|
Report No. : |
304542 |
|
Report Date : |
27.01.2015 |
IDENTIFICATION DETAILS
|
Name : |
BULK HARDWARE LIMITED |
|
|
|
|
Formerly Known as : |
FIXA-PAC LIMITED |
|
|
|
|
Registered Office : |
One New Street, Wells, Somerset, Ba5 2la |
|
|
|
|
Country : |
United Kingdom |
|
|
|
|
Financials (as on) : |
31.12.2013 |
|
|
|
|
Date of Incorporation : |
19.07.1974 |
|
|
|
|
Com. Reg. No.: |
01177960 |
|
|
|
|
Legal Form : |
Private Limited With Share
Capital |
|
|
|
|
Line of Business : |
· Engaged in Packaging and selling of Hardware Products · Engaged as trader of Bulk Packed and Pre-Packed Hardware, Ironmongery as well as DIY and Housewares Products. |
|
|
|
|
No of Employees : |
53 (31.12.2013) |
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 : |
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) |
|
United Kingdom |
a1 |
a1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
United Kingdom ECONOMIC OVERVIEW
The UK, a leading trading power and financial center,
is the third largest economy in Europe after Germany and France. Over the past two
decades, the government has greatly reduced public ownership. Agriculture is
intensive, highly mechanized, and efficient by European standards, producing
about 60% of food needs with less than 2% of the labor force. The UK has large
coal, natural gas, and oil resources, but its oil and natural gas reserves are
declining and the UK became a net importer of energy in 2005. Services,
particularly banking, insurance, and business services, are key drivers of
British GDP growth. Manufacturing, meanwhile, has declined in importance but
still accounts for about 10% of economic output. After emerging from recession
in 1992, Britain's economy enjoyed the longest period of expansion on record
during which time growth outpaced most of Western Europe. In 2008, however, the
global financial crisis hit the economy particularly hard, due to the
importance of its financial sector. Falling home prices, high consumer debt,
and the global economic slowdown compounded Britain's economic problems,
pushing the economy into recession in the latter half of 2008 and prompting the
then BROWN (Labour) government to implement a number of measures to stimulate
the economy and stabilize the financial markets; these included nationalizing
parts of the banking system, temporarily cutting taxes, suspending public
sector borrowing rules, and moving forward public spending on capital projects.
Facing burgeoning public deficits and debt levels, in 2010 the CAMERON-led
coalition government (between Conservatives and Liberal Democrats) initiated a
five-year austerity program, which aimed to lower London's budget deficit from
about 11% of GDP in 2010 to nearly 1% by 2015. In November 2011, Chancellor of
the Exchequer George OSBORNE announced additional austerity measures through
2017 largely due to the euro-zone debt crisis. The CAMERON government raised
the value added tax from 17.5% to 20% in 2011. It has pledged to reduce the
corporation tax rate to 21% by 2014. The Bank of England (BoE) implemented an
asset purchase program of £375 billion (approximately $605 billion) as of
December 2013. During times of economic crisis, the BoE coordinates interest
rate moves with the European Central Bank, but Britain remains outside the
European Economic and Monetary Union (EMU). In 2012, weak consumer spending and
subdued business investment weighed on the economy, however, in 2013 GDP grew
1.4%, accelerating unexpectedly in the second half of the year because of
greater consumer spending and a recovering housing market. The budget deficit
is falling but remains high at nearly 7% and public debt has continued to
increase.
|
Source : CIA |
|
BULK HARDWARE LIMITED |
Telephone |
|
|
ONE NEW STREET |
Fax |
- |
|
WELLS |
Website |
|
|
SOMERSET |
|
|
|
BA5 2LA |
|
|
|
United Kingdom |
|
|
|
Company Number: |
01177960 |
Status: |
Active - Accounts Filed |
|
Foundation: |
19/07/1974 |
|
|
This company's ratio of total liabilities to total assets indicates the presence of strong equity funding. The company has more cash than short term bank borrowings. This company trades in an industry with a lower level of corporate failures. This company has been treated as a Medium company in respect of the rating/limit generated. This company's return on total assets employed ratio indicates a relatively efficient use of assets. This company has made late payments on a medium percentage of invoices.
