua |
,
11 |
-
26041 |
Casalmaggiore |
(CR) |
-
IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
28/04/2012 |
||
|
Board
Chairman |
28/04/2012 |
||
|
Managing
Director |
28/04/2012 |
|
|
No
Prejudicial events are reported |
|
|
No
Protests registered |
|
|
Sassi |
Lia |
|
|
Born
in Colorno |
(PR) |
on
23/10/1932 |
-
Fiscal Code : SSSLIA32R63C904E |
|
|
Residence: |
Adua |
-
26041 |
Casalmaggiore |
(CR) |
-
IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
28/04/2012 |
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.
|
|
Sarzi |
Fernando |
|
Firm's
Style |
Seat |
Fiscal
Code |
Position |
Position
Status |
Firm's
Status |
|
Padania
Alimenti S.r.l. O In Forma Abbreviata Padania S.r.l. |
Casalmaggiore
(CR) - IT - |
00838140192 |
Director |
Active |
Registered |
|
Banca
Di Credito Cooperativo Di Castel Goffredo - Societa' Cooperativa |
Castel
Goffredo (MN) - IT - |
00178120200 |
Director |
Active |
Registered |
|
Banca
Di Credito Cooperativo Di Castel Goffredo - Societa' Cooperativa |
Castel
Goffredo (MN) - IT - |
00178120200 |
Assistant
board Chairman |
Active |
Registered |
|
|
Ferrari |
Primo |
|
Firm's
Style |
Seat |
Fiscal
Code |
Position |
Position
Status |
Firm's
Status |
|
Padania
Alimenti S.r.l. O In Forma Abbreviata Padania S.r.l. |
Casalmaggiore
(CR) - IT - |
00838140192 |
Chairman |
Withdrawn |
Registered |
|
Padania
Alimenti S.r.l. O In Forma Abbreviata Padania S.r.l. |
Casalmaggiore
(CR) - IT - |
00838140192 |
Director |
Active |
Registered |
|
Padania
Alimenti S.r.l. O In Forma Abbreviata Padania S.r.l. |
Casalmaggiore
(CR) - IT - |
00838140192 |
Board
Chairman |
Active |
Registered |
|
INDUSTRIA
CASALASCA LATTE ALIMENTARE I.C.L.A. DI FERRARI DR.PRIMO ED EREDI SARTO |
Castiglione
delle Stiviere (CR) - IT - |
00102020195 |
Partner |
Withdrawn |
Registered |
|
SOCIETA'
INIZIATIVE TURISTICHE S.I.T. DIFEDERICI CAROLINA E C. SAS |
Castiglione
delle Stiviere (CR) - IT - |
00174220194 |
Limited
Partner |
Withdrawn |
Registered |
|
Societa'
Agricola San Polo Societa' Semplice |
Casalmaggiore
(CR) - IT - |
00326060191 |
General
Partner |
Withdrawn |
Registered |
|
Societa'
Agricola San Polo Societa' Semplice |
Casalmaggiore
(CR) - IT - |
00326060191 |
Partner |
Active |
Registered |
|
Azienda
Agricola Le Colombarole S.s. DiContesini Pierdante E Ferrari Primo |
Rivarolo
del Re Ed Uniti (CR) - IT - |
00741730196 |
Partner |
Withdrawn |
Registered |
|
Azienda
Agricola Le Colombarole S.s. DiContesini Pierdante E Ferrari Primo |
Rivarolo
del Re Ed Uniti (CR) - IT - |
00741730196 |
Partner |
Active |
Registered |
|
Azienda
Agricola La Quercia Di Ferrari Primo E C. Societa' Semplice |
Casalmaggiore
(CR) - IT - |
00934180191 |
Partner |
Withdrawn |
Registered |
|
STERILGARDA
- S.R.L. |
Casalmaggiore
(MN) - IT - |
00141040204 |
Chairman |
Withdrawn |
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 |
|
Sterilgarda
Alimenti S.p.a. |
Castiglione
delle Stiviere - IT - |
00830690194 |
490.567
.Eur |
9,43 |
|
Sarzi
Fernando |
Castiglione
delle Stiviere - IT - |
SRZFNN55S13E922E |
715.000
.Eur |
13,75 |
|
Ghisini
Luigi |
Sabbioneta
- IT - |
GHSLGU56L25H652U |
52.000
.Eur |
1,00 |
|
Ferrari
Primo |
Casalmaggiore
- IT - |
FRRPRM23E21B898K |
1.862.432
.Eur |
35,81 |
|
Sassi
Lia |
