MIRA INFORM REPORT

 

 

Report No. :

318152

Report Date :

20.04.2015

 

IDENTIFICATION DETAILS

 

Name :

CHEMITEX SA

 

 

Registered Office :

Avenue Louise 221-Bus 4 1050 Bruxelles

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

04.12.1970

 

 

Com. Reg. No.:

407685456

 

 

Legal Form :

Public Limited Liability Company (BE)

 

 

Line of Business :

Wholesale of household textiles and bedding

 

 

No. of Employees :

27

 

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

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)

Belgium

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

BELGIUM - ECONOMIC OVERVIEW

 

This modern, open, and private-enterprise-based economy has capitalized on its central geographic location, highly developed transport network, and diversified industrial and commercial base. Industry is concentrated mainly in the more heavily-populated region of Flanders in the north. With few natural resources, Belgium imports substantial quantities of raw materials and exports a large volume of manufactures, making its economy vulnerable to shifts in foreign demand, particularly in Belgium’s EU trade partners. Roughly three-quarters of Belgium's trade is with other EU countries. In 2014 Belgian GDP grew by 0.9%, the unemployment rate stabilized at 8.5%, and the government maintained the budget deficit below the euro-zone threshold of 3% of GDP for a second year in a row. Prime Minister Charles MICHEL’s center-right government has pledged to further reduce the deficit in response to EU pressure to reduce Belgium’s high public debt, which remains above 100% of GDP, but such efforts could also dampen economic growth. In addition to restrained public spending, low wage growth and high unemployment promise to curtail a more robust recovery in private consumption. The government has pledged to pursue an reform program to improve Belgium’s competitiveness, including changes to tax policy, labor market rules, and welfare benefits. These changes risk worsening tensions with trade unions and triggering extended strikes.

 

Source : CIA

Company summary

 

Business number                                               407685456

Branche Unit Number                                         2005523597

Company name                                                 CHEMITEX SA

Address                                                            AVENUE LOUISE 221-BUS 4

1050 BRUXELLES

Number of staff                                                27

Date of establishment                                       04/12/1970

Telephone number                                             026492118

Fax number                                                       026409818

 

 

ULTIMATE HOLDING COMPANY

 

Company name

Company Number

K Finance Coordination & Services SA

448586002

 

 

COMMENTARY

 

The business was established over 44 years ago.

The business has 27 employees.

The business is part of a group.

The business has been at the address for over 19 years.

The business saw an increase in their Cash Balance of 27% during the latest trading period.

 

 

Accounts

 

DATE OF LATEST ACCOUNTS

TURNOVER

PROFIT BEFORE TAX

NET WORTH

WORKING CAPITAL

31/12/2013

188,456,935

13,927,518

139,681,211

139,845,057

31/12/2012

173,661,802

13,701,375

138,150,077

138,254,088

31/12/2011

184,474,523

16,430,302

127,821,208

127,880,306

 

Accounts

 

DATE OF LATEST ACCOUNTS

BALANCE TOTAL

NUMBER OF EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

206,676,043

27

1,250,000

10,689,113

31/12/2012

216,548,801

28

1,250,000

10,485,424

31/12/2011

204,534,051

27

1,250,000

12,266,006

 

 


Payment expectations

 

Past Payments                                                  Payment expectation days                     49.77

Industry average payment          84.32                expectation days

Day sales outstanding               91.37                Industry average day sales                    91.50

                                                                        outstanding

 

Court data summary

 

BANKRUPTCY DETAILS

Court action type                                               no

PROTESTED BILLS

Bill amount -

NSSO DETAILS

Date of summons                                             -

 

 

Company information

 

Business number

407685456

Company name

CHEMITEX SA

Fax number

026409818

Date founded

04/12/1970

Company status

active

Company type

Public Limited Liability

Company (BE)

Currency

Euro (€)

