MIRA INFORM REPORT

 

 

Report No. :

330225

Report Date :

08.07.2015

 

IDENTIFICATION DETAILS

 

Name :

ROSY BLUE NV

 

 

Registered Office :

Hoveniersstraat 53-Bus 127, 2018 Antwerpen

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

15.10.1973

 

 

Com. Reg. No.:

413178230

 

 

Legal Form :

Public Limited Liability Company 

 

 

Line of Business :

Wholesale of Watches and Jewellery.

 

 

No. of Employees :

22

 

 

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)

Belgium

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

BELGIUM - ECONOMIC OVERVIEW

 

This modern, open, and private-enterprise-based economy has capitalized on its central geographic location, highly developed transport network, and diversified industrial and commercial base. Industry is concentrated mainly in the more heavily-populated region of Flanders in the north. With few natural resources, Belgium imports substantial quantities of raw materials and exports a large volume of manufactures, making its economy vulnerable to shifts in foreign demand, particularly in Belgium’s EU trade partners. Roughly three-quarters of Belgium's trade is with other EU countries. In 2014 Belgian GDP grew by 0.9%, the unemployment rate stabilized at 8.5%, and the the budget deficit was 3.2% of GDP. Prime Minister Charles MICHEL’s center-right government has pledged to further reduce the deficit in response to EU pressure to reduce Belgium’s high public debt, which remains above 100% of GDP, but such efforts could also dampen economic growth. In addition to restrained public spending, low wage growth and high unemployment promise to curtail a more robust recovery in private consumption. The government has pledged to pursue an reform program to improve Belgium’s competitiveness, including changes to tax policy, labor market rules, and welfare benefits. These changes risk worsening tensions with trade unions and triggering extended strikes.

 

Source : CIA

 

Company Name and address

 

Business  number

413178230

Branche  Unit  Number

2008860201

Company  name

ROSY  BLUE  NV

Address

HOVENIERSSTRAAT  53-BUS  127

 

2018 ANTWERPEN

Number  of  staff

22

Date  of  establishment

15/10/1973

Telephone  number

032061600

Fax  number

032061601

 

 

Ultimate holding company

 

Company  name

 

Company  Number

Rosy  Blue  Enterprises  S.A.

B96232

 

 

Commentary

 

The business  was  established  over  41  years  ago.

The business  has  20  employees.

The business  is  part  of  a  group.

The business  has  been  at  the  address  for  over  18  years. Operating  Result  in  the  latest  trading  period  decreased  26%  on  the  previous  trading  period. A  32% decline  in  Total  Assets  occurred  during  the  latest  trading  period. Pre-tax profits decreased  by  83%  compared  to  the  previous  trading  period.

 

 

Accounts

 

DATE  OF  LATEST 

ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

1,370,441,415

839,937

21,964,975

115,312,637

31/12/2012

1,394,587,107

4,966,125

22,005,643

123,952,107

31/12/2011

1,625,598,969

-3,775,408

21,416,659

138,490,079

Accounts

 

 

 

 

DATE  OF  LATEST 

ACCOUNTS

BALANCE  TOTAL

NUMBER  OF 

EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

212,548,496

22

21,220,034

1,630,555

31/12/2012

313,467,615

22

22,179,925

1,548,862

31/12/2011

302,422,069

26

22,618,900

1,092,749

 

 

PAYMENT EXPECTATIONS

 

Past  payments

 

Payment  expectation  days

6.21

Industry  average  payment

expectation  days

321.34

Industry  average  day  sales

outstanding

502.51

Day  sales  outstanding

17.32

 

 

 

 

COURT DATA SUMMARY

 

BANKRUPTCY  DETAILS

Court  action  type

no

 

PROTESTED BILLS

Bill  amount

-

 

NSSO DETAILS

Date  of  summons

-

 

 

Company information

 

Business  number

413178230

Company  name

ROSY  BLUE  NV

Fax  number

032061601

Date  founded

15/10/1973

Company  status

active

Company  type

Public  Limited  Liability Company  (BE)

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2013

Activity  code

46480

Liable  for  VAT

yes

Activity  description

Wholesale  of  Watches  and Jewellery

VAT  Number

BE.0413.178.230  Check  VAT

number

Belgian  Bullettin  of  Acts Publications

moniteur  belge

 

 

 

 

Contractor details

Registered  contractor number

-

Contractor  description

-

Date  struck  off  register

 

 

Personnel  (NSSO  classification)

Code

-

Description

-

 

Joint Industrial Committee (JIC)

Significant  Events

 

Event  Date

26/08/2014

Event  Description

 

Event  Details

Neerlegging  van  het  schriftelijk  besluit  van  de  aandeelhouders  overeenkomstig  artikel  556  van  het wetboek  van  vennootschappen.

