MIRA INFORM REPORT

 

 

Report No. :

302065

Report Date :

08.01.2015

 

IDENTIFICATION DETAILS

 

Name :

EBAA HOUSE FOR CERAMIC & MARBLE TRADING COMPANY LTD

 

 

Registered Office :

East Express Highway, Al Nakheel District, P O Box 22028, Jeddah 21495

 

 

Country :

Saudi Arabia

 

 

Financials (as on) :

31.12.2013

 

 

Year of Establishment :

1984

 

 

Com. Reg. No.:

4030160680, Jeddah

 

 

Legal Form :

Limited Liability Partnership

 

 

Line of Business :

Processing and shaping of marble and ceramic stone and the distribution of sanitary ware, tiles and bathroom accessories.

 

 

No. of Employees :

320

 

 

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 :

Good

 

 

Payment Behaviour :

Regular

 

 

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 – September 30, 2014

 

Country Name

Previous Rating

(30.06.2014)

Current Rating

(30.09.2014)

Saudi Arabia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

SAUDI ARABIA - ECONOMIC OVERVIEW

 

Saudi Arabia has an oil-based economy with strong government controls over major economic activities. It possesses about 16% of the world's proven petroleum reserves, ranks as the largest exporter of petroleum, and plays a leading role in OPEC. The petroleum sector accounts for roughly 80% of budget revenues, 45% of GDP, and 90% of export earnings. Saudi Arabia is encouraging the growth of the private sector in order to diversify its economy and to employ more Saudi nationals. Diversification efforts are focusing on power generation, telecommunications, natural gas exploration, and petrochemical sectors. Over 6 million foreign workers play an important role in the Saudi economy, particularly in the oil and service sectors, while Riyadh is struggling to reduce unemployment among its own nationals. Saudi officials are particularly focused on employing its large youth population, which generally lacks the education and technical skills the private sector needs. Riyadh has substantially boosted spending on job training and education, most recently with the opening of the King Abdallah University of Science and Technology - Saudi Arabia's first co-educational university. As part of its effort to attract foreign investment, Saudi Arabia acceded to the WTO in 2005. The government has begun establishing six "economic cities" in different regions of the country to promote foreign investment and plans to spend $373 billion between 2010 and 2014 on social development and infrastructure projects to advance Saudi Arabia's economic development.

 

Source : CIA

 

 

 

 


SUMMARY

 

Company Name                                    : EBAA HOUSE FOR CERAMIC & MARBLE TRADING COMPANY LTD

Also Known As                                     : EBAA HOUSE TRADING

Country of Origin                                   : Saudi Arabia

Legal Form                                           : Limited Liability Partnership

Start Date                                             : 1984

Registration Date                                  : 6th March 2005

Commercial Registration Number           : 4030160680, Jeddah

Chamber Membership Number               : 109237

Issued Capital                                       : SR 1,000,000

Paid up Capital                                     : SR 1,000,000

Total Workforce                                     : 320

Activities                                               : Processing and shaping of marble and ceramic stone and the distribution of sanitary ware, tiles and bathroom accessories.

Financial Condition                                : Fair

Payments                                             : Nothing detrimental uncovered

Operating Trend                                    : Steady

Person Interviewed                                : Manhal Sawi, Administration Manager

 


COMPANY NAME

 

EBAA HOUSE FOR CERAMIC & MARBLE TRADING COMPANY LTD

 

 

ALSO KNOWN AS

 

EBAA HOUSE TRADING

 

 

ADDRESS

 

Registered & Physical Address

 

Street               : East Express Highway

Area                 : Al Nakheel District

 

PO Box            : 22028

 

Town                : Jeddah 21495

Country             : Saudi Arabia

 

Telephone         : (966-12) 6047600 / 2274081 / 6293356 / 6193773 / 6293257 / 6293271 / 6737373

Facsimile          : (966-12) 6194050 / 2274071 / 2240510 / 6293356 / 6293128 / 6701871

Email                : ebaa@ebaahouse.com / fax@ebaahouse.com

 

Premises

 

Subject operates from a medium sized suite of offices that are rented and located in the Suburban Business Area of Jeddah.

