MIRA INFORM REPORT

 

 

Report No. :

352147

Report Date :

02.12.2015

 

IDENTIFICATION DETAILS

 

Name :

ROSSINI S.P.A.

 

 

Registered Office :

Via De Gasperi, 5  20027 - Rescaldina (MI)

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

01.06.1990

 

 

Legal Form :

Joint stock company

 

 

Line of Business :

Manufacture of other rubber products.

 

 

No. of Employee :

From 91 to 110

 

 

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 :

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)

Italy

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

ITALY ECONOMIC OVERVIEW

 

Italy has a diversified economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, where unemployment is higher. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family-owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but its exceptionally high public debt and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, topping 132% of GDP in 2014, but investor concerns about Italy and the broader euro-zone crisis eased in 2013, bringing down Italy's borrowing costs on sovereign government debt from euro-era. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's long-standing structural impediments to growth, such as labor market inefficiencies and tax evasion. In 2014 economic growth and labor market conditions continued to deteriorate, with overall unemployment rising to 12.2% and youth unemployment around 40%. Italy's GDP is now nearly 10% below its 2007 pre-crisis level.

 

Source : CIA

 

 

Company name and address

 

ROSSINI S.P.A.

 

Via De Gasperi, 5  20027 - Rescaldina (MI) -IT-

 

 

 

Summary

 

Fiscal Code

:

00101040152

Legal Form

:

Joint stock company

start of Activities

:

01/06/1990

Equity

:

Over 2.582.254

Turnover Range

:

20.000.000/25.000.000

Number of Employees

:

from 91 to 110

 

 

Activity

 

Manufacture of other rubber products n.e.c.

 

Legal Data

 

Legal Form : Joint stock company

Fiscal Code : 00101040152

 

Foreign Trade Reg. no. : MI059333 since 20/12/1991

 

Foreign Trade Reg. no. : 59333 of Milano since 20/12/1991

 

Foreign Trade Reg. no. : 059333 of Milano since 20/12/1991

 

Chamber of Commerce no. : 101634 of L'Aquila

 

Chamber of Commerce no. : 147586 of Milano since 26/04/1928

 

Firms' Register : MI146-158921 of Milano since 19/02/1996

 

V.A.T. Code : 00101040152

 

Tribunal Co. Register : 158921 of

 

Foundation date

: 01/01/1928

Establishment date

: 05/06/1987

Start of Activities

: 01/06/1990

Legal duration

: 31/12/2050

Nominal Capital

: 1.560.000

Subscribed Capital

: 1.560.000

Paid up Capital

: 1.560.000

 

Legal mail :

DIREZIONE@PEC.ROSSINI-SPA.IT

 

 

Members

 

Cromi

Mario

 

Born in Gorla Minore

(VA)

on 25/09/1936

- Fiscal Code : CRMMRA36P25E102W

 

Residence:

Giacchetti

, 121

- 21055

Gorla Minore

(VA)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

12/01/2015

 

Fagnani

Paola

 

Born in Milano

(MI)

on 01/06/1950

- Fiscal Code : FGNPLA50H41F205L

 

Residence:

Lovanio

, 5

- 20100

Milano

(MI)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

12/01/2015

Managing Director

12/01/2015

 

No Prejudicial events are reported

 

No Protests registered

 

Rossini

Felice

 

Born in Varese

(VA)

on 27/09/1943

- Fiscal Code : RSSFLC43P27L682S

 

Residence:

Lovanio

, 5

- 20121

Milano

(MI)

- IT -

 

Position

Since

Shares Amount

% Ownership

Board Chairman

12/01/2015

Director

12/01/2015

Managing Director

12/01/2015

 

No Prejudicial events are reported

 

No Protests registered

 

Trebbi

Giovanni

 

Born in Sestino

(AR)

on 01/01/1961

- Fiscal Code : TRBGNN61A01I681O

 

Residence:

Industriale

- 67100

L'Aquila

(AQ)

- IT -

 

Position

Since

Shares Amount

% Ownership

Procurator

02/04/2004

 

No Prejudicial events are reported

 

No Protests registered

 

Rossini

Giulia Maria

 

Born in Milano

(MI)

on 11/07/1973

- Fiscal Code : RSSGMR73L51F205B

 

Residence:

Broletto

, 39

- 20121

Milano

(MI)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

12/01/2015

 

Rossini

Angela

 

Born in Milano

(MI)

on 20/09/1977

- Fiscal Code : RSSNGL77P60F205E

 

Residence:

Via Riva Paradiso

, 32

Paradiso

- CH -

 

Position

Since

Shares Amount

% Ownership

Director

12/01/2015

 

Companies connected to members *

 

*checkings have been performed on a national scale.