 

 

Company accounts

 

Assets

 

 

 

 

 

 

 

 

 

Annual  accounts

31-12-2013

%

31-12-2012

%

31-12-2011

%

31-12-2010

%

31-12-2009

Weeks

52

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

5,362,853

-10.86

6,016,476

-6.58

6,440,244

-0.55

6,475,973

-3.31

6,697,483

Intangible  fixed  assets

146,641

132

63,081

-34.36

96,099

138

40,268

-64.37

113,019

Tangible  fixed  assets

5,018,646

-10.20

5,588,930

-6.10

5,951,777

-1.27

6,028,386

-1.67

6,130,850

Land  &  building

1,686,471

-3.86

1,754,247

-1.94

1,788,966

1.94

1,754,869

-7.48

1,896,749

Plant  &  machinery

649,546

-26.33

881,692

136

373,437

29.83

287,630

9.07

263,704

Furniture  &  Vehicles

276,545

254

77,997

-84.09

490,280

12.50

435,812

25.37

347,612

Leasing  &  Other  Similar

2,265,836

-16.95

2,728,404

-13.37

3,149,602

-7.51

3,405,322

-2.38

3,488,513

Rights

 

 

 

 

 

 

 

 

 

Other  tangible  assets

140,248

-4.33

146,590

-1.94

149,492

3.27

144,753

7.81

134,272

Financial  fixed  assets

197,566

-45.79

364,465

-7.11

392,368

-3.67

407,320

-10.21

453,615

Total  current  assets

207,185,643

-32.61

307,451,139

3.88

295,981,825

32.80

222,879,685

-3.93

232,007,504

Inventories

-

-

-

-

-

-

-

-

-

Raw  materials  &

-

-

-

-

-

-

-

-

-

consumables

 

 

 

 

 

 

 

 

 

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

0

-

0

-

0

-

0

-

0

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

65,033,742

-45.62

119,581,235

86.88

63,987,998

-7.51

69,185,668

-13.76

80,220,509

Other  amounts  receivable

113,186,933

-27.11

155,274,555

-16.40

185,727,889

44.55

128,489,713

13.06

113,643,504

Cash

12,195,740

-20.67

15,374,351

-37.88

24,751,036

375

5,200,175

-76.86

22,477,051

Miscellaneous  current assets

15,063,242

-2.22

15,404,970

-21.67

19,667,713

6.74

18,426,451

29.74

14,203,018

Total  Assets

212,548,496

-32.19

313,467,615

3.65

302,422,069

31.86

229,355,658

-3.92

238,704,987

 

 

LIABILITIES

 

