MIRA INFORM REPORT

 

 

Report No. :

330670

Report Date :

06.07.2015

 

IDENTIFICATION DETAILS

 

Name :

SESA - S.P.A.

 

 

Registered Office :

Via Mantova, 12, 21057 - Olgiate Olona (VA)

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

01.01.1950

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

·         Manufacture of Metal Products (Except Machinery and Equipment)

·         Manufacture of Structural Metal Products

·         Forging, Drawing, Stamping and Roll-Forming of Metal; Powder Metallurgy

·         Manufacture of Products Iron, Copper and Other Metals.

 

 

No. of Employees :

From 71 to 90

 

 

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 – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Italy

A1

A1

 

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 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 132% of GDP in 2014, 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 tax evasion. In 2014 economic growth and labor market conditions continued to deteriorate, with overall unemployment rising to 12.2% and youth unemployment around 40%. Italy's GDP is now nearly 10% below its 2007 pre-crisis level.

 

Source : CIA

 

Company Name and address

 

SESA - S.P.A.

Via Mantova, 12

 

21057 - Olgiate Olona (VA) -IT-

 

 

Summary

 

Fiscal Code

:

00184100121

Legal Form

:

Joint stock company

Foundation Date

:

01/01/1950

Equity

:

100.000

Turnover Range

:

10.000.000/12.750.000

Number of Employees

:

from 71 to 90

 

 

Activity

 

MANUFACTURE OF METAL PRODUCTS ( EXCEPT MACHINERY AND EQUIPMENT)

Manufacture of structural metal products

Forging, drawing, stamping and roll-forming of metal; powder metallurgy

Manufacture of products iron, copper and other metals

 

 

Legal Data

 

Legal Form : Joint stock company

Fiscal Code : 00184100121

 

Foreign Trade Reg. no. : 016389 of Varese since 09/01/1992

 

Chamber of Commerce no. : 50722 of Varese since 28/03/1950

 

Firms' Register : VA026-4313 of Varese since 19/02/1996

 

V.A.T. Code : 00184100121

 

Foundation date

: 01/01/1950

Establishment date

: 18/03/1950

Legal duration

: 31/12/2050

Nominal Capital

: 300.000

Subscribed Capital

: 300.000

Paid up Capital

: 300.000

 

Legal mail :

SESAPLATES@MEGAPEC.EU

 

 

Members

 

Santori

Marco

 

Born in Busto Arsizio

(VA)

on 28/07/1953

- Fiscal Code : SNTMRC53L28B300H

 

Residence:

Mantova

, 12

- 21057

Olgiate Olona

(VA)

- IT -

 

Position

Since

Shares Amount

% Ownership

Sole Director

09/04/2014

 

No Prejudicial events are reported

 

No Protests registered

 

Santori

Rossella

 

Born in Busto Arsizio

(VA)

on 20/06/1955

- Fiscal Code : SNTRSL55H60B300A

 

Residence:

Venezia 13

, 13

- 21052

Busto Arsizio

(VA)

- IT -

 

Position

Since

Shares Amount

% Ownership

Partner

 

No Prejudicial events are reported

 

No Protests registered

 

Basalini

Cristian

 

Born in Arona

(NO)

on 23/08/1979

- Fiscal Code : BSLCST79M23A429K

 

Residence:

Privata Delle Rose

, 31

- 28833

Brovello-Carpugnino

(VB)

- IT -

 

Position

Since

Shares Amount

% Ownership

Auditor

22/03/2013



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.

 

Santori

Marco

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

Immobiliare Cassiopea - S.r.l.

Busto Arsizio (VA) - IT -

01808100125

Board Chairman

Active

Registered

SANTORI MARCO

Busto Arsizio (VA) - IT -

SNTMRC53L28B300H

Proprietor

Withdrawn

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

Santori Marco

Olgiate Olona - IT -

SNTMRC53L28B300H

150.000 .Eur

50,00

Santori Rossella

Busto Arsizio - IT -

SNTRSL55H60B300A

150.000 .Eur

50,00

 

 

Direct Participations

 

The Company under review has participations in the following Companies:

 

Firm's Style

Seat

Fiscal Code

Owned Shares Amount

% Ownership

since

until

Share Status

Industria E Universita' S.r.l.