 

In this module are listed the companies in which members hold or have holded positions.

 

Fagnani

Paola

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

ERRE DUE - S.R.L.

L'Aquila (AQ) - IT -

01230970665

Sole Director

Withdrawn

Registered

Grimaldi Due - Societa' Semplice

Ventimiglia (IM) - IT -

90022460084

Partner

Active

Registered

Tirrenum - Societa' Semplice

Milano (MI) - IT -

96687840015

Partner

Active

Registered

ROSSINI SPAIN PRINTING ROLLERS SA

Cabrera Del Mar - Barcelona - ES -

A08057051

Vice-Chairman

Active

Registered

 

Rossini

Felice

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

C.p.a. Centro Promozionale Acimga S.p.a.

Milano (MI) - IT -

03138420157

Director

Active

Registered

Centrexpo Spa

Milano (MI) - IT -

04687000150

Director

Active

Registered

Centrexpo Spa

Milano (MI) - IT -

04687000150

Board Chairman

Withdrawn

Registered

Ipack-ima S.p.a

Milano (MI) - IT -

01620110153

Director

Withdrawn

Registered

Tirrenum - Societa' Semplice

Milano (MI) - IT -

96687840015

Partner

Active

Registered

NUOVE INIZIATIVE FIERISTICHE S.R.L.

Bologna (BO) - IT -

02286911207

Sole Director

Withdrawn

Registered

ROSSINI SPAIN PRINTING ROLLERS SA

Cabrera Del Mar - Barcelona - ES -

A08057051

Board Chairman

Active

Registered

C.p.a. Holding S.r.l.

Milano (MI) - IT -

08638150964

Director

Active

Registered

 

The indication "REGISTERED" as Firm Status could refer to Firms in Liquidation, Active, Inactive, etc.

For more information, in this case, we advise to request further investigations.

 

Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Fagnani Paola

Milano - IT -

FGNPLA50H41F205L

239.148 .Eur

15,33

Rossini Felice

Milano - IT -

RSSFLC43P27L682S

1.320.852 .Eur

84,67

 

Direct Participations

 

The Company under review has participations in the following Companies:

 

Firm's Style

Seat

Fiscal Code

Owned Shares Amount

% Ownership

since

until

Share Status

ROSSINI SPAIN PRINTING ROLLERS SA

Cabrera Del Mar - Barcelona - ES -

100,00

Active

ERRE DUE - S.R.L.

L'Aquila - IT -

01230970665

826.331 .Eur

80,00

Active

 

Firm's location and structure

 

In order to carry out its activities the firm uses the following locations:

 

-

Legal and operative seat

 

De Gasperi

, 5

- 20027

- Rescaldina

(MI)

- IT -

 

Legal mail

: DIREZIONE@PEC.ROSSINI-SPA.IT

 

-

Branch

(Factory)

since 14/05/2001

 

Bazzano

- 67100

- L'Aquila

(AQ)

- IT -

 

Employees

: 92

 

Fittings and Equipment for a value of 450.000

Eur

 

Stocks for a value of 1.960.000

Eur

 

The firm operates abroad as importer / exporter..

To purchase foreign products the firm uses the following channels :

- distributors

Export represents from 20% to 50% of the global turnover.

Products abroad are placed by :

- its own agents

 

- its own foreign branches

 

 

Historical Information and/or Firm's Status

 

CHANGES TO THE LEGAL FORM:

 

Former legal form

New legal form

Changement Date

Limited liability company

Joint stock company

05/06/1987

 

CEASINGS/INCORPORATIONS/MERGES:

 

The firm absorved

 

ERRE DUE - S.R.L.

 

Zona Industriale Fraz. Bazzano

, 67100

, L'Aquila

(AQ)

- IT -

 

Fiscal Code: 01230970665

 

Date

:

07/05/2001

 

Project of merging by taking over of

 

ERRE DUE - S.R.L.

 

Zona Industriale Fraz. Bazzano

, 67100

, L'Aquila

(AQ)

- IT -

 

Fiscal Code: 01230970665

 

Date

Merging/splitting-up project:

18/12/2000

 

The firm absorbed by merging of

 

ERRE DUE - S.R.L.

