MIRA INFORM REPORT

 

Report No. :

320870.2

Report Date :

06.06.2015

 

IDENTIFICATION DETAILS

 

Name :

SOLVAY SPECIALTY CHEMICALS ASIA PACIFIC PTE. LTD.

 

 

Formerly Known As :

RHODIA ASIA PACIFIC PTE. LTD.

RHODIA CONSUMER SPECIALTIES ASIA PACIFIC PTE LTD

ALBRIGHT & WILSON ASIA PACIFIC PTE LTD

 

 

Registered Office :

10, Collyer Quay, 10-01, Ocean Financial Centre, 049315

 

 

Country :

Singapore

 

 

Date of Incorporation :

15.12.1984

 

 

Com. Reg. No.:

198404307-W

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Trading of Chemicals.

 

 

No. of Employees :

140 [2015]

 

 

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 :

Unknown

 

 

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 – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. Unemployment is very low. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports. Growth in 2014 was slower at 13.9%, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub. Singapore is a member of the 12-nation Trans-Pacific Partnership free trade agreement negotiations and, with the nine other ASEAN members, will form the ASEAN Economic Community in 2015.

 

Source : CIA

 

EXECUTIVE SUMMARY

 

 

 

REGISTRATION NO.

:

198404307-W

COMPANY NAME

:

SOLVAY SPECIALTY CHEMICALS ASIA PACIFIC PTE. LTD.

FORMER NAME

:

RHODIA ASIA PACIFIC PTE. LTD. (11/10/2013)
RHODIA CONSUMER SPECIALTIES ASIA PACIFIC PTE LTD (20/03/2002)
ALBRIGHT & WILSON ASIA PACIFIC PTE LTD (18/09/2000)

INCORPORATION DATE

:

15/12/1984

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

10, COLLYER QUAY, 10-01, OCEAN FINANCIAL CENTRE, 049315, SINGAPORE.

BUSINESS ADDRESS

:

1 BIOPOLIS DRIVE #05-01/06, AMNIOS, 138622, SINGAPORE.

TEL.NO.

:

65-64388886

FAX.NO.

:

65-64388222

CONTACT PERSON

:

IAN EDWARD BROWN ( DIRECTOR )

PRINCIPAL ACTIVITY

:

TRADING OF CHEMICALS

ISSUED AND PAID UP CAPITAL

:

120,000.00 ORDINARY SHARE, OF A VALUE OF SGD 12,000,000.00

SALES

:

SGD 359,830,069 [2012]

NET WORTH

:

SGD 44,857,695 [2012]

STAFF STRENGTH

:

140 [2015]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

N/A

PAYMENT

:

N/A

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 

HISTORY / BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

 

The Subject is principally engaged in the (as a / as an) trading of chemicals.

 

The immediate holding company of the Subject is RHODIA INTERNATIONAL HOLDINGS B.V., a company incorporated in NETHERLANDS.

 

The ultimate holding company of the Subject is SOLVAY S. A., a company incorporated in BELGIUM.

 

The intermediate holding company of the Subject is RHODIA S. A., a company incorporated in FRANCE.

 

Share Capital History

Date

Issue & Paid Up Capital

04/06/2015

SGD 12,000,000.00

 

The major shareholder(s) of the Subject are shown as follows :

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

RHODIA INTERNATIONAL HOLDINGS B.V.

NASSAULAAN 13, 2514, JS DEN HAAG, NETHERLANDS.

S75UF0131

120,000.00

100.00

---------------

------

120,000.00

100.00

============

=====

+ Also Director



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

JEAN-PIERRE LUC CLAMADIEU

Address

:

CHAUSSEE DE CHARLEROI N82, BRUXELLES, 1060, BELGIUM.

IC / PP No

:

13FV09864

Nationality

:

FRENCH

Date of Appointment

:

30/11/2014

 

DIRECTOR 2

 

Name Of Subject

:

YBERT MICHEL BERNARD MAURICE

Address

:

K01, XIJIAO GUEST VILLA, 1919, HONGQIAO ROAD, SHANGHAI, 200336, CHINA.

IC / PP No

:

S2738480C

Nationality

:

SINGAPOREAN

Date of Appointment

:

01/12/2003

 

DIRECTOR 3

 

Name Of Subject

:

SEK FONG PENG HAZEL

Address

:

2, FLORA DRIVE, 05-31, CARISSA PARK CONDOMINIUM, 507025, SINGAPORE.

IC / PP No

:

S7028190B

Nationality

:

SINGAPOREAN

Date of Appointment

:

30/11/2014

 

DIRECTOR 4

 

Name Of Subject

:

IAN EDWARD BROWN

Address

:

247C, PASIR PANJANG ROAD, CHU VILLE, 118607, SINGAPORE.