Total  shareholders  equity

22,111,616

0.19

22,068,724

2.58

21,512,758

5.04

20,481,045

11.31

18,400,774

Issued  share  capital

21,220,034

-4.33

22,179,925

-1.94

22,618,900

3.27

21,901,908

7.81

20,315,746

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

-

-

-

-

-

-

-

-

-

Reserves

891,582

801

-111,201

10.05

-1,106,142

77.85

-1,420,863

74.20

-1,914,972

Provisions  for  Liabilities  & Charges

4,737,486

-13.85

5,499,331

-32.27

8,119,806

-26.79

11,091,102

54.82

7,163,972

Deffered  taxes

-

-

-

-

-

-

-

-

-

Creditors

185,699,394

-35.05

285,899,560

4.81

272,789,505

37.92

197,783,510

-7.20

213,140,241

Other  long  term  loans

93,826,388

-8.37

102,400,528

-11.19

115,297,759

8.44

106,321,344

-1.33

107,759,031

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-

0

-100

1

-

0

Total  long  term  debts

98,563,874

-8.65

107,899,859

-12.57

123,417,565

5.11

117,412,447

2.17

114,923,003

Current  portion  of  long  term

debt

828,358

68.15

492,629

-0.24

493,805

6.63

463,102

-50.80

941,357

Financial  debts

64,587,318

-47.15

122,197,334

0.42

121,690,309

46.90

82,841,671

-1.44

84,055,274

Trade  creditors

23,078,356

-58.78

55,983,468

88.00

29,778,739

595

4,282,829

-74.35

16,698,006

Amounts  Payable  for  Taxes, Remuneration  &  Social Security

157,329

-58.18

376,185

187

130,694

-4.81

137,293

14.02

120,415

Miscellaneous  current liabilities

3,221,645

-27.59

4,449,416

-17.58

5,398,199

44.44

3,737,271

4.80

3,566,158

Total  current  liabilities

91,873,006

-49.93

183,499,032

16.51

157,491,746

72.19

91,462,166

-13.21

105,381,210

Total  Liabilities

212,548,496

-32.19

313,467,615

3.65

302,422,069

31.86

229,355,658

-3.92

238,704,987

 

 

Ratio Analysis

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

0.06

-83.33

0.36

156

-0.23

85.19

-0.27

71.05

-0.38

Return  on  capital  employed

0.70

-81.68

3.82

146

-2.60

-9.70

-2.37

94.80

-2.50

Return  on  total  assets employed

0.40

-74.68

1.58

126

-1.25

88.03

-1.42

-1.43

-1.40

Return  on  net  assets employed

3.80

-83.11

22.50

128

-17.55

-10.17

-15.93

88.01

-18.10

Sales  /  net  working  capital

11.88

5.60

11.25

-4.17

11.74

29.58

9.06

32.46

6.84

Stock  turnover  ratio

-

-

-

-

-

-

-

-

-

Creditor  days

6.21

-58.15

14.84

120

6.73

409

1.32

-81.30

7.06

Debtor  days

17.32

-44.66

31.30

117

14.37

-32.22

21.20

-37.28

33.80

SHORT TERM STABILITY

 

 

 

 

 

 

 

 

 

Current  ratio

2.26

34.52

1.68

-10.64

1.88

-22.95

2.44

10.91

2.20

Liquidity  ratio  /  acid  ratio

2.26

34.52

1.68

-10.64

1.88

-22.95

2.44

10.91

2.20

Current  debt  ratio

4.15

-50.06

8.31

13.52

7.32

63.76

4.47

-21.99

5.73

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

1,630,555

5.27

1,548,862

41.74

1,092,749

-23.25

1,423,720

110

-1,288,152

Net  worth

21,964,975

-0.18

22,005,643

2.75

21,416,659

4.77

20,440,777

11.77

18,287,755

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Gearing

720.17

-29.39

1,019.95

-7.61

1,103.91

19.23

925.86

-11.62

1,047.54

Equity  in  percentage

10.41

47.87

7.04

-1.12

7.12

-20.27

8.93

15.82

7.71

Total  debt  ratio

8.61

-34.77

13.20

1.07

13.06

28.04

10.20

-14.79

11.97

Working  capital

115,312,637

-6.97

123,952,107

-10.50

138,490,079

5.38

131,417,519

3.78

126,626,294

 

 

PROFIT & LOSS

 

Operating  Income

1,393,761,932

-2.04

1,422,765,516

-13.91

1,652,567,005

36.12

1,214,093,121

37.66

881,947,310

Turnover

1,370,441,415

-1.73

1,394,587,107

-14.21

1,625,598,969

36.46

1,191,260,897

37.51

866,329,592

Total  operating

1,357,277,773

-1.41

1,376,636,312

-14.81

1,615,924,691

36.63

1,182,690,007

37.08

862,796,453

expenses

 

 

 

 

 

 

 

 

 

Gross  Operating Margin

-

-

-

-

 

