MIRA INFORM REPORT

 

 

Report No. :

351634

Report Date :

02.12.2015

 

IDENTIFICATION DETAILS

 

Name :

FIREPRO SYSTEMS LIMITED

 

 

Registered Office :

6 Spyrou Araouzou, & Koumantarias Corner, Tonia Court No. 2, 1st & 6th Floor, Limassol, 3076

 

 

Country :

Cyprus

 

 

Financials (as on) :

December 2013

 

 

Date of Incorporation :

17.04.2003

 

 

Com. Reg. No.:

C137692

 

 

Legal Form :

Limited Company

 

 

Line of Business :

Importing raw materials for the construction of fire protection systems

 

 

No. of Employee :

4 (December 2013)

 

 

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)

Cyprus

B2

B2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

CYPRUS ECONOMIC OVERVIEW

 

The area of the Republic of Cyprus under government control has a market economy dominated by the service sector, which accounts for four-fifths of GDP. Tourism, financial services, and real estate have traditionally been the most important sectors. Cyprus has been a member of the European Union (EU) since May 2004 and adopted the euro as its national currency in January 2008. During the first five years of EU membership, the Cyprus economy grew at an average rate of about 4%, with unemployment between 2004 and 2008 averaging about 4%. However, the economy tipped into recession in 2009 as the ongoing global financial crisis and resulting low demand hit the tourism and construction sectors. An overextended banking sector with excessive exposure to Greek debt added to the contraction. Cyprus’s biggest two banks were among the largest holders of Greek bonds in Europe and had a substantial presence in Greece through bank branches and subsidiaries. Following numerous downgrades of its credit rating, Cyprus lost access to international capital markets in May 2011. In July 2012, Cyprus became the fifth eurozone government to request an economic bailout program from the European Commission, European Central Bank and the International Monetary Fund - known collectively as the "Troika."

Shortly after the election of President Nikos ANASTASIADES in February 2013, Cyprus reached an agreement with the Troika on a $10 billion bailout that resulted in losses on uninsured bank deposits. The bailout triggered a two-week bank closure and the imposition of capital controls that were completely withdrawn in April 2015. Cyprus' two largest banks merged and the combined entity was recapitalized through conversion of some large bank deposits to shares and imposition of losses on bank bondholders. As with other EU countries, the Troika conditioned the bailout on passing financial and structural reforms and privatizing state-owned enterprises. Despite downsizing and restructuring, the Cypriot financial sector throughout 2014 remained burdened by the largest stock of non-performing loans (NPLs) in the euro-zone, equal to nearly half of all loans. Since the bailout, Cyprus has received positive appraisals by the Troika but met its first signs of resistance to passing bailout-mandated legislation in 2014. Political disagreements held up passage of contentious legislation required by the Troika to reform bankruptcy rules, delaying disbursal of bailout funds during the second half of the year. In October 2013, a US-Israeli consortium completed preliminary appraisals of hydrocarbon deposits in Cyprus’ exclusive economic zone (EEZ), which revealed an estimated gross mean reserve of about 140 billion cubic meters. Though exploration continues in Cyprus’ EEZ, no additional commercially exploitable reserves were identified during the exploratory drilling in 2014/2015. Nevertheless, developing its offshore hydrocarbon resources remains a critical component to the government’s economic recovery efforts. Industry experts say there may be exploratory and development drilling in 2016 and 2017.

