MIRA INFORM REPORT

 

 

Report No. :

306152

Report Date :

31.01.2015

 

IDENTIFICATION DETAILS

 

Name :

FARGRO LIMITED

 

 

Registered Office :

Toddington Lane, Wick Littlehampton BN17 7PP

 

 

Country :

United Kingdom

 

 

Financials (as on) :

30.09.2013

 

 

Date of Incorporation :

01.10.2007

 

 

Com. Reg. No.:

06386629

 

 

Legal Form :

Private limited with Share Capital

 

 

Line of Business :

Wholesale of Chemical Products

 

 

No. of Employees :

61

 

 

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

 

 

Company Name and address

 

Company  Name:

FARGRO  LIMITED

Company  No:

06386629

Company  Status:

Active  -  Accounts  Filed

Registered  Address:

TODDINGTON  LANE

 

WICK

 

LITTLEHAMPTON

 

BN17  7PP

 

 

Company summary

 

Registered  Address

TODDINGTON  LANE

Trading  Address

Toddington  Lane

 

WICK

 

Wick

 

LITTLEHAMPTON,

BN17  7PP

 

Littlehampton

West  Sussex

BN17  7PP

Website  Address

http://www.fargro.co.uk

 

 

Telephone  Number

01903721591

Fax  Number

-

TPS

Yes

FPS

No

Incorporation  Date

01/10/2007

Type

Private  limited  with  Share  Capital

Previous  Name

-

FTSE  Index

-

Date  of  Change

-

Filing  Date  of  Accounts

05/02/2014

Currency

GBP

Share  Capital

£189,531

SIC07

46750

Charity  Number

-

SIC07  Description

Wholesale  of  Chemical  Products

 

 

Principal  Activity

The  supply  of  requisites  and  energy  to  the  horticultural  industry.

 

 

Key Financials

 

Year  to  Date

Turnover

30/09/2013

£20,772,773

30/09/2012

£21,272,115

30/09/2011

£21,298,130

 

 

Mortgage Summary

 

Total  Mortgage

0

Outstanding

0

Satisfied

0

 

 

Trade Debtors/ Bad Debt Summary

 

Total  Number  of  Documented  Trade

7

Total  Value  of  Documented  Trade

£87,461

 

 

Commentary

 

No exact match CCJs are recorded against the company.

Net Worth increased by 6.5% during the latest trading period.

The company saw an increase in their Cash Balance of 2.8% during the latest trading period.

The audit report contains no adverse comments.

Sales in the latest trading period decreased 2.3% on the previous trading period.

A 1.6% decline in Total Assets occurred during the latest trading period.

Pre-tax profits decreased by 21.9% compared to the previous trading period.

No recent changes in directorship are recorded.

The company is not part of a group.

The company was established over 7 years ago.

 

 

CCJ

 

Total  Number  of  Exact  CCJs  -

0

 

 

Total  Value  of  Exact  CCJs  -

 

Total  Number  of  Possible  CCJs  -

0

 

 

Total  Value  of  Possible  CCJs  -

 

Total  Number  of  Satisfied  CCJs  -

0

 

 

Total  Value  of  Satisfied  CCJs  -

 

Total  Number  of  Writs  -

-

 

 

 

 

 

 

Payment Information

 

DBT

5

Payment  Trend

Stable

Industry  DBT

7

Within  Terms

 

Number  of  Experiences

1

 

 

 

 

 

Within  Terms

0-30  Days

 

31-60  Days

61-90  Days

91+  Days

Paid

44

13

1

 

0

1

Outstanding

2

3

0

 

0

0

 

Current Directors

 

Current  Directors

Name

David  John  Godsmark

Date  of  Birth

30/07/1949

Officers  Title

Mr

Nationality

British

Present  Appointments

7

Function

Director

Appointment  Date

01/10/2007

 

 

Address

Toddington  Lane,  Wick,  Littlehampton,  West  Sussex,  BN17  7PP

 

 

Name

George  Clive  Lisher

Date  of  Birth

15/06/1947

Officers  Title

Mr

Nationality

British

Present  Appointments

3

Function

Director

Appointment  Date

01/10/2007

 