Date of latest accounts

31/12/2013

Activity code

46412

Liable for VAT

yes

Activity description

Wholesale of household textiles and bedding

VAT Number

BE.0407.685.456 Check VAT

number

Belgian Bullettin of Acts

Publications

moniteur belge

 

 

 

Contractor details

 

Registered contractor number                            -

Contractor description                                       -

Date struck off register                                      -

 

Personnel (NSSO classification)

 

Code                                                               

Description                                                       -

 

Joint Industrial Committee (JIC)

JIC Code                                                          100

Description                                                       Additional joint committee for labourers

Category

 

JIC Code                                                          226

Description                                                       JC employees international trade, transport & related activities

Category

 

Significant Events

 

Event Date                                                        23/12/2014

Event Description

Event Details                                                     Sous condition de l'exercice des warrants à créer selon la résolution prise ci-dessus, l'assemblée décide de l'émission de 1450 actions ordinaires.



Company accounts

 

Assets

Annual accounts

31-12-2013

%

31-12-2012

%

31-12-2011

%

31-12-2010

%

31-12-2009

Weeks

52

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

 

 

 

 

 

 

 

 

 

 

Total fixed assets

1,061,148

-5.34

1,120,982

-3.85

1,165,896

-0.78

1,175,049

-8.85

1,289,112

Intangible fixed assets

0

-

0

-

0

-

0

-

0

 

 

 

 

 

 

 

 

 

 

Tangible fixed assets

996,396

 

18.72

839,271

3.27

867,602

-9.92

963,184

-11.10

1,083,428

Land & building

454,050

-4.10

473,447

-2.73

486,710

8.78

447,444

-3.46

463,491

Plant & machinery

209,891

46.23

143,532

-20.98

181,636

-34.78

278,517

-23.60

364,571

Furniture & Vehicles

-

-

-

-

-

-

-

-

-

Leasing & Other Similar Rights

0

-

0

-

0

-

0

-

-1

Financial fixed assets

64,752

-77.01

281,712

-5.56

298,294

40.79

211,864

3.00

205,684

Total current assets

205,614,895

-4.56

215,427,819

5.93

203,368,155

-3.03

209,722,285

27.91

163,960,396

Inventories

44,937,034

-6.62

48,121,180

32.92

36,202,683

-14.86

42,522,815

43.25

29,684,442

Raw materials & consumables

-

-

-

-

-

-

-

-

-

Work in progress

0

-

0

-

0

-

0

-

0

Finished goods

44,937,034

-6.62

48,121,180

32.92

36,202,683

-14.86

42,522,815

43.25

29,684,442

Other stocks

0

-

0

-

0

-

0

-

0

 

 

 

 

 

 

 

 

 

 

Trade debtors

47,178,438

2.20

46,164,307

14.98

40,148,666

-26.13

54,352,474

80.11

30,177,237

Other amounts receivable

37,810,569

5.68

35,778,733

40.14

25,530,465

403

5,066,982

-18.46

6,214,177

Cash

7,738,538

27.16

6,085,599

155

2,378,278

-85.42

16,316,189

18.31

13,791,333

Miscellaneous current

assets

67,250,316

-13.98

78,178,000

-20.23

98,008,063

8.46

90,363,825

7.46

84,093,207

 

 

 

 

 

 

 

 

 

 

Total Assets

206,676,043

-4.56

216,548,801

5.87

204,534,051

-3.02

210,897,334

27.62

165,249,508

 

Liabilities

Total shareholders equity

139,681,211

1.11

1.11 138,150,077

8.08

127,821,208

7.62

118,768,733

12.20

105,854,797

 

 

 

 

 

 

 

 

 

 

Issued share capital

1,250,000

0

1,250,000

0

1,250,000

0

1,250,000

0

1,250,000

 

 

 

 

 

 

 

 

 

 

Share premium account

-

-

-

-

-

-

-

-

-

 

 

 

 

 

 

 

 

 

 

