|
Report No. : |
307198 |
|
Report Date : |
24.02.2015 |
IDENTIFICATION DETAILS
|
Name : |
ANJO QUÍMICA DO BRASIL LTDA |
|
|
|
|
Registered Office : |
Rodovia Sc 447, Km,2 Sala ¨A¨, Vila Macarini - Distrito De Rio Maina,
88817-440 - Criciúma/Sc |
|
|
|
|
Country : |
Brazil |
|
|
|
|
Financials (as on) : |
30.11.2014 |
|
|
|
|
Date of Incorporation : |
10.03.1998 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
Manufacture of Paints, Varnishes, Enamels and Lacquers. |
|
|
|
|
No. of Employees : |
340 |
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) |
|
Brazil |
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
BRAZIL - ECONOMIC OVERVIEW
Characterized by large and well-developed
agricultural, mining, manufacturing, and service sectors, and a rapidly
expanding middle class, Brazil's economy outweighs that of all other South
American countries, and Brazil is expanding its presence in world markets.
Since 2003, Brazil has steadily improved its macroeconomic stability, building
up foreign reserves, and reducing its debt profile by shifting its debt burden
toward real denominated and domestically held instruments. In 2008, Brazil
became a net external creditor and two ratings agencies awarded investment
grade status to its debt. After strong growth in 2007 and 2008, the onset of
the global financial crisis hit Brazil in 2008. Brazil experienced two quarters
of recession, as global demand for Brazil's commodity-based exports dwindled
and external credit dried up. However, Brazil was one of the first emerging
markets to begin a recovery. In 2010, consumer and investor confidence revived
and GDP growth reached 7.5%, the highest growth rate in the past 25 years.
Rising inflation led the authorities to take measures to cool the economy;
these actions and the deteriorating international economic situation slowed
growth in 2011-13. Unemployment is at historic lows and Brazil's traditionally
high level of income inequality has declined for each of the last 14 years.
Brazil's historically high interest rates have made it an attractive
destination for foreign investors. Large capital inflows over the past several
years have contributed to the appreciation of the currency, hurting the competitiveness
of Brazilian manufacturing and leading the government to intervene in foreign
exchange markets and raise taxes on some foreign capital inflows. President
Dilma ROUSSEFF has retained the previous administration's commitment to
inflation targeting by the central bank, a floating exchange rate, and fiscal
restraint.
|
Source
: CIA |
ANJO
QUÍMICA DO BRASIL LTDA
ADDRESSES
|
|
MAIN ADDRESS: |
Rodovia Sc 447, Km,2 Sala ¨A¨, Vila Macarini - Distrito De Rio Maina |
|
ZIP CODE/CITY: |
88817-440 - Criciúma/Sc |
|
|
|
|
PHONE: |
48 3461-8000 |
|
FAX: |
48 3461-8000 |
|
E-MAIL: |
