MIRA INFORM REPORT

 

 

Report No. :

337326

Report Date :

20.08.2015

 

IDENTIFICATION DETAILS

 

Name :

ARTHUR LUNDGREN TECIDOS S/A - CASAS PERNAMBUCANAS

 

 

Registered Office :

Rua Da Consolação, 2387 /2411 - Cerqueira César 01301-909 - São Paulo/SP

 

 

Country :

Brazil

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

10.04.1912

 

 

Legal Form :

Privately Held Corporation

 

 

Line of Business :

Retail Chain Store.

 

 

No. of Employees :

15870 Employees

 

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

 

Status :

Good 

 

 

Payment Behaviour :

Regular

 

 

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)

Brazil

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

BRAZIL - ECONOMIC OVERVIEW

 

Characterized by large and well-developed agricultural, mining, manufacturing, and service sectors, and a rapidly expanding middle class, Brazil's economy outweighs that of all other South American countries, and Brazil is expanding its presence in world markets. Since 2003, Brazil has steadily improved its macroeconomic stability, building up foreign reserves, and reducing its debt profile by shifting its debt burden toward real denominated and domestically held instruments. Since 2008, Brazil became a net external creditor and all three of the major ratings agencies awarded investment grade status to its debt. After strong growth in 2007 and 2008, the onset of the global financial crisis hit Brazil in 2008. Brazil experienced two quarters of recession, as global demand for Brazil's commodity-based exports dwindled and external credit dried up. However, Brazil was one of the first emerging markets to begin a recovery. In 2010, consumer and investor confidence revived and GDP growth reached 7.5%, the highest growth rate in the past 25 years. After reaching historic lows of 4.5% in early 2014, the unemployment rate remains low, but is rising. Brazil's traditionally high level of income inequality has declined for each of the last 15 years. GDP growth has slowed since 2011, due to several factors, including: overdependence on exports of raw commodities, low productivity, high operational costs, persistently high inflation, and low levels of investment. Brazil’s fiscal and current account balances have eroded during the past four years as the government attempted to boost economic growth through targeted tax cuts for industry and incentives to spur household consumption. After winning re-election in October 2014 by a historically narrow margin, President Dilma ROUSSEFF appointed a new economic team led by Finance Minister Joaquim LEVY, who introduced a fiscal austerity package intended to restore the primary account surplus to 1.2% of GDP and preserve the country’s investment-grade sovereign credit rating. Brazil seeks to strengthen its workforce and its economy over the long run by imposing local content and technology transfer requirements on foreign businesses, by investing in education through social programs such as Bolsa Familia and the Brazil Science Mobility Program, and by investing in research in the areas of space, nanotechnology, healthcare, and energy.

 

Source : CIA

 

Company Name

 

ARTHUR LUNDGREN TECIDOS S/A - CASAS PERNAMBUCANAS

 

 

ADDRESSES

 

MAIN ADDRESS:

RUA DA CONSOLAÇÃO, 2387 /2411 - CERQUEIRA CÉSAR

ZIP CODE/CITY:

01301-909 - SÃO PAULO/SP

 

 

PHONE:

11 3150-8500

FAX:

11 3150-8866

E-MAIL:

james.nunes@pernambucanas.com.br

WEB SITE:

www.pernambucanas.com.br

 

BRANCHES:

 

 

 

ADDRESS:

AVENIDA TAMBORE, 1000 B - TAMBORE

ZIP CODE/CITY:

06460-000 BARUERI/SP

 

 

ADDRESS:

EST DOS ALPES, 890 SETOR I - JARDIM BELVAL

ZIP CODE/CITY:

06.423-08 BARUERI/SP

CNPJ:

61.099.834/0217-83

 

 

ADDRESS:

RUA MORAES GORDO, 315 - CENTRO

ZIP CODE/CITY:

18650-000 SÃO MANUEL/SP

 

 

ADDRESS:

