MIRA INFORM REPORT

 

 

Report No. :

309815

Report Date :

28.02.2015

 

IDENTIFICATION DETAILS

 

Name :

TLA SPORTS PTE. LTD.

 

 

Formerly Known As :

TLA (SPORTS EQUIPMENT) PTE. LTD.

 

 

Registered Office :

73, Bukit Timah Road, 01-01, Rex House, 229832

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2014

 

 

Date of Incorporation :

08.04.2004

 

 

Com. Reg. No.:

200404296-G

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Wholesale of sporting goods and equipment

 

 

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.

:

200404296-G

COMPANY NAME

:

TLA SPORTS PTE. LTD.

FORMER NAME

:

TLA (SPORTS EQUIPMENT) PTE. LTD. (05/05/2004)

INCORPORATION DATE

:

08/04/2004

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

73, BUKIT TIMAH ROAD, 01-01, REX HOUSE, 229832, SINGAPORE.

BUSINESS ADDRESS

:

73, BUKIT TIMAH ROAD, 01-01, REX HOUSE, 229832, SINGAPORE.

TEL.NO.

:

65-68820988

FAX.NO.

:

65-68820932

CONTACT PERSON

:

MICHAEL KOH KOW TEE ( MANAGING DIRECTOR )

PRINCIPAL ACTIVITY

:

WHOLESALE OF SPORTING GOODS AND EQUIPMENT

ISSUED AND PAID UP CAPITAL

:

100,000.00 ORDINARY SHARE, OF A VALUE OF SGD 100,000.00

SALES

:

USD 464,815,176 [2014]

NET WORTH

:

USD 34,751,709 [2014]

STAFF STRENGTH

:

N/A

BANKER (S)

:

INDUSTRIAL & COMMERCIAL BANK LTD
THE HONGKONG AND SHANGHAI BANKING CORPORATION LTD

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

STRONG

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 

HISTORY / BACKGROUND


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

 

The Subject is principally engaged in the (as a / as an) wholesale of sporting goods and equipment.


 

The immediate holding company of the Subject is TEX LINE ASSOCIATES PTE LTD, a company incorporated in SINGAPORE.

 


Share Capital History

Date

Issue & Paid Up Capital

27/02/2015

SGD 100,000.00

 


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


Name

Address

IC/PP/Loc No

Shareholding

(%)

TEX LINE ASSOCIATES PTE LTD

73 BUKIT TIMAH ROAD , 01 - 01 REX HOUSE, 229832, SINGAPORE.

198905457K

100,000.00

100.00

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

------

100,000.00

100.00

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

=====

+ Also Director

 


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



Local No

Country

Company

(%)

As At

CHINA

TLA SPORTS (SHENZHEN) PTE. LTD.

100.00

31/03/2014




 

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

SIM KIM CHOON

Address

:

1D, LYNWOOD GROVE, ONE LYNWOOD, 358679, SINGAPORE.

IC / PP No

:

S0018165Z

Nationality

:

SINGAPOREAN

Date of Appointment

:

08/04/2004

 

DIRECTOR 2

 

Name Of Subject

:

MR. MICHAEL KOH KOW TEE

Address

:

201, OCEAN DRIVE, 06-05 , THE AZURE, 098584, SINGAPORE.

IC / PP No

:

S0018917J

Nationality

:

SINGAPOREAN

Date of Appointment

:

08/04/2004




MANAGEMENT

 

 

1)

Name of Subject

:

MICHAEL KOH KOW TEE

Position

:

MANAGING DIRECTOR

 

 

 

AUDITOR

 

Auditor

:

ERNST & YOUNG LLP

Auditor' Address

:

N/A

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

CHAN FANNY

IC / PP No

:

S1581535C

Address

:

866, TAMPINES STREET, 83, 02-225, 520866, SINGAPORE.

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

INDUSTRIAL & COMMERCIAL BANK LTD

 

2)

Name

:

THE HONGKONG AND SHANGHAI BANKING CORPORATION LTD

 

 

 

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

:

N/A

Overseas

:

N/A


The Subject refused to disclose its suppliers information.

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

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

]

Good 31-60 Days

[

]

Average 61-90 Days

[

X

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

Export Market

:

ASIA

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

OPERATIONS

 

Goods Traded

:

SPORTS EQUIPMENT AND RELATED PRODUCTS

 

Total Number of Employees:

YEAR

2012

GROUP

N/A

COMPANY

1,000

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) wholesale of sporting goods and equipment.

