MIRA INFORM REPORT

 

 

Report No. :

308131

Report Date :

13.02.2015

 

IDENTIFICATION DETAILS

 

Name :

UNITED TEXMAC PTE LTD

 

 

Registered Office :

140, Paya Lebar Road, 05-14, Az @ Paya Lebar, 409015

 

 

Country :

Singapore

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

07.06.1996

 

 

Com. Reg. No.:

199604132-E

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Trading of Knitted Products, Textiles

 

 

No. of Employees :

50

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

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 – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports, before slowing to in 2011-13, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub

 

Source : CIA

 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

199604132-E

COMPANY NAME

:

UNITED TEXMAC PTE LTD

FORMER NAME

:

N/A

INCORPORATION DATE

:

07/06/1996

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

140, PAYA LEBAR ROAD, 05-14, AZ @ PAYA LEBAR, 409015, SINGAPORE.

BUSINESS ADDRESS

:

140 PAYA LEBAR ROAD, @ PAYA LEBAR, LEVEL 5-15,, 409015, SINGAPORE.

TEL.NO.

:

65-68978123

FAX.NO.

:

65-68978133

WEB SITE

:

WWW.UNITEX.COM.SG

CONTACT PERSON

:

PUA YEOW CHUAH ( DIRECTOR )

 

 

 

 

 

 

PRINCIPAL ACTIVITY

:

TRADING OF KNITTED PRODUCTS, TEXTILES

 

 

 

ISSUED AND PAID UP CAPITAL

:

1,150,000.00 ORDINARY SHARE, OF A VALUE OF SGD 1,175,000.00

 

 

 

SALES

:

SGD 14,538,298 [2012]

NET WORTH

:

SGD 3,422,108 [2012]

 

 

 

STAFF STRENGTH

:

50 [2014]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

LIMITED

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 


HISTORY / BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

The Subject is principally engaged in the (as a / as an) trading of knitted products, textiles.

 

Share Capital History

Date

Issue & Paid Up Capital

10/09/2014

SGD 1,175,000.00

 

The major shareholder(s) of the Subject are shown as follows :

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

PUA YEOW CHUAH +

17, JALAN CHELAGI, BUKIT LOYANG ESTATE, 509578, SINGAPORE.

1638617J

382,766.00

33.28

ITOCHU SYSTECH CORPORATION

3-6-14, MINAMI-HONMACHI CHUO-KU, OSAKA 541-0054, JAPAN, SINGAPORE.

S96UF0570B

299,408.00

26.04

NG SOCK CHEW +

49, PARK VILLAS TERRACE, 545276, SINGAPORE.

S0076099D

212,648.00

18.49

TSENG HONG KEE

988B, JURONG WEST STREET 93, 13-641, 642988, SINGAPORE.

S2554218E

127,589.00

11.09

TEOH BOON CHEOW

52, BUKIT BATOK STREET 31, 06-08, THE MADEIRA, 659443, SINGAPORE.

S2590864C

85,059.00

7.40

POR KHAY TI

66, BAYSHORE ROAD, 23-05, BAYSHORE PARK, 469985, SINGAPORE.

S2538817H

42,530.00

3.70

 

 

 

---------------

------

 

 

 

1,150,000.00

100.00

 

 

 

============

=====

+ Also Director

 

The Subject's interest in other companies (Subsidiaries/Associates) are shown as follow :

 

Local No

Country

Company

(%)

As At

200516588N

SINGAPORE

ECOTEX PTE. LTD.

100.00

31/12/2012

 

 

 

 

 

 

CHINA

SHANGHAI XINXIN TEXTILE MACHINERY CO.,LTD

100.00

31/12/2012

 

 

 

 

 

 

CHINA

SHANGHAI JIACHEN PRECISION TEXTILE MACHINERY PRODUCTION CO., LTD

100.00

31/12/2012

 

 

 

 

 

 

CHINA

JIACHUAN KNITTING (SHANGHAI) CO.,LTD

100.00

31/12/2012

 

 

 

 

 

 

INDIA

ECOTEX ENVIRONMENTAL TECHNOLOGIES (BANGALORE) PRIVATE LIMITED

94.60

31/12/2012

 

 

 

 

 



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

NG SOCK CHEW

Address

:

49, PARK VILLAS TERRACE, 545276, SINGAPORE.