RODOVIA DEPUTADO LAERCIO CORTE, 4500 SP 147, EUCA GRAMINHA

ZIP CODE/CITY:

13482-902 LIMEIRA/SP

 

 

ADDRESS:

AVENIDA ANDROMEDA, 793 - JARDIM SATÉLITE

ZIP CODE/CITY:

12230-000 SÃO JOSE DPS CAMPOS/SP

 

 

ADDRESS:

RUA JACARANDÁ,148 N, 148/156 - NAÇÕES

ZIP CODE/CITY:

83823-014 FAZENDA RIO GRANDE/PR

 

THE COMPANY ALSO HAS 304 BRANCHES LOCATED THROUGHOUT THE FOLLOWING STATES AND 2 DISTRIBUTION CENTERS: SÃO PAULO, PARANÁ, MINAS GERAIS, SANTA CATARINA, MATO GROSSO, MATO GROSSO DO SUL AND GOIÁS.

 

 

LEGAL DATA

 

MAIN ACTIVITIES:

 

RETAIL CHAIN STORE.

 

LEGAL FORM:

PRIVATELY HELD CORPORATION

 

 

INCORPORATION DATE:

10/04/1912

REGISTER DATE:

10/04/1912

BALANCE SHEET FILING DATE:

31/12

TAX CONTRIBUTOR NUMBER(CNPJ):

61.099.834/0001-90

STATE REGISTER:

100.705.469.119

 

 

SHARE CAPITAL:

R$ 410.000.000,00

LAST REGISTER OF CAPITAL:

10/07/2014

 

BOARD OF DIRECTORS:

 

 

 

MARTIN MITTELDORF

PRESIDENT DIRECTOR

ANITA LOUISE REGINA HARLEY

VICE-PRESIDENT DIRECTOR

MARCELO DOLL MARTINELLI

SUPERVISING DIRECTOR

MARIO AUGUSTO MANTOVANI

EXECUTIVE DIRECTOR

JOSÉ LUIZ DA CUNHA

EXECUTIVE DIRECTOR

ALBERTO KOHN DE PENHAS

EXECUTIVE DIRECTOR

DINA SATIE MATSUMOTO

EXECUTIVE DIRECTOR

 

 

AUTHORIZED USE OF SIGNATURE

 

THE DIRECTORS ARE AUTHORIZED TO SIGN ON BEHALF OF THE COMPANY.

 

SHAREHOLDERS / PARTNERS:

 

 

 

NOVA PIRAJUÍ ADMINISTRAÇÃO S/A

49,981%

ALPHALUND COMPANHIA DE PARTICIPAÇÕES E INVESTIMENTOS

16,667%

TABÚ PARTICIPAÇÕES E INVESTIMENTOS S/A

16,667%

RUMISA S/A

16,666%

ZODIAC EMPREENDIMENTOS E PARTICIPAÇÃO LTDA

0,019%

 

AFFILIATES / SUBSIDIARIES:

 

 

 

PERNAMBUCANAS FINANCIADORA S/A. CRED. FIN INV

100,00%

HOTEL JATIÚCA S/A

99,47%

JATIÚCA ADMINISTRADORA E SERVIÇOS LTDA

 

MURICY SOCIEDADE COMERCIAL LTDA

 

LUNDSERV ADM DE CARTÕES DE CRÉDITO E SERVIÇOS GERAIS S/C LTDA

 

TROPICANA DE HOTÉIS E TURISMO S/A

 

 

 

COMPANY'S BACKGROUND

 

THE SUBJECT FIRM WAS ESTABLISHED ON APRIL 10, 1912 UNDER THE NAME STYLE A.H. LUNDGREN & CO., AS RECORDED IN THE SAO PAULO BUSINESS BUREAU UNDER NO. 9.767.

 

ON APRIL 30, 1921, THE FIRM CHANGED ITS NAME TO ARTHUR LUNDGREN & CIA LTDA., AND FINALLY, ON MAY 10, 1949 THE FIRM ACQUIRED ITS PRESENT NAME, REGISTERED UNDER NO. 41.929.