 

Zona Industriale Fraz. Bazzano

, 67100

, L'Aquila

(AQ)

- IT -

 

Fiscal Code: 01230970665

 

Date

:

07/05/2001

 

Protests

 

Protests checking on the subject firm has given a negative result.

 

Data Base Prejudicial Events Search

 

Search performed on a National Scale

 

Prejudicial Events Search Result: NEGATIVE

 

Search performed on a specialized data base.

 

Legal Procedures

 

None reported, standing to the latest received edition of the Official Publications.

 

Financial and Economical Analysis

 

Subject is active since 1990

An eco-fin analysis has been made on the base od the b/s fo the years 2012, 2013 and 2014.

During the last years, it recorded positive net results (r.o.e. 6,54% in 2014) but without a significant increase in the turnover.

The operating result was positive in the last financial year (4,27%) and in line with the sector's average.

The operating result is positive and amounts to Eur. 1.203.318 showing a downwards trend equal to -31,59% if compared to the value of the financial year 2013.

During the latest financial year the gross operating margin amounted to Eur. 1.625.750 with a -25,69% fall.

The company has an excellent net worth if compared to its debts, with a low indebtedness (0,49) lower than in 2013.

With regard to equity capital, an amount of Eur. 13.867.058 is registered. , unchanged as opposed to the preceding year.

Total debts recorded amounted to Eur. 12.464.984 (Eur. 4.302.180 of which were m/l term debts) , a more or less stable value.

Bank exsposure is limited and the suppliers' credit is modest too, 79,24 gg. is the payment average period which is also lower than the sector average.

The liquidity level is positive (1,41).

As to due from customers, the average terms are 79,21 days. , lower than the sector's average.

During financial year 2014 the cash flow amounted to Eur. 1.255.634

Labour cost expenses amount to Eur. 5.596.729 , representing 25,74% on the total of production costs. , whereas 24,96% is the incidence on sales revenues.

The financial charges do not negatively affect the management, as they are covered by the incomes.


Financial Data

 

Complete balance-sheet for the year

al 31/12/2014

(in Eur

x 1)

 

Item Type

Value

Sales

22.422.075

Profit (Loss) for the period

906.297

 

Complete balance-sheet for the year

al 31/12/2013

(in Eur

x 1)

 

Item Type

Value

Sales

22.505.322

Profit (Loss) for the period

728.688

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

22.682.176

Profit (Loss) for the period

972.547

 

Balance Sheets

 

From our constant monitoring of the relevant Public Administration offices, no more recent balance sheets result to have been filed.

 

- Balance Sheet as at 31/12/2014 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2013 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1

 

Years

2014

2013

2012

 

BALANCE SHEET ACCOUNTS

 

ASSETS

CREDITS VS PARTNERS

. Deposits not yet withdrawn

. Deposits already withdrawn

Total credits vs partners

FIXED ASSETS

. INTANGIBLE FIXED ASSETS

. . Start-up and expansion expenses

. . Research,develop. and advert.expens.

. . Industrial patent rights

100.713

86.319

84.173

. . Concessions,licenses,trademarks,etc.

1.674

. . Goodwill

23.827

. . Assets in formation and advance paymen.

. . Other intangible fixed assets

. Total Intangible Fixed Assets

100.713

86.319

109.674

. TANGIBLE FIXED ASSETS

. . Real estate

1.893.847

1.848.349

1.828.486

. . Plant and machinery

320.562

581.539

264.084

. . Industrial and commercial equipment

131.019

127.815

90.482

. . Other assets

164.069

204.849

185.060

. . Assets under construction and advances

. Total Tangible fixed assets

2.509.497

2.762.552

2.368.112

. FINANCIAL FIXED ASSETS

. . Equity investments

11.227.622

9.037.564

3.775.931

. . . Equity invest. in subsidiary companies

11.227.622

9.037.564

3.775.931

. . . Equity invest. in associated companies

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

. . Financial receivables

2.547.806

2.906.318

3.795.207

. . . . Within 12 months

2.547.806

2.906.318

3.795.207

. . . . Beyond 12 months

. . . Receivab due from subsidiaries

2.547.806

2.906.318

3.795.207

. . . . Within 12 months

2.547.806

2.906.318

3.795.207

. . . . Beyond 12 months

. . . Receivables due from assoc.comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from third parties

