MIRA INFORM REPORT

 

 

Report No. :

353025

Report Date :

10.12.2015

 

IDENTIFICATION DETAILS

 

Name :

CSM DEUTSCHLAND GMBH

 

 

Registered Office :

Theodor-Heuss-Allee 8, D 28215 Bremen, Post Box: 10 78 69,  Bremen

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

21.11.1997

 

 

Com. Reg. No.:

HRB 20780 HB

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

·         Manufacture of margarine and similar edible fats

·         Manufacture of other food products.

 

 

No. of Employees :

1,090

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

660,000 EUR

Status :

Moderate

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)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.2% in 2014. The new German government introduced a minimum wage of about $11.60 (8.50 euros) per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. The budget was essentially in balance in 2014. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. The German economy suffers from low levels of investment, and a government plan to invest 15 billion euros 2016-18, largely in infrastructure, is intended to spur needed private investment. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany plans to replace nuclear power with renewable energy, which accounted for 27.8% of gross electricity consumption in 2014, up from 9% in 2000. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production. Extremely low inflation, caused largely by low global energy prices and a weak euro, are expected to boost German GDP growth in 2015.

 

Source : CIA

 


Company name & address

 

CSM DEUTSCHLAND GMBH

 

 Company Status:         active

                                    Theodor-Heuss-Allee 8

                                    D 28215 Bremen

                                    Post Box:

                                    10 78 69,  Bremen

                                    Telephone:0421/35020

                                    Telefax:  0421/3502355

                                    Homepage: www.csmbakerysolutions.com

                                    E-mail:   info.deutschland@csmbakerysolutions.com

 

 VAT no.:                      DE200562887

 

 

CONCLUSION

 

 Business relations are permissible.

 

 LEGAL FORM           Private limited company

 Date of foundation:  21.11.1997

 Shareholders'

 agreement:           21.11.1997

 Registered on:       27.03.2002

 Commercial Register: Local court 28195 Bremen

 under:               HRB 20780 HB

 

 Share capital:                          EUR             90,000.00

 

 Shareholder:

                      CSM Holdinggesellschaft mbH

                      Mainzer Str. 152-160

                      D 55411 Bingen

                      Legal form: Private limited company

                      Share capital:  EUR          3,001,000.00

                      Share:             EUR             90,000.00

                      Registered on: 14.03.2000

                      Reg. data: 55116 Mainz, HRB 23063

                      Control and profit transfer agreement

 Manager:

                      Frans G. Theeuwes

                      D 68526 Ladenburg

                      born: 26.07.1968

 Manager:

                      Holger Eckmanns

                      D 89250 Senden

                      born: 02.09.1963

 Manager:

                      Thomas Tanck

                      D 65033 Wiesbaden

                      born: 21.03.1963

 President of the Supervisory Board:

                      Maarten Dirk Bok

                      NL  Hoorn

                      Nationality: Dutch

                      Marital status: unknown

 Vice-president of the Supervisory Board:

                      Werner Härter

                      Hauptstr. 35

                      D 56290 Beltheim

 Member of the Supervisory Board:

                      Dorus Landweer

                      NL 1107 Amsterdam

                      Nationality: Dutch

                      Marital status: unknown

 Proxy:

                      Thomas Pußkeiler

                      Habsburgerstr. 9

                      D 86836 Untermeitingen

                      authorized to jointly represent the company

                      born: 07.11.1965

                      Profession: Businessman

                      Marital status: married

 Proxy:

                      Andreas Witte

                      D 27777 Ganderkesee

                      authorized to jointly represent the company

                      born: 24.02.1963

 Proxy:

                      Helmut Gerber

                      D 30938 Burgwedel

                      authorized to jointly represent the company

                      born: 12.09.1959

 Proxy:

                      Manfred Laukamp

                      D 55218 Ingelheim

                      authorized to jointly represent the company

                      born: 04.01.1967

                      Marital status: unknown

 Proxy:

                      Björn Quakernack

                      D 28832 Achim

                      authorized to jointly represent the company

                      born: 12.02.1972

 Proxy:

                      Leonardo Rava

                      I  Soresino

                      authorized to jointly represent the company

                      born: 22.03.1969

                      Nationality: Italian

 

 Further functions/participations of Frans G. Theeuwes (Manager)

 Manager:

                      CSM Holdinggesellschaft mbH

                      Mainzer Str. 152-160

                      D 55411 Bingen

                      Legal form: Private limited company

                      Share capital:     EUR          3,001,000.00

                      Registered

                      on:         14.03.2000

                      Reg. data:  55116 Mainz, HRB 23063

 Manager:

                      The Creative Food People GmbH

                      Theodor-Heuss-Allee 8

                      D 28215 Bremen

                      Legal form: Private limited company

                      Share capital:     EUR            153,400.00

                      Registered

                      on:         04.10.2004

                      Reg. data:  28195 Bremen, HRB 22362 HB

 Manager:

                      CSM Bakery Solutions GmbH

                      Mainzer Str. 152-160

                      D 55411 Bingen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         13.05.2013

                      Reg. data:  80333 München, HRB 205162

 Manager:

                      CSM Produktion GmbH

                      Theodor-Heuss-Allee 8

                      D 28215 Bremen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         24.02.2014

                      Reg. data:  28195 Bremen, HRB 29308 HB

 

 Further functions/participations of Holger Eckmanns (Manager)

 Manager:

                      CSM Produktion GmbH

                      Theodor-Heuss-Allee 8

                      D 28215 Bremen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         24.02.2014

                      Reg. data:  28195 Bremen, HRB 29308 HB

 

 Further functions/participations of Thomas Tanck (Manager)

 Manager:

                      CSM Holdinggesellschaft mbH

                      Mainzer Str. 152-160

                      D 55411 Bingen

                      Legal form: Private limited company

                      Share capital:     EUR          3,001,000.00

                      Registered

                      on:         14.03.2000

                      Reg. data:  55116 Mainz, HRB 23063

 Manager:

                      The Creative Food People GmbH

                      Theodor-Heuss-Allee 8

                      D 28215 Bremen

                      Legal form: Private limited company

                      Share capital:     EUR            153,400.00

                      Registered

                      on:         04.10.2004

                      Reg. data:  28195 Bremen, HRB 22362 HB

 Manager:

                      CSM Bakery Solutions GmbH

                      Mainzer Str. 152-160

                      D 55411 Bingen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         13.05.2013

                      Reg. data:  80333 München, HRB 205162

 Manager:

                      "Goliath" Dreiundsechzigste Beteiligungs-

                      und Verwaltungsgesellschaft mbH

                      Mainzer Str. 152-160

                      D 55411 Bingen

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.59

                      Registered

                      on:         15.06.1998

                      Reg. data:  55116 Mainz, HRB 22912

 Manager:

                      CSM Produktion GmbH

                      Theodor-Heuss-Allee 8

                      D 28215 Bremen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         24.02.2014

                      Reg. data:  28195 Bremen, HRB 29308 HB

 

COMPANY HISTORY

 

 29.05.1998 - 10.10.2001  BIB Bakery Ingredients Business GmbH

                          Mainzer Str.

                          D 55411 Bingen

                          Private limited company

 10.10.2001 - 27.03.2002  BakeMark Deutschland GmbH

                          Mainzer Str. 152-160

                          D 55411 Bingen

                          Private limited company

 27.03.2002 - 28.12.2009  BakeMark Deutschland GmbH

                          Theodor-Heuss-Allee 8

                          D 28215 Bremen

                          Private limited company

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 09.06.2010 - 16.03.2015  Manager

                          Bas Luten

                          NL ES Kockengen

 

 

BUSINESS ACTIVITIES

 

 Main industrial sector

 10420   Manufacture of margarine and similar edible fats

10890   Manufacture of other food products n.e.c.

 

 

BRANCHES AND FACTORIES

 

 Works:

                      CSM Deutschland GmbH

                      Bremer Feld 1-4

                      D 27749 Delmenhorst

                      TEL.: 04221/159-0

 Branch:

                      CSM Deutschland GmbH

                      Hausener Str. 22 OT

                      Gerlenhofen

                      D 89233 Neu-Ulm

                      TEL.: 07307/9440

                      FAX.: 07307/944369

 Branch:

                      CSM Deutschland GmbH

                      Mainzer Str. 152-160

                      D 55411 Bingen

                      TEL.: 06721/790-0

 

 

FINANCIAL INFORMATION

 

Payment experience:  within periods customary in this trade

 

Negative information:We have no negative information at hand.

 

Maximum credit:      660,000 EUR

 

Balance sheet year:  2014

 

 PMI:                 No significant / relevant payment experience

                      information pertaining to the company

                      inquired upon is shown in the Deutscher

                      Debitoren Monitor (DDMonitor).

 

 

REAL ESTATE

 

 Type of ownership:   Tenant

 Address              Theodor-Heuss-Allee 8

                      D 28215 Bremen

 

 Land register documents were not available.