IC / PP No

:

S0076099D

 

 

 

 

 

 

 

 

 

Nationality

:

SINGAPOREAN

Date of Appointment

:

08/11/1996

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

PUA YEOW CHUAH

Address

:

17, JALAN CHELAGI, BUKIT LOYANG ESTATE, 509578, SINGAPORE.

IC / PP No

:

1638617J

 

 

 

 

 

 

 

 

 

Nationality

:

SINGAPOREAN

Date of Appointment

:

08/11/1996



MANAGEMENT

 

 

 

1)

Name of Subject

:

PUA YEOW CHUAH

 

Position

:

DIRECTOR

 

 

 

AUDITOR

 

Auditor

:

SAW MENG TEE & PARTNERS PAC

Auditor' Address

:

N/A

 

 

 

 

 


 

COMPANY SECRETARIES

 

1)

Company Secretary

:

PUA YEOW CHUAH

 

IC / PP No

:

1638617J

 

 

 

 

 

Address

:

17, JALAN CHELAGI, BUKIT LOYANG ESTATE, 509578, SINGAPORE.

 

 

 

 

 

 

 

 

 

 

 

BANKING


No Banker found in our databank.



ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

 

 

LEGAL CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation.

No legal action was found in our databank.

No winding up petition was found in our databank.

 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

YES

Overseas

:

YES

 

 

 


The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

 

]

 

Good 31-60 Days

[

 

]

 

Average 61-90 Days

[

X

]

 

Fair 91-120 Days

[

 

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

 

 

 

Export Market

:

WORLDWIDE

Credit Term

:

N/A

 

 

 

 

 

 

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

 

 

 

 

 

 

OPERATIONS

 

Goods Traded

:

KNITTED PRODUCTS, TEXTILES

 

 

 

 

 

Total Number of Employees:

YEAR

2014

 

 

GROUP

N/A

 

 

 

 

 

 

 

 

COMPANY

50

 

 

 

 

 

 

 

 

 

Branch

:

NO

 

Other Information:


The Subject is principally engaged in the (as a / as an) trading of knitted products, textiles.

The Subject can offer Single Knit Series (UBX), Double Knit Series (UDX) and Striper (USX) in various diameter and gauges. A world class standard accessories and parts, superior technologies, precision central stitch system makes Unitex a unique one.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

6568978123

Current Telephone Number

:

65-68978123

Match

:

YES

 

 

 

Address Provided by Client

:

7 TUAS BASIN LINK, SINGAPORE 638761

Current Address

:

140 PAYA LEBAR ROAD, @ PAYA LEBAR, LEVEL 5-15,, 409015, SINGAPORE.

Match

:

NO

 

 

 

 

Other Investigations


On 8th September 2014 we contacted one of the staff from the Subject and she provided some information.

The Subject had shifted from the address provided.


FINANCIAL ANALYSIS

 

 

Profitability

 

 

 

 

 

 

Turnover

:

Decreased

[

24.34%

]

 

Profit/(Loss) Before Tax

:

Decreased

[

475.95%

]

 

Return on Shareholder Funds

:

Unfavourable

[

(55.26%)

]

 

Return on Net Assets

:

Unfavourable

[

(65.42%)

]

 

 

 

 

 

 

 

 

The lower turnover could be due to the intense market competition.The Subject incurred losses during the year due to the inefficient control of its operating costs. The Subject's unfavourable returns on shareholders' funds indicate the management's inefficiency in utilising its assets to generate returns.

