MIRA INFORM REPORT
|
Report No. : |
303027 |
|
Report Date : |
14.01.2015 |
IDENTIFICATION DETAILS
|
Name : |
ARAV KIDS S.P.A. |
|
|
|
|
Registered Office : |
Localita' Pagliarelle, SN 80030 - San Vitaliano (NA) |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2013 |
|
|
|
|
Date of Incorporation : |
06.11.2008 |
|
|
|
|
Legal Form : |
Joint stock company |
|
|
|
|
Line of Business : |
Retail sale of clothing in specialised stores |
|
|
|
|
No. of Employees : |
From 26 to 35 |
RATING & COMMENTS
|
MIRA’s Rating : |
B |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Status : |
Moderate |
|
Payment Behaviour : |
Slow but correct |
|
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) |
|
Italy |
A2 |
A2 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
ITALY - ECONOMIC OVERVIEW
Italy has a diversified
industrial economy, which is divided into a developed industrial north,
dominated by private companies, and a less-developed, highly subsidized, agricultural
south, where unemployment is higher. The Italian economy is driven in large
part by the manufacture of high-quality consumer goods produced by small and
medium-sized enterprises, many of them family-owned. Italy also has a sizable
underground economy, which by some estimates accounts for as much as 17% of
GDP. These activities are most common within the agriculture, construction, and
service sectors. Italy is the third-largest economy in the euro-zone, but its
exceptionally high public debt and structural impediments to growth have
rendered it vulnerable to scrutiny by financial markets. Public debt has
increased steadily since 2007, topping 133% of GDP in 2013, but investor
concerns about Italy and the broader euro-zone crisis eased in 2013, bringing
down Italy's borrowing costs on sovereign government debt from euro-era. The
government still faces pressure from investors and European partners to sustain
its efforts to address Italy's long-standing structural impediments to growth,
such as labor market inefficiencies and widespread tax evasion. In 2013
economic growth and labor market conditions deteriorated, with growth at -1.8%
and unemployment rising to 12.4%, with youth unemployment around 40%. Italy's
GDP is now 8% below its 2007 pre-crisis level
|
Source
: CIA |
Company
name and address
ARAV KIDS S.P.A.
Localita' Pagliarelle, SN
80030 - San Vitaliano (NA) -IT-
Summary
|
Fiscal Code |
: |
06189741215 |
|
Legal Form |
: |
Joint stock company |
|
Establishment Date |
: |
06/11/2008 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
20.000.000/25.000.000 |
|
Number of Employees |
: |
from 26 to 35 |
Activity
Retail sale of clothing in specialised stores
Legal
Data
Legal Form : Joint stock company
|
Fiscal Code : 06189741215 |
|
Chamber of Commerce no. : 276764 of Caserta |
|
Chamber of Commerce no. : 67467 of Enna |
|
Chamber of Commerce no. : 800723 of Napoli since 19/11/2008 |
|
Chamber of Commerce no. : 1411816 of Roma |
|
V.A.T. Code : 06189741215 |
|
Establishment date |
: 06/11/2008 |
|
|
Legal duration |
: 31/12/2040 |
|
|
Nominal Capital |
: 2.420.000 |
|
|
Subscribed Capital |
: 2.420.000 |
|
|
Paid up Capital |
: 2.420.000 |
Members
|
|
Nagar |
Paolo |
|
|
Born in Napoli |
(NA) |
on 08/07/1967 |
- Fiscal Code : NGRPLA67L08F839Q |
|
|
Residence: |
Dei Martiri |
, 30 |
- 80121 |
Napoli |
(NA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
01/07/2014 |
|
|
Ammaturo |
Giuseppe |
|
|
Born in Palma Campania |
(NA) |
on 15/02/1969 |
- Fiscal Code : MMTGPP69B15G283C |
|
|
Residence: |
Nuova Sarno |
, 558 |
- 80036 |
Palma Campania |
(NA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Board Chairman |
01/07/2014 |
||
|
Director |
01/07/2014 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Iannucci |
