MIRA INFORM REPORT

 

 

Report No. :

335506

Report Date :

08.08.2015

 

IDENTIFICATION DETAILS

 

Name :

A.C.  DIAM  EBVBA

 

 

Registered Office :

Hoveniersstraat  30- Bus  210 2018 Antwerpen

 

 

Country :

Belgium

 

 

Financials (as on) :

31.03.2014

 

 

Date of Incorporation :

21.03.1997

 

 

Com. Reg. No.:

460264802

 

 

Legal Form :

One  Person  Private  Limited Company  (BE)

 

 

Line of Business :

Wholesale of Watches and Jewellery.

 

 

No. of Employee :

2

 

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 :

Small Company

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)

Belgium

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

BELGIUM - ECONOMIC OVERVIEW

 

This modern, open, and private-enterprise-based economy has capitalized on its central geographic location, highly developed transport network, and diversified industrial and commercial base. Industry is concentrated mainly in the more heavily-populated region of Flanders in the north. With few natural resources, Belgium imports substantial quantities of raw materials and exports a large volume of manufactures, making its economy vulnerable to shifts in foreign demand, particularly in Belgium’s EU trade partners. Roughly three-quarters of Belgium's trade is with other EU countries. In 2014 Belgian GDP grew by 0.9%, the unemployment rate stabilized at 8.5%, and the the budget deficit was 3.2% of GDP. Prime Minister Charles MICHEL’s center-right government has pledged to further reduce the deficit in response to EU pressure to reduce Belgium’s high public debt, which remains above 100% of GDP, but such efforts could also dampen economic growth. In addition to restrained public spending, low wage growth and high unemployment promise to curtail a more robust recovery in private consumption. The government has pledged to pursue an reform program to improve Belgium’s competitiveness, including changes to tax policy, labor market rules, and welfare benefits. These changes risk worsening tensions with trade unions and triggering extended strikes.

 

Source : CIA

 

 

 

Company summary                        

 

Business  number

460264802

Branche  Unit  Number

2083042831

Company  name

A.C.  DIAM  EBVBA

Address

HOVENIERSSTRAAT  30-BUS  210

2018 ANTWERPEN

Number  of  staff

2

Date  of  establishment

21/03/1997

Telephone  number

032329484

Fax  number

032329481

 

 

Commentary

 

The  business  was  established  over  18  years  ago. The  business  has  2  employees.

 

The  business  has  been  at  the  address  for  over  16  years. The  credit  rating  for  this  business  has  decreased  from  91  to  85. The  credit  limit  for  this  business  has  decreased  from  €4550000  to  €3100000. Operating  Result  in  the  latest  trading  period  increased  36%  on  the  previous  trading  period. A  23%  decline  in  Total  Assets  occurred  during  the  latest  trading  period. The  business  saw  an  increase  in  their  Cash  Balance  of  180%  during  the  latest  trading  period.

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/03/2014

148,315,265

337,655

7,029,084

10,755,915

31/03/2013

141,455,572

313,092

7,308,206

11,418,064

31/03/2012

160,613,538

414,187

4,438,683

8,121,400

Accounts

 

 

 

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/03/2014

44,217,931

2

5,947,460

252,905

31/03/2013

57,854,217

2

6,403,380

215,983

31/03/2012

56,487,631

2

4,000,000

389,984

 

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

31.55

Industry  average  payment

325.82

Industry  average  day  sales

502.93

expectation  days

 

outstanding

 

Day  sales  outstanding

91.57

 

 

 

 

Court data summary

 

BANKRUPTCY  DETAILS

Court  action  type

no

 

PROTESTED  BILLS

Bill  amount

-

 

NSSO  DETAILS

Date  of  summons

-

 

 

Company information

 

Business  number

460264802

Company  name

A.C.  DIAM  EBVBA

Fax  number

032329481

Date  founded

21/03/1997

Company  status

active

Company  type

One  Person  Private  Limited Company  (BE)

Currency

Euro  (€)

Date  of  latest  accounts

31/03/2014

Activity  code

46480

Liable  for  VAT

yes

Activity  description

Wholesale  of  watches  and jewellery

VAT  Number

BE.0460.264.802  Check  VAT number

Belgian  Bullettin  of  Acts Publications

 

moniteur  belge

 

 