Private Limited With Share Capital
19/07/1974
01177960
|
Date of Change |
Previous Name |
|
31/12/1980 |
FIXA-PAC LIMITED |
|
Name |
Currency |
Number of shares |
Share type |
Nominal value |
|
GARETH REES |
GBP |
100 |
ORDINARY B |
1 |
|
JANICE REES |
GBP |
390 |
ORDINARY A |
1 |
|
WYNFORD REES |
GBP |
510 |
ORDINARY A |
1 |
|
Total Share Capital |
GBP
1,000 |
|||
|
Directors |
||||
|
Name |
Address: |
Date of birth |
Nationality |
Appointment date |
|
Ms
Janice Elizabeth Rees |
Bulk Hardware Ltd Parsonage Way, Chippenham, Wiltshire SN15 5PN |
15/01/1949 |
British |
08/11/1991 |
|
Mr Wynford Rees |
Bulk Hardware Ltd Parsonage Way, Chippenham, Wiltshire SN15 5PN |
13/01/1948 |
British |
08/11/1991 |
|
Mr Gareth Rees |
Bulk Hardware Ltd Parsonage Way, Chippenham, Wiltshire SN15 5PN |
12/03/1969 |
British |
11/04/2007 |
|
Company
Secretary |
||
|
Name |
Address: |
Appointment
date |
|
Ms Janice Elizabeth Rees |
10 Sion Hill, Lansdown, Bath BA1 2UH |
08/11/1991 |
· One New Street, Wells, Somerset BA5 2LA
· Parsonage Way, Chippenham, Wiltshire SN15 5PN
Main activity
Principal Activity
· Engaged in Packaging and selling of Hardware Products
· Engaged as trader of Bulk Packed and Pre-Packed Hardware, Ironmongery as well as DIY and Housewares Products.
Turnover and
Employees
|
Date of Accounts |
Turnover |
Employees |
|
31/12/2011 |
GBP 4,349,216 |
54 |
|
31/12/2012 |
GBP 4,331,288 |
49 |
|
31/12/2013 |
GBP 4,278,569 |
53 |
Auditor name
WEBB & CO LTD
|
Company history |
|
|
Date |
Action |
|
09/10/2010 |
New Accounts Filed |
|
09/10/2010 |
New Accounts Filed |
|
03/12/2010 |
Annual Returns |
|
03/10/2011 |
New Accounts Filed |
|
03/10/2011 |
New Accounts Filed |
|
14/11/2011 |
Annual Returns |
|
18/09/2012 |
New Accounts Filed |
|
18/09/2012 |
New Accounts Filed |
|
13/11/2012 |
Annual Returns |
|
30/09/2013 |
New Accounts Filed |
|
18/11/2013 |
Annual Returns |
|
11/06/2014 |
New Accounts Filed |
|
29/11/2014 |
Annual Returns |
|
Charge created |
04/12/1981 |
|
Charge registered |
18/12/1981 |
|
Status |
SATISFIED |
|
Entitled person |
BARCLAYS BANK PLC |
|
Secured amount |
ALL MONIES DUE OR TO BECOME DUE FROM THE COMPANY AND/OR ALL OR ANY OF THE OTHERCOMPANIES NAMED THEREIN TO THE CHARGEE ON ANY ACCOUNT WHATSOEVER. |
|
Mortgage detail |
FIXED AND FLOATING CHARGES UNDERTAKING AND ALL PROPERTY AND ASSETS PRESENT AND FUTURE INCLUDING GOODWILL BOOKDEBTS AND UNCALLED CAPITAL WITH ALL BUILDINGS FIXTURES(INCL. TRADE FIXTURES) FIXED PLANT AND MACHINERY. |
