MIRA INFORM REPORT

 

 

Report No. :

317959

Report Date :

21.04.2015

           

IDENTIFICATION DETAILS

 

Name :

FOXBORO ECKARDT GMBH

 

 

Registered Office :

Pragstr. 82, D 70376 Stuttgart, Post Box: 50 03 47, D 70333 Stuttgart

 

 

Country :

Germany

 

 

Financials (as on) :

31.03.2014

 

 

Year of Establishment  :

1873

 

 

Legal Form :

Private limited company

 

 

Line of Business :

·         Manufacture of instruments and appliances for measuring,  testing and navigation

 

·         Wholesale of other equipment and accessories for  machinery and technical supplies

 

 

No. of Employee :

87

 

 

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)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2014. The new German government introduced a minimum wage of about $11.60 (8.50 euros) per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. The budget was essentially in balance in 2014. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany plans to replace nuclear power with renewable energy, which accounts for 34% of total energy consumption, up from 9% in 2000. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

Source : CIA


Company name

 

 FOXBORO ECKARDT GMBH

 

 Company Status:      active

                      Pragstr. 82

                      D 70376 Stuttgart

                      Post Box:

                      50 03 47, D 70333 Stuttgart

                      Telephone:0711/502-0

                      Telefax:  0711/502-597

                      Homepage: www.foxboro-eckardt.de

                      E-mail:   salessupport@foxboro-eckardt.de

 

 VAT no.:             DE147843670

 Tax ID number:       99063/08065

 

 

 CONCLUSION

 

Business relations are permissible.

 

 

 LEGAL FORM           Private limited company

 Date of foundation:  1873

 Registered on:       13.05.1996

 Commercial Register: Local court 70190 Stuttgart

 under:               HRB 17802

 

 

 Share capital

 

EUR         17,900,000.00

 

 

Shareholder

 

                      Schneider Electric Holding Germany GmbH

                      Torgauer Str. 12-15/EUREF

                      Campus 12-13

                      D 10829 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR          7,976,500.00

                      Share:             EUR         17,900,000.00

                      Registered on: 19.01.2015

                      Reg. data: 14057 Berlin, HRB 164177 B

 

 

 Manager

 

                      Dirk Bussing

                      D 46483 Wesel

                      having sole power of representation

                      born: 08.05.1968

 Manager:

                      Rada Ioana Rodriguez Silva

                      S  Nyköping

                      having sole power of representation

                      born: 13.04.1959

                      Nationality: Swedish

 

Manager:

                      Barthold Frederik Harmen Veenendaal

                      F  Paris

                      having sole power of representation

                      born: 03.10.1958

                      Nationality: French

 

 

Proxy

 

                      Hans-Otto Lang

                      Im Köpfen 15

                      D 73732 Esslingen

                      authorized to jointly represent the company

                      born: 03.05.1949

 

 Further functions/participations of Dirk Bussing (Manager)

 Manager:

                      Invensys Systems GmbH

                      Hermann-Klammt-Str. 1-3

                      D 41460 Neuss

                      Legal form: Private limited company

                      Share capital:     EUR             54,054.00

                      Registered

                      on:         24.08.2010

                      Reg. data:  41460 Neuss, HRB 15760

 Manager:

                      M&C Energy GmbH

                      Martinstr. 42-44

                      D 73728 Esslingen

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.59

                      Registered

                      on:         17.06.2004

                      Reg. data:  70190 Stuttgart, HRB 214587

 Manager:

                      ETT Rationalisierungsgesellschaft für

                      Energie und Umwelt, Tarif und Technik mbH

                      Martinstr. 42-44

                      D 73728 Esslingen

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.59

                      Registered

                      on:         27.01.2015

                      Reg. data:  70190 Stuttgart, HRB 751571

 Manager:

                      EBERLE Controls Gesellschaft mit

                      beschränkter Haftung

                      Klingenhofstr. 71

                      D 90411 Nürnberg

                      Legal form: Private limited company

                      Share capital:     EUR          2,601,000.00

                      Registered

                      on:         20.12.1993

                      Reg. data:  90402 Nürnberg, HRB 12167

 Manager:

                      M&C Energy Group Holdings GmbH

                      Martinstr. 42-44

                      D 73728 Esslingen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         27.05.2010

                      Reg. data:  70190 Stuttgart, HRB 733870

 Proxy:

                      Merten Holding GmbH

                      Fritz-Kotz-Str. 8

                      D 51674 Wiehl

                      Legal form: Private limited company

                      Share capital:     EUR            100,000.00

                      Registered

                      on:         13.12.2006

                      Reg. data:  50939 Köln, HRB 59269

 Proxy:

                      Merten GmbH

                      Fritz-Kotz-Str. 8

                      D 51674 Wiehl

                      Post Box:

                      100653, D 51606 Gummersbach

                      Legal form: Private limited company

                      Share capital:     EUR          2,050,100.00

                      Registered

                      on:         04.09.2008

                      Reg. data:  50939 Köln, HRB 63919

 Proxy:

                      ELSO GmbH

                      Frankenhäuser Str. 64

                      D 99706 Sondershausen

                      Post Box:

                      32, D 99701 Sondershausen

                      Legal form: Private limited company

                      Share capital:     EUR          1,533,875.64

                      Registered

                      on:         11.10.1993

                      Reg. data:  07745 Jena, HRB 403056

 Proxy:

                      Schneider Electric Holding Germany GmbH

                      Torgauer Str. 12-15/EUREF

                      Campus 12-13

                      D 10829 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR          7,976,500.00

                      Registered

                      on:         19.01.2015

                      Reg. data:  14057 Berlin, HRB 164177 B

 Proxy:

                      Schneider Electric GmbH

                      Gothaer Str. 29

                      D 40880 Ratingen

                      Legal form: Private limited company

                      Share capital:     EUR          6,800,000.00

                      Registered

                      on:         15.04.2003

                      Reg. data:  40227 Düsseldorf, HRB 47852

 Proxy:

                      Schneider Electric Real Estate GmbH

                      Gothaer Str. 29

                      D 40880 Ratingen

                      Legal form: Private limited company

                      Share capital:     EUR            100,000.00

                      Registered

                      on:         03.02.2011

                      Reg. data:  40227 Düsseldorf, HRB 64995

 Proxy:

                      Berger Lahr Positec GmbH

                      Gothaer Str. 29

                      D 40880 Ratingen

                      Legal form: Private limited company

                      Share capital:     EUR            100,000.00

                      Registered

                      on:         01.12.2008

                      Reg. data:  40227 Düsseldorf, HRB 59945

 

 Further functions/participations of Rada Ioana Rodriguez Silva

 (Manager)

 Manager:

                      Merten Holding GmbH

                      Fritz-Kotz-Str. 8

                      D 51674 Wiehl

                      Legal form: Private limited company

                      Share capital:     EUR            100,000.00

                      Registered

                      on:         13.12.2006

                      Reg. data:  50939 Köln, HRB 59269

 Manager:

                      Merten GmbH

                      Fritz-Kotz-Str. 8

                      D 51674 Wiehl

                      Post Box:

                      100653, D 51606 Gummersbach

                      Legal form: Private limited company

                      Share capital:     EUR          2,050,100.00

                      Registered

                      on:         04.09.2008

                      Reg. data:  50939 Köln, HRB 63919

 Manager:

                      Berger Lahr Positec GmbH

                      Gothaer Str. 29

                      D 40880 Ratingen

                      Legal form: Private limited company

                      Share capital:     EUR            100,000.00

                      Registered

                      on:         01.12.2008

                      Reg. data:  40227 Düsseldorf, HRB 59945

 Manager:

                      ELSO GmbH

                      Frankenhäuser Str. 64

                      D 99706 Sondershausen

                      Post Box:

                      32, D 99701 Sondershausen

                      Legal form: Private limited company

                      Share capital:     EUR          1,533,875.64

                      Registered

                      on:         11.10.1993

                      Reg. data:  07745 Jena, HRB 403056

 Manager:

                      EBERLE Controls Gesellschaft mit

                      beschränkter Haftung

                      Klingenhofstr. 71

                      D 90411 Nürnberg

                      Legal form: Private limited company

                      Share capital:     EUR          2,601,000.00

                      Registered

                      on:         20.12.1993

                      Reg. data:  90402 Nürnberg, HRB 12167

 Manager:

                      Schneider Electric Holding Germany GmbH

                      Torgauer Str. 12-15/EUREF

                      Campus 12-13

                      D 10829 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR          7,976,500.00

                      Registered

                      on:         19.01.2015

                      Reg. data:  14057 Berlin, HRB 164177 B

 Manager:

                      Schneider Electric GmbH

                      Gothaer Str. 29

                      D 40880 Ratingen

                      Legal form: Private limited company

                      Share capital:     EUR          6,800,000.00

                      Registered

                      on:         15.04.2003

                      Reg. data:  40227 Düsseldorf, HRB 47852

 Manager:

                      Schneider Electric Real Estate GmbH

                      Gothaer Str. 29

                      D 40880 Ratingen

                      Legal form: Private limited company

                      Share capital:     EUR            100,000.00

                      Registered

                      on:         03.02.2011

                      Reg. data:  40227 Düsseldorf, HRB 64995

 Manager:

                      Invensys Systems GmbH

                      Hermann-Klammt-Str. 1-3

                      D 41460 Neuss

                      Legal form: Private limited company

                      Share capital:     EUR             54,054.00

                      Registered

                      on:         24.08.2010

                      Reg. data:  41460 Neuss, HRB 15760

 

 

 COMPANY HISTORY

 

 03.10.1923 - 12.05.1996  ECKARDT Aktiengesellschaft

                          Pragstr. 82

                          D 70376 Stuttgart

                          Public limited company

 13.05.1996 - 04.09.1996  Eckhardt GmbH

                          Pragstr. 82

                          D 70376 Stuttgart

                          Private limited company

 

 

 RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 20.06.2012 - 10.11.2014  Manager

                          Dr. Roger Ingemey

                          D 47475 Kamp-Lintfort

 31.03.1999 - 08.04.2014  Manager

                          Karl-Heinz-Ludwig Neher

                          D 65549 Limburg

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 26512   Manufacture of instruments and appliances for measuring,

 testing and navigation

46693   Wholesale of other equipment and accessories for

 machinery and technical supplies

 

 

 BRANCHES AND FACTORIES

 

 Branch:

                      Foxboro Eckardt GmbH

                      Winterhuder Weg 31

                      D 22085 Hamburg

                      TEL.: 040/2272560

 Branch:

                      Foxboro Eckardt GmbH

                      Feldbergstr. 17 a

                      D 61440 Oberursel

                      TEL.: 06171-3033

 Branch:

                      Foxboro Eckardt GmbH

                      Vohwinkeler Str. 58

                      D 42329 Wuppertal

 Branch:

                      Foxboro Eckardt GmbH

                      Waldring 43

                      D 44789 Bochum

                      TEL.: 0234/307020

 Branch:

                      Foxboro Eckardt GmbH

                      Heerdter Lohweg 53-55

                      D 40549 Düsseldorf

                      TEL.: 0211/5966-0

                      FAX.: 0211/5966-167

 Branch:

                      Foxboro Eckardt GmbH

                      Alteburger Wall 201

                      D 50678 Köln

 

 

 PARTICIPATIONS

 

 Shareholder:

                      PAE Process Automation Engineering GmbH

                      Winterhuder Weg 29

                      D 22085 Hamburg

                      Legal form: Private limited company

                      Company Status: active

                      Share:             EUR             51,129.19

 Shareholder:

                      Eckardt Process Instrumentation GmbH

                      Diedesfelder Weg 77

                      D 67067 Ludwigshafen

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,564.59

                      Share:             EUR             25,564.59

                      Reg. data:  23.12.1982

                                  Local court 70190 Stuttgart

                                  HRB 10303

 

 

Payment experience:  within periods customary in this trade

 

 Negative information:We have no negative information at hand.