marcio@anjo.com.br |
|
WEB SITE: |
www.anjoquimica.com.br |
BRANCHES
|
|
|
|
|
|
ADDRESS: |
RUA PROJETADA, S/Nº, LOTES 16, 17, 21 E,22 - DISTRITO DE RIO MAINA |
|
ZIP CODE/CITY: |
88817-440 CRICIUMA/SC |
|
PHONE: |
48 3461-8000 |
|
FAX: |
48 3461-8000 |
|
CNPJ: |
02.921.346/0002-39 |
|
STATE REGISTER: |
254869459 |
|
|
|
|
ADDRESS: |
RODOVIA SC 446, KM,4 |
|
ZIP CODE/CITY: |
MORRO DA FUMAÇA/SC |
|
CNPJ: |
02.921.346/0006-62 |
|
STATE REGISTER: |
255215592 |
|
|
|
|
ADDRESS: |
AV DOS IMIGRANDETES,6402 GLEBA 1 JO - DISTRITO INDUSTRIAL |
|
ZIP CODE/CITY: |
01292-210 BRAGANÇA PAULISTA/SP |
|
CNPJ: |
02.921.346/0005-81 |
|
STATE REGISTER: |
225.114.562.112 |
|
|
|
|
ADDRESS: |
RUA 13, Nº 1, QUADRA,11 , LOTES 36/40 - POLO EMPRESARIAL DE GOIÁS |
|
ZIP CODE/CITY: |
74985-225 APARECIDA DE GOIÂNIA/GO |
|
CNPJ: |
02.921.346/0004-09 |
|
STATE REGISTER: |
10.383.233-5 |
|
|
|
|
ADDRESS: |
RODOVIA LUIZ GONZAGA, BR 232, KM,47 DISTRITO INDUSTRIAL AUGUSTO FERRI
DE MORAES - LOTEAMENTO AONCEIÇAO |
|
ZIP CODE/CITY: |
55613-010 VITORIA DE SANTO ANTAO/PE |
LEGAL
DATA
|
|
MAIN ACTIVITIES: |
|
MANUFACTURE OF PAINTS, VARNISHES, ENAMELS AND LACQUERS. |
|
LEGAL FORM: |
LIMITED
LIABILITY COMPANY |
|
|
|
|
INCORPORATION DATE: |
10/03/1998 |
|
REGISTER DATE: |
17/11/1998 |
|
BALANCE SHEET FILING DATE: |
31/12 |
|
TAX CONTRIBUTOR NUMBER(CNPJ): |
02.921.346/0001-58 |
|
STATE REGISTER: |
253.852.110 |
|
|
|
|
SHARE CAPITAL: |
R$ 1.500.000,00 |
|
BOARD OF
DIRECTORS: |
|
|
|
|
|
FELIPE REZENDES COLOMBO |
DIRECTOR |
AUTHORIZED
USE OF SIGNATURE
|
|
THE PRESIDENT DIRECTOR ARE AUTHORIZED TO SIGN ON BEHALF OF THE
COMPANY. |
|
SHAREHOLDERS /
PARTNERS: |
|
|
|
|
|
ANJOPART - PARTICIPAÇÕES LTDA |
95,2663% |
|
ALBERTINO COLOMBO |
4,1420% |
|
FILIPE REZENDES COLOMBO |
0,5917% |
|
AFFILIATES /
SUBSIDIARIES: |
|
|
|
|
|
NOT AVAILABLE. |
|
COMPANY'S
BACKGROUND
|
|
THE SUBJECT WAS ESTABLISHED ON MARCH 1, 1998 AS CBR COMERCIAL
BRASILEIRA DE REVESTIMENTOS LTDA. TO BE ENGAGED IN THE SAID LINE OF BUSINESS.
ON NOVEMBER 3, 2004 IT ADOPTED THE ABOVE MENTIONED NAME AND UP TO DATE IT IS
STILL OPERATING WITHIN THE GENERAL SCENE REPORTED HEREIN. TRADE NAME: "ANJO TINTAS E SOLVENTES". PARTNERS: ANJOPART - PARTICIPAÇÕES LTDA, A LIMITED LIABILITY COMPANY, ENROLLED
WITH THE FEDERAL TAXPAYER´S # CNPJ 12.340.150/0001-23, WITH HEAD OFFICE AT
RODOVIA SC 447,0 KM 02, SALA C - RIO MAINA - CRICIÚMA/SC. HEREIN REPRESENTED
BY ITS LEGAL REPRESENTATIVE MR. ALBERTINO COLOMBO, AS BELOW MENTIONED; ALBERTINO COLOMBO, BRAZILIAN, MARRIED, ENTREPRENEUR, RESIDENTIAL
ADDRESS AT RUA SANTO ANTÔNIO 404, APART. 501, BAIRRO CENTRO - CRICIÚMA/SC,
HOLDER OF DOCUMENTS, RG 1.523.709 SSP/SC AND CPF 517.084.429-87; FILIPE REZENDES COLOMBO, BRAZILIAN, SINGLE, ENTREPRENEUR, RESIDENTIAL ADDRESS
AT RUA SANTO ANTÔNIO 404, APART. 501, BAIRRO CENTRO - CRICIÚMA/SC, HOLDER OF
