MIRA INFORM REPORT

 

 

Report No. :

355755

Report Date :

23.12.2015

 

IDENTIFICATION DETAILS

 

Name :

FRITZ WINTER EISENGIESSEREI GMBH & CO. KG

 

 

Registered Office :

Albert-Schweitzer-Str. 15, D 35260 Stadtallendorf, Post Box: 14 60

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

01.12.1950

 

 

Com. Reg. No.:

HRA 3001

 

 

Legal Form :

Limited Partnership With Private Limited Company As General Partner

 

 

Line of Business :

Manufacture of Other Parts and Accessories For Motor Vehicles

 

 

No. of Employees :

3,691

 

 

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 :

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)

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

 

FRITZ WINTER EISENGIESSEREI GMBH & CO. KG

 

 Company Status:         active

                                    Albert-Schweitzer-Str. 15

                                    D 35260 Stadtallendorf

                                    Post Box:

                                    14 60

                                    Telephone:06428/780

                                    Telefax:  06428/786211

                                    Homepage: www.fritzwinter.de

                                    E-mail:   sales@fritzwinter.de

 

 VAT no.:                      DE113354469

 

 

CONCLUSION

 

 Business relations are permissible.

 

 LEGAL FORM           Ltd partnership with priv. ltd. company as

                      general partner

 Date of foundation:  01.12.1950

 Begin of business

 activities:          01.12.1950

 Registered on:       07.04.1951

 Register of

 companies:           Local court 35037 Marburg

 under:               HRA 3001

 

 Total cap. contribution:                EUR         85,750,000.00

 

 Limited partner:

                      CAM Eisenholding GmbH & Co. KG

                      Albert-Schweitzer-Str. 15

                      D 35260 Stadtallendorf

                      Legal form: Ltd partnership with priv. ltd.

                      company as general partner

                      Total cap.         EUR                500.00

                      contribution:

                      Share:             EUR         56,875,000.00

                      Registered on: 04.12.2015

                      Reg. data: 35037 Marburg, HRA 4867

 Limited partner:

                      Heinrich Winter

                      USA - Milwaukee

                      born: 11.01.1944

                      Share:             EUR         28,875,000.00

 General partner:

                      C. + H. Winter GmbH

                      Albert-Schweitzer-Str. 15

                      D 35260 Stadtallendorf

                      Legal form: Private limited company

                      Share capital:     EUR            511,291.88

                      Registered on: 20.08.1968

                      Reg. data: 35037 Marburg, HRB 3401

 

 Shareholder:

                      CAM Eisenholding GmbH & Co. KG

                      Albert-Schweitzer-Str. 15

                      D 35260 Stadtallendorf

                      Legal form: Ltd partnership with priv. ltd.

                      company as general partner

                      Total cap.         EUR                500.00

                      contribution:

                      Share:             EUR            409,033.50

                      Registered on: 04.12.2015

                      Reg. data: 35037 Marburg, HRA 4867

 Shareholder:

                      Heinrich Winter

                      USA - Milwaukee

                      born: 11.01.1944

                      Share:             EUR            102,258.38

 Manager:

                      Gunter Barnstorff

                      D 35260 Stadtallendorf

                      authorized to jointly represent the company

                      born: 12.02.1959

 Manager:

                      Jörg Rumikewitz

                      D 35287 Amöneburg

                      authorized to jointly represent the company

                      born: 20.02.1970

 President of the Supervisory Board:

                      Dr.-Ing. Wolfram Mörsdorf

                      D 45127 Essen

                      Marital status: unknown

 Member of the Supervisory Board:

                      Helmut Pracht

                      Diakonissenstr. 8

                      D 35232 Dautphetal

                      Profession: Manager

 Member of the Supervisory Board:

                      Christian Winter

                      D 35274 Kirchhain

                      born: 11.09.1951

 Member of the Supervisory Board:

                      Johannes-Jürgen Albus

                      Am Hermannshof 13

                      D 50996 Köln

                      born: 04.01.1959

 Member of the Supervisory Board:

                      Henrik Winter

                      D 35260 Stadtallendorf

                      Profession: graduate engineer

 Member of the Supervisory Board:

                      Bertin Eichler

                      D 97461 Hofheim

                      Marital status: unknown

 Representative of the Employees within the Supervisory Board:

                      Ernst Stehl

                      D 35260 Stadtallendorf

 Representative of the Employees within the Supervisory Board:

                      Manfred Müller

                      Am Homberg 11

                      D 35274 Kirchhain

                      born: 20.08.1961

 Representative of the Employees within the Supervisory Board:

                      Otto Kotke

                      Niederrheinische Str. 16

                      D 35260 Stadtallendorf

 Representative of the Employees within the Supervisory Board:

                      Jörg Köhlinger

                      D 60306 Frankfurt

 Representative of the Employees within the Supervisory Board:

                      Metin Bal

                      D 35260 Stadtallendorf

 Representative of the Employees within the Supervisory Board:

                      Stefan Sachs

                      D 61200 Wölfersheim

 Proxy:

                      Ulrich Pilz

                      Im Froschwasser 27

                      D 35260 Stadtallendorf

                      authorized to jointly represent the company

                      Profession: Hotel manager

 Proxy:

                      Wilfried Wolf

                      D 35274 Kirchhain

                      authorized to jointly represent the company

                      born: 04.05.1957

 Proxy:

                      Reiner Becker

                      D 35466 Rabenau

                      authorized to jointly represent the company

                      born: 28.01.1957

                      Profession: Authorized signatary

                      Marital status: unknown

 Proxy:

                      Gunter Barnstorff

                      D 35260 Stadtallendorf

                      authorized to jointly represent the company

                      born: 12.02.1959

 Proxy:

                      Jörg Rumikewitz

                      D 35287 Amöneburg

                      authorized to jointly represent the company

                      born: 20.02.1970

 Proxy:

                      Jürgen Gemmerich

                      D 35274 Kirchhain

                      authorized to jointly represent the company

                      born: 19.09.1957

 Proxy:

                      Manfred Müller

                      Am Homberg 11

                      D 35274 Kirchhain

                      authorized to jointly represent the company

                      born: 20.08.1961

 Proxy:

                      Udo Weißbach

                      D 35274 Kirchhain

                      authorized to jointly represent the company

                      born: 05.03.1957

 Proxy:

                      Andreas Fiedler

                      D 35037 Marburg

                      authorized to jointly represent the company

                      born: 18.05.1963

 Proxy:

                      Uwe Weiß

                      D 35260 Stadtallendorf

                      authorized to jointly represent the company

                      born: 07.03.1956

 Proxy:

                      Michael Krebs

                      D 47441 Moers

                      authorized to jointly represent the company

                      born: 02.04.1964

 Proxy:

                      Thomas Wentzel

                      D 53840 Troisdorf

                      authorized to jointly represent the company

                      born: 02.01.1966

 Proxy:

                      Dr. Rainald Dobbener

                      D 35315 Homberg

                      authorized to jointly represent the company

                      born: 29.12.1964

 Proxy:

                      Dr. Ingo Cassack

                      D 01099 Dresden

                      authorized to jointly represent the company

                      born: 27.03.1976

 Proxy:

                      Torsten Hinkelmann

                      D 35288 Wohratal

                      authorized to jointly represent the company

                      born: 26.05.1972

 

 

COMPANY HISTORY

 

 01.12.1950 - 1993        Fritz Winter Eisengießerei OHG

                          Albert-Schweitzer-Str.

