MIRA INFORM REPORT

 

 

Report No. :

307358

Report Date :

18.02.2015

 

IDENTIFICATION DETAILS

 

Name :

BARROW, LANE & BALLARD LIMITED

 

 

Registered Office :

56 Acrewys Road London NW22AD

 

 

Country :

United Kingdom

 

 

Financials (as on) :

30.09.2014

 

 

Date of Incorporation :

05.08.1964

 

 

Com. Reg. No.:

00814563

 

 

Legal Form :

Private limited with Share Capital

 

 

Line of Business :

  • Import, export and distribution of edible nuts and dried fruits.
  • Agents agricultural & textile raw materials

 

 

No. of Employee :

12

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

No complaints

 

 

Litigation :

Clear

 

 

NOTES :

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

 

 

ECGC Country Risk Classification List – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

United Kingdom

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

UNITED KINGDOM ECONOMIC OVERVIEW

 

The UK, a leading trading power and financial center, is the third largest economy in Europe after Germany and France. Over the past two decades, the government has greatly reduced public ownership. Agriculture is intensive, highly mechanized, and efficient by European standards, producing about 60% of food needs with less than 2% of the labor force. The UK has large coal, natural gas, and oil resources, but its oil and natural gas reserves are declining and the UK became a net importer of energy in 2005. Services, particularly banking, insurance, and business services, are key drivers of British GDP growth. Manufacturing, meanwhile, has declined in importance but still accounts for about 10% of economic output. After emerging from recession in 1992, Britain's economy enjoyed the longest period of expansion on record during which time growth outpaced most of Western Europe. In 2008, however, the global financial crisis hit the economy particularly hard, due to the importance of its financial sector. Falling home prices, high consumer debt, and the global economic slowdown compounded Britain's economic problems, pushing the economy into recession in the latter half of 2008 and prompting the then BROWN (Labour) government to implement a number of measures to stimulate the economy and stabilize the financial markets; these included nationalizing parts of the banking system, temporarily cutting taxes, suspending public sector borrowing rules, and moving forward public spending on capital projects. Facing burgeoning public deficits and debt levels, in 2010 the CAMERON-led coalition government (between Conservatives and Liberal Democrats) initiated a five-year austerity program, which aimed to lower London's budget deficit from about 11% of GDP in 2010 to nearly 1% by 2015. In November 2011, Chancellor of the Exchequer George OSBORNE announced additional austerity measures through 2017 largely due to the euro-zone debt crisis. The CAMERON government raised the value added tax from 17.5% to 20% in 2011. It has pledged to reduce the corporation tax rate to 21% by 2014. The Bank of England (BoE) implemented an asset purchase program of £375 billion (approximately $605 billion) as of December 2013. During times of economic crisis, the BoE coordinates interest rate moves with the European Central Bank, but Britain remains outside the European Economic and Monetary Union (EMU). In 2012, weak consumer spending and subdued business investment weighed on the economy, however, in 2013 GDP grew 1.4%, accelerating unexpectedly in the second half of the year because of greater consumer spending and a recovering housing market. The budget deficit is falling but remains high at nearly 7% and public debt has continued to increase.

 

Source : CIA

 

 

Company identification

 

BARROW,LANE & BALLARD LIMITED                                      Telephone         +44 020 8457 8120

56A CREWYS ROAD                                                                 Fax                   +44 020 8458 8211

LONDON                                                                                  Website            www.barrow-lane.co.uk

NW2 2AD

United Kingdom

 

Company Number: 00814563                                         Statuses:          Active - Accounts Filed

Foundation: 05/08/1964                                                 VAT:                 Not disclosed

 

 

Main indices

 

Payment experience and credit opinion

 

 

Comments

 

This company’s return on total assets employed ratio indicates a highly efficient use of assets. This company trades in an industry with a lower level of corporate failures.

 

This company’s bank loans and overdrafts (less cash) account for a high percentage of short term liabilities.

 

This company has been treated as a Large company in respect of the rating/limit generated. This company has made late payments on a medium percentage of invoices. This company’s ratio of total liabilities to total assets indicates the presence of moderate equity funding.