|
Charge created |
23/12/1981 |
|
Charge registered |
19/01/1982 |
|
Status |
SATISFIED |
|
Entitled person |
BARCLAYS MERCHANT BANK LTD |
|
Secured amount |
ALL MONIES DUE OR TO BECOME DUE FROM THE COMPANY AND/OR ALL OR ANY OF THE OTHERCOMPANIES NAMED THEREIN. |
|
Mortgage detail |
FIXED AND FLOATING CHARGES UNDERTAKING AND ALL PROPERTY AND ASSETS PRESENT AND FUTURE INCLUDING GOODWILL BOOK DEBTS AND UNCALLED CAPITAL WITH ALL BUILDINGS, FIXTURES (INCL. TRADE FIXTURES) FIXED PLANT AND MACHINERY. |
Charge created 04/01/1982
Charge registered 19/01/1982
Status SATISFIED
Entitled person BARCLAYS
MERCHANT BANK LTD
Secured amount ALL MONIES DUE
OR TO BECOME DUE FROM THE COMPANY AND/OR ALL OR
ANY OF THE OTHERCOMPANIES NAMED THEREIN.
Mortgage detail FIXED AND FLOATING CHARGES UNDERTAKING AND ALL PROPERTY AND
ASSETS
PRESENT AND FUTURE INCLUDING GOODWILL BOOK DEBTS AND UNCALLED CAPITAL WITH ALL
BUILDINGS, FIXTURES (INCL. TRADE FIXTURES)
FIXED PLANT AND MACHINERY.
Charge created 05/04/1983
Charge registered 15/04/1983
Status SATISFIED
Entitled person ALEX LAWRIE
RECEIVABLES FINANCING LIMITED
Secured amount ALL MONIES DUE
OR TO BECOME DUE FROM THE COMPANY TO THE CHARGEE
UNDER THE TERMS OF AN AGREEMENT DATED 5.4.83
Mortgage detail FIRST FIXED CHARGE ON ALL BOOK AND OTHER DEBTS AS ARE NOT SOLD TO
AND BOUGHT BY ALEX LAWRIE RECEIVABLES FINANCING LIMITED.
Charge created 27/07/1983
Charge registered 10/08/1983
Status SATISFIED
Entitled person LONDON AND
LIVERPOOL TRUST PLC
Secured amount UKP,200,000 AND
ALL OTHER MONIES DUE OR TO BECOME DUE FROM THE
COMPANY TO THE CHARGEE UNDER THE TERMS OF AN AGREEMENT DATED 27.7.83
Mortgage detail FIXED CHARGE OVER THE COMPANY §F/H PROPERTY K/A AND SITUATE AT
PARSONAGE
WAY INDUSTRIAL ESTATE, CHIPPENHAM WILTSHIRE TOG. WITH ALL FIXTURES (INC. TRADE
FIXTURES) FIXED PLANT AND MACHINERY. FIXED AND FLOATING CHARGES OVER THE
UNDERTAKING AND ALL PROPERTY AND ASSETS PRESENT AND FUTURE INCLUDING GOODWILL
BOOKDEBTS UNCALLED
CAPITAL BUILDINGS FIXTURES FIXED PLANT AND MACHINERY
Charge created 09/09/1983
Charge registered 19/09/1983
Status SATISFIED
Entitled person BARCLAYS BANK
PLC
Secured amount ALL MONIES DUE
OR TO BECOME DUE FROM THE COMPANY TO THE CHARGEE
ON ANY ACCOUNT WHATSOEVER
Mortgage detail FIXED AND FLOATING CHARGES OVER THE UNDERTAKING AND
ALL
PROPERTY AND ASSETS PRESENT AND FUTURE INCLUDING GOODWILL
BOOKDEBTS UNCALLED CAPITAL BUILDINGS FIXTURES FIXED PLANT AND MACHINERY
Charge created 30/12/1983
Charge registered 09/01/1984