                          D 35260 Stadtallendorf

                          General Partnership

 

 

BUSINESS ACTIVITIES

 

 Main industrial sector

 29320   Manufacture of other parts and accessories for motor vehicles

 

 

BRANCHES AND FACTORIES

 

 Branch:

                      Fritz Winter Eisengießerei GmbH & Co. KG

                      Schillerstr. 1

                      D 35260 Stadtallendorf

                      TEL.: 06428-708-0

                      FAX.: 06428-708-259

 Branch:

                      Fritz Winter Eisengießerei GmbH & Co. KG

                      Bürgelweg 1

                      D 35321 Laubach

                      TEL.: 06405/828-0

                      FAX.: 06405/3627

 

 

 PARTICIPATIONS

 Shareholder:

                      HIM GmbH

                      Waldstr. 11

                      D 64584 Biebesheim

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR         29,616,582.22

                      Share:             EUR             38,346.89

                      Reg. data:  01.06.2006

                                  Local court 64283 Darmstadt

                                  HRB 55362

 

 

FINANCIAL INFORMATION

 

Payment experience:  within agreed terms

 

 Negative information: We have no negative information at hand.

 

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:   proprietor

 Share:                100.00 %

 Address              Albert-Schweitzer-Str. 15

                      D 35260 Stadtallendorf

 

 Real Estate of:      C. + H. Winter GmbH

 Type of ownership:   Tenant

 Address              Albert-Schweitzer-Str. 15

                      D 35260 Stadtallendorf

 

 Real Estate of:      C. + H. Winter GmbH

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Schillerstr. 1

                      D 35260 Stadtallendorf

 

 Land register documents were not available.

 

 

BANKERS

 

 Principal bank

 COMMERZBANK VORMALS DRESDNER BANK, 35251 STADTALLENDORF

 Sort. code: 53381843

 BIC: DRESDEFF568

 

 Further banks

 VOLKSBANK MITTELHESSEN, 35252 STADTALLENDORF

 Sort. code: 51390000

 BIC: VBMHDE5FXXX

 COMMERZBANK, 35348 GIEßEN, LAHN

 Sort. code: 51340013

 BIC: COBADEFFXXX

 COMMERZBANK VORMALS DRESDNER BANK, 35332 GIEßEN, LAHN

 Sort. code: 51380040

 BIC: DRESDEFF513

 DZ BANK, 60265 FRANKFURT AM MAIN

 Sort. code: 50060400

 BIC: GENODEFFXXX

 SPARKASSE MARBURG-BIEDENKOPF, 35009 MARBURG

 Sort. code: 53350000

 BIC: HELADEF1MAR

 LANDESBANK HESSEN-THÜR GIROZENTRALE, 60297 FRANKFURT AM MAIN

 Sort. code: 50050000

 BIC: HELADEFFXXX

 SOCIETE GENERALE, 60311 FRANKFURT AM MAIN

 Sort. code: 51210800

 BIC: SOGEDEFFXXX

 

 

FINANCIAL FIGURES

 

 Turnover:            2013               EUR        683,325,728.00

                      2014               EUR        683,434,498.00

 Profit:              2013               EUR         29,075,510.00

                      2014               EUR         18,517,182.00

 further business figures:

 Equipment:                              EUR          9,559,445.00

 Ac/ts receivable:                       EUR         58,654,565.00

 Liabilities:                            EUR        141,809,892.00

 Employees:                                                  3,691

 

 

BALANCE SHEETS

 

 Balance sheet ratios 01.01.2014 - 31.12.2014

 Equity ratio [%]:                 49.70

 Liquidity ratio:                  10.00

 Return on total capital [%]:       8.10

 

 Balance sheet ratios 01.01.2013 - 31.12.2013

 Equity ratio [%]:                 52.60

 Liquidity ratio:                  10.00

 Return on total capital [%]:      10.64

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 50.88

 Liquidity ratio:                   4.71

 Return on total capital [%]:      13.40

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 44.81

 Liquidity ratio:                   3.75

 Return on total capital [%]:      13.70

 

