MIRA INFORM REPORT

 

 

Report No. :

353462

Report Date :

12.12.2015

 

IDENTIFICATION DETAILS

 

Name :

CHARLES VÖGELE TRADING AG

 

 

Registered Office :

Gwattstrasse 15, 8808 Pfäffikon SZ/SZ

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2014

 

 

Year of Establishment  :

1955

 

 

Com. Reg. No.:

130.0.007.352-0

 

 

Legal Form :

Company limited by shares

 

 

Line of Business :

The business activities includes services in the administrative, commercial and computer science area

 

 

No. of Employee :

200

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

No complaints

 

 

Litigation :

Clear

 

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

 

ECGC Country Risk Classification List – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

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

 

CHARLES VÖGELE TRADING AG

 

 

Address

 

Gwattstrasse 15

8808 Pfäffikon SZ/SZ

Switzerland/CH

 

Telephone:                   055 4167111

Fax:                             055 4167171

Web site:                      http://www.charles-voegele.com

E-mail:                         service@charles-voegele.com

 

WIN Worldbox No.:       CH0000047724

VAT-No.:                      CHE-107.704.887 MWST

UID-No.:                       CHE107704887

 

 

Profile

 

Established:                 1955

Line of Business:          Commercial services, IT services

Industry Division:          Services

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

                                    6201       Computer programming activities

                                    6209       Other information technology and computer service activities

Banks:                          unknown

 

 

Operational Figures

 

Coverage:                    Company

Figures:                        estimated

Financial year:              2015

Employees:                  200

Sales:                          CHF 20-40 Mio

 

 

Activity

 

The business activities includes services in the administrative, commercial and computer science area of the Charles Vögele Group.

 

 

Real Estate

 

Real Estate:                  The company does not appear to own any property.

 

 

Company Register

 

Company No:               130.0.007.352-0

UID-No.:                       CHE107704887

Legal form:                   Company limited by shares

Registration:                 21.12.1994

Legal status:                 active

Responsible Register:   Handelsregister des Kantons Schwyz

History:                        Date of Statutes: 03.10.2014

                                    Date of Statutes: 16.09.2002

                                    Date of Statutes: 30.11.1999

                                    Date of Statutes: 27.01.1998

                                    Date of Incorporation Statutes: 19.12.1994

 

Entry          Deleted      Name

30.01.1998                    Charles Vögele Trading AG

21.12.1994  30.01.1998  Charles Vögele Informatik AG

 

Entry          Deleted      Legal domicile

21.12.1994                    Freienbach, Switzerland

 

Entry          Deleted      Address

21.12.1994                    Gwattstrasse 15, 8808 Pfäffikon/SZ, Switzerland/CH

 

Entry          Deleted      Capital

01.12.1999                    Share Capital CHF 10,000,000, paidup CHF 10,000,000

 

Entry          Deleted      Capital Structure

01.12.1999                    10,000 Registered shares with restricted transferability of CHF 1,000.--

 

 

 

Official Administration

 

Title                                           Name

President                                    Markus Voegeli

                                                  Citizen: Zürich, Zauggenried, Switzerland

                                                  Residential address: 8700 Küsnacht /ZH, Switzerland

                                                  joint signature of two

                                                  Registered since: 20.11.2009

Director                                      Beatrice Grünwald

                                                  Citizen: Germany

                                                  Residential address: Gommiswald, Switzerland

                                                  joint signature of two

                                                  Registered since: 15.01.2014

 

 

Management

 