Vincenzo |
|
|
Born in Napoli |
(NA) |
on 03/08/1961 |
- Fiscal Code : NNCVCN61M03F839K |
|
|
Residence: |
Maria Bakunin |
, 41 |
- 80125 |
Napoli |
(NA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
01/07/2014 |
|
|
Pricewaterhousecoopers S.p.a. In Breve |
Pwc |
|
|
Residence: |
Monte Rosa |
, 91 |
- 20149 |
Milano |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Auditor |
18/12/2013 |
|
|
Marano Nunziata |
Anna Maria Gaetana |
|
|
Born in San Gennaro Vesuviano |
(NA) |
on 30/08/1972 |
- Fiscal Code : MRNNMR72M70H860Z |
|
|
Residence: |
Nuova Sarno |
, 558 |
- 80036 |
Palma Campania |
(NA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
01/07/2014 |
||
|
Managing Director |
01/07/2014 |
|
|
Prejudicial Events found with cancellations* |
Legal Mortgage - 23/02/2006. -
10.667 Euro. Event writing-off
|
|
EQUITALIA POLIS S. P. A. |
|
|
No Protests registered |
|
|
Oliva |
Pietro |
|
|
Born in Scafati |
(SA) |
on 13/09/1963 |
- Fiscal Code : LVOPTR63P13I483N |
|
|
Residence: |
Rivolta |
, 25 |
- 80040 |
Striano |
(NA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
01/07/2014 |
|
|
Mg S.p.a. |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
*Concerns also partially erased events.
Companies
connected to members *
*checkings have been performed on a national scale.
In this module are listed the companies in which members hold or have
holded positions.
|
|
Ammaturo |
Giuseppe |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
G.a.d.a. L'abbigliamento Per I Bambini Di Ammaturo Giuseppe E C.
S.a.s. |
Palma Campania (NA) - IT - |
05768940636 |
General Partner |
Withdrawn |
Registered |
|
Mg S.r.l. |
San Vitaliano (NA) - IT - |
03627721214 |
Sole Director |
Active |
Registered |
|
Megi S.r.l. |
Nola (NA) - IT - |
06970791213 |
Director |
Active |
Registered |
|
Megi S.r.l. |
Nola (NA) - IT - |
06970791213 |
Board Chairman |
Active |
Registered |
|
Arav Fashion S.p.a. |
San Vitaliano (NA) - IT - |
07433471211 |
Director |
Active |
Registered |
|
Arav Fashion S.p.a. |
San Vitaliano (NA) - IT - |
07433471211 |
Board Chairman |
Active |
Registered |
|
Rovi S.r.l. |
Napoli (NA) - IT - |
06970691215 |
Sole Director |
Active |
Registered |
|
|
Marano Nunziata |
Anna Maria Gaetana |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Conf.amm. S.a.s. Di Marano Nunziata AnnaMaria Gaetana |
Palma Campania (NA) - IT - |
03372921217 |
General Partner |
Withdrawn |
Ceased |
|
Arav Holding S.r.l. A Socio Unico |
Palma Campania (NA) - IT - |
02626781211 |
Sole Director |
Withdrawn |
Registered |
|
Arav Holding S.r.l. A Socio Unico |
Palma Campania (NA) - IT - |
02626781211 |
General Partner |
Withdrawn |
Registered |
|
Arav Holding S.r.l. A Socio Unico |
Palma Campania (NA) - IT - |
02626781211 |
Sole partner |
Withdrawn |
Registered |
|
Arav Trade S.r.l. A Socio Unico In Liquidazione |
Nola (NA) - IT - |
04247561212 |
Sole partner |
Withdrawn |
In liquidation |
|
Mg S.r.l. |
San Vitaliano (NA) - IT - |
03627721214 |
Sole Director |
Withdrawn |
Registered |
|
Mg S.r.l. |
San Vitaliano (NA) - IT - |
03627721214 |
Sole partner |
Withdrawn |
Registered |
|
Sh Group S.r.l. |
Napoli (NA) - IT - |
06721101217 |
Director |
Withdrawn |
Registered |
|
Megi S.r.l. |
Nola (NA) - IT - |
06970791213 |
Managing Director |
Active |
Registered |
|
Megi S.r.l. |
Nola (NA) - IT - |
06970791213 |
Director |
Active |
Registered |
|
Arav Fashion S.p.a. |
San Vitaliano (NA) - IT - |
07433471211 |
Managing Director |
Active |
Registered |
|
Arav Fashion S.p.a. |
San Vitaliano (NA) - IT - |
07433471211 |
Director |
Active |
Registered |
The indication "REGISTERED" as Firm Status could refer to
Firms in Liquidation, Active, Inactive, etc.
