MIRA INFORM REPORT
|
Report No. : |
355032 |
|
Report Date : |
19.12.2015 |
IDENTIFICATION DETAILS
|
Name : |
AVERY DENNISON RIS ITALIA S.R.L. |
|
|
|
|
Registered Office : |
Viale A. Manzoni, 42 41012 - Carpi (MO) |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2014 |
|
|
|
|
Date of Incorporation : |
29.08.1995 |
|
|
|
|
Legal Form : |
Limited liability company |
|
|
|
|
Line of Business : |
Manufacture of other textiles. |
|
|
|
|
No. of Employee : |
From 251 to 500 |
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 |
|
Maximum Credit Limit : |
EUR 250.000 - |
|
|
|
|
Status : |
Good |
|
|
|
|
Payment Behaviour : |
Regular |
|
|
|
|
Litigation : |
Clear |
NOTES :
Any query related to this report can be made on
e-mail : infodept@mirainform.com
while quoting report number, name and date.
ECGC Country Risk Classification List – March 31, 2015
|
Country Name |
Previous Rating (31.12.2014) |
Current Rating (31.03.2015) |
|
Italy |
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
ITALY ECONOMIC OVERVIEW
Italy has a diversified economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, where unemployment is higher. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family-owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but its exceptionally high public debt and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, topping 132% of GDP in 2014, but investor concerns about Italy and the broader euro-zone crisis eased in 2013, bringing down Italy's borrowing costs on sovereign government debt from euro-era. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's long-standing structural impediments to growth, such as labor market inefficiencies and tax evasion. In 2014 economic growth and labor market conditions continued to deteriorate, with overall unemployment rising to 12.2% and youth unemployment around 40%. Italy's GDP is now nearly 10% below its 2007 pre-crisis level.
|
Source
: CIA |
Company name and address
|
AVERY DENNISON RIS ITALIA S.R.L. |
|
Viale A. Manzoni, 42 41012 - Carpi (MO)-IT- |
Summary
|
Fiscal Code |
: |
00373670363 |
|
Legal Form |
: |
Limited liability company |
|
start of Activities |
: |
29/08/1995 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
50.000.000/75.000.000 |
|
Number of Employees |
: |
from 251 to 500 |
CREDIT LIMIT
|
Credit Opinion |
: |
250.000 - |
Activity
Manufacture of other textiles n.e.c.
Legal Data
Legal Form : Limited liability company
|
Fiscal Code : 00373670363 |
|
Foreign Trade Reg. no. : MO024271 since
30/11/1995 |
|
Chamber of Commerce no. : 133780 of Ascoli
Piceno |
|
Chamber of Commerce no. : 200483 of Ascoli
Piceno |
|
Chamber of Commerce no. : 1682696 of Milano |
|
Chamber of Commerce no. : 165023 of Modena since
31/10/1974 |
|
Chamber of Commerce no. : 105213 of Teramo |
|
V.A.T. Code : 02322640364 |
|
Establishment date |
: 04/10/1974 |
|
|
Start of Activities |
: 29/08/1995 |
|
|
Legal duration |
: 31/12/2050 |
|
|
Nominal Capital |
: 260.000 |
|
|
Subscribed Capital |
: 260.000 |
|
|
Paid up Capital |
: 260.000 |
|
Legal mail : |
AVERYDENNISONRISITALIASRL@AVERYPEC.IT |
Members
|
Confaloni |
Fabio |
|
Born in Force |
(AP) |
on 30/07/1957 |
- Fiscal Code : CNFFBA57L30D691N |
|
Residence: |
Marechiaro |
, 21 |
- 63039 |
San Benedetto del Tronto |
(AP) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
29/04/2014 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Trevisani |
Federico |
|
Born in San Benedetto del Tronto |
(AP) |
on 15/06/1961 |
- Fiscal Code : TRVFRC61H15H769Y |
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
04/10/2013 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Adespan S.r.l. |
|
Residence: |
Santa Tecla |
, 4 |
- 20122 |
Milano |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Van Gijn |
