MIRA INFORM REPORT

 

 

Report No. :

352090

Report Date :

03.12.2015

 

IDENTIFICATION DETAILS

 

Name :

BOSSARD AG

 

 

Registered Office :

Steinhauserstrasse 70, Postfach, 6301 Zug/ZG Switzerland/CH

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

1831

 

 

Com. Reg. No.:

170.3.005.204-5

 

 

Legal Form :

Company Limited By Shares

 

 

Line of Business :

The business activities includes trading in consumer goods of the connection-, manufacturing-, testing- and assembly technology. The range includes bolts, nuts, rivets, washers, connecting elements.

 

 

No. of Employees :

300

 

 

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 :

Good

Payment Behaviour :

Regular

Litigation :

Exist

 

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)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SWITZERLAND - ECONOMIC OVERVIEW

 

Switzerland is a peaceful, prosperous, and modern market economy with low unemployment, a highly skilled labor force, and a per capita GDP among the highest in the world. Switzerland's economy benefits from a highly developed service sector, led by financial services, and a manufacturing industry that specializes in high-technology, knowledge-based production. Its economic and political stability, transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates also make Switzerland one of the world's most competitive economies.

 

The Swiss have brought their economic practices largely into conformity with the EU's to enhance their international competitiveness, but some trade protectionism remains, particularly for its small agricultural sector. The fate of the Swiss economy is tightly linked to that of its neighbors in the euro zone, which purchases half of Swiss exports. The global financial crisis of 2008 and resulting economic downturn in 2009 stalled demand for Swiss exports and put Switzerland into a recession. During this period, the Swiss National Bank (SNB) implemented a zero-interest rate policy to boost the economy, as well as to prevent appreciation of the franc, and Switzerland's economy began to recover in 2010.

 

The sovereign debt crises unfolding in neighboring euro-zone countries, however, coupled with ongoing economic instability in Russia and other eastern European economies continue to pose a significant risk to the Swiss economy, driving up demand for the Swiss franc by investors seeking a safe-haven currency. In January 2015, the SNB abandoned the Swiss franc’s peg to the Euro, roiling global currency markets and making active SNB intervention a necessary hallmark of present-day Swiss monetary policy. The independent SNB has upheld its zero interest rate policy and conducted major market interventions to prevent further appreciation of the Swiss franc, but parliamentarians have urged it to do more to weaken the currency. The franc's strength has made Swiss exports less competitive and weakened the country's growth outlook; GDP growth fell below 2% per year from 2011-14.

 

In recent years, Switzerland has responded to increasing pressure from neighboring countries and trading partners to reform its banking secrecy laws, by agreeing to conform to OECD regulations on administrative assistance in tax matters, including tax evasion. The Swiss government has also renegotiated its double taxation agreements with numerous countries, including the US, to incorporate OECD standards, and is openly considering the possibility of imposing taxes on bank deposits held by foreigners.

 

Source : CIA


Comments about your request

 

Note: The requested phone number 041 7496560 is an additional phone number.

 

 

Company Name

 

BOSSARD AG

 

 

Operating address

 

Steinhauserstrasse 70

Postfach

6301 Zug/ZG

Switzerland/CH

 

Telephone:        041 7496611

                        041 7496339

Fax:                  041 7496622

                        041 7496011

 

Web site:          http://www.bossard.com

E-mail:              bossard@bossard.com

 

WIN Worldbox No.:       CH0000042534

VAT-No.:                       CHE-116.282.230 MWST

UID-No.:                       CHE101058161

 

 

Profile

 

Established:                  1831

History:                         1973:    Limited company

Line of Business:          Consumer goods wholesale

Industry Division:          Wholesale trade

Industry-code (NACE):   4672     Wholesale of metals and metal ores

Import/Export:               Export

Quality certification:       ISO 9001 2008

                                    ISO 14001 2004

Banks:                          UBS AG, Baarerstrasse 14a, 6301 Zug, Swift: UBSWCHZH63A

                                    CREDIT SUISSE (4), Bahnhofstrasse 17, 6301 Zug, Swift: CRESCHZZ63A

 

 

Operational Figures

 

Coverage:         Company

Figures:            estimated

Financial year:   2015

Employees:      300

Sales:               CHF 44,000,000.--

 

 

Activity

 

The business activities includes trading in consumer goods of the connection-, manufacturing-, testing- and assembly technology. The range includes bolts, nuts, rivets, washers, connecting elements.