IC / PP No

:

G6122395P

Nationality

:

BRITISH

Date of Appointment

:

08/05/2009

 

DIRECTOR 5

 

Name Of Subject

:

VINCENT PAUL JEAN MARIE DE CUYPER

Address

:

HULSTPOELLAAN, 15-3080, TERVUREN, BELGIUM.

IC / PP No

:

EJ492164

Nationality

:

BELGIAN

Date of Appointment

:

30/11/2014

 

DIRECTOR 6

 

Name Of Subject

:

PIERRE-FRANCK MARIE YVES VALENTIN

Address

:

62, TREVOSE CRESCENT, 02-01, TREVOSE PARK, 298063, SINGAPORE.

IC / PP No

:

G5954151Q

Nationality

:

FRENCH

Date of Appointment

:

30/11/2014


MANAGEMENT

 

 

 

1)

Name of Subject

:

IAN EDWARD BROWN

Position

:

DIRECTOR

 

 

 

AUDITOR

 

Auditor

:

DELOITTE & TOUCHE LLP

Auditor' Address

:

N/A

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

KWANG YEIT LAM

IC / PP No

:

S1426198B

Address

:

869, TAMPINES STREET 83, 12-179, 520869, SINGAPORE.

 

 

 

BANKING


No Banker found in our databank.

 

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

 

 

LITIGATION CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation.

No legal action was found in our databank.

No winding up petition was found in our databank.

 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A


The Subject refused to disclose its suppliers.

 

 

CLIENTELE

 

Local

:

N/A

Overseas

:

N/A


The Subject refused to disclose its clientele.

 

 

OPERATIONS

 

Goods Traded

:

CHEMICALS

 

Total Number of Employees:

YEAR

2015

2014


GROUP

N/A

N/A

COMPANY

140

140

 

Branch

:

NO

 

Other Information:


The Subject is principally engaged in the (as a / as an) trading of chemicals.

The Subject refused to disclose its operation.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-64388886

Match

:

N/A

Address Provided by Client

:

05-01/06, AMINOS, SINGAPORE – 138622

Current Address

:

1 BIOPOLIS DRIVE #05-01/06, AMNIOS, 138622, SINGAPORE.

Match

:

NO


We have contacted the Subject's Accountant and its Company Secretary for the latest financial accounts. However they have rejected our request in view of the confidentiality of the documents.

 

Other Investigations


We contacted one of the staff from the Subject and she provided limited information.

The address provided is incomplete.


FINANCIAL ANALYSIS

 

The Subject's latest financial accounts are up to 2012 which is out dated in our opinion. Therefore, our comment on the Subject financial performance is restricted thereto.

Overall financial condition of the Subject : N/A

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

Services

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

* Based on Index of Industrial Production (2011 = 100)



INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

The wholesale and retail trade sectors have expanded by 2.0% in the third quarter of 2014, extending the 1.8 per cent growth in the previous quarter. In 2013, the wholesale and retail sector expanded by 5.0%, after declining by 1.4% the year before. Growth of the sector was driven by the wholesale trade segment.

The domestic wholesale trade index has increased by 3.2% in the fourth quarter of 2013, moderating from the 6.6% growth in the previous quarter. The slower growth was due to a decline in the sales of furniture and household equipment (-12%) and petroleum and petroleum products (-0.6%). For the full year, the domestic wholesale trade index grew by 5.2% reversing the 2.2% decline in 2012. On the other hand, the foreign wholesale trade index has increased by a slower pace of 5.6% in the fourth quarter, compared to the 7.7% expansion in the preceding quarter. The slowdown was due to a fall in the sales of telecommunication equipment and computer (-3.8%) and petroleum and petroleum products (-2.5%). For the full year, the growth of the foreign wholesale trade index moderated slightly to 8.6% from 9.1% in the previous year.

In the fourth quarter of 2013, retail sales volume fell by 6.2%, extending the 5.6% decline in the previous quarter. Excluding motor vehicles, retail sales volume increased by 0.4%, a slower pace of expansion as compared to the 1.6% gain in the preceding quarter. The sales volume of motor vehicles fell by 33% in the fourth quarter of 2013, extending the 32% decline in the previous quarter. Meanwhile, the sales of several discretionary items also fell in the fourth quarter of 2013. For instance, the sales of telecommunications apparatus and computers fell by 12%, while the sales of furniture and household equipment declined by 5.4%.

