MIRA INFORM REPORT

 

 

Report No. :

309599

Report Date :

26.02.2015

 

IDENTIFICATION DETAILS

 

Name :

AVRA COMMODITIES PTE. LTD.

 

 

Registered Office :

137, Telok Ayer Street, 04- 05, 068602

 

 

Country :

Singapore

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

11.01.2011

 

 

Com. Reg. No.:

201101118-W

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Trading of Coal and Other Commodity Products.

 

 

No. of Employees :

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.

:

201101118-W

COMPANY NAME

:

AVRA COMMODITIES PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

11/01/2011

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

137, TELOK AYER STREET, 04- 05, 068602, SINGAPORE.

BUSINESS ADDRESS

:

137 TELOK AYER STREET #04- 05,, 068602, SINGAPORE.

TEL.NO.

:

65-62229775

FAX.NO.

:

65-62219369

CONTACT PERSON

:

BENJAMIN DAVID HARBURG ( DIRECTOR )

PRINCIPAL ACTIVITY

:

TRADING OF COAL AND OTHER COMMODITY PRODUCTS

ISSUED AND PAID UP CAPITAL

:

2,500,000.00 ORDINARY SHARE, OF A VALUE OF USD 2,500,000.00

SALES

:

USD 353,674,835 [2013]

NET WORTH

:

USD 2,143,325 [2013]

STAFF STRENGTH

:

N/A

BANKER (S)

:

BNP PARIBAS

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

GOOD

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 coal and other commodity products.

 

The immediate holding company of the Subject is AVRA INTERNATIONAL PTE. LTD., a company incorporated in SINGAPORE.

 

Share Capital History

Date

Issue & Paid Up Capital

25/02/2015

USD 2,500,000.00

 

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

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

AVRA INTERNATIONAL PTE. LTD.

137, TELOK AYER STREET, 04 - 05, 069909, SINGAPORE.

200916955R

2,500,000.00

100.00

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

------

2,500,000.00

100.00

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

=====

+ Also Director

 

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

 

Local No

Country

Company

(%)

As At

INDONESIA

PT AVRA INDONESIA

99.00

31/12/2013

INDONESIA

PT. AVRA RESOURCES MANAGEMENT

80.00

31/12/2013



 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

BENJAMIN DAVID HARBURG

Address

:

6, CORONATION ROAD WEST, 01 - 00, 269239, SINGAPORE.

IC / PP No

:

G6438773T

Nationality

:

AMERICAN

Date of Appointment

:

13/03/2012

 

DIRECTOR 2

 

Name Of Subject

:

MR. ESBEN SOFREN POULSSON

Address

:

214, DEPOT ROAD, THE INTERLACE, 109701, SINGAPORE.

IC / PP No

:

S2733700G

Nationality

:

SINGAPOREAN

Date of Appointment

:

11/01/2011

 

DIRECTOR 3

 

Name Of Subject

:

SIMON NICHOLAS IAN HARRISON

Address

:

6, CORONATION ROAD WEST, 01 - 00, 269239, SINGAPORE.

IC / PP No

:

G5040152P

Nationality

:

BRITISH

Date of Appointment

:

11/01/2011

 

DIRECTOR 4

 

Name Of Subject

:

BENJAMIN WILLIAM BURGESS

Address

:

APARTMENT PAVILLION TOWER 1, UNIT 1103, JALAN KH MAS MANSYUR, KAV 24, KARET TENGSIN, TANAH ABANG, JAKARTA, 10220, INDONESIA.

IC / PP No

:

E4104644

Nationality

:

AUSTRALIAN

Date of Appointment

:

13/03/2014


MANAGEMENT

 

 

 

1)

Name of Subject

:

BENJAMIN DAVID HARBURG

Position

:

DIRECTOR

 

 

 

AUDITOR

 

Auditor

:

MOORE STEPHENS LLP

Auditor' Address

:

N/A

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

SHIRLEY LIM GUAT HUA

IC / PP No

:

S2510643A

Address

:

5, BEDOK PLACE, BEDOK GROVE, 486078, SINGAPORE.

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

BNP PARIBAS

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C201109591

03/08/2011

N/A

BNP PARIBAS

-

Unsatisfied

C201303572

06/03/2013

N/A

DBS BANK LIMITED

-

Unsatisfied

C201411475

21/10/2014

N/A

CREDIT SUISSE AG

-

Unsatisfied

C201411479

21/10/2014

N/A

CREDIT SUISSE AG

-

Unsatisfied

C201411481

21/10/2014

N/A

CREDIT SUISSE AG

-

Unsatisfied

 

 

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

:

N/A

Overseas

:

N/A


The Subject refused to disclose its suppliers.


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

:

WORLDWIDE

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

OPERATIONS

 

Goods Traded

:

COAL AND OTHER COMMODITY PRODUCTS

 

Branch

:

NO

 

Other Information:


The Subject is principally engaged in the (as a / as an) trading of coal and other commodity products.


The Subject refused to disclose any information on its operation.



CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-62229775

Match

:

N/A

Address Provided by Client

:

137 TELOK AYER STREET #04-05 SINGAPORE 068602

Current Address

:

137 TELOK AYER STREET #04- 05,, 068602, SINGAPORE.

Match

:

YES

 

Other Investigations


We contacted one of the staff from the Subject and she provided some information.

The address provided is incomplete.

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


FINANCIAL ANALYSIS

 

 

Profitability

Turnover

:

Increased

[

2011 - 2013

]

Profit/(Loss) Before Tax

:

Increased

[

2011 - 2013

]

Return on Shareholder Funds

:

Favourable

[

63.38%

]

Return on Net Assets

:

Favourable

[

32.65%

]

The Subject's turnover increased steadily as the demand for its products / services increased due to the goodwill built up over the years.The Subject's management have been efficient in controlling its operating costs. Generally the Subject was profitable. The favourable return on shareholders' funds and return on net assets indicate that the Subject's management was efficient in utilising the assets to generate returns.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Favourable

[

28 Days

]

Creditors Ratio

:

Favourable

[

16 Days

]

As the Subject is a service oriented company, the Subject does not need to keep stocks. 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

[

0.70 Times

]

Current Ratio

:

Unfavourable

[

0.70 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

[

3.29 Times

]

Gearing Ratio

:

Unfavourable

[

5.99 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 was highly geared, thus it had a high financial risk. The Subject was dependent on loans to finance its business needs. In times of economic downturn and / or high interest rate, the Subject will become less profitable and competitive than other firms in the same industry, which are lowly geared. This is because the Subject has to service the interest and to repay the loan, which will erode part of its profits. The profits will fluctuate depending on the Subject's turnover and the interest it needs to pay.

Overall Assessment :

Generally, the Subject's performance has improved with higher turnover and profit. 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's gearing level was high and its going concern will be in doubt if there is no injection of additional shareholders' funds in times of economic downturn and / or high interest rates.

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 :

TRADING

The wholesale and retail trade sectors have expanded by 2.0% in the third quarter of 2014, extending the 1.8 per cent growth in the previous quarter. In 2013, the wholesale and retail sector expanded by 5.0%, after declining by 1.4% the year before. Growth of the sector was driven by the wholesale trade segment.

The domestic wholesale trade index has increased by 3.2% in the fourth quarter of 2013, moderating from the 6.6% growth in the previous quarter. The slower growth was due to a decline in the sales of furniture and household equipment (-12%) and petroleum and petroleum products (-0.6%). For the full year, the domestic wholesale trade index grew by 5.2% reversing the 2.2% decline in 2012. On the other hand, the foreign wholesale trade index has increased by a slower pace of 5.6% in the fourth quarter, compared to the 7.7% expansion in the preceding quarter. The slowdown was due to a fall in the sales of telecommunication equipment and computer (-3.8%) and petroleum and petroleum products (-2.5%). For the full year, the growth of the foreign wholesale trade index moderated slightly to 8.6% from 9.1% in the previous year.

In the fourth quarter of 2013, retail sales volume fell by 6.2%, extending the 5.6% decline in the previous quarter. Excluding motor vehicles, retail sales volume increased by 0.4%, a slower pace of expansion as compared to the 1.6% gain in the preceding quarter. The sales volume of motor vehicles fell by 33% in the fourth quarter of 2013, extending the 32% decline in the previous quarter. Meanwhile, the sales of several discretionary items also fell in the fourth quarter of 2013. For instance, the sales of telecommunications apparatus and computers fell by 12%, while the sales of furniture and household equipment declined by 5.4%.

For the full year, retail sales volume contracted by 4.3%, a reversal from the 1.3% expansion in 2012. Excluding motor vehicle sales, the retail sales volume grew by 1.1% in 2013, slower than the 1.7% increase in 2012. Watches and jewellery recorded the largest increase (11%) in sales in 2013, followed by optical goods and book (3%) and medical goods and toiletries (3%). By contrast, the sales of telecommunications apparatus and computer (-7.3%), furniture and household equipment (-4.2%) and petrol service stations (-1.4) declined in 2013.

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 

 


Incorporated in 2011, the Subject is a Private Limited company, focusing on trading of coal and other commodity products. 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 2,500,000 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.

From the investigation revealed, 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.

We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. Based on the higher profitability, the Subject has generated a favourable return based on its existing shareholders' funds 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. The high gearing ratio clearly implied that the Subject was supported by more debt than equity. Thus, the Subject is exposed to high financial risk. Given a positive net worth standing at USD 2,143,325, the Subject should be able to maintain its business in the near terms.

Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises.

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 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.

AVRA COMMODITIES PTE. LTD.