DOCUMENTS, RG 3.988.777 SSP/SC AND CPF 051.444.249-29; FURTHER DETAILS ABOUT THE SUBJECT'S HISTORY IS SO FAR NOT KNOWN. |
|
PUBLIC
INFORMATION: |
|
LAWSUITS: |
|
|
|
|
DATE: |
COURT OF LAW: |
|
1 |
MUNICIPAL LAWSUIT |
15/12/11 |
VARA DE AMERICANA/SP |
FINANCIAL
INFORMATION
|
|
GENERAL BALANCE SHEETS AS OF 30/11/2014, 31/12/2013 AND 31/12/2012. |
|
( FIGURES ARE IN REAIS ). |
|
ASSETS |
|
|
|
|
CURRENT: |
30/11/2014 |
31/12/2013 |
31/12/2012 |
|
|
|
|
|
|
CASH AND BANKS |
2.719.225,36 |
4.532.592,34 |
2.650.766,31 |
|
CLIENTS |
56.418.837,56 |
52.075.155,10 |
43.726.134,27 |
|
INVENTORY |
18.103.398,75 |
14.068.659,82 |
13.954.525,51 |
|
PREPAID EXPENSES |
49.743,49 |
51.437,04 |
43.706,74 |
|
OTHER CREDITS |
6.620.009,69 |
2.818.506,56 |
1.613.962,02 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL CURRENT ASSETS |
83.911.214,85 |
73.546.350,86 |
61.989.094,85 |
|
FIXED ASSETS: |
|
|
|
|
|
|
|
|
|
FIXED ASSETS |
26.889.601,86 |
20.921.469,46 |
20.779.535,33 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL FIXED ASSETS |
26.889.601,86 |
20.921.469,46 |
20.779.535,33 |
|
|
================ |
================ |
================ |
|
TOTAL ASSETS |
110.800.816,71 |
94.467.820,32 |
82.768.630,18 |
|
LIABILITIES: |
|
|
|
|
CURRENT: |
30/11/2014 |
31/12/2013 |
31/12/2012 |
|
|
|
|
|
|
SUPPLIERS |
27.226.266,70 |
24.010.925,34 |
18.653.693,76 |
|
LABOR OBLIGATIONS |
4.053.656,59 |
3.500.437,34 |
2.709.672,38 |
|
TRIBUTARY OBLIGATIONS |
9.712.524,58 |
4.898.410,02 |
4.193.124,38 |
|
ADVANCE FROM CLIENTS |
847.467,01 |
1.211.416,16 |
1.894.474,16 |
|
LOANS AND FINANCING |
868.334,87 |
1.045.550,42 |
1.198.469,98 |
|
LEASING |
180.924,27 |
285.457,37 |
84.739,24 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL CURRENT LIABILITIES |
42.889.174,02 |
34.952.196,65 |
28.734.173,90 |
|
LONG TERM
LIABILITIES: |
|
|
|
|
|
|
|
|
|
INTERCOMPANY DEBTS |
5.944.831,69 |
15.564.993,25 |
18.835.066,26 |
|
LOANS |
10.651.022,88 |
1.208.406,33 |
429.895,76 |
|
TRIBUTARY OBLIGATIONS |
12.059.299,89 |
12.430.411,36 |
12.808.017,87 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL LONG TERM LIABILITIES |
28.655.154,46 |
29.203.810,94 |
32.072.979,89 |
|
NET EQUITY: |
|
|
|
|
|
|
|
|
|
SHARE CAPITAL |
1.500.000,00 |
1.500.000,00 |
1.500.000,00 |
|
PROFIT RESERVES |
28.226.138,10 |
18.362.179,55 |
11.415.777,20 |
|
ACCRUED PROFIT (LOSS) |
9.530.350,13 |
10.449.633,18 |
9.045.699,09 |
|
|
---------------- |
---------------- |
---------------- |
|
TOTAL NET EQUITY |
39.256.488,23 |
30.311.812,73 |
21.961.476,29 |
|
|
================ |
================ |
================ |
|
TOTAL LIABILITIES |
110.800.816,71 |
94.467.820,32 |
82.768.630,08 |
|
PROFIT AND LOSS ACCOUNTS AS OF 30/11/2014, 31/12/2013 AND 31/12/2012. |
|
( FIGURES ARE IN REAIS ). |
|
|
30/11/2014 |