Status SATISFIED
Entitled person COMMERCIAL
CREDIT SERVICES LIMITED
Secured amount ALL MONIES DUE
OR TO BECOME DUE FROM THE COMPANY TO THE CHARGEE
ON ANY ACCOUNT WHATSOEVER
Mortgage detail PIECE/PARCEL OF F/H LAND SITUATE ON THEPARSONAGE WAY/FORMERLY
(OCKLEBURY) INDUSTRIAL ESTATE, CHIPPENHAM WILTSHIRE CONTAINING IN
AREA APPROX. 0.77 ACRES DESCRIBED IN A CONVEYANCE ON SALE DATED
4/12/81
TOG. WITH ALL BLDGS. ERECTED THEREON ANDBENEFIT OF THE
RIGHTS AND OTHER MATTERS REFERRED TO IN THE SAID CONVEYANCE
Charge created 29/01/1998
Charge registered 04/02/1998
Status SATISFIED
Entitled person MIDLAND BANK
PLC
Secured amount ALL MONIES DUE
OR TO BECOME DUE FROM THE COMPANY TO THE CHARGEE
ON ANY ACCOUNT WHATSOEVER
Mortgage detail . FIXED AND FLOATING CHARGES OVER THE UNDERTAKING AND ALL PROPERTY
AND ASSETS PRESENT AND FUTURE INCLUDING GOODWILL BOOKDEBTS
UNCALLED
CAPITAL BUILDINGS FIXTURES FIXED PLANT AND MACHINERY SEE
THE MORTGAGE CHARGE DOCUMENT FOR FULL DETAILS
Charge created 07/08/2000
Charge registered 10/08/2000
Status OUTSTANDING
Entitled person LLOYDS TSB
BANK PLC
Secured amount ALL MONIES DUE
OR TO BECOME DUE FROM THE COMPANY TO THE CHARGEE
ON ANY ACCOUNT WHATSOEVER
Mortgage detail F/H PROPERTY K/A LAND AND BUILDINGS ON YTHE SOUTH EAST SIDE OF
PARSONAGE WAY CHIPPENHAM WT130519 TOGETHER WITH ALL BUILDINGS AND FIXTURES (INCLUDING TRADE FIXTURES) FIXED PLANT AND MACHINERY BY WAY OF FIXED CHARGE ALL PRESENT AND FUTURE BOOK AND OTHER DEBTS FLOATING CHARGE OVER ALL MOVEABLE PLANT MACHINERY IMPLEMENTS UTENSILS FURNITURE AND EQUIPMENT BY WAY OF ASSIGNMENT THE GOODWILL OF THE BUSINESS (IF ANY) THE FULL BENEFIT OF ALL LICENCES AND ALL GUARANTEES
Charge created 05/09/2000
Charge registered 08/09/2000
Status OUTSTANDING
Entitled person LLOYDS TSB BANK PLC
Secured amount ALL MONIES DUE OR TO
BECOME DUE FROM THE COMPANY TO THE
CHARGEE ON ANY
ACCOUNT WHATSOEVER
Mortgage detail FIXED AND
FLOATING CHARGES OVER THE UNDERTAKING AND ALL
PROPERTY AND ASSETS PRESENT AND
FUTURE INCLUDING GOODWILL BOOKDEBTS UNCALLED CAPITAL BUILDINGS FIXTURESFIXED
PLANT AND MACHINERY SEE THE MORTGAGE CHARGE DOCUMENT FOR FULL DETAILS
Charge created 11/03/2013
Charge registered 14/03/2013
Status OUTSTANDING
Entitled person WYNFORD REES AND JANICE
REES
Secured amount ALL MONIES DUE OR TO
BECOME DUE FROM THE COMPANY TO THE
CHARGEE ON ANY
ACCOUNT WHATSOEVER\
Mortgage detail FIXED AND
FLOATING CHARGE OVER THE UNDERTAKING AND ALL
PROPERTY AND ASSETS PRESENT AND