 

 

 

 

 

 

 

Working Capital Control

 

 

 

 

 

 

Stock Ratio

:

Unfavourable

[

101 Days

]

 

Debtor Ratio

:

Favourable

[

39 Days

]

 

Creditors Ratio

:

Favourable

[

43 Days

]

 

 

 

 

 

 

 

 

The Subject could be incurring higher holding cost. As its capital was tied up in stocks, it could face liquidity problems. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

 

 

 

 

 

 

 

Liquidity

 

 

 

 

 

 

Liquid Ratio

:

Unfavourable

[

0.42 Times

]

 

Current Ratio

:

Unfavourable

[

0.80 Times

]

 

 

 

 

 

 

 

 

A low liquid ratio means that the Subject may be facing working capital deficiency. If the Subject cannot obtain additional financing or injection of fresh capital, it may face difficulties in meeting its short term obligations.

 

 

 

 

 

 

 

Solvency

 

 

 

 

 

 

Interest Cover

:

Nil

[

0.00 Times

]

 

Gearing Ratio

:

Favourable

[

0.17 Times

]

 

 

 

 

 

 

 

 

The Subject's interest cover was nil as it did not pay any interest during the year. The Subject was lowly geared thus it had a low financial risk. The Subject was mainly financed by its shareholders' funds and internally generated funds. In times of economic slowdown / downturn, the Subject being a lowly geared company, will be able to compete better than those companies which are highly geared in the same industry.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overall Assessment :

 

 

 

 

 

 

The Subject's losses could be attributed to the lower turnover which in turn could be the result of unfavourable market conditions. Due to its weak liquidity position, the Subject will be faced with problems in meeting all its short term obligations if no short term loan is obtained or additional capital injected into the Subject. The Subject did not make any interest payment during the year. The Subject was dependent on its shareholders' funds to finance its business needs. The Subject as a lowly geared company, will be more secured compared to those highly geared companies. It has the ability to meet all its long term obligations.

 

 

 

 

 

 

 

Overall financial condition of the Subject : LIMITED

 

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

 

 

 

 

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

 

 

 

 

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

 

 

 

 

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

 

 

 

 

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

 

 

 

 

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

 

 

 

 

 

INDUSTRIES ( % of Growth ) :

 

 

 

 

 

Agriculture

 

 

 

 

 

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

 

 

 

 

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

 

 

 

 

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

 

 

 

 

 

Services

 

 

 

 

 

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

 

 

 

 

 

* Based on Index of Industrial Production (2011 = 100)

 

 

 

 

 

(Source : Department of Statistics)

 

 

 

 

 



INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

 

 

 

The wholesale and retail trade sector contracted by 1.5% in the fourth quarter of 2012, extending the 0.2% decline in the preceding quarter. For the whole of 2012, the sector declined by 0.7%, reversing the 1.6% growth in 2011. The sector was weighed down primarily by the wholesale trade segment. In 2012, the wholesale trade segment contracted by 1.0%, a reversal from the 1.4% growth in 2011. Growth of the retail trade segment also moderated to 2.0%, from 3.2% in the year 2011.

 

The domestic wholesale trade index grew by 1.2% in the fourth quarter of 2012, an improvement from the 5.4% decline in the third quarter. This was partly due to an increase in the sales of chemicals & chemical products and ship chandlers & bunkering. For the full year of 2012, the domestic wholesale trade index contracted by 2.2%, extending the 1.7% decline in 2011. The foreign wholesale trade index grew by 8.6% in the fourth quarter, an increase from the 6.6% growth in the third quarter. The expansion was partly due to resilient sales of petroleum & petroleum products. For the whole of 2012, the foreign wholesale trade index expanded by 9.1%, faster than the 4.3% increase in 2011.