Title                                           Name

Vice-Director                               Thomas Friedrich Beckmann

                                                  Citizen: Germany

                                                  Residential address: 6403 Küssnacht /SZ, Switzerland

                                                  joint signature of two

                                                  Registered since: 31.10.2006

Vice-Director                               Jürg Bieri

                                                  Citizen: Schangnau, Switzerland

                                                  Residential address: Bassersdorf, Switzerland

                                                  joint signature of two

                                                  Registered since: 29.06.2000

Vice-Director                               Nicole Isabelle Borel

                                                  Citizen: Riehen, Switzerland

                                                  Residential address: Zollikon, Switzerland

                                                  joint signature of two

                                                  Registered since: 11.10.2011

Vice-Director                               Sebastiaan Johannes Maria Duijsens

                                                  Citizen: Netherlands

                                                  Residential address: 8832 Wollerau/SZ, Switzerland

                                                  joint signature of two

                                                  Registered since: 13.09.2010

Vice-Director                               Martin Graf

                                                  Citizen: Zürich, Grub AR, Switzerland

                                                  Residential address: Meilen, Switzerland

                                                  joint signature of two

                                                  Registered since: 27.01.2003

Vice-Director                               Michael Hofmann

                                                  Citizen: Germany

                                                  Residential address: Freienbach, Switzerland

                                                  joint signature of two

                                                  Registered since: 03.06.1998

Vice-Director                               Heinrich Kälin

                                                  Citizen: Einsiedeln, Switzerland

                                                  Residential address: Pfäffikon/SZ, Switzerland

                                                  joint signature of two

                                                  Registered since: 03.06.1998

Vice-Director                               Johannes Ferdinand Schuller

                                                  Citizen: Germany

                                                  Residential address: Feusisberg, Switzerland

                                                  joint signature of two

                                                  Registered since: 24.02.2012

Vice-Director                               Hans Peter Thomas

                                                  Citizen: Germany

                                                  Residential address: 8808 Pfäffikon /SZ, Switzerland

                                                  joint signature of two

                                                  Registered since: 13.09.2010

Vice-Director                               Wolfgang Zumkeller

                                                  Citizen: Germany

                                                  Residential address: Kilchberg/ZH, Switzerland

                                                  joint signature of two

                                                  Registered since: 24.02.2012

Member with signing authority      Karl Faass

                                                  Citizen: Germany

                                                  Residential address: Feusisberg, Switzerland

                                                  joint signature of two

                                                  Registered since: 13.01.2015

Member with signing authority      Meinrad Fleischmann

                                                  Citizen: Altendorf, Switzerland

                                                  Residential address: Oberrieden, Switzerland

                                                  joint signature of two

                                                  Registered since: 29.05.2015

Member with signing authority      Jessica Grossmann

                                                  Citizen: Germany

                                                  Residential address: Glarus Süd, Switzerland

                                                  joint signature of two

                                                  Registered since: 18.10.2013

Member with signing authority      Eva Danielle Grümer

                                                  Citizen: Germany

                                                  Residential address: Zürich, Switzerland

                                                  joint signature of two

                                                  Registered since: 13.01.2015

Member with signing authority      Max E. Katz

                                                  Citizen: Zürich, Switzerland

                                                  Residential address: Rüschlikon, Switzerland

                                                  joint signature of two

                                                  Registered since: 03.10.2012

Member with signing authority      Claudia Kirschke

                                                  Citizen: Germany

                                                  Residential address: 8808 Pfäffikon /SZ, Switzerland

                                                  joint signature of two

                                                  Registered since: 28.05.2009

Member with signing authority      Valérie Klemenz

                                                  Citizen: France

                                                  Residential address: Freienbach, Switzerland

                                                  joint signature of two

                                                  Registered since: 28.12.2012

Member with signing authority      Birgit Meier-Hobmeier

                                                  Citizen: Zürich, Switzerland

                                                  Residential address: Uitikon, Switzerland

                                                  joint signature of two

