MIRA INFORM REPORT

 

 

Report No. :

318350

Report Date :

23.04.2015

           

IDENTIFICATION DETAILS

 

Name :

HELIOS INTERNATIONAL PTE. LTD.

 

 

Registered Office :

65, Chulia Street, 38-02/03, Ocbc Centre, 049513

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2014

 

 

Date of Incorporation :

10.06.2008

 

 

Com. Reg. No.:

200811403-M

 

 

Legal Form :

Private Limited

 

 

LINE OF BUSINESS :

SUBJECT IS MANUFACTURE OF PIEZO- ELECTRIC DEVICES

 

 

No. of Employee :

50 [2015]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ca

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Moderate

Payment Behaviour :

Slow

Litigation :

Clear

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. Unemployment is very low. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports. Growth in 2014 was slower at 13.9%, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub. Singapore is a member of the 12-nation Trans-Pacific Partnership free trade agreement negotiations and, with the nine other ASEAN members, will form the ASEAN Economic Community in 2015.

Source : CIA

 

EXECUTIVE SUMMARY

 

REGISTRATION NO.

:

200811403-M

COMPANY NAME

:

HELIOS INTERNATIONAL PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

10/06/2008

COMPANY STATUS

:

CLEAR

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

65, CHULIA STREET, 38-02/03, OCBC CENTRE, 049513, SINGAPORE.

BUSINESS ADDRESS

:

17, TUKANG INNOVATIONDRIVE, 618300, SINGAPORE.

TEL.NO.

:

65-67895017

FAX.NO.

:

65-65555830

CONTACT PERSON

:

TAN TECK NGUAN ( DIRECTOR )

PRINCIPAL ACTIVITY

:

MANUFACTURE OF PIEZO- ELECTRIC DEVICES

ISSUED AND PAID UP CAPITAL

:

2.00 ORDINARY SHARE, OF A VALUE OF SGD 2.00

SALES

:

USD 7,592,956 [2014]

NET WORTH

:

USD (937,188) [2014]

STAFF STRENGTH

:

50 [2015]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

POOR

PAYMENT

:

SLOW

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

MATURE

 

HISTORY / BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

The Subject is principally engaged in the (as a / as an) manufacture of piezo- electric devices.

The immediate holding company of the Subject is SUNGATE ORIENTAL LIMITED, a company incorporated in VIRGIN ISLANDS, BRITISH.

Share Capital History

Date

Issue & Paid Up Capital

22/04/2015

SGD 2.00

 

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

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

SUNGATE ORIENTAL LIMITED

NERINE CHAMBERS, PO BOX 905, ROAD TOWN, TORTOLA, VIRGIN ISLANDS, BRITISH.

T12UF3377

2.00

100.00

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

------

2.00

100.00

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

=====

+ Also Director

 

DIRECTORS



DIRECTOR 1

 

Name Of Subject

:

MICHAEL TAN TECK NGUAN

Address

:

205, ANG MO KIO AVENUE 1, 07-1089, 560205, SINGAPORE.

IC / PP No

:

S1217289C

Nationality

:

SINGAPOREAN

Date of Appointment

:

10/06/2008




MANAGEMENT

 

 

1)

Name of Subject

:

TAN TECK NGUAN

Position

:

DIRECTOR

 

 

AUDITOR

 

Auditor

:

AT ADLER

Auditor' Address

:

N/A

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

JOCELYN YAP CHING CHING

IC / PP No

:

S7048039E

Address

:

626, UPPER THOMSON ROAD, 05-38, MEADOWS @ PEIRCE, 787130, SINGAPORE.

 

 

BANKING


No Banker found in our databank.

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

 

LITIGATION CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation.

No legal action was found in our databank.

No winding up petition was found in our databank.


 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A


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

The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

]

Good 31-60 Days

[

]

Average 61-90 Days

[

X

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

N/A

Overseas

:

N/A


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

OPERATIONS

 

Products manufactured

:

PIEZO-ELECTRIC DEVICES

 

Total Number of Employees:

YEAR

2015

2013

GROUP

N/A

N/A

COMPANY

50

50

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) manufacture of piezo- electric devices.