31/12/2013 |
31/12/2012 |
|
|
|
|
|
|
GROSS SALES |
330.040.852,37 |
351.569.288,37 |
299.485.230,68 |
|
(-) TAXES ON SALES |
105.360.862,61 |
112.410.557,07 |
94.248.753,34 |
|
|
---------------- |
---------------- |
---------------- |
|
NET SALES |
224.679.989,76 |
239.158.731,30 |
205.236.477,34 |
|
(-) COST OF SOLD GOODS |
161.537.541,19 |
175.505.742,10 |
149.488.144,01 |
|
|
---------------- |
---------------- |
---------------- |
|
GROSS PROFIT |
63.142.448,57 |
63.652.989,20 |
55.748.333,33 |
|
OPERATING REVENUE (EXPENSE) |
-47.324.913,43 |
-50.394.740,24 |
-42.737.770,70 |
|
FINANCIAL REVENUE(EXPENSE) |
-1.793.611,04 |
2.281.019,37 |
280.890,24 |
|
|
---------------- |
---------------- |
---------------- |
|
OPERATIONAL PROFIT (LOSS) |
14.023.924,10 |
15.539.268,33 |
13.291.452,87 |
|
CONTRIBUTION/INCOME TAX |
-4.493.573,97 |
-5.089.635,15 |
-4.245.754,11 |
|
|
---------------- |
---------------- |
---------------- |
|
NET PROFIT (LOSS) |
9.530.350,13 |
10.449.633,18 |
9.045.698,76 |
|
MONTHLY SALES |
|||
|
|
2014 |
|
|
|
|
--------------------- |
|
|
|
JANUARY |
R$ 32.140.959,72 |
|
|
|
FEBRUARY |
R$ 32.607.862,58 |
|
|
|
MARCH |
R$ 30.613.328,75 |
|
|
|
APRIL |
R$ 29.267.236,23 |
|
|
|
MAY |
R$ 27.229.168,16 |
|
|
|
JUNE |
R$ 28.602.419,29 |
|
|
|
JULY |
R$ 26.829.553,92 |
|
|
|
AUGUST |
R$ 30.965.813,86 |
|
|
|
SEPTEMBER |
R$ 28.106.275,11 |
|
|
|
OCTOBER |
R$ 29.615.459,45 |
|
|
|
NOVEMBER |
R$ 31.788.440,14 |
|
|
|
DECEMBER |
R$ 29.998.475,37 |
|
|
|
TOTAL |
R$
357.764.992,58 |
|
|
|
RATIOS: |
30/11/2014 |
31/12/2013 |
31/12/2012 |
|
QUICK RATIO |
1,53 |
|
1,70 |
|
1,67 |
|
|
CURRENT RATIO |
1,96 |
|
2,10 |
|
2,16 |
|
|
ACCOUNTS RECEIVABLE TURNOVER |
3,98 |
TIMES |
4,59 |
TIMES |
4,69 |
TIMES |
|
DAYS' SALES IN RECEIVABLES |
82,87 |
DAYS |
78,39 |
DAYS |
76,70 |
DAYS |
|
INVENTORY TURNOVER |
8,92 |
TIMES |
12,47 |
TIMES |
10,71 |
TIMES |
|
ACCOUNTS PAYABLE PERIOD |
55,62 |
DAYS |
49,25 |
DAYS |
44,92 |
DAYS |
|
RETURN ON ASSETS |
2,03 |
TIMES |
2,53 |
TIMES |
2,48 |
TIMES |
|
SALES TURNOVER ON NET EQUITY |
5,72 |
TIMES |
7,89 |
TIMES |
9,35 |
TIMES |
|
NET WORTH TIE-UP |
,69 |
|
,69 |
|
,95 |
|
|
INDEBTEDNESS |
1,82 |
|
2,12 |
|
2,77 |
|
|
EQUITY RATIO |
35,43 |
% |
32,09 |
% |
26,53 |
% |
|
WORKING CAPITAL RATIO |
95,65 |
% |
110,42 |
% |
115,73 |
% |
|
GENERAL SOLVENCY |
1,55 |
|
1,47 |
|
1,36 |
|
|
RETURN ON NET EQUITY |
24,28 |
% |
34,47 |
% |
41,19 |
% |
|
RETURN ON SALES (PROFIT MARGIN) |
4,24 |
% |
4,37 |
% |
4,41 |
% |
|
GROSS PROFIT MARGIN |
28,10 |
% |
26,62 |
% |
27,16 |
% |
|
OPERATIONAL RESULT |
6,24 |
% |
6,50 |
% |
6,48 |
% |
|
SALES TURNOVER ON LIABILITIES |
5,24 |
TIMES |
6,84 |
TIMES |
7,14 |
TIMES |
|
FOREIGN CURRENCY ON ASSETS |
|
|
|
|
|
|
|
FOREIGN CURRENCY ON LIABILITIES |
|
|
|
|
|
|
|
EXCHANGE RATE: |
|
|
US$ 1,00 = R$ 2,86 |