Revaluation reserve

-

-

-

-

-

-

-

-

-

 

 

 

 

 

 

 

 

 

 

Reserves

138,431,211 

1.12    

136,900,077 

8.16    

126,571,208

7.70

117,518,733

12.35

104,604,797

 

 

 

 

 

 

 

 

 

 

Provisions for Liabilities &

Charges

1,224,994

0

1,224,994

0

1,224,994

0

1,224,994

-25.24

1,638,625

 

 

 

 

 

 

 

 

 

 

Deffered taxes

-

-

-

-

-

-

-

-

-

 

 

 

 

 

 

 

 

 

 

Creditors

65,769,838

-14.78

77,173,731

2.23

75,487,850

-16.96

90,903,608

57.39

57,756,085

Other long term loans

-

-

-

-

-

-

-

-

-

Long term group loans

-

-

-

-

-

-

-

-

-

Other long term liabilities

0

-

0

-

0

-

0

-100

1

Total long term debts

1,224,994

0

1,224,994

0

1,224,994

0

1,224,994

-25.24

1,638,626

 

 

 

 

 

 

 

 

 

 

Current portion of long term    debt

-

-

-

-

-

-

-

-

-

 

 

 

 

 

 

 

 

 

 

Financial debts

39,613,800

-3.81

41,183,444

-15.86

48,943,876

-24.25

64,609,440

82.32

35,436,927

Trade creditors

23,912,176

-29.26

33,804,998

55.14

21,789,784

-9.70

24,130,705

18.41

20,379,670

Amounts Payable for Taxes, Remuneration & Social Security

1,860,102

2.62

1,812,689

16.10

1,561,261

-15.67

1,851,279

7.40

1,723,773

 

 

 

 

 

 

 

 

 

 

Miscellaneous current

383,760

2.99

372,600

-88.33

3,192,930

922

312,184

44.72

215,715

liabilities

 

 

 

 

 

 

 

 

 

Total current liabilities

65,769,838

-14.78

77,173,731

2.23

75,487,850

-16.96

90,903,608

57.39

57,756,085

 

 

 

 

 

 

 

 

 

 

Total Liabilities

206,676,043

-4.56

216,548,801

5.87

204,534,051

-3.02

210,897,334

27.62

165,249,508

 

 

 

 

 

 

 

 

 

 

ratio analysis

 

 

 

 

 

 

 

 

 

TRADING PERFORMANCE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Profit Before Tax

7.39

-6.34

7.89

-11.45

8.91

-3.26

9.21

-1.92

9.39

Return on capital employed

9.88

0.51

9.83

-22.78

12.73

-11.17

14.33

42.30

10.07

 

 

 

 

 

 

 

 

 

 

Return on total assets employed

6.74

6.48

6.33

-21.17

8.03

-1.47

8.15

24.43

6.55

 

 

 

 

 

 

 

 

 

 

Return on net assets

9.97

0.50

9.92

-22.80

12.85

-11.26

14.48

41.68

10.22

 

 

 

 

 

 

 

 

 

 

Sales / net working capital

1.35

7.14

1.26

-12.50

1.44

-8.28

1.57

44.04

1.09

 

 

 

 

 

 

 

 

 

 

Stock turnover ratio

23.84

-13.97

27.71

41.23

19.62

-13.83

22.77

-11.57

25.75

Creditor days

49.77

-35.59

77.27

64.86

46.87

-10.28

52.24

-23.46

68.25

Debtor days

91.37

-5.83

97.03

22.14

79.44

-25.21

106.22

11.17

95.55

SHORT TERM STABILITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liquidity ratio reprocessed    

-

-

-

-

-

-

-

-

-

 

 

 

 

 

 

 

 

 

 

Cashflow

10,689,113

1.94

10,485,424

-14.52

12,266,006

-6.76

13,155,267

52.43

8,630,307

 

 

 

 

 

 

 

 

 

 