Huibert Nicolaas |
|
Born in Gravenhage |
( ) |
on 10/01/1962 |
- Fiscal Code : VNGHRT62A10Z126E |
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
21/02/2014 |
|
Selvino |
Maria Virginia |
|
Born in Buenos Aires |
( ) |
on 29/07/1978 |
- Fiscal Code : SLVMVR78L69Z600N |
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
21/02/2014 |
||
|
Board Chairman |
21/02/2014 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Merzi |
Paolo |
|
Born in Novellara |
(RE) |
on 02/11/1972 |
- Fiscal Code : MRZPLA72S02F960Q |
|
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
04/10/2013 |
|
No Protests registered |
|
Sgarbi |
Alessandra |
|
Born in Carpi |
(MO) |
on 25/01/1977 |
- Fiscal Code : SGRLSN77A65B819S |
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
16/12/2008 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Guarino |
Stella |
|
Born in Napoli |
(NA) |
on 23/03/1974 |
- Fiscal Code : GRNSLL74C63F839Q |
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
16/12/2008 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Diacci |
Elisa |
|
Born in Carpi |
(MO) |
on 07/08/1980 |
- Fiscal Code : DCCLSE80M47B819L |
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
16/12/2008 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Sozzi |
Luisa Natalina |
|
Born in Lainate |
(MI) |
on 05/02/1958 |
- Fiscal Code : SZZLNT58B45E415T |
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
16/12/2008 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Schiatti |
Lara |
|
Born in Correggio |
(RE) |
on 04/04/1976 |
- Fiscal Code : SCHLRA76D44D037N |
|
Residence: |
B. Franklin |
, 18 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
16/12/2008 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Gregory |
Reddy |
|
Born in Xxxxx |
( ) |
on 08/05/1961 |
|
Residence: |
Kanaalpark |
, 147 |
Leiden 2321 Jv |
- NL - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
06/09/2013 |
|
No Protests registered |
|
Mulas |
Alberto |
|
Born in Sassari |
(SS) |
on 08/03/1974 |
- Fiscal Code : MLSLRT74C08I452V |
|
Residence: |
Manzoni |
, 42 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
04/10/2013 |
|
No Protests registered |
|
De Backer |
Mathieu Joseph |
|
Born in Xxxxx |
( ) |
on 18/08/1974 |
- Fiscal Code : DBCMHJ74M18Z103M |
|
Residence: |
Manzoni |
, 42 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
04/10/2013 |
|
No Protests registered |
|
Croci |
Laura |
|
Born in Legnano |
(MI) |
on 07/05/1969 |
- Fiscal Code : CRCLRA69E47E514X |
|
Residence: |
Manzoni |
, 42 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
04/10/2013 |
|
No Protests registered |
|
Montani |
Blandina |
|
Born in Appignano del Tronto |
(AP) |
on 25/07/1964 |
- Fiscal Code : MNTBND64L65A335E |
|
Residence: |
Manzoni |
, 42 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
04/10/2013 |
|
No Protests registered |
|
Fabiani |
Elisa |
|
Born in Ascoli Piceno |
(AP) |
on 01/09/1978 |
- Fiscal Code : FBNLSE78P41A462J |
|
Residence: |
Manzoni |
, 42 |
- 41012 |
Carpi |
(MO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
04/10/2013 |
|
No Protests registered |
|
Mueller |
Ralph |
|
Born in Schwedt-oder |
( ) |
on 19/06/1976 |
- Fiscal Code : MLLRPH76H19Z112X |
|
Residence: |
Awarenring |
, 20 |
Mauern |
- DE - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
27/08/2015 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
Paxar B.v. |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
|
No Protests registered |
Companies connected to members *
*checkings have been performed on a national
scale.
In this module the companies in which members
hold/held positions are listed.
The Members of the subject firm are not
reported to be Members in other companies.