Varese - IT -

01930490121

15.300 .Eur

0,11

Active

 

Firm's location and structure

 

In order to carry out its activities the firm uses the following locations:

 

-

Legal and operative seat

 

Mantova

, 12

- 21057

- Olgiate Olona

(VA)

- IT -

 

PHONE

: 0331631388

 

FAX

: 0331677313

 

Legal mail

: SESAPLATES@MEGAPEC.EU

 

Employees

: 74

 

Fittings and Equipment for a value of 1.410.000

Eur

 

Stocks for a value of 2.100.000

Eur

 

The firm operates abroad as importer / exporter..

Export represents more than 50% of the global turnover.

Products abroad are placed by :

- its own agents

 

- direct orders from foreign companies

 

Import comes generally from the following nations:

- Hungary

 

 

Historical Information and/or Firm's Status

 

CHANGES TO THE LEGAL FORM:

 

Former legal form

New legal form

Changement Date

General partnership

Limited liability company

14/07/1982

Limited liability company

Joint stock company

01/03/1988



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 1950.

An eco-fin analysis has been made on the base od the b/s fo the years 2011, 2012 and 2013.

Under the financial profile unstable results are noted. ; in the last financial year a loss was registered (r.o.e. -1061,32%) In the last financial year a drop in sales has been registered (-16,28%).

The operating result is negative.

The amount of the operating loss for 2013 is equal to Eur. -904.673.

The gross operating margin for the fiscal year 2013 is negative, for an amount of Eur. -301.392.

Short-term debts volume if compared to net worth, as it comes out from the total indebtedness (43,04) which tends upward.

With regard to equity capital, an amount of Eur. 83.303 is registered. , falling in comparison with the year before.

During the last financial year debts totalled Eur. 6.570.485 (Eur. 2.291.206 of which were m/l term debts) , rising as opposed to the previous year (+21,97%).

Remarkable financial indebtedness; payments average period is slightly high too (115,54 gg.) even if it still falls within the sector's average.

Liquidity is good (1,14)

Trade credits average terms are 45,28 days. , shorter than the sector's average.

(Eur. -280.831) is the negative value of the cash flow.

In the last financial year labour cost was of Eur. 4.328.798, with a 35% incidence on total costs of production. , whereas the incidence on sales revenues is of 38,45%.

The incidence of the financial charges is of -0,95% on the sales amount.



Financial Data

 

Complete balance-sheet for the year

al 31/12/2013

(in Eur

x 1)

 

Item Type

Value

Sales

11.259.532

Profit (Loss) for the period

-884.112

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

13.449.644

Profit (Loss) for the period

69.931

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

12.528.973

Profit (Loss) for the period

574.452

 

Complete balance-sheet for the year

al 31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

11.817.279

Profit (Loss) for the period

-505.405

 

Complete balance-sheet for the year

al 31/12/2009

(in Eur

x 1)

 

Item Type

Value

Sales

11.447.052

Profit (Loss) for the period

-551.039



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

 

Years

2013

2012

2011

BALANCE SHEET ACCOUNTS

 

ASSETS

CREDITS VS PARTNERS

. Deposits not yet withdrawn

. Deposits already withdrawn

Total credits vs partners

FIXED ASSETS

. INTANGIBLE FIXED ASSETS

. . Start-up and expansion expenses

. . Research,develop. and advert.expens.

. . Industrial patent rights

. . Concessions,licenses,trademarks,etc.

. . Goodwill

. . Assets in formation and advance paymen.