 

 

Real Estate

 

Information on property ownership was not available.

 

 

Company Register

 

Company No:                170.3.005.204-5

UID-No.:                       CHE101058161

Legal form:                   Company limited by shares

Registration:                 26.03.1973

Legal status:                 active

Responsible Register:   Handelsregister des Kantons Zug

History:                         Date of Statutes: 08.06.1983

                                    Date of Statutes: 09.09.1996

 

Entry    Deleted Name

active               Bossard AG

active               Bossard Ltd (Name translated)

active               Bossard SA (Name translated)

 

Entry    Deleted Legal domicile

active               Zug, Switzerland

 

Entry    Deleted Address

13.04.2004                    Steinhauserstrasse 70, 6301 Zug, Switzerland/CH

            13.04.2004        Steinhauserstrasse 70, 6300 Zug/ZG, Switzerland/CH

 

Entry    Deleted Capital

11.09.1996                    Share Capital CHF 12,000,000, paidup CHF 12,000,000

 

Entry    Deleted Capital Structure

11.09.1996                    120,000 Registered shares with restricted transferability of CHF 100.--

 

 

 

Official Administration

 

Title      Name

President          David Dean

            Citizen: Volketswil, Switzerland

            Residential address: Meilen, Switzerland

            joint signature of two

Director            Stephan Zehnder

            Citizen: Zug, Switzerland

            Residential address: 63123 Steinhausen/ZG, Switzerland

            joint signature of two

            Registered since: 02.02.1999

 

 

Management

 