-

-

-

-

Operating  Charges

1,380,598,290

-1.72

1,404,814,722

-14.49

1,642,892,727

36.28

1,205,522,231

37.24

878,414,171

Employee  costs

1,186,871

-2.20

1,213,584

-9.95

1,347,695

5.44

1,278,144

-14.66

1,497,649

Wages  and  salary

853,501

-3.95

888,621

-9.56

982,514

5.44

931,829

-15.72

1,105,679

Employee  pension costs

-

-

-

-

-

-

-

-

2,223

Social  security contributions

263,438

-3.72

273,605

-12.40

312,324

9.55

285,101

-14.97

335,309

Other  employee costs

69,933

36.17

51,358

-2.84

52,857

-13.65

61,214

12.45

54,438

Director remuneration

-

-

-

-

-

-

-

-

217,779

Amortization  and depreciation

632,584

9.94

575,389

-21.34

731,514

-6.23

780,098

-38.48

1,268,115

Operating  result

13,163,642

-26.67

17,950,795

85.55

9,674,278

12.87

8,570,890

142

3,533,139

Total  financial income

542,814

-20.66

684,156

-70.10

2,288,167

74.18

1,313,651

-83.94

8,177,743

Total  financial expenses

12,866,520

-5.87

13,668,826

-13.15

15,737,852

19.71

13,146,254

-12.60

15,041,595

Results  on  ordinary operations  before taxation

839,937

-83.09

4,966,125

131

-3,775,408

-15.75

-3,261,713

97.93

-3,330,713

Extraordinary Income

337,770

-6.37

360,758

-91.40

4,192,509

7.22

3,910,119

359

850,477

Extraordinary Charges

20,356

-99

4,080,150

7203

55,866

67.38

33,377

-32.58

49,509

Extraordinary  items

317,414

8.53

-3,719,392

-189

4,136,643

6.70

3,876,742

384

800,968

Results  for  the  Year

Before  Taxation

1,157,352

-7.17

1,246,733

245

361,235

-41.27

615,029

24.31

-2,529,745

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

159,381

-41.67

273,260

-

-

-

-28,593

-207

26,522

Results  on  ordinary operations  after taxation

680,556

-85.50

4,692,865

124

-3,775,408

-16.77

-3,233,120

96.30

-3,357,235

Net  result

997,971

2.52

973,473

169

361,235

-43.87

643,622

25.18

-2,556,267

Profit  (Loss)  for  the Year  to  be appropiated

997,971

2.52

973,473

169

361,235

-43.87

643,622

25.18

-2,556,267

Dividends

-

-

-

-

-

-

-

-

-

 

 

Social Balance Sheet Details

 

Social  Balance  Sheet

Total

During  the  reporting  year ended  31-12-2013

 

Full-time  Employees

20

Part-time  Employees

3

Total  Fte  Employees

22

Number  of  hours  worked

 

Full-time  Employees

34,339

Part-time  Employees

4,048

Total

38,388

Personnel  Charges

 

Full-time  Employees

964,333

Part-time  Employees

222,538

Total

1,186,871

Benefits  In  Addition  To  Wages

-

During  the  previous  reporting  year

 

Average  number  employees  in  Fte

24

Actual  working  hours

40,030

Personnel  Charges

1,161,063

Benefits  In  Addition  To  Wages

-

 

 

 

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration Contracts

20

3

22

Limited  Duration  Contracts

-

-

-

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding Substitution

-

-

-

 

 

Gender  and  Education Level

Men

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

12

-

12

Higher  education  (non university)

-

-

-

Higher  education (university)

-

1

1

 

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

7

1

8

Higher  education  (non university)

1

1

2

Higher  education (university)

-

-

-

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

17

3

19

Blue  collar  worker

3

-

3

Other

-

-

-

 

 

 

 

Temporary  personnel

 

Total

 

Average  number  of  temporary  staff

 

-

 

Actual  working  hours

 

-

 

Cost  of  temporary  staff

 

-

 

 

 

 

 

New  staff  and  leavers

Full-Time

Part-Time

Total  Fte

New  Starters

-

1

1

Leavers

-

1

1

 

 

Total  of  formal  continuing  vocational  training 

 initiatives for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

2

Number  of  training  hours

-

47

Net  costs  for  enterprise

-

1,170

 

 

 

Total  of  less  formal  and  informal  continuing  vocational

 

 

training  initiatives  for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

 

 

 

Total  of  initial  training  initiatives  at  the  expense  of  the

 

 

employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

 

 

Industry comparison

 

Activity  code

46480

Activity  description

Wholesale  of  watches  and  jewellery

industry  average  credit rating

61.07

Industry  average  credit  limit

7967.53

Payment  Information

 

 

 

Payment  Information  Summary

 

Total  number  of  Invoices  available

15

Total  number  of  Invoices  paid  within  or  up  to  30  days  after  the  due  date

14

Total  number  of  Invoices  paid  more  than  30  days  after  the  due  date

0

Total  number  of  Invoices  currently  outstanding  where  the  due  date  has  not  yet  been  reached

1

Total  number  of  Invoices  currently  outstanding  beyond  the  due  date

0

 

 

Suspension  of  payments  /  moratorium  history

Amount

-

Details

-

Payment  expectations

 