Net worth

139,681,211

1.11

138,150,077

8.08

127,821,208

7.62

118,768,733

12.20

105,854,797

LONG TERM STABILITY

 

 

 

 

 

 

 

 

 

Gearing

28.36

-4.86

29.81

-22.15

38.29

-29.61

54.40

62.49

33.48

 

 

 

 

 

 

 

 

 

 

Equity in percentage

67.58

5.92

63.80

2.10

62.49

10.96

56.32

-12.08

64.06

 

 

 

 

 

 

 

 

 

 

Total debt ratio

0.48

-15.79

0.57

-5.00

0.60

-23.08

0.78

39.29

0.56

 

 

 

 

 

 

 

 

 

 

Working capital

139,845,057

1.15

138,254,088

8.11

127,880,306

7.63

118,818,678

11.88

106,204,311

 

 

 

 

 

 

 

 

 

 

Profit & loss

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Operating Income

188,738,962

8.57

173,834,473

-5.90

184,725,700

-1.18

186,924,107

61.83

115,508,993

Turnover

188,456,935

8.52

173,661,802

-5.86

184,474,523

-1.23

186,763,148

62.01

115,281,308

Total operating expenses

175,354,976

9.81

159,685,451

-5.90

169,702,871

0.65

168,603,494

54.69

108,993,712

Gross Operating Margin

-

-

-

-

-

-

-

-

-

Operating Charges

175,637,003

9.87

159,858,122

-5.94

169,954,048

0.70

168,764,453

54.52

109,221,397

Employee costs

2,617,715

-0.16

2,621,864

-3.08

2,705,281

-0.09

2,707,801

3.66

2,612,314

Wages and salary

1,983,017

0.31

1,976,834

-3.54

2,049,390

0.60

2,037,143

0.70

2,022,914

Employee pension costs

-

-

-

-

-

-

-

-

-

Social security

474,386

-0.08

474,749

-6.07

505,431

-1.18

511,480

-0.65

514,848

contributions

 

 

 

 

 

 

 

 

 

Other employee costs

160,312

-5.85

170,281

13.17

150,460

-5.48

159,178

113

74,552

Director remuneration

420,000

1.94

412,000

-33.68

621,250

1.35

613,000

0

613,000

Amortization and

157,978

0.91

156,555

-26.68

213,531

-11.52

241,331

-12.07

274,474

depreciation

 

 

 

 

 

 

 

 

 

Operating result

13,101,958

-6.26

13,976,351

-5.38

14,771,652

-18.66

18,159,654

188

6,287,596

Total financial income

7,927,011

28.85

6,151,999

-42.49

10,697,289

185

3,743,815

-46.36

6,979,378

 

 

 

 

 

 

 

 

 

 

Total financial expenses

7,101,452

10.49

6,426,975

-28.89

9,038,639

91.84

4,711,545

92.57

2,446,722

 

 

 

 

 

 

 

 

 

 

Results on ordinary operations before taxation

13,927,518

1.65

13,701,375

-16.61

16,430,302

-4.43

17,191,925

58.89

10,820,252

 

 

 

 

 

 

 

 

 

 

Extraordinary Income

16,341

-92.12

207,421

1865

10,555

-64.59

29,813

-

-

 

 

 

 

 

 

 

 

 

 

Extraordinary Charges

978

-

-

-

805

-46.30

1,499

867

155

 

 

 

 

 

 

 

 

 

 

Extraordinary items

15,362

-92.59

207,421

2027

9,750

-65.56

28,314

18266

-155

 

 

 

 

 

 

 

 

 

 

Results for the Year Before Taxation

13,942,881

0.25

13,908,796

-15.40

16,440,052

-4.53

17,220,239

59.15

10,820,097

 

 

 

 

 

 

 

 

 

 

Other appropriations

-

-

-

-

-

-

-

-

-

 

 

 

 

 

 

 

 

 

 