Title      Name

Director            Daniel Bossard

            Citizen: Zug, Switzerland

            Residential address: Hünenberg, Switzerland

            joint signature of two

            Registered since: 14.06.2007

Director            Beat Grob

            Citizen: Cham, Switzerland

            Residential address: 6330 Cham/ZG, Switzerland

            joint signature of two

            Registered since: 20.01.1997

Director            Stephan Zehnder

            Citizen: Zug, Switzerland

            Residential address: 63123 Steinhausen/ZG, Switzerland

            joint signature of two

            Registered since: 02.02.1999

Vice-Director     Alexander Angst

            Citizen: Horgen, Switzerland

            Residential address: 6300 Zug/ZG, Switzerland

            joint signature of two

            Registered since: 04.06.2009

Vice-Director     Andreas Bertaggia

            Citizen: Zug, Switzerland

            Residential address: Zug, Switzerland

            joint signature of two

            Registered since: 07.04.2006

Vice-Director     Albert Britschgi

            Citizen: Sarnen, Switzerland

            Residential address: Zürich, Switzerland

            joint signature of two

            Registered since: 20.02.2002

Vice-Director     Markus A. Burkard

            Citizen: Sursee, Switzerland

            Residential address: Eich, Switzerland

            joint signature of two

Vice-Director     Manuel Caccetta

            Citizen: Luzern, Switzerland

            Residential address: Root, Switzerland

            joint signature of two

            Registered since: 09.07.2008

Vice-Director     Gebhard Elsener

            Citizen: Menzingen, Switzerland

            Residential address: Hünenberg, Switzerland

            joint signature of two

Vice-Director     Urs Güttinger

            Citizen: Opfikon, Switzerland

            Residential address: Steinhausen, Switzerland

            joint signature of two

            Registered since: 08.02.2000

Vice-Director     Armin Huber

            Citizen: Kriens, Switzerland

            Residential address: Rickenbach /AG, Switzerland

            joint signature of two

            Registered since: 26.02.2014

Vice-Director     Erica Jakober

            Citizen: Glarus, Schänis, Switzerland

            Residential address: Hünenberg, Switzerland

            joint signature of two

            Registered since: 29.06.1995

Vice-Director     Peter Kammüller

            Citizen: Neuheim, Switzerland

            Residential address: Menzingen, Switzerland

            joint signature of two

            Registered since: 26.02.2014

Vice-Director     Jacqueline Kaufmann

            Citizen: Winikon, Switzerland

            Residential address: 8912 Obfelden/ZH, Switzerland

            joint signature of two

            Registered since: 01.02.2006

Vice-Director     Stefan Müller

            Citizen: Seuzach, Switzerland

            Residential address: Geroldswil, Switzerland

            joint signature of two

            Registered since: 09.07.2008

Vice-Director     Jeremias Näf

            Citizen: Menznau, Switzerland

            Residential address: Rickenbach /LU, Switzerland

            joint signature of two

            Registered since: 24.05.2011

Vice-Director     Tee Bin Ong

            Citizen: Malaysia

            Residential address: 6300 Zug/ZG, Switzerland

            joint signature of two

            Registered since: 22.01.2009

Vice-Director     Guido Pfister

            Citizen: Dagmersellen, Switzerland

            Residential address: 6204 Sempach Stadt/LU, Switzerland

            joint signature of two

            Registered since: 09.07.2008

Vice-Director     Martin Rüedy

            Citizen: Gächlingen, Switzerland

            Residential address: Steinhausen, Switzerland

            joint signature of two

            Registered since: 27.01.2003

Vice-Director     Daniel Stutz

            Citizen: Arni AG, Islisberg, Switzerland

            Residential address: 6344 Meierskappel/LU, Switzerland

            joint signature of two

            Registered since: 27.01.2003

Vice-Director     Philippe Züllig

            Citizen: Amriswil, Switzerland

            Residential address:  Wettswil am Albis, Switzerland

            joint signature of two

            Registered since: 09.07.2014

Member with procuration            Christoph Brun

            Citizen: Reiden,  Dagmersellen, Switzerland

            Residential address: Luzern, Switzerland

            joint power of attorney of two

            Registered since: 01.02.2006

Member with procuration            Beat Burkard

            Citizen: Beromünster, Switzerland

            Residential address: Schenkon, Switzerland

            joint power of attorney of two

            Registered since: 20.05.2014

Member with procuration            Henrik Christensen

            Citizen: Denmark

            Residential address: Baar, Switzerland

            joint power of attorney of two

            Registered since: 20.05.2014

Member with procuration            Bernardo Egli

            Citizen: Affoltern am Albis, Switzerland

            Residential address: Walchwil, Switzerland

            joint power of attorney of two

            Registered since: 29.05.2013

Member with procuration            Jürgen Eixler

            Citizen: Winterthur, Switzerland

            Residential address: Hünenberg, Switzerland

            joint power of attorney of two

            Registered since: 16.05.2012

Member with procuration            Renato Guccione

            Citizen: Italy

            Residential address: 5406 Rütihof/AG, Switzerland

            joint power of attorney of two

            Registered since: 14.06.2010

Member with procuration            Kurt Hürlimann

            Citizen: Dürnten, Switzerland

            Residential address: Unterägeri, Switzerland