 

 

BANKERS

 

 DEUTSCHE BANK, 28189 BREMEN

 Sort. code: 29070050, Account no.: 244140000

 BIC: DEUTDEHBXXX, IBAN: DE80290700500244140000

 

 

FINANCIAL FIGURES

 

 Turnover:            2013               EUR        393,271,071.00

                      2014               EUR        386,463,801.00

 Profit:              2013               EUR         -4,269,256.00

                      2014               EUR           -433,620.00

 further business figures:

 Equipment:                              EUR          3,220,922.00

 Ac/ts receivable:                       EUR        129,568,313.00

 Liabilities:                            EUR         50,196,047.00

 Real estate of the firm:                EUR            424,622.00

 Employees:                                                  1,090

 

 Control and profit transfer agreement to:

                      CSM Holdinggesellschaft mbH

                      Mainzer Str. 152-160

                      D 55411 Bingen

 

 

BALANCE SHEETS

 

 Balance sheet ratios 01.01.2014 - 31.12.2014

 Equity ratio [%]:                -47.75

 Liquidity ratio:                   0.79

 Return on total capital [%]:      -0.42

 

 Balance sheet ratios 01.01.2013 - 31.12.2013

 Equity ratio [%]:                -55.20

 Liquidity ratio:                   0.77

 Return on total capital [%]:      -2.51

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                -47.32

 Liquidity ratio:                   0.87

 Return on total capital [%]:     -12.74

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                -34.53

 Liquidity ratio:                   0.84

 Return on total capital [%]:      -2.47

 

 EQUITY RATIO

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 LIQUIDITY RATIO

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 RETURN ON TOTAL CAPITAL

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

Type of balance sheet:               Company balance sheet

 Origin of the present

 balance sheet:       self-disclosure

 

 Financial year:      01.01.2014 - 31.12.2014

 

 ASSETS                                  EUR        202,464,040.23

  Fixed assets                           EUR         36,190,643.77

   Intangible assets                     EUR          9,572,289.48

    Concessions, licences, rights        EUR            239,819.48

    Goodwill                             EUR          9,332,470.00

   Tangible assets                       EUR         26,613,526.22

    Land / similar rights                EUR            424,622.00

    Plant / machinery                    EUR         12,086,953.00

    Other tangible assets / fixtures and

    fittings                             EUR          3,220,922.00

    Advance payments made / construction

    in progress                          EUR         10,881,029.22

   Financial assets                      EUR              4,828.07

    Other loans                          EUR              4,828.07

  Current assets                         EUR        165,923,486.11

   Stocks                                EUR         36,253,202.17

    Raw materials, consumables and

    supplies                             EUR         12,842,351.24

    Finished goods / work in progress    EUR         23,406,715.33

    Advance payments made                EUR              4,135.60

   Accounts receivable                   EUR        129,568,312.63

    Amounts due from shareholders        EUR         90,130,434.33

    Trade debtors                        EUR         30,491,342.82

    Amounts due from related companies   EUR          7,870,510.55

    Other debtors and assets             EUR          1,076,024.93

   Liquid means                          EUR            101,971.31

  Remaining other assets                 EUR            349,910.35

   Accruals (assets)                     EUR            349,910.35

 

 LIABILITIES                             EUR        202,464,040.23

  Shareholders' equity                   EUR         50,216,124.67

   Capital                               EUR             90,000.00

    Subscribed capital (share capital)   EUR             90,000.00

   Reserves                              EUR         50,126,124.67

    Capital reserves                     EUR         50,000,000.00

    Retained earnings / revenue reserves EUR            126,124.67

  Provisions                             EUR        102,051,868.69

   Pension provisions and comparable

   provisions                            EUR         79,866,257.76

   Other / unspecified provisions        EUR         22,185,610.93

  Liabilities                            EUR         50,196,046.87

   Other liabilities                     EUR         50,196,046.87

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         42,461,184.88

    Liabilities due to shareholders      EUR             58,715.30

    Liabililties due to related companiesEUR          6,284,202.56

    Unspecified other liabilities        EUR          1,391,944.13

     thereof liabilities from tax /

     financial authorities               EUR            888,470.81

     thereof liabilities from social

     security                            EUR             34,176.77

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        386,463,801.11

  Inventory change + own costs (+/-)     EUR           -477,129.82

   Inventory change (+/-)                EUR           -477,129.82

  Other operating income                 EUR         24,057,350.73

  Cost of materials                      EUR        228,387,250.17

   Raw materials and supplies, purchased

   goods                                 EUR        225,140,126.90

   Purchased services                    EUR          3,247,123.27

  Gross result (+/-)                     EUR        181,656,771.85

  Staff expenses                         EUR         71,154,635.56

   Wages and salaries                    EUR         56,718,629.58

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         14,436,005.98

  Total depreciation                     EUR         16,659,336.56

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         16,659,336.56

  Other operating expenses               EUR         87,355,912.70

  Operating result from continuing

  operations                             EUR          6,486,887.03

  Interest result (+/-)                  EUR         -4,723,251.72

   Interest and similar income           EUR             46,908.61

    thereof from related companies       EUR             42,523.65

   Interest and similar expenses         EUR          4,770,160.33

    thereof paid to related companies    EUR            259,352.93

  Financial result (+/-)                 EUR         -4,723,251.72

  Result from ordinary operations (+/-)  EUR          1,763,635.31

  Extraordinary result (+/-)             EUR         -1,895,411.00

  Income from assumption of loss by

  parent company                         EUR            433,620.43

  Other taxes / refund of taxes          EUR           -301,844.74

  Tax (+/-)                              EUR           -301,844.74

  Annual surplus / annual deficit        EUR                  0.00

 

 Type of balance

 sheet:               Company balance sheet

 Origin of the present

 balance sheet:       electronic German Federal Gazette

 

 Financial year:      01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR        197,019,905.77

  Fixed assets                           EUR         44,195,907.90

   Intangible assets                     EUR         22,140,073.23

    Concessions, licences, rights        EUR            364,308.23

    Goodwill                             EUR         21,775,765.00

   Tangible assets                       EUR         22,049,134.91

    Land / similar rights                EUR          3,255,751.00

    Plant / machinery                    EUR         14,541,019.00

    Other tangible assets / fixtures and

    fittings                             EUR          3,565,710.00

    Advance payments made / construction

    in progress                          EUR            686,654.91

   Financial assets                      EUR              6,699.76

    Other loans                          EUR              6,699.76

  Current assets                         EUR        152,499,969.70

   Stocks                                EUR         35,563,815.37

    Raw materials, consumables and

    supplies                             EUR         11,917,109.78

    Finished goods / work in progress    EUR         23,646,705.59

   Accounts receivable                   EUR        116,510,707.44

    Amounts due from shareholders        EUR         80,680,403.15

    Trade debtors                        EUR         29,809,204.84

    Amounts due from related companies   EUR          5,051,495.30

    Other debtors and assets             EUR            969,604.15

   Liquid means                          EUR            425,446.89

  Remaining other assets                 EUR            324,028.17

   Accruals (assets)                     EUR            324,028.17

 

 LIABILITIES                             EUR        197,019,905.77

  Shareholders' equity                   EUR         50,216,124.67

   Capital                               EUR             90,000.00

    Subscribed capital (share capital)   EUR             90,000.00

   Reserves                              EUR         50,126,124.67

    Capital reserves                     EUR         50,000,000.00

    Retained earnings / revenue reserves EUR            126,124.67

  Provisions                             EUR         99,525,820.40

   Pension provisions and comparable

   provisions                            EUR         74,881,601.18

   Other / unspecified provisions        EUR         24,644,219.22

  Liabilities                            EUR         47,277,960.70

   Other liabilities                     EUR         47,277,960.70

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         40,625,310.79

    Liabilities due to shareholders      EUR             41,164.83

    Liabililties due to related companiesEUR          5,398,260.47

    Unspecified other liabilities        EUR          1,213,224.61

     thereof liabilities from tax /

     financial authorities               EUR            719,506.47

     thereof liabilities from social

     security                            EUR             30,156.52

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        393,271,070.61

  Inventory change + own costs (+/-)     EUR          1,884,051.16

   Inventory change (+/-)                EUR          1,884,051.16

  Other operating income                 EUR         16,198,857.91

  Cost of materials                      EUR        240,233,241.88

   Raw materials and supplies, purchased

   goods                                 EUR        237,955,628.86

   Purchased services                    EUR          2,277,613.02

  Gross result (+/-)                     EUR        171,120,737.80

  Staff expenses                         EUR         71,184,133.34

   Wages and salaries                    EUR         58,747,708.60

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         12,436,424.74

  Total depreciation                     EUR         17,762,199.25

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         17,762,199.25

  Other operating expenses               EUR         79,696,141.81

  Operating result from continuing

  operations                             EUR          2,478,263.40

  Interest result (+/-)                  EUR         -4,523,773.47

   Interest and similar income           EUR            103,820.90

    thereof from related companies       EUR            100,792.44

   Interest and similar expenses         EUR          4,627,594.37

    thereof paid to related companies    EUR              7,527.33

  Financial result (+/-)                 EUR         -4,523,773.47

  Result from ordinary operations (+/-)  EUR         -2,045,510.07

  Extraordinary expenses                 EUR          1,895,411.00

  Extraordinary result (+/-)             EUR         -1,895,411.00

  Income from assumption of loss by

  parent company                         EUR          4,269,256.35

  Other taxes / refund of taxes          EUR           -328,335.28

  Tax (+/-)                              EUR           -328,335.28

  Annual surplus / annual deficit        EUR                  0.00

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.75

UK Pound

1

Rs.100.29

Euro

1

Rs.72.89

EUR

1

Rs.73.27

 

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

HEE

 

 

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

 

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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.