MIRA INFORM REPORT

 

 

Report No. :

357189

Report Date :

31.12.2015

           

IDENTIFICATION DETAILS

 

Name :

GYM80 INTERNATIONAL GMBH

 

 

Registered Office :

Wiesmannstr. 46, D 45881 Gelsenkirchen

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

01.11.1997

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

·         Manufacture of sports goods

·         Manufacutre of technical instruments and supplies for medical purposesn.e.c.

·         Wholesale of medical and orthopedic goods, dental and laboratory supplies

·         Wholesale of bicycles, bicycle parts and accessories, sports and camping articles (except camping furniture)

 

 

No. of Employee :

134

 

 

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 :

Slow but correct

 

 

Litigation :

Clear

 

 

NOTES :

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

 

 

ECGC Country Risk Classification List – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

GERMANY - ECONOMIC OVERVIEW

 

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

 

Source : CIA

 

 Company name and address

 

 GYM80 INTERNATIONAL GMBH

 

 Company Status:         active

                                    Wiesmannstr. 46

                                    D 45881 Gelsenkirchen

                                    Telephone:        0209/97064-0

                                    Telefax:            0209/97064-41

                                    Homepage:       www.gym80.de

                                    E-mail:              info@gym80.de

 VAT no.:                                              DE812345866

 

 

 CONCLUSION

 

 Business relations are permissible.

 LEGAL FORM              Private limited company

 Date of foundation:      01.11.1997

 Shareholders'

 agreement:                   01.11.1997

 Registered on:             25.11.1997

 Commercial Register:   Local court 45879 Gelsenkirchen

 under:                          HRB 3249

 Share capital:               EUR            100,000.00

 

 

 Shareholder

 

                      Sonja van Winkelhof (vormals Stromberg)

                      D 45127 Essen

                      born:                  21.05.1974 in Herne

                      née:                    Tillmann

                      Share:                 EUR             74,900.00

 Shareholder:

                      Gummitechnik Civak GmbH

                      Mittelweg 101

                      D 59302 Oelde

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.59

                      Share:                 EUR             25,100.00

                      Registered on:    24.10.1996

                      Reg. data:           48149 Münster, HRB 7261

 

 

Manager

 

                      Arie Frank van Winkelhof

                      Hauptstr. 175

                      D 45219 Essen

                      having sole power of representation

                      born: 02.07.1959

                      Nationality: Dutch

 Manager:

                      Simal Yilmaz

                      Windausstr. 23

                      D 44369 Dortmund

                      having sole power of representation

                      born: 14.04.1969

                      Marital status: married

 

 

Proxy

 

                      Sonja van Winkelhof (vormals Stromberg)

                      D 45127 Essen

                      having sole power of representation

                      born:      21.05.1974 in Herne

                      née:        Tillmann

                      Profession: Businessman

                      Marital status: divorced

 

 Further functions/participations of Arie Frank van Winkelhof

 (Manager)

 General partner:

                      Arie Frank van Winkelhof und Simal Yilmaz

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form: Partnership under the Civil Code

 Shareholder:

                      a & s WORKS GmbH

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:                 EUR             12,500.00

                      Registered

                      on:                                 22.08.2014

                      Reg. data:           45879 Gelsenkirchen, HRB 12703

 Shareholder:

                      enformax Europe GmbH

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form:         Private limited company

                      Share capital:     EUR             25,000.00

                      Share:                 EUR              6,300.00

                      Registered

                      on:                                 18.04.2008

                      Reg. data:           45879 Gelsenkirchen, HRB 9394

 Manager:

                      enformax Europe GmbH

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:                                 18.04.2008

                      Reg. data:           45879 Gelsenkirchen, HRB 9394

 Manager:

                      a & s WORKS GmbH

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form: Private limited company

                      Share capital:      EUR             25,000.00

                      Registered

                      on:                                 22.08.2014

                      Reg. data:           45879 Gelsenkirchen, HRB 12703

 

 Further functions/participations of Simal Yilmaz (Manager)

 General partner:

                      Arie Frank van Winkelhof und Simal Yilmaz

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form: Partnership under the Civil Code

 Shareholder:

                      M & S Sportanlagen GmbH

                      Kolpingstr. 38

                      D 48351 Everswinkel

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:                 EUR             12,500.00

                      Registered

                      on:                                 21.05.2014

                      Reg. data:           48149 Münster, HRB 14967

 Shareholder:

                      a & s WORKS GmbH

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:                 EUR             12,500.00