Economy - overview: Even though the whole of the island is part of the EU, implementation of the EU "acquis communautaire" has been suspended in the area administered by Turkish Cypriots, known locally as the "Turkish Republic of Northern Cyprus" ("TRNC"), until political conditions permit the reunification of the island. The market-based economy of the TRNC is roughly one-fifth the size of its southern neighbor and is likewise dominated by the service sector with a large portion of the population employed by the government. In 2012 - the latest year for which data are available - the services sector, which includes the public sector, trade, tourism, and education, contributed 58.7% to economic output. In the same year, light manufacturing and agriculture contributed 2.7% and 6.2%, respectively. Manufacturing is limited mainly to food and beverages, furniture and fixtures, construction materials, metal and non-metal products, textiles and clothing. The “TRNC” maintains few economic ties with the Republic of Cyprus outside of trade in construction materials. Since its creation, the "TRNC" has heavily relied on financial assistance from Turkey, which supports the "TRNC" defense, telecommunications, water and postal services. The Turkish Lira is the preferred currency, though foreign currencies are widely accepted in business transactions. The "TRNC" remains vulnerable to the Turkish market and monetary policy because of its use of the Turkish Lira. The "TRNC" weathered the European financial crisis relatively unscathed - compared to the Republic of Cyprus - because of the lack of financial sector development, the health of the Turkish economy, and its separation from the rest of the island. The TRNC economy experienced growth estimated at 2.8% in 2013 and 2.3% in 2014 and is projected to grow 3.8% in 2015.

 

Source : CIA

 

Basic Information

 

Registered Name

FIREPRO SYSTEMS LIMITED

 

English Name

FIREPRO SYSTEMS LIMITED

Registered Address

6 Spyrou Araouzou, & Koumantarias Corner, Tonia Court No. 2, 1st & 6th Floor, Limassol, 3076, Cyprus

Headquarters:

6 Koumandarias, TONIA COURT 2, 6th Floor., Limassol, 3036, Po. Box 54080, Cyprus

Telephone

+35725379999

Fax

+35725376110

E-mail

mail@firepro.info

Web Site

www.firepro.info

Legal Type

Limited Company

Registration No

C137692

Registration Date

17/04/2003

Last annual report

31/12/2014

Latest Annual Account Date

31/12/2013

Last return

31/12/2014

Tax Reg. No:

VAT: CY10137692X

CINFO ID:

CYC11701545

 

 

Status:

Registered and operational

 

 

Summary

 

 

 

Employees

December 2013

 

 

Company

 

 

Total Number

4

 

 

 

 

Financial Summary

December 2013

December 2012

December 2011

 

EUR

EUR

EUR

Revenue Sales

4,936,169.00

3,704,845

 

Pre Tax Profit

977,428.00

827,441

 

Working Capital

1,593,717.00

1,294,451.00

695,801.00

Total Equity

2,071,530.00

1,460,396.00

819,292.00

Long Term Debts

 

 

 

Trend

UP

-

-

Additional Info:

Correspondent: REBECCA PETROU, P.O. Box 54080, Limassol, 3720, Tel: 25379999

Legal Advisor: CHRYSIS DIMITRIADES & CO - P.L. KAKOGIANNI & CO, 284 Archiepiskopou Makariou C' Avenue, Fortuna Court, Block B', 2nd Floor, Limassol, 3105

 

 

Payment

 

Assessment:

Average Risk

Payment Habits:

SLOW BUT CORRECT

A check against all available information sources revealed that no late payment incidents against Subject Company exist.

 

Financial strength

Good

Please note that the financial strength calculated based on the audited financial statements for the year 2013.

 

 

 

LAWYERS

ANDREAS NEOCLEOUS & SIA DEPE

Neocleous House 195 Makarios III Avenue P.O. Box 50613 Limassol  CY-3608 Limassol Tel: +37525110000

 

 

AUDITORS

DELOITTE LIMITED

Maximos Plaza, Block 1, 3rd floor 213, Arch. Makariou III Avenue Limassol,CY3030 Cyprus Phone:  + 357 25 868686

 

 

Business History

 

Date

Event Name

Old Value

New Value

01/01/2008

Authorized Capital Changed

1000.00 CYP

1710.00 EUR

01/01/2008

Paid Up Capital Changed

1000.00 CYP

1710.00 EUR

01/01/2008

Nominal Values of Shares Changed

1.00 CYP

1.71 EUR

 

 

Previous Locations

 

Headquarters

From:

To:

18, Evagora Papachristoforou, Petousis Court, 1st Floor, Limassol, 3030, , Cyprus,

17/04/2003

01/09/2006

 

 

 

 

Capital

 

Authorized Capital

1,710.00

EUR

Issued Capital

1,710.00

EUR

Nominal No Of Shares

1,000.00

 

Issued No Of Shares

1,000.00

 

Nominal value

1.71

EUR

Paid Up

1,710.00

EUR

 

 

Corporate Structure

 

Directors

Position

Acts As

ID

Occupation

Age

Appointed

Other dir.