 

 

Basic information

 

Legal form

Private limited with Share Capital

 

Foundation

05/08/1964

 

Company No.

00814563

 

Shareholders

 

Name

Currency

Number of

shares

Share type

Nominal value

LOUDWATER MANAGEMENT LTD

GBP

100

ORDINARY

0.01

LOUDWATER MANAGEMENT LTD

GBP

100,000

DEFERRED

1

 

 

 

 

GBP 100,001

 

 

Management

 

Directors

Name

Address:

Date of birth

Nationality

Appointment

date

MunirKassamali Gulamali

6 Kenmore Road, Kenton, Harrow, Middlesex HA3 9EL

05/02/1955

British

22/10/1996

Mr Mark David Gravette

32 Thornash Road, Horsell, Woking, Surrey GU21 4UW

02/12/1958

British

22/10/1996

Mr Maurice Stimler

56a Crewys Road, London NW2 2AD

16/01/1978

British

25/10/2010

Mr Stanley Stimler

97 The Ridgeway, London NW11 9RX

05/06/1955

British

25/10/2010

Mr Anthony Herman Stimler

2 Holmfield Avenue, London NW4 2LN

03/10/1971

British

25/10/2010

 

Secretary

 

No Secretary appointed

 

Other Known Addresses

56A Crewys Road, London NW2 2AD

Pentagon House, 52-54 Southwark Street, London, London SE1 1UR

 

 

Company relationships

 

Company No.               Name                                                                           Status              Country

Ultimate parent

02669850                      LOUDWATER TRADE AND FINANCE LIMITED   Active               United Kingdom

 

 

Business activities

 

Main activity

Principal Activity           Import, export and distribution of edible nuts and dried fruits.

SIC03               Agents agricultural & textile raw materials

SIC07               Agents selling agricultural raw materials, livestock, textile raw materials and semifinished Goods

 

 

Economic data

 

Turnover and Employees

 

Date of Accounts

 

 

30/09/2012

GBP 64,970,312

13

30/09/2013

GBP 67,639,670

16

30/09/2014

GBP 75,686,779

12

 

 

Supplementary data

 

Banks

 

Bank Name                                           Bank Branch Sort Code

LLOYDS TSB BANK                              PLC 30-00-02

 

Auditor

Auditor name

RDP NEWMANS LLP

 

 

Events

 

Company history

 

Date

 

24/08/2010

Annual Returns

30/08/2010

New Accounts Filed

03/11/2010

Mr PG. Sawbridge has resigned as company secretary

03/11/2010

New Board Member Mr S. Stimler appointed

03/11/2010

New Board Member Mr A.H. Stimler appointed

04/11/2010

New Board Member Mr M. Stimler appointed

16/11/2010

New Board Member Mr S. Stimler appointed

16/11/2010

New Board Member Mr M. Stimler appointed

28/01/2011

New Accounts Filed

28/01/2011

New Accounts Filed

19/09/2011

Annual Returns

17/01/2012

New Accounts Filed

17/01/2012

New Accounts Filed

24/08/2012

Annual Returns

17/12/2012

New Accounts Filed

17/12/2012

New Accounts Filed

02/09/2013

Annual Returns

16/01/2014

Mr PJ. Morgan has left the board

16/01/2014

Mr PG. Sawbridge has left the board

23/01/2014

New Accounts Filed

23/01/2014

New Accounts Filed

24/01/2014

Change in Reg.Office

24/01/2014

Change of Company Postcode

27/08/2014

Annual Returns

27/08/2014

Annual Returns

23/12/2014

New Accounts Filed

23/12/2014

New Accounts Filed

 

 

MORTGAGES

 

Chargecreated

22/08/1983

Chargeregistered

31/08/1983

Status

SATISFIED

Entitledperson

COUNTYBANKLIMITED

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

FIXEDANDFLOATINGCHARGEOVERTHEUNDERTAKINGANDALLPROPERTYANDASSETSPRESENTANDFUTUREINCLUDINGBOOKDEBTSGOODWILLUN-CALLEDCAPITAL.