 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        300,449,576.28

  Fixed assets                           EUR        108,323,313.18

   Intangible assets                     EUR          9,572,356.48

    Concessions, licences, rights        EUR          4,233,747.37

    Advance payments for intang. assets  EUR          5,338,609.11

   Tangible assets                       EUR         98,709,149.65

    Land / similar rights                EUR         56,097,157.16

    Plant / machinery                    EUR         29,012,051.00

    Other tangible assets / fixtures and

    fittings                             EUR          9,559,445.40

    Advance payments made / construction

    in progress                          EUR          4,040,496.09

   Financial assets                      EUR             41,807.05

    Shares in participations /

    subsidiaries and the like            EUR             38,346.89

     Shares in investee companies        EUR             38,346.89

    Other loans                          EUR              3,460.16

  Current assets                         EUR        191,913,715.90

   Stocks                                EUR         51,229,855.07

    Raw materials, consumables and

    supplies                             EUR         16,613,968.23

    Finished goods / work in progress    EUR         34,615,886.84

   Accounts receivable                   EUR         58,654,564.96

    Trade debtors                        EUR         50,654,960.99

    Other debtors and assets             EUR          7,999,603.97

   Liquid means                          EUR         82,029,295.87

  Remaining other assets                 EUR            212,547.20

   Accruals (assets)                     EUR            212,547.20

 

 LIABILITIES                             EUR        300,449,576.28

  Shareholders' equity                   EUR         82,500,000.00

   Capital                               EUR         82,500,000.00

    Limited partner's capital / capital

    of partially liable partner (LP)     EUR         82,500,000.00

  Provisions                             EUR         76,139,684.11

   Pension provisions and comparable

   provisions                            EUR         51,650,186.00

   Provisions for taxes                  EUR            129,329.90

   Other / unspecified provisions        EUR         24,360,168.21

  Liabilities                            EUR        141,809,892.17

   Financial debts                       EUR         32,708,089.12

    Liabilities due to banks             EUR         32,708,089.12

   Other liabilities                     EUR        109,101,803.05

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         27,993,298.68

    Liabilities from received advance

    payments                             EUR          4,081,457.36

    Liabilities due to shareholders      EUR         66,818,183.01

    Unspecified other liabilities        EUR         10,208,864.00

     thereof liabilities from tax /

     financial authorities               EUR          4,158,000.00

 

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

 Code (HGB)

  Sales                                  EUR        683,434,497.85

  Inventory change + own costs (+/-)     EUR         -1,712,744.78

   Inventory change (+/-)                EUR         -2,197,109.87

   Capitalised own costs                 EUR            484,365.09

  Other operating income                 EUR          4,380,483.75

  Cost of materials                      EUR        356,794,702.51

   Raw materials and supplies, purchased

   goods                                 EUR        347,850,484.28

   Purchased services                    EUR          8,944,218.23

  Gross result (+/-)                     EUR        329,307,534.31

  Staff expenses                         EUR        188,755,821.77

   Wages and salaries                    EUR        156,755,319.03

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         32,000,502.74

  Total depreciation                     EUR         16,640,573.74

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         16,640,573.74

  Other operating expenses               EUR         87,376,327.69

  Operating result from continuing

  operations                             EUR         36,534,811.11

  Interest result (+/-)                  EUR         -8,405,083.82

   Interest and similar income           EUR            209,735.67

   Interest and similar expenses         EUR          8,614,819.49

  Financial result (+/-)                 EUR         -8,405,083.82

  Result from ordinary operations (+/-)  EUR         28,129,727.29

  Extraordinary expenses                 EUR          5,810,480.00

  Extraordinary result (+/-)             EUR         -5,810,480.00

  Income tax / refund of income tax (+/-)EUR         -3,661,449.27

  Other taxes / refund of taxes          EUR           -140,615.72

  Tax (+/-)                              EUR         -3,802,064.99

  Annual surplus / annual deficit        EUR         18,517,182.30

 

 Type of balance

 sheet:               Company balance sheet

 Origin of the present

 balance sheet:       self-disclosure

 

 Financial year:      01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR        278,193,098.24