 

AVGOUSTI AVGOUSTINOS

 

Director

 

539889(ID)

 

57

02/03/2005

Yes

1 Ioanni Komninou, Olygia, 1st Floor, Apt. 201, Katholikis, Limassol, 3030, Cyprus

 

Other Directorship:

 

 

 

Name

 

Registration Date

Reg. No.

Status

Position

Update Date

 

CLENCHBY PROPERTIES LIMITED

 

12/04/2007

C196320

Registered and operational

Director / Secretary

25/08/2015

 

COMPTON HOUSE INVESTMENTS LIMITED

 

21/10/1994

C65923

Registered and operational

Director

24/10/2013

 

MONMAY HOLDINGS LTD

 

29/07/2010

C271357

Registered and operational

Director

02/05/2013

 

I.D. INFINITY (HOLDINGS) LTD

 

22/11/2012

C315579

Registered and operational

Director / Secretary

24/04/2013

 

TATNAM HOLDINGS LIMITED

 

26/01/2009

C245100

Registered - start the procedure of erasing (section 327)

Director

17/04/2013

 

FEPMON ENTERPRISES LTD

 

29/07/2010

C271336

Registered and operational

Director

26/07/2012

 

ENVIABLE ENTERPRISES LIMITED

 

23/01/2008

C220122

Registered and operational

Director

12/09/2011

 

TYRUSLAND LIMITED

 

26/07/2000

C113329

Registered and operational

Director

08/04/2011

 

FIREPRO CYPRUS LIMITED

 

24/06/1996

C79791

Registered and operational

Director

13/08/2010

 

 

Other Shareholding:

 

 

 

Name

 

Registration Date

Reg. No.

Status

%

Update Date

 

MONMAY HOLDINGS LTD

 

29/07/2010

C271357

Registered and operational

100

14/01/2015

 

I.D. INFINITY (HOLDINGS) LTD

 

22/11/2012

C315579

Registered and operational

80

24/04/2013

 

 

 

 

 

ECONOMIDES THEOCHARIS

 

Director

 

704346871(Passport)

 

 

16/07/2004

No

14 Lamartinou, Limassol, 3076, Cyprus

Other Directorship:

 

No Information Found

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

GIANGUIDO GIANFILIPPI DE PARENTI

 

Director

 

43640(Passport)

 

 

16/07/2004

No

14 Lamartinou, Limassol, 3076, Cyprus

Other Directorship:

 

No Information Found

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

ALEKSANDR SERGEEVICH SOKOLNIKOV

 

Director

 

51/0083296(Passport)

 

 

16/07/2004

No

1/33 B. Pochtovaya, 105th Floor, 107082, Moscow, Russian Federation

Other Directorship:

 

No Information Found

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

POPOVIC SLOBODAN

 

Director

 

001973688(Passport)

 

48

16/07/2004

Yes

16 Savska, 26000 Pancevo, Serbia and Montenegro

Other Directorship:

 

 

 

Name

 

Registration Date

Reg. No.

Status

Position

Update Date

 

AMDICO INTERNATIONAL LIMITED

 

11/01/1995

C67993

Registered - start the procedure of erasing (section 327)

Director

24/07/2013

 

AMALCO HOLDING LIMITED

 

23/07/2004

C150662

Registered - start the procedure of erasing (section 327)

Director

05/05/2011

 

ZUG COMMODITIES LIMITED

 

20/01/2003

C135718

Registered - start the procedure of erasing (section 327)

Director

22/08/2008

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

MIODRAG MAKLENOV

 

Director

 

001772594(Passport)

 

 

16/07/2004

No

27C Milke Markovic, 26000 Pancevo, Serbia and Montenegro

Other Directorship:

 

No Information Found

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

MILAN POPOVIC

 

Director

 

002800802(Passport)

 

 

16/07/2004

No

16 Savska, 26000 Pancevo, Serbia and Montenegro

Other Directorship:

 

No Information Found

 

 

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

AVGOUSTI EVELTHON

 

Director

 

622127(ID)

 

55

17/04/2003

Yes

1 Ioanni Komninou, Apt. 201, Limassol, 3022, Cyprus

 

 

Other Directorship:

 

 

 

Name

 

Registration Date

Reg. No.