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


CURRENT INVESTIGATION

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

65 6555 5825

Current Telephone Number

:

65-67895017

Match

:

YES

Address Provided by Client

:

17, TUKANG INNOVATIONDRIVE SINGAPORE 618300

Current Address

:

17, TUKANG INNOVATIONDRIVE, 618300, SINGAPORE.

Match

:

YES

 

Other Investigations


On 20th April 2015 we contacted one of the staff from the registered office and she only provided limited information on the Subject.

She refused to disclose the Subject bankers.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Erratic

[

2011 - 2014

]

Profit/(Loss) Before Tax

:

Increased

[

2011 - 2014

]

Return on Shareholder Funds

:

Unfavourable

[

120.77%

]

Return on Net Assets

:

Unfavourable

[

(25.16%)

]

The fluctuating turnover reflects the fierce competition among the existing and new market players.Higher losses before tax during the year could be due to the higher operating costs incurred. Although the Subject's returns showed positive figures it is not reflective of the true situation. The Subject incurred losses during the year and its shareholders' funds have turned red. The positive returns on shareholders' funds is the result of losses divided by negative shareholders' funds. The Subject's management was inefficient in utilising the assets to generate returns.

Working Capital Control

Stock Ratio

:

Unfavourable

[

177 Days

]

Debtor Ratio

:

Favourable

[

0 Days

]

Creditors Ratio

:

Favourable

[

37 Days

]

The Subject could be incurring higher holding cost. As its capital was tied up in stocks, it could face liquidity problems. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

Liquidity

Liquid Ratio

:

Unfavourable

[

0.61 Times

]

Current Ratio

:

Favourable

[

2.64 Times

]

A low liquid ratio means that the Subject may be facing working capital deficiency. If the Subject cannot obtain additional financing or injection of fresh capital, it may face difficulties in meeting its short term obligations.

Solvency

Interest Cover

:

Unfavourable

[

(127.09 Times)

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject incurred losses in the year. It did not generate sufficient income to service its interest.  If the situation does not improve, the Subject may be vulnerable to default in servicing the interest. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

The Subject's losses increased but its turnover showed a  fluctuating trend. This indicate the Subject was slowly losing its market share due to its competitors. Due to its weak liquidity position, the Subject will be faced with problems in meeting all its short term obligations if no short term loan is obtained or additional capital injected into the Subject. The Subject's interest cover was negative, indicating that it did not generate sufficient income to service its interest. If its result does not show impressive improvements or succeed obtaining short term financing or capital injection, it may not be able to service its interest and repay the loans. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : POOR

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

Services

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

* Based on Index of Industrial Production (2011 = 100)

 


 

INDUSTRY ANALYSIS

 

INDUSTRY :

MANUFACTURING

In the third quarter of 2014, manufacturing output has increased by 1.9%, extending the 1.5% growth in the previous quarter. Growth was largely driven by the biomedical manufacturing and chemicals clusters. Besides, for the whole 2013, the manufacturing sector grew by 1.7%, an uptick from the 0.3% growth recorded in the previous year. All clusters recorded an expansion in 2013, except the biomedical manufacturing cluster.

The chemicals cluster grew by 5.2% in the third quarter of 2014. Growth was led by the petrochemicals and specialty chemicals segments, which expanded by 8.9% and 7.1% respectively. By contrast, the petroleum segment contracted by 4.2% in the third quarter of 2014 due to plant maintenance shutdowns. For the year of 2013, the chemicals cluster grew only by 0.7%.

Besides, output of the biomedical manufacturing cluster expanded by 9.0% in the third quarter of 2014. The medical technology segment posted robust growth of 23% due to higher production of medical instruments and supplies, while the output of the pharmaceuticals segment rose by 6.2%. However, in the whole of 2013, the biomedical manufacturing cluster recorded only a flat growth.

In the third quarter of 2014, the transport engineering cluster contracted by 2.0%, dragged down by the aerospace segment. Output in the aerospace segment plunged by 18% on the back of fewer repair jobs from commercial airlines. This was mitigated by the 4.1% growth in the marine & offshore engineering segment, which was supported by higher contributions from rig building projects. Nonetheless, for the whole of 2013, the transport engineering cluster grew by 5.2%.

Moreover, output of the precision engineering cluster increased by 1.3% in the third quarter of 2014. The machinery & systems segment grew by 6.2%, supported by higher demand for semiconductor-related equipment and mechanical engineering work. This was partly offset by the decline in the output of the precision modules & components segment. Conversely, in the full year of 2013, the precision engineering cluster's output declined by 5.6%.