                                                  Registered since: 27.02.2013

Member with signing authority      Andreas Ott

                                                  Citizen: Schwyz, Switzerland

                                                  Residential address: Wollerau, Switzerland

                                                  joint signature of two

                                                  Registered since: 03.10.2012

Member with signing authority      Andreas Schrödel

                                                  Citizen: Germany

                                                  Residential address: 8840 Einsiedeln/SZ, Switzerland

                                                  joint signature of two

                                                  Registered since: 06.06.2014

Member with signing authority      Andreas Schrödl

                                                  Citizen: Germany

                                                  Residential address: Einsiedeln, Switzerland

                                                  joint signature of two

                                                  Registered since: 06.06.2014

Member with signing authority      Wilhelmus Johannes Smit

                                                  Citizen: Netherlands

                                                  Residential address: Sattel, Switzerland

                                                  joint signature of two

                                                  Registered since: 13.01.2015

Member with signing authority      Manuela Stoiber

                                                  Citizen: Germany

                                                  Residential address: Opfikon, Switzerland

                                                  joint signature of two

                                                  Registered since: 28.12.2012

Member with signing authority      Philipp Thywissen

                                                  Citizen: Germany

                                                  Residential address: Wädenswil, Switzerland

                                                  joint signature of two

                                                  Registered since: 29.05.2015

Member with signing authority      Patrizia Barbara Vetter

                                                  Citizen: Arlesheim, Switzerland

                                                  Residential address: Arlesheim, Switzerland

                                                  joint signature of two

                                                  Registered since: 30.08.2011

Member with procuration             Peter Bühler

                                                  Citizen: Ettiswil, Menznau, Switzerland

                                                  Residential address: Unterägeri, Switzerland

                                                  joint signature of two

                                                  Registered since: 27.01.2003

Member with procuration             Patrick Trümpler

                                                  Citizen: Zürich, Rüschikon, Switzerland

                                                  Residential address: Auslikon, Switzerland

                                                  joint signature of two

                                                  Registered since: 30.01.2004

 

External Positions

 

Title                                           Name

Auditor                                       PricewaterhouseCoopers AG

                                                  Residential address: Zürich, Switzerland

                                                  Id: CHE-106.839.438

                                                  Registered since: 07.07.2003

 

 

Ultimate Parent Company

 

Name:                          Charles Vögele Holding AG

City/Country:                Pfäffikon SZ/SZ, Switzerland/CH

 

 

Direct owner/-s

 

No. of owner/-s:            1

Owner:                         The company is domestic owned.

 

Class:                          100%

Name:                          Charles Vögele Holding AG

City/Country:                Pfäffikon SZ/SZ, Switzerland/CH

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

 

 

Sisters

 

Name:                          Charles Voegele Ceska sro

City/Country:                Prag, Czech/CZ

 

Name:                          Charles Voegele Polska spzoo

City/Country:                Warschau, Poland/PL

 

Name:                          Charles Vögele (Austria) GmbH

City/Country:                Kalsdorf bei Graz, Australia/AU

 

Name:                          Charles Vögele (Belgium) N.V.

City/Country:                Turnhout, Belgium/BE

 

Name:                          Charles Vögele Deutschland GmbH

City/Country:                Sigmaringen, Germany/DE

 

Name:                          Charles Vögele Fashion (HK) Limited

City/Country:                Tsim Sha Tsui East/Kowloon, Hong Kong/HK

 

Name:                          Charles Vögele Hungària Kereskedelmi Kft

City/Country:                Budapest, Hungary/HU

 

Name:                          Charles Vögele Import GmbH

City/Country:                Lehrte, Germany/DE

 

Name:                          Charles Vögele Mode AG

City/Country:                Pfäffikon SZ/SZ, Switzerland/CH

 

Name:                          Charles Vögele (Netherlands) BV

City/Country:                Utrecht, Netherlands/NL

 

Name:                          Charles Vögele Store Management AG

City/Country:                Pfäffikon SZ/SZ, Switzerland/CH

 

Name:                          Charles Vögele trgovina s tekstilom doo

City/Country:                Lubljana, Slovenia/SI

 

Name:                          Cosmos Mode AG, Pfäffikon

City/Country:                Pfäffikon SZ/SZ, Switzerland/CH

 

Name:                          MacFash GmbH

City/Country:                Pfäffikon SZ/SZ, Switzerland/CH

 

 

Financial Data

 

Charles Vögele 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            IAS                  IAS                   IAS                  IAS

 

Balance Sheet

 

Intangible fixed assets                                  4,797.0             5,180.0           43,121.0           45,195.0           82,409.0

Land and buildings                                    118,670.0          123,536.0         135,300.0          140,546.0         146,203.0

Other tangible fixed assets                          96,324.0          111,909.0         138,669.0          200,300.0         206,624.0

Tangible fixed assets                                214,994.0          235,445.0         273,969.0          340,846.0         352,827.0