                      Registered

                      on:                                 22.08.2014

                      Reg. data:           45879 Gelsenkirchen, HRB 12703

 Shareholder:

                      enformax Europe GmbH

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:                 EUR              2,450.00

                      Registered

                      on:                                 18.04.2008

                      Reg. data:           45879 Gelsenkirchen, HRB 9394

 Manager:

                      a & s WORKS GmbH

                      Wiesmannstr. 46

                      D 45881 Gelsenkirchen

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:                                 22.08.2014

                      Reg. data:           45879 Gelsenkirchen, HRB 12703

 Manager:

                      M & S Sportanlagen GmbH

                      Kolpingstr. 38

                      D 48351 Everswinkel

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:                                 21.05.2014

                      Reg. data:           48149 Münster, HRB 14967

 

 

 COMPANY HISTORY

 

 25.11.1997 - 05.1999     GYM 80 International

                          Vertriebsgesellschaft mbH

                          Emscherstr. 53

                          D 45891 Gelsenkirchen

                          Private limited company

 06.1999 - 22.10.2007     GYM 80 International

                          Vertriebsgesellschaft mbH

                          Wiesmannstr. 46

                          D 45881 Gelsenkirchen

                          Private limited company

 22.10.2007 - 09.06.2015  Gym 80 International GmbH

                          Wiesmannstr. 46

                          D 45881 Gelsenkirchen

                          Private limited company

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 32300   Manufacture of sports goods

 32501   Manufacutre of technical instruments and supplies for medical purposesn.e.c.

 46462   Wholesale of medical and orthopedic goods, dental and laboratory supplies

 46492   Wholesale of bicycles, bicycle parts and accessories, sports and camping articles (except camping furniture)

 

 

 FINANCIAL INFORMATION

 

 Payment experience:    Slow But Correct

 

 Negative information:   We have no negative information at hand.

 

 Balance sheet year:      2013

 

 

 PMI:                 present:   90         16.12.2015

                        Ø 6 months:82

 

                      The "Payment Morality Index" evaluates

                      payment delays that have been reported to

                      the "DDMonitor"

 

                      100:        No payment delays are shown in the

                                    "DDMonitor".

                      80-99:     The "DDMonitor" confirms the payment

                                    delay of a few days.

                      40-79:     The "DDMonitor" confirms the payment

                                    delay of some days to weeks.

                      0-39:       The "DDMonitor" confirms the payment

                                    delay of several months.

 

 

 REAL ESTATE

 

 Type of ownership:       Tenant

 Address                       Wiesmannstr. 46

                                    D 45881 Gelsenkirchen

 

 Real Estate of:             Simal Yilmaz

 Type of ownership:       Tenant

 Address                       Windausstr. 23

                                    D 44369 Dortmund

 

 Land register documents were not available.

 

 

 BANKERS

 

 Principal bank

 COMMERZBANK VORMALS DRESDNER BANK, 45008 ESSEN, RUHR

 Sort. code: 36080080, Account no.: 0750435400

 BIC: DRESDEFF360, IBAN: DE51360800800750435400

 

 Further bank

 COMMERZBANK VORMALS DRESDNER BANK, 45806 GELSENKIRCHEN

 Sort. code: 42080082

 BIC: DRESDEFF420

 

 

 FINANCIAL FIGURES

 

 Turnover:            2013                          EUR                 21,125,107.00

 Profit:                2013                           EUR                 385,257.00

 Equipment:                                          EUR                 616,120.00

 Ac/ts receivable:                                  EUR                 3,054,886.00

 Liabilities:                                            EUR                 4,353,073.00

 Real estate of the firm:                         EUR                 44,540.00

 Employees:                                                                134

 - thereof permanent staff:                                             128

 - Temporary workers:                                                        6

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2013 - 31.12.2013

 Equity ratio [%]:                 25.50

 Liquidity ratio:                   0.92

 Return on total capital [%]:      17.86

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 27.58

 Liquidity ratio:                   0.44

 Return on total capital [%]:      14.23

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 27.72

 Liquidity ratio:                   0.40

 Return on total capital [%]:       1.19

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                 19.90

 Liquidity ratio:                   0.35

 Return on total capital [%]:      -1.20

 

 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.

 

 Balance sheet grade

 The balance sheet grade is based on the following ratios: equity

 ratio, liquidity ratio and return on total capital from the

 balance sheets published in the Federal Gazette. It is calculated

 in accordance with the methodology of Euler Hermes. It ranges

 from 1.0 (positive) to 5.0 (negative).

