MIRA INFORM REPORT

 

 

Report No. :

338289

Report Date :

22.08.2015

 

IDENTIFICATION DETAILS

 

Name :

AÇO CEARENSE INDUSTRIAL LTDA

 

 

Registered Office :

Rodovia Antiga Br 222, S/Nº, KM,19 – Genipabú, 61616-000 - Caucaia/CE

 

 

Country :

Brazil

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

13.11.1996

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Subject is engaged in the Casting Iron and Steel.

 

 

No. of Employees :

2423

 

 

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)

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

 

AÇO CEARENSE INDUSTRIAL LTDA

 

 

ADDRESSES

 

MAIN ADDRESS:

RODOVIA ANTIGA BR 222, S/Nº, KM,19 - GENIPABÚ

ZIP CODE/CITY:

61616-000 - CAUCAIA/CE

 

 

PHONE:

85 4011-2173

E-MAIL:

claudio@acocearense.com.br

WEB SITE:

www.acocearense.com.br

 

BRANCHES:

 

 

 

ADDRESS:

RUA ANTONIO POMPEU,1900 - OTAVIO BONFIM

ZIP CODE/CITY:

60040-001 FORTALEZA/CE

PHONE:

85 4011-1333

FAX:

85 4011-1333

 

 

ADDRESS:

RODOVIA BR 222 - S/Nº. - KM,21

ZIP CODE/CITY:

61600-000 CAUCAIA/CE

 

 

LEGAL DATA

 

MAIN ACTIVITIES:

 

CASTING IRON AND STEEL.

 

LEGAL FORM:

LIMITED LIABILITY COMPANY

 

 

INCORPORATION DATE:

13/11/1996

REGISTER DATE:

09/01/1996

BALANCE SHEET FILING DATE:

31/12

TAX CONTRIBUTOR NUMBER(CNPJ):

00.990.842/0001-38

STATE REGISTER:

06.965086-1

 

 

SHARE CAPITAL:

R$ 223.640.000,00

LAST REGISTER OF CAPITAL:

29/12/2008

 

BOARD OF DIRECTORS:

 

 

 

MARIA ROSEMEIRE MATOS FERREIRA

MANAGER

WANDER JEAN MATOS FERREIRA

MANAGER

ROSE ALINE MATOS FERREIRA DE FREITAS GUIMARÃES

MANAGER

JOSE VILMAR FERREIRA

MANAGER

 

 

AUTHORIZED USE OF SIGNATURE

 

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

 

SHAREHOLDERS / PARTNERS:

 

 

 

WMA PARTICIPAÇÕES S/A

R$ 223.617.635,28

JOSE VILMAR FERREIRA

R$ 22.364,72

 

AFFILIATES / SUBSIDIARIES:

 

A SCAN THROUGH OUTSIDE SOURCES SHOWED THE SUBJECT AND/OR DIRECTORS HAS/HAVE THE FOLLOWING UNCONFIRMED HOLDINGS:

 

SIMARA PARTICIPACOES E EMPREENDIMENTOS LTDA

 

SIDERURGICA NORTE BRASIL S.A.

 

SINOBRAS FLORESTAL LTDA.

 

INSTITUTO ACO CEARENSE

 

W STEEL INDUSTRIA E COMERCIO LTDA

 

W STEEL SERVICOS LTDA

 

ACO BOM PRECO COMERCIAL LTDA

 

ACO CEARENSE COMERCIAL LTDA

 

 

 

COMPANY'S BACKGROUND

 

THE SUBJECT WAS ESTABLISHED IN 1996 TO BE ENGAGED IN THE SAID LINE OF BUSINESS AND SO FAR IT OPERATES WITHIN THE GENERAL SCENE REPORTED HEREIN.

 

SINCE THE INCORPORATION NO IMPORTANT CHANGES IN THE SUBJECT'S CORPORATE STRUCTURE ARE NOTED.

 

CERTIFICATIONS:

 

NBR 7480

NBR ISO9001:2000

 

PARTNERS:

 

AÇO CEARENSE COMERCIAL LTDA: REGISTRATION # NIRE 23200279890, CNPJ 07.557.333/0001-65, HEADQUARTERED AT RUA ANTONIO POMPEU, 1900, OTAVIO BONFIM, ZIP CODE 60040-001, FORTALEZA/CE;

 

JOSÉ VILMAR FERREIRA: BRAZILIAN, HOLDER OF DOCUMENTS CPF 031.150.543-00, RG 2007.002.056.443 SSP/CE, RESIDENTIAL ADDRESS AT AV. BEIRA MAR 2020, PATO 2300, ZIP CODE 60165-120, FORTALEZA/CE;

 

MANAGERS:

 