For more information, in this case, we advise to request further
investigations.
Capital
Shareholders
Shareholders' list as at date of data collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Oliva Pietro |
Striano - IT - |
LVOPTR63P13I483N |
48.000 .Eur |
1,98 |
|
Mg S.p.a. |
03627721214 |
2.372.000 .Eur |
98,01 |
Direct
Participations
The Company under review has no participations in other Companies.
Firm's
location and structure
In order to carry out its activities the firm uses the following
locations:
|
- |
Legal and operative seat |
|
Pagliarelle |
, SN |
- 80030 |
- San Vitaliano |
(NA) |
- IT - |
|
Total Surface: 100 Sq.mt. |
|
- |
Branch |
since 01/01/2009 |
until 21/02/2011 |
|
Cis Di Nola |
- 80035 |
- Nola |
(NA) |
- IT - |
|
- |
Branch |
(Shop) |
since 30/07/2012 |
|
Provinciale Per Nola |
, SNC |
- 80030 |
- San Vitaliano |
(NA) |
- IT - |
|
- |
Branch |
(Shop) |
since 01/10/2012 |
|
Provinciale 336 |
, SNC |
- 81025 |
- Marcianise |
(CE) |
- IT - |
|
Total Surface: 132 Sq.mt. |
|
- |
Branch |
(Shop) |
since 23/04/2013 |
|
Mandre Bianche |
, SNC |
- 94011 |
- Agira |
(EN) |
- IT - |
|
Total Surface: 61 Sq.mt. |
|
- |
Branch |
(Shop) |
since 11/06/2014 |
|
Del Ponte Di Piscina Cupa |
, 64 |
- 00100 |
- Roma |
(RM) |
- IT - |
|
Total Surface: 132 Sq.mt. |
|
Employees |
: 33 |
|
Fittings and Equipment for a value of 25.000 |
Eur |
|
Stocks for a value of 11.260.000 |
Eur |
Historical
Information and/or Firm's Status
CHANGES TO THE LEGAL FORM:
|
Former legal form |
New legal form |
Changement Date |
|
Limited liability company |
Joint stock company |
21/02/2011 |
EX-MEMBERS / EX-POSITIONS:
|
|
Garrone |
Marco |
|
|
Born in Milano |
(MI) |
on 03/02/1963 |
- Fiscal Code : GRRMRC63B03F205G |
|
|
Residence: |
F.lli Ruffini |
, 10 |
- 20123 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Ammaturo |
Giuseppe |
|
|
Born in Palma Campania |
(NA) |
on 15/02/1969 |
- Fiscal Code : MMTGPP69B15G283C |
|
|
Residence: |
Nuova Sarno |
, 558 |
- 80036 |
Palma Campania |
(NA) |
- IT - |
|
Ex-Postions |
|
Sole Director |
|
|
Busnach |
Piero Alberto |
|
|
Born in Alessandria D'egitto |
( ) |
on 09/08/1954 |
- Fiscal Code : BSNPLB54M09Z336I |
|
|
Residence: |
Aristide De Togni |
, 10 |
- 20123 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Bontempelli |
Mauro Dario Riccardo |
|
|
Born in Milano |
(MI) |
on 22/02/1954 |
- Fiscal Code : BNTMDR54B22F205G |
|
|
Residence: |
Ruffini Fratelli |
, 10 |
- 20123 |
Milano |
(MI) |
- IT - |
|
Ex-Postions |
|
Chairman of the Board of Aud. |
|
|
Santoro |
Paolo |
|
|
Born in Roma |
(RM) |
on 18/02/1968 |
- Fiscal Code : SNTPLA68B18H501R |
|
|
Residence: |
S.s. 80 Colleranesco |
, SN |
- 64021 |
Giulianova |
(TE) |
- IT - |
|
Ex-Postions |
|
Assistant board Chairman |
|
|
Marano Nunziata |
Anna Maria Gaetana |
