MIRA INFORM REPORT

 

 

Report No. :

334391

Report Date :

01.08.2015

 

IDENTIFICATION DETAILS

 

Name :

SACHTLEBEN CHEMIE GESELLSCHAFT MIT BESCHRÄNKTER HAFTUNG

 

 

Registered Office :

Dr.-Rudolf-Sachtleben-Str. 4 D 47198 Duisburg

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

12.11.2003

 

 

Com. Reg. No.:

HRB 19669

 

 

Legal Form :

Private limited company

 

 

Line of Business :

·         Manufacture of other fabricated metal products

·         Wholesale of chemical products

·         Wholesale of iron ores, iron, steel and iron and steel semi-finished goods

 

 

No. of Employees :

1,093

 

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 :

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 – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

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 5.2% 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. The German economy suffers from low levels of investment, and a government plan to invest 15 billion euros 2016-18, largely in infrastructure, is intended to spur needed private investment. 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 accounted for 27.8% of gross electricity consumption in 2014, 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. Extremely low inflation, caused largely by low global energy prices and a weak euro, are expected to boost German GDP growth in 2015.

 

Source : CIA

 

Company name and address

 

SACHTLEBEN CHEMIE GESELLSCHAFT MIT BESCHRÄNKTER HAFTUNG

 

Dr.-Rudolf-Sachtleben-Str. 4

D 47198 Duisburg

Telephone:02066/22-0

Telefax:  02066/222000

Homepage: www.sachtleben.de

E-mail:   info@sachtleben.de

 

 

Company Status

 

Active

 

 

VAT no.

 

DE814031123

 

 

Tax ID number

 

134/5780/0439

 

 

CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM              Private limited company

 Date of foundation:      12.11.2003

 Shareholders'

 agreement:                   12.11.2003

 Registered on:             11.10.2007

 Commercial Register:   Local court 47051 Duisburg

 under:                          HRB 19669

 

 Share capital:               EUR         26,000,000.00

Shareholder:

                      Huntsman (Holdings) Germany GmbH

                      Land-Au 30

                      D 94469 Deggendorf

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR         26,000,000.00

                      Registered on: 02.06.2006

                      Reg. data: 94469 Deggendorf, HRB 2905

 Manager:

                      Michael Christopher Dixon

                      GB  Northallerton

                      born: 12.07.1968

                      Nationality: British

 Manager:

                      Dr. Jörg Eraßme

                      D 52066 Aachen

                      born: 26.10.1954

 Manager:

                      Justin Phillipson

                      SGP  Singapur

                      born: 10.10.1968

                      Nationality: Singaporean

 Manager:

                      Simon Turner

                      GB  Osmotherley

                      born: 11.09.1963

                      Nationality: British

 Manager:

                      John Hussa

                      B  Vilvoorde

                      born: 08.05.1960

                      Nationality: Belgian

 Proxy:

                      Dr. Jörn-Cristoph Schmidt-Reinhold

                      D 53117 Bonn

                      authorized to jointly represent the company

                      born: 15.07.1964

 Proxy:

                      Wilhelm Thygs

                      D 47799 Krefeld

                      authorized to jointly represent the company

                      born: 09.10.1953

 Proxy:

                      Wolfgang Itner

                      Blumenstr. 4

                      D 47929 Grefrath

                      authorized to jointly represent the company

                      born: 06.12.1957

                      Marital status: married

 Proxy:

                      Ulrich Gerhard Hallmann

                      Sandrastr. 22

                      D 46537 Dinslaken

                      authorized to jointly represent the company

                      born: 04.01.1960

 Proxy:

                      Manfred Berger

                      D 50670 Köln

                      authorized to jointly represent the company

                      born: 08.05.1957

 Proxy:

                      Klaus Pomaska

                      D 63165 Mühlheim

                      authorized to jointly represent the company

                      born: 01.09.1966

 Proxy:

                      Ulrich Pannek

                      D 44787 Bochum

                      authorized to jointly represent the company

                      born: 04.02.1967

 Proxy:

                      Marcel Barby

                      B  Herent

                      authorized to jointly represent the company

                      born: 21.03.1974

                      Nationality: Belgian

 Proxy:

                      Heike Treffer

                      D 80331 München

                      authorized to jointly represent the company

                      born: 30.03.1967

 

 Further functions/participations of Michael Christopher Dixon

 (Manager)

 Manager:

                      Sachtleben Wasserchemie GmbH

                      Zeppelinstr. 23

                      D 49479 Ibbenbüren

                      Legal form: Private limited company

                      Share capital:     EUR            281,210.53

                      Registered

                      on:         31.08.1988

                      Reg. data:  48565 Steinfurt, HRB 5332

 Manager:

                      Huntsman International Trading Deutschland

                      GmbH

                      Baumwall 5

                      D 20459 Hamburg

                      Legal form: Private limited company dormant

                      Share capital:     EUR            153,387.56

                      Registered

                      on:         31.01.1989

                      Reg. data:  20355 Hamburg, HRB 41276

 Manager:

                      HUNTSMAN Verwaltungs GmbH

                      Baumwall 5

                      D 20459 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.59

                      Registered

                      on:         12.06.1997

                      Reg. data:  20355 Hamburg, HRB 64570

 Manager:

                      Huntsman Pigments Holding GmbH

                      Mühlstr. 118

                      D 65396 Walluf

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         15.07.2003

                      Reg. data:  65189 Wiesbaden, HRB 17837

 Manager:

                      Sasol-Huntsman Verwaltungs GmbH

                      Römerstr. 733

                      D 47443 Moers

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.60

                      Registered

                      on:         23.09.1997

                      Reg. data:  47533 Kleve, HRB 5686

 Manager:

                      Sachtleben Wasserchemie (Holding) GmbH

                      Dr.-Rudolf-Sachtleben-Str. 4

                      D 47198 Duisburg

                      Legal form: Private limited company

                      Share capital:     EUR            330,000.00

                      Registered

                      on:         23.07.2007

                      Reg. data:  60313 Frankfurt, HRB 80726

 Manager:

                      Huntsman (Holdings) Germany GmbH

                      Land-Au 30

                      D 94469 Deggendorf

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         02.06.2006

                      Reg. data:  94469 Deggendorf, HRB 2905

 Manager:

                      Sachtleben Pigment GmbH

                      Rheinuferstr. 7-9

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR         10,000,000.00

                      Registered

                      on:         20.08.2012

                      Reg. data:  47051 Duisburg, HRB 24751

 Manager:

                      Silo Pigmente GmbH

                      Mühlstr. 118

                      D 65396 Walluf

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         12.03.2001

                      Reg. data:  65189 Wiesbaden, HRB 17832

 

 Further functions/participations of Dr. Jörg Eraßme (Manager)

 Manager:

                      PIGMENT-CHEMIE Gesellschaft mit beschränkter

                      Haftung

                      Dr.-Rudolf-Sachtleben-Str. 4

                      D 47198 Duisburg

                      Legal form: Private limited company

                      Share capital:     EUR             51,129.19

                      Registered

                      on:         20.03.1996

                      Reg. data:  47051 Duisburg, HRB 7018

 

 Further functions/participations of Justin Phillipson (Manager)

 Manager:

                      Sachtleben Wasserchemie GmbH

                      Zeppelinstr. 23

                      D 49479 Ibbenbüren

                      Legal form: Private limited company

                      Share capital:     EUR            281,210.53

                      Registered

                      on:         31.08.1988

                      Reg. data:  48565 Steinfurt, HRB 5332

 Manager:

                      Silo Pigmente GmbH

                      Mühlstr. 118

                      D 65396 Walluf

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         12.03.2001

                      Reg. data:  65189 Wiesbaden, HRB 17832

 Manager:

                      Huntsman Pigments Holding GmbH

                      Mühlstr. 118

                      D 65396 Walluf

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         15.07.2003

                      Reg. data:  65189 Wiesbaden, HRB 17837

 Manager:

                      Sachtleben Wasserchemie (Holding) GmbH

                      Dr.-Rudolf-Sachtleben-Str. 4

                      D 47198 Duisburg

                      Legal form: Private limited company

                      Share capital:     EUR            330,000.00

                      Registered

                      on:         23.07.2007

                      Reg. data:  60313 Frankfurt, HRB 80726

 Manager:

                      Huntsman (Holdings) Germany GmbH

                      Land-Au 30

                      D 94469 Deggendorf

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         02.06.2006

                      Reg. data:  94469 Deggendorf, HRB 2905

 Manager:

                      Sachtleben Pigment GmbH

                      Rheinuferstr. 7-9

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR         10,000,000.00

                      Registered

                      on:         20.08.2012

                      Reg. data:  47051 Duisburg, HRB 24751

 

 Further functions/participations of Simon Turner (Manager)

 Manager:

                      Sachtleben Wasserchemie GmbH

                      Zeppelinstr. 23

                      D 49479 Ibbenbüren

                      Legal form: Private limited company

                      Share capital:     EUR            281,210.53

                      Registered

                      on:         31.08.1988

                      Reg. data:  48565 Steinfurt, HRB 5332

 Manager:

                      Huntsman Pigments Holding GmbH

                      Mühlstr. 118

                      D 65396 Walluf

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         15.07.2003

                      Reg. data:  65189 Wiesbaden, HRB 17837

 Manager:

                      Sachtleben Wasserchemie (Holding) GmbH

                      Dr.-Rudolf-Sachtleben-Str. 4

                      D 47198 Duisburg

                      Legal form: Private limited company

                      Share capital:     EUR            330,000.00

                      Registered

                      on:         23.07.2007

                      Reg. data:  60313 Frankfurt, HRB 80726

 Manager:

                      Huntsman (Holdings) Germany GmbH

                      Land-Au 30

                      D 94469 Deggendorf

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         02.06.2006

                      Reg. data:  94469 Deggendorf, HRB 2905

 Manager:

                      Sachtleben Pigment GmbH

                      Rheinuferstr. 7-9

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR         10,000,000.00

                      Registered

                      on:         20.08.2012

                      Reg. data:  47051 Duisburg, HRB 24751

 Manager:

                      Silo Pigmente GmbH

                      Mühlstr. 118

                      D 65396 Walluf

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         12.03.2001

                      Reg. data:  65189 Wiesbaden, HRB 17832

 

 Further functions/participations of John Hussa (Manager)

 Manager:

                      Sachtleben Pigment GmbH

                      Rheinuferstr. 7-9

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Share capital:     EUR         10,000,000.00

                      Registered

                      on:         20.08.2012

                      Reg. data:  47051 Duisburg, HRB 24751

 

 

COMPANY HISTORY

 

 12.11.2003 - 29.11.2004                        Deukalion Zweiundzwanzigste

                          Vermögensverwaltungs-GmbH

                          Mainzer Landstr. 46

                          D 60325 Frankfurt

                          Private limited company

 29.11.2004 - 15.06.2005                        Knight Dritte Beteiligungs GmbH

                                                            Mainzer Landstr. 46

                                                            D 60325 Frankfurt

                                                            Private limited company

 15.06.2005 - 19.09.2007                        Rockwood Specialties Group Sachtleben

                          GmbH

                          Mainzer Landstr. 46

                          D 60325 Frankfurt

                                                                        Private limited company

 19.09.2007 - 11.10.2007                        Sachtleben Chemie Gesellschaft mit

                          beschränkter Haftung

                          Mainzer Landstr. 46

                          D 60325 Frankfurt

                          Private limited company

 

 

 RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 17.09.2013 - 20.10.2014  Manager