- OFFICIAL RATE ON 12/02/2015 |
|
US$ 1,00 = R$ 2,56 |
- OFFICIAL RATE ON 30/11/2014 |
|
US$ 1,00 = R$ 3,34 |
- OFFICIAL RATE ON 31/12/2013 |
|
US$ 1,00 = R$ 2,04 |
- OFFICIAL RATE ON 31/12/2012 |
|
COMMENTS ON THE FINANCIAL
INFORMATION: |
|
FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS. THE LATEST FIGURES AVAILABLE SHOW A FAIR FINANCIAL STANDING. THE LEVEL
OF INDEBTEDNESS IS HIGH BUT IT HAS GOOD LIQUIDITY RATIOS AND POSITIVE WORKING
CAPITAL. IN ADDITION, IT SHOWS GROWING SALES TREND AND PROFITABILITY. |
|
REAL ESTATE: |
OWNED PREMISES ARE VALUED AT R$
15.958.989,02
|
VEHICLES: |
OWNED VEHICLES ARE VALUED AT R$
1.808.738,84
|
MACHINES: |
OWNED MACHINES AND EQUIPMENTS
ARE VALUED AT R$ 14.656.408,59
INSURANCE
|
|
NOT AVAILABLE. |
BANKING
REFERENCES
|
|
|
BRANCH/PHONE: |
CITY: |
|
BANCO DO BRASIL S/A |
3422-3 |
CRICIUMA/SC |
|
CAIXA ECONÔMICA FEDERAL |
2979 |
CRICIUMA/SC |
|
REMARKS: IN BRAZIL THE BANKS ARE PROHIBITED BY LAW TO PROVIDE INFORMATION
OR ANY KIND OF COMMENTS ABOUT THEIR CLIENTS. DUE TO THIS LAW PROHIBITION WE
ARE UNABLE TO PROVIDE ANY BANKING DETAILS. ACCORDING TO THE CENTRAL BANK OF BRAZIL OFFICIAL REPORT, THE COMPANY
HAS NO RETURNED CHECKS UP TO DATE. (IN THE TERMS OF "CIRCULAR 1682
BRAZILIAN CENTRAL BANK"). DATE RESEARCHED: FEBRUARY 12, 2015. |
ACTIVITIES
COMMENTS
|
|
MANUFACTURE OF PAINTS, VARNISHES, ENAMELS AND LACQUERS. |
|
IMPORT AND
EXPORT: |
IMPORTS FROM:
|
NOT AVAILABLE. |
EXPORTS TO:
|
NOT AVAILABLE. |
|
MAIN CLIENTS: |
|
|
|
|
|
|
|
DOMESTIC
CLIENTS: |
|
PHONE: |
|
ALPI DISTRIBUIDORA DE TINTAS LTDA |
|
65 3682-1439 |
|
COPLASTIL IND COM DE PLASTICOS LTDA |
|
11 4035-2526 |
|
DICOFER DISTRIBUIDORA CAXIENSE LTDA |
|
54 4009-9999 |
|
INCOPLAST IND COM DE PLASTICOS LTDA |
|
48 3279-9023 |
|
LAMIPAK EMBALAGENS E LAMINADOS PLÁSTICOS LTDA |
|
49 3563-0033 |
|
MEGA EMBALAGENS LTDA |
|
51 3638-5200 |
|
OXIGÊNIO CUIABÁ LTDA |
|
65 3614-3000 |
|
PLASXOM ZOMER INDUSTRIA DE PLÁSTICOS LTDA |
|
48 3466-6200 |
|
SBDE - SOCIEDADE BRASILEIRA DE EMBALAGENS LTDA |
|
48 3631-3000 |
|
TRICOLOR TINTAS LTDA |
|
64 3431-6441 |
|
UNITINTAS COM DE TINTAS LTDA |
|
62 3227-5400 |
|
STAFF: |
|
|
|
THE COMPANY HAS: 340 EMPLOYEE(S) |
|
CONCEPT AND
FULFILMENT: |
|
THE SUBJECT IS A WELL-ESTABLISHED COMPANY, OPERATING SINCE 1998. SO
FAR IT HAS A CLEAR TRADE HISTORY AND GOOD PAYMENT BEHAVIOR. IT IS A
FAMILY-RUN COMPANY AND BOTH THE COMPANY AND THE PRINCIPALS ENJOY A FAVORABLE
REPUTATION AMONG LOCAL TRADE SOURCES. THE COMPANY HAS TRADE RELATIONS WITH SEVERAL SUPPLIERS IN BRAZIL. THE
SUPPLIERS EXTEND CREDIT FACILITIES TO THE SUBJECT IN TERMS AND AMOUNTS
ACCORDING TO THE COMPANY'S NEEDS AND SO FAR NO PAYMENT PROBLEMS ARE NOTED. THE LAWSUITS REPORTED ARE NOT RELATED WITH TRADE DEBTS. THEY ARE
RELATED TO TAX DEBTS THAT FOR ANY REASON THE COMPANY HAS NOT YET PAID.