|
|
Born in San Gennaro Vesuviano |
(NA) |
on 30/08/1972 |
- Fiscal Code : MRNNMR72M70H860Z |
|
|
Residence: |
Nuova Sarno |
, 558 |
- 80036 |
Palma Campania |
(NA) |
- IT - |
|
Ex-Postions |
|
Managing Director |
|
|
Maresca |
Maurizio |
|
|
Born in Positano |
(SA) |
on 16/08/1946 |
- Fiscal Code : MRSMRZ46M16G932U |
|
|
Residence: |
Caracciolo |
, 71 |
- 80062 |
Meta |
(NA) |
- IT - |
|
Ex-Postions |
|
Assistant board Chairman |
|
Director |
|
|
Giove |
Giuseppe |
|
|
Born in Gioia del Colle |
(BA) |
on 31/12/1974 |
- Fiscal Code : GVIGPP74T31E038O |
|
|
Residence: |
G. DI VITTORIO |
, 29 |
- 70023 |
Gioia del Colle |
(BA) |
- IT - |
|
Ex-Postions |
|
Temporary Auditor |
|
|
Mg S.r.l. |
|
- Fiscal Code : 03627721214 |
|
|
Residence: |
Pagliarelle |
, SN |
- 80030 |
San Vitaliano |
(NA) |
- IT - |
|
Ex-Postions |
|
Partner |
|
|
Stea |
Patrizio |
|
|
Born in Bari |
(BA) |
on 22/05/1974 |
- Fiscal Code : STEPRZ74E22A662V |
|
Ex-Postions |
|
Permanent Auditor |
|
|
Mg S.p.a. |
|
- Fiscal Code : 03627721214 |
|
Ex-Postions |
|
Partner |
CEASINGS/INCORPORATIONS/MERGES:
|
|
Project of merging into |
|
|
|
|
Localita' Pagliarelle |
, SN |
, 80030 |
, San Vitaliano |
(NA) |
- IT - |
|
|
Fiscal Code: 07433471211 |
|
|
Date |
Merging/splitting-up project: |
03/04/2014 |
Protests
Protests checking on the subject firm has given a negative result.
Data Base Prejudicial Events Search
Search performed on a National Scale
|
|
Prejudicial Events Search Result: NEGATIVE |
Search performed on a specialized data base.
Legal
Procedures
None reported, standing to the latest received edition of the Official Publications.
Financial
and Economical Analysis
Company's starting of activities dates back to 2008.
Balance sheets for the years 2011, 2012 and 2013 were analyzed.
In the economic management , good and bad results followed on by turns.
yet with a positive result in the 2013 (r.o.e. 12,19%).
The return on Investment in the last financial year was positive (3,12%)
and in line with the sector's average.
The amount of the operating result is equal to Eur. 723.562 increasing
if compared to the yeart 2012.
The economic management produced a gross operating margin of Eur.
1.796.702 showing a more then 100% growth.
The ratio between shareholder's equity and borrowed capital is not well
balanced, the indebtedness level is equal to 5,74 which is decreasing.
The management generated equity capital for an amount of Eur. 3.089.696
, increasing by 100,54% if compared to the year before.
During the last financial year debts totalled Eur. 19.840.141 (Eur.
282.533 of which were m/l term debts) , rising as opposed to the previous year
(+23,65%).
Companys' indebtedness is fairly high in relation to its net worth;
payments average period is slow however still within the sector's average.