Financial fixed assets                                      115.0                115.0                115.0                115.0                759.0

other fixed assets                                                                                        6,146.0             5,567.0             4,857.0

Fixed assets                                             219,906.0          240,740.0         323,351.0          391,723.0         440,852.0

 

Stocks                                                      140,335.0          148,771.0         183,606.0          211,974.0         150,365.0

Trade accounts receivable                             4,469.0             3,739.0           15,116.0           16,528.0           14,361.0

Cash & Cash Equivalents                            97,310.0           70,220.0           87,009.0          109,553.0         129,529.0

Securities                                                                                                                            9,252.0

other trade accounts                                     8,019.0           15,360.0                                                          18,336.0

Accruals                                                       3,257.0             3,829.0             2,689.0             2,714.0             3,003.0

Other current assets                                  108,586.0           89,409.0           89,698.0          121,519.0         150,868.0

Current assets                                          253,390.0          241,919.0         288,420.0          350,021.0         315,594.0

 

Total assets                                             473,296.0          482,659.0         611,771.0          741,744.0         756,446.0

 

Capital                                                       26,400.0           26,400.0           26,400.0           26,400.0           30,800.0

Other shareholders funds                          128,750.0          139,597.0         207,998.0          329,547.0         441,829.0

Total shareholders equity                        155,150.0          165,997.0         234,398.0          355,947.0         472,629.0

 

Minority interests                                                                                                0.0                   0.0                   0.0

long term debt (financial debts)                 172,540.0          157,328.0         197,478.0           15,842.0           64,659.0

Provisions                                                  28,004.0           27,632.0             6,477.0             6,581.0             6,201.0

Other non current liabilities                                                                          26,599.0           32,603.0           30,200.0

Non current liabilities                              200,544.0          184,960.0         230,554.0           55,026.0         101,060.0

 

short term debt (financial debts)                    1,564.0             1,534.0             4,798.0          227,650.0           38,705.0

Trade accounts payable                              49,549.0           48,645.0           61,482.0           37,473.0           40,725.0

Provisions                                                    2,105.0             5,586.0             5,374.0             1,310.0             9,254.0

Accruals                                                     34,075.0           37,922.0           35,312.0           29,612.0           35,571.0

other accounts payable                               30,309.0           38,015.0           39,853.0           34,726.0           58,502.0

other current liabilities                                 66,489.0           81,523.0           80,539.0           65,648.0         103,327.0

Current liabilities                                     117,602.0          131,702.0         146,819.0          330,771.0         182,757.0

 

Shareh. equity, min. int. & liabilities        473,296.0          482,659.0         611,771.0          741,744.0         756,446.0

 

Profit and loss account

 

Sales                                                        901,160.0          946,518.0       1,148,543.0       1,207,192.0       1,416,016.0

Reduction of proceeds                                                                             176,710.0          190,967.0         217,790.0

Net sales                                                  901,160.0          946,518.0         971,833.0       1,016,225.0       1,198,226.0

Other operating revenue                                8,328.0             6,718.0             6,589.0             4,091.0             4,577.0

Operating revenue                                   909,488.0          953,236.0         978,422.0       1,020,316.0       1,202,803.0

 

Cost of goods sold                                  297,302.0          323,783.0         370,055.0          391,268.0         397,628.0

Gross profit                                              612,186.0          629,453.0         608,367.0          629,048.0         805,175.0

Other operating expenses                          610,582.0          649,489.0         707,816.0          742,736.0         767,539.0

Operating result                                          1,604.0          -20,036.0          -99,449.0         -113,688.0           37,636.0

 

Interest revenues                                             333.0                306.0                407.0                717.0                723.0

other financial revenues                                                        4,007.0                966.0                   0.0                 73.0

Financial income                                             333.0             4,313.0             1,373.0                717.0                796.0

Interest expenses                                         9,694.0           10,698.0           10,162.0             3,010.0             5,206.0

other financial expenses                               1,369.0                                           0.0             2,509.0             4,235.0

Financial expenses                                     11,063.0           10,698.0           10,162.0             5,519.0             9,441.0