NEVERTHELESS WE POINT OUT THAT THE SAID LAWSUITS DO NOT AFFECT THE COMPANY'S
TRADE REPUTATION. |
|
MAIN SUPPLIERS: |
|
|
|
|
|
|
|
DOMESTIC
SUPPLIERS: |
|
PHONE: |
|
ÁGUIA QUIMICA LTDA |
|
42 3220-2689 |
|
BRASKEM S/A |
|
51 3457-6295 |
|
CIA METALGRAFICA PAULISTA |
|
11 6099-7900 |
|
CIA NITRO QUIMICA BRASILEIRA |
|
11 2246-3118 |
|
CIA. PETROQUIMICA DO SUL - COPESUL |
|
51 3457-6295 |
|
CLARIANT S/A |
|
11 5641-7697 |
|
COPERSUCAR |
|
11 6618-8458 |
|
COREMAL COM REPRES MAIA LTDA |
|
11 4615-8130 |
|
LUBRIZOL DO BRASIL ADITIVOS LTDA |
|
21 2662-2224 |
|
MEALGRAFICA TREVISAN S/A |
|
41 3283-6060 |
|
OXITENO S/A |
|
11 3177-6318 |
|
RHODIA S/A |
|
41 3663-4331 |
|
USJ AÇÚCAR E ÁLCOOL S/A |
|
19 3543-7800 |
|
PAYMENT HISTORY: |
|
20 SUPPLIERS REPORTED PAYMENTS: |
|
TOTAL AMOUNT: R$ 1.436.654,00 |
|
|
|
AMOUNT OF INVOICES PAID: 485 |
|
TOTAL OF PROMPT PAYMENTS: 98% |
|
TOTAL OF DELAYED PAYMENTS: 2% |
|
|
|
HIGHEST INVOICE: R$ 36.121,00 |
|
|
|
OUTSTANDING
INVOICES DUE WITHIN THE NEXT 30 DAYS: |
|
--------------------------- |
SUPPLIERS: |
INVOICES: |
TOTAL AMOUNT: |
|
DUE WITHIN 30 DAYS |
1 |
4 |
R$ 2.640,19 |
FINAL
OPINION
|
|
THE SUBJECT IS A WELL-ESTABLISHED COMPANY IN BUSINESS FOR SEVERAL
YEARS. UP TO DATE IT HAS A FAIR FINANCIAL STANDING, A CLEAR TRADE HISTORY AND
GOOD PAYMENT BEHAVIOR. BASED ON THE GENERAL INFORMATION AVAILABLE IT IS BELIEVED THAT GOOD
TRADE RELATIONS MAY BE ESTABLISHED. CREDIT FACILITIES MAY BE EXTENDED WITHIN
TERMS AND AMOUNTS ADEQUATE TO THE COMPANY'S FINANCIAL STRENGTH. AN INITIAL CREDIT LIMIT OF USD 3.000.000,00 MAY BE CONSIDERED. |
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.62.18 |
|
|
1 |
Rs.95.71 |
|
Euro |
1 |
Rs.70.75 |
INFORMATION DETAILS
|
Analysis Done by
: |
RAS |
|
|
|
|
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.