            joint power of attorney of two

            Registered since: 24.05.2011

Member with procuration            Alexander Kaiser

            Citizen: Ennetmoos, Switzerland

            Residential address: Wettswil am Albis, Switzerland

            joint power of attorney of two

            Registered since: 21.11.2011

Member with procuration            Tobias Mayr

            Citizen: Germany

            Residential address: Bergdietikon, Switzerland

            joint power of attorney of two

            Registered since: 27.05.2015

Member with procuration            Guido Osterwalder

            Citizen: Emmen, Waldkirch, Switzerland

            Residential address: Luzern, Switzerland

            joint power of attorney of two

            Registered since: 29.06.1995

Member with procuration            Claudia Rechsteiner

            Citizen: Appenzell, Switzerland

            Residential address: Hünenberg, Switzerland

            joint power of attorney of two

            Registered since: 24.05.2011

Member with procuration            Patrick Tschan

            Citizen: Basel, Switzerland

            Residential address: Steinhausen, Switzerland

            joint power of attorney of two

            Registered since: 05.02.2013

Member with procuration            Franz Weingand

            Citizen: Sins, Switzerland

            Residential address: Steinhausen, Switzerland

            joint power of attorney of two

            Registered since: 24.05.2011

Member with procuration            Peter Wetzel

            Citizen: Zürich, Switzerland

            Residential address: Adligenswil, Switzerland

            joint power of attorney of two

            Registered since: 20.05.2014

Member with procuration            Herbert Wildi

            Citizen: Schafisheim, Switzerland

            Residential address: Unterägeri, Switzerland

            joint power of attorney of two

Member with procuration            Erika Winteler Walser

            Citizen: Glarus Nord, Switzerland

            Residential address: Oberrüti, Switzerland

            joint power of attorney of two

            Registered since: 20.05.2014

Member with procuration            Roger Zurfluh

            Citizen: Gurtnellen, Switzerland

            Residential address: Schattdorf, Switzerland

            joint power of attorney of two

            Registered since: 27.05.2015

 

 

External Positions

 

Title      Name

Auditor PricewaterhouseCoopers AG

            Residential address: Zürich, Switzerland

            Id: CH-020.3.020.876-5

            Registered since: 25.09.2000

 

 

Executive board

 

Title      Name

Chief Executive Officer  Beat Grob

Chief Human Resources Officer Erica Jakober (ejakober@bossard.com)

 

 

Ultimate Parent Company

 

Name:   Bossard Holding AG

City/Country:     Zug/ZG, Switzerland/CH

 

 

Direct owner/-s

 

No. of owner/-s:            1

Owner:  The company is domestic owned.

 

Class:   100%

Name:   Bossard Holding AG

City/Country:     Zug/ZG, Switzerland/CH

Interest:            100,00% voting right, 100,00% capital interest

 

 

Sisters

 

Name:   Bossard Finance AG

City/Country:     Zug/ZG, Switzerland/CH

 

 

Financial Data Bossard Holding AG

 

Consolidation:              consolidated

Industry:                       Trade/Industry

 

Fiscal year end:                                    31.12.2014        31.12.2013        31.12.2012        31.12.2011        31.12.2010

Number of months:                                     12                    12                    12                    12                    12

Currency:                                                th. CHF            th. CHF            th. CHF            th. CHF            th. CHF

Statement norm:                                  Local GAAP     Local GAAP     Local GAAP     Local GAAP     Local GAAP

 

Balance Sheet

Intangible fixed assets                                  3,669.0             3,364.0             3,277.0             2,813.0             3,429.0

Land and buildings                                     57,066.0           57,770.0           54,475.0           36,376.0           37,773.0

Other tangible fixed assets                          29,996.0           29,630.0           31,726.0           28,520.0           17,220.0

Tangible fixed assets                                  87,062.0           87,400.0           86,201.0           64,896.0           54,993.0

Financial fixed assets                                 11,450.0             1,651.0             1,247.0             1,611.0             1,548.0

other fixed assets                                         7,109.0             5,460.0             5,004.0             2,472.0             2,120.0

Fixed assets                                             109,290.0           97,875.0           95,729.0           71,792.0           62,090.0

 

Stocks                                                      189,853.0          160,748.0         155,583.0          153,585.0         126,018.0

Trade accounts receivable                           95,347.0           89,435.0           85,299.0           79,962.0           74,268.0

Cash & Cash Equivalents                            25,418.0           25,446.0           25,629.0           15,647.0           18,980.0

Securities                                                                                                                                                          0.0

other trade accounts                                     7,602.0             5,397.0             5,773.0             2,080.0             2,024.0

Accruals                                                       6,870.0             8,050.0             8,290.0             7,965.0             9,363.0

Other current assets                                    39,890.0           38,893.0           39,692.0           25,692.0           30,367.0