JOSÉ VILMAR FERREIRA: BRAZILIAN, HOLDER OF DOCUMENTS CPF 031.150.543-00, RG 2007.002.056.443 SSP/CE, RESIDENTIAL ADDRESS AT AV. BEIRA MAR 2020, PATO 2300, ZIP CODE 60165-120, FORTALEZA/CE;

 

MARIA ROSEMEIRE MATOS FERREIRA: BRAZILIAN, HOLDER OF DOCUMENTS CPF 272.901.743-72, RG 90.002.015.710 SSP/CE, RESIDENTIAL ADDRESS AT AVENIDA BEIRA MAR, 3500, APTO. 600, MUCURIPE, ZIP CODE 60125-121, FORTALEZA/CE;

 

WANDER JEAN MATOS FERREIRA: BRAZILIAN, HOLDER OF DOCUMENTS CPF 734.453.393-68, RG 92.002.32.5626 SSP/CE, RESIDENTIAL ADDRESS AT AVENIDA BEIRA MAR, 3500, APTO. 600, MUCURIPE, ZIP CODE 60125-121, FORTALEZA/CE;

 

ROSE ALINE MATOS FERREIRA DE FREITAS GUIMARÃES: BRAZILIAN, HOLDER OF DOCUMENTS CPF 622.484.803-34, RG 93.002.002.027 SSP/CE, RESIDENTIAL ADDRESS AT AVENIDA BEIRA MAR, 3500, APTO. 600, MUCURIPE, ZIP CODE 60125-121, FORTALEZA/CE.

 

FURTHER DETAILS ABOUT THE SUBJECT'S HISTORY ARE SO FAR NOT KNOWN.

 

PUBLIC INFORMATION:

 

NO DETRIMENTAL FILES WERE FOUND.

 

 

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 CASH EQUIVALENTS

116.170

152.680

17.110

CLIENTS

157.290

193.151

201.881

RECOVERABLE TAXES

15.279

16.397

23.866

INVENTORY

399.120

379.810

305.905

INVESTMENTS

32.452

43.818

87.941

PRE PAID EXPENSES

9.206

5.815

6.061

OTHER CREDITS

85.079

66.087

4

DERIVATIVES OPERATIONS

28.616

14.670

 

 

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

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

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

TOTAL CURRENT ASSETS

843.212

872.428

642.768

 

LONG-TERM RECEIVABLES:

 

 

 

 

 

 

 

INTERCOMPANY CREDITS

465.495

476.017

124.191

DEFERRED TAXES

66.792

74.248

74.248

RECOVERABLE TAXES

312

312

582

JUDICIAL DEPOSITS

2.396

2.250

2.199

 

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

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

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

TOTAL LONG-TERM RECEIVABLES

534.995

552.827

201.220

 

FIXED ASSETS:

 

 

 

 

 

 

 

INVESTMENTS

116.796

107.571

517.559

FIXED ASSETS

146.712

143.154

115.213

INTANGIBLE

18.218

16.723

4.515

 

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

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

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

TOTAL FIXED ASSETS

281.726

267.448

637.287

 

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

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

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

TOTAL ASSETS

1.659.933

1.692.703

1.481.275

 

LIABILITIES:

 

 

 

CURRENT:

31/12/2014

31/12/2013

31/12/2012

 

 

 

 

SUPPLIERS

120.594

224.214

234.292

LOANS AND FINANCING

704.303

472.935

240.541

TAXES & CONTRIBUTIONS

8.668

11.253

5.131

ADVANCE FROM CLIENTS

14.429

7.598

3.717

SUBVENTIONS

7.816

7.930

7.658

OTHER DEBTS

15.943

8.764

 

DERIVATIVES OPERATIONS

9.086

3.163

 

 

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

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

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

TOTAL CURRENT LIABILITIES

880.839

735.857

491.339

 

LONG TERM LIABILITIES:

 

 

 

 

 

 

 

RELATED COMPANIES

3

74

16.246

LOANS AND FINANCING

277.056

348.150

352.304

TAXES AND CONTRIBUTIONS

1.251

5.718

6.821

SUPPLIERS

75.541

66.623

58.868

PROVISION FOR CONTINGENCIES

79

283

650

OTHER

8.221

15.758

17.502

 

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

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

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

TOTAL LONG TERM LIABILITIES

362.151

436.606

452.391

 

NET EQUITY:

 

 

 

 

 

 

 

SHARE CAPITAL

223.640

223.640

223.640

PROFIT RESERVES

278.829

278.829

278.829

OTHER COMPREHENSIVE INCOME

10.178

30.604

35.076

ACCRUED PROFIT (LOSS)

-95.704

-12.832

 

 

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

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

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

TOTAL NET EQUITY

416.943

520.241

537.545

 

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

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

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

TOTAL LIABILITIES

1.659.933

1.692.704

1.481.275

 

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

 

 

 

 

NET SALES

1.131.877

1.122.060

826.581

(-) COST OF SOLD GOODS

894.997

889.024

705.113

 