. . . . Within 12 months

. . . . Beyond 12 months

. . Other securities

250.000

500.000

. . Own shares

. . . Total nominal value

. Total financial fixed assets

13.775.428

12.193.882

8.071.138

Total fixed assets

16.385.638

15.042.753

10.548.924

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

653.806

892.524

870.133

. . Work in progress and semimanufactured

1.226.471

982.557

776.465

. . Work in progress on order

. . Finished goods

83.997

197.897

290.097

. . Advance payments

. Total Inventories

1.964.274

2.072.978

1.936.695

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

8.151.592

7.384.744

10.281.363

. . Beyond 12 months

115.549

. . Trade receivables

4.933.773

4.413.874

4.673.653

. . . . Within 12 months

4.933.773

4.413.874

4.673.653

. . . . Beyond 12 months

. . Receivables due from subsid. comp.

1.767.586

1.154.755

4.527.362

. . . . Within 12 months

1.767.586

1.154.755

4.527.362

. . . . Beyond 12 months

. . Receivables due from assoc. comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Fiscal Receivables

967.017

1.046.552

977.320

. . . . Within 12 months

967.017

1.046.552

861.771

. . . . Beyond 12 months

115.549

. . Receivables for anticipated taxes

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from third parties

483.216

769.563

218.577

. . . . Within 12 months

483.216

769.563

218.577

. . . . Beyond 12 months

. Total Credits not held as fixed assets

8.151.592

7.384.744

10.396.912

. FINANCIAL ASSETS

. . Equity invest. in subsidiary comp.

. . Equity invest. in associated companies

. . Equity invest. in holding companies

. . Other equity investments

. . Own shares

. . . Total nominale value

. . Other securities

. Total Financial Assets

. LIQUID FUNDS

. . Bank and post office deposits

1.413.779

934.733

1.189.296

. . Checks

. . Banknotes and coins

1.184

2.167

1.535

. Total Liquid funds

1.414.963

936.900

1.190.831

Total current assets

11.530.829

10.394.622

13.524.438

ADJUSTMENT ACCOUNTS

. Discount on loans

289.028

85.335

80.090

. Other adjustment accounts

Total adjustments accounts

289.028

85.335

80.090

TOTAL ASSETS

28.205.495

25.522.710

24.153.452

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

1.560.000

1.560.000

1.560.000

. Additional paid-in capital

. Revaluation reserves

. Legal reserve

483.266

483.266

434.639

. Reserve for Own shares

. Statute reserves

. Other reserves

10.917.495

10.388.807

9.764.883

. Accumulated Profits (Losses)

. Profit( loss) of the year

906.297

728.688

972.547

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

13.867.058

13.160.761

12.732.069

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

770.999

695.430

637.276

. . Taxation fund, also differed

70.497

15.869

15.869

. . Other funds

Total Reserves for Risks and Charges

841.496

711.299

653.145

Employee termination indemnities

965.360

1.034.288

1.057.857

ACCOUNTS PAYABLE

. . . . Within 12 months

8.162.804

8.286.694

8.150.450

. . . . Beyond 12 months

4.302.180

2.329.668

1.559.931

. . Bonds

. . . . Within 12 months

. . . . Beyond 12 months

. . Convertible bonds repayable

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to shareholders for financing

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to banks

7.358.871

4.621.931

3.480.784

. . . . Within 12 months

3.056.691

2.292.263

1.920.853

. . . . Beyond 12 months

4.302.180

2.329.668

1.559.931

. . Due to other providers of finance

. . . . Within 12 months

. . . . Beyond 12 months

. . Advances from customers

. . . . Within 12 months

. . . . Beyond 12 months

. . Trade payables

2.917.326

3.451.235

3.648.306

. . . . Within 12 months

2.917.326

3.451.235

3.648.306

. . . . Beyond 12 months

. . Securities issued

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to subsidiary companies

459.911

921.519

1.108.404

. . . . Within 12 months

459.911

921.519

1.108.404

. . . . Beyond 12 months

. . Due to associated companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to holding companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to the tax authorities

5.694

. . . . Within 12 months

5.694

. . . . Beyond 12 months

. . Due to social security and welfare inst.