Current assets                                          325,090.0          289,076.0         280,574.0          259,239.0         230,653.0

 

Total assets                                             434,380.0          386,951.0         376,303.0          331,031.0         292,743.0

 

Capital                                                       40,000.0           40,000.0           32,000.0           32,000.0           32,000.0

Other shareholders funds                          166,851.0          124,312.0           14,681.0          170,691.0         143,751.0

Total shareholders equity                        206,851.0          164,312.0           46,681.0          202,691.0         175,751.0

 

Minority interests                                          3,752.0             2,986.0             3,427.0             3,549.0             3,603.0

long term debt (financial debts)                   65,000.0           80,000.0         110,000.0                   0.0                   0.0

Provisions                                                    4,945.0             4,417.0             6,870.0             1,251.0             1,518.0

Other non current liabilities                            4,536.0             5,374.0             3,713.0             2,438.0             2,495.0

Non current liabilities                                74,481.0           89,791.0         120,583.0             3,689.0             4,013.0

 

short term debt (financial debts)                  58,293.0           46,609.0         117,814.0           45,254.0           44,727.0

Trade accounts payable                              42,918.0           38,711.0           38,657.0           30,984.0           27,727.0

Provisions                                                      533.0                705.0                979.0             1,254.0                846.0

Accruals                                                     23,819.0           24,569.0           23,853.0           24,481.0           24,154.0

other accounts payable                               23,733.0           19,268.0           24,309.0           19,129.0           11,922.0

other current liabilities                                 48,085.0           44,542.0           49,141.0           44,864.0           36,922.0

Current liabilities                                     149,296.0          129,862.0         205,612.0          121,102.0         109,376.0

 

Shareh. equity, min. int. & liabilities        434,380.0          386,951.0         376,303.0          331,031.0         292,743.0

 

Profit and loss account

Sales                                                        621,295.0          609,714.0         487,094.0          473,484.0         477,609.0

Reduction of proceeds                                 3,531.0           19,555.0           15,921.0           15,767.0           18,885.0

Net sales                                                  617,764.0          590,159.0         471,173.0          457,717.0         458,724.0

Other operating revenue                                      0.0                   0.0             3,279.0                   0.0                   0.0

Operating revenue                                   617,764.0          590,159.0         474,452.0          457,717.0         458,724.0

 

Cost of goods sold                                  420,633.0          348,124.0         283,695.0          272,165.0         270,307.0

Gross profit                                              197,131.0          242,035.0         190,757.0          185,552.0         188,417.0

Other operating expenses                          124,328.0          172,252.0         139,847.0          135,292.0         141,151.0

Operating result                                         72,803.0           69,783.0           50,910.0           50,260.0           47,266.0

 

Interest revenues                                             823.0                303.0                338.0                400.0                533.0

other financial revenues                                   689.0                945.0             1,279.0                953.0             6,667.0

Financial income                                           1,512.0             1,248.0             1,617.0             1,353.0             7,200.0

Interest expenses                                         3,837.0             4,528.0             2,258.0             1,920.0             2,392.0

other financial expenses                                  819.0                803.0             1,165.0             1,518.0             6,686.0

Financial expenses                                       4,656.0             5,331.0             3,423.0             3,438.0             9,078.0

Financial result                                            -3,144.0            -4,083.0            -1,806.0            -2,085.0            -1,878.0

Result before extraordinary items              69,659.0           65,700.0           49,104.0           48,175.0           45,388.0

 

Extraordinary Result                                            0.0                   0.0                   0.0                   0.0                   0.0

Result before taxes                                    69,659.0           65,700.0           49,104.0           48,175.0           45,388.0

 

Taxes                                                         12,531.0             9,699.0             6,197.0             3,362.0                460.0

Result before minority interests                   57,128.0           56,001.0           42,907.0           44,813.0           44,928.0

minority interests                                             473.0                  41.0                 41.0                553.0                664.0

Result for the financial year                       56,655.0           55,960.0           42,866.0           44,260.0           44,264.0