 

THE FIRM ENGAGES IN THE OPERATION OF A CHAIN OF 238 RETAIL STORES LOCATED IN THE MAJOR COMMERCIAL AREAS THROUGHOUT BRAZIL.

 

TRADE NAME: CASAS PERNAMBUCANAS.

 

DIRECTORS:

 

MARTIN MITTELDORF, BRAZILIAN, HOLDER OF DOCUMENTS CPF: 089.849.378-19, RG/RNE: 96179168, RESIDENTIAL ADDRESS AT RUA DA CONSOLACAO, 2411, 6

ANDAR, CONSOLACAO, SAO PAULO - SP, ZIP CODE 01301-100

 

MARCELO DOLL MARTINELLI, BRAZILIAN, HOLDER OF DOCUMENTS CPF: 073.246.218-56, RG/RNE: 139659365, RESIDENTIAL ADDRESS AT RUA DA CONSOLACAO, 2411, 8 A, CONSOLACAO, SAO PAULO - SP, ZIP CODE 01301-909

 

ANITA LOUISE REGINA HARLEY, BRAZILIAN, HOLDER OF DOCUMENTS CPF: 055.196.674-20, RG/RNE: 728144, RESIDENTIAL ADDRESS AT RUA DA CONSOLACAO, 2411, 6 ANDAR, CONSOLACAO, SAO PAULO - SP, ZIP CODE 01301-100,

 

ALBERTO KOHN DE PENHAS, BRAZILIAN, HOLDER OF DOCUMENTS CPF: 023.462.357-84, RG/RNE: 081265662, RESIDENTIAL ADDRESS AT RUA DA CONSOLACAO, 2411, 6 ANDAR, CONSOLACAO, SAO PAULO - SP, ZIP CODE 01301-100

 

DINA SATIE MATSUMOTO, BRAZILIAN, HOLDER OF DOCUMENTS CPF: 038.502.118-60, RG/RNE: 138983483, RESIDENTIAL ADDRESS AT RUA DA CONSOLACAO, 2411, 6 ANDAR, CONSOLACAO, SAO PAULO - SP, ZIP CODE 01301-100

 

JOSE LUIZ DA SILVA CUNHA, BRAZILIAN, HOLDER OF DOCUMENTS CPF: 491.675.887-00, RG/RNE: 263950451, RESIDENTIAL ADDRESS AT RUA DA CONSOLACAO, 2411, 6 ANDAR, CONSOLACAO, SAO PAULO - SP, ZIP CODE 01301-100

 

MARIO AUGUSTO MANTOVANI, BRAZILIAN, HOLDER OF DOCUMENTS CPF: 035.539.648-39, RG/RNE: 138888516, RESIDENTIAL ADDRESS AT RUA DA CONSOLACAO, 2411, 6 ANDAR, CONSOLACAO, SAO PAULO - SP, ZIP CODE 01301-100

 

FURTHER DETAILS ARE SO FAR NOT KNOWN.

 

PUBLIC INFORMATION:

 

LAWSUITS:

 

 

 

DATE:

COURT OF LAW:

 

5

MUNICIPAL LAWSUITS

19/12/14

2ª VARA DE SP-PIEDADE

2

FEDERAL LAWSUITS

20/05/13

2ª VARA DE MG-ARAGUARI

28

STATE LAWSUITS

29/10/14

1ª VARA DE MG-BELO HORZIONTE

1

EXECUTIVE LAWSUIT

06/08/14

4ª VARA DE SP-SÃO JOSÉ DO RIO PRETO

 

 

FINANCIAL INFORMATION

 

GENERAL BALANCE SHEETS AS OF 31/12/2014, 31/12/2013 AND 31/12/2012.

( FIGURES ARE IN THOUSANDS OF REAIS ).