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

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

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

GROSS PROFIT

236.880

233.036

121.468

OPERATING REVENUE (EXPENSE)

-153.885

-66.385

12.764

FINANCIAL REVENUE(EXPENSE)

-187.108

-172.243

-108.902

 

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

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

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

OPERATIONAL PROFIT (LOSS)

-104.113

-5.592

25.330

CONTRIBUTION/INCOME TAX

 

 

52.189

 

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

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

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

NET PROFIT (LOSS)

-104.113

-5.592

77.519

 

MONTHLY SALES

 

  2015

 

 

 

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

 

 

JANUARY

R$ 114.829.853,82

 

 

FEBRUARY

R$ 92.117.445,43

 

 

MARCH

R$ 121.318.798,43

 

 

APRIL

R$ 117.532.800,57

 

 

MAY

R$ 134.093.069,34

 

 

JUNE

 

 

 

JULY

 

 

 

AUGUST

 

 

 

SEPTEMBER

 

 

 

OCTOBER

 

 

 

NOVEMBER

 

 

 

DECEMBER

 

 

 

TOTAL

R$ 579.891.967,59

 

 

 

RATIOS:

31/12/2014

31/12/2013

31/12/2012

 

QUICK RATIO

,50

 

,67

 

,69

 

CURRENT RATIO

,96

 

1,19

 

1,31

 

ACCOUNTS RECEIVABLE TURNOVER

7,20

TIMES

5,81

TIMES

4,09

TIMES

DAYS' SALES IN RECEIVABLES

50,03

DAYS

61,97

DAYS

87,93

DAYS

INVENTORY TURNOVER

2,24

TIMES

2,34

TIMES

2,31

TIMES

ACCOUNTS PAYABLE PERIOD

48,51

DAYS

90,79

DAYS

119,62

DAYS

RETURN ON ASSETS

,68

TIMES

,66

TIMES

,56

TIMES

SALES TURNOVER ON NET EQUITY

2,71

TIMES

2,16

TIMES

1,54

TIMES

NET WORTH TIE-UP

,35

 

,28

 

,21

 

INDEBTEDNESS

2,98

 

2,25

 

1,76

 

EQUITY RATIO

25,12

%

30,73

%

36,29

%

WORKING CAPITAL RATIO

-4,27

%

18,56

%

30,82

%

GENERAL SOLVENCY

1,34

 

1,44

 

1,57

 

RETURN ON NET EQUITY

-24,97

%

-1,07

%

14,42

%

RETURN ON SALES (PROFIT MARGIN)

-9,20

%

-,50

%

9,38

%

GROSS PROFIT MARGIN

20,93

%

20,77

%

14,70

%

OPERATIONAL RESULT

-9,20

%

-,50

%

3,06

%

SALES TURNOVER ON LIABILITIES

1,29

TIMES

1,52

TIMES

1,68

TIMES

FOREIGN CURRENCY ON ASSETS

 

 

 

 

 

 

FOREIGN CURRENCY ON LIABILITIES

 

 

 

 

 

 

 

EXCHANGE RATE:

 

 

US$ 1,00 = R$ 3,48

 - OFFICIAL RATE ON 21/08/2015

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 ANNUAL FIGURES SHOWS AN UNFAVORABLE FINANCIAL STANDING. THE LEVEL OF INDEBTEDNESS IS VERY HIGH AND IT HAD LOW CURRENT RATIO. FURTHER, IT SHOWS DROP IN SALES AND POSTED NEGATIVE RESULTS DUE TO ITS HIGH FINANCIAL EXPENSES.

 

REAL ESTATE:

 

OWNED PREMISES ARE VALUED AT R$ 8.514.729,93

 

VEHICLES:

 

OWNED VEHICLES ARE VALUED AT R$ 3.055.852,55

 

MACHINES:

 

OWNED MACHINES AND EQUIPMENTS ARE VALUED AT R$ 33.535.067,54

 

 

INSURANCE

 

THE SUBJECT HOLDS INSURANCE POLICIES FROM BANCO DO BRASIL COVERING A WIDE RANGE OF ASSETS AND OPERATIONAL RISKS. COVERAGE AMOUNT WAS NOT DISCLOSED.

 

 

BANKING REFERENCES

 

 

BRANCH/PHONE:

CITY:

BANCO DO NORDESTE DO BRASIL S/A

CENTRO

FORTALEZA/CE

BANCO DO BRASIL S/A

85 3255-3265

FORTALEZA/CE

BIC - BANCO INDUSTRIAL COMERCIAL S/A

B. MENEZES

 

BANCO BMC S/A

FORTALEZA

FORTALEZA/CE

BANCO ITAÚ BBA S/A

71 3114-1505

SALVADOR/BA

BANCO SANTANDER (BRASIL) S/A

85 3488-2316

FORTALEZA/CE

CAIXA ECONÔMICA FEDERAL

85 3455-6911

FORTALEZA/CE

 

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 CASTING IRON AND STEEL.

