MIRA INFORM REPORT

 

 

Report No. :

308160

Report Date :

25.02.2015

 

IDENTIFICATION DETAILS

 

Name :

AURIONPRO SCM PTE. LTD.

 

 

Registered Office :

438B, Alexandra Road, 05-11, Alexandra Technopark, 119968

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2014

 

 

Date of Incorporation :

09.11.2009

 

 

Com. Reg. No.:

200920948-R

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Wholesale of Computer Software.

 

 

No. of Employee :

Not Available

 

 

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)

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.

:

200920948-R

COMPANY NAME

:

AURIONPRO SCM PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

09/11/2009

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

438B, ALEXANDRA ROAD, 05-11, ALEXANDRA TECHNOPARK, 119968, SINGAPORE.

BUSINESS ADDRESS

:

438B ALEXANDRA ROAD #05-11 ALEXANDRA TECHNOPARK, 119968, SINGAPORE.

TEL.NO.

:

65-65364852

FAX.NO.

:

65-65364864

WEB SITE

:

WWW.AURIONPRO.COM

CONTACT PERSON

:

JADHAV DHANANJAY BALKRISHNA ( DIRECTOR )

PRINCIPAL ACTIVITY

:

WHOLESALE OF COMPUTER SOFTWARE

ISSUED AND PAID UP CAPITAL

:

1,585,000.00 ORDINARY SHARE, OF A VALUE OF USD 1,585,000.00

SALES

:

USD 2,556,747 [2014]

NET WORTH

:

USD 6,345,165 [2014]

STAFF STRENGTH

:

n/a [2015]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

GOOD

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

MARGINAL 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) wholesale of computer software.


 

The immediate holding company of the Subject is AURIONPRO SOLUTIONS LTD., a company incorporated in INDIA.


Share Capital History

Date

Issue & Paid Up Capital

17/02/2015

USD 1,585,000.00

 


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


Name

Address

IC/PP/Loc No

Shareholding

(%)

AURIONPRO SOLUTIONS LTD.

SUNSHINE TOWER, TULSI PIPE ROAD NEAR FLOWER MARKET, DADAR (WEST) MUMBAI, MAHARASHTRA, 35TH FLOOR, 400013, INDIA.

T03UF2941

1,585,000.00

100.00

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

------

1,585,000.00

100.00

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

=====

+ Also Director

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

V VASANTHI

Address

:

512, PASIR RIS STREET, 52, 09-123, 510512, SINGAPORE.

IC / PP No

:

S2183144A

Nationality

:

SINGAPOREAN

Date of Appointment

:

09/11/2009

 

DIRECTOR 2

 

Name Of Subject

:

MR. JADHAV DHANANJAY BALKRISHNA

Address

:

12, UPPER SERANGOON VIEW, 02-07, RIO VISTA, 534199, SINGAPORE.

IC / PP No

:

S7165131B

Nationality

:

SINGAPOREAN

Date of Appointment

:

09/11/2009




MANAGEMENT

 

1)

Name of Subject

:

JADHAV DHANANJAY BALKRISHNA

Position

:

DIRECTOR

 

 

AUDITOR

 

Auditor

:

S. RENGANATHAN & CO.

Auditor' Address

:

N/A

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

PATHIMA MUNEERA AZMI

IC / PP No

:

S2715498J

Address

:

122, JURONG EAST STREET, 13, 02-31, IVORY HEIGHTS, 600122, SINGAPORE.

 

2)

Company Secretary

:

CHENG LIAN SIANG

IC / PP No

:

S1519832Z

Address

:

7, SIN MING WALK, 20-17, THE GARDENS AT BISHAN, 575577, SINGAPORE.

 

 

BANKING


No Banker found in our databank.

 

ENCUMBRANCE (S)


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

 

 

LITIGATION 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

[

X

]

Average 61-90 Days

[

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

Export Market

:

ASIA

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

OPERATIONS

 

Goods Traded

:

COMPUTER SOFTWARE

 

Total Number of Employees:

 

YEAR

2015

2014

2013

N/A

N/A

COMPANY

n/a

11

7

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) wholesale of computer software.

The Subject refused to disclose its operation.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-65364852

Match

:

N/A

Address Provided by Client

:

39, ROBINSON ROAD, # 07-01, ROBINSON POINT, SINGAPORE -068911

Current Address

:

438B ALEXANDRA ROAD #05-11 ALEXANDRA TECHNOPARK, 119968, SINGAPORE.

Match

:

NO

 

Other Investigations


On 16th February 2015 we contacted one of the staff from the Subject and she provided some information.

The Subject had shifted from the address provided.