Casalmaggiore
- IT - |
SSSLIA32R63C904E |
1.040.000
.Eur |
20,00 |
|
Ferrari
Gian Paolo |
FRRGPL57P09B898U |
1.040.000
.Eur |
20,00 |
|
|
Sterilgarda
Alimenti S.p.a. |
00830690194 |
490.567
.Eur |
9,43 |
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 |
|
Sterilgarda
Alimenti S.p.a. |
Castiglione
delle Stiviere - IT - |
00830690194 |
490.567
.Eur |
9,43 |
Active |
||
|
Padania
Alimenti S.r.l. O In Forma Abbr eviata Padania S.r.l. |
Casalmaggiore
- IT - |
00838140192 |
140.400
.Eur |
8,25 |
Active |
||
|
Consorzio
Gas Tera |
Firenze
- IT - |
06084650487 |
Active |
Firm's
location and structure
In
order to carry out its activities the firm uses the following locations:
|
- |
Legal
and operative seat |
(Factory) |
since
29/09/1988 |
|
Medole |
,
52 |
-
46043 |
-
Castiglione delle Stiviere |
(MN) |
-
IT - |
|
PHONE |
:
03766741 |
|
FAX |
:
0376631587 |
|
Legal
mail |
:
STERILGARDA@PEC.IT |
|
Employees |
:
284 |
|
Fittings
and Equipment for a value of 9.710.000 |
Eur |
|
Stocks
for a value of 12.210.000 |
Eur |
Trade
organization: direct or by agents.
Sales
area on a national scale.
Import
comes generally from the following nations:
|
-
Germany |
|
-
France |
|
-
Holland |
|
-
Austria |
The
subject firm uses the following own selling brands:
|
-
STERILGARDA |
Historical Information and/or Firm's Status
CHANGES TO THE LEGAL
FORM:
|
Former
legal form |
New
legal form |
Changement
Date |
|
Limited
liability company |
Joint
stock company |
03/11/1988 |
COMPANY STYLE
MODIFICATIONS:
|
Former
Style |
New
Style |
Changement
Date |
|
Prochiber
s.r.l. |
29/09/1988 |
EX-MEMBERS /
EX-POSITIONS:
|
|
Ferrari |
Primo |
|
|
Born
in Casalmaggiore |
(CR) |
on
21/05/1923 |
-
Fiscal Code : FRRPRM23E21B898K |
|
|
Residence: |
Adua |
,
11 |
-
26041 |
Casalmaggiore |
(CR) |
-
IT - |
|
Ex-Postions |
|
Chairman |
|
Managing
Director |
|
|
SAVIOLA |
LORENZO |
|
|
Born
in VIADANA |
(MN) |
on
23/05/1927 |
-
Fiscal Code : SVLLNZ27E23L826O |
|
|
Residence: |
SIGURTA' |
,
C.M. |
-
46043 |
Castiglione
delle Stiviere |
(MN) |
-
IT - |
|
Ex-Postions |
|
Director |
|
|
Stassano |
Mario |
|
|
Born
in Casalmaggiore |
(CR) |
on
22/04/1938 |
-
Fiscal Code : STSMRA38D22B898K |
|
|
Residence: |
Cavour |
,
97 |
-
26041 |
Casalmaggiore |
(CR) |
-
IT - |
|
Ex-Postions |
|
Permanent
Auditor |
|
Chairman
of the Board of Aud. |
|
|
SARTORI |
ORIELE |
|
|
Born
in CASALMAGGIORE |
(CR) |
on
16/10/1959 |
-
Fiscal Code : SRTRLO59R56B898U |
|
|
Residence: |
MENTANA |
-
26041 |
Casalmaggiore |
(CR) |
-
IT - |
|
Ex-Postions |
|
Director |
|
|
Luise |
Daniela |
|
|
Born
in Casalmaggiore |
(CR) |
on
27/03/1955 |
-
Fiscal Code : LSUDNL55C67B898K |
|
|
Residence: |
Romani |
,
63 |
-
26041 |
Casalmaggiore |
(CR) |
-
IT - |
|
Ex-Postions |
|
Temporary
Auditor |
|
|
PARIZZI |
FABRIZIO |
|
|
Born
in SORAGNA |
(PR) |
on
21/11/1953 |
-
Fiscal Code : PRZFRZ53S21I840N |
|
|
Residence: |
MASCAGNI |
,
3 |
-
43100 |
Parma |
(PR) |
-
IT - |
|
Ex-Postions |
|
Temporary
Auditor |
|
|
Penazzi |
Giorgio |
|
|
Born
in Viadana |
(MN) |
on
11/06/1947 |
-
Fiscal Code : PNZGRG47H11L826K |
|
|
Residence: |
Ginnasio |
,
11 |
-
46019 |
Viadana |
(MN) |
-
IT - |
|
Ex-Postions |
|
Permanent
Auditor |
Protests
Protests
checking on the subject firm has given a negative result.
