MIRA INFORM REPORT

 

 

Report No. :

331942

Report Date :

14.07.2015

 

IDENTIFICATION DETAILS

 

Name :

ARJAV DIAMONDS NV

 

 

Registered Office :

Schupstraat 18, 2018 Antwerpen

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

22.07.1981

 

 

Com. Reg. No.:

421848545

 

 

Legal Form :

Public Limited Liability Company (BE)

 

 

Line of Business :

Wholesale of watches and jewellery

 

 

No of Employees :

8

 

 

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 – 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 Risk

 

A2

Moderate Low Risk

 

B1

Moderate Risk

B2

Moderate High Risk

 

C1

High Risk

C2

Very High Risk

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 summary

 

Business number                                 421848545

Branche Unit Number                           2021425065

Company name                                    ARJAV DIAMONDS NV

Address                                               SCHUPSTRAAT 18

2018 ANTWERPEN

Number of staff                                    8

Date of establishment                           22/07/1981

Telephone number                               032338090

Fax number                                          032261321

 

Ultimate holding company

 

Company name                                    Company Number

Arjav Diamonds                                    NV 421848545

 

 

Commentary

 

The business was established over 33 years ago.

The business has 5 employees.

The business is part of a group.

This business has a foreign parent business.

The business has been at the address for over 24 years.

The credit rating for this business has increased from 72 to 79.

The credit limit for this business has increased from €18800000 to €20600000.

Operating Result in the latest trading period decreased 427% on the previous trading period.

Net Worth increased by 28% during the latest trading period.

A 30% decline in Total Assets occurred during the latest trading period.

The business saw a decrease in their Cash Balance of 46% during the latest trading period.

Turnover in the latest trading period decreased 33% on the previous trading period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

584,534,677

-28,014,777

99,837,062

155,572,203

31/12/2012

882,330,871

-54,839,353

77,605,662

2,908,682

31/12/2011

724,050,707

604,762

102,342,866

117,883,760

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

459,078,925

8

47,260,693

43,600,809

31/12/2012

657,089,429

9

65,178,173

-54,757,447

31/12/2011

543,372,695

8

50,376,210

432,074

 

 

Trends

Profitability

Liquidity

Net worth

 

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

37.97

Industry  average  payment expectation  days

319.26

Industry  average  day  sales outstanding

504.20

Day  sales  outstanding

163.56

 

 

 

 

Court data summary

 

BANKRUPTCY DETAILS

Court action type                                  no

 

PROTESTED BILLS

Bill amount                                          -

 

NSSO DETAILS

Date of summons                                

 

 

Company information

 

Business  number

421848545

Company  name

ARJAV  DIAMONDS  NV

Fax  number

032261321

Date  founded

22/07/1981

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.0421.848.545  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)

JIC Code                                                          218

Description category                                        Additional national joint committee for the employees

 

JIC Code                                                          324

Description category                                        Joint committee for the industry and the trade in diamant

 

Significant Events

Event Date                                                        03/06/2014

Event Description                                             re-appointment of director(s)

Event Details                                                    Commentaar 03-06-2014: Wordt herbenoemd als bestuurder en gedelegeerd bestuurder voor 6 jaar: Ashit Mehta.

 

 

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

54,842,609

-26.73

74,849,480

64.44

45,518,206

-22.77

58,938,079

42.87

41,252,763

Intangible  fixed  assets

0

-

0

-

0

-

0

-

0

Tangible  fixed  assets

1,093,788

-28.20

1,523,399

25.81

1,210,878

-24.88

1,611,998

38.40

1,164,734

Land  &  building

933,997

-28.46

1,305,524

27.68

1,022,511

-23.72

1,340,385

42.21

942,534

Plant  &  machinery

123,829

-33.98

187,576

16.46

161,058

-31.37

234,674

29.39

181,375

Furniture  &  Vehicles

35,962

18.69

30,299

10.95

27,308

-26.07

36,939

-9.52

40,825

Leasing  &  Other  Similar

-

-

-

-

-

-

-

-

-

Rights

 

 

 

 

 

 

 

 

 

Other  tangible  assets

0

-

0

-100

1

-

0

-

0

Financial  fixed  assets

53,748,821

-26.70

73,326,081

65.49

44,307,328

-22.71

57,326,081

43.00

40,088,029

Total  current  assets

404,236,316

-30.57

582,239,949

16.95

497,854,489

-14.67

583,446,224

56.31

373,251,945

Inventories

137,988,669

-8.06

150,083,921

-14.12

174,756,599

-25.66

235,073,078

13.00

208,028,410

Raw  materials  &

-

-

-

-

-

-

-

-

-

consumables

 

 