Capital Shareholders
Shareholders' list as at date of data
collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Adespan S.r.l. |
Milano - IT - |
02038521205 |
132.600 .Eur |
51,00 |
|
Paxar B.v. |
127.400 .Eur |
49,00 |
Direct Participations
The Company under review has participations
in the following Companies:
|
Firm's Style |
Seat |
Fiscal Code |
Owned Shares Amount |
% Ownership |
since |
until |
Share Status |
|
Collitex S.r.l. |
Ancarano - IT - |
00726970676 |
100,00 |
Active |
Firm's location and structure
In order to carry out its activities the firm
uses the following locations:
|
- |
Legal and operative seat |
|
A. Manzoni |
, 42 |
- 41012 |
- Carpi |
(MO) |
- IT - |
|
PHONE |
: 0596256011 |
|
Legal mail |
: AVERYDENNISONRISITALIASRL@AVERYPEC.IT |
|
- |
Branch |
(Factory) |
since 01/11/2014 |
|
Della Stazione |
, SNC |
- 63030 |
- Colli del Tronto |
(AP) |
- IT - |
|
- |
Branch |
(Administrative office) |
since 09/07/2007 |
|
Lainate |
, 75 |
- 20017 |
- Rho |
(MI) |
- IT - |
|
PHONE |
: 0293180696 |
|
PHONE |
: 0861870099 |
|
FAX |
: 0293180704 |
|
- |
Branch |
(Factory) |
since 16/02/2001 |
|
Provinciale Bonifica |
, 39/41 |
- 64010 |
- Ancarano |
(TE) |
- IT - |
|
Employees |
: 402 |
|
Fittings and Equipment for a value of
4.540.000 |
Eur |
|
Stocks for a value of 3.700.000 |
Eur |
Historical Information and/or Firm's Status
CEASINGS/INCORPORATIONS/MERGES:
|
The firm absorbed by merging of |
|
|
|
|
B. Franklin |
, 18/20 |
, 41012 |
, Carpi |
(MO) |
- IT - |
|
|
Fiscal Code: 01285140362 |
|
|
Date |
: |
18/12/1995 |
|
Project of merging by taking over of |
|
|
|
|
Bonifica |
, 64010 |
, Ancarano |
(TE) |
- IT - |
|
|
Fiscal Code: 00751720673 |
|
|
Date |
Merging/splitting-up project: |
25/07/2000 |
|
The firm absorbed by merging of |
|
|
|
|
Bonifica |
, 64010 |
, Ancarano |
(TE) |
- IT - |
|
|
Fiscal Code: 00751720673 |
|
|
Date |
: |
06/02/2001 |
|
Project of merging by taking over of |
|
|
|
|
RIZZO |
, 0008 |
, 20100 |
, Milano |
(MI) |
- IT - |
|
|
Fiscal Code: 07892420154 |
|
|
Date |
Merging/splitting-up project: |
16/05/2001 |
|
The firm absorbed by merging of |
|
|
|
|
RIZZO |
, 0008 |
, 20100 |
, Milano |
(MI) |
- IT - |
|
|
Fiscal Code: 07892420154 |
|
|
Date |
: |
01/10/2001 |
|
Project of merging by taking over of |
|
|
|
|
Bonifica Tronto |
, SNC |
, 64010 |
, Ancarano |
(TE) |
- IT - |
|
|
Fiscal Code: 00726970676 |
|
|
Date |
Merging/splitting-up project: |
11/06/2014 |
|
The firm absorbed by merging of |
|
|
|
|
Bonifica Tronto |
, SNC |
, 64010 |
, Ancarano |
(TE) |
- IT - |
|
|
Fiscal Code: 00726970676 |
|
|
Date |
: |
20/10/2014 |
Protests
Protests checking on the subject firm has
given a negative result.
Data Base Prejudicial Events Search
Search performed on a National Scale
|
Prejudicial Events Search Result: NEGATIVE |
Search performed on a specialized data base.
Legal Procedures
None reported, standing to the latest
received edition of the Official Publications.
Financial and Economical Analysis
The company is active since 1995
An eco-fin analysis has been made on the base
od the b/s fo the years 2012, 2013 and 2014.
During the last years, it recorded positive
net results (r.o.e. 5,35% in 2014) thanks to a progressive increase in turnover
(+72,58% in 2014 compared to 2013 and +8,03% in 2013 compared to 2012).
The operating result was positive in the last
financial year (7,8%) falling within the field's average.