Status

Position

Update Date

 

PROMENADE SUITES LIMITED

 

13/08/2007

C205474

Registered and operational

Director / Secretary

25/08/2015

 

CLENCHBY PROPERTIES LIMITED

 

12/04/2007

C196320

Registered and operational

Director

25/08/2015

 

PROMENADE HOLDINGS LIMITED

 

05/07/2007

C203345

Registered and operational

Director

18/11/2014

 

TOXETO ENTERTAINMENT LTD

 

27/06/2007

C202841

Registered and operational

Director

10/05/2013

 

I.D. INFINITY (HOLDINGS) LTD

 

22/11/2012

C315579

Registered and operational

Director

24/04/2013

 

WEMAR INVESTMENTS LTD

 

29/07/2010

C271356

Registered and operational

Director

12/04/2013

 

TZORELA ENTERPRISES LTD

 

03/11/2008

C241081

Registered and operational

Director

20/03/2013

 

EVELTHON HOLDINGS LIMITED

 

26/01/2006

C171327

Registered and operational

Director

29/02/2012

 

PROMENADE TOWER LIMITED

 

08/08/2007

C205214

Registered and operational

Director / Secretary

12/09/2011

 

ENVIABLE ENTERPRISES LIMITED

 

23/01/2008

C220122

Registered and operational

Director

12/09/2011

 

Note: In order to view a full list please order a directorship report.

 

 

Other Shareholding:

 

 

 

Name

 

Registration Date

Reg. No.

Status

%

Update Date

 

WEMAR INVESTMENTS LTD

 

29/07/2010

C271356

Registered and operational

100

12/04/2013

 

PROMENADE HOLDINGS LIMITED

 

05/07/2007

C203345

Registered and operational

100

18/11/2014

 

TZORELA ENTERPRISES LTD

 

03/11/2008

C241081

Registered and operational

100

07/10/2015

 

B.D. BOUTIQUE DEVELOPERS LIMITED

*

18/12/2006

C188738

Dissolved

33.33333

07/11/2008

 

GREEKPORTALS LIMITED

 

27/03/2006

C174269

Registered - start the procedure of erasing (section 327)

15

09/06/2009

 

CYPRUS NET.COM BY DICTIORASIS LIMITED

 

02/02/2006

C171633

Registered and operational

5

08/11/2010

 

FOUR 23 LIMITED

 

07/03/2000

C109614

Registered - start the procedure of erasing (section 327)

0.02

04/06/2015

 

 

 

Secretary

Position

Acts As

ID

Occupation

Age

Appointed

Other dir.

 

 

 

BOOMER SECRETARIAL LIMITED

 

Company Secretary

 

C77993

 

0

28/04/2010

No

 

3 Michail Koutsofta, Limassol, 3305, Cyprus

 

Other Directorship:

 

No Information Found

 

 

 

 

 

Other Shareholding:

 

 

 

Name

 

Registration Date

Reg. No.