 

 

Chargecreated

21/07/1986

Chargeregistered

29/07/1986

Status

SATISFIED

Entitledperson

BANQUEINTERNATIONALALUXEMBOURG

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

ALLGOODS,BILLSOFLADINGWARRANTS,DELIVERYORDERSDOCUMENTSOFTITLETOGOODSANDALLPROPERTYANDOTHERRIGHTSEMBODIEDTHEREIN;ALLPROCEEDSOFTHESALEOROTHERDISPOSITIONOFTHEGOODS.ASDE-LIVEREDTOORINTHEPOSSESSIONOFTHEBANK,ORHELDTOITSORDERNOWORATANYTIME.

 

 

Chargecreated

04/04/1990

Chargeregistered

19/04/1990

Status

SATISFIED

Entitledperson

GIROZENTRALEUNDBANKDEROSTERREICHISCHENSPARKASSENAKTIENGE-SELLSCHAFT

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

ALLGOODS,BILLSOFLADING WARRANTS, DELIVERYORDERSANDALLDOCU-MENTSOFTITLETOGOODSWHATSOEVERDEPOSITEDBYORONBEHALFOFTHECOMPANYWITHTHEBANK(SEEFORM395FORFULLDETAILS)

 

 

Chargecreated

22/06/1990

Chargeregistered

28/06/1990

Status

SATISFIED

Entitledperson

CITYMERCHANTSBANKLIMITED

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

ALLGOODSBILLSOFLADINGDOCKANDWAREHOUSEWARRANTSANDOTHERDOCUMENTSTOBEDEPOSITED(SEEFORM395FORFULLDETAILS)

 

 

Chargecreated

16/07/1990

Chargeregistered

01/08/1990

Status

SATISFIED

Entitledperson

RIGGSAPBANKLIMITED

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

ALLBILLSOFEXCHANGEPROMISSORYNOTES,SHIPPINGDOCUMENTSANDDOCUMENTSOFTITLETOMERCHANDISEREPRESENTEDTHEREBY.

 

 

Chargecreated

14/08/1992

Chargeregistered

25/08/1992

Status

SATISFIED

Entitledperson

BANKMEESANDHOPENV

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

ALLGOODSANDALLBILLSOFEXCHANGE,PROMISSORYNOTESANDNEGO-TIABLEINSTRUMENTSOFANYDESCRIPTION,ALLBILLSOFLADINGCOMBINEDANDOTHERTRANSPORTDOCUMENTSETCRELATINGTOGOODSASDELIVEREDTOORINTHEPOSSESSIONOFTHEBANKORHELDTOITSORDERNOWORATANYTIME(SEEFORM395FORFULLDETAILS)

 

 

Chargecreated

11/12/1992

Chargeregistered

18/12/1992

Status

SATISFIED

Entitledperson

BANQUEFRANCAISEDUCOMMERCEEXTERIEUR

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

ALLGOODS,BILLSOFLADING,WARRANTS,DELIVERYORDERS,DOCUMENTSOFTITLETOGOODS,ANDALLPROPERTYANDOTHERRIGHTSEMBODIEDTHEREIN(SEEFORM395FORFULLDETAILS)

 

 

Chargecreated

07/06/2002

Chargeregistered

17/06/2002

Status

SATISFIED

Entitledperson

NATEXISBANQUESPOPULAIRES

Securedamount

ALLMONIESDUEOR TOBECOMEDUEFROMTHE COMPANYTO THECHARGEE

Mortgagedetail

ALLGOODS,BILLSOFLADING,WARRANTS,DELIVERYORDERS,DOCUMENTSOFTITLETOGOODSANDALLPROPERTYANDOTHERRIGHTSTHEREON;THEPRO-CEEDSOFSALETHEREOFANDALLINSURANCESSEETHEMORTGAGECHARGEDOCUMENTFORFULLDETAILS

 

 