Furthermore, in the third quarter of 2014, output of the general manufacturing industries declined by 3.0%. The 2.1% growth in the food, beverages & tobacco segment was more than offset by declines in the other two segments. In particular, the miscellaneous industries segment contracted by 4.7% on the back of lower output in construction-related products, such as concrete & cement products and steel structural components. For the full year of 2013, the general manufacturing cluster grew by 2.8%.

Besides, in the third quarter of 2014, the electronics cluster expanded by 0.9%, reversing the 5.0% contraction in the previous quarter. Growth was supported by an expansion in the computer peripherals (6.3%) and data storage (2.6%) segments. Moreover, for the year 2013, the electronics cluster expanded by 3.5%.

OVERALL INDUSTRY OUTLOOK : MATURE



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2008, the Subject is a Private Limited company, focusing on manufacture of piezo- electric devices. Having been in business for more than 5 years, the Subject has established a remarkable clientele base for itself which has contributed to its business growth. The Subject have a strong support from its shareholder. However, the Subject does not have a strong capital position. Without a strong capital, the Subject may face difficulties to expand its business compared to other large corporation.

The Subject is operating on a medium scale and it has approximately 50 employees in its business operations. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.

Due to the challenging market conditions, the Subject's business performance seems to be deteriorating and losses incurred. The Subject has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. Due to its weak liquidity position, the Subject may face working capital deficiency in meeting its short term financial obligations if no fresh capital are injected into the Subject. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. The Subject's unfavourable financial performance over the years has wiped out its shareholders' funds to a deficit of USD -937,188. Therefore, the Subject as a going concern is much dependent on its ability to generate sufficient cash flow and obtain additional financing to meet its future obligations.

Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises.

The Subject's payment habit is average. With its adequate working capital, the Subject should be able to pay its short term debts.

The industry has reached its optimum level and is generally stable. It is saturated and very competitive. Thus, the Subject's growth prospect is very much depends on its capacity in sustaining its performance in the market.

Based on the above condition, we recommend credit be granted to the Subject normally.

 

 

 

PROFIT AND LOSS ACCOUNT

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

HELIOS INTERNATIONAL PTE. LTD.

 

Financial Year End

2014-03-31

2013-03-31

2012-03-31

2011-03-31

Months

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

Currency

USD

USD

USD

USD

TURNOVER

7,592,956

17,316,192

9,923,618

-

Other Income

-

300,126

40,391

-

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

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

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

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

Total Turnover

7,592,956

17,616,318

9,964,009

-

Costs of Goods Sold

(6,877,379)

(16,244,823)

(9,796,443)

(4,372)

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

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

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

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

Gross Profit

715,577

1,371,495

167,566

(4,372)

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

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

(1,164,593)

(45,585)

147,363

(14,156)

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

(1,164,593)

(45,585)

147,363

(14,156)

Taxation

32,782

-

(13,000)

-

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

(1,131,811)

(45,585)

134,363

(14,156)

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

194,622

109,067

(25,296)

(11,140)

Prior year adjustment

-

131,140

-

-

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

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

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

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

As restated

194,622

240,207

(25,296)

(11,140)

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

(937,189)

194,622

109,067

(25,296)

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

(937,189)

194,622

109,067

(25,296)

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

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Bank overdraft

-

-

29

46

Others

9,092

10,121

3,442

140

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

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

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

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

9,092

10,121

3,471

186

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

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

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

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

DEPRECIATION (as per notes to P&L)

323,991

97,372

-

-

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

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

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

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

323,991

97,372

-

-

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

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

 

 

 

BALANCE SHEET

 

HELIOS INTERNATIONAL PTE. LTD.