Status

%

Update Date

 

MAVELOT SERVICES LIMITED

 

01/06/2009

C250624

Registered and operational

100

29/03/2012

 

L BIO SYSTEMS LIMITED

 

30/09/2006

C184817

Registered and operational

100

02/04/2012

 

NAVOUHA SERVICES LIMITED

 

27/07/2007

C204669

Registered - start the procedure of erasing (section 327)

100

20/04/2012

 

WTD LIMITED

 

18/02/2009

C246071

Registered - start the procedure of erasing (section 327)

100

08/05/2012

 

BARVIN ENTERPRISES LIMITED

 

11/07/2005

C162908

Registered - start the procedure of erasing (section 327)

100

19/06/2012

 

TANGUERA LIMITED

 

30/09/2008

C239045

Registered - start the procedure of erasing (section 327)

100

05/07/2012

 

RACHIANI SERVICES LIMITED

 

21/09/2010

C273988

Registered and operational

100

07/02/2013

 

Q.C. BIOMEDICAL LIMITED

 

03/07/2009

C251896

Registered and operational

100

19/02/2013

 

TWINFEX HOLDINGS LIMITED

 

09/05/2007

C198855

Registered and operational

100

28/12/2010

 

VIVEKA ENTERPRISES LIMITED

 

21/05/2008

C229535

Registered and operational

100

28/12/2010

 

Note: In order to view a full list please order a directorship report.

 

 

 

 

Shareholders

ID / Reg. No.

Acts As

Nationality

Shares

%

Shares Breakdown

Class

Type

 

ESTIKONDE INVESTMENTS LIMITED

 

C113764

 

-

500

50

-

-

-

 

18 Evagora Papachristoforou, 3rd Floor, Limassol, 3030, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

I.D. INFINITY DEVELOPMENTS CYPRUS LIMITED

 

C187785

 

-

500

50

-

-

-

 

6 Spyrou Araouzou, & Koumandarias Corner, Tonia Court, 6th Floor, Apt. 2,, Limassol, 3076, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

Operation

 

Activity Code

Description

NACE 2.1

4321

Electrical installation - This class includes the installation of electrical systems in all kinds of buildings and civil engineering structures of electrical systems. This class includes: - installation of: > electrical wiring and fittings > telecommunications wiring > computer network and cable television wiring, including fibre optic > satellite dishes > lighting systems > fire alarms > burglar alarm systems > street lighting and electrical signals > airport runway lighting > electric solar energy collectors - This class also includes: - connecting of electric appliances and household equipment, including baseboard heating - This class excludes: - construction of communications and power transmission lines, see 42.22 - monitoring and remote monitoring of electronic security systems, such as burglar alarms and fire alarms, including their installation and maintenance, see 80.20

 

 

Line of Business

 

The company in question was established in order to get involved in importing raw materials for the construction of fire protection systems

According to the person interviewed, the company gets involved with wholesale of these systems to FIREPRO CYPRUS LIMITED which this company is responsible
for the installation and maintenance of fire detection and protection systems for various purposes.

Subject's Exporting Terms depends on every client. According to Ms. Kalis if they sell to one client 1,000,000EUR products then exporting terms are letter
of credit, if the amount of the sale is small then exporting terms are advanced payment. Sometimes, exporting terms are on credit.

Please note that the subject deals with Local Purchases (5%) of building materials.


Terms of sale are acceptance credits


Territory: 98% International 2% Local


Exports 98% to Europe, Far East, Middle East, Africa, U S A, Australia, Asia


Normal exporting terms are special agreements

Imports 95% of raw materials from Russian Fed, India, China, U K, Israel, Denmark
Normal importing terms are cash.


According to the Annual report of 2013 The company’s activities are the manufacturing and distribution of fire extinguishing systems in Cyprus and abroad.

 

 

Export to

Percentage

Comments

Non Retrievable

 

 

 

Import from

Percentage

Comments

Non Retrievable

 

 

Market Territory

 

 

 

 

Non Retrievable

 

 

 

Premises

 

 

 

 

 

 

Type

Headquarters

Address:

6 Koumandarias, TONIA COURT 2, 6th Floor. Limassol, 3036, Po. Box 54080, Cyprus

Headquarters comprise of

Offices

Headquarters are

Rented

 

 

Banks

BANK OF CYPRUS PUBLIC COMPANY LIMITED

51 Stasinou, Agia Paraskevi, Strovolos, 2002, Nicosia, Cyprus

UBS BANK, SWITZERLAND

Baarerstrasse 14A, 6300 Zug, Switzerland

 

 

 

Charges

 

 

 

No

Date registered

Date prepared

Type

Description/No

Amount

Sequence

Beneficiary

0

N/A

N/A

N/A

N/A

N/A

N/A

No charges found

 

 

Negatives

 

A check against our revealed that no negative payment incidents against the subject company, such as unpaid bills or bankruptcies exist.