FUTURE, INCLUDING GOODWILL, BOOKDEBTS, UNCALLED CAPITAL, FIXED PLANT AND
MACHINERY
(CCJs)
There are no County Court
Judgments listed against this company
Profit & Loss
|
|
31/12/2013 52 GBP Group: No |
31/12/2012 52 GBP Group: No |
31/12/2011 52 GBP Group: No |
31/12/2010 52 GBP Group: No |
|
Turnover |
4,278,569 |
4,331,288 |
4,349,216 |
4,360,259 |
|
Export |
- |
- |
- |
- |
|
Cost of Sales |
2,973,083 |
2,840,644 |
2,728,761 |
2,754,223 |
|
Gross Profit |
1,305,486 |
1,490,644 |
1,620,455 |
1,606,036 |
|
Wages And Salaries |
897,966 |
837,797 |
841,496 |
901,697 |
|
Directors Emoluments |
435,543 |
67,796 |
68,590 |
66,516 |
|
Operating Profit |
184,433 |
826,529 |
854,862 |
865,510 |
|
Depreciation |
62,890 |
67,378 |
70,047 |
61,461 |
|
Audit Fees |
13,550 |
12,500 |
12,500 |
12,250 |
|
Interests Payments |
43,436 |
18,582 |
17,656 |
23,833 |
|
Pre Tax Profit |
138,188 |
809,828 |
839,949 |
841,677 |
|
Taxation |
-30,426 |
-195,821 |
-219,557 |
-226,852 |
|
Profit After Tax |
107,762 |
614,007 |
620,392 |
614,825 |
|
Dividends Payable |
366,200 |
516,000 |
249,996 |
414,106 |
|
Retained Profit |
-258,438 |
98,007 |
370,396 |
200,719 |
Balance Sheet
|
|
31/12/2013 52 GBP Group: No |
31/12/2012 52 GBP Group: No |
31/12/2011 52 GBP Group: No |
31/12/2010 52 GBP Group: No |
|
Tangible Assets |
688,133 |
729,891 |
750,506 |
745,950 |
|
Intangible Assets |
0 |
0 |
2,439 |
6,980 |
|
Total Fixed Assets |
688,133 |
729,891 |
752,945 |
752,930 |
|
Stock |
2,136,264 |
2,226,758 |
2,399,063 |
2,515,793 |
|
Trade Debtors |
452,897 |
549,393 |
514,798 |
555,514 |
|
Cash |
481,504 |
246,493 |
300 |
300 |
|
Other Debtors |
91,583 |
59,983 |
174,262 |
94,588 |
|
Miscellaneous Current Assets |
0 |
0 |
0 |
0 |
|
Total Current Assets |
3,162,248 |
3,082,627 |
3,088,423 |
3,166,195 |
|
Trade Creditors |
130,146 |
101,993 |
105,700 |
138,675 |
|
Bank Loans and Overdraft |
0 |
0 |
143,123 |
532,785 |
|
Other Short Term Finance |
499,029 |
83,318 |
85,919 |
102,073 |
|
Miscellaneous Current Liabilities |
242,464 |
385,044 |
359,301 |
377,598 |
|
Total Current Liabilities |
871,639 |
570,355 |
694,043 |
1,151,131 |
|
Bank Loans and Overdrafts LTL |
13,806 |
18,789 |
165,081 |
545,808 |
|
Other Long Term Finance |
0 |
0 |
0 |
0 |
|
Total Long Term Liabilities |
13,806 |
18,789 |
21,958 |
13,023 |
Capital &
Reserves
|
|
31/12/2013 52 GBP Group: No |
31/12/2012 52 GBP Group: No |
31/12/2011 52 GBP Group: No |
31/12/2010 52 GBP Group: No |
|
Called Up Share Capital |
1,000 |
1,000 |