 

IMPORT AND EXPORT:

 

   IMPORTS FROM:

ARGENTINA, SWITZERLAND, CHANNEL ISLANDS, NETHERLANDS ANTILLES, GERMANY, ENGLAND AND HOLLAND.

 

   EXPORTS TO:

NO EXPORT OPERATIONS WERE REPORTED.

 

MAIN CLIENTS:

 

 

 

 

 

DOMESTIC CLIENTS:

CITY:

PHONE:

AÇO CAMPINAS LTDA

CAMPINAS/SP

11 2101-8200

AÇO MARANHÃO

SÃO LUIS/MA

98 3216-1400

CANTEIRO DE OBRAS INDÚSTRIA E COMÉRCIO LTDA

 

 

COMERCIAL FERRO NORTE

 

 

CONSTRUTORA ESTRELA LTDA

 

 

CONSTRUTORA MOTA MACHADO LTDA

 

 

FERRAGENS PINHEIRO LTDA

BRASÍLIA/DF

61 3354-8181

INDÚSTRIA E COMÉRCIO DE MÓVEIS TUB & FORM LTDA

 

 

MERCADÃO DO FERRO

 

 

RWN INDÚSTRIA E COMÉRCIO LTDA

 

 

TECNOMECÂNICA ESMALTEC LTDA

 

 

TUBOART INDÚSTRIA E COMÉRCIO LTDA

 

 

UNIMETAS COMÉRCIO LTDA

 

 

 

STAFF:

 

THE COMPANY HAS: 2423 EMPLOYEE(S)

 

 

CONCEPT AND FULFILMENT

 

THE SUBJECT IS A WELL-ESTABLISHED COMPANY, OPERATING SINCE 1996. SO FAR IT OPERATES WITH A HIGH SCALE OF ACTIVITIES, A CLEAR HISTORY AND GOOD REPUTATION.

 

THE COMPANY HAS TRADE RELATIONS WITH SOME 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.

 

MAIN SUPPLIERS:

 

 

 

 

 

DOMESTIC SUPPLIERS:

CITY:

PHONE:

ARCELORMITTAL BRASIL S.A.

SERRA/ES

27 3348-1031

CIA SIDERÚRGICA NACIONAL - CSN

 

21 3586-1500

CIA SIDERÚRGICA PAULISTA - COSIPA

 

11 5070-8808

DIVIMEC TECNOLOGIA INDUSTRIAL

 

51 3662-3222

FORTCOLOR TINTAS VERNIZES LTDA.

 

 

HIDROTINTAS IND. COMERCIO DE TINTAS LTDA.

 

 

HYUNDAI DO BRASIL

 

11 3033-5784

OURO PRETO COM. FERRO AÇO LTDA

 

 

TRAMONTINA NORTE S/A.

 

 

TRAMONTINA SUDESTE S/A

 

 

ZIKELI INDÚSTRIA MECÂNICA LTDA

 

47 3367-2255

 

FOREIGN SUPPLIERS:

COUNTRY:

 

BALLI STEEL PLC

ENGLAND

 

COUTINHO FERROSTAL GMBH

GERMANY

55 11 5667-3339

DUFERCO INVESTMENT SERVICES S/A

SWITZERLAND

 

DUFERCO S/A

SWITZERLAND

55 11 3079-7906

MIDLAND INDUSTRIES LIMITED

CHANNEL ISLANDS

 

NOVASTEL AG

SWITZERLAND

 

SIDERAR - S.A.I.C

ARGENTINA

 

TYSTEN SUDAMERICA N.V

NETHERLANDS ANTILLES

 

 

PAYMENT HISTORY:

 

19 SUPPLIERS REPORTED PAYMENTS:

   TOTAL AMOUNT:  R$ 476.731,00

 

AMOUNT OF INVOICES PAID: 71

TOTAL OF PROMPT PAYMENTS: 100%

HIGHEST INVOICE: R$ 77.000,00

HIGHEST CREDIT: R$ 77.000,00

 

 

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

SUPPLIERS:

INVOICES:

TOTAL AMOUNT:

DUE WITHIN 30 DAYS

1

1

R$ 386,00

 

 

FINAL OPINION

 

THE SUBJECT HAS BEEN IN BUSINESS SINCE 1996. UP TO DATE IT HAS A CLEAR HISTORY AND NO PAYMENT PROBLEMS ARE NOTED WHAT SHOWS THAT TRADE RELATIONS SHOULD BE CONSIDERED.

 

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

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.83

UK Pound

1

Rs.103.39

Euro

1

Rs.74.27

 

 

 

 

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

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

 

--

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.