1.101.095

1.035.861

967.917

. . . . Within 12 months

1.101.095

1.035.861

967.917

. . . . Beyond 12 months

. . Other payables

627.781

580.122

504.970

. . . . Within 12 months

627.781

580.122

504.970

. . . . Beyond 12 months

Total accounts payable

12.464.984

10.616.362

9.710.381

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

66.597

Total adjustment accounts

66.597

TOTAL LIABILITIES

28.205.495

25.522.710

24.153.452

 

 

MEMORANDUM ACCOUNTS

 

Third party goods

Investment accounts

Risk accounts

Civil and fiscal norms relation

 

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

. Revenues from sales and services

22.422.075

22.505.322

22.682.176

. Changes in work in progress

130.015

113.892

163.493

. Changes in semi-manufact. products

. Capitalization of internal work

. Other income and revenues

396.300

286.617

531.397

. . Contributions for operating expenses

. . Different income and revenues

396.300

286.617

531.397

Total value of production

22.948.390

22.905.831

23.377.066

PRODUCTION COSTS

. Raw material,other materials and consum.

8.660.173

9.000.164

9.241.317

. Services received

. Leases and rentals

6.682.425

6.332.020

6.624.852

. Payroll and related costs

5.596.729

5.057.083

4.742.873

. . Wages and salaries

4.033.663

3.635.434

3.420.763

. . Social security contributions

1.292.948

1.156.007

1.046.901

. . Employee termination indemnities

216.437

219.940

231.734

. . Pension and similar

5.748

6.818

6.359

. . Other costs

47.933

38.884

37.116

. Amortization and depreciation

349.337

374.476

363.599

. . Amortization of intangible fixed assets

8.640

32.861

66.293

. . Amortization of tangible fixed assets

226.196

268.699

253.464

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

114.501

72.916

43.842

. Changes in raw materials

238.718

-22.391

-26.320

. Provisions to risk reserves

73.095

54.528

54.446

. Other provisions

. Other operating costs

144.595

350.955

216.216

Total production costs

21.745.072

21.146.835

21.216.983

Diff. between value and cost of product.

1.203.318

1.758.996

2.160.083

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

456.918

20.289

10.710

. . Financ.income from receivables

. . . Towards subsidiary companies

. . . Towards associated companies

. . . Towards holding companies

. . . Towards other companies

. . Financ.income from secur. t.f.assets

. . Financ.income from secur. cur.assets

. . Financ.income other than the above

456.918

20.289

10.710

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

456.918

20.289

10.710

. Interest and other financial expense

-252.996

-365.660

-242.737

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

-252.996

-365.660

-242.737

Total financial income and expense

203.922

-345.371

-232.027

ADJUSTMENTS TO FINANCIAL ASSETS

. Revaluations

. . Of equity investments

. . Of financ.fixed assets not repres.E.I.

. . Of securities incl.among current assets

. Devaluation

-289.530

-283.654

. . Of equity investments

-289.530

-283.654

. . Of financial fixed assets (no equity inv)

. . Of securities included among current ass

Total adjustments to financial assets

-289.530

-283.654

EXTRAORDINARY INCOME AND EXPENSE

. Extraordinary income

125.700

237.705

131.250

. . Gains on disposals

58.000

. . Other extraordinary income

125.700

179.705

131.250

. Extraordinary expense

-1.086

-16.936

-7.931

. . Losses on disposals

-303

-2.675

. . Taxes relating to prior years

. . Other extraordinary expense

-783

-14.261

-7.931

Total extraordinary income and expense

124.614

220.769

123.319

Results before income taxes

1.531.854

1.344.864

1.767.721

. Taxes on current income

625.557

616.176

795.174

. . current taxes

570.929

616.176

796.493

. . differed taxes(anticip.)

54.628

-1.319

. Net income for the period

906.297

728.688

972.547

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

906.297

728.688

972.547

 

 