Liquid assets are good.
Due from customers average term is high and equal to 128,54 days. even
higher than the average of the specific sector.
2013 financial year closed with a cash flow of Eur. 1.449.830
In the last financial year labour cost was of Eur. 876.403, with a 3,62%
incidence on total costs of production. and a 3,54% incidence on sales volumes.
Financial
Data
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
24.766.342 |
|
Profit (Loss) for the period |
376.690 |
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
26.120.239 |
|
Profit (Loss) for the period |
-1.174.866 |
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
23.102.466 |
|
Profit (Loss) for the period |
216.549 |
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
14.378.540 |
|
Profit (Loss) for the period |
101.303 |
Balance
Sheets
From our constant monitoring of the relevant Public Administration
offices, no more recent balance sheets result to have been filed.
|
- Balance Sheet as at 31/12/2013 - 12 Mesi - Currency: - Amounts x 1 |
|
- Balance Sheet as at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1 |
|
- Balance Sheet as at 31/12/2011 - 12 Mesi - Currency: - Amounts x 1 |
|
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|
|
RATIOS |
Value Type |
as at 31/12/2013 |
as at 31/12/2012 |
as at 31/12/2011 |
Sector Average |
|
COMPOSITION ON INVESTMENT |
|||||
|
Rigidity Ratio |
Units |
0,02 |
0,03 |
0,03 |
0,13 |
|
Elasticity Ratio |
Units |
0,98 |
0,97 |
0,95 |
0,85 |
|
Availability of stock |
Units |
0,49 |
0,33 |
0,41 |
0,54 |
|
Total Liquidity Ratio |
Units |
0,49 |
0,64 |
0,55 |
0,22 |
|
Quick Ratio |
Units |
0,08 |
0,15 |
0,08 |
0,04 |
|
COMPOSITION ON SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
5,74 |
8,21 |
4,48 |
4,36 |
|
Self Financing Ratio |
Units |
0,13 |
0,09 |
0,16 |
0,14 |
|
Capital protection Ratio |
Units |
0,09 |
0,19 |
0,40 |
0,56 |
|
Liabilities consolidation quotient |
Units |
0,02 |
0,04 |
0,00 |
0,15 |
|
Financing |
Units |
6,42 |
10,41 |
4,96 |
5,86 |
|
Permanent Indebtedness Ratio |
Units |
0,15 |
0,12 |
0,17 |
0,31 |
|
M/L term Debts Ratio |
Units |
0,01 |
0,04 |
0,00 |
0,10 |
|
Net Financial Indebtedness Ratio |
Units |
1,00 |
0,56 |
0,84 |
0,98 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
6,74 |
4,27 |
4,97 |
2,02 |
|
Current ratio |
Units |
1,16 |
1,13 |
1,17 |
1,15 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,58 |
0,75 |
0,67 |
0,36 |
|
Structure's primary quotient |
Units |
6,10 |
2,96 |
4,93 |
1,06 |
|
Treasury's primary quotient |
Units |
0,09 |
0,18 |
0,10 |
0,07 |
|
Rate of indebtedness ( Leverage ) |
% |
750,49 |
1165,78 |
608,92 |
707,22 |
|
Current Capital ( net ) |
Value |
3.064.389 |
2.008.432 |
2.272.691 |
61.776 |
|
RETURN |
|||||
|
Return on Sales |
% |
5,85 |
-2,66 |
1,86 |
2,62 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
12,19 |
-76,26 |
7,97 |
6,19 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
23,84 |
-75,58 |
19,47 |
15,72 |
|
Return on Investment ( R.O.I. ) |
% |
3,12 |
-4,33 |
5,27 |
3,25 |
|
Return/ Sales |
% |
2,92 |
-2,97 |
3,77 |
2,94 |
|
Extra Management revenues/charges incid. |
% |
52,06 |
n.c. |
24,84 |
31,16 |
|
Cash Flow |
Value |
1.449.830 |
-694.683 |
429.328 |
20.178 |
|
Operating Profit |
Value |
723.562 |
-776.922 |
871.668 |
23.558 |
|
Gross Operating Margin |
Value |
1.796.702 |
-151.228 |
1.265.099 |
40.605 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
128,54 |
114,94 |
117,26 |
26,46 |
|
Debts to suppliers average term |
Days |
174,20 |
133,43 |
102,06 |
152,76 |
|
Average stock waiting period |
Days |
163,63 |
80,67 |
104,74 |
158,60 |
|
Rate of capital employed return ( Turnover ) |
Units |
1,07 |
1,45 |
1,40 |
1,10 |
|
Rate of stock return |
