MIRA INFORM REPORT

 

 

Report No. :

333260

Report Date :

25.07.2015

 

IDENTIFICATION DETAILS

 

Name :

TRANSTADIO S.P.A.

 

 

Registered Office :

Via Nicolo' Machiavelli, 13

20831 – Seregno (MB)

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

07.06.1960

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Subject is engaged in manufacture of wood and of wooden and cork products (except furniture); manufacture of articles in straw and plaiting materials

 

 

No. of Employee :

From 1 to 5

 

 

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

 

 

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

 

TRANSTADIO S.P.A.

 

 

Via Nicolo' Machiavelli, 13

20831 – Seregno (MB) -IT-

 

 

Summary

 

Fiscal Code

:

00686100157

Legal Form

:

Joint stock company

start of Activities

:

07/06/1960

Equity

:

2.500.000

Turnover Range

:

25.000/35.000

Number of Employees

:

from 1 to 5

 


Activity

 

MANUFACTURE OF WOOD AND OF WOODEN AND CORK PRODUCTS (EXCEPT FURNITUR

E); MANUFACTURE OF ARTICLES IN STRAW AND PLAITING MATERIALS

Manufacture of products in wood, cork, straw and plaiting materials



Legal Data

 

Legal Form : Joint stock company

Fiscal Code : 00686100157

 

Foreign Trade Reg. no. : MB003387 since 12/12/1991

 

Foreign Trade Reg. no. : 34740 of Milano since 12/12/1991

 

Chamber of Commerce no. : 566595 of Monza e Brianza since 20/07/2007

 

Firms' Register : MI149-3376 of Milano since 19/02/1996

 

V.A.T. Code : 00688190966

 

Foundation date

: 07/06/1960

Establishment date

: 07/06/1960

Start of Activities

: 07/06/1960

Legal duration

: 31/12/1985

Nominal Capital

: 109.200

Subscribed Capital

: 109.200

Paid up Capital

: 109.200

 

Legal mail :

TSSPA@LEGALMAIL.IT

Members

 

Colombo

Sergio

 

Born in Seregno

(MB)

on 31/05/1939

- Fiscal Code : CLMSRG39E31I625C

 

Residence:

Regina Margherita

, 11

- 20052

Monza

(MB)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

Sole Director

27/06/2014

 

No Prejudicial events are reported

 

No Protests registered



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.

 

Colombo

Sergio

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

La Solidale S.r.l.

Monza (MB) - IT -

04040120158

Director

Active

Registered

La Solidale S.r.l.

Monza (MB) - IT -

04040120158

Managing Director

Active

Registered

Vero Legno Soc.coop.consortile Per Azioni

Mariano Comense (CO) - IT -

02633270968

Director

Active

Registered

Vero Legno Soc.coop.consortile Per Azioni

Mariano Comense (CO) - IT -

02633270968

Board Chairman

Withdrawn

Registered

Confidi Province Lombarde - Societa' Cooperativa Di Garanzia Coll Ettiva Dei Fid

Milano (MI) - IT -

80149870158

Director

Withdrawn

Merged

I Rododendri S.r.l.

Seregno (MB) - IT -

02082860137

Director

Withdrawn

Registered

Praevidentia S.r.l.

Monza (MB) - IT -

03574550152

Director

Withdrawn

Registered

Cricar Di Daelli Annamaria Societa' Semplice

Monza (MB) - IT -

08140350151

Partner

Active

Registered

Federlegno Arredo Eventi S.p.a.

Milano (MI) - IT -

06987590152

Director

Active

Registered

Confidi Province Lombarde - Societa' CooPerativa Di Garanzia Coll Ettiva Dei Fid

Milano (MI) - IT -

05275090966

Director

Withdrawn

Registered

Associazione Cancro Primo Aiuto Onlus

Monza (MB) - IT -

02822170961

Director

Active

Registered

Immobiliare Dar Srl

Seregno (MB) - IT -

05523820966

Director

Active

Registered

Immobiliare Dar Srl

Seregno (MB) - IT -

05523820966

Board Chairman

Active

Registered

Start Up Trading S.r.l.

Lissone (MB) - IT -

08895370966

Director

Active

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

Colombo Sergio

Monza - IT -

CLMSRG39E31I625C

72.803 .Eur

66,67

Brugola Angelo

Macherio - IT -

BRGNGL63C11F704W

4.553 .Eur

4,17

Lepri Liliana

LPRLLN39C41F839Y

4.553 .Eur

4,17

Brugola Grazia

BRGGRZ60L59F704R

4.553 .Eur

4,17

Brugola Valeria

BRGVLR71E44F704P

4.553 .Eur

4,17

Brugola Giampaolo

Lissone - IT -

BRGGPL37L29E617A

18.185 .Eur

16,67



Direct Participations

 

The Company under review has no participations in other Companies.