 

In the fourth quarter of 2012, retail sales volume declined by 2.0%, extending the 0.3% decline in the third quarter. Excluding motor vehicles, retail sales volume grew by 0.4%, a slight moderation compared to the 1.5% gain in the third quarter of 2012. The sales volume of motor vehicles fell by 11% in the fourth quarter of 2012, after contracting by 6.1% in the third quarter. The sales of several discretionary items also declined in the fourth quarter. Besides, the sales of optical goods & books in 2012 fell by 3.6%, while the sales of telecommunications apparatus & computers declined by 1.4%.

 

For 2012 as a whole, retail sales volume grew by 1.3%, compared to the 2.0% expansion in 2011. Excluding motor vehicle sales, the increase in retail sales volume also moderated from 5.4% in 2011 to 1.7% in 2012. Medical goods & toiletries registered the largest increase (9.3%) in sales, followed by telecommunications apparatus & computers (6.9%). By contrast, the sales of watches & jewellery (-2.2%) and optical goods & books (-3.6%) declined.

 

 

 

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH




 

CREDIT RISK EVALUATION & RECOMMENDATION

 

 

Incorporated in 1996, the Subject is a Private Limited company, focusing on trading of knitted products, textiles. Having been in the industry for over a decade, the Subject has achieved a certain market share and has built up a satisfactory reputation in the market. It should have received supports from its regular customers. The capital standing of the Subject is fair. With an adequate share capital, the Subject has the potential of expanding its business in future.

Over the years, the Subject has penetrated into both the local and overseas market. The Subject has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the Subject to further enhance its business in the near term. The Subject is operating on a medium scale and it has approximately 50 employees in its business operations. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.

Due to the challenging market conditions, the Subject's business performance seems to be deteriorating and losses incurred. The Subject has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. Due to its weak liquidity position, the Subject may face working capital deficiency in meeting its short term financial obligations if no fresh capital are injected into the Subject. Nonetheless, being a lowly geared company, the Subject is exposed to low financial risk as it is mainly dependent on its internal funds to finance its business needs. Given a positive net worth standing at SGD 3,422,108, the Subject should be able to maintain its business in the near terms.

The Subject's supplier are from both the local and overseas countries. This will eliminates the risk of dependency on deliveries from a number of key suppliers and insufficient quantities of its raw materials. Overall the Subject has a good control over its resources.

The Subject's payment habit is average. With its adequate working capital, the Subject should be able to pay its short term debts.

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry.

Based on the above condition, we recommend credit be granted to the Subject normally.

 

 

 

PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

UNITED TEXMAC PTE LTD

 

Financial Year End

2012-12-31

2011-12-31

Months

12

12

Consolidated Account

Company

Company

Audited Account

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

Financial Type

FULL

FULL

Currency

SGD

SGD

 

 

 

TURNOVER

14,538,298

19,216,174

 

----------------

----------------

Total Turnover

14,538,298

19,216,174

 

----------------

----------------

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

(2,240,794)

596,032

 

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

(2,240,794)

596,032

Taxation

350,309

(133,982)

 

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

(1,890,485)

462,050

Minority interests

(635)

(489)

 

----------------

----------------

PROFIT/(LOSS) BEFORE EXTRAORDINARY ITEMS

(1,891,120)

461,561

 

----------------

----------------

PROFIT/(LOSS) ATTRIBUTABLE TO SHAREHOLDERS

(1,891,120)

461,561

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

As previously reported

4,401,304

3,939,743

 

----------------

----------------

As restated

4,401,304

3,939,743

 

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

2,510,184

4,401,304

 

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

2,510,184

4,401,304

 

=============

=============

 

 

 

 


 

 

BALANCE SHEET

 

 

UNITED TEXMAC PTE LTD

 

ASSETS EMPLOYED:

 

 

FIXED ASSETS

2,046,515

2,214,004

 

 

 

LONG TERM INVESTMENTS/OTHER ASSETS

 

 

Subsidiary companies

3,544,659

3,544,659

 

----------------

----------------

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

3,544,659

3,544,659

 

 

 

 

----------------

----------------

TOTAL LONG TERM ASSETS

5,591,174

5,758,663

 

 

 