1,000 |
1,000 |
|
P and L Account Reserve |
2,963,936 |
3,222,374 |
3,124,367 |
2,753,971 |
|
Revaluation Reserve |
0 |
0 |
0 |
0 |
|
Sundry Reserves |
0 |
0 |
0 |
0 |
|
Shareholders Funds |
2,964,936 |
3,223,374 |
3,125,367 |
2,754,971 |
Other Financial
Items
|
|
31/12/2013 52 GBP Group: No |
31/12/2012 52 GBP Group: No |
31/12/2011 52 GBP Group: No |
31/12/2010 52 GBP Group: No |
|
Net Worth |
2,964,936 |
3,223,374 |
3,122,928 |
2,747,991 |
|
Working Capital |
2,290,609 |
2,512,272 |
2,394,380 |
2,015,064 |
|
Total Assets |
3,850,381 |
3,812,518 |
3,841,368 |
3,919,125 |
|
Total Liabilities |
885,445 |
589,144 |
716,001 |
1,164,154 |
|
Net Assets |
2,964,936 |
3,223,374 |
3,125,367 |
2,754,971 |
Cash Flow
|
|
31/12/2013 52 GBP Group: No |
31/12/2012 52 GBP Group: No |
31/12/2011 52 GBP Group: No |
31/12/2010 52 GBP Group: No |
|
Net Cash Flow from Operations |
867,889 |
1,179,661 |
951,173 |
1,027,774 |
|
Net Cash Flow before Financing |
235,011 |
389,316 |
389,661 |
248,339 |
|
Net Cash Flow from Financing |
0 |
0 |
0 |
0 |
|
Increase in Cash |
235,011 |
246,193 |
0 |
0 |
Miscellaneous
|
|
31/12/2013 52 GBP Group: No |
31/12/2012 52 GBP Group: No |
31/12/2011 52 GBP Group: No |
31/12/2010 52 GBP Group: No |
|
Capital Employed |
2,978,742 |
3,242,163 |
3,147,325 |
2,767,994 |
BULK HARDWARE LIMITED Company
No.: Financial Ratios
|
Name |
31/12/2013 |
31/12/2012 |
31/12/2011 |
31/12/2010 |
|
Pre Tax Profit Margin |
3.23 % |
18.70 % |
19.31 % |
19.30% |
|
Current Ration |
3.63 |
5.40 |
4.45 |
2.75 |
|
Sales or Net Working Capital |
1.87 |
1.72 |
1.82 |
2.16 |
|
Gearing |
0.47 % |
0.58 % |
5.28 % |
19.81 % |
|
Equity |
77.00 % |
84.55 % |
81.41 % |
70.42 % |
|
Creditor Days |
11.07 |
8.57 |
8.84 |
11.57 |
|
Debtor Days |
38.53 |
46.17 |
43.08 |
46.37 |
|
Liquidity or Acid test |
1.17 |
1.50 |
0.99 |
0.56 |
|
Return on Capital Employed |
4.63 % |
24.97 % |
26.68 % |
30.40 % |
|
Return on Total Assets Employed |
3.58 % |
21.24% |
21.86 % |
21.47% |
|
Current Debt Ratio |
0.29 % |
0.17% |
0.22 % |
0.41 % |
|
Total Debt Ratio |
0.29 % |
0.18% |
0.22 % |
0.42 % |
|
Stock Turnover Ratio |
49.92 % |
51.41 % |
55.16% |
57.69 % |
|
Return on Net Assets Employed |
4.66 % |
25.12% |
26.87 % |
30.55 % |
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.61.50 |
|
UK Pound |
1 |
Rs.92.16 |
|
Euro |
1 |
Rs.69.62 |
INFORMATION DETAILS
|
Analysis Done by
: |
DIV |
|
|
|
|
Report Prepared
by : |
MNL |
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.