 

 

Firm's location and structure

 

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

 

-

Legal and operative seat

since 07/06/1960

 

Nicolo' Machiavelli

, 13

- 20038

- Seregno

(MB)

- IT -

 

PHONE

: 0362239158

 

PHONE

: 03622391

 

FAX

: 036223915

 

FAX

: 0362224072

 

Legal mail

: TSSPA@LEGALMAIL.IT

Employees

: 1

 

Fittings and Equipment for a value of 13.000

Eur

 

Stocks for a value of 32.000

Eur

 

Vehicles: 1.

 

The firm operates abroad as importer / exporter..

Export represents from 20% to 50% of the global turnover.

Products abroad are placed by :

- its own foreign branches

 

- direct orders from foreign companies

 

Export is mainly towards:

- Italy

 

- France

 

- Greece

 

 

Historical Information and/or Firm's Status

 

CHANGES TO THE LEGAL FORM:

 

Former legal form

New legal form

Changement Date

General partnership

Joint stock company

28/04/1995

 

 

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 1960.

The eonomic-financial analysis is based on the latest 3 b/s.

Under the financial profile unstable results are noted. with a loss in the last financial year. The turnover is falling if compared with the previous financial year (eamp;FAT1eamp;%).

A loss is registered as to the operating result (-4,02%).

the operating loss amounts to Eur. -174.080.

With regard to GOM, subject closed 2013 financial account with a negative result (Eur. -68.633).

Very good financial situation: shareholder's equity covers short-terms debts with an indebtedness level equal to 0,83 increasing compared to last year (0,81)

With regard to equity capital, an amount of Eur. 2.105.961 is registered. , unchanged if compared to 2012.

Total debts (both short and M/L term) equals Eur. 1.753.083, showing a stable trend as opposed to 2012 (Eur. 1.946.365).

The recourse to financial credit is within the limits; on the other hand the recourse to suppliers' credit is rated as fairly high besides being higher than sector's average.

Even liquidity is rather modest.

Trade credits are collected slowly, average term is 5139,92 days. and higher than the average of the sector.

A negative cash flow marked the year 2013 totalling Eur. -107.760.

Labour cost expenses amount to Eur. 80 , representing 0,02% on the total of production costs. , with a 0,27% incidence on turnover.

Financial charges have a high incidence (-135,24%) on turnover figures.



Financial Data

 

Complete balance-sheet for the year

al 31/12/2013

(in Eur

x 1)

 

Item Type

Value

Sales

29.973

Profit (Loss) for the period

-213.207

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

55.764

Profit (Loss) for the period

-119.014

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

3.224.066

Profit (Loss) for the period

76.630

 

Complete balance-sheet for the year

al 31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

5.469.217

Profit (Loss) for the period

-709.212

 

Complete balance-sheet for the year

al 31/12/2009

(in Eur

x 1)

 

Item Type

Value

Sales

7.634.239

Profit (Loss) for the period

11.953



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

11.136

13.888

16.639

. Total Intangible Fixed Assets

11.136

13.888

16.639

. TANGIBLE FIXED ASSETS

. . Real estate

3.307.741

3.395.330

3.482.919

. . Plant and machinery

. . Industrial and commercial equipment

. . Other assets

42.123

55.080

68.071

. . Assets under construction and advances

. Total Tangible fixed assets

3.349.864

3.450.410

3.550.990

. FINANCIAL FIXED ASSETS

. . Equity investments

908

258

258

. . . Equity invest. in subsidiary companies

. . . Equity invest. in associated companies

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

908

258

258

. . 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

908

258

258

Total fixed assets

3.361.908

3.464.556

3.567.887

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

. . Work in progress and semimanufactured

. . Work in progress on order

. . Finished goods

32.171

65.115

109.635

. . Advance payments

. Total Inventories

32.171

65.115

109.635

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

934.106

1.216.720

2.077.834

. . Beyond 12 months

190.043

. . Trade receivables

427.941

631.629

1.599.073

. . . . Within 12 months

427.941

631.629

1.415.618

. . . . Beyond 12 months

183.455

. . Receivables due from subsid. comp.