 

Address

Toddington  Lane,  Wick,  Littlehampton,  West  Sussex,  BN17  7PP

 

 

Name

James  McAlpine

Date  of  Birth

09/02/1954

Officers  Title

Mr

Nationality

British

Present  Appointments

1

Function

Director

Appointment  Date

01/10/2007

 

 

Address

Toddington  Lane,  Wick,  Littlehampton,  West  Sussex,  BN17  7PP

 

 

Name

Paul  Ian  Sopp

Date  of  Birth

25/04/1961

Officers  Title

Mr

Nationality

British

Present  Appointments

2

Function

Director

Appointment  Date

01/10/2007

 

 

Address

Toddington  Lane,  Wick,  Littlehampton,  West  Sussex,  BN17  7PP

 

 

Name

Colin  Goddard

Date  of  Birth

09/04/1949

 

 

 

 

 

Officers  Title

Mr

Nationality

British

Present  Appointments

3

Function

Director

Appointment  Date

01/10/2007

 

 

Address

Toddington  Lane,  Wick,  Littlehampton,  West  Sussex,  BN17  7PP

 

 

 

 

Name

Christopher  Peter  Moncrieff

Date  of  Birth

30/10/1962

Officers  Title

Mr

Nationality

British

Present  Appointments

4

Function

Director

Appointment  Date

27/01/2009

 

 

Address

Toddington  Lane,  Wick,  Littlehampton,  West  Sussex,  BN17  7PP

 

 

 

 

Name

Jonathan  Zwinkels

Date  of  Birth

18/03/1984

Officers  Title

Mr

Nationality

Dutch

Present  Appointments

4

Function

Director

Appointment  Date

21/09/2010

 

 

Address

Toddington  Lane,  Wick,  Littlehampton,  West  Sussex,  BN17  7PP

 

 

 

Current  Company  Secretary

Name

Colin  Goddard

Date  of  Birth

09/04/1949

Officers  Title

Mr

Nationality

British

Present  Appointments

3

Function

Company  Secretary

Appointment  Date

01/10/2007

 

 

Address

Toddington  Lane,  Wick,  Littlehampton,  West  Sussex,  BN17  7PP

 

 

 

Top 20 Shareholders

 

Name

Currency

Share  Count     

Share  Type    

Nominal  Value

MR  P.J.  KNIGHT

GBP

20,020

ORDINARY

1

ROUNDSTONE  NURSERIES  LTD

GBP

20,020

ORDINARY

1

MRS  R.A.  WEBBER

GBP

15,273

ORDINARY

1

HUMBER  GROWERS  LTD

GBP

6,824

ORDINARY

1

MR  G.C.  LISHER

GBP

6,084

ORDINARY

1

A.  R.WILLS  LTD

GBP

4,566

ORDINARY

1

MRS  H.D.  GODSMARK  &  HORNBUCKLE  MITCHELL  TRUSTEES  LIMITED

GBP

3,687

ORDINARY

1

MR  C.  LEACH

GBP

3,108

ORDINARY

1

MR  D.J.  GODSMARK  &  HORNBUCKLE  MITCHELL  TRUSTEES  LIMITED

GBP

3,000

ORDINARY

1

F.  A.SECRETT  LTD

GBP

2,897

ORDINARY

1

TODDINGTON  NURSERIES  LTD

GBP

2,520

ORDINARY

1

MR  S.C.  TULLEY

GBP

2,299

ORDINARY

1

WINDMILL NURSERIES LIMITED

GBP

2,269

ORDINARY

1

MR  P.  LIVERMAN

GBP

2,148

ORDINARY

1

MR  H.J.  MEYER

GBP

1,959

ORDINARY

1

FRESH  WILLOW  LIMITED

GBP

1,786

ORDINARY

1

MR  M.  WILSON

GBP

1,654

ORDINARY

1

MRS  H.D.  GODSMARK

GBP

1,592

ORDINARY

1

Unable  to  report  percentage  holdings  as  filed  Shareholder  listing  is  not  full.