 

 

Contractor details

 

Registered  contractor

-

number

 

Contractor  description

-

Date  struck  off  register

 

Personnel  (NSSO  classification)

 

Code

-

Description

-

 

Joint  Industrial  Committee  (JIC)       

JIC  Code

218

Description

Additional  national  joint  committee  for  the  employees

category

 

 

Significant  Events

Event  Date

20/06/2012

Event  Description

proposal  of  merger  by  absorption  filed

Event  Details

Commentaar  20-06-2012:  Neerlegging  fusievoorstel  tussen  BVBA  A.C.  Diam  (overnemende vennootschap)  en  A.C.  Jewels  (over  te  nemen  vennootschap).

 

 

 

Company accounts  

                                                                                                                                             

Assets

 

 

 

 

 

 

 

 

 

Annual  accounts

31-03-2014

%

31-03-2013

%

31-03-2012

%

31-03-2011

%

31-03-2010

Weeks

52

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

833,064

-8.33

908,800

-1.32

920,915

-31.80

1,350,400

-3.30

1,396,555

Intangible  fixed  assets

0

-

0

-

0

-

0

-

0

Tangible  fixed  assets

830,602

-8.34

906,150

-1.31

918,217

410

179,764

9.82

163,696

Land  &  building

806,275

-7.15

868,323

-2.40

889,704

500

148,167

-3.57

153,652

Plant  &  machinery

-

-

-

-

-

-

417

-57.14

972

Furniture  &  Vehicles

24,327

-35.69

37,828

32.67

28,514

-8.55

31,181

243

9,072

Leasing  &  Other  Similar  Rights

-

-

-

-

-

-

-

-

-

Other  tangible  assets

0

0

-1

-

0

-

0

-

0

Financial  fixed  assets

2,462

-7.09

2,650

-1.78

2,698

-99

1,170,636

-5.05

1,232,859

Total  current  assets

43,384,867

-23.81

56,945,417

2.48

55,566,716

41.93

39,149,656

9.84

35,643,243

Inventories

6,118,290

1.24

6,043,184

39.00

4,347,547

-31.47

6,344,372

24.02

5,115,500

Raw  materials  &  consumables

-

-

-

-

-

-

-

-

-

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

6,118,290

1.24

6,043,184

39.00

4,347,547

-31.47

6,344,372

24.02

5,115,500

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

37,209,766

-25.90

50,216,559

6.16

47,302,286

44.23

32,796,351

11.60

29,387,978

Other  amounts  receivable

4,559

-99

666,838

12788

5,174

32.37

3,909

43.91

2,716

Cash

51,976

180

18,559

-99

3,911,435

82227

4,751

-99

1,136,776

Miscellaneous  current  assets

276

-0.36

277

1.01

274

0.21

274

0.24

273

Total  Assets

44,217,931

-23.57

57,854,217

2.42

56,487,631

39.48

40,500,056

9.34

37,039,798

Liabilities

 

Total  shareholders  equity

7,029,084

-3.82

7,308,206

64.65

4,438,683

7.18

4,141,196

11.11

3,727,013

Issued  share  capital

5,947,460

-7.12

6,403,380

60.08

4,000,000

0

4,000,000

0

4,000,000

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

-

-

-

-

-

-

-

-

-

Reserves

1,081,624

19.54

904,826

106

438,683

210

141,196

51.72

-272,987

Provisions  for  Liabilities  &  Charges

0

-

0

-

0

-

0

-

0

Deffered  taxes

-

-

-

-

-

-

-

-

-

Creditors

37,188,847

-26.43

50,546,010

-2.89

52,048,948

43.15

36,358,860

9.14

33,312,785

Other  long  term  loans

4,559,895

-9.14

5,018,657

9.02

4,603,632

36.61

3,369,914

-6.66

3,610,533

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-100

1

-

0

-

0

-

0

Total  long  term  debts

4,559,895

-9.14

5,018,658

9.02

4,603,632

36.61

3,369,914

-6.66

3,610,533

Current  portion  of  long  term  debt

111,994

2.68

109,074

-1.56

110,807

54.25

71,834

-5.53

76,036

Financial  debts

19,397,523

-30.53

27,923,334

15.95

24,081,596

21.35

19,844,672

-7.91

21,550,381

Trade  creditors

12,649,827

-26.27

17,157,957

-21.42

21,834,012

70.02

12,841,663

62.87

7,884,444

Amounts  Payable  for  Taxes,

143,759

10.26

130,380

-20.67

164,356

378

34,368

2.29

33,599

Remuneration  &  Social  Security

 

