MIRA INFORM REPORT

 

 

Report No. :

352424

Report Date :

10.12.2015

 

IDENTIFICATION DETAILS

 

Name :

ARDEN HOLDINGS INC

 

 

Registered Office :

2575 Bd Pitfield, Montreal, Quebec H4S 1T2

 

 

Country :

Canada

 

 

Date of Incorporation :

23.03.1995

 

 

Legal Form :

Corporation – Profit

 

 

Line of Business :

Subject is one of Canada’s premier fashion retailers with over 400 stores nationwide.

 

 

No. of Employee :

800+

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Aa

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

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)

Canada

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

CANADA - ECONOMIC OVERVIEW

 

As a high-tech industrial society in the trillion-dollar class, Canada resembles the US in its market-oriented economic system, pattern of production, and high living standards. Since World War II, the impressive growth of the manufacturing, mining, and service sectors has transformed the nation from a largely rural economy into one primarily industrial and urban. The 1989 US-Canada Free Trade Agreement (FTA) and the 1994 North American Free Trade Agreement (NAFTA) (which includes Mexico) touched off a dramatic increase in trade and economic integration with the US, its principal trading partner. Canada enjoys a substantial trade surplus with the US, which absorbs about three-fourths of Canadian merchandise exports each year. Canada is the US's largest foreign supplier of energy, including oil, gas, and electric power, and a top source of US uranium imports. Given its abundant natural resources, highly skilled labor force, and modern capital plant, Canada enjoyed solid economic growth from 1993 through 2007. Buffeted by the global economic crisis, the economy dropped into a sharp recession in the final months of 2008, and Ottawa posted its first fiscal deficit in 2009 after 12 years of surplus. Canada's major banks, however, emerged from the financial crisis of 2008-09 among the strongest in the world, owing to the early intervention by the Bank of Canada and the financial sector's tradition of conservative lending practices and strong capitalization. Canada achieved marginal growth in 2010-14 and plans to balance the budget by 2015 despite the recent drop in oil prices. In addition, the country's petroleum sector is rapidly expanding, because Alberta's oil sands significantly boosted Canada's proven oil reserves. Canada now ranks third in the world in proved oil reserves behind Saudi Arabia and Venezuela and is the world’s fifth-largest oil producer.

 

Source : CIA

 

Company summery

 

Company name:            LES PLACEMENTS ARDEN INC. (in French)

                                    ARDEN HOLDINGS INC. (in English)

 

Address:                                   2575 Bd Pitfield, Montreal, Quebec H4S 1T2 - Canada

 

Telephone:                    +1 514-383-4442

 

Fax:                              +1 514-382-5754

 

Website:                                   www.ardene.com

 

Corporate ID#:              1160584208

 

State:                           Ontario

 

Judicial form:                Corporation – Profit

 

Date incorporated:        February 1, 2002

 

Date founded:              March 23, 1995

 

Stock:                           -

 

Value:                           -

 

Name of manager:         Mark DERVISHIAN

 

 

ACTIVITIES & OPERATIONS

 

History:

 

Business issued from the merger of:

 

LES PLACEMENTS ARDEN INC.

Quebec ID# 1144135788

 

9109-5901 QUEBEC INC.

Quebec ID# 1160408853

 

 

IST

 

Business:

 

Ardene is one of Canada’s premier fashion retailers with over 400 stores nationwide.

From its start as a fashion accessory and jewelry store, Ardene has grown to become a truly unique one-stop shopping destination!

With a product assortment which includes shoes, accessories, jewelry, clothing, intimates and beauty products, ARDENE offers girls the exciting opportunity to dress themselves from head to toe in one store!

 

 

Staff:    800+

 

 

Operations & branches:

 

At the headquarters, we find a major store and office.

 

The Company maintains over 400 stores in Canada.

 

 

SHAREHOLDERS & MANAGERS

 

Shareholders:

 

1st shareholder (+50%):

Arden DERVISHIAN

 

2nd shareholder:

4233964 CANADA INC.

 

 

Management:

 

Aden DERVISHIAN, President and Director.

Mark DERVISHIAN, Director and CEO ‘since June 11, 2015)

Jerry DERVISHIAN, Treasurer

Dorine DERVISHIAN, Purchasing Manager

 

 

Subsidiaries

And partnership:

 

ARDENE INTERNATIONAL INC.

Federal Corporation

Incorporated on December 6, 2007

ID# 6885730

 

 

 

FINANCIALS

 

In Canada, privately held corporations are not required to publish any financials.

 

On a direct call, a Secretary controlled the present report but deferred any financials.

We sent a fax but no answer received.

 

However, sales estimate for year 2014 is in excess of CAD 100,000,000+

 

The business is profitable.

 

Banks:  Banque de Montreal

                                            

 

LEGAL FILINGS

 

Legal filings & complaints:

 

As of today date, there is no legal filing pending with the Courts.

 

 

Secured debts summary:   Several

 

Haut du formulaire

 

 

COMPANY CREDIT HISTORY

 

Trade references:

 

Date reported:               November 2015

High credit:                   USD 100,000+

Now owing:                   0

Past due:                      0

Last purchase:              October 2015

Line of business:           Office supply

Paying status:               On terms

 

Date reported:               November 2015

High credit:                   USD 1,500,000

Now owing:                   0

Past due:                      0

Last purchase:              October 2015

Line of business:           Payroll

Paying status:               As agreed

 

Date reported:               November 2015

High credit:                   USD 15,000

Now owing:                   0

Past due:                      0

Last purchase:              October 2015

Line of business:           Telecommunications

Paying status:               On terms

 

 

Domestic credit history:

 

National Credit Bureaus gave a satisfying credit risk.

 

According to our credit analysts, during the last 6 months, domestic payments were made on due date.

 

 

International credit history:

 

Payments of imports are currently made on terms.

 

 

Other comments:

 

The Company maintains a regular business.

 

The bank confirmed

 

The Company is in good standing.

This means that all local and federal taxes were paid on due date.

Last report was filed on 07-23-2015.

 

The risk is low.

 

 

Our opinion:

 

A business connection may be conducted.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.75

UK Pound

1

Rs.100.29

Euro

1

Rs.72.89

CAD

1

Rs.49.27

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

TRU

 


 

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.