For the full year, retail sales volume contracted by 4.3%, a reversal from the 1.3% expansion in 2012. Excluding motor vehicle sales, the retail sales volume grew by 1.1% in 2013, slower than the 1.7% increase in 2012. Watches and jewellery recorded the largest increase (11%) in sales in 2013, followed by optical goods and book (3%) and medical goods and toiletries (3%). By contrast, the sales of telecommunications apparatus and computer (-7.3%), furniture and household equipment (-4.2%) and petrol service stations (-1.4) declined in 2013.

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 

Incorporated in 1984, the Subject is a Private Limited company, focusing on trading of chemicals. The Subject has been in business for over two decades. It has built up a strong clientele base and satisfactory reputation will enable the Subject to further enhance its business in the near term. The Subject is expected to enjoy a stable market shares. The Subject is a large entity with strong capital position of SGD 12,000,000. We are confident with the Subject's business and its future growth prospect. Having strong support from its shareholder has enabled the Subject to remain competitive despite the challenging business environment.

The Subject is a fairly large and rapidly growing company with over 140 staff in its operations Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.

Financially, the Subject registered a higher turnover compared to previous year. However, its profits showed a reverse trend. The lower profit achieved was a result of higher operating cost and increased competition. The Subject has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at SGD 44,857,695, the Subject should be able to maintain its business in the near terms.

Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises.

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry.

Based on the above condition, we recommend credit be granted to the Subject normally.

 



PROFIT AND LOSS ACCOUNT

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

SOLVAY SPECIALTY CHEMICALS ASIA PACIFIC PTE. LTD.

 

Financial Year End

2012-12-31

2011-12-31

2010-12-31

2009-12-31

Months

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

Financial Type

FULL

FULL

SUMMARY

SUMMARY

Currency

SGD

SGD

SGD

SGD

TURNOVER

359,830,069

323,656,100

332,075,297

226,218,065

Other Income

232,047

601,363

-

-

----------------

----------------

----------------

----------------

Total Turnover

360,062,116

324,257,463

332,075,297

226,218,065

Costs of Goods Sold

(286,042,988)

(253,227,276)

-

-

----------------

----------------

----------------

----------------

Gross Profit

74,019,128

71,030,187

-

-

----------------

----------------

----------------

----------------

PROFIT/(LOSS) FROM OPERATIONS

2,869,606

8,042,332

10,259,525

4,239,910

----------------

----------------

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

2,869,606

8,042,332

10,259,525

4,239,910

Taxation

(350,577)

(1,573,040)

(1,974,756)

(1,255,189)

----------------

----------------

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

2,519,029

6,469,292

8,284,769

2,984,721

----------------

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

30,338,666

23,869,374

15,584,605

12,599,884

----------------

----------------

----------------

----------------

As restated

30,338,666

23,869,374

15,584,605

12,599,884

----------------

----------------

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

32,857,695

30,338,666

23,869,374

15,584,605

----------------

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

32,857,695

30,338,666

23,869,374

15,584,605

=============

=============

=============

=============

INTEREST EXPENSE (as per notes to P&L)

Others

90,007

311,179

-

-

----------------

----------------

----------------

----------------

90,007

311,179

-

-

=============

=============

-

-

 

 

 

 

 

 

 

 

 

 

 

BALANCE SHEET

 

SOLVAY SPECIALTY CHEMICALS ASIA PACIFIC PTE. LTD.

 

ASSETS EMPLOYED:

FIXED ASSETS

1,325,928

1,432,462

1,492,884

1,902,910

Others

497,852

541,144

-

-

----------------

----------------

----------------

----------------

TOTAL INTANGIBLE ASSETS

497,852

541,144

-

-

----------------

----------------

----------------

----------------

TOTAL LONG TERM ASSETS

1,823,780

1,973,606

1,492,884

1,902,910

Stocks

8,524,350

10,641,345

-

-

Trade debtors

35,629,331

36,509,461

-

-

Other debtors, deposits & prepayments

1,698,652

1,517,000

-

-

Amount due from holding company

41,349,102

35,243,064

-

-

Amount due from related companies

34,247,836

30,001,670

-

-

Cash & bank balances

3,834,539

6,680,000

-

-

Others

43,416

-

-

-

----------------

----------------

----------------

----------------

TOTAL CURRENT ASSETS

125,327,226

120,592,540

112,178,125

96,981,698

----------------

----------------

----------------

----------------

TOTAL ASSET

127,151,006

122,566,146

113,671,009

98,884,608

=============

=============

=============

=============

CURRENT LIABILITIES

Trade creditors

8,547,758

4,655,302

-

-

Other creditors & accruals

13,001