 

Cash flow

Depreciation                                               12,449.0           12,315.0           10,447.0             9,836.0             8,898.0

Cash flow                                                   69,577.0           68,316.0           53,354.0           54,649.0           53,826.0

Cash flow from operating activities              47,518.0           57,007.0           56,319.0           25,942.0           28,366.0

Investments in tangible fixed assets              9,981.0           13,292.0           21,482.0           12,231.0             7,122.0

Cash flow from investing activities              -20,595.0          -18,571.0        -210,807.0          -12,810.0            -5,898.0

Cash flow from financing activities             -28,170.0          -38,350.0         164,647.0          -16,626.0          -24,209.0

Others                                                          1,219.0               -269.0               -177.0                161.0            -1,718.0

Change in liquidity                                            -28.0               -183.0             9,982.0            -3,333.0            -3,459.0

Liquidity at beginning of the year                 25,446.0           25,629.0           15,647.0           18,980.0           22,439.0

Liquidity at end of the year                          25,418.0           25,446.0           25,629.0           15,647.0           18,980.0

 

Notes

Material costs                                           420,633.0          348,124.0         283,695.0          272,165.0         270,307.0

Cost of employees                                   129,401.0          123,388.0           99,627.0           96,986.0           99,393.0

Added value                                             215,346.0          205,931.0         161,436.0          156,917.0         156,071.0

Working Capital                                         242,282.0          211,472.0         202,225.0          202,563.0         172,559.0

Net Current Assets                                    175,794.0          159,214.0           74,962.0          138,137.0         121,277.0

Sales per Employee                                        320.7                320.4                303.8                306.6                329.3

Market capitalisation                                  826,000.0          780,900.0         399,500.0          303,633.1         324,881.2

Gross cost land and buildings                   103,096.0          101,050.0           95,162.0           75,093.0           74,815.0

Gross cost other tangible fixed assets       108,642.0          102,850.0         106,537.0          100,224.0           88,667.0

Gross cost total                                        211,738.0          203,900.0         201,699.0          175,317.0         163,482.0

Insurance value total                                  194,000.0          182,100.0         179,400.0          161,400.0         151,300.0

 

Employees  at year end                                   1,926                1,842

Full time units average                                     1,806                1,767                1,551                1,493                1,393

 

 

Investments

 

Class:   100%

Name:   Bossard SK, spol. s r.o. v likvidácii

City/Country:     Dubnica nad Váhom, Slovakia/SK

Interest:            100,00% voting right, 100,00% capital interest (since 23.02.2007)

 

 

Financials

 

Balance sheet publication:        

The subject company does not publish balance sheet or turnover figures.

 

 

Legal Actions

 

Control date      Year     No.       Amount CHF     Status

21.05.2014        2014     0                      Legal actions

31.12.2013        2013     1          105,340.--          Opposition filed

31.12.2012        2012     0                      Legal actions

31.12.2011        2011     0                      Legal actions

31.12.2010        2010     0                      Legal actions

31.12.2009        2009     0                      Legal actions

06.09.2007        2007     0                      Legal actions

31.12.2006        2006     0                      Legal actions

31.12.2005        2005     0                      Legal actions

Official bankruptcy reports:

No bankruptcy publications available on the subject.

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 

 

Sanctions List

 

The company is not listed in the World Compliance database.

 

 

Payment experiences

 

Debt Collection Case:

JAN 2014: CHF 90.00, last legal demand.

 

 

Remarks

 

Note: The VAT number - CHE-116.282.230 MWST - is the Group VAT number.

 

 

 

Credit Information

 

Financial Statements:    The company does not disclose any financial statements. Third parties are not permitted

any insight into the financial affairs. It is therefore difficult to make a proper assessment of the actual situation.

 

Financial Situation:        The financial situation is considered to be good.

 

Payment experiences:   Financial obligations are met as appropriate.

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.62

UK Pound

1

Rs.100.34

Euro

1

Rs.70.67

CHF

1

Rs.65.19

 

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

TPT

 


               

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.