An operating result of Eur. 4.844.453 has
been registered. increasing if compared to the yeart 2013.
The gross operating margin of the latest
financial year is of Eur. 6.811.694 growing by 84,51% if compared to the year
before.
Excellent equity structure since liquidity is
higher than short term liabilities.
The equity capital is equal to Eur.
48.551.769 , rising by 95,47%.
The financial management has recorded total
debts amounting to Eur. 11.982.691, while during the financial year 2013 the
amount was equal to Eur. 5.582.885.
Financial debts exposure is under control
while the recourse to commercial credit is rather frequent but lined up with
the field's average.
The available funds are good.
Trade credits average terms are 73,22 days. ,
that compared to the sector's average is shorter.
2014 financial year closed with a cash flow
of Eur. 4.518.161
Subordinate employment cost is of Eur.
16.477.223, i.e. 31,74% on total production costs. , whereas the incidence on
sales revenues is of 29,82%.
If compared to the sales volume (-0,44%), the
impact of the financial charges is limited.
Financial Data
|
Complete balance-sheet for the year |
al 31/12/2014 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
55.257.332 |
|
Profit (Loss) for the period |
2.597.894 |
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
32.018.192 |
|
Profit (Loss) for the period |
1.715.678 |
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
29.636.975 |
|
Profit (Loss) for the period |
1.718.346 |
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
28.760.454 |
|
Profit (Loss) for the period |
1.551.610 |
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
26.221.202 |
|
Profit (Loss) for the period |
1.309.907 |
Balance Sheets
From our constant monitoring of the relevant
Public Administration offices, no more recent balance sheets result to have
been filed.
|
- Balance Sheet as at 31/12/2014 - 12 Mesi
- Currency: - Amounts x 1 |
|
- Balance Sheet as at 31/12/2013 - 12 Mesi
- Currency: - Amounts x 1 |
|
- Balance Sheet as at 31/12/2012 - 12 Mesi
- Currency: - Amounts x 1 |
|
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|
|
RATIOS |
Value Type |
as at 31/12/2014 |
as at 31/12/2013 |
as at 31/12/2012 |
Sector Average |
|
COMPOSITION ON INVESTMENT |
|||||
|
Rigidity Ratio |
Units |
0,24 |
0,29 |
0,31 |
0,24 |
|
Elasticity Ratio |
Units |
0,76 |
0,70 |
0,68 |
0,72 |
|
Availability of stock |
Units |
0,06 |
0,06 |
0,08 |
0,19 |
|
Total Liquidity Ratio |
Units |
0,70 |
0,64 |
0,60 |
0,45 |
|
Quick Ratio |
Units |
0,49 |
0,41 |
0,33 |
0,02 |
|
COMPOSITION ON SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
n.c. |
n.c. |
n.c. |
1,93 |
|
Self Financing Ratio |
Units |
0,78 |
0,79 |
0,78 |
0,25 |
|
Capital protection Ratio |
Units |
0,94 |
0,92 |
0,91 |
0,71 |
|
Liabilities consolidation quotient |
Units |
0,08 |
0,08 |
0,08 |
0,23 |
|
Financing |
Units |
0,25 |
0,22 |
0,24 |
2,69 |
|
Permanent Indebtedness Ratio |
Units |
0,80 |
0,80 |
0,80 |
0,42 |
|
M/L term Debts Ratio |
Units |
0,02 |
0,01 |
0,02 |
0,10 |
|
Net Financial Indebtedness Ratio |
Units |
0,00 |
0,00 |
0,00 |
1,12 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
3,33 |
2,73 |
2,54 |
1,56 |
|
Current ratio |
Units |
3,94 |
3,96 |
3,65 |
1,24 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
3,63 |
3,62 |
3,22 |
0,87 |
|
Structure's primary quotient |
Units |
3,27 |
2,68 |
2,49 |
1,01 |
|
Treasury's primary quotient |
Units |
2,53 |
2,28 |
1,77 |
0,04 |
|
Rate of indebtedness ( Leverage ) |
% |
127,95 |
126,39 |
127,51 |
407,34 |
|
Current Capital ( net ) |
Value |
35.214.571 |
16.516.978 |
14.649.054 |
387.489 |
|
RETURN |
|||||
|