 

ASSETS

 

 

 

CURRENT:

31/12/2014

31/12/2013

31/12/2012

 

 

 

 

CASH AND BANKS

311.802

579.733

508.091

CLIENTS

574.796

669.100

712.549

INVENTORY

542.740

599.723

510.400

INTERCOMPANY CREDITS

376.037

154.862

70.876

RECOVERABLE TAXES

95.693

95.916

103.734

DERIVATIVES OPERATIONS

17.368

110.479

15.655

OTHER CREDITS

102.711

76.083

57.588

 

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

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

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

TOTAL CURRENT ASSETS

2.021.147

2.285.896

1.978.893

 

LONG-TERM RECEIVABLES:

 

 

 

 

 

 

 

INTERCOMPANY CREDITS

1.413

1.342

1.292

RECOVERABLE TAXES

7.892

9.772

9.141

DERIVATIVES OPERATIONS

39.120

16.177

57.995

DEFERRED TAXES

127.511

100.935

70.892

JUDICIAL DEPOSITS

43.590

36.360

21.939

OTHER CREDITS

2.121

90

90

 

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

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

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

TOTAL LONG-TERM RECEIVABLES

221.647

164.676

161.349

 

FIXED ASSETS:

 

 

 

 

 

 

 

INVESTMENTS

574.781

536.632

402.363

FIXED ASSETS

625.690

529.932

462.488

INTANGIBLE

130.457

104.031

82.106

 

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

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

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

TOTAL FIXED ASSETS

1.330.928

1.170.595

946.957

 

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

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

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

TOTAL ASSETS

3.573.722

3.621.167

3.087.199

 

LIABILITIES:

 

 

 

CURRENT:

31/12/2014

31/12/2013

31/12/2012

 

 

 

 

SUPPLIERS

882.566

856.731

837.797

LOANS AND FINANCING

565.968

858.844

406.951

LABOR OBLIGATIONS

86.687

129.090

136.846

TRIBUTARY OBLIGATIONS

78.485

86.206

74.057

DEBT WITH RELATED PARTIES

41.561

42.321

37.941

DIVIDENDS

40.425

38.379

40.541

INCOME TAX/SOCIAL CONTRIBUTION

 

 

4.056

OTHER DEBTS

130.300

93.920

96.551

 

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

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

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

TOTAL CURRENT LIABILITIES

1.825.992

2.105.491

1.634.740

 

LONG TERM LIABILITIES:

 

 

 

 

 

 

 

SUPPLIERS

879

 

 

RELATED COMPANIES

2.830

2.690

2.589

TRIBUTARY OBLIGATIONS

 

 

3.384

PROV./LOSSES IN INVESTMENTS

10.188

106

116

LOANS AND FINANCING

715.041

602.008

613.649

PROVISION FOR CONTINGENCIES

36.927

35.032

41.652

OTHER

36.694

36.831

50.817

 

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

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

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

TOTAL LONG TERM LIABILITIES

802.559

676.667

712.207

 

NET EQUITY:

 

 

 

 

 

 

 

SHARE CAPITAL

410.000

360.000

306.000

PROFIT RESERVES

535.171

479.009

434.252

 

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

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

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

TOTAL NET EQUITY

945.171

839.009

740.252

 

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

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

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

TOTAL LIABILITIES

3.573.722

3.621.167

3.087.199

 

 

PROFIT AND LOSS ACCOUNTS AS OF 31/12/2014, 31/12/2013 AND 31/12/2012.

( FIGURES ARE IN THOUSANDS OF REAIS ).