 

 

Profit & Loss

 

Date  Of  Accounts

30/09/13

(%)

30/09/12

(%)

30/09/11

(%)

30/09/10

(%)

30/09/09

Weeks

52

(%)

52

(%)

52

(%)

52

(%)

52

Currency

GBP

(%)

GBP

(%)

GBP

(%)

GBP

(%)

GBP

Consolidated  A/cs

N

(%)

N

(%)

N

(%)

N

(%)

N

Turnover

£20,772,773

-2.3%

£21,272,115

-0.1%

£21,298,130

19.2%

£17,863,626

17.1%

£15,251,082

Export

-

-

-

-

-

-

-

-

-

Cost  of  Sales

£16,888,315

-2%

£17,238,692

0%

£17,231,501

19.9%

£14,369,258

14.4%

£12,558,765

Gross  Profit

£3,884,458

-3.7%

£4,033,423

-0.8%

£4,066,629

16.4%

£3,494,368

29.8%

£2,692,317

Wages  &  Salaries

£2,083,955

1.3%

£2,057,074

2.3%

£2,011,115

14.9%

£1,750,299

21.7%

£1,438,153

Directors

 

 

 

 

 

 

 

 

 

 

£335,295

-5.3%

£353,939

-15.5%

£418,856

9.8%

£381,545

30.6%

£292,205

Emoluments

 

 

 

 

 

 

 

 

 

Operating  Profit

£494,589

-21%

£626,294

-20.1%

£784,092

11.2%

£705,185

131.9%

£304,130

Depreciation

£192,919

0.7%

£191,523

5.6%

£181,366

22%

£148,702

-9.3%

£163,906

 

Audit  Fees

£12,000

-

£12,000

-

£12,000

-

£12,000

1.9%

£11,779

Interest  Payments

£24,003

1%

£23,762

-13.5%

£27,481

25.3%

£21,935

-38.2%

£35,496

Pre  Tax  Profit

£470,650

-21.9%

£602,592

-20.4%

£756,683

10.7%

£683,305

154.3%

£268,702

Taxation

-£74,950

34.4%

-£114,285

36.9%

-£180,998

-5.7%

-£171,213

-198.3%

-£57,392

Profit  After  Tax

£395,700

-19%

£488,307

-15.2%

£575,685

12.4%

£512,092

142.3%

£211,310

Dividends  Payable

£123,195

8.3%

£113,718

20%

£94,766

150%

£37,907

-9.1%

£41,697

Retained  Profit

£272,505

-27.3%

£374,589

-22.1%

£480,919

1.4%

£474,185

179.6%

£169,613

 

 

BALANCE SHEET

 

Date Of Accounts

30/09/13

(%)

30/09/12

(%)

30/09/11

(%)

30/09/10

(%)

30/09/09

Tangible Assets

£1,737,417

-4.2%

£1,812,968

-0.1%

£1,815,273

3.6%

£1,752,245

2%

£1,717,419

Intangible Assets

0

-

0

-

0

-

0

-

0

Total Fixed Assets

£1,737,417

^1.2%

£1,812,968

-0.1%

£1,815,273

3.6%

£1,752,245

2%

£1,717,419

Stock

£1,959,213

1.9%

£1,923,151

-14.3%

£2,244,655

16%

£1,935,287

27.2%

£1,520,888

Trade Debtors

£2,894,301

-9.6%

£3,201,447

-2.8%

£3,293,234

13.2%

£2,908,380

27.6%

£2,279,316

Cash

£513,181

2.8%

£499,073

53.7%

£324,793

-35.5%

£503,631

262%

£139,142

Other Debtors

£339,921

169.4%

£126,171

376.9%

£26,454

3.4%

£25,575

-30.1%

£36,588

Miscellaneous

n

 

n

 

n

 

n

 

n

Current Assets

u

 

u

 

u

 

u

 

u

Total Current Assets

£5,706,616

-0.8%

£5,749,842

-2.4%

£5,889,136

9.6%

£5,372,873

35.1%

£3,975,934

Trade Creditors

£2,038,346

-9.3%

£2,247,135

-11.4%

£2,535,049

0.8%

£2,514,715

27.7%

£1,968,853

Bank Loans &

 