Financial result                                           -10,730.0            -6,385.0            -8,789.0            -4,802.0            -8,645.0

Result before extraordinary items               -9,126.0          -26,421.0        -108,238.0         -118,490.0           28,991.0

 

Extraordinary Result                                            0.0                   0.0                   0.0                   0.0                   0.0

Result before taxes                                     -9,126.0          -26,421.0        -108,238.0         -118,490.0           28,991.0

 

Taxes                                                           1,707.0             3,142.0             1,205.0                656.0           11,220.0

Result before minority interests                  -10,833.0          -29,563.0        -109,443.0         -119,146.0           17,771.0

minority interests                                                                                                0.0                   0.0                   0.0

Result for the financial year                      -10,833.0          -29,563.0        -109,443.0         -119,146.0           17,771.0

 

Cash flow

 

Depreciation                                               39,310.0           49,639.0           82,443.0           92,547.0           71,897.0

Cash flow                                                   28,477.0           20,076.0          -27,000.0          -26,599.0           89,668.0

Cash flow from operating activities              28,993.0           38,087.0           28,546.0         -108,075.0           88,078.0

Investments in tangible fixed assets            17,958.0             9,487.0           12,314.0           46,462.0             3,834.0

Cash flow from investing activities              -15,579.0          -10,664.0          -13,578.0          -49,091.0          -45,823.0

Cash flow from financing activities              14,245.0          -44,600.0          -37,613.0          138,462.0          -35,571.0

Others                                                           -569.0                388.0                101.0            -1,272.0            -4,804.0

Change in liquidity                                      27,090.0          -16,789.0          -22,544.0          -19,976.0             1,880.0

Liquidity at beginning of the year                 70,220.0           87,009.0         109,553.0          129,529.0         127,649.0

Liquidity at end of the year                          97,310.0           70,220.0           87,009.0          109,553.0         129,529.0

 

Notes

 

Material costs                                           297,302.0          323,783.0         370,005.0          391,268.0         397,628.0

Cost of employees                                   238,520.0          242,513.0         252,950.0          267,932.0         291,980.0

Added value                                             278,398.0          276,429.0         237,317.0          244,999.0         398,074.0

Working Capital                                          95,255.0          103,865.0         137,240.0          191,029.0         124,001.0

Net Current Assets                                    135,788.0          110,217.0         141,601.0           19,250.0         132,837.0

Sales per Employee                                                                                       144.1                139.6                163.1

Market capitalisation                                                                                 145,000.0          161,920.0         472,560.0

Gross cost land and buildings                   248,193.0          248,841.0         252,038.0          253,873.0         255,069.0

Gross cost other tangible fixed assets       445,831.0          466,793.0         480,610.0          489,036.0         495,770.0

Gross cost total                                        694,024.0          715,634.0         732,648.0          742,909.0         750,839.0

Insurance value total                                  655,000.0          679,100.0         677,700.0          682,200.0         689,000.0

 

Employees  at year end                                   6,858                6,712                6,743                7,279                7,345

Full time units average                                     4,264                4,417                4,560                4,690                4,861

Employees inland                                            1,884                1,863                1,888                2,016                2,293

Employees abroad                                          4,974                4,849                5,247                5,263                5,052

 

Offices                                                              763                   781                  812                   817                  826

Offices inland                                                    167                   168                  170                   168                  168

Offices abroad                                                  596                   613                  642                   649                  658

 

 

Investments

 

It is believed that the company has no investments.

 

 

Financials

 

Balance sheet publication:     

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

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

01.11.2012          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

31.12.2008          2008                           0                                      Legal actions

31.12.2007          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 WorldCompliance database.

Payment experiences

 

Payment experiences from pre-legal collection cases:

No payment experiences from pre-legal collection cases are available.

 

Payment experiences from collection cases:

No payment experiences from legal collection cases are available.

 

Mode of payment / Business conduct:

There are no complaints about the mode of payment and the business conduct.

 

 

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 in order.

 

Payment experiences:   Financial obligations are paid promptly.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.79

UK Pound

1

Rs.101.10

Euro

1

Rs.73.10

CHF

1

Rs. 68.33

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

KIN

 

 

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.