 

 

31/12/2014

31/12/2013

31/12/2012

 

 

 

 

GROSS SALES

 

 

4.587.087

(-) TAXES ON SALES

 

 

1.249.835

 

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

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

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

NET SALES

3.743.078

3.546.922

3.337.252

(-) COST OF SOLD GOODS

2.330.341

2.154.084

2.056.790

 

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

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

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

GROSS PROFIT

1.412.737

1.392.838

1.280.462

OPERATING REVENUE (EXPENSE)

-1.160.803

-1.126.243

-1.114.993

FINANCIAL REVENUE(EXPENSE)

-108.301

-74.937

15.099

 

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

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

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

OPERATIONAL PROFIT (LOSS)

143.633

191.658

180.568

CONTRIBUTION/INCOME TAX

26.575

-30.063

-9.870

 

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

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

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

NET PROFIT (LOSS)

170.208

161.595

170.698

 

RATIOS:

31/12/2014

31/12/2013

31/12/2012

 

QUICK RATIO

,81

 

,80

 

,90

 

CURRENT RATIO

1,11

 

1,09

 

1,21

 

ACCOUNTS RECEIVABLE TURNOVER

6,51

TIMES

5,30

TIMES

4,68

TIMES

DAYS' SALES IN RECEIVABLES

55,28

DAYS

67,91

DAYS

76,86

DAYS

INVENTORY TURNOVER

4,29

TIMES

3,59

TIMES

4,03

TIMES

ACCOUNTS PAYABLE PERIOD

136,34

DAYS

143,18

DAYS

146,64

DAYS

RETURN ON ASSETS

1,05

TIMES

,98

TIMES

1,08

TIMES

SALES TURNOVER ON NET EQUITY

3,96

TIMES

4,23

TIMES

4,51

TIMES

NET WORTH TIE-UP

,66

 

,63

 

,62

 

INDEBTEDNESS

2,78

 

3,32

 

3,17

 

EQUITY RATIO

26,45

%

23,17

%

23,98

%

WORKING CAPITAL RATIO

10,69

%

8,57

%

21,05

%

GENERAL SOLVENCY

1,36

 

1,30

 

1,32

 

RETURN ON NET EQUITY

18,01

%

19,26

%

23,06

%

RETURN ON SALES (PROFIT MARGIN)

4,55

%

4,56

%

5,11

%

GROSS PROFIT MARGIN

37,74

%

39,27

%

38,37

%

OPERATIONAL RESULT

3,84

%

5,40

%

5,41

%

SALES TURNOVER ON LIABILITIES

2,05

TIMES

1,68

TIMES

2,04

TIMES

FOREIGN CURRENCY ON ASSETS

 

 

 

 

 

 

FOREIGN CURRENCY ON LIABILITIES

 

 

 

 

 

 

 

EXCHANGE RATE:

 

 

US$ 1,00 = R$ 3,48

 - OFFICIAL RATE ON 18/08/2015

US$ 1,00 = R$ 2,65

 - OFFICIAL RATE ON 31/12/2014

US$ 1,00 = R$ 2,34

 - OFFICIAL RATE ON 31/12/2013

US$ 1,00 = R$ 2,04

 - OFFICIAL RATE ON 31/12/2012

 

COMMENTS ON THE FINANCIAL INFORMATION:

 

FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS.

 

THE FIGURES AVAILABLE SHOW A SATISFACTORY FINANCIAL STANDING. THE LEVEL OF INDEBTEDNESS IS HIGH AND MAINLY IS COMPRISED BY TRADE AND FINANCIAL DEBTS BUT IT IS NOTED ACCEPTABLE CURRENT RATIO AND POSITIVE WORKING CAPITAL, CONSIDERED ENOUGH TO COVER THE SHORT TERM LIABILITIES. IN ADDITION IT IS NOTED GROWING SALES AND PROFITABILITY.

 

THE COMPANY HAS VERY HIGH FINANCIAL POWER AND KEEPS ON OPERATING NORMALLY AND NO SIGNS OF FINANCIAL OR OPERATIONAL PROBLEMS ARE NOTED.