 

 

 

 

 

 

 

 

Overdrafts

0

 

0

 

0

 

0

 

0

Other Short Term Finance

£132,874

-5.7%

£140,956

3.2%

£136,616

18.9%

£114,929

17.5%

£97,785

Miscellaneous Current Liabilities

£629,951

-14.8%

£739,378

-24.9%

£984,434

4.6%

£941,087

57.7%

£596,654

Total Current Liabilities

£2,801,171

-10.4%

£3,127,469

-14.5%

£3,656,099

24%

£3,570,731

34.1%

£2,663,292

Bank Loans & Overdrafts and LTL

£148,558

-30.4%

£213,542

6.2%

£201,100

6.9%

£188,096

36.8%

£137,505

Other Long Term Finance

£148,558

-30.4%

£213,542

6.2%

£201,100

6.9%

£188,096

36.8%

£137,505

Total Long Term Liabilities

£148,558

-30.4%

£213,542

6.2%

£201,100

6.9%

£188,096

36.8%

£137,505

 

 

 

Capital & Reserves

 

 

 

 

 

 

 

 

Date Of Accounts

30/09/13

(%)

30/09/12

(%)

30/09/11

(%)

30/09/10

(%)

30/09/09

Called Up Share Capital

£189,531

-

£189,531

-

£189,531

-

£189,531

-

£189,531

P & L Account Reserve

£3,491,690

8.5%

£3,219,185

13.2%

£2,844,596

20.3%

£2,363,677

25.1%

£1,889,492

Revaluation Reserve

£780,235

-

£780,235

-

£780,235

-

£780,235

-

£780,235

Sundry Reserves

£32,848

-

£32,848

-

£32,848

-

£32,848

-1.4%

£33,298

Shareholder Funds

£4,494,304

6.5%

£4,221,799

9.7%

£3,847,210

14.3%

£3,366,291

164%

£2,892,556

 

 

 

Other Financial Items

 

 

 

 

 

 

 

 

Date Of Accounts

30/09/13

(%)

30/09/12

(%)

30/09/11

(%)

30/09/10

(%)

30/09/09

Net Worth

£4,494,304

6.5%

£4,221,799

9.7%

£3,847,210

14.3%

£3,366,291

16.4%

£2,892,556

Working Capital

£2,905,445

10.8%

£2,622,373

174%

£2,233,037

23.9%

£1,802,142

37.3%

£1,312,642

Total Assets

£7,444,033

-1.6%

£7,562,810

-1.8%

£7,704,409

8.1%

£7,125,118

25.1%

£5,693,353

Total Liabilities

£2,949,729

-11.7%

£3,341,011

-13.4%

£3,857,199

2.6%

£3,758,827

34.2%

£2,800,797

Net Assets

£4,494,304

6.5%

£4,221,799

9.7%

£3,847,210

14.3%

£3,366,291

16.4%

£2,892,556

 

 

Cash Flow

 

 

 

 

 

 

 

 

 

Date Of Accounts

30/09/13

(%)

30/09/12

(%)

30/09/11

(%)

30/09/10

(%)

30/09/09

Net Cashflow from Operations

£459,071

-29.5%

£651,271

110.5%

£309,422

-49.5%

£612,219

-35.1%

£943,601

Net Cashflow before Financing

£180,541

-47.3%

£342,547

999.9%

-£31,068

-106.2%

£502,805

-40.1%

£838,983

Net Cashflow from  Financing

-£166,433

1.1%

-£168,267

-13.9%

-£147,770

-6.8%

-£138,316

-6.8%

-£129,551

Increase in Cash

£14,108

-91.9%

£174,280

197.5%

-£178,838

-149.1%

£364,489

-48.6%

£709,432

 

 

MISCELLANEOUS

 

Date  of Accounts

 

30/09/13

(%)

30/09/12

(%)

30/09/11

(%)

30/09/10

(%)

30/09/09

Contingent Liability

-

No

-

No

-

No

-

No

-

Capital Employed

£4,642,862

4.7%

£4,435,341

9.6%

£4,048,310

13.9%

£3,554,387

17.3%

£3,030,061

Number of Employee

61

-1.6%

62

10.7%

56

12%

50

6.4%

47

 