Taxation

3,411,746

-4.70

3,579,927

-18.41

4,387,577

1.89

4,306,303

74.75

2,464,265

 

 

 

 

 

 

 

 

 

 

Results on ordinary

operations after taxation

10,515,772

3.90

10,121,448

-15.95

12,042,725

-6.54

12,885,622

 

8,355,987

 

 

 

 

 

 

 

 

 

 

Net result

10,531,135

1.96

10,328,869

-14.30

12,052,475

-6.67

12,913,936

54.55

8,355,833

 

 

 

 

 

 

 

 

 

 

Profit (Loss) for the Year to

be appropiated

10,531,135

1.96

10,328,869

-14.30

12,052,475

-6.67

12,913,936

54.55

8,355,833

 

 

 

 

 

 

 

 

 

 

Dividends

9,000,000

-

-

-

3,000,000

-

-

-

-

 

 

Social Balance Sheet Details

 

Social Balance Sheet

Total

During the reporting year ended 31-12-2013

 

Full-time Employees

25

Part-time Employees

5

Total Fte Employees

28

 

 

Number of hours worked

 

Full-time Employees

38,445

Part-time Employees

5,240

Total

43,685

 

 

Personnel Charges

 

Full-time Employees

2,366,013

Part-time Employees

251,702

Total

2,617,715

Benefits In Addition To Wages

38,212

 

 

During the previous reporting year

 

 

 

Average number employees in Fte

28

Actual working hours

45,403

Personnel Charges

2,621,864

Benefits In Addition To Wages

39,640

 

 

Type of Contract

Full-Time

Part-Time

Total Fte

Unlimited Duration Contracts

24

 

4

27

Limited Duration

-

-

-

Contracts For Specific Work 

-

-

-

Contracts Regarding            Substitution

-

-

-

Gender and Education

Level

 

 

 

 

 

 

 

Men

Full-Time

Part-Time

Total Fte

Primary education             

-

-

-

Secondairy

-

-

-

Higher education (non university)

5

-

5

Higher education (university)

3

-

3

 

 

 

 

Women

Full-Time

Part-Time

Total Fte

 

 

 

 

Primary education             

-

-

-

Secondairy education

7

3

9

Higher education (non university)

7

1

8

Higher education (university)

2

-

2

 

 

Working Category

Full-Time

Part-Time

Total Fte

Management                    

-

-

-

White collar worker

24

3

27

Blue collar worker

-

1

1

Other                             

-

-

-

 

 

Temporary personnel

Total

Average number of temporary staff

1

Actual working hours

1,673

Cost of temporary staff

80,733

 

 

 

New staff and leavers

Full-Time

Part-Time

Total Fte

New Starters

14

3

14

Leavers

14

4

15

 

Total of formal continuing vocational training initiatives for workers paid by the employer

Male

Female

Number of employees

5

7

Number of training hours

53

42

Net costs for enterprise

14,034

6,810

 

 

 

Total of less formal and informal continuing vocational training initiatives for workers paid by the employer

Male

Female

Number of employees

11

16

Number of training hours

36

48

Net costs for enterprise

1,549

1,668

 

 

 

Total of initial training initiatives at the expense of the

employer

Male

Female

Number of employees                                          

-

-

Number of training hours                                           

-

-

Net costs for enterprise                                             

-

-

 

Industry comparison

 

Activity code

46412

Activity description

Wholesale of household textiles and bedding

industry average credit rating

61.57

Industry average credit limit

23939.40

 

 

Payment Information

 

Payment Information Summary

 

Total number of Invoices available

17

Total number of Invoices paid within or up to 30 days after the due date

10

Total number of Invoices paid more than 30 days after the due date

2

Total number of Invoices currently outstanding where the due date has not yet been reached

5

Total number of Invoices currently outstanding beyond the due date

0

 

Suspension of payments / moratorium history

 

Amount

-

Details

-

Payment expectations

 