Chargecreated

28/08/2003

Chargeregistered

13/09/2003

Status

SATISFIED

Entitledperson

ALLIEDIRISHBANKSPLC

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

APLEDGEUPONALLGOODSANDUPONALLBILLSOFLADING,WARRANTS,DE-LIVERYORDERSANDALLDOCUMENTSOFTITLEORANYOTHERDOCUMENTSRELATINGTOGOODS,ALLPROPERTYANDOTHERRIGHTSSEETHEMORTGAGECHARGEDOCUMENTFORFULLDETAILS

 

 

Chargecreated

15/01/2007

Chargeregistered

23/01/2007

Status

SATISFIED

Entitledperson

BANKLEUMI(UK)PLC

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROM THECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVERUNDERTHETERMSOFTHEAFOREMEN-TIONEDINSTRUMENTCREATINGOREVIDENCINGTHECHARGE

Mortgagedetail

FIXEDANDFLOATINGCHARGESOVERTHEUNDERTAKINGANDALLPROP-ERTYANDASSETSPRESENTANDFUTUREINCLUDINGGOODWILLBOOKDEBTSBUILDINGSFIXTURESPLANTANDMACHINERYSEETHEMORTGAGECHARGEDOCUMENTFORFULLDETAILS

 

 

Chargecreated

15/01/2007

Chargeregistered

01/02/2007

Status

SATISFIED

Entitledperson

KBCBANKNVLONDONBRANCH

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROM THECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVERUNDERTHETERMSOFTHEAFOREMEN-TIONEDINSTRUMENTCREATINGOREVIDENCINGTHECHARGE

Mortgagedetail

FIXEDANDFLOATING CHARGESOVERTHE UNDERTAKINGANDALL PROPERTYANDASSETSPRESENTANDFUTUREINCLUDINGGOODWILLUNCALLEDCAPITALBUILDINGSFIXTURESPLANTANDMACHINERYSEETHEMORTGAGECHARGEDOCUMENTFORFULLDETAILS

 

 

Chargecreated

15/01/2007

Chargeregistered

23/01/2007

Status

SATISFIED

Entitledperson

BANKLEUMI(UK)PLC

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

FIXED CHARGEALL MONIESON ANYCURRENTDEPOSIT OROTHERACCOUNTORACCOUNTSORUNDERANYDEPOSITRECEIPT(THEDEPOSITMONIES)

 

 

Chargecreated

15/01/2007

Chargeregistered

23/01/2007

Status

SATISFIED

Entitledperson

BANKLEUMI(UK)PLC

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROM THECOMPANYTOTHECHARGEEUNDERTHETERMSOFTHEAFOREMENTIONEDINSTRUMENTCREATINGOREV-IDENCINGTHECHARGE

Mortgagedetail

THEASSIGNEDASSETSSEETHEMORTGAGECHARGEDOCUMENTFORFULLDETAILS

 

 

Chargecreated

15/01/2007

Chargeregistered

19/01/2007

Status

SATISFIED

Entitledperson

NATIONALWESTMINSTERBANKPLC

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

FIXEDANDFLOATING CHARGESOVERTHE UNDERTAKINGANDALL PROPERTYANDASSETSPRESENTANDFUTUREINCLUDINGGOODWILLBOOKDEBTSUN-CALLEDCAPITALBUILDINGSFIXTURESFIXEDPLANTANDMACHINERY

 

 

Chargecreated

04/02/2010

Chargeregistered

10/02/2010

Status

OUTSTANDING

Entitledperson

LLOYDSTSBBANKPLC

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

ANYFDOCUMENTSANDTHEGOODSTOWHICHTHEYRELATEWHERETHEBAK,WITHTHEASSENTOFTHECOMPANYANDFORTHEACCOUNTOFTHECOM-PANY,RECEIVESANDMAKESADVANCESORPAYMENTAGAINSTSUCHDOCU-MENTS.ANYMONIESWHICHMAYFROMTIMETOTIMEBECOMEPAYABLEUNDERALLORANYOFTHEINSURANCEPOLICIESCOMPRISEDINTHEGOODS

 

 