 

 Type of balance

 sheet:               Company balance sheet

 Origin of the present

 balance sheet:       electronic German Federal Gazette

 

 

 Financials

 

Financial year:      01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR          9,000,426.66

  Fixed assets                           EUR          2,990,397.33

   Intangible assets                     EUR          1,423,609.44

    Internally generated industrial

    property rights and similar rights

    and assets                           EUR             24,690.00

    Concessions, licences, rights        EUR          1,398,919.44

   Tangible assets                       EUR            940,500.00

    Land / similar rights                EUR             44,540.00

    Plant / machinery                    EUR            279,840.00

    Other tangible assets / fixtures and

    fittings                             EUR            616,120.00

   Financial assets                      EUR            626,287.89

    Shares in participations /

    subsidiaries and the like            EUR              4,953.06

     Shares in related companies         EUR                  1.00

     Shares in investee companies        EUR              4,952.06

    Loans to participations /

    subsidiaries and the like            EUR            621,334.83

     Loans to related companies          EUR            621,334.83

  Current assets                         EUR          5,872,150.65

   Stocks                                EUR          2,189,654.59

    Raw materials, consumables and

    supplies                             EUR          1,554,072.79

    Finished goods / work in progress    EUR            810,947.51

    Advance payments made                EUR              8,565.72

    Minus received advance payments for

    orders / installments for stocks     EUR           -183,931.43

   Accounts receivable                   EUR          3,054,886.04

    Trade debtors                        EUR          1,438,994.85

    Other debtors and assets             EUR          1,615,891.19

   Liquid means                          EUR            627,610.02

  Remaining other assets                 EUR            137,878.68

   Accruals (assets)                     EUR            137,878.68

 

 LIABILITIES                             EUR          9,000,426.66

  Shareholders' equity                   EUR          1,857,251.73

   Capital                               EUR            100,000.00

    Subscribed capital (share capital)   EUR            100,000.00

   Reserves                              EUR            700,000.00

    Capital reserves                     EUR            700,000.00

   Balance sheet profit/loss (+/-)       EUR          1,057,251.73

    Profit / loss brought forward        EUR            671,995.09

    Annual surplus / annual deficit      EUR            385,256.64

  Provisions                             EUR          2,785,171.79

   Pension provisions and comparable

   provisions                            EUR            522,179.00

   Provisions for taxes                  EUR            325,980.79

   Other / unspecified provisions        EUR          1,937,012.00

  Liabilities                            EUR          4,353,072.92

   Other liabilities                     EUR          4,353,072.92

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          2,146,155.39

    Unspecified other liabilities        EUR          2,206,917.53

  Other liabilities                      EUR              4,930.22

   Deferred taxes (not included under

   provisions/liabilities)               EUR              4,930.22

 

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

 Code (HGB)

  Sales                                  EUR         21,125,106.86

  Inventory change + own costs (+/-)     EUR            333,493.80

   Inventory change (+/-)                EUR            279,896.80

   Capitalised own costs                 EUR             53,597.00

  Other operating income                 EUR            594,375.22

  Cost of materials                      EUR          7,729,116.56

   Raw materials and supplies, purchased

   goods                                 EUR          7,729,116.56

  Gross result (+/-)                     EUR         14,323,859.32

  Staff expenses                         EUR          6,374,615.33

   Wages and salaries                    EUR          5,322,315.59

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          1,052,299.74

  Total depreciation                     EUR            405,439.38

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            405,439.38

  Other operating expenses               EUR          5,586,614.89

  Operating result from continuing

  operations                             EUR          1,957,189.72

  Interest result (+/-)                  EUR            -62,796.73

   Interest and similar income           EUR             64,818.37

   Interest and similar expenses         EUR            127,615.10

  Financial result (+/-)                 EUR            -62,796.73

  Result from ordinary operations (+/-)  EUR          1,894,392.99

  Extraordinary expenses                 EUR          1,196,576.00

  Extraordinary result (+/-)             EUR         -1,196,576.00

  Income tax / refund of income tax (+/-)EUR           -307,352.35

  Other taxes / refund of taxes          EUR             -5,208.00

  Tax (+/-)                              EUR           -312,560.35

  Annual surplus / annual deficit        EUR            385,256.64

 

 Type of balance

 sheet:               Company balance sheet

 Origin of the present

 balance sheet:       electronic German Federal Gazette

 

 Financial year:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR          6,424,614.20