 

REAL ESTATE:

 

   OWNED PREMISES ARE VALUED AT R$ 160.221.000,00

 

VEHICLES:

 

OWNED VEHICLES ARE VALUED AT R$ 2.079.000,00

 

MACHINES:

 

OWNED MACHINES AND EQUIPMENTS ARE VALUED AT R$ 40.268.000,00

 

 

INSURANCE

 

ITS THE COMPANY POLICY TO CONTRACT INSURANCE COVERAGE FOR INVENTORY AND FIXED ASSETS ITEMS SUBEJCT TO RISKS. ON DECEMBER 31, 2014 THE GROUP HAD THE FOLLOWING INSURANCE COVERAGE:

 

COVERAGE:

PROPERTIES AND INVENTORY (FIRE, RAY, EXPLOSION, ELECTRIC DAMAGE, WINDSTORM AND SMOKE, LOSS OF INCOME).

VALUE:

R$ 266.310.000,00

 

 

COVERAGE:

ASSETS AND MERCHANDISES (INTERNATIONAL TRANSPORT – IMPORT)

VALUE:

R$ 36.739.000,00

 

 

BANKING REFERENCES

 

 

BRANCH/PHONE:

CITY:

BANCO ITAÚ S/A

CORPORATE

SÃO PAULO/SP

BANCO SANTANDER (BRASIL) S/A

CORPORATE

SÃO PAULO/SP

BANCO BRADESCO S/A

CORPORATE

SÃO PAULO/SP

BANCO SAFRA S/A

CORPORATE

SÃO PAULO/SP

HSBC BANK BRASIL S/A

CORPORATE

SÃO PAULO/SP

BANCO DO BRASIL S/A

EMPRESARIAL

SÃO PAULO/SP

BANCO CITIBANK S/A

CORPORATE

SÃO PAULO/SP

 

REMARKS: IN BRAZIL THE BANKS ARE PROHIBITED BY LAW TO PROVIDE INFORMATION OR ANY KIND OF COMMENTS ABOUT THEIR CLIENTS. DUE TO THIS LAW PROHIBITION WE ARE UNABLE TO PROVIDE ANY BANKING DETAILS.

 

ACCORDING TO THE CENTRAL BANK OF BRAZIL OFFICIAL REPORT, THE COMPANY HAS NO RETURNED CHECKS UP TO DATE. (IN THE TERMS OF "CIRCULAR 1682 BRAZILIAN CENTRAL BANK").

 

 

ACTIVITIES COMMENTS

 

SUBJECT IS ENGAGED IN THE RETAIL CHAIN STORE.

 

 

IMPORT AND EXPORT:

 

   IMPORTS FROM:

BELGIUM, KOREA, CHINA, COLOMBIA, PAKISTAN, USA, ARGENTINA AND URUGUAY.

 

   EXPORTS TO:

DOES NOT EXPORT.

 

MAIN CLIENTS:

 

 

 

 

 

DOMESTIC CLIENTS:

 

 

SUBJECT FIRM SELLS DIRECTLY TO END CONSUMERS

 

 

 

STAFF:

 

THE COMPANY HAS: 15870 EMPLOYEE(S)

 

 

CONCEPT AND FULFILMENT

 

THE SUBJECT IS A WELL AND OLD-ESTABLISHED COMPANY, OPERATING SINCE 1912. SO FAR IT HAS A CLEAR TRADE HISTORY AND GOOD PAYMENT BEHAVIOR.

 

THE COMPANY HAS TRADE RELATIONS WITH SEVERAL SUPPLIERS IN BRAZIL. THE SUPPLIERS EXTEND CREDIT FACILITIES TO THE SUBJECT IN TERMS AND AMOUNTS ACCORDING TO THE COMPANY'S NEEDS AND SO FAR NO PAYMENT PROBLEMS ARE NOTED.

 

THE LAWSUITS REPORTED ARE NOT RELATED WITH TRADE DEBTS. THEY ARE RELATED TO TAX DEBTS THAT FOR ANY REASON THE COMPANY HAS NOT YET PAID. USUALLY THIS KIND OF SUITS DO NOT AFFECT THE COMPANY REPUTATION BUT IN THE SUBJECT SPECIFIC CASE IT IS NOT POSSIBLE TO EVALUATE AS THERE ARE SEVERAL SUITS REGISTERED AND NO DETAILS REGARDING THE AMOUNTS INVOLVED ARE AVAILABLE FOR PUBLIC INSPECTION.