 

Branch Office (s)

 

     Location                                                                                           Description

 

·       Palestine Street                                                                                Workshop premises

Jeddah

     Tel: (966-12) 6405046 / 6407602 / 6293271

     Fax: (966-12) 6293128 / 6205552

 

·       Al Kharj Road                                                                                   Office & warehouse

Riyadh

     Tel: (966-11) 4951425 / 4951327 / 2820286

     Fax: (966-11) 4951327

 

·       Dammam                                                                                         Office & warehouse

 

·       Madinah                                                                                           Office & warehouse

 

·       Khamis Mushait                                                                                Office & warehouse

 

 

KEY PRINCIPALS

 

     Name                                                                                               Position

 

·     Dr Essam Al Shawaf                                                                          Managing Partner

 

·     Nabil Abdul Moeen Hakimi                                 Partner

 

·     Hayel Abdul Moeen Hakimi                                                                 Partner

 

·     Manhal Sawi                                                                                      Administration Manager

 

·     Essam Ayoub                                                                                   Commercial Manager

 

·     Ahmed Nabil Salem                                                                           Finance Manager

 

·     Manhal Sawi                                                                                      Administration Manager

 

 

LEGAL FORM & OWNERS

 

Date of Establishment  : Subject’s operations date back to 1984, however it was registered on 6th March 2005

 

Legal Form                  : Limited Liability Partnership

 

Commercial Reg. No.   : 4030160680, Jeddah

 

Chamber Member No.  : 109237

 

Issued Capital              : SR 1,000,000

 

Paid up Capital            : SR 1,000,000

 

Name of Partner (s)

 

·     Dr Essam Al Shawaf

 

·     Nabil Abdul Moeen Hakimi

 

·     Hayel Abdul Moeen Hakimi

 

 

AFFILIATED COMPANIES

 

·       Mawafaq Thamer Al Mulhem & Partner Co

     Express Highway

     PO Box: 22028

     Jeddah 21495

     Tel: (966-12) 6293580 / 6293620

     Fax: (966-12) 6292580 / 6194050

     Email: factory@almulhem.com

 

·       Al Mulhem Elegant Marble Co

Old Al Kharj Road

PO Box: 1832

Riyadh 11392

Tel: (966-11) 4380101 / 4628432

Fax: (966-11) 2820443

Email: almulhem@hotmail.com

 

 

OPERATIONS

 

Activities: Engaged in the processing and shaping of marble and ceramic stone and the distribution of sanitary ware, tiles and bathroom accessories.

 

Import Countries: Italy, Spain, Turkey, United Arab Emirates and China

 

International Suppliers:

 

·       Dado Ceramica Srl               Italy

·       Ceramiche Caesar SpA         Italy

·       ARAN Cucin                         Italy

·       Euro Rama                           Italy

·       Coen Ceramica                     Italy

·       Toprak Sermik                      Turkey

·       Emigres S.L.                                    Spain

·       Inalco Ceramica                    Spain

·       Matteo                                 Spain

·       Vlixi                                     Spain

 

Brand Names: TBA, HANSA, NOBILI, BLUBLUE, GEBETI, LUBE and GEDY

 

Operating Trend: Steady

 

Subject has a workforce of approximately 320 employees.

 

 

FINANCIAL DATA

 

Financial highlights provided by local sources are given below:

 

Currency: Saudi Riyals (SR)

 

                                                Year Ending 31/12/12:               Year Ending 31/12/13:

 

Total Sales                                SR 86,700,000                           SR 88,000,000

 

Local sources consider subject’s financial condition to be Fair.

 

The above financial figures are based on estimations by our local sources.

 

 

BANKERS

 

·       National Commercial Bank

King Abdul Aziz Street

PO Box: 3555

Jeddah 21481

Tel: (966-12) 6446644

 

·       Arab National Bank (ANB)

Madinah Road

PO Box: 9463

Jeddah 21413

Tel: (966-12) 6600272

Fax: (966-12) 6650202

 

 

PAYMENT HISTORY

 

No complaints regarding subject’s payments have been reported.

 

Date of transaction                               August 2007                             July 2008

Credit amount                                       369,355                                     353,570

Amount overdue                                    0                                              0

Payment terms                                      60 days                                    60 days

Payment Method                                   Letters of Credit                        Letters of Credit

Paying record                                       No Complaints                          No Complaints

Currency                                               Canadian Dollars                       Canadian Dollars

 

 


GENERAL COMMENTS

 

Ebaa House Co for Ceramic & Marble Ltd has activities dating back to 1984 and is engaged in the processing and shaping of marble and ceramic stones. It has made steady progress in the local market, operating branches in Jeddah and Riyadh.

 

The business is run in a professional manner and enjoys a good reputation for the quality of its work.

 

The operating history is clear with payment obligations met in a generally timely manner. As such the company is deemed a fair trade risk.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.45

UK Pound

1

Rs.95.99

Euro

1

Rs.75.28

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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.