MIRA INFORM REPORT

Report No. :	337783
Report Date :	27.08.2015

IDENTIFICATION DETAILS

Name :	MICROSOFT MOBILE OY
Registered Office :	Keilalahdentie 2-4, 02150, Espoo
Country :	Finland
Date of Incorporation :	21.11.2013
Legal Form :	Limited company
Line of Business :	Subject is engaged in computer programming activities.
No. of Employee :	Not Available

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 :	Moderate
Payment Behaviour :	Unknown
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)
Finland	A2	A2

Risk Category	ECGC Classification
Insignificant	A1
Low	A2
Moderate	B1
High	B2
Very High	C1
Restricted	C2
Off-credit	D

FINLAND - ECONOMIC OVERVIEW

Finland has a highly industrialized, largely free-market economy with per capita output almost as high as that of Austria, Belgium, the Netherlands, or Sweden. Trade is important, with exports accounting for over one-third of GDP in recent years. Finland is historically competitive in manufacturing - principally the wood, metals, engineering, telecommunications, and electronics industries. Finland excels in export of technology for mobile phones as well as promotion of startups in the ICT, gaming, cleantech, and biotechnology sectors. Except for timber and several minerals, Finland depends on imports of raw materials, energy, and some components for manufactured goods. Because of the climate, agricultural development is limited to maintaining self-sufficiency in basic products. Forestry, an important export earner, provides a secondary occupation for the rural population. Finland had been one of the best performing economies within the EU before 2009 and its banks and financial markets avoided the worst of global financial crisis. However, the world slowdown hit exports and domestic demand hard in that year, with Finland experiencing one of the deepest contractions in the euro zone. A recovery of exports, domestic trade, and household consumption stimulated economic growth in 2010-12, however, continued recession within the EU dampened the economy in 2012-14. The recession affected general government finances and the debt ratio, turning previously strong budget surpluses into deficits, losing its coveted triple-A credit rating, and on pace to breach EU debt limits in 2015. Finland's main challenge will be to stimulate growth while faced with weak export demand in the EU and its own government austerity measures. Longer-term, Finland must address a rapidly aging population and decreasing productivity in traditional industries that threaten competitiveness, fiscal sustainability, and economic growth. The depreciating ruble will retard exports to Russia.

Source : CIA

Company name

MICROSOFT MOBILE OY

Identification Details

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Trading Name		Trade Registry Number
Company Name	Microsoft Mobile Oy	Business ID	25836605
Previous Name	-
Telephone Number	-	Registered Address	Keilalahdentie 2-4, 02150, ESPOO
Fax Number	-	Visiting Address
Home Municipality	-	Postal Address	-, -, -
Incorporation Date	21.11.2013	Branches
Company Type	Limited company	Website Address
Primary Sic Code	62010	Accountant	Deloitte Oy
Primary Sic Description	Computer programming activities	Last Accounts Date	-
Share Capital (€)	2.500	Holding Company
Deals in importing	No	Foreign Ownership
Deals in exporting	No	Currency	EUR

Shareholder Information

Total Value of Shares	2.500
Number of Shares	2.500
Value of Shares

Registrations in Force

	State	Registration Date
Tax Administration	Registered	25.11.2013
Trade Register	Registered	21.11.2013
Employer Register	Registered	15.02.2014
Prepayment Register	Registered	15.02.2014
Value Added Tax-Liability	VAT-liable for business activity	15.02.2014

Payment Delays

Current Directors

Name	Orndorff Benjamin Owen
Date of Birth	07.09.1971	Appointment Date	08.07.2014
Nationality	UNITED STATES	Function	Actual Member of Board

Name	Dolliver Keith Ranger
Date of Birth	12.01.1963	Appointment Date	08.07.2014
Nationality	UNITED STATES	Function	Actual Member of Board

Name	Mäkelä Susanna Irmeli
Date of Birth	16.10.1970	Appointment Date	08.07.2014
Nationality	FINLAND	Function	Chairman of Board

Other Company Officials

Name	Taina Jari Markus
Date of Birth	25.11.1971	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Steele Samantha Carrick
Date of Birth	07.01.1964	Appointment Date	03.08.2015
Nationality	UNITED KINGDOM	Function	Procurist

Name	Steele Samantha Carrick
Date of Birth	07.01.1964	Appointment Date	03.08.2015
Nationality	GREAT BRITAIN	Function	Procurist

Name	Stark-Riihiaho Deborah Lynne
Date of Birth	08.06.1958	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Havia Liisa Marjatta
Date of Birth	27.07.1964	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Haavisto Petri Juhani
Date of Birth	26.06.1964	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Lund Hans Henrik
Date of Birth	23.04.1965	Appointment Date	03.08.2015
Nationality	DENMARK	Function	Procurist

Name	Lindström Tony Markus
Date of Birth	02.12.1971	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Leino Vesa-Matti Olavi
Date of Birth	14.10.1969	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Kurkilahti Juha Tapio
Date of Birth	25.03.1968	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Rajulin-Monto Kati Helena
Date of Birth	21.10.1966	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Raeymaekers Sven C. E.
Date of Birth	28.04.1977	Appointment Date	03.08.2015
Nationality	BELGIUM	Function	Procurist