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

325,849

57.71

206,608

-83.53

1,254,545

538

196,409

24.47

157,792

Total  current  liabilities

32,628,952

-28.33

45,527,353

-4.04

47,445,316

43.82

32,988,947

11.07

29,702,252

Total  Liabilities

44,217,931

-23.57

57,854,217

2.42

56,487,631

39.48

40,500,056

9.34

37,039,798

 

ratio  analysis

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

0.23

4.55

0.22

-15.38

0.26

-21.21

0.33

6.45

0.31

Return  on  capital  employed

2.91

14.57

2.54

-44.54

4.58

-16.88

5.51

19.52

4.61

Return  on  total  assets  employed

0.76

40.74

0.54

-26.03

0.73

-28.43

1.02

12.09

0.91

Return  on  net  assets  employed

4.80

12.15

4.28

-54.13

9.33

-6.70

10.00

10.13

9.08

Sales  /  net  working  capital

13.79

11.30

12.39

-37.36

19.78

-3.79

20.56

12.60

18.26

Stock  turnover  ratio

4.13

-3.28

4.27

57.56

2.71

-45.91

5.01

6.14

4.72

Creditor  days

31.55

-29.47

44.73

-10.70

50.09

33.97

37.39

39.46

26.81

Debtor  days

91.57

-29.33

129.57

20.53

107.50

13.77

94.49

-4.44

98.88

SHORT  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Current  ratio

1.33

6.40

1.25

6.84

1.17

-1.68

1.19

-0.83

1.20

Liquidity  ratio  /  acid  ratio

1.14

1.79

1.12

3.70

1.08

9.09

0.99

-3.88

1.03

Current  debt  ratio

4.64

-25.52

6.23

-41.72

10.69

34.13

7.97

0

7.97

 

Liquidity  ratio  reprocessed

-

 

-

-

 

-

-

 

-

-

-

-

Cashflow

 

252,905

17.09

 

215,983

-44.62

 

389,984

-10.31

434,797

24.27

349,891

Net  worth

 

7,029,084

-3.82

 

7,308,206

64.65

 

4,438,683

7.18

4,141,196

11.11

3,727,013

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

 

 

 

Gearing

 

342.43

-24.28

 

452.25

-30.29

 

648.75

15.37

562.31

-16.96

677.14

Equity  in  percentage

 

15.90

25.89

 

12.63

60.69

7.86

 

-23.17

10.23

1.69

10.06

Total  debt  ratio

5.29

 

-23.55

6.92

 

-41.01

11.73

 

33.60

8.78

-1.79

8.94

Working  capital

 

10,755,915

-5.80

 

11,418,064

40.59

 

8,121,400

31.83

6,160,710

3.70

5,940,991

 

Profit  &  loss

                                                                                                                                                            

Operating  Income

148,315,927

4.76

 

141,581,511

-11.85

 

160,614,155

26.78

 

126,691,507

16.77

108,493,908

Turnover

148,315,265

4.85

 

141,455,572

-11.93

 

160,613,538

26.78

 

126,682,062

16.77

108,484,565

Total  operating  expenses

146,340,974

4.52

 

140,014,471

-12.00

 

159,113,336

26.94

 

125,344,586

16.78

107,334,351

Gross  Operating  Margin

-

-

-

 

-

-

 

-

-

 

-

-

Operating  Charges

146,341,636

4.43

 

140,140,410

-11.92

 

159,113,953

26.93

 

125,354,030

16.78

107,343,694

Employee  costs

89,403

11.60

80,107

 

1.23

79,133

 

-11.68

 

89,596

178

32,178

Wages  and  salary

67,457

5.32

64,049

 

-0.84

64,590

 

4.64

 

61,724

132

26,600

Employee  pension  costs

-

-

-

 

-

-

 

-

-

 

-

-

Social  security

15,138

3.58

14,615

 

8.40

13,482

 

-50.72

 

27,356

463

4,853

contributions

 

 

 

 

 

 

 

 

 

 