Payment  expectation  days

6.21

Day  sales  outstanding

17.32

Industry  comparison

 

Activity  code

46480

Activity  description

Wholesale  of  watches  and  jewellery

Industry  average  payment

expectation  days

321.34

Industry  average  day  sales outstanding

502.51

 

 

INDUSTRY QUARTILE ANALYSIS

 

Payment expectations

 

Company  result

6.21

Lower

127.92

Median

63.24

Upper

18.49

 

 

Day  sales  outstanding

 

Company  result

17.32

Lower

118.84

Median

55.15

Upper

21.56

 

 

Shareholder Details

 

Summary

 

Group  -  Number  of  Companies

2

Linkages  -  Number  of  Companies

1

Number  of  Countries

1

 

 

Group Structure

 

Company  name

 

Number

Latest

 

 

 

financials

- ROSY  BLUE  ENTERPRISES  S.A.

 

B96232

31-12-2013

- - ROSY  BLUE  NV

 

413178230

31-12-2013

 

 

Minority Shareholders

No  minority  shareholders  found

 

Companies  that  match  this  address

No  Companies  Match  this  address

 

 

Linked Companies

 

Summary

 

Group  -  Number  of  Companies

2

Linkages  -  Number  of  Companies

1

Number  of  Countries

1

 

 

Linked Companies

 

NAME

 

NUMBER

LATEST  KEY

TURNOVER

 

 

 

FINANCIALS

 

SPORTS  CLUB  OF  INDIA  NV

 

447811485

14.11.2014

-

 

 

Summons

there  is  no  data  for  this  company

 

Protested  Bills

there  is  no  data  for  this  company

 

Bankruptcy  and  other  legal  events

there  is  no  data  for  this  company

 

 

Director details

 

CURRENT DIRECTOR DETAILS

 

Name

AMIT  BHANUCHANDRA  BHANSALI

Position

Managing  Director

Start  Date

01/01/2009

Date  of  birth

09/12/1962

Street

11 BERKENLAAN  ANTWERPEN

Post  code

2610

Country

Belgium

 

 

Position

Director

Start  Date

09/06/2010

Date  of  birth

09/12/1962

Street

11 BERKENLAAN  ANTWERPEN

Post  code

2610

Country

Belgium

 

 

Name

RAJKUMAR  MEHTA

Position

Director

Start  Date

10/07/2013

Date  of  birth

21/01/1971

Street

15 AHORNENLAAN  ANTWERPEN

Post  code

2610

Country

Belgium

 

 

Name

RAJESH  MEHTA

Position

Director

Start  Date

09/06/2010

Street

 

Post  code

 

Country

 

 

 

FORMER DIRECTOR DETAILS

 

Name

DILIP  (DILIPKUMAR)  RAMNIKLAL  MEHTA

Position

Managing  Director

Start  Date

09/06/2010

End  Date

01/01/2012

Date  of  birth

13/11/1949

Street

50 KASTEELLEI  BRASSCHAAT

Post  code

2930

Country

Belgium

 

 

Position

Director

Start  Date

09/06/2010

End  Date

01/01/2012

Date  of  birth

13/11/1949

Street

50 KASTEELLEI  BRASSCHAAT

Post  code

2930

Country

Belgium

 

 


DIAMOND INDUSTRY – INDIA

 

-            From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-            The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-            The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-            Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-            Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-            Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-            Excerpts from Times of India dated 30th October 2010 is as under –

 

-            Gem & Jewellery Export Promotion Council in its statistical data has shown the export of polished diamonds to have increase by 28 % in February 2013. Compared to $ 1.4 bn worth of polished diamond export in February, 2012, India exported $ 1.84 billion worth of polished diamonds in February 2013. A senior executive of GJEPC said, “Export of cut and polished diamonds started falling month-wise after the imposition of 2 % of import duty on the polished diamonds. But February, 2013 has given a new ray of hope to the industry as the export of polished diamonds has actually increased by 28 %. It means the industry  is on the track of recovery and round tripping of diamonds has stopped completely.” Demand has started coming from the US, the UK, Japan and China. India’s polished diamond export is expected to cross $ 21 bn in 2013-14.

 

-            The banking sector has started exercising restraint while following prudent risk management norms when lending money to gems and jewellery sector. This follows the implementation of Basel III accord – a global voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity.


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.37

UK Pound

1

Rs.98.86

Euro

1

Rs.69.97

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

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.