                          Andrew Martin Ross

                          USA Washington DC

 13.09.2010 - 20.10.2014  Manager

                          Juha Mika Antero Mäkinen

                          SF - Vantaa

 30.09.2008 - 20.10.2014  Manager

                          Dr. Andreas Grünewald

                          D 53721 Siegburg

 19.10.2010 - 06.09.2013  Manager

                          Vernon Stuart Sumner

                          D 40210 Düsseldorf

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

2599    Manufacture of other fabricated metal products n.e.c.

32990   Other manufacturing n.e.c.

4675    Wholesale of chemical products

 Secondary industrial sector

 46721   Wholesale of iron ores, iron, steel and iron and steel semi-finished goods

 

 

BRANCHES AND FACTORIES

 

 Branch:

                      Sachtleben Chemie Gesellschaft mit

                      beschränkter Haftung

                      Osterfelder Str. 5

                      D 46047 Oberhausen

 

 

 PARTICIPATIONS

 

 Limited partner:

                      Deutsche Baryt-Industrie Dr. Rudolf Alberti

                      GmbH & Co. KG

                      Bahnhofstr. 21-39

                      D 37431 Bad Lauterberg

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR          2,304,000.00

                      contribution:

                      Share:             EUR            576,000.00

                      Reg. data:  29.11.1954

                                  Local court 37073 Göttingen

                                  HRA 121227

 Shareholder:

                      Sachtleben Pigment GmbH

                      Rheinuferstr. 7-9

                      D 47829 Krefeld

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR         10,000,000.00

                      Share:             EUR         10,000,000.00

                      Reg. data:  20.08.2012

                                  Local court 47051 Duisburg

                                  HRB 24751

FINANCIAL INFORMATION

 

Payment experience:  cash discount/within agreed terms

 

 Negative information:We have no negative information at hand.

The maximum credit is our recommendation for the maximum credit limit for the inquired company.

 

 Balance sheet year:  2013

 

 

REAL ESTATE

 

 Type of ownership:   Tenant

 Address              Dr.-Rudolf-Sachtleben-Str. 4

                      D 47198 Duisburg

 

 Land register documents were not available.

 

 

BANKERS

 

 COMMERZBANK, 47002 DUISBURG

 Sort. code: 35040038

 BIC: COBADEFFXXX

 DEUTSCHE BANK, 47003 DUISBURG

 Sort. code: 35070030

 BIC: DEUTDEDE350

 SPARKASSE DUISBURG, 47015 DUISBURG

 Sort. code: 35050000

 BIC: DUISDE33XXX

 

 

 FINANCIAL FIGURES

 

 Turnover:            2013               EUR        798,392,369.00

 Profit:              2013               EUR        -73,442,267.00

 Equipment:                              EUR          4,976,115.00

 Ac/ts receivable:                       EUR        232,205,404.00

 Liabilities:                            EUR        111,117,883.00

 Employees:                                                  1,093

 

 

BALANCE SHEETS

 

 Balance sheet ratios                             01.01.2013 - 31.12.2013

 Equity ratio [%]:                                                61.40

 Liquidity ratio:                                                   1.00

 Return on total capital [%]:                                -16.0

 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:                      01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR        618,975,388.82