Units |
2,20 |
4,46 |
3,44 |
2,21 |
|
Labour cost incidence |
% |
3,54 |
1,94 |
2,16 |
10,29 |
|
Net financial revenues/ charges incidence |
% |
0,00 |
-1,18 |
-1,26 |
-1,31 |
|
Labour cost on purchasing expenses |
% |
3,62 |
1,87 |
2,22 |
10,25 |
|
Short-term financing charges |
% |
0,00 |
1,95 |
2,17 |
2,10 |
|
Capital on hand |
% |
93,63 |
68,76 |
71,57 |
90,76 |
|
Sales pro employee |
Value |
917.271 |
1.088.343 |
1.540.164 |
267.102 |
|
Labour cost pro employee |
Value |
32.459 |
21.094 |
33.298 |
30.754 |
Remarks
1) Protests checking (relative to the last five years) performed by
crossing and matching the members names and the Firm's Style with the reported
addresses, is supplied by the Informatic Registry managed by the Italian
Chamber of Commerce. If the fiscal code is not indicated, the eventual
homonymous cases are submitted to expert staff evaluation in order to limit
wrong matching risks.
2) The Legal Data, supplied and retrived from the Firm's Registry of the
Italian Chamber of Commerce, are in line with the last registered
modifications.
3) Risk evaluation and Credit Opinion have been performed on the base of
the actual data at the moment of their availability.
Market
/ Territory Data
|
Population living in the province |
: |
|
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
Monthly family expences average in the region (in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Sector
Data
The values are calculated on a base of 2.211 significant companies.
The companies cash their credits on an average of 26 dd.
The average duration of suppliers debts is about 153 dd.
The sector's profitability is on an average of 2,62%.
The labour cost affects the turnover in the measure of 10,29%.
Goods are held in stock in a range of 159 dd.
The difference between the sales volume and the resources used to
realize it is about 1,10.
The employees costs represent the 10,25% of the production costs.
Statistical
Detrimental Data
Statistically the trade activity passes through serious crises.
The area is statistically considered remarkably risky.
In the region 80.616 protested subjects are found; in the province they
count to 41.815.
The insolvency index for the region is 1,40, , while for the province it
is 1,36.
Total Bankrupt companies in the province : 18.217.
Total Bankrupt companies in the region : 28.514.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.62.10 |
|
|
1 |
Rs.94.10 |
|
Euro |
1 |
Rs.73.42 |
INFORMATION DETAILS
|
Analysis Done by
: |
KAR |
|
|
|
|
Report Prepared
by : |
NIS |
RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest
capability for timely payment of interest and principal sums |
Unlimited |
|
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit transaction.
It has above average (strong) capability for payment of interest and
principal sums |
Large |
|
|
56-70 |
A |
Financial & operational base are regarded healthy. General unfavourable
factors will not cause fatal effect. Satisfactory capability for payment of
interest and principal sums |
Fairly Large |
|
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
|
26-40 |
B |
Capability to
overcome financial difficulties seems comparatively below average. |
Small |
|
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
|
-- |
NB |
New Business |
-- |
|
This score serves as a reference to assess SC’s
credit risk and to set the amount of credit to be extended. It is calculated
from a composite of weighted scores obtained from each of the major sections of
this report. The assessed factors and their relative weights (as indicated
through %) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend (10%) Operational size
(10%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.