MIRA INFORM REPORT

 

 

Report No. :

335526

Report Date :

06.08.2015

 

IDENTIFICATION DETAILS

 

Name :

SAUDI MASTERBAKER LTD

 

 

Registered Office :

Street No. 76 (Abu Qaiq Road), 2nd Industrial Area, PO Box 7091, Dammam 31462

 

 

Country :

Saudi Arabia

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

12.06.2000

 

 

Com. Reg. No.:

2050036495

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Engaged in the production of cupcakes, rusks, pastries, tarts and samosa leaves.

 

 

No. of Employees :

100

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

Payment Behaviour :

No Complaints

Litigation :

Clear

 

NOTES:

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

 

 

ECGC Country Risk Classification List – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Saudi Arabia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SAUDI ARABIA - ECONOMIC OVERVIEW

 

Saudi Arabia has an oil-based economy with strong government controls over major economic activities. It possesses about 16% of the world's proven petroleum reserves, ranks as the largest exporter of petroleum, and plays a leading role in OPEC. The petroleum sector accounts for roughly 80% of budget revenues, 45% of GDP, and 90% of export earnings. Saudi Arabia is encouraging the growth of the private sector in order to diversify its economy and to employ more Saudi nationals. Diversification efforts are focusing on power generation, telecommuncations, natural gas exploration, and petrochemical sectors. Over 6 million foreign workers play an important role in the Saudi economy, particularly in the oil and service sectors, while Riyadh is struggling to reduce unemployment among its own nationals. Saudi officials are particularly focused on employing its large youth population, which generally lacks the education and technical skills the private sector needs. In 2014 the Kingdom ran its first budget deficit since 2009, and faces budget deficits for the foreseeable future because it requires an oil price greater than $100 per barrel to balance its budget. Although the Kingdom can finance high deficits for several years by drawing down its considerable foreign assets or borrowing, it probably will begin to reduce capital spending if oil prices stay low through the next year.

 

Source : CIA

 


SUMMARY

 

Company Name                                     : SAUDI MASTERBAKER LTD

Country of Origin                                    : Saudi Arabia

Legal Form                                            : Limited Liability Company

Registration Date                                   : 12th June 2000

Commercial Registration Number            : 2050036495, Dammam

Membership Number                              : 488

Issued Capital                                        : SR 1,000,000

Paid up Capital                                      : SR 1,000,000

Total Workforce                                     : 100

Activities                                               : Producers of cupcakes, rusks, pastries, tarts and samosa leaves.

Financial Condition                                 : Fair

Payments                                             : Nothing detrimental uncovered

Operating Trend                                     : Steady

 

 

COMPANY NAME

 

SAUDI MASTERBAKER LTD

 

 

ADDRESS

 

Registered & Physical Address

 

Street               : Street No. 76 (Abu Qaiq Road)

Area                 : 2nd Industrial Area

PO Box             : 7091

Town                 : Dammam 31462

Country             : Saudi Arabia

Telephone         : (966-13) 8125200

Facsimile          : (966-13) 8125060

Email                : info@saudi.switzgroup.com / info@switzgroup.com

 

Premises

 

Subject operates from a medium sized suite of offices and a factory that are rented and located in the Industrial Area of Dammam.

 

Branch Offices

 

Location                                                                                  Description

 

Jeddah                                                                                      Office premises

Tel: (966-12) 6364295

Fax: (966-12) 6368630

 

Riyadh                                                                                      Office premises

Tel: (966-11) 4712969

Fax: (966-11) 4712819

 

Hafr Al Batin                                                                              Office premises

Tel: (966-17) 7225288

 

Abha                                                                                         Office premises 

Tel: (966-17) 2381251

 

 

KEY PRINCIPALS

 

Name                                                                                       Position

 

Ahmed Abdullah Hameed Al Mantakh                                          Managing Director

 

Tyson Fakhruddine                                                                                 Director

 

Tariq Aziz                                                                                              General Manager

 

Hameed Mayanon                                                                                  Assistant General Manager

 

Omar Khan                                                                                            Human Resources Manager

 

 

LEGAL FORM & OWNERS

 

Date of Establishment  : 12th June 2000

 

Legal Form      : Limited Liability Company

 

Commercial Reg. No.  : 2050036495, Dammam

 

Membership No.          : 488

 

Issued Capital              : SR 1,000,000

 

Paid up Capital            : SR 1,000,000

 

Name of Shareholder (s)

 

Ahmed Abdullah Hameed Al Mantakh

 

Tyson Fakhruddine

 

 

OPERATIONS

 

Activities: Engaged in the production of cupcakes, rusks, pastries, tarts and samosa leaves.

 

Import Countries: Europe and the Far East.

 

Brand Names: SWITZ, BINT ALBALAD, GARAMEESH RUSK, NAHOOL and SABAHOO

 

Operating Trend: Steady

 

Subject has a workforce of 100 employees.

 

 

FINANCIAL DATA

 

Financial highlights provided by local sources are given below:

 

Currency: Saudi Riyals (SR)

 

                                                Year Ending 31/12/13:              Year Ending 31/12/14:

 

Total Sales                                SR 21,900,000                           SR 23,200,000

 

Local sources consider subject’s financial condition to be Fair.

 

The above financial figures are based on estimations by our local sources.

 

 

BANKERS

 

National Commercial Bank

PO Box: 13

Dammam 31411

Tel: (966-13) 8331188

Fax: (966-13) 8336058

 

 

PAYMENT HISTORY

 

No complaints regarding subject’s payments have been reported.

 

 

GENERAL COMMENTS

 

During the course of this investigation nothing detrimental was uncovered regarding subject’s operating history or the manner in which payments are fulfilled. As such the company is considered to be a fair trade risk.

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.82

UK Pound

1

Rs.99.15

Euro

1

Rs.69.31

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

TPT

 

               

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.