 

Financial Year End

2013-12-31

2012-12-31

2011-12-31

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

353,674,835

187,102,248

3,750,890

Other Income

32,783

3,129

20,959

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

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

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

Total Turnover

353,707,618

187,105,377

3,771,849

Costs of Goods Sold

(346,476,336)

(180,866,891)

(3,954,583)

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

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

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

Gross Profit

7,231,282

6,238,486

(182,734)

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

1,500,220

1,368,643

(1,003,656)

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

1,500,220

1,368,643

(1,003,656)

Taxation

(141,882)

-

-

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

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

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

PROFIT/(LOSS) AFTER TAXATION

1,358,338

1,368,643

(1,003,656)

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

364,987

(1,003,656)

-

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

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

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

As restated

364,987

(1,003,656)

-

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

1,723,325

364,987

(1,003,656)

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

1,723,325

364,987

(1,003,656)

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Others

656,031

386,167

-

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

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

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

656,031

386,167

-

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

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

 

BALANCE SHEET

 

 

AVRA COMMODITIES PTE. LTD.

 

LONG TERM INVESTMENTS/OTHER ASSETS

Subsidiary companies

2,200,000

2,200,000

-

Others

28,049,812

3,632,933

-

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

30,249,812

5,832,933

-

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

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

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

TOTAL LONG TERM ASSETS

30,249,812

5,832,933

-

Trade debtors

27,081,633

37,062,329

-

Other debtors, deposits & prepayments

18,779,492

16,469,053

162,211

Short term deposits

1,164,099

4,270,144

-

Amount due from subsidiary companies

1,365,955

-

-

Amount due from related companies

453,307

350,059

-

Cash & bank balances

6,803,636

6,827,773

690,475

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

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

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

TOTAL CURRENT ASSETS

55,648,122

64,979,358

852,686

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

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

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

TOTAL ASSET

85,897,934

70,812,291

852,686

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

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

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

CURRENT LIABILITIES

Trade creditors

14,981,243

21,484,603

-

Other creditors & accruals

1,092,405

869,328

72,034

Short term borrowings/Term loans

453,307

-

-

Other borrowings

7,928,939

8,749,614

-

Amounts owing to holding company

48,009,238

37,281,713

1,269,833

Amounts owing to subsidiary companies

2,404,326

1,576,926

-

Amounts owing to related companies

2,621,948

65,120

94,475

Provision for taxation

132,794

-

-

Other liabilities

1,670,000

-

-

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

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

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

TOTAL CURRENT LIABILITIES

79,294,200

70,027,304

1,436,342

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

(23,646,078)

(5,047,946)

(583,656)

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

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

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

TOTAL NET ASSETS

6,603,734

784,987

(583,656)

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

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

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

SHARE CAPITAL

Ordinary share capital

420,000

420,000

420,000

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

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

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

TOTAL SHARE CAPITAL

420,000

420,000

420,000

Retained profit/(loss) carried forward

1,723,325

364,987

(1,003,656)

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

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

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

TOTAL RESERVES

1,723,325

364,987

(1,003,656)

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

2,143,325

784,987

(583,656)

Long term loans

4,460,409

-

-

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

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

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

TOTAL LONG TERM LIABILITIES

4,460,409

-

-

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

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

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

6,603,734

784,987

(583,656)

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

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

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

 

 

FINANCIAL RATIO

 

 

AVRA COMMODITIES PTE. LTD.

 

TYPES OF FUNDS

Cash

7,967,735

11,097,917

690,475

Net Liquid Funds

7,967,735

11,097,917

690,475

Net Liquid Assets

(23,646,078)

(5,047,946)

(583,656)

Net Current Assets/(Liabilities)

(23,646,078)

(5,047,946)

(583,656)

Net Tangible Assets

6,603,734

784,987

(583,656)

Net Monetary Assets

(28,106,487)

(5,047,946)

(583,656)

BALANCE SHEET ITEMS

Total Borrowings

12,842,655

8,749,614

0

Total Liabilities

83,754,609

70,027,304

1,436,342

Total Assets

85,897,934

70,812,291

852,686

Net Assets

6,603,734

784,987

(583,656)

Net Assets Backing

2,143,325

784,987

(583,656)

Shareholders' Funds

2,143,325

784,987

(583,656)

Total Share Capital

420,000

420,000

420,000

Total Reserves

1,723,325

364,987

(1,003,656)

LIQUIDITY (Times)

Cash Ratio

0.10

0.16

0.48

Liquid Ratio

0.70

0.93

0.59

Current Ratio

0.70

0.93

0.59

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

0

Debtors Ratio

28

72

0

Creditors Ratio

16

43

0

SOLVENCY RATIOS (Times)

Gearing Ratio

5.99

11.15

0.00

Liabilities Ratio

39.08

89.21

(2.46)

Times Interest Earned Ratio

3.29

4.54

0.00

Assets Backing Ratio

15.72

1.87

(1.39)

PERFORMANCE RATIO (%)

Operating Profit Margin

0.42

0.73

(26.76)

Net Profit Margin

0.38

0.73

(26.76)

Return On Net Assets

32.65

223.55

171.96

Return On Capital Employed

32.65

223.55

171.96

Return On Shareholders' Funds/Equity

63.38

174.35

171.96

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.62.05

UK Pound

1

Rs.96.03

Euro

1

Rs.70.43

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

NIT

 

               

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.