. . . . 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

. . Fiscal Receivables

13.873

25.501

84.380

. . . . Within 12 months

13.873

25.501

77.792

. . . . Beyond 12 months

6.588

. . Receivables for anticipated taxes

432.292

439.458

404.854

. . . . Within 12 months

432.292

439.458

404.854

. . . . Beyond 12 months

. . Receivables due from third parties

60.000

120.132

179.570

. . . . Within 12 months

60.000

120.132

179.570

. . . . Beyond 12 months

. Total Credits not held as fixed assets

934.106

1.216.720

2.267.877

. 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

638

3.382

1.668

. . Checks

. . Banknotes and coins

182

182

767

. Total Liquid funds

820

3.564

2.435

Total current assets

967.097

1.285.399

2.379.947

ADJUSTMENT ACCOUNTS

. Discount on loans

75

50

1.519

. Other adjustment accounts

Total adjustments accounts

75

50

1.519

TOTAL ASSETS

4.329.080

4.750.005

5.949.353

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

109.200

109.200

109.200

. Additional paid-in capital

. Revaluation reserves

1.825.573

1.825.573

1.825.573

. Legal reserve

45.118

45.118

45.118

. Reserve for Own shares

. Statute reserves

. Other reserves

-2

-1

-1

. Accumulated Profits (Losses)

552.486

671.501

633.186

. Profit( loss) of the year

-426.414

-238.030

76.630

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

2.105.961

2.413.361

2.689.706

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

. . Taxation fund, also differed

250.020

263.241

272.332

. . Other funds

Total Reserves for Risks and Charges

250.020

263.241

272.332

Employee termination indemnities

158.591

ACCOUNTS PAYABLE

. . . . Within 12 months

1.753.083

1.946.365

1.049.431

. . . . Beyond 12 months

1.766.831

. . Bonds

. . . . Within 12 months

. . . . Beyond 12 months

. . Convertible bonds repayable

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to shareholders for financing

60.066

43.600

43.600

. . . . Within 12 months

60.066

43.600

. . . . Beyond 12 months

43.600

. . Due to banks

2.173

18.799

62.682

. . . . Within 12 months

2.173

18.799

62.682

. . . . Beyond 12 months

. . Due to other providers of finance

1.534.492

1.723.159

1.909.111

. . . . Within 12 months

1.534.492

1.723.159

185.880

. . . . Beyond 12 months

1.723.231

. . Advances from customers

. . . . Within 12 months

. . . . Beyond 12 months

. . Trade payables

150.493

159.172

777.183

. . . . Within 12 months

150.493

159.172

777.183

. . . . 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

5.858

1.574

8.047

. . . . Within 12 months

5.858

1.574

8.047

. . . . Beyond 12 months

. . Due to social security and welfare inst.

1

61

8.937

. . . . Within 12 months

1

61

8.937

. . . . Beyond 12 months

. . Other payables

6.702

. . . . Within 12 months

6.702

. . . . Beyond 12 months

Total accounts payable

1.753.083

1.946.365

2.816.262

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

6.809

8.023

12.462

Total adjustment accounts

6.809

8.023

12.462

TOTAL LIABILITIES

4.115.873

4.630.990

5.949.353

 

MEMORANDUM ACCOUNTS

 

Third party goods

Investment accounts

Risk accounts

112.040

Civil and fiscal norms relation

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

. Revenues from sales and services

29.973

55.764

3.262.381

. Changes in work in progress

-32.944

-44.520

-1.444.234

. Changes in semi-manufact. products

. Capitalization of internal work

. Other income and revenues

231.019

122.146

80.434

. . Contributions for operating expenses

. . Different income and revenues

231.019

122.146

80.434

Total value of production

228.048

133.390

1.898.581

PRODUCTION COSTS

. Raw material,other materials and consum.

82

252

792.491

. Services received

. Leases and rentals

35.325

45.912

185.374

. Payroll and related costs

80

33.702

428.550

. . Wages and salaries

23.292

297.971

. . Social security contributions

80

7.007

97.514

. . Employee termination indemnities

3.403

33.065

. . Pension and similar

. . Other costs

. Amortization and depreciation

105.447

106.505

111.950

. . Amortization of intangible fixed assets

2.751

2.751

2.751

. . Amortization of tangible fixed assets

100.546

100.580

101.163

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

2.150

3.174

8.036

. Changes in raw materials

. Provisions to risk reserves

. Other provisions

. Other operating costs

261.194

70.516

82.055

Total production costs

402.128

256.887

1.600.420

Diff. between value and cost of product.