The Subject's principal activities are those of provision of sourcing and buying services for sports equipment, products and related articles of all descriptions.

Background (holding company):
Tex line associates pte ltd (tla) is a service-oriented organization that provides complete and comprehensive apparel sourcing & supply chain management.

The Subject's main business is to source products for their customers, organise the shipping and qc inspections and keep their customers up to date with the latest developments.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-68820988

Match

:

N/A

Address Provided by Client

:

NO. 73 BUKIT TIMAH ROAD # 02-01 REX HOUSE SINGAPORE - 229832 SINGAPORE

Current Address

:

73, BUKIT TIMAH ROAD, 01-01, REX HOUSE, 229832, SINGAPORE.

Match

:

NO

 

Other Investigations


On 25th February 2015 we contacted one of the staff from the Subject and she provided some information.

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

The Subject had shifted from the address provided.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Increased

[

2010 - 2014

]

Profit/(Loss) Before Tax

:

Increased

[

2010 - 2014

]

Return on Shareholder Funds

:

Acceptable

[

26.27%

]

Return on Net Assets

:

Acceptable

[

29.18%

]

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. The Subject's management had generated acceptable return for its shareholders using its assets.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Favourable

[

33 Days

]

Creditors Ratio

:

Favourable

[

55 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

:

Favourable

[

1.38 Times

]

Current Ratio

:

Unfavourable

[

1.38 Times

]

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Nil

[

0.00 Times

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject's interest cover was nil as it did not pay any interest during the year. 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 :

Generally, the Subject's performance has improved with higher turnover and profit. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject did not make any interest payment during the year. The Subject was dependent on its shareholders' funds to finance its business needs. The Subject 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 : STRONG

 

 

 

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 2004, the Subject is a Private Limited company, focusing on wholesale of sporting goods and equipment. Having been in the industry for over a decade, the Subject has achieved a certain market share and has built up a satisfactory reputation in the market. It should have received supports from its regular customers. With an issued and paid up capital of SGD 100,000 and strong backing from its holding company, the Subject has the ability to further expand its business in the future compared to other corporation.

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.

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. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. 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 34,751,709, 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.

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

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

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

 



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

2011-03-31

2010-03-31

Months

12

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

FULL

Currency

USD

USD

USD

USD

USD

TURNOVER

464,815,176

443,443,953

347,117,459

267,917,430

224,010,354

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

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

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

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

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

Total Turnover

464,815,176

443,443,953

347,117,459

267,917,430

224,010,354

Costs of Goods Sold

(449,238,421)

(429,252,188)

(335,991,972)

(259,034,055)

(216,443,351)

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

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

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

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

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

Gross Profit

15,576,755

14,191,765

11,125,487

8,883,375

7,567,003

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

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

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

10,141,917

8,818,189

6,460,302

4,094,819

3,601,674

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

10,141,917

8,818,189

6,460,302

4,094,819

3,601,674

Taxation

(1,014,192)

(869,647)

(602,489)

(486,513)

(360,148)

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

9,127,725

7,948,542

5,857,813

3,608,306

3,241,526

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

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

25,563,852

17,615,310

11,757,497

8,149,191

6,407,665

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

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

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

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

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

As restated

25,563,852

17,615,310

11,757,497

8,149,191

6,407,665

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

34,691,577

25,563,852

17,615,310

11,757,497

9,649,191

DIVIDENDS - Ordinary (paid & proposed)

-

-

-

-

(1,500,000)

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

34,691,577

25,563,852

17,615,310

11,757,497

8,149,191

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

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

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

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

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

 

 

 

BALANCE SHEET

 

 

ASSETS EMPLOYED:

FIXED ASSETS

3,897

5,516

7,441

9,366

7,963

LONG TERM INVESTMENTS/OTHER ASSETS

Subsidiary companies

2

2

2

2

2

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

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

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

2

2

2

2

2

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

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

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

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

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

TOTAL LONG TERM ASSETS

3,899

5,518

7,443

9,368

7,965

Trade debtors

41,647,693

29,417,205

18,972,812

-

-

Other debtors, deposits & prepayments

-

1,708

1,578

314

4,283

Amount due from holding company

57,508,587

49,483,585

42,754,724

13,084,225

9,168,968

Amount due from subsidiary companies

449,066

440,286

167,729

-

80,096

Amount due from related companies

792

758

27,793

2,311

926

Cash & bank balances

25,973,861

6,835,780

1,963,666

216,210

201,133

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

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

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

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

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

TOTAL CURRENT ASSETS

125,579,999

86,179,322

63,888,302

13,303,060

9,455,406

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

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

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

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

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

TOTAL ASSET

125,583,898

86,184,840

63,895,745

13,312,428

9,463,371

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

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

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

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

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

CURRENT LIABILITIES

Trade creditors

67,948,299

42,323,983

43,374,371

-

-

Other creditors & accruals

4,325,978

3,752,756

1,934,390

974,723

817,979

Amounts owing to holding company

17,272,870

13,329,728

-

-

-

Amounts owing to subsidiary companies

155,522

205,869

270,542

-

-

Amounts owing to related companies

202,185

179,814

161,360

122,764

143,340

Provision for taxation

927,335

768,706

479,640

397,312

292,729

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

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

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

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

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

TOTAL CURRENT LIABILITIES

90,832,189

60,560,856

46,220,303

1,494,799

1,254,048

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

34,747,810

25,618,466

17,667,999

11,808,261

8,201,358

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

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

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

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

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

TOTAL NET ASSETS

34,751,709

25,623,984

17,675,442

11,817,629

8,209,323

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

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

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

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

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

SHARE CAPITAL

Ordinary share capital

60,132

60,132

60,132

60,132

60,132

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

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

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

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

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

TOTAL SHARE CAPITAL

60,132

60,132

60,132

60,132

60,132

Retained profit/(loss) carried forward

34,691,577

25,563,852

17,615,310

11,757,497

8,149,191

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

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

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

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

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

TOTAL RESERVES

34,691,577

25,563,852

17,615,310

11,757,497

8,149,191

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

34,751,709

25,623,984

17,675,442

11,817,629

8,209,323

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

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

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

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

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

34,751,709

25,623,984

17,675,442

11,817,629

8,209,323

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

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

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

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

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

 

 

 

FINANCIAL RATIO

 

 

TYPES OF FUNDS

Cash

25,973,861

6,835,780

1,963,666

216,210

201,133

Net Liquid Funds

25,973,861

6,835,780

1,963,666

216,210

201,133

Net Liquid Assets

34,747,810

25,618,466

17,667,999

11,808,261

8,201,358

Net Current Assets/(Liabilities)

34,747,810

25,618,466

17,667,999

11,808,261

8,201,358

Net Tangible Assets

34,751,709

25,623,984

17,675,442

11,817,629

8,209,323

Net Monetary Assets

34,747,810

25,618,466

17,667,999

11,808,261

8,201,358

BALANCE SHEET ITEMS

Total Borrowings

0

0

0

0

0

Total Liabilities

90,832,189

60,560,856

46,220,303

1,494,799

1,254,048

Total Assets

125,583,898

86,184,840

63,895,745

13,312,428

9,463,371

Net Assets

34,751,709

25,623,984

17,675,442

11,817,629

8,209,323

Net Assets Backing

34,751,709

25,623,984

17,675,442

11,817,629

8,209,323

Shareholders' Funds

34,751,709

25,623,984

17,675,442

11,817,629

8,209,323

Total Share Capital

60,132

60,132

60,132

60,132

60,132

Total Reserves

34,691,577

25,563,852

17,615,310

11,757,497

8,149,191

LIQUIDITY (Times)

Cash Ratio

0.29

0.11

0.04

0.14

0.16

Liquid Ratio

1.38

1.42

1.38

8.90

7.54

Current Ratio

1.38

1.42

1.38

8.90

7.54

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

0

0

0

Debtors Ratio

33

24

20

0

0

Creditors Ratio

55

36

47

0

0

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

0.00

0.00

0.00

Liabilities Ratio

2.61

2.36

2.61

0.13

0.15

Times Interest Earned Ratio

0.00

0.00

0.00

0.00

0.00

Assets Backing Ratio

577.92

426.13

293.94

196.53

136.52

PERFORMANCE RATIO (%)

Operating Profit Margin

2.18

1.99

1.86

1.53

1.61

Net Profit Margin

1.96

1.79

1.69

1.35

1.45

Return On Net Assets

29.18

34.41

36.55

34.65

43.87

Return On Capital Employed

29.18

34.41

36.55

34.65

43.87

Return On Shareholders' Funds/Equity

26.27

31.02

33.14

30.53

39.49

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

0.00

0.46

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

0

0

0

 

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.79

UK Pound

1

Rs.95.42

Euro

1

Rs.69.28

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

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.