 

 

Other  employee  costs

6,807

371

1,444

 

36.09

1,061

 

105

 

516

-28.84

725

Director  remuneration

104,987

-1.31

106,384

 

-1.00

107,453

 

-7.41

 

116,058

12.47

103,193

Amortization  and depreciation

11,685

-27.49

16,115

 

-82.58

92,497

 

348

 

20,614

47.23

14,001

Operating  result

1,974,291

37.00

1,441,101

 

-3.94

1,500,202

 

12.17

 

1,337,476

16.28

1,150,214

Total  financial  income

51

-7.27

55

 

-83.42

332

 

-51.88

 

689

1713

38

Total  financial  expenses

1,636,686

45.09

1,128,063

 

3.84

1,086,347

 

17.57

 

923,982

13.82

811,820

Results  on  ordinary operations  before

taxation

337,655

7.85

313,092

 

-24.41

414,187

 

0.00

 

414,184

22.38

338,432

Extraordinary  Income

-

-

-

 

-

-

 

-

 

-

-

-

Extraordinary  Charges

-

-

-

 

-

-

 

-

 

-

-

-

Extraordinary  items

0

-

0

 

-

0

 

-

 

0

-

0

Results  for  the  Year Before  Taxation

337,655

7.85

313,092

 

-24.41

414,187

 

0.00

 

414,184

22.38

338,432

Other  appropriations

-

-

-

 

-

-

 

-

 

-

-

-

Taxation

96,435

-14.83

113,224

 

-2.98

116,700

 

46679940

 

0

-99

2,542

Results  on  ordinary operations  after  taxation

241,220

20.69

199,868

 

-32.81

297,487

 

-28.18

 

414,183

23.31

335,890

Net  result

241,220

20.69

199,868

 

-32.81

297,487

 

-28.18

 

414,183

23.31

335,890

Profit  (Loss)  for  the  Year to  be  appropiated

241,220

20.69

199,868

 

-32.81

297,487

 

-28.18

 

414,183

23.31

335,890

Profit  (Loss)  for  the  Year to  be  appropiated

241,220

20.69

199,868

 

-32.81

297,487

 

-28.18

 

414,183

23.31

335,890

 

 

Social  Balance  Sheet  Details

                                                                                                        

Social  Balance  Sheet  Details

 

 

 

 

 

 

 

 

 

Social  Balance  Sheet

 

 

 

 

Total

 

 

 

 

During  the  reporting  year

 

 

 

 

 

 

 

 

 

ended  31-03-2014

 

 

 

 

 

 

 

 

 

Full-time  Employees

 

 

 

 

2

 

 

 

 

Part-time  Employees

 

 

 

 

1

 

 

 

 

Total  Fte  Employees

 

 

 

 

2

 

 

 

 

Number  of  hours  worked

 

 

 

 

 

 

 

 

 

Full-time  Employees

 

 

 

 

3,491

 

 

 

 

Part-time  Employees

 

 

 

 

162

 

 

 

 

Total

 

 

 

 

3,653

 

 

 

 

Personnel  Charges

 

 

 

 

 

 

 

 

 

Full-time  Employees

 

 

 

 

86,196

 

 

 

 

Part-time  Employees

 

 

 

 

3,207

 

 

 

 

Total

 

 

 

 

89,403

 

 

 

 

Benefits  In  Addition  To  Wages

 

 

 

 

-

 

 

 

 

During  the  previous  reporting  year

 

 

 

 

 

 

 

 

 

Average  number  employees  in  Fte

 

 

 

 

2

 

 

 

 

Actual  working  hours

 

 

 

 

3,584

 

 

 

 

Personnel  Charges

 

 

 

 

74,403

 

 

 

 

Benefits  In  Addition  To  Wages

 

 

 

 

-

 

 

 

 

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

2

1

2

Contracts

 

 

 

Limited  Duration  Contracts

-

-

-

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding

-

-

-

 

Gender  and  Education Level

Men

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

1

-

1

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

1

1

1

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

2

-

2

Blue  collar  worker

-

1

0

Other

-

-

-

Temporary  personnel

 

Total

 

Average  number  of  temporary  staff

 

-

 

Actual  working  hours

 

-

 

Cost  of  temporary  staff

 

-

 