 

MAIN SUPPLIERS:

 

 

 

 

 

DOMESTIC SUPPLIERS:

CITY:

PHONE:

BRASTEMP DA AMAZÔNIA S/A

BARUERI/SP

11 4689-8300

CORTIEX INDÚSTRIA TÊXTIL LTDA

TRÊS LAGOAS/MS

67  521-0649

COTEMINAS CIA DE TECIDO NORTE DE MINAS

SÃO PAULO/SP

11 2145-4508

DEGRADE CONFECÇÕES PORTO FELIZ LTDA

PORTO FELIZ/SP

15 3262-4483

ELECTROLUX DO BRASIL S/A

SÃO PAULO/SP

11 3967-5454

GUARARAPES CONFECÇÕES S/A

NATAL/RN

84  227-2266

KARSTEN S/A

SÃO PAULO/SP

11 3078-1151

LG ELECTRONICS DA AMAZONIA LTDA

SÃO PAULO/SP

11 2162-5596

MC MALHAS LTDA

GASPAR/SC

47 3397-0203

PANASONIC DA AMAZÔNIA S/A

MANAUS/AM

92  614-5000

SAMDOLAR MODAS LTDA

SÃO PAULO/SP

11 3326-4910

TÊXTIL J. SERRANO LTDA

SÃO PAULO/SP

11 4158-8100

WHIRLPOOL S/A

SÃO PAULO/SP

11 3787-6164

 

PAYMENT HISTORY:

 

41 SUPPLIERS REPORTED PAYMENTS:

   TOTAL AMOUNT:  R$ 67.041.977,00

 

AMOUNT OF INVOICES PAID: 2375

TOTAL OF PROMPT PAYMENTS: 92%

TOTAL OF DELAYED PAYMENTS: 8%

 

HIGHEST INVOICE: R$ 1.133.614,00

HIGHEST CREDIT: R$ 1.133.614,00

 

OUTSTANDING INVOICES DUE WITHIN THE NEXT 91 DAYS:

 

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

SUPPLIERS:

INVOICES:

TOTAL AMOUNT:

DUE WITHIN 30 DAYS

7

119

R$ 1.263.124,52

DUE WITHIN 60 DAYS

7

72

R$ 2.120.257,16

DUE WITHIN 90 DAYS

5

150

R$ 1.791.262,85

DUE WITHIN 91 DAYS

2

12

R$ 212.588,70

ALL

10

353

R$ 5.387.233,23

 

 

FINAL OPINION

 

THE SUBJECT IS A WELL-ESTABLISHED COMPANY IN BUSINESS SINCE 1985. IT HAS AN EXCELLENT TRADE REPUTATION AND A GROWING SCALE OF ACTIVITIES.

 

BASED ON THE OVERALL INFORMATION AVAILABLE IT IS BELIEVED THAT GOOD TRADE RELATIONS MAY BE ESTABLISHED. CREDIT FACILITIES MAY BE EXTENDED WITHIN TERMS AND AMOUNTS ADEQUATE TO THE COMPANY'S SIZE AND FINANCIAL STRENGTH.

 

AN INITIAL CREDIT LIMIT OF US$ 5.000.000,00 MAY BE CONSIDERED. EVEN HIGHER AMOUNTS CAN BE GRANTED DEPENDING ON THE IMPORTANCE OF THE ACTIVITIES BEING ESTABLISHED WITH THE SUBJECT.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.25

UK Pound

1

Rs.102.25

Euro

1

Rs.72.20

 

 

 

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAS

 

 

Report Prepared by :

NIT

 

 

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

 

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NB

New Business

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This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.