-174.080

-123.497

298.161

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

225

13.158

1.853

. . 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

225

13.158

1.853

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

225

13.158

1.853

. Interest and other financial expense

-40.759

-59.655

-158.074

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

40.759

59.655

158.074

Total financial income and expense

-40.534

-46.497

-156.221

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

7.285

2

. . Gains on disposals

. . Other extraordinary income

7.285

2

. Extraordinary expense

. . Losses on disposals

. . Taxes relating to prior years

. . Other extraordinary expense

Total extraordinary income and expense

-1

7.285

2

Results before income taxes

-214.615

-162.709

141.942

. Taxes on current income

-1.408

-43.695

65.312

. . current taxes

4.647

35.541

. . differed taxes(anticip.)

-6.055

-43.695

29.771

. Net income for the period

-213.207

-119.014

76.630

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

-213.207

-119.014

76.630

 

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

0,78

0,73

0,60

0,32

Elasticity Ratio

Units

0,22

0,27

0,40

0,65

Availability of stock

Units

0,01

0,01

0,02

0,24

Total Liquidity Ratio

Units

0,22

0,26

0,38

0,37

Quick Ratio

Units

0,00

0,00

0,00

0,01

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

0,83

0,81

0,40

1,32

Self Financing Ratio

Units

0,49

0,51

0,45

0,30

Capital protection Ratio

Units

1,15

1,05

0,93

0,87

Liabilities consolidation quotient

Units

n.c.

n.c.

1,73

0,34

Financing

Units

0,83

0,81

1,05

1,99

Permanent Indebtedness Ratio

Units

0,49

0,51

0,77

0,52

M/L term Debts Ratio

Units

n.c.

n.c.

0,32

0,17

Net Financial Indebtedness Ratio

Units

0,76

0,74

0,75

1,78

CORRELATION

Fixed assets ratio

Units

0,63

0,70

1,28

1,48

Current ratio

Units

0,55

0,66

2,19

1,40

Acid Test Ratio-Liquidity Ratio

Units

0,53

0,63

2,09

0,78

Structure's primary quotient

Units

0,63

0,70

0,75

0,92

Treasury's primary quotient

Units

0,00

0,00

0,00

0,02

Rate of indebtedness ( Leverage )

%

205,56

196,82

221,19

333,33

Current Capital ( net )

Value

-785.986

-660.966

1.292.201

1.317.444

RETURN

Return on Sales

%

-359,52

-22,43

5,85

1,76

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

%

-10,12

-4,93

2,85

0,93

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

%

-10,19

-6,74

5,28

4,28

Return on Investment ( R.O.I. )

%

-4,02

-2,60

5,01

3,01

Return/ Sales

%

-580,79

-221,46

9,25

3,31

Extra Management revenues/charges incid.

%

n.c.

n.c.

25,70

12,47

Cash Flow

Value

-107.760

-12.509

188.580

91.270

Operating Profit

Value

-174.080

-123.497

298.161

278.972

Gross Operating Margin

Value

-68.633

-16.992

410.111

376.219

MANAGEMENT

Credits to clients average term

Days

5139,92

4077,66

178,55

109,99

Debts to suppliers average term

Days

1530,13

1241,27

300,22

107,37

Average stock waiting period

Days

386,40

420,37

12,24

94,76

Rate of capital employed return ( Turnover )

Units

0,01

0,01

0,54

0,90

Rate of stock return

Units

0,93

0,86

29,41

3,79

Labour cost incidence

%

0,27

60,44

13,29

11,82

Net financial revenues/ charges incidence

%

-135,24

-83,38

-4,85

-2,69

Labour cost on purchasing expenses

%

0,02

13,12

26,78

11,85

Short-term financing charges

%

2,32

3,06

5,61

3,69

Capital on hand

%

14443,27

8518,05

184,53

110,54

Sales pro employee

Value

55.764

248.005

261.393

Labour cost pro employee

Value

33.702

32.965

32.182

 

 

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.

 

 

SOURCES

 

Our Company collects data from public registers, lists, archives or contained in Acts and/or documents (held by the National Chamber of Commerce or Immovables Territorial Agency), users, reporters or however generally accessible (for example, from categorical lists, statistical institutes, press reports and from public inspection internet sites).

 

 

Market / Territory Data

 

Population living in the province

:

9.393.092

Population living in the region

:

0

Number of families in the region

:

0

 

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

 

- per food products

:

0

- per non food products

:

0

- per energy consume

:

0

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.89

UK Pound

1

Rs.99.10

Euro

1

Rs.70.12

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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.