Stocks

3,992,057

3,322,132

Contract work-in-progress

28,960

22,781

Trade debtors

1,533,981

1,319,113

Other debtors, deposits & prepayments

154,805

131,491

Amount due from subsidiary companies

2,089,772

1,348,775

Cash & bank balances

732,961

701,634

Others

-

215,843

 

----------------

----------------

TOTAL CURRENT ASSETS

8,532,536

7,061,769

 

----------------

----------------

TOTAL ASSET

14,123,710

12,820,432

 

=============

=============

 

 

 

CURRENT LIABILITIES

 

 

Trade creditors

1,705,470

660,802

Other creditors & accruals

1,710,166

742,057

Hire purchase & lease creditors

59,270

150,831

Other borrowings

523,887

748,553

Amounts owing to holding company

82,000

88,000

Amounts owing to subsidiary companies

5,915,635

4,946,351

Amounts owing to director

701,823

728,324

 

----------------

----------------

TOTAL CURRENT LIABILITIES

10,698,251

8,064,918

 

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

(2,165,715)

(1,003,149)

 

----------------

----------------

TOTAL NET ASSETS

3,425,459

4,755,514

 

=============

=============

 

 

 

SHARE CAPITAL

 

 

Ordinary share capital

1,175,000

1,175,000

 

----------------

----------------

TOTAL SHARE CAPITAL

1,175,000

1,175,000

 

 

 

Retained profit/(loss) carried forward

2,510,184

4,401,304

 

----------------

----------------

TOTAL RESERVES

2,247,108

3,232,258

 

 

 

 

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

3,422,108

4,407,258

 

 

 

Other long term borrowings

-

285,700

Hire purchase creditors

3,351

62,556

 

----------------

----------------

TOTAL LONG TERM LIABILITIES

3,351

348,256

 

----------------

----------------

 

3,425,459

4,755,514

 

=============

=============

 

 

 

 

 

FINANCIAL RATIO

 

 

UNITED TEXMAC PTE LTD

 

TYPES OF FUNDS

 

 

Cash

732,961

701,634

Net Liquid Funds

732,961

701,634

Net Liquid Assets

(6,157,772)

(4,325,281)

Net Current Assets/(Liabilities)

(2,165,715)

(1,003,149)

Net Tangible Assets

3,425,459

4,755,514

Net Monetary Assets

(6,161,123)

(4,673,537)

BALANCE SHEET ITEMS

 

 

Total Borrowings

586,508

1,247,640

Total Liabilities

10,701,602

8,413,174

Total Assets

14,123,710

12,820,432

Net Assets

3,425,459

4,755,514

Net Assets Backing

3,422,108

4,407,258

Shareholders' Funds

3,422,108

4,407,258

Total Share Capital

1,175,000

1,175,000

Total Reserves

2,247,108

3,232,258

LIQUIDITY (Times)

 

 

Cash Ratio

0.07

0.09

Liquid Ratio

0.42

0.46

Current Ratio

0.80

0.88

WORKING CAPITAL CONTROL (Days)

 

 

Stock Ratio

101

64

Debtors Ratio

39

25

Creditors Ratio

43

13

SOLVENCY RATIOS (Times)

 

 

Gearing Ratio

0.17

0.28

Liabilities Ratio

3.13

1.91

Times Interest Earned Ratio

0.00

0.00

Assets Backing Ratio

2.92

4.05

PERFORMANCE RATIO (%)

 

 

Operating Profit Margin

(15.41)

3.10

Net Profit Margin

(13.01)

2.40

Return On Net Assets

(65.42)

12.53

Return On Capital Employed

(64.30)

12.15

Return On Shareholders' Funds/Equity

(55.26)

10.47

Dividend Pay Out Ratio (Times)

0.00

0.00

NOTES TO ACCOUNTS

 

 

Contingent Liabilities

0

0

 

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.43

UK Pound

1

Rs.95.01

Euro

1

Rs.70.63

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

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.