 

 

 

 

 

 

 

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

137,988,669

-8.06

150,083,921

-14.12

174,756,599

-25.66

235,073,078

13.00

208,028,410

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

261,938,313

-38.21

423,942,679

45.99

290,391,312

-4.17

303,014,811

91.64

158,117,727

Other  amounts  receivable

100,577

-63.47

275,307

142

113,524

-99

22,120,465

23320

94,450

Cash

4,154,850

-46.87

7,820,135

-75.97

32,546,748

40.43

23,176,329

246

6,683,444

 

 

 

 

 

 

 

 

 

 

Miscellaneous  current assets

53,907

-54.28

117,907

154

46,306

-24.76

61,541

-81.23

327,914

 

 

 

 

 

 

 

 

 

 

Total  Assets

459,078,925

-30.13

657,089,429

20.93

543,372,695

-15.41

642,384,303

54.98

414,504,708

 

 

Liabilities

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

99,837,062

28.65

77,605,662

-24.17

102,342,866

-22.41

131,910,265

166

49,515,705

Issued  share  capital

47,260,693

-27.49

65,178,173

29.38

50,376,210

-22.71

65,178,173

1713

3,594,456

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

-

-

-

-

-

-

-

-

-

Reserves

52,576,369

323

12,427,489

-76.09

51,966,656

-22.13

66,732,092

45.32

45,921,249

Provisions  for  Liabilities  &

0

-

0

-

0

-

0

-

0

Charges

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deffered  taxes

-

-

-

-

-

-

-

-

-

Creditors

359,241,863

-38.01

579,483,767

31.39

441,029,829

-

-

-

364,989,003

Other  long  term  loans

110,577,750

72410

152,500

-99

61,059,100

-48.69

119,000,000

23.33

96,487,575

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-

0

-100

510,474,038

-

0

Total  long  term  debts

110,577,750

72410

152,500

-99

61,059,100

-90.30

629,474,038

552

96,487,575

 

 

 

 

 

 

 

 

 

 

Current  portion  of  long  term

-

-

-

-

-

-

-

-

-

debt

 

 

 

 

 

 

 

 

 

Financial  debts

178,258,459

-56.45

409,309,442

23.47

331,517,683

-3.50

343,536,317

43.69

239,088,169

Trade  creditors

62,715,192

480

10,810,255

-76.00

45,043,827

6.54

42,277,751

98.74

21,273,034

Amounts  Payable  for  Taxes, Remuneration  &  Social Security

1,429,206

1639

82,141

-86.34

601,195

-20.56

756,760

109

360,877

 

 

 

 

 

 

 

 

 

 

Miscellaneous  current

6,261,256

-96.07

159,129,429

5566

2,808,024

0.56

-505,570,828

-6598

7,779,348

liabilities

 

 

 

 

 

 

 

 

 

Total  current  liabilities

248,664,113

-57.08

579,331,267

52.47

379,970,729

319

-119,000,000

-144

268,501,429

Total  Liabilities

459,078,925

-30.13

657,089,429

20.93

543,372,695

-15.41

642,384,303

54.98

414,504,708

 

 

RATIO ANALYSIS

 

TRADING  PERFORMANCE

 

Profit  Before  Tax

-4.79

77.01

-6.22

-7875

0.08

-33.33

0.12

-25.00

0.16

Return  on  capital  employed

-13.31

18.87

-70.53

-19162

0.37

184

0.13

-63.89

0.36

 

 

 

 

 

 

 

 

 

 

Return  on  total  assets employed

 

-6.10

73.05

-8.35

-7690

0.11

-26.67

0.15

15.38

0.13

 

 

 

 

 

 

 

 

 

 

Return  on  net  assets employed

 

-28.06

39.71

-70.66

-12076

0.59

-21.33

0.75

-29.25

1.06

 

 

 

 

 

 

 

 

 

 

Sales  /  net  working  capital

3.76

-98.76

303.34

4840

6.14

420

1.18

-61.94

3.10

Stock  turnover  ratio

23.61

38.80

17.01

-29.54

24.14

-15.18

28.46

-55.52

63.98

Creditor  days

37.97

743

4.50

-80.58

23.17

21.25

19.11

-24.76

25.40

Debtor  days

163.56

-6.74

175.38

19.80

146.39

9.33

133.90

-24.56

177.50

 

SHORT  TERM  STABILITY

 