 

Auditors                       CARPENTER BOX LLP

Auditor Comments        The audit report contains no adverse comments

NATIONAL WESTMINSTER BANK PLC

 

 

Bankers                       

Bank Branch Code 60-24-31

 

 

RATIOS

 

Date Of Accounts

30/09/13

30/09/12

30/09/11

30/09/10

30/09/09

Pre-tax profit margin %

2.27

2.83

3.55

3.83

1.76

Current ratio

2.04

1.84

1.61

1.50

1.49

Sales/Net Working Capital

7.15

8.11

9.54

9.91

11.62

Gearing %

3.30

5.10

5.20

5.60

4.80

Equity in %

60.40

55.80

49.90

47.20

50.80

Creditor Days

35.71

38.45

43.32

51.24

46.99

Debtor Days

50.71

54.78

56.28

59.26

54.40

Liquidity/Acid Test

1.33

1.22

0.99

0.96

0.92

Return On Capital Employed %

10.13

13.58

18.69

19.22

8.86

Return On Total Assets Employed %

6.32

7.96

9.82

9.59

4.71

Current Debt Ratio

0.62

0.74

0.95

1.06

0.92

Total Debt Ratio

0.65

0.79

1

1.11

0.96

Stock Turnover Ratio %

9.43

9.04

10.53

10.83

9.97

Return on Net Assets Employed %

10.47

14.27

19.66

20.29

9.28

 

Report Notes

There are no notes to display.

 

Status History

No Status History found

 

 

Event History

 

Date

Description

22/10/2014

Annual Returns

10/02/2014

New Accounts Filed

09/10/2013

Annual Returns

05/04/2013

Mr K.R. Cox has left the board

13/03/2013

New Accounts Filed

09/10/2012

Annual Returns

19/04/2012

Change in Reg.Office

19/04/2012

Change of Company Postcode

28/02/2012

New Accounts Filed

28/02/2012

New Accounts Filed

28/10/2011

Annual Returns

27/10/2011

Change in Reg.Office

27/10/2011

Change of Company Postcode

 

 

Previous Company Names

No Previous Names found

 

Writ Details

No writs found

 

 

Statistics

 

Summary

 

 

Group

-

Holding  Company

-

 

Linkages

0 companies

Ownership  Status

 

 

Countries

In  0  countries

Ultimate  Holding  Company

-

 

 

 

Group structure

 

No  group  structure

 

 

Creditor Details

 

 

Total  Number

Total  Value

Trade  Creditors

0

-

No  Creditor  Data

 

 

 

 

Trade  Debtors  /  Bad  Debt  Detail

 

Total  Number  of  Documented  Trade

Total  Value  of  Documented  Trade

 

Trade  Debtors

7

£87,461

 

 

 

Company  Name

Amount

Statement  Date

R  A  Meredith  &  Son  (Blooms)  Limited

£34,742

27/10/2011

Salmans  Limited

£25,255

28/02/2014

Peacocks  Garden  World  Limited

£14,972

02/09/2011

Linea  Verde  UK  Limited

£5,483

29/01/2010

Orchard  Nurseries  (Terrington)  Limited

£3,716

04/09/2013

Coronation  Nursery  Limited

£2,715

26/03/2014

Air-Raid  Limited

£578

15/07/2010

 

 

 

 

 

 

 

 

 

Previous Director /Company Secretaries

 

Name

Current  Directorships

Previous  Directorships

Kenneth  Richard  Cox

0

6

Gerald  Hayman

0

1

 

Average  Invoice  Value

 

£739.16

Invoices  available

 

64

Paid

 

59

Outstanding

 

5

 

Trade  Payment  Data  is  information  that  we  collect  from  selected  third  party  partners  who  send  us  information  about  their  whole  sales  ledger.

 

 

 

Within  Terms

0-30  Days

31-60  Days

61-90  Days

91+  Days

Paid

44

13

1

0

1

Outstanding

2

3

0

0

0

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.76

UK Pound

1

Rs.93.13

Euro

1

Rs.70.03

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

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.