  Fixed assets                           EUR         99,086,846.72

   Intangible assets                     EUR          9,271,208.46

    Concessions, licences, rights        EUR          5,637,204.06

    Advance payments for intang. assets  EUR          3,634,004.40

   Tangible assets                       EUR         89,773,831.21

    Land / similar rights                EUR         51,183,505.16

    Plant / machinery                    EUR         26,989,516.00

    Other tangible assets / fixtures and

    fittings                             EUR          8,283,768.00

    Advance payments made / construction

    in progress                          EUR          3,317,042.05

   Financial assets                      EUR             41,807.05

    Shares in participations /

    subsidiaries and the like            EUR             38,346.89

     Shares in investee companies        EUR             38,346.89

    Other loans                          EUR              3,460.16

  Current assets                         EUR        178,335,942.31

   Stocks                                EUR         47,686,284.77

    Raw materials, consumables and

    supplies                             EUR         10,873,288.06

    Finished goods / work in progress    EUR         36,812,996.71

   Accounts receivable                   EUR         73,034,468.82

    Trade debtors                        EUR         59,810,966.13

    Other debtors and assets             EUR         13,223,502.69

   Liquid means                          EUR         57,615,188.72

  Remaining other assets                 EUR            770,309.21

   Accruals (assets)                     EUR            770,309.21

 

 LIABILITIES                             EUR        278,193,098.24

  Shareholders' equity                   EUR         82,500,000.00

   Capital                               EUR         82,500,000.00

    Limited partner's capital / capital

    of partially liable partner (LP)     EUR         82,500,000.00

     Limited partner's  capital, fixed

     capital, capital account I          EUR         82,500,000.00

  Provisions                             EUR         68,414,756.11

   Pension provisions and comparable

   provisions                            EUR         42,234,097.00

   Provisions for taxes                  EUR            349,138.00

   Other / unspecified provisions        EUR         25,831,521.11

  Liabilities                            EUR        127,278,342.13

   Financial debts                       EUR         23,046,808.72

    Liabilities due to banks             EUR         23,046,808.72

   Other liabilities                     EUR        104,231,533.41

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         27,453,374.18

    Liabilities from received advance

    payments                             EUR          2,479,205.97

    Liabilities due to shareholders      EUR         63,826,343.18

    Unspecified other liabilities        EUR         10,472,610.08

     thereof liabilities from tax /

     financial authorities               EUR          4,522,082.92

     thereof liabilities from social

     security                            EUR            285,110.57

 

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

 Code (HGB)

  Sales                                  EUR        683,325,728.37

  Inventory change + own costs (+/-)     EUR          1,742,990.75

   Inventory change (+/-)                EUR          1,429,606.41

   Capitalised own costs                 EUR            313,384.34

  Other operating income                 EUR          6,926,001.69

  Cost of materials                      EUR        367,660,936.44

   Raw materials and supplies, purchased

   goods                                 EUR        361,076,304.71

   Purchased services                    EUR          6,584,631.73

  Gross result (+/-)                     EUR        324,333,784.37

  Staff expenses                         EUR        182,609,620.21

   Wages and salaries                    EUR        151,584,136.20

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         31,025,484.01

  Total depreciation                     EUR         16,584,576.06

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         16,584,576.06

  Other operating expenses               EUR         83,945,685.78

  Operating result from continuing

  operations                             EUR         41,193,902.32

  Interest result (+/-)                  EUR         -6,440,525.26

   Interest and similar income           EUR            283,142.87

   Interest and similar expenses         EUR          6,723,668.13

  Financial result (+/-)                 EUR         -6,440,525.26

  Result from ordinary operations (+/-)  EUR         34,753,377.06

  Extraordinary expenses                 EUR            528,225.00

  Extraordinary result (+/-)             EUR           -528,225.00

  Income tax / refund of income tax (+/-)EUR         -4,631,267.58

  Other taxes / refund of taxes          EUR           -518,374.78

  Tax (+/-)                              EUR         -5,149,642.36

  Annual surplus / annual deficit        EUR         29,075,509.70

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.30

UK Pound

1

Rs.98.70

Euro

1

Rs.72.33

EUR

1

Rs.72.39

 

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAS

 

 

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

 

--

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.