She refused to disclose the Subject's number of employees.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Erratic

[

2012 - 2014

]

Profit/(Loss) Before Tax

:

Decreased

[

2012 - 2014

]

Return on Shareholder Funds

:

Acceptable

[

23.97%

]

Return on Net Assets

:

Acceptable

[

14.32%

]

The fluctuating turnover reflects the fierce competition among the existing and new market players.The Subject's profit fell sharply because of the high operating costs incurred. The Subject's management had generated acceptable return for its shareholders using its assets.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Unfavourable

[

114 Days

]

Creditors Ratio

:

Favourable

[

5 Days

]

As the Subject is a service oriented company, the Subject does not need to keep stocks. The Subject's debtors ratio was high. The Subject should tighten its credit control and improve its collection period. 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

[

0.76 Times

]

Current Ratio

:

Unfavourable

[

0.76 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

:

Acceptable

[

9.70 Times

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject's interest cover was slightly low. If there is no sharp fall in its profit or sudden increase in the interest rates, we believe the Subject is able to generate sufficient income to service its interest and repay the loans. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

The Subject recorded lower profits as its turnover showed a erratic trend. The Subject's management was unable to control its costs efficiently as its profit showed a downward trend. 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 had an acceptable interest cover. If there is no sudden sharp increase in interest rate or fall in the Subject's profit, we do believe the Subject is able to generate sufficient cash flow to service its interest payment. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : FAIR

 

 

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)



INDUSTRY ANALYSIS

 

INDUSTRY :

INFORMATION TECHNOLOGY

Singapore's infocomm services industry is well-positioned to tap into the new business opportunities of the digital age. An early mover in infocomm technology, Singapore today ranks as the second most network-ready country in the world and the first in Asia, according to the World Economic Forum's "Global Information Technology Report 2014". The roll out of the Intelligent Nation 2015 Master Plan and the National Broadband Network will further strengthen Singapore's infrastructure network.

Furthermore, BMI has a positive outlook for the growth of Singapore's IT market in 2014, which will underperform emerging market growth rates, but is expected to outperform against other developed markets. Strong income growth, exposure to the APAC growth story and government policy will all support IT market growth over the medium term. Growth from the sales of PC and devices will slow as high device penetration in the city state means little prospect for first time sales, but short replacement cycles and strong demand for premium devices will ensure it remains a lucrative market for vendors. Considering the government active push to promote Singapore as a destination for cloud, big data and analytics services, Singapore should be a strong contender in the data centre space against peers such as Australia, Taiwan, South Korea and Hong Kong.

The information & communications sector grew by 2.3% in the third quarter of 2014. Previously, in the fourth quarter of 2013, the information & communications sector grew by 5.0%, following the 6.0% expansion in the preceding quarter. For the whole of 2013, growth was 5.5%, lower than the 6.2% in 2012.

Nonetheless, computer hardware sales forecast to increase from SGD2.926bn in 2014 to SGD3.333bn in 2018, equating to a compound annual growth rate (CAGR) of 3.5% in local currency terms. The slowdown in tablet sales represents downside by a stabilization in desktop and notebook volumes will see the market continue to grow over the medium term. Besides, software sales forecast to increase from SGD1.436bn in 2014 to SGD1.733bn in 2018, representing a CAGR of 5.2% in local currency terms. SME demand for basic enterprise software (particularly SaaS), complex deployments by large enterprises and investments in security software will all be growth areas.

IT Services sales forecast to increase from SGD3.236bn in 2014 to SGD4.091bn in 2018, equating to a CAGR of 5.9% in local currency terms. Growing demand for cloud computing, big data and analytics services from telecoms, healthcare, logistics and government will support IT services outperformance.

The Intelligent Nation 2015 master plan lays out the blueprint for Singapore’s infocomm strategies in the digital age, with the creation of some 80,000 jobs and an increase of value-add to SGD 26 billion. The master plan will incorporate emerging technologies and leverage strategic developments. Some of these emerging developments include Cloud Computing, Business Analytics and Green ICT. While Singapore has performed well in international e-Government rankings, the next e-Government master plan is already in the pipeline to ensure that we remain at the forefront of e-Government practice and services.

OVERALL INDUSTRY OUTLOOK : MARGINAL GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2009, the Subject is a Private Limited company, focusing on wholesale of computer software. The Subject has been in business for less than 5 years and it has slowly been building up contact with its clients while competing in the industry. However, it has yet to enjoy a stable market shares as it need to compete many well established players in the same field. A paid up capital of USD 1,585,000 allows the Subject to expand its business more comfortably. With a strong backing from its holding company, the Subject enjoys timely financial assistance should the needs arise.

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. 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.

The Subject's business performance showed a reverse trend as both its turnover and pre-tax profit have decreased compared to the previous year. Return on shareholders' funds of the Subject was at a favourable range which indicated that the management was efficient in utilising its funds to generate income. 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. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at USD 6,345,165, 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.

Overall, the Subject's payment habit is good as the Subject has a good credit control and it could be taking advantage of the cash discounts while maintaining a good reputation with its creditors.

The industry has reached its maturity stage and only enjoying a marginal growth. The steady growth of the country's economy will further enhance the industry activities. Thus, the Subject's future performance is very much depend on its marketing strategies in order to retain its position in the market.