Current  ratio

1.63

61.39

1.01

-22.90

1.31

26.73

-4.90

-452

1.39

Liquidity  ratio  /  acid  ratio

1.07

42.67

0.75

-11.76

0.85

29.01

-2.93

-572

0.62

Current  debt  ratio

2.49

-66.67

7.47

101

3.71

412

-0.90

-116

5.42

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

43,600,809

79.63

-54,757,447

-12773

432,074

-32.89

643,858

146

261,148

Net  worth

99,837,062

28.65

77,605,662

-24.17

102,342,866

-22.41

131,910,265

166

49,515,705

 

LONG  TERM  STABILITY

 

Gearing

289.31

-45.17

527.62

37.55

383.59

9.40

350.64

-48.26

677.72

Equity  in  percentage

21.75

84.17

11.81

-37.28

18.83

-8.28

20.53

71.80

11.95

Total  debt  ratio

3.60

-51.81

7.47

73.32

4.31

11.37

3.87

-47.49

7.37

Working  capital

155,572,203

5248

2,908,682

-97.53

117,883,760

-83.22

702,446,224

570

104,750,516

 

 

PROFIT  &  LOSS

 

Operating  Income

584,572,121

-33.75

882,341,162

21.85

724,095,536

-12.36

826,261,766

154

325,233,465

Turnover

584,534,677

-33.75

882,330,871

21.86

724,050,707

-12.34

826,021,237

154

325,149,144

Total  operating  expenses

602,800,773

-31.25

876,750,349

23.54

709,686,565

-12.11

807,479,710

164

305,664,890

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

602,838,217

-31.24

876,760,640

23.53

709,731,393

-12.13

807,720,239

164

305,749,211

Employee  costs

453,215

-22.43

584,302

34.63

433,995

-14.20

505,837

19.08

424,784

Wages  and  salary

341,118

-

-

-

324,354

-

-

-

333,076

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security

103,170

-

-

-

93,111

-

-

-

94,421

contributions

 

 

 

 

 

 

 

 

 

Other  employee  costs

8,927

-

0

-100

16,530

-

0

0

-2,713

Director  remuneration

193,128

-

-

-

214,702

-

-

-

99,653

Amortization  and depreciation

35,613

-30.17

51,001

19.57

42,652

-35.30

65,918

35.60

48,614

 

 

 

 

 

 

 

 

 

 

Operating  result

-18,266,096

-427

5,580,522

-61.15

14,364,142

-22.53

18,541,527

-4.84

19,484,254

Total  financial  income

105,527

95.50

53,977

-90.12

546,535

-1.31

553,796

-11.45

625,436

Total  financial  expenses

9,854,208

-83.71

60,473,852

322

14,305,915

-21.01

18,110,116

-7.52

19,582,688

 

 

 

 

 

 

 

 

 

 

Results  on  ordinary operations  before  taxation

-28,014,777

51.09

-54,839,353

-9167

604,762

-38.62

985,207

86.95

527,001

 

 

 

 

 

 

 

 

 

 

Extraordinary  Income

72,957,664

-

-

-

30,896

-

-

-

4,551

Extraordinary  Charges

-

-

-

-

-

-

-

-

-

 

 

 

 

 

 

 

 

 

 

Extraordinary  items

72,957,664

-

0

-100

30,896

-

0

-100

4,551

 

 

 

 

 

 

 

 

 

 

Results  for  the  Year  Before Taxation

44,942,886

81.95

-54,839,353

-8727

635,658

-35.48

985,207

85.35

531,553

 

 

 

 

 

 

 

 

 

 

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

1,377,690

4457

-30,905

-112

246,236

-39.54

407,267

27.66

319,018

Results  on  ordinary operations  after  taxation

-29,392,467

53.63

-54,808,448

-15387

358,526

-37.96

577,940

177

207,983

 

 

 

 

 

 

 

 

 

 

Net  result

43,565,196

79.49

-54,808,448

-14174

389,422

-32.62

577,940

171

212,534

 

 

 

 

 

 

 

 

 

 

Profit  (Loss)  for  the  Year  to be  appropriated

43,565,196

79.49

-54,808,448

-14174

389,422

-32.62

577,940

171

212,534

 

 

 

 

 

 

 

 

 

 

Dividends

-

-

-

-

-

-

-

-

-

 

 

Social Balance Sheet Details

 

Social Balance Sheet Details

 

Social  Balance  Sheet

Total

During  the  reporting  year ended  31-12-2013

 

Full-time  Employees

8

Part-time  Employees

2

Total  Fte  Employees

9

 

 

Number  of  hours  worked

 

Full-time  Employees

13,182

Part-time  Employees

2,484

Total

15,666

 

 

Personnel  Charges

 

Full-time  Employees

416,445

Part-time  Employees

36,770

Total

453,215

Benefits  In  Addition  To  Wages

-

 

 

During  the  previous  reporting  year

 

