MIRA INFORM REPORT

 

 

Report No. :

353415

Report Date :

11.12.2015

 

IDENTIFICATION DETAILS

 

Name :

DOW EUROPE GMBH

 

 

Registered Office :

Bachtobelstrasse 3, 8810 Horgen/ZH, Switzerland/CH

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

14.12.2001

 

 

Com. Reg. No.:

020.4.024.366-7

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

  • Commercial services, Pharmaceutics, Consumer goods wholesale
  • Other business support service activities
  • Other research and experimental development on natural sciences and engineering
  • Wholesale of chemical products

 

 

No. of Employee :

750

 

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

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

 

Company name and address

 

DOW EUROPE GMBH

 

Operating address:

Bachtobelstrasse 3

8810 Horgen/ZH

Switzerland/CH

 

Telephone:                   044 7282111

Fax:                             044 7282935

 

Web site:                      http://www.dow.ch

E-mail:                         info@dow.com

 

WIN Worldbox No.:       CH0000431315

VAT-No.:                      CHE-109.399.223 MWST

UID-No.:                       CHE109399223

 

 

Profile

 

Established:                 1974

Line of Business:          Commercial services, Pharmaceutics, Consumer goods wholesale

Industry Division:          Services, Wholesale trade

Industry-code (NACE):  8299       Other business support service activities n.e.c.

                                    7219       Other research and experimental development on natural sciences and engineering

                                    4675       Wholesale of chemical products

Import/Export:              Import, Export

Banks:                          unknown

 

 

Operational Figures

 

Coverage:                    Company

Financial year:              2015

Employees:                  750

Sales:                          CHF 400-600 Mio

Branches:                     3

 

 


Activity

 

At the regional headquarters and R&D hub in Horgen, Dow oversee business activities in Europe, Middle East, and Africa. In Horgen, they also conduct development for a wide range of applications such as the latest generation of insulation materials for fridges and buildings, packaging materials and adhesives for the automotive industry. At the R&D center in Freienbach (SZ), Dow scientists work on the latest customer applications for wind energy, building and construction, automotive and infrastructure. The two production sites in Buchs (SG) and Luzern (LU) manufacture quality products for a wide range of industries including electronics and personal care and are shipped to customers across Europe and beyond.

 

 

Real Estate

 

Real Estate:                  The company owns extensive property.

 

 

Company Register

 

Company No:               020.4.024.366-7

UID-No.:                       CHE109399223

Legal form:                   Limited Liability Company

Registration:                 14.12.2001

Legal status:                 active

Responsible Register:   Handelsregister des Kantons Zürich

History:                        Date of Statutes: 27.05.2010

                                    Date of Statutes: 08.12.2006

                                    Date of Incorporation Statutes: 29.11.2001

 

Entry          Deleted      Name

14.12.2001                    Dow Europe GmbH

 

Entry          Deleted      Legal domicile

14.12.2001                    Horgen, Switzerland

 

Entry          Deleted      Address

14.12.2001                    Bachtobelstrasse 3, 8810 Horgen/ZH, Switzerland/CH

 

Entry          Deleted      Capital

14.12.2001                    LLC Capital CHF 1,300,000

 

Entry          Deleted      Capital Structure

22.01.2007                    1 Participation shares of CHF 1,300,000.--

 

Entry          Deleted      Branches

13.08.2014                    Freienbach, Switzerland/CH

13.08.2014  15.12.2014  Horgen, Switzerland/CH

25.06.2003  13.08.2014  Wolleraustrasse 15 - 17, 8807 Freienbach/SZ, Switzerland/CH

19.03.2002  15.12.2014  Bachtobelstrasse 3, 8810 Horgen/ZH, Switzerland/CH

 

 

Management

 