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.

 

Financial Year End

2014-03-31

2013-03-31

2012-03-31

Months

12

12

12

Consolidated Account

Company

Company

Company

Audited Account

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

Financial Type

FULL

FULL

FULL

Currency

USD

USD

USD

TURNOVER

2,556,747

3,346,469

2,768,647

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

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

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

Total Turnover

2,556,747

3,346,469

2,768,647

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

814,670

1,554,416

682,002

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

814,670

1,554,416

682,002

Taxation

706,000

172,364

265,015

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

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

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

PROFIT/(LOSS) AFTER TAXATION

1,520,670

1,726,780

947,017

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

3,239,495

1,512,715

565,698

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

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

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

As restated

3,239,495

1,512,715

565,698

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

4,760,165

3,239,495

1,512,715

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

4,760,165

3,239,495

1,512,715

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Others

93,644

62,682

-

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

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

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

93,644

62,682

-

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

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

 

BALANCE SHEET

 

ASSETS EMPLOYED:

FIXED ASSETS

3,214,136

3,347,607

3,102,780

Deferred assets

1,064,000

358,000

270,000

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

1,064,000

358,000

270,000

Others

3,477,977

2,447,978

457,978

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

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

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

TOTAL INTANGIBLE ASSETS

3,477,977

2,447,978

457,978

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

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

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

TOTAL LONG TERM ASSETS

7,756,113

6,153,585

3,830,758

Trade debtors

801,034

357,318

96,306

Other debtors, deposits & prepayments

921,526

727,489

751,179

Amount due from related companies

2,762,916

1,309,111

178,896

Cash & bank balances

2,609

3,881

18,486

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

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

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

TOTAL CURRENT ASSETS

4,488,085

2,397,799

1,044,867

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

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

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

TOTAL ASSET

12,244,198

8,551,384

4,875,625

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

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

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

CURRENT LIABILITIES

Trade creditors

37,446

51,189

28,004

Other creditors & accruals

34,355

75,378

61,208

Amounts owing to holding company

4,708,882

3,273,238

1,331,556

Amounts owing to related companies

1,118,350

1,027,084

1,932,142

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

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

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

TOTAL CURRENT LIABILITIES

5,899,033

4,426,889

3,352,910

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

(1,410,948)

(2,029,090)

(2,308,043)

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

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

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

TOTAL NET ASSETS

6,345,165

4,124,495

1,522,715

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

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

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

SHARE CAPITAL

Ordinary share capital

1,585,000

885,000

10,000

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

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

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

TOTAL SHARE CAPITAL

1,585,000

885,000

10,000

Retained profit/(loss) carried forward

4,760,165

3,239,495

1,512,715

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

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

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

TOTAL RESERVES

4,760,165

3,239,495

1,512,715

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

6,345,165

4,124,495

1,522,715

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

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

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

6,345,165

4,124,495

1,522,715

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

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

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

 

 

FINANCIAL RATIO

 

TYPES OF FUNDS

Cash

2,609

3,881

18,486

Net Liquid Funds

2,609

3,881

18,486

Net Liquid Assets

(1,410,948)

(2,029,090)

(2,308,043)

Net Current Assets/(Liabilities)

(1,410,948)

(2,029,090)

(2,308,043)

Net Tangible Assets

2,867,188

1,676,517

1,064,737

Net Monetary Assets

(1,410,948)

(2,029,090)

(2,308,043)

BALANCE SHEET ITEMS

Total Borrowings

0

0

0

Total Liabilities

5,899,033

4,426,889

3,352,910

Total Assets

12,244,198

8,551,384

4,875,625

Net Assets

6,345,165

4,124,495

1,522,715

Net Assets Backing

6,345,165

4,124,495

1,522,715

Shareholders' Funds

6,345,165

4,124,495

1,522,715

Total Share Capital

1,585,000

885,000

10,000

Total Reserves

4,760,165

3,239,495

1,512,715

LIQUIDITY (Times)

Cash Ratio

0.00

0.00

0.01

Liquid Ratio

0.76

0.54

0.31

Current Ratio

0.76

0.54

0.31

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

0

Debtors Ratio

114

39

13

Creditors Ratio

5

6

4

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

0.00

Liabilities Ratio

0.93

1.07

2.20

Times Interest Earned Ratio

9.70

25.80

0.00

Assets Backing Ratio

1.81

1.89

106.47

PERFORMANCE RATIO (%)

Operating Profit Margin

31.86

46.45

24.63

Net Profit Margin

59.48

51.60

34.21

Return On Net Assets

14.32

39.21

44.79

Return On Capital Employed

9.25

24.60

34.43

Return On Shareholders' Funds/Equity

23.97

41.87

62.19

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

0

 

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.27

UK Pound

1

Rs.96.21

Euro

1

Rs.70.60

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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

--

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.