. . Other intangible fixed assets

289.269

305.764

167.730

. Total Intangible Fixed Assets

289.269

305.764

167.730

. TANGIBLE FIXED ASSETS

. . Real estate

. . Plant and machinery

1.348.544

1.345.142

1.395.002

. . Industrial and commercial equipment

62.805

70.821

84.278

. . Other assets

156.293

153.144

102.052

. . Assets under construction and advances

. Total Tangible fixed assets

1.567.642

1.569.107

1.581.332

. FINANCIAL FIXED ASSETS

. . Equity investments

1.489.517

1.240.187

1.240.187

. . . Equity invest. in subsidiary companies

642.089

392.759

392.759

. . . Equity invest. in associated companies

831.418

831.418

831.418

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

16.010

16.010

16.010

. . Financial receivables

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivab due from subsidiaries

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from assoc.comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from third parties

. . . . Within 12 months

. . . . Beyond 12 months

. . Other securities

. . Own shares

. . . Total nominal value

. Total financial fixed assets

1.489.517

1.240.187

1.240.187

Total fixed assets

3.346.428

3.115.058

2.989.249

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

1.777.445

1.833.737

1.455.405

. . Work in progress and semimanufactured

319.013

319.478

363.281

. . Work in progress on order

. . Finished goods

. . Advance payments

. Total Inventories

2.096.458

2.153.215

1.818.686

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

2.075.808

2.448.709

2.262.977

. . Beyond 12 months

. . Trade receivables

1.416.277

1.737.622

1.681.258

. . . . Within 12 months

1.416.277

1.737.622

1.681.258

. . . . Beyond 12 months

. . Receivables due from subsid. comp.

206.330

194.330

. . . . Within 12 months

206.330

194.330

. . . . Beyond 12 months

. . Receivables due from assoc. comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Fiscal Receivables

261.158

194.971

40.751

. . . . Within 12 months

261.158

194.971

40.751

. . . . Beyond 12 months

. . Receivables for anticipated taxes

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from third parties

398.373

309.786

346.638

. . . . Within 12 months

398.373

309.786

346.638

. . . . Beyond 12 months

. Total Credits not held as fixed assets

2.075.808

2.448.709

2.262.977

. FINANCIAL ASSETS

. . Equity invest. in subsidiary comp.

. . Equity invest. in associated companies

. . Equity invest. in holding companies

. . Other equity investments

. . Own shares

. . . Total nominale value

. . Other securities

. Total Financial Assets

. LIQUID FUNDS

. . Bank and post office deposits

692.356

268.740

540.792

. . Checks

. . Banknotes and coins

1.484

1.960

717

. Total Liquid funds

693.840

270.700

541.509

Total current assets

4.866.106

4.872.624

4.623.172

ADJUSTMENT ACCOUNTS

. Discount on loans

52.904

58.976

. Other adjustment accounts

43.575

Total adjustments accounts

52.904

58.976

43.575

TOTAL ASSETS

8.265.438

8.046.658

7.655.996

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

300.000

300.000

300.000

. Additional paid-in capital

. Revaluation reserves

. Legal reserve

60.000

60.000

60.000

. Reserve for Own shares

. Statute reserves

. Other reserves

1.491.531

1.421.598

847.149

. Accumulated Profits (Losses)

. Profit( loss) of the year

-1.768.228

139.862

574.452

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

83.303

1.921.460

1.781.601

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

50.403

50.403

50.403

. . Taxation fund, also differed

. . Other funds

71.066

48.619

48.986

Total Reserves for Risks and Charges

121.469

99.022

99.389

Employee termination indemnities

551.714

583.779

669.090

ACCOUNTS PAYABLE

. . . . Within 12 months

4.279.279

4.519.202

4.998.486

. . . . Beyond 12 months

2.291.206

867.500

62.538

. . Bonds

. . . . Within 12 months

. . . . Beyond 12 months

. . Convertible bonds repayable

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to shareholders for financing

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to banks

3.286.923

1.531.528

1.528.094

. . . . Within 12 months

995.717

664.028

1.465.556

. . . . Beyond 12 months

2.291.206

867.500

62.538

. . Due to other providers of finance

. . . . Within 12 months

. . . . Beyond 12 months

. . Advances from customers

397.342

344.375

621.336

. . . . Within 12 months

397.342

344.375

621.336

. . . . Beyond 12 months

. . Trade payables

2.336.155

2.965.215

2.248.645

. . . . Within 12 months

2.336.155

2.965.215

2.248.645

. . . . Beyond 12 months

. . Securities issued

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to subsidiary companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to associated companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to holding companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to the tax authorities

134.471

146.799

248.431

. . . . Within 12 months

134.471

146.799

248.431

. . . . Beyond 12 months

. . Due to social security and welfare inst.