 

ASSETS EMPLOYED:

FIXED ASSETS

1,618,361

1,029,389

-

-

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

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

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

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

TOTAL LONG TERM ASSETS

1,618,361

1,029,389

-

-

Stocks

3,674,563

4,531,525

5,943,490

201,431

Trade debtors

2,978

78,992

-

-

Other debtors, deposits & prepayments

74,369

147,199

1,013,561

14,742

Amount due from holding company

860,589

-

-

-

Cash & bank balances

178,000

270,245

298,233

7,306

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

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

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

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

TOTAL CURRENT ASSETS

4,790,499

5,027,961

7,255,284

223,479

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

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

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

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

TOTAL ASSET

6,408,860

6,057,350

7,255,284

223,479

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

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

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

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

CURRENT LIABILITIES

Trade creditors

700,393

1,843,168

1,410,573

209,299

Other creditors & accruals

33,538

386,041

175,353

7,764

Amounts owing to holding company

-

-

3,581,477

17,797

Amounts owing to subsidiary companies

-

104,382

-

-

Amounts owing to related companies

1,082,962

1,965,813

1,965,813

13,914

Provision for taxation

-

39,860

13,000

-

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

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

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

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

TOTAL CURRENT LIABILITIES

1,816,893

4,339,264

7,146,216

248,774

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

2,973,606

688,697

109,068

(25,295)

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

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

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

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

TOTAL NET ASSETS

4,591,967

1,718,086

109,068

(25,295)

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

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

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

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

SHARE CAPITAL

Ordinary share capital

1

1

1

1

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

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

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

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

TOTAL SHARE CAPITAL

1

1

1

1

Retained profit/(loss) carried forward

(937,189)

194,622

109,067

(25,296)

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

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

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

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

TOTAL RESERVES

(937,189)

194,622

109,067

(25,296)

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

(937,188)

194,623

109,068

(25,295)

Others

5,529,155

1,523,463

-

-

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

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

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

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

TOTAL LONG TERM LIABILITIES

5,529,155

1,523,463

-

-

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

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

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

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

4,591,967

1,718,086

109,068

(25,295)

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

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

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

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

 

 

FINANCIAL RATIO

 

HELIOS INTERNATIONAL PTE. LTD.

 

TYPES OF FUNDS

Cash

178,000

270,245

298,233

7,306

Net Liquid Funds

178,000

270,245

298,233

7,306

Net Liquid Assets

(700,957)

(3,842,828)

(5,834,422)

(226,726)

Net Current Assets/(Liabilities)

2,973,606

688,697

109,068

(25,295)

Net Tangible Assets

4,591,967

1,718,086

109,068

(25,295)

Net Monetary Assets

(6,230,112)

(5,366,291)

(5,834,422)

(226,726)

PROFIT & LOSS ITEMS

Earnings Before Interest & Tax (EBIT)

(1,155,501)

(35,464)

150,834

(13,970)

Earnings Before Interest, Taxes, Depreciation And Amortization (EBITDA)

(831,510)

61,908

150,834

(13,970)

BALANCE SHEET ITEMS

Total Borrowings

0

0

0

0

Total Liabilities

7,346,048

5,862,727

7,146,216

248,774

Total Assets

6,408,860

6,057,350

7,255,284

223,479

Net Assets

4,591,967

1,718,086

109,068

(25,295)

Net Assets Backing

(937,188)

194,623

109,068

(25,295)

Shareholders' Funds

(937,188)

194,623

109,068

(25,295)

Total Share Capital

1

1

1

1

Total Reserves

(937,189)

194,622

109,067

(25,296)

LIQUIDITY (Times)

Cash Ratio

0.10

0.06

0.04

0.03

Liquid Ratio

0.61

0.11

0.18

0.09

Current Ratio

2.64

1.16

1.02

0.90

WORKING CAPITAL CONTROL (Days)

Stock Ratio

177

96

219

0

Debtors Ratio

0

2

0

0

Creditors Ratio

37

41

53

17,473

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

0.00

0.00

Liabilities Ratio

(7.84)

30.12

65.52

(9.83)

Times Interest Earned Ratio

(127.09)

(3.50)

43.46

(75.11)

Assets Backing Ratio

4,591,967.00

1,718,086.00

109,068.00

(25,295.00)

PERFORMANCE RATIO (%)

Operating Profit Margin

(15.34)

(0.26)

1.48

0.00

Net Profit Margin

(14.91)

(0.26)

1.35

0.00

Return On Net Assets

(25.16)

(2.06)

138.29

55.23

Return On Capital Employed

(25.16)

(2.06)

138.29

55.23

Return On Shareholders' Funds/Equity

120.77

(23.42)

123.19

55.96

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

0.00

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

0

0

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.82

UK Pound

1

Rs.93.85

Euro

1

Rs.67.59

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

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

 

--

 

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.