Average  number  employees  in  Fte

9

Actual  working  hours

14,580

Personnel  Charges

423,677

Benefits  In  Addition  To  Wages

-

 

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

7

2

8

Contracts

 

 

 

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

4

-

4

Higher  education  (non university)

-

-

-

Higher  education (university)

-

-

-

 

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

2

2

3

Higher  education  (non university)

1

-

1

Higher  education (university)

-

-

-

 

 

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

6

1

7

Blue  collar  worker

1

1

2

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

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

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

 

 

Payment Information

 

Suspension of payments / moratorium history

Amount                                     -

Details                                     

 

Payment expectations

Payment expectation days        37.97

Day sales outstanding 163.56

 

Industry comparison

Activity code                                                    46480

Activity description                                          Wholesale of watches and jewellery

Industry average payment expectation days     319.26

Industry average day sales outstanding           504.20

 

Industry quartile analysis

Payment expectations

Company result                                                37.97

Lower                                                               127.92

Median                                                            63.03

Upper                                                               19.14

 

Day sales outstanding

Company result                                                163.56

Lower                                                               123.34

Median                                                             55.17

Upper                                                               21.01

 

 

Shareholder Details

 

Group - Number of Companies                                     3

Linkages - Number of Companies                                1

Number of Countries                                                    1

 

Group Structure

 

Company  name

Number

Latest

 

 

financials

- ARJAV  DIAMONDS  NV

421848545

31-12-2013

- - LUMINIS  STAR  NV

881553816

31-12-2013

- - ARJAV  DIAMONDS  INDIA  PVT  LTD  SOC.ETR.  E...

 

 

 

 

Minority Shareholders

No minority shareholders found

 

 

Minority Interests

 

Business

Company  name

%

Date  of

number

 

 

accounts

887714306

Arjav  Traders  NV

50

31/12/2013

 

 

Individual Shareholders

 

SHAREHOLDER NAME

 

Forename

Arjav

Middle  name

-

Surname

Mehta

 

 

 

 

SHAREHOLDER DETAILS

 

Start  date

28/10/2010

End  date

-

Percentage  owned

46.09%

 

 

 

 

SHAREHOLDER ADDRESS

 

Street  name

Della  Faillelaan

House  number

19

Minor  town

-

Postal  town

Antwerpen

Post  code

2020

Country

Belgium

 

 

SHAREHOLDER NAME

 

Forename

Ashit

Middle  name

-

Surname

Metha

 

 

 

 

SHAREHOLDER DETAILS

 

Start  date

28/10/2010

End  date

-

Percentage  owned

49.50%

 

 

 

 

SHAREHOLDER ADDRESS

 

Street  name

Della  Faillelaan

House  number

19

Minor  town

Wilrijk

Postal  town

Antwerpen

Post  code

2610

Country

Belgium

 

 

 

Linked Companies

 

Summary

 

Group - Number of Companies                         3

Linkages - Number of Companies                    1

Number of Countries                                        1

 

Linked Companies

 

NAME                                       NUMBER          LATEST KEY FINANCIALS       TURNOVER

ARJAV TRADERS NV               887714306        31.12.2013                                €10.483.162

 

 

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

ARJAV  AKSHAY  MEHTA

Position

Managing  Director

Start  Date

01/04/2008

Street

19 DELLA  FAILLELAAN  ANTWERPEN

Post  code

2020

Country

Belgium

 

 

Position

Director

Start  Date

01/04/2008

Street

19 DELLA  FAILLELAAN  ANTWERPEN

Post  code

2020

Country

Belgium

 

 

Name

ASHIT  VASANTIAL  METHA

Position

Managing  Director

Start  Date

06/11/2007

Street

19 DELLA  FAILLELAAN  ANTWERPEN

Post  code

2610

Country

Belgium

 

 

Position

Director

Start  Date

08/10/2002

Street

19 DELLA  FAILLELAAN  ANTWERPEN

Post  code

2610

Country

Belgium

 

 

Former  director  details

 

 

 

Name

ANISH  MEHTA

Position

Managing  Director

Start  Date

03/06/2008

End  Date

03/06/2014

Street

19 DELLA  FAILLELAAN  ANTWERPEN

Post  code

2600

Country

Belgium

 

 

Name

MEETA  ASHIT  PARIKH

Position

Director

Start  Date

17/09/1999

End  Date

Unknown  date

Street

19 DELLA  FAILLELAAN  ANTWERPEN

Post  code

2000

Country

Belgium

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs. 63.47

UK Pound

1

Rs. 98.47

Euro

1

Rs. 70.69

 

INFORMATION DETAILS

 

Analysis Done by :

KRN

 

 

Report Prepared by :

ASH

 

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.