 

 Balance sheet year:  2013/2014

 

 

 REAL ESTATE

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Pragstr. 82

                      D 70376 Stuttgart

 

 Land register documents were not available.

 

 

 BANKERS

 

 DEUTSCHE BANK, 70049 STUTTGART

 Sort. code: 60070070, Account no.: 162384200

 BIC: DEUTDESSXXX, IBAN: DE12600700700162384200

 

 

 FINANCIAL FIGURES

 

 Gross profit or loss:2012/2013          EUR          8,568,028.00

                      2013/2014          EUR          8,799,812.00

 Profit:              2012/2013          EUR         -2,672,000.00

                      2013/2014          EUR         -2,162,444.00

 further business figures:

 Equipment:                              EUR            328,790.00

 Ac/ts receivable:                       EUR         36,287,663.00

 Liabilities:                            EUR          2,395,659.00

 Employees:                                                     87

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.04.2013 - 31.03.2014

 Equity ratio [%]:               -111.02

 Liquidity ratio:                   2.59

 Return on total capital [%]:     -19.71

 

 Balance sheet ratios 01.04.2012 - 31.03.2013

 Equity ratio [%]:               -133.08

 Liquidity ratio:                   3.01

 Return on total capital [%]:     -11.07

 

 Balance sheet ratios 01.04.2011 - 31.03.2012

 Equity ratio [%]:               -116.00

 Liquidity ratio:                   3.00

 Return on total capital [%]:      -7.13

 

 Balance sheet ratios 01.04.2010 - 31.03.2011

 Equity ratio [%]:               -102.25

 Liquidity ratio:                   3.46

 Return on total capital [%]:      -5.24

 

 

 Equity ratio

 

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 

 Liquidity ratio

 

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 

 Return on total capital

 

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

 

 Type of balance sheet:               Company balance sheet

 

 Financial year:      01.04.2013 - 31.03.2014

 

 ASSETS                                  EUR         41,045,545.28

  Fixed assets                           EUR          2,382,891.99

   Intangible assets                     EUR             27,267.87

    Concessions, licences, rights        EUR             27,267.87

   Tangible assets                       EUR          2,355,624.12

    Land / similar rights                EUR          1,646,576.20

    Plant / machinery                    EUR            380,257.69

    Other tangible assets / fixtures and

    fittings                             EUR            328,790.23

  Current assets                         EUR         38,592,278.95

   Stocks                                EUR          2,303,602.33

    Raw materials, consumables and

    supplies                             EUR          1,027,416.38

    Finished goods / work in progress    EUR          1,266,451.75

    Advance payments made                EUR              9,734.20

   Accounts receivable                   EUR         36,287,663.15

    Trade debtors                        EUR          1,232,932.32

    Amounts due from related companies   EUR         35,044,036.50

    Other debtors and assets             EUR             10,694.33

   Liquid means                          EUR              1,013.47

  Remaining other assets                 EUR             70,374.34

   Accruals (assets)                     EUR             70,374.34

 

 LIABILITIES                             EUR         41,045,545.28

  Shareholders' equity                   EUR         17,900,000.00

   Capital                               EUR         17,900,000.00

    Subscribed capital (share capital)   EUR         17,900,000.00

  Provisions                             EUR         20,749,886.23

   Pension provisions and comparable

   provisions                            EUR         19,866,917.52

   Other / unspecified provisions        EUR            882,968.71

  Liabilities                            EUR          2,395,659.05

   Other liabilities                     EUR          2,395,659.05

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR            922,923.43

    Liabilities from received advance

    payments                             EUR             70,101.55

    Liabililties due to related companiesEUR            352,468.51

    Unspecified other liabilities        EUR          1,050,165.56

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Gross result (+/-)                     EUR          8,799,811.85