196.829

376.594

391.702

. . . . Within 12 months

196.829

376.594

391.702

. . . . Beyond 12 months

. . Other payables

218.765

22.191

22.816

. . . . Within 12 months

218.765

22.191

22.816

. . . . Beyond 12 months

Total accounts payable

6.570.485

5.386.702

5.061.024

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

54.353

125.626

44.892

Total adjustment accounts

54.353

125.626

44.892

TOTAL LIABILITIES

7.381.324

8.116.589

7.655.996

 

MEMORANDUM ACCOUNTS

 

Third party goods

Investment accounts

Risk accounts

Civil and fiscal norms relation

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

. Revenues from sales and services

11.259.532

13.449.644

12.528.973

. Changes in work in progress

-465

-43.803

37.629

. Changes in semi-manufact. products

. Capitalization of internal work

157.486

. Other income and revenues

46.947

366.981

235.749

. . Contributions for operating expenses

. . Different income and revenues

46.947

366.981

235.749

Total value of production

11.463.500

13.772.822

12.802.351

PRODUCTION COSTS

. Raw material,other materials and consum.

3.124.185

4.162.843

3.378.699

. Services received

3.627.731

. Leases and rentals

4.154.601

4.644.951

451.697

. Payroll and related costs

4.328.798

4.437.386

4.180.028

. . Wages and salaries

3.083.054

3.182.069

2.969.713

. . Social security contributions

972.789

1.038.909

992.574

. . Employee termination indemnities

271.551

207.414

211.789

. . Pension and similar

. . Other costs

1.404

8.994

5.952

. Amortization and depreciation

603.281

577.386

611.955

. . Amortization of intangible fixed assets

77.575

74.869

60.563

. . Amortization of tangible fixed assets

518.295

502.517

547.392

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

7.411

4.000

. Changes in raw materials

56.362

-378.332

-419.481

. Provisions to risk reserves

. Other provisions

. Other operating costs

100.946

99.101

119.448

Total production costs

12.368.173

13.543.335

11.950.077

Diff. between value and cost of product.

-904.673

229.487

852.274

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

619

850

1.237

. . Financ.income from receivables

. . . Towards subsidiary companies

. . . Towards associated companies

. . . Towards holding companies

. . . Towards other companies

. . Financ.income from secur. t.f.assets

. . Financ.income from secur. cur.assets

. . Financ.income other than the above

619

850

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

619

850

. Interest and other financial expense

-107.573

-72.534

-65.407

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

107.573

72.534

Total financial income and expense

-106.954

-71.684

-64.170

ADJUSTMENTS TO FINANCIAL ASSETS

. Revaluations

. . Of equity investments

. . Of financ.fixed assets not repres.E.I.

. . Of securities incl.among current assets

. Devaluation

. . Of equity investments

. . Of financial fixed assets (no equity inv)

. . Of securities included among current ass

Total adjustments to financial assets

EXTRAORDINARY INCOME AND EXPENSE

. Extraordinary income

217.537

55.705

2

. . Gains on disposals

. . Other extraordinary income

217.537

55.705

2

. Extraordinary expense

. . Losses on disposals

. . Taxes relating to prior years

. . Other extraordinary expense

Total extraordinary income and expense

217.537

55.705

2

Results before income taxes

-794.090

213.508

788.106

. Taxes on current income

90.022

143.577

213.654

. . current taxes

90.022

143.577

213.654

. . differed taxes(anticip.)