Name	Alitalo Eero Markus
Date of Birth	10.09.1975	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Rönnemaa Anssi Jukka Jalmari
Date of Birth	28.12.1974	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Bräutigam Tobias Michael
Date of Birth	06.07.1975	Appointment Date	03.08.2015
Nationality	GERMANY	Function	Procurist

Name	Arttola Markku Sakari
Date of Birth	29.01.1966	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Pekkanen Päivi Johanna
Date of Birth	07.05.1983	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Lintula Simo Pekka Antero
Date of Birth	13.12.1975	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Aalto Jari Antero
Date of Birth	24.05.1967	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Ainasto Riikka-Leena
Date of Birth	14.11.1975	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Suutari Matti Kaarlo Antero
Date of Birth	05.06.1968	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Malinen Veli Matti Einari
Date of Birth	23.10.1964	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Laiho Jarkko Tapani
Date of Birth	23.06.1971	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Mattsson Hanna Elina
Date of Birth	24.06.1983	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Nilsson Kaj Johan Evert
Date of Birth	01.01.1977	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Ihalainen Timo Matti
Date of Birth	13.06.1968	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Ylinen Timo Juhani
Date of Birth	18.12.1962	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Mäki Jokke Juhana
Date of Birth	28.06.1974	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Saklani Mukul
Date of Birth	14.06.1971	Appointment Date	03.08.2015
Nationality	INDIA	Function	Procurist

Name	Perilä Niina Susanna
Date of Birth	10.01.1975	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Penttilä Tomi Jari Petteri
Date of Birth	26.02.1980	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Pentikäinen Riku Johannes
Date of Birth	10.03.1980	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Otis Laura Aino
Date of Birth	09.07.1970	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Ora Minna-Liisa Katariina
Date of Birth	01.08.1966	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Nummela Arto Kalevi
Date of Birth	22.04.1965	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Himberg Carita Kristiina
Date of Birth	19.10.1972	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Hiillos Riitta-Liisa
Date of Birth	16.12.1961	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Hellgren Matti Juhani
Date of Birth	30.03.1968	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Heinaro Veli Heikki
Date of Birth	15.02.1962	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Koljonen Jari Mark
Date of Birth	06.07.1971	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Kokkonen Juha Pekka
Date of Birth	03.01.1969	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Kishore Devinder
Date of Birth	20.02.1963	Appointment Date	03.08.2015
Nationality	INDIA	Function	Procurist

Name	Keskinen Tom Ivar
Date of Birth	19.07.1972	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Kulojärvi Kari Arvo
Date of Birth	21.12.1970	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Koskimäki Jarno Kristian
Date of Birth	18.06.1974	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Koponen Antti Johannes
Date of Birth	17.10.1974	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Topal Tiina Marika
Date of Birth	19.09.1973	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Taponen Teo Eerik
Date of Birth	30.01.1972	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Mäntylä Jari Heikki Juhani
Date of Birth	03.08.1969	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Mäkelä Susanna Irmeli
Date of Birth	16.10.1970	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Myrskog Markku Johannes
Date of Birth	25.04.1960	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Nevanlinna Jussi Kai Juhani
Date of Birth	18.02.1970	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Nevalainen Outi Anne Maria
Date of Birth	03.05.1968	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Mc Guiggan Timothy Mark
Date of Birth	12.02.1966	Appointment Date	03.08.2015
Nationality	UNITED STATES	Function	Procurist

Name	Sariola Susanna Irene
Date of Birth	10.04.1974	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Sakki Jarkko Juhani
Date of Birth	04.04.1967	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Wetterstrand Eeva Helena
Date of Birth	03.09.1976	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Jokinen Jarmo Juhani
Date of Birth	05.09.1957	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Hänninen Samuli
Date of Birth	09.01.1979	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Hämäläinen Vesa Markus Tapani
Date of Birth	06.11.1972	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Hämäläinen Jyrki Tapio
Date of Birth	04.11.1969	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Huovinen Risto Olavi
Date of Birth	19.04.1964	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Siitonen Lasse-Jaakko
Date of Birth	14.06.1967	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Donoghue Andrei Bryan Juhana
Date of Birth	27.09.1973	Appointment Date	03.08.2015
Nationality	UNITED KINGDOM	Function	Procurist

Name	Donoghue Andrei Bryan Juhana
Date of Birth	27.09.1973	Appointment Date	03.08.2015
Nationality	GREAT BRITAIN	Function	Procurist

Name	Ylä-Autio Marko Tapio
Date of Birth	13.05.1968	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Karttunen Mari Johanna
Date of Birth	08.12.1976	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Kantola Pia Maria
Date of Birth	16.02.1969	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Jokinen Minna-Riitta Tellervo
Date of Birth	01.10.1969	Appointment Date	03.08.2015
Nationality	FINLAND	Function	Procurist

Name	Itäniemi Merja Kristiina
Date of Birth	15.10.1963	Appointment Date	08.07.2014
Nationality	FINLAND	Function	Principal accountant

Group structure

No group structure

Linked Companies

No linked companies

FOREIGN EXCHANGE RATES

Currency	Unit	Indian Rupees
US Dollar	1	Rs.66.16
UK Pound	1	Rs.103.88
Euro	1	Rs.75.89

INFORMATION DETAILS

Analysis Done by :	RAS
Report Prepared by :	ASH

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%)

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