  Staff expenses                         EUR          7,324,964.71

   Wages and salaries                    EUR          5,982,526.60

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          1,342,438.11

  Total depreciation                     EUR            208,298.10

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            208,298.10

  Other operating expenses               EUR          2,353,706.99

  Operating result from continuing

  operations                             EUR         -1,087,157.95

  Interest result (+/-)                  EUR         -1,013,468.44

   Interest and similar income           EUR             60,477.32

    thereof from related companies       EUR             33,329.99

   Interest and similar expenses         EUR          1,073,945.76

  Financial result (+/-)                 EUR         -1,013,468.44

  Result from ordinary operations (+/-)  EUR         -2,100,626.39

  Income from assumption of loss by

  parent company                         EUR          2,162,443.83

  Other taxes / refund of taxes          EUR            -61,817.44

  Tax (+/-)                              EUR            -61,817.44

  Annual surplus / annual deficit        EUR                  0.00

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.04.2012 - 31.03.2013

 

 ASSETS                                  EUR         40,672,063.14

  Fixed assets                           EUR          2,338,121.60

   Intangible assets                     EUR             35,041.67

    Concessions, licences, rights        EUR             35,041.67

   Tangible assets                       EUR          2,303,078.93

    Land / similar rights                EUR          1,748,746.39

    Plant / machinery                    EUR            316,044.40

    Other tangible assets / fixtures and

    fittings                             EUR            238,288.14

   Financial assets                      EUR                  1.00

    Shares in participations /

    subsidiaries and the like            EUR                  1.00

     Shares in investee companies        EUR                  1.00

  Current assets                         EUR         38,269,092.39

   Stocks                                EUR          2,119,330.90

    Raw materials, consumables and

    supplies                             EUR            908,576.93

    Finished goods / work in progress    EUR          1,199,174.97

    Advance payments made                EUR             11,579.00

   Accounts receivable                   EUR         36,149,259.34

    Trade debtors                        EUR          1,278,362.58

    Amounts due from related companies   EUR         34,755,602.53

    Other debtors and assets             EUR            115,294.23

   Liquid means                          EUR                502.15

  Remaining other assets                 EUR             64,849.15

   Accruals (assets)                     EUR             64,849.15

 

 LIABILITIES                             EUR         40,672,063.14

  Shareholders' equity                   EUR         17,900,000.00

   Capital                               EUR         17,900,000.00

    Subscribed capital (share capital)   EUR         17,900,000.00

  Provisions                             EUR         21,026,619.75

   Pension provisions and comparable

   provisions                            EUR         20,199,569.00

   Other / unspecified provisions        EUR            827,050.75

  Liabilities                            EUR          1,745,443.39

   Other liabilities                     EUR          1,745,443.39

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR            235,927.33

    Liabilities from received advance

    payments                             EUR            201,626.88

    Liabililties due to related companiesEUR            347,875.06

    Unspecified other liabilities        EUR            960,014.12

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Gross result (+/-)                     EUR          8,568,027.63

  Staff expenses                         EUR          6,101,978.83

   Wages and salaries                    EUR          5,168,755.82

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR            933,223.01

  Total depreciation                     EUR            179,037.49

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            179,037.49

  Other operating expenses               EUR          2,217,115.79

  Operating result from continuing

  operations                             EUR             69,895.52

  Interest result (+/-)                  EUR         -1,057,600.38

   Interest and similar income           EUR             61,407.62

    thereof from related companies       EUR             39,844.99

   Interest and similar expenses         EUR          1,119,008.00

    thereof paid to related companies    EUR                  0.00

  Other financial result                 EUR            -24,285.36

   Depreciation on financial assets and

   marketable securities                 EUR             24,285.36

  Financial result (+/-)                 EUR         -1,081,885.74

  Result from ordinary operations (+/-)  EUR         -1,011,990.22

  Extraordinary expenses                 EUR          1,590,453.00

  Extraordinary result (+/-)             EUR         -1,590,453.00

  Income from assumption of loss by

  parent company                         EUR          2,671,580.84

  Other taxes / refund of taxes          EUR            -69,137.62

  Tax (+/-)                              EUR            -69,137.62

  Annual surplus / annual deficit        EUR                  0.00

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.56

UK Pound

1

Rs.93.56

Euro

1

Rs.67.49

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

ASH

 

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

 

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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.