Negativities
In
the name of the firm the following events are registered:
|
Type |
Expiry
Date |
Amount
in |
Reason |
Result |
Closure
Date |
|
Inquiry
before contentious procedure |
23/11/2011 |
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 1988.
Balance
sheets for the years 2011, 2012 and 2013 were analyzed.
During
the last years, it achieved profits (r.o.e. 6,15% on 2013) with a remarkable
upward trend (+8,16% on 2013 compared to 2012 and +10,02% on 2012 compared to
2011).
The
operating result in 2013 was positive (4,58%) falling within the field's
average.
The
amount of the operating result is equal to Eur. 5.636.975 showing a downwards
trend equal to -73,6% if compared to the value of the financial year 2012.
The
gross operating margin of the latest financial year is of Eur. 9.881.671
showing a downward trend as opposed to the previous year.
The
company has an excellent net worth if compared to its debts, with a low
indebtedness (0,38) and with an upward trend compared to the previous year.
Subject
can manage an equity capital funds for an amount of Eur. 74.034.564 , unchanged
if compared to 2012.
During
the last financial year debts totalled Eur. 44.403.706 (Eur. 67.212 of which
were m/l term debts) , a more or less stable value.
Bank
and suppliers credit recourse is limited, 51,26 gg. is payment average period
below the sector's average.
The
management determines a good range of liquidity.
On
average trade credits are collected in 50,14 days. , a value lower than the
sector's average.
The
financial management generated a cash flow of Eur. 8.796.717.
Labour
cost amounts to Eur. 18.527.769, with a 5,9% incidence on production costs. ,
whereas the incidence on sales revenues is of 5,84%.
The
financial charges do not negatively affect the management, as they are covered
by the incomes.
Financial
Data
|
|
Complete
balance-sheet for the year |
al
31/12/2013 |
(in
Eur |
x
1) |
|
Item
Type |
Value |
|
Sales |
317.297.252 |
|
Profit
(Loss) for the period |
4.552.021 |
|
|
Complete
balance-sheet for the year |
al
31/12/2012 |
(in
Eur |
x
1) |
|
Item
Type |
Value |
|
Sales |
293.345.746 |
|
Profit
(Loss) for the period |
14.000.942 |
|
|
Complete
balance-sheet for the year |
al
31/12/2011 |
(in
Eur |
x
1) |
|
Item
Type |
Value |
|
Sales |
266.623.032 |
|
Profit
(Loss) for the period |
5.061.926 |
|
|
Complete
balance-sheet for the year |
al
31/12/2010 |
(in
Eur |
x
1) |
|
Item
Type |
Value |
|
Sales |
252.002.980 |
|
Profit
(Loss) for the period |
5.029.271 |
|
|
Complete
balance-sheet for the year |
al
31/12/2009 |
(in
Eur |
x
1) |
|
Item
Type |
Value |
|
Sales |
235.400.234 |
|
Profit
(Loss) for the period |
14.773.963 |
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 |
0,29 |
0,27 |
0,27 |
0,29 |
|
Elasticity
Ratio |
Units |
0,71 |
0,73 |
0,73 |
0,69 |
|
Availability
of stock |
Units |
0,10 |
0,10 |
0,11 |
0,08 |
|
Total
Liquidity Ratio |
Units |
0,61 |
0,63 |
0,61 |
0,51 |
|
Quick
Ratio |
Units |
0,13 |
0,09 |
0,00 |
0,03 |
|
COMPOSITION
ON SOURCE |
|||||
|
Net
Short-term indebtedness |
Units |
0,38 |
0,51 |
0,73 |
3,44 |
|
Self
Financing Ratio |
Units |
0,60 |
0,58 |
0,51 |
0,17 |
|
Capital
protection Ratio |
Units |
0,87 |
0,75 |
0,85 |
0,59 |
|
Liabilities
consolidation quotient |
Units |
0,10 |
0,09 |
0,29 |
0,24 |
|
Financing |
Units |
0,60 |
0,66 |
0,88 |
4,31 |
|
Permanent
Indebtedness Ratio |