Title                                           Name

General Manager                         Luis Antuna Calle

                                                  Citizen: Spain

                                                  Residential address: 8706 Meilen/ZH, Switzerland

                                                  single signature

                                                  Registered since: 23.02.2010

General Manager                         Luciano Poli

                                                  Citizen: Faido, Switzerland

                                                  Residential address: Wollerau/SZ, Switzerland

                                                  single signature

                                                  Registered since: 13.08.2014

Chairman of the management      Heinz Haller

                                                  Citizen: Gontenschwil, Switzerland

                                                  Residential address: Küsnacht /ZH, Switzerland

                                                  single signature

                                                  Registered since: 14.08.2012

Member with signing authority      Javier Constante

                                                  Citizen: Spain

                                                  Residential address: Zürich, Switzerland

                                                  single signature, Limited to the headquarters

                                                  Registered since: 13.09.2011

Member with signing authority      Gabriela Iten

                                                  Citizen: Unterägeri, Switzerland

                                                  Residential address: Schneisingen, Switzerland

                                                  joint signature of two, Limited to the headquarters

                                                  Registered since: 05.12.2014

Member with signing authority      Adriaan Tolboom

                                                  Citizen: Netherlands

                                                  Residential address: 8810 Horgen/ZH, Switzerland

                                                  single signature, Limited to the headquarters

                                                  Registered since: 07.04.2011

 

 

External Positions

 

Title                                           Name

Auditor                                       Deloitte AG

                                                  Residential address: Zürich, Switzerland

                                                  Id: CHE-101.377.666

                                                  Registered since: 07.02.2011

 

 

Executive board

 

Title                                           Name

Chief Executive Officer               Heinz Haller

 

 

Ultimate Parent Company

 

Name:                          The Dow Chemical Company

City/Country:                Midland/Michigan, United States of America/US

 

 

Direct owner/-s

 

No. of owner/-s:            1

Owner:                         The company is foreign owned.

 

Class:                          100%

Name:                          Dow Europe Holding B.V.

City/Country:                Hoek, Netherlands/NL

Capital share:               CHF 1,300,000.--

Interest:                        100,00% voting right, 100,00% capital interest (since 14.12.2001)

 

 

Financials

 

Financial Data The Dow Chemical Company

 

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:                                                mil. USD           mil. USD          mil. USD           mil. USD          mil. USD

 

Balance Sheet

Intangible fixed assets                                16,400.0           17,112.0           17,450.0           17,991.0           18,497.0

Tangible fixed assets                                  18,051.0           17,454.0           17,520.0           17,299.0           17,668.0

Financial fixed assets                                   6,640.0             7,407.0             6,999.0             5,913.0             6,383.0

other fixed assets                                         3,438.0             2,551.0             3,952.0             4,599.0             3,259.0

Fixed assets                                              44,529.0           44,524.0           45,921.0           45,802.0           45,807.0

 

Stocks                                                         8,101.0             8,303.0             8,476.0             7,577.0             7,087.0

Trade accounts receivable                             4,685.0             4,935.0             5,074.0             4,900.0             4,616.0

Cash & Cash Equivalents                              5,654.0             5,940.0             4,318.0             5,444.0             7,039.0

Securities                                                                                                                                  2.0

other trade accounts                                     5,827.0             5,799.0             5,816.0             5,499.0             5,039.0

Other current assets                                    11,481.0           11,739.0           10,134.0           10,945.0           12,078.0

Current assets                                           24,267.0           24,977.0           23,684.0           23,422.0           23,781.0

 

Total assets                                               68,796.0           69,501.0           69,605.0           69,224.0           69,588.0

 

Capital                                                       11,953.0           10,982.0           10,289.0             9,624.0             9,217.0

Other shareholders funds                            10,470.0           15,916.0           10,588.0           12,657.0           12,622.0

Total shareholders equity                          22,423.0           26,898.0           20,877.0           22,281.0           21,839.0

 

Minority interests                                          1,133.0             1,182.0             1,137.0             1,157.0                803.0

long term debt (financial debts)                   18,838.0           16,820.0           19,919.0           18,310.0           20,605.0

Other non current liabilities                          14,809.0           12,630.0           16,179.0           13,842.0           12,445.0

Non current liabilities                                33,647.0           29,450.0           36,098.0           32,152.0           33,050.0

 

short term debt (financial debts)                       945.0                997.0                991.0             2,749.0             1,755.0