 

 


Financial Statement

 

Corporate financial statement

 

Balance Sheet

December  2013

December  2012

December  2011

 

EUR

EUR

EUR

 

FIXED ASSETS

 

 

 

Property, plant and equipment

354,841

144,406

118,705

Intangible assets

13,567

21,538

74

Investment in associates

 

1

4,712

Available-for-sale financial assets

55,225

 

 

Trade and other receivables (Fixed)

54,180

 

 

Total fixed assets

477,813

165,945

123,491

CURRENT ASSETS

 

 

 

Inventories

641,994

828,888

534,748

Trade and other receivables

1,562,120

986,645

800,211

Tax Refundable

9,992

9,316

9,316

Cash and cash equivalents

579,508

459,587

215,535

Total current assets

2,793,614

2,284,436

1,559,810

Total assets

3,271,427

2,450,381

1,683,301

CAPITAL AND RESERVES

 

 

 

Share capital

1,710

1,710

1,710

Retained earnings

2,069,820

1,458,686

817,582

Total equity

2,071,530

1,460,396

819,292

LONG-TERM LIABILITIES

 

 

 

Total long-term liabilities

 

0

 

CURRENT LIABILITIES

 

 

 

Trade and other payables

1,189,831

939,847

856,904

Current income tax liabilities

4,974

4,974

2,623

Bank overdraft

5,092

45,164

4,482

Total Current Liabilities

1,199,897

989,985

864,009

Total liabilities

1,199,897

989,985

864,009

Total equity and liabilities

3,271,427

2,450,381

1,683,301

 

 

Profit/Loss Account

December  2013

December  2012

December  2011

 

EUR

EUR

EUR

 

 

Sales

4,936,169

3,704,845

 

Cost of goods sold

2,487,113

1,784,450

 

Gross profit

2,449,056

1,920,395

 

Other Operating income

29,674

31,548

 

Selling and distribution expenses

442,903

409,845

 

Administrative expenses

758,690

595,402

 

Other expenses

286,696

34,711

 

OPERATING PROFIT/LOSS

990,441

874,907

 

Finance costs

13,013

47,466

 

Profit/Loss before income tax

977,428

827,441

 

Income tax expense

143,208

85,293

 

Profit/Loss for the year

834,220

742,148

 

 

 

Key Ratios

December  2013

December  2012

December  2011

PROFITABILITY RATIOS

Gross Profit margin on sales

0.5

0.52

 

Return on assets (ROA)

0.26

1.51

 

LIQUIDITY RATIOS

Current Ratio

2.33

2.31

1.81

TURNOVER RATIOS

Sales to Net Working Capital Ratio

3.1

2.32

 

Total assets turnover (times)

1.51

1.51

 

 

 

Notes

 

December  2013

Please note the following significant changes in the financial statements of 2013 compared to the audited financial statements of 2012:


1. Sales increased by 33.24%.


2. Cost of sales increased by 39.38%3


3. Gross profit increased by 67.39%


4. Administrative expenses increased by 27.42%


5. Profit before Taxation increased to 977,428 compared to Profit before Taxation 827,441 in 2012.

 
6. Current ratio increased from 2.30 to 2.32 in 2013. Acceptable ratio varies from industry to industry. For most industries a ration above 1.5 is considered acceptable.


7. Trade and Other Receivables increased by 58.33% whereas Trade and Other Payables increased by 26.60%.


8.  Property, plant and equipment increased to 354,841 from 144,406.


9. Cash and cash equivalent increased by 26.09%

 

10.Cash from Operations remained positive with an increased by 99.73%

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.52

UK Pound

1

Rs.100.43

Euro

1

Rs.70.44

EUR

1

Rs.70.56

Note : Above are approximate rates obtained from sources believed to be correct

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

ANK

 


 

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.