. Net income for the period

-884.112

69.931

574.452

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

-884.112

69.931

574.452

 

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

0,40

0,39

0,39

0,29

Elasticity Ratio

Units

0,59

0,61

0,60

0,68

Availability of stock

Units

0,25

0,27

0,24

0,17

Total Liquidity Ratio

Units

0,34

0,34

0,37

0,46

Quick Ratio

Units

0,08

0,03

0,07

0,01

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

43,04

2,21

2,50

2,76

Self Financing Ratio

Units

0,01

0,24

0,23

0,19

Capital protection Ratio

Units

18,63

0,77

0,51

0,73

Liabilities consolidation quotient

Units

0,66

0,32

0,15

0,26

Financing

Units

78,87

2,80

2,84

3,72

Permanent Indebtedness Ratio

Units

0,35

0,42

0,33

0,40

M/L term Debts Ratio

Units

0,34

0,18

0,10

0,14

Net Financial Indebtedness Ratio

Units

31,13

0,66

0,55

1,43

CORRELATION

Fixed assets ratio

Units

0,87

1,08

0,84

1,26

Current ratio

Units

1,14

1,08

0,92

1,17

Acid Test Ratio-Liquidity Ratio

Units

0,65

0,60

0,56

0,82

Structure's primary quotient

Units

0,02

0,62

0,60

0,66

Treasury's primary quotient

Units

0,16

0,06

0,11

0,03

Rate of indebtedness ( Leverage )

%

9922,14

418,78

429,73

525,76

Current Capital ( net )

Value

586.827

353.422

-375.314

298.138

RETURN

Return on Sales

%

-2,49

4,81

9,47

4,68

Return on Equity - Net- ( R.O.E. )

%

-1061,32

3,64

32,24

3,71

Return on Equity - Gross - ( R.O.E. )

%

-953,25

11,11

44,24

13,44

Return on Investment ( R.O.I. )

%

-10,95

2,85

11,13

4,74

Return/ Sales

%

-8,03

1,71

6,80

4,15

Extra Management revenues/charges incid.

%

n.c.

30,47

67,40

21,51

Cash Flow

Value

-280.831

647.317

1.186.407

185.471

Operating Profit

Value

-904.673

229.487

852.274

194.639

Gross Operating Margin

Value

-301.392

806.873

1.464.229

390.334

MANAGEMENT

Credits to clients average term

Days

45,28

46,51

48,31

101,01

Debts to suppliers average term

Days

115,54

121,20

108,54

120,12

Average stock waiting period

Days

67,03

57,63

52,26

52,84

Rate of capital employed return ( Turnover )

Units

1,36

1,67

1,64

1,16

Rate of stock return

Units

5,37

6,25

6,89

6,79

Labour cost incidence

%

38,45

32,99

33,36

15,66

Net financial revenues/ charges incidence

%

-0,95

-0,53

-0,51

-1,77

Labour cost on purchasing expenses

%

35,00

32,76

34,98

16,92

Short-term financing charges

%

1,64

1,35

1,29

3,19

Capital on hand

%

73,41

59,83

61,11

85,76

Sales pro employee

Value

83.403

97.461

154.678

226.946

Labour cost pro employee

Value

32.065

32.154

51.605

33.958

 

 

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

:

843.250

Population living in the region

:

9.393.092

Number of families in the region

:

3.858.736

 

Monthly family expences average in the region (in Eur.) :

 

- per food products

:

460

- per non food products

:

2.090

- per energy consume

:

114

 

 

Sector Data

 

The values are calculated on a base of 680 significant companies.

The companies cash their credits on an average of 101 dd.

The average duration of suppliers debts is about 120 dd.

The sector's profitability is on an average of 4,68%.

The labour cost affects the turnover in the measure of 15,66%.

Goods are held in stock in a range of 53 dd.

The difference between the sales volume and the resources used to realize it is about 1,16.

The employees costs represent the 16,92% of the production costs.

 

 

Statistical Detrimental Data

 

Statistcally the trade activity shows periods of crisis.

The area is statistically considered moderately risky.

In the region 50.886 protested subjects are found; in the province they count to 4.597.

The insolvency index for the region is 0,55, , while for the province it is 0,55.

Total Bankrupt companies in the province : 3.052.

Total Bankrupt companies in the region : 39.612.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.40

UK Pound

1

Rs.98.94

Euro

1

Rs.70.33

 

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.