RATIOS

Value Type

as at 31/12/2014

as at 31/12/2013

as at 31/12/2012

Sector Average

COMPOSITION ON INVESTMENT

Rigidity Ratio

Units

0,58

0,59

0,44

0,37

Elasticity Ratio

Units

0,41

0,41

0,56

0,61

Availability of stock

Units

0,07

0,08

0,08

0,14

Total Liquidity Ratio

Units

0,34

0,33

0,48

0,40

Quick Ratio

Units

0,05

0,04

0,05

0,01

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

0,49

0,56

0,55

2,25

Self Financing Ratio

Units

0,49

0,52

0,53

0,25

Capital protection Ratio

Units

0,82

0,83

0,80

0,77

Liabilities consolidation quotient

Units

0,65

0,41

0,32

0,25

Financing

Units

0,90

0,81

0,76

2,89

Permanent Indebtedness Ratio

Units

0,68

0,65

0,64

0,49

M/L term Debts Ratio

Units

0,19

0,13

0,11

0,12

Net Financial Indebtedness Ratio

Units

0,43

0,28

0,18

1,13

CORRELATION

Fixed assets ratio

Units

1,17

1,10

1,46

1,12

Current ratio

Units

1,41

1,25

1,66

1,10

Acid Test Ratio-Liquidity Ratio

Units

1,17

1,00

1,42

0,78

Structure's primary quotient

Units

0,85

0,87

1,21

0,64

Treasury's primary quotient

Units

0,17

0,11

0,15

0,02

Rate of indebtedness ( Leverage )

%

203,40

193,93

189,71

400,87

Current Capital ( net )

Value

3.368.025

2.107.928

5.373.988

122.005

RETURN

Return on Sales

%

5,60

4,90

5,89

3,12

Return on Equity - Net- ( R.O.E. )

%

6,54

5,54

7,64

1,12

Return on Equity - Gross - ( R.O.E. )

%

11,05

10,22

13,88

7,08

Return on Investment ( R.O.I. )

%

4,27

6,89

8,94

3,17

Return/ Sales

%

5,37

7,82

9,52

3,04

Extra Management revenues/charges incid.

%

75,32

41,43

45,02

18,11

Cash Flow

Value

1.255.634

1.103.164

1.336.146

177.056

Operating Profit

Value

1.203.318

1.758.996

2.160.083

81.874

Gross Operating Margin

Value

1.625.750

2.188.000

2.578.128

249.142

MANAGEMENT

Credits to clients average term

Days

79,21

70,61

74,18

109,51

Debts to suppliers average term

Days

79,24

102,67

107,93

100,86

Average stock waiting period

Days

31,54

33,16

30,74

49,84

Rate of capital employed return ( Turnover )

Units

0,79

0,88

0,94

1,05

Rate of stock return

Units

11,41

10,86

11,71

7,21

Labour cost incidence

%

24,96

22,47

20,91

18,93

Net financial revenues/ charges incidence

%

0,91

-1,53

-1,02

-1,59

Labour cost on purchasing expenses

%

25,74

23,91

22,35

19,09

Short-term financing charges

%

2,03

3,44

2,50

2,93

Capital on hand

%

125,79

113,41

106,49

95,40

Sales pro employee

Value

128.862

142.438

153.257

159.094

Labour cost pro employee

Value

32.165

32.006

32.046

32.607

 

 

Remarks

 

1) Protests checking (relative to the last five years) performed by crossing and matching the members names and the Firm's Style with the reported addresses, is supplied by the Informatic Registry managed by the Italian Chamber of Commerce. If the fiscal code is not indicated, the eventual homonymous cases are submitted to expert staff evaluation in order to limit wrong matching risks.

 

2) The Legal Data, supplied and retrived from the Firm's Registry of the Italian Chamber of Commerce, are in line with the last registered modifications.

 

3) Risk evaluation and Credit Opinion have been performed on the base of the actual data at the moment of their availability.

 

 

Market / Territory Data

 

Population living in the province

:

3.839.216

Population living in the region

:

9.393.092

Number of families in the region

:

3.858.736

 

Monthly family expences average in the region (in Eur..) :

 

- per food products

:

460

- per non food products

:

2.090

- per energy consume

:

114

 

Sector Data

 

The values are calculated on a base of 99 significant companies.

 

The companies cash their credits on an average of 110 dd.

The average duration of suppliers debts is about 101 dd.

The sector's profitability is on an average of 3,12%.

The labour cost affects the turnover in the measure of 18,93%.

Goods are held in stock in a range of 50 dd.

The difference between the sales volume and the resources used to realize it is about 1,05.

The employees costs represent the 19,09% of the production costs.

 

Statistical Detrimental Data

 

Statistcally the trade activity shows periods of crisis.

The area is statistically considered lowly risky.

In the region 50.886 protested subjects are found; in the province they count to 24.765.

The insolvency index for the region is 0,55, , while for the province it is 0,66.

Total Bankrupt companies in the province : 22.523.

Total Bankrupt companies in the region : 39.612.

 

 


 

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 :

KIN

 

 

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

--

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.