  Fixed assets                           EUR        281,610,830.96

   Intangible assets                     EUR         93,250,185.00

    Concessions, licences, rights        EUR         46,229,348.00

    Goodwill                             EUR         47,020,837.00

   Tangible assets                       EUR        187,396,817.86

    Land / similar rights                EUR         53,750,935.55

    Plant / machinery                    EUR         99,166,798.00

    Other tangible assets / fixtures and

    fittings                             EUR          4,976,114.51

    Advance payments made / construction

    in progress                          EUR         29,502,969.80

   Financial assets                      EUR            963,828.10

    Shares in participations /

    subsidiaries and the like            EUR            938,623.14

     Shares in related companies         EUR            349,759.23

     Shares in investee companies        EUR            588,863.91

    Other loans                          EUR             25,204.96

  Current assets                         EUR        337,172,360.35

   Stocks                                EUR        103,958,886.01

    Raw materials, consumables and

    supplies                             EUR         31,424,907.80

    Finished goods / work in progress    EUR         71,510,768.84

    Advance payments made                EUR          1,023,209.37

   Accounts receivable                   EUR        232,205,404.27

    Trade debtors                        EUR         94,420,275.92

    Amounts due from related companies   EUR        122,703,514.65

    Other debtors and assets             EUR         15,081,613.70

   Liquid means                          EUR          1,008,070.07

  Remaining other assets                 EUR            192,197.51

   Accruals (assets)                     EUR            192,197.51

 

 LIABILITIES                             EUR        618,975,388.82

  Shareholders' equity                   EUR        445,213,984.33

   Capital                               EUR         25,600,000.00

    Subscribed capital (share capital)   EUR         25,600,000.00

   Reserves                              EUR        419,613,984.33

    Capital reserves                     EUR        418,302,677.33

    Retained earnings / revenue reserves EUR          1,311,307.00

  Provisions                             EUR         62,643,521.99

   Pension provisions and comparable

   provisions                            EUR         47,852,672.00

   Other / unspecified provisions        EUR         14,790,849.99

  Liabilities                            EUR        111,117,882.50

   Other liabilities                     EUR        111,117,882.50

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         30,184,711.32

    Liabililties due to related companiesEUR         78,756,363.71

    Unspecified other liabilities        EUR          2,176,807.47

     thereof liabilities from tax /

     financial authorities               EUR            844,095.34

     thereof liabilities from social

     security                            EUR            209,584.80

 

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

 Code (HGB)

  Sales                                  EUR        798,392,368.58

  Inventory change + own costs (+/-)     EUR        -18,470,989.24

   Inventory change (+/-)                EUR        -20,630,717.09

   Capitalised own costs                 EUR          2,159,727.85

  Other operating income                 EUR         15,614,274.46

  Cost of materials                      EUR        593,686,721.59

   Raw materials and supplies, purchased

   goods                                 EUR        589,580,500.92

   Purchased services                    EUR          4,106,220.67

  Gross result (+/-)                     EUR        201,848,932.21

  Staff expenses                         EUR         75,275,397.85

   Wages and salaries                    EUR         61,640,115.95

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         13,635,281.90

  Total depreciation                     EUR         41,809,712.73

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         41,809,712.73

  Other operating expenses               EUR         98,030,144.02

  Operating result from continuing

  operations                             EUR        -13,266,322.39

  Result from participating interests

  (+/-)                                  EUR            602,359.50

   Expenses / income from participations EUR            602,359.50

    Income from related companies        EUR            602,359.50

  Interest result (+/-)                  EUR         -7,037,205.12

   Interest and similar income           EUR            127,713.91

    thereof from related companies       EUR            114,989.19

   Interest and similar expenses         EUR          7,164,919.03

    thereof paid to related companies    EUR            297,132.11

  Other financial result                 EUR        -52,662,317.30

   Income from securities and loans from

   financial assets                      EUR          2,337,682.70

    thereof related companies            EUR          2,335,956.95

   Depreciation on financial assets and

   marketable securities                 EUR         55,000,000.00

  Financial result (+/-)                 EUR        -59,097,162.92

  Result from ordinary operations (+/-)  EUR        -72,363,485.31

  Extraordinary expenses                 EUR          1,049,608.00

  Extraordinary result (+/-)             EUR         -1,049,608.00

  Income from assumption of loss by

  parent company                         EUR         73,442,267.40

  Income tax / refund of income tax (+/-)EUR            -29,174.09

  Tax (+/-)                              EUR            -29,174.09

  Annual surplus / annual deficit        EUR                  0.00


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.64.01

UK Pound

1

Rs.99.84

Euro

1

Rs.70.16

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

SDA

 

               

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.