New  staff  and  leavers

Full-Time

Part-Time

Total  Fte

New  Starters

-

1

0

Leavers

-

-

-

 

Total  of  formal  continuing  vocational  training  initiatives

 

 

for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

Total  of  less  formal  and  informal  continuing  vocational

 

 

training  initiatives  for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

Total  of  initial  training  initiatives  at  the  expense  of  the

 

 

employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

 

Industry  comparison

 

 

Activity  code

46480

 

Activity  description

 

Wholesale  of  watches  and  jewellery

 

Payment Information

 

Suspension  of  payments  /  moratorium  history

Amount

-

Details

-

Payment  expectations

 

Payment  expectation  days

31.55

Day  sales  outstanding

91.57

Industry  comparison

 

Activity  code

46480

Activity  description

Wholesale  of  watches  and  jewellery

Industry  average  payment

325.82

expectation  days

 

Industry  average  day  sales

502.93

outstanding

 

 

Industry  quartile  analysis

 

Payment  expectations

 

Company  result

31.55

Lower

127.92

Median

62.32

Upper

18.49

 

 

Shareholder Details

 

Summary

Group  -  Number  of  Companies

0

Linkages  -  Number  of  Companies

0

Number  of  Countries

0

 

 

Group Structure

 

No  group  structure  for  this  company.

Minority  Shareholders

 

No  minority  shareholders  found

Minority  Interests

 

No  minority  interests  found

Individual  Shareholders

 

 

SHAREHOLDER NAME

 

Forename

Arvindkumar

Middle  name

-

Surname

Shah

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

16/07/2012(estimated)

End  date

-

Percentage  owned

100%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Van  Eycklei

House  number

2

Minor  town

-

Postal  town

Antwerpen

Post  code

2018

Country

Belgium

 

Companies  that  match  this  address

no  Companies  Match  this  address

 

 

Linked Companies

 

Summary

Group  -  Number  of  Companies

0

Linkages  -  Number  of  Companies

0

Number  of  Countries

0

 

Summons

there  is  no  data  for  this  company

 

Protested  Bills

there  is  no  data  for  this  company

 

Bankruptcy  and  other  legal  events

there  is  no  data  for  this  company

 

 

Director details

 

Current  director  details

 

Name

AMIT  ARUNNBHAI  SHAH

Position

Principal  Manager

Start  Date

19/12/2011

Date  of  birth

08/07/1980

Street

2 VAN  EYCKLEI  ANTWERPEN

Post  code

2018

Country

Belgium

 

 

Name

ARVINDKUMAR  CHIMANLAL  SHAH

Position

Principal  Manager

Start  Date

12/10/2010

Date  of  birth

31/10/1954

Street

2 VAN  EYCKLEI  ANTWERPEN

Post  code

2018

Country

Belgium

                             

Current mandates in other companies

Name

A.C.  Jewels  BVBA

Business  number

865979673

Position

Principal  Manager

Start  Date

26/02/2010

 

 

Business  number

865979673

Position

Non  Statutory  Partner

Start  Date

17/06/2004

 


DIAMOND INDUSTRY – INDIA

 

-            From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-            The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-            The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-            Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-            Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-            Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-            Excerpts from Times of India dated 30th October 2010 is as under –

 

-            Gem & Jewellery Export Promotion Council in its statistical data has shown the export of polished diamonds to have increase by 28 % in February 2013. Compared to $ 1.4 bn worth of polished diamond export in February, 2012, India exported $ 1.84 billion worth of polished diamonds in February 2013. A senior executive of GJEPC said, “Export of cut and polished diamonds started falling month-wise after the imposition of 2 % of import duty on the polished diamonds. But February, 2013 has given a new ray of hope to the industry as the export of polished diamonds has actually increased by 28 %. It means the industry  is on the track of recovery and round tripping of diamonds has stopped completely.” Demand has started coming from the US, the UK, Japan and China. India’s polished diamond export is expected to cross $ 21 bn in 2013-14.

 

-            The banking sector has started exercising restraint while following prudent risk management norms when lending money to gems and jewellery sector. This follows the implementation of Basel III accord – a global voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity.

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.81

UK Pound

1

Rs.98.93

Euro

1

Rs.69.66

 

INFORMATION DETAILS

 

Analysis Done by :

KAS

 

 

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.