Units |
0,64 |
0,61 |
0,62 |
0,36 |
|
M/L
term Debts Ratio |
Units |
0,03 |
0,03 |
0,11 |
0,13 |
|
Net
Financial Indebtedness Ratio |
Units |
0,00 |
0,00 |
0,23 |
1,38 |
|
CORRELATION |
|||||
|
Fixed
assets ratio |
Units |
2,19 |
2,31 |
2,27 |
1,11 |
|
Current
ratio |
Units |
1,96 |
1,91 |
1,93 |
1,06 |
|
Acid
Test Ratio-Liquidity Ratio |
Units |
1,69 |
1,64 |
1,63 |
0,87 |
|
Structure's
primary quotient |
Units |
2,07 |
2,18 |
1,87 |
0,66 |
|
Treasury's
primary quotient |
Units |
0,37 |
0,23 |
0,01 |
0,05 |
|
Rate
of indebtedness ( Leverage ) |
% |
166,34 |
172,75 |
195,73 |
572,06 |
|
Current
Capital ( net ) |
Value |
42.779.995 |
46.625.085 |
46.863.501 |
46.802 |
|
RETURN |
|||||
|
Return
on Sales |
% |
2,77 |
6,26 |
3,52 |
2,71 |
|
Return
on Equity - Net- ( R.O.E. ) |
% |
6,15 |
18,12 |
7,39 |
2,92 |
|
Return
on Equity - Gross - ( R.O.E. ) |
% |
9,74 |
27,37 |
12,12 |
8,63 |
|
Return
on Investment ( R.O.I. ) |
% |
4,58 |
16,00 |
6,47 |
3,21 |
|
Return/
Sales |
% |
1,78 |
7,28 |
3,25 |
2,59 |
|
Extra
Management revenues/charges incid. |
% |
80,75 |
65,56 |
58,38 |
23,20 |
|
Cash
Flow |
Value |
8.796.717 |
18.362.732 |
9.376.355 |
88.390 |
|
Operating
Profit |
Value |
5.636.975 |
21.356.149 |
8.670.766 |
76.588 |
|
Gross
Operating Margin |
Value |
9.881.671 |
25.717.939 |
12.985.195 |
151.416 |
|
MANAGEMENT |
|||||
|
Credits
to clients average term |
Days |
50,14 |
66,28 |
89,16 |
85,32 |
|
Debts
to suppliers average term |
Days |
51,26 |
47,46 |
59,70 |
102,23 |
|
Average
stock waiting period |
Days |
13,85 |
17,10 |
20,51 |
23,63 |
|
Rate
of capital employed return ( Turnover ) |
Units |
2,58 |
2,20 |
1,99 |
1,33 |
|
Rate
of stock return |
Units |
25,98 |
21,06 |
17,55 |
15,23 |
|
Labour
cost incidence |
% |
5,84 |
5,91 |
6,21 |
9,79 |
|
Net
financial revenues/ charges incidence |
% |
0,18 |
-0,06 |
-0,11 |
-1,29 |
|
Labour
cost on purchasing expenses |
% |
5,90 |
6,30 |
6,30 |
9,56 |
|
Short-term
financing charges |
% |
1,02 |
1,00 |
0,91 |
2,80 |
|
Capital
on hand |
% |
38,81 |
45,51 |
50,27 |
74,64 |
|
Sales
pro employee |
Value |
548.957 |
541.228 |
515.711 |
320.072 |
|
Labour
cost pro employee |
Value |
32.054 |
32.003 |
32.023 |
32.226 |
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 |
:
|
|
Sector
Data
The
values are calculated on a base of 760 significant companies.
The
companies cash their credits on an average of 85 dd.
The
average duration of suppliers debts is about 102 dd.
The
sector's profitability is on an average of 2,71%.
The
labour cost affects the turnover in the measure of 9,79%.
Goods
are held in stock in a range of 24 dd.
The
difference between the sales volume and the resources used to realize it is
about 1,33.
The
employees costs represent the 9,56% of the production costs.
Statistical
Detrimental Data
Statistcally
the trade activity shows periods of crisis.
The
area is statistically considered lowly risky.
In
the region 50.886 protested subjects are found; in the province they count to
1.630.
The
insolvency index for the region is 0,55, , while for the province it is 0,42.
Total
Bankrupt companies in the province: 954.
Total
Bankrupt companies in the region: 39.612.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.62.37 |
|
|
1 |
Rs.91.60 |
|
Euro |
1 |
Rs.66.49 |
INFORMATION DETAILS
|
Analysis Done by
: |
SUB |
|
|
|
|
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.