Trade accounts payable                                4,481.0             4,733.0             5,087.0             4,778.0             4,356.0

Accruals                                                         855.0                968.0                620.0

other accounts payable                                 5,312.0             5,273.0             4,795.0             6,107.0             7,785.0

other current liabilities                                   6,167.0             6,241.0             5,415.0             6,107.0             7,785.0

Current liabilities                                       11,593.0           11,971.0           11,493.0           13,634.0           13,896.0

 

Shareh. equity, min. int. & liabilities          68,796.0           69,501.0           69,605.0           69,224.0           69,588.0

 

Profit and loss account

Sales                                                         58,167.0           57,080.0           56,786.0           59,985.0           53,674.0

Net sales                                                    58,167.0           57,080.0           56,786.0           59,985.0           53,674.0

Other operating revenue                                      3.0             2,573.0                146.0

Operating revenue                                     58,170.0           59,653.0           56,932.0           59,985.0           53,674.0

 

Cost of goods sold                                    47,464.0           47,594.0           47,792.0           51,029.0           45,780.0

Gross profit                                                10,706.0           12,059.0             9,140.0             8,956.0             7,894.0

Other operating expenses                             5,344.0             5,232.0             6,784.0             5,277.0             4,947.0

Operating result                                          5,362.0             6,827.0             2,356.0             3,679.0             2,947.0

 

Interest revenues                                               51.0                  41.0                 41.0                  40.0                 37.0

other financial revenues                                   835.0             3,726.0                537.0             1,223.0             1,291.0

Financial income                                             886.0             3,767.0                578.0             1,263.0             1,328.0

Interest expenses                                            983.0             1,101.0             1,269.0             1,341.0             1,473.0

other financial expenses                               3,190.0                                     1,520.0

Financial expenses                                       4,173.0             1,101.0             2,789.0             1,341.0             1,473.0

Financial result                                            -3,287.0             2,666.0            -2,211.0                 -78.0               -145.0

Result before extraordinary items                2,075.0             9,493.0                145.0             3,601.0             2,802.0

 

Extraordinary income                                                                                         0.0                   0.0                   0.0

Extraordinary expenses                                                                                      0.0                   0.0                340.0

Extraordinary Result                                                                                           0.0                   0.0               -340.0

Result before taxes                                      2,075.0             9,493.0                145.0             3,601.0             2,462.0

 

Taxes                                                           1,426.0             1,988.0                565.0                817.0                481.0

Result before minority interests                        649.0             7,505.0               -420.0             2,784.0             1,981.0

minority interests                                               35.0                  29.0                -82.0                  42.0                 11.0

Result for the financial year                            614.0             7,476.0               -338.0             2,742.0             1,970.0

 

Cash flow

Depreciation                                                 2,747.0             2,681.0             2,698.0             2,883.0             2,962.0

Cash flow                                                     3,396.0           10,186.0             2,278.0             5,667.0             4,943.0

Cash flow from operating activities                6,502.0             7,823.0             4,075.0             3,879.0             4,102.0

Investments in tangible fixed assets              3,572.0             2,302.0             2,614.0             2,687.0                 45.0

Cash flow from investing activities               -3,105.0            -1,469.0            -2,687.0            -1,994.0                135.0

Cash flow from financing activities               -3,583.0            -4,731.0            -2,530.0            -3,362.0               -178.0

Others                                                           -100.0                  -1.0                 16.0               -118.0                134.0

Change in liquidity                                          -286.0             1,622.0            -1,126.0            -1,595.0             4,193.0

Liquidity at beginning of the year                   5,940.0             4,318.0             5,444.0             7,039.0             2,846.0

Liquidity at end of the year                            5,654.0             5,940.0             4,318.0             5,444.0             7,039.0

 

 

Notes

 

Research and Development                          1,647.0             1,747.0             1,708.0             1,646.0             1,660.0

Added value                                                 5,805.0           13,275.0             4,112.0             7,825.0             6,897.0

Working Capital                                            8,305.0             8,505.0             8,463.0             7,699.0             7,347.0