Chargecreated

22/02/2010

Chargeregistered

04/03/2010

Status

OUTSTANDING

Entitledperson

LLOYDSTSBBANKPLC

Securedamount

ALLMONIESDUEORTOBECOMEDUE FROMTHECOMPANYTOTHECHARGEEONANYACCOUNTWHATSOEVER

Mortgagedetail

FIXEDANDFLOATINGCHARGEOVERTHEUNDERTAKINGANDALLPROPERTYANDASSETSPRESENTANDFUTURE,INCLUDINGGOODWILL,BOOKDEBTS,UN-CALLEDCAPITAL,BUILDINGS,FIXTURES,FIXEDPLANTANDMACHINERY

 

 

Chargecreated

22/02/2010

Chargeregistered

27/02/2010

Status

SATISFIED

Entitledperson

NATIONALWESTMINSTERBANKPLC

Mortgagedetail

FIXEDANDFLOATINGCHARGEOVERTHEUNDERTAKINGANDALLPROPERTYANDASSETSPRESENTANDFUTURE,INCLUDINGGOODWILL, UNCALLEDCAPI-TAL,BUILDINGS,FIXTURES,FIXEDPLANTANDMACHINERY

 

County Court Judgments (CCJs)

There are no County Court Judgments listed against this company

 

 

Accounts

 

PROFIT & LOSS

 

 

30/09/2014

52 GBP

Group: No

30/09/2013

52 GBP

Group: No

30/09/2012

52 GBP Group: No

30/09/2011

52 GBP

Group: No

Turnover

75,686,779

67,639,670

64,970,312

60,317,024

Export

-

-

-

-

 

 

 

30/09/2014

52 GBP

Group: No

30/09/2013

52 GBP

Group: No

30/09/2012

52 GBP Group: No

30/09/2011

52 GBP

Group: No

Cost of Sales

72,614,916

64,298,518

61,952,722

58,644,381

Gross Profit

3,071,863

3,341,152

3,017,590

1,672,643

Wages And Salaries

828,609

901,306

823,524

570,842

Directors Emoluments

280,536

504,282

498,143

408,961

Operating Profit

1,675,681

1,850,029

1,511,532

599,413

Depreciation

8,822

7,305

9,043

9,924

Audit Fees

12,900

12,900

12,000

12,000

Interests Payments

319,167

266,664

201,675

177,919

Pre Tax Profit

1,356,925

1,583,944

1,310,219

421,748

Taxation

-282,894

-372,474

-296,795

-96,727

Profit After Tax

1,074,031

1,211,470

1,013,424

325,021

Dividends Payable

691,927

475,410

162,511

0

Retained Profit

382,104

736,060

850,913

325,021

 

BALANCE SHEET

 

 

30/09/2014

52 GBP

Group: No

30/09/2013

52 GBP

Group: No

30/09/2012

52 GBP Group: No

30/09/2011

52 GBP

Group: No

TangibleAssets

44,220

24,520

30,015

33,418

IntangibleAssets

0

0

0

0

TotalFixedAssets

44,220

24,520

30,015

33,418

Stock

10,166,990

7,455,432

7,879,445

7,554,492

TradeDebtors

9,351,336

8,635,832

8,044,539

8,631,494

Cash

1,142,296

357,215

590,913

604,460

OtherDebtors

68,348

91,266

73,748

152,177

MiscellaneousCurrentAssets

0

0

0

0

TotalCurrentAssets

20,728,970

16,539,745

16,588,645

16,942,623

TradeCreditors

2,824,870

2,074,907

3,820,430

4,936,233

BankLoansandOverdraft

13,378,806

10,194,996

9,130,900

9,565,180

OtherShort Term Finance

0

0

0

0

MiscellaneousCurrentLiabilities

327,193

440,980

549,908

208,601

TotalCurrentLiabilities

16,530,869

12,710,883

13,501,238

14,710,014

BankLoansandOverdraftsLTL

13,386,167

10,195,522

9,131,526

9,565,324

OtherLong Term Finance

0

0

0

0

TotalLongTermLiabilities

7,361

526

626

144

 