  Fixed assets                           EUR          3,009,497.31

   Intangible assets                     EUR          1,452,636.51

    Internally generated industrial

    property rights and similar rights

    and assets                           EUR             43,207.00

    Concessions, licences, rights        EUR          1,409,429.51

   Tangible assets                       EUR            918,345.00

    Land / similar rights                EUR             51,516.00

    Plant / machinery                    EUR            313,064.00

    Other tangible assets / fixtures and

    fittings                             EUR            553,765.00

   Financial assets                      EUR            638,515.80

    Shares in participations /

    subsidiaries and the like            EUR              4,953.06

     Shares in related companies         EUR                  1.00

     Shares in investee companies        EUR              4,952.06

    Loans to participations /

    subsidiaries and the like            EUR            633,562.74

     Loans to related companies          EUR            633,562.74

  Current assets                         EUR          3,210,156.19

   Stocks                                EUR          1,335,859.09

    Raw materials, consumables and

    supplies                             EUR          1,100,101.45

    Finished goods / work in progress    EUR            531,050.71

    Advance payments made                EUR             43,353.94

    Minus received advance payments for

    orders / installments for stocks     EUR           -338,647.01

   Accounts receivable                   EUR          1,718,473.52

    Trade debtors                        EUR            952,406.28

    Other debtors and assets             EUR            766,067.24

   Liquid means                          EUR            155,823.58

  Remaining other assets                 EUR            204,960.70

   Accruals (assets)                     EUR            102,486.17

   Active difference from asset

   offsetting                            EUR            102,474.53

 

 LIABILITIES                             EUR          6,424,614.20

  Shareholders' equity                   EUR          1,471,995.09

   Capital                               EUR            100,000.00

    Subscribed capital (share capital)   EUR            100,000.00

   Reserves                              EUR            700,000.00

    Capital reserves                     EUR            700,000.00

   Balance sheet profit/loss (+/-)       EUR            671,995.09

    Profit / loss brought forward        EUR            369,074.89

    Annual surplus / annual deficit      EUR            302,920.20

  Provisions                             EUR            762,382.36

   Provisions for taxes                  EUR            214,172.36

   Other / unspecified provisions        EUR            548,210.00

  Liabilities                            EUR          4,155,043.48

   Financial debts                       EUR            228,249.49

    Liabilities due to banks             EUR            228,249.49

   Other liabilities                     EUR          3,926,793.99

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          2,014,540.17

    Unspecified other liabilities        EUR          1,912,253.82

     thereof liabilities from tax /

     financial authorities               EUR            177,797.51

     thereof liabilities from social

     security                            EUR            126,022.25

  Other liabilities                      EUR             35,193.27

   Deferred taxes (not included under

   provisions/liabilities)               EUR             35,193.27

 

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

 Code (HGB)

  Sales                                  EUR         18,129,684.78

  Inventory change + own costs (+/-)     EUR           -153,000.50

   Inventory change (+/-)                EUR           -232,495.50

   Capitalised own costs                 EUR             79,495.00

  Other operating income                 EUR            326,105.56

  Cost of materials                      EUR          6,545,162.82

   Raw materials and supplies, purchased

   goods                                 EUR          6,460,403.97

   Purchased services                    EUR             84,758.85

  Gross result (+/-)                     EUR         11,757,627.02

  Staff expenses                         EUR          5,538,694.17

   Wages and salaries                    EUR          4,600,322.59

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR            938,371.58

  Total depreciation                     EUR            368,834.86

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            368,834.86

  Other operating expenses               EUR          4,608,471.19

  Operating result from continuing

  operations                             EUR          1,241,626.80

  Interest result (+/-)                  EUR           -129,265.95

   Interest and similar income           EUR             91,529.37

   Interest and similar expenses         EUR            220,795.32

  Financial result (+/-)                 EUR           -129,265.95

  Result from ordinary operations (+/-)  EUR          1,112,360.85

  Extraordinary expenses                 EUR            591,534.69

  Extraordinary result (+/-)             EUR           -591,534.69

  Income tax / refund of income tax (+/-)EUR           -212,302.96

  Other taxes / refund of taxes          EUR             -5,603.00

  Tax (+/-)                              EUR           -217,905.96

  Annual surplus / annual deficit        EUR            302,920.20

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.42

UK Pound

1

Rs.98.54

Euro

1

Rs.72.60

EURO

1

Rs. 72.47

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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

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NB

                                       New Business

 

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This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.