Payment expectation days

49.77

Day sales outstanding

91.37

Industry comparison

 

Activity code

46412

Activity description

Wholesale of household textiles and bedding

Industry average payment expectation days

84.32

Industry average day sales outstanding

91.50

 

Industry quartile analysis

 

Payment expectations

 

Company result

49.77

Lower

86.31

Median

48.73

Upper

19.11

 

Day sales outstanding

 

Company result

91.37

Lower

99.49

Median

41.84

Upper

16.61

 

 

Shareholder Details

 

Summary

Group - Number of Companies                          5

Linkages - Number of Companies                       0

Number of Countries                                         0

 

 

Group Structure

 

Company name                                                             Number                         Latest financials           

- K FINANCE COORDINATION & SERVICES SA             448586002                    31-12-2013                   

- - ADMIRO SA                                                              412443010                    31-12-2013                   

- - CHEMITEX SA                                                          407685456                    31-12-2013                   

- - - K HOLDING SA                                                       438632812                    31-12-2005                   

- - CHEMITEX UK SOC.ETR. E.P.B.

 

 

Minority Shareholders

No minority shareholders found

 

Minority Interests

No minority interests found

 

 

Linked Companies

 

Summary

Group - Number of Companies                          5

Linkages - Number of Companies                       0

Number of Countries                                         0

 

 

Protested Bills

 

There is no data for this company

 

 

Bankruptcy and other legal events

 

There is no data for this company

 

 

Director details

 

Current director details

 

Name

EROL KANDIYOTI

Position

Managing Director

Start Date

20/08/2008

Date of birth

28/02/1948

Street

17 AVENUE DES CHRYSANTHEMES RHODE-SAINT-GENESE

Post code

1640

Country

Belgium

 

 

Position

Director

Start Date

12/10/2007

Date of birth

28/02/1948

Street

17 AVENUE DES CHRYSANTHEMES RHODE-SAINT-GENESE

Post code

1640

Country

Belgium

 

 

Name

ADNAN KANDIYOTI

Position

Managing Director

Start Date

25/08/2008

Date of birth

15/02/1940

Street

52 AVENUE DU GUI BRUXELLES

Post code

1180

Country

Belgium

 

 

Position

Director

Start Date

25/08/2008

Date of birth

15/02/1940

Street

52 AVENUE DU GUI BRUXELLES

Post code

1180

Country

Belgium

 

 

Name

METIN KANDIYOTI

Position

Managing Director

Start Date

12/10/2007

Date of birth

29/01/1944

Street

59 AVENUE KLEBER

Post code

75016

Country

France

 

Former director details

 

Name                            K FINANCE COORDINATION & SERVICE SA

Position                                    Director

Start Date                     29/05/2009

End Date                      23/05/2013

Date of birth                 04/11/1992

Street                           221 AVENUE LOUISE BRUXELLES

Post code                     1050

Country                         Belgium

 

Name                            RALFI RIFAT KANDIYOTI

Position                                    Director

Start Date                     30/11/2007

End Date                      23/05/2013

Date of birth                 05/10/1972

Street                           5 RUE JOSEPH STALLAERT BRUXELLES

Post code                     1050

Country                         Belgium

 

Name                            CLAUDE ISAAC KANDIYOTI

Position                                    Director

Start Date                     30/11/2007

End Date                      23/05/2013

Date of birth                 22/08/1972

Street                           21 RUE JEAN-BAPTISTE MEUNIER BRUXELLES

Post code                     1050

Country                         Belgium

 

Name                            IGAL ISAK KANDIYOTI 

Position                        Director

Start Date                     30/11/2007

End Date                      23/05/2013

Date of birth Street        01/08/1970

Post                             30 AVENUE DE LA PETITE ESPINETTE BRUXELLES

code                             1180

Country                         Belgium

 

 

 


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.37

UK Pound

1

Rs.93.10

Euro

1

Rs.67.13

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

VNT

 

               

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.