Return on Sales |
% |
8,18 |
6,24 |
6,89 |
2,88 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
5,35 |
6,91 |
7,43 |
2,51 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
9,47 |
11,78 |
11,86 |
9,26 |
|
Return on Investment ( R.O.I. ) |
% |
7,80 |
10,80 |
9,00 |
3,77 |
|
Return/ Sales |
% |
8,77 |
10,59 |
8,96 |
3,77 |
|
Extra Management revenues/charges incid. |
% |
53,63 |
50,62 |
64,74 |
21,16 |
|
Cash Flow |
Value |
4.518.161 |
1.998.440 |
2.041.312 |
79.355 |
|
Operating Profit |
Value |
4.844.453 |
3.389.642 |
2.654.343 |
112.730 |
|
Gross Operating Margin |
Value |
6.811.694 |
3.691.718 |
3.022.704 |
210.674 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
73,22 |
70,67 |
84,01 |
117,72 |
|
Debts to suppliers average term |
Days |
96,01 |
68,23 |
77,75 |
111,36 |
|
Average stock waiting period |
Days |
24,09 |
21,47 |
28,80 |
76,26 |
|
Rate of capital employed return ( Turnover
) |
Units |
0,89 |
1,02 |
1,01 |
1,01 |
|
Rate of stock return |
Units |
14,94 |
16,76 |
12,50 |
4,65 |
|
Labour cost incidence |
% |
29,82 |
18,05 |
17,13 |
14,67 |
|
Net financial revenues/ charges incidence |
% |
-0,44 |
-0,27 |
0,21 |
-1,77 |
|
Labour cost on purchasing expenses |
% |
31,74 |
19,26 |
18,09 |
14,77 |
|
Short-term financing charges |
% |
2,64 |
2,42 |
1,56 |
3,20 |
|
Capital on hand |
% |
112,42 |
98,04 |
99,48 |
98,20 |
|
Sales pro employee |
Value |
107.504 |
317.011 |
187.575 |
213.243 |
|
Labour cost pro employee |
Value |
32.056 |
57.220 |
32.126 |
32.119 |
Remarks
1) Protests checking (relative to the last
five years) performed by crossing and matching the members names and the Firm's
Style with the reported addresses, is supplied by the Informatic Registry
managed by the Italian Chamber of Commerce. If the fiscal code is not
indicated, the eventual homonymous cases are submitted to expert staff
evaluation in order to limit wrong matching risks.
2) The Legal Data, supplied and retrived from
the Firm's Registry of the Italian Chamber of Commerce, are in line with the
last registered modifications.
3) Risk evaluation and Credit Opinion have
been performed on the base of the actual data at the moment of their
availability.
Market / Territory Data
|
Population living in the province |
: |
|
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
Monthly family expences average in the region
(in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Sector Data
The values are calculated on a base of 1.146
significant companies.
The companies cash their credits on an
average of 118 dd.
The average duration of suppliers debts is
about 111 dd.
The sector's profitability is on an average
of 2,88%.
The labour cost affects the turnover in the
measure of 14,67%.
Goods are held in stock in a range of 76 dd.
The difference between the sales volume and
the resources used to realize it is about 1,01.
The employees costs represent the 14,77% of
the production costs.
Statistical Detrimental Data
Statistically the trade activity passes
through serious crises.
The area is statistically considered lowly
risky.
In the region 18.860 protested subjects are
found; in the province they count to 3.557.
The insolvency index for the region is 0,46,
, while for the province it is 0,55.
Total Bankrupt companies in the province :
2.526.
Total Bankrupt companies in the region :
14.698.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.66.42 |
|
|
1 |
Rs.99.17 |
|
Euro |
1 |
Rs.72.14 |
|
EUR |
1 |
Rs.72.06 |
Note :
Above are approximate rates obtained from sources believed to be correct
INFORMATION DETAILS
|
Analysis Done by
: |
DIV |
|
|
|
|
Report Prepared
by : |
ANK |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.