 

CAPITAL & RESERVES

 

 

30/09/2014

52 GBP

Group: No

30/09/2013

52 GBP

Group: No

30/09/2012

52 GBP Group: No

30/09/2011

52 GBP

Group: No

CalledUpShareCapital

100,001

100,001

100,001

100,001

PandLAccountReserve

4,134,959

3,752,855

3,016,795

2,165,882

RevaluationReserve

0

0

0

0

SundryReserves

0

0

0

0

ShareholdersFunds

4,234,960

3,852,856

3,116,796

2,265,883

 

 

OTHER FINANCIAL ITEMS

 

 

30/09/2014

52 GBP

Group: No

30/09/2013

52 GBP

Group: No

30/09/2012

52 GBP Group: No

30/09/2011

52 GBP

Group: No

NetWorth

4,234,960

3,852,856

3,116,796

2,265,883

WorkingCapital

4,198,101

3,828,862

3,087,407

2,232,609

TotalAssets

20,773,190

16,564,265

16,618,660

16,976,041

TotalLiabilities

16,538,230

12,711,409

13,501,864

14,710,158

NetAssets

4,234,960

3,852,856

3,116,796

2,265,883

 

 

CASH FLOW

 

 

30/09/2014

52 GBP

Group: No

30/09/2013

52 GBP

Group: No

30/09/2012

52 GBP Group: No

30/09/2011

52 GBP

Group: No

NetCashFlowfromOperations

-985,887

-83,275

873,869

-3,222,126

NetCashFlowbeforeFinancing

-2,398,729

-1,297,794

420,733

-3,685,784

NetCashFlowfromFinancing

0

0

0

0

IncreaseinCash

785,081

-233,698

-13,547

-217,117

 

 

MISCELLANEOUS

 

 

30/09/2014

52 GBP

Group: No

30/09/2013

52 GBP

Group: No

30/09/2012

52 GBP Group: No

30/09/2011

52 GBP

Group: No

Capital Employed

4,242,321

3,853,382

3,117,422

2,266,027

 

 

FINANCIAL RATIOS

 

Name

30.09.2014

30.09.2013

30.09.2012

30.09.2011

PreTaxProfitMargin

1.79%

2.34%

2.02%

0.70%

CurrentRation

1.25

1.30

1.23

1.15

SalesorNetWorkingCapital

18.03

17.67

21.04

27.02

Gearing

316.09%

264.62%

292.98%

422.15%

Equity

20.39%

23.26%

18.75%

13.35%

CreditorDays

13.58

11.16

21.40

29.78

DebtorDays

44.97

46.47

45.07

52.08

LiquidityorAcidtest

0.63

0.71

0.64

0.63

ReturnonCapitalEmployed

31.98%

41.10%

42.02%

18.61%

Returnon Total AssetsEmployed

6.53%

9.56%

7.88%

2.48%

CurrentDebtRatio

3.90%

3.29%

4.33%

6.49%

TotalDebtRatio

3.90%

3.29%

4.33%

6.49%

Stock Turnover Ratio

13.43%

11.02%

12.12%

12.52%

ReturnonNetAssetsEmployed

32.04%

41.11%

42.03%

18.61%

 

 

Remarks

 

Achieving high levels of turnover and profitability. The general financial position appears to be in order and despite payment of dividend good reserves have been built up. Company is part of group whose turnover for 2013 amounted to GBP 103,069,030 and have 25 employees nationwide. Should continue to trade well for the foreseeable future.

 

Next accounts due to be filed by 30/06/2016

 

Activity: Import, Export and distribution of edible dry nuts & fruits

 

Trading Address (confirmed): 56A Crewys Road, London NW2 2AD

 

Branches: None

 

You give: Pentagon House, 52-54 Southwark Street, London, London SE1 1UR This is their previous address which they left in November 2013.

 

Employees: 12

 

Bank : Lloyds Bank PLC


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.20

UK Pound

1

Rs.96.00

Euro

1

Rs.71.00

 

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

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

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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.