Net Current Assets                                      12,674.0           13,006.0           12,191.0             9,788.0             9,885.0

Sales per Employee                                            1.1                   1.1                   1.1                   1.2                   1.1

Gross cost land and buildings                     11,564.0           10,267.0             9,921.0           12,372.0           10,062.0

Gross cost other tangible fixed assets         43,666.0           44,847.0           44,445.0           39,844.0           41,586.0

Gross cost total                                          55,230.0           55,114.0           54,366.0           52,216.0           51,648.0

 

Employees  at year end                                 53,000              53,000              54,000              51,705              49,505

 

 

Investments

 

Class:                          100%

Name:                          Dolpa S.a.r.l.

City/Country:                Luxembourg, Luxembourg/LU

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

 

Class:                          100%

Name:                          Dow Chemical IMEA GmbH

City/Country:                Horgen/ZH, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest (since 19.12.2001)

 

Class:                          100%

Name:                          Dow Contract Services FZE

City/Country:                Dubai/Dubai, Saudi Arabia/SA

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

 

Class:                          50%

Name:                          DOW-GACL SOLVENTURE LIMITED

City/Country:                VADODARA/Gujarat, India/IN

Interest:                        50,00% voting right, 50,00% capital interest

 

Class:                          20-29%

Name:                          Dow Egypt Services Limited

City/Country:                Cairo, Egypt/EG

Interest:                        25,00% voting right, 25,00% capital interest

 

Class:                          0-9%

Name:                          Dow Mideast Systems S.A.E. (JSC)

City/Country:                Egypt/EG

Interest:                        0,02% voting right, 0,02% capital interest

 

 

Financials

 

Balance sheet publication:     

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

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

01.06.2015          2015                           1                       212.--      Opposition filed

31.12.2014          2014                           5              1,015,259.--      Opposition filed

31.12.2013          2013                           1              1,000,000.--      Opposition filed

31.12.2012          2012                           1                       382.--      Open legal actions

31.12.2012          2012                           2                       266.--      Paid legal actions

31.12.2012          2012                           1              1,000,000.--      Opposition filed

31.12.2012          2012                           1                     1,014.--      Threat of bankruptcy-liquidation

31.12.2011          2011                           5                   15,610.--      Paid legal actions

31.12.2011          2011                           1              1,000,000.--      Opposition filed

31.12.2010          2010                           1                       663.--      Paid legal actions

31.12.2010          2010                           1              1,000,000.--      Opposition filed

31.12.2009          2009                           1                     5,380.--      Open legal actions

31.12.2009          2009                           1              1,000,000.--      Opposition filed

31.12.2009          2009                           2                     9,768.--      Threat of bankruptcy-liquidation

31.12.2008          2008                           1              1,000,000.--      Legal actions

31.12.2008          2008                           3                     1,506.--      Paid legal actions

31.12.2007          2007                           7                   11,471.--      Legal actions

31.12.2007          2007                           5                                      Paid legal actions

31.12.2006          2006                           3                                      Legal actions

31.12.2006          2006                           1                                      Paid legal actions

31.12.2006          2006                           1                   19,754.--      Opposition filed

 

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 WorldCompliance database.

 

 

Payment experiences

 

Debt collection case:

MAY 2015: CHF    421.00, in process.

JUL 2014: CHF    421.00, booked up.

JUL 2014: CHF 12'705.00, in process.

JUL 2014: CHF    585.00, in process.

JUL 2014: CHF    655.00, paid.

NOV 2013: CHF    471.00, paid.

SEP 2013: CHF  2'124.00, paid.

FEB 2013: CHF  6'496.00, paid.

MAY 2012: CHF    125.00, paid.

JUN 2007: CHF    122.00, booked up.

 

 

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 appears to be good.

 

Payment experiences:   There are no negative reports on payment experiences.

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.79

UK Pound

1

Rs.101.37

Euro

1

Rs.73.46

CHF

1

Rs. 67.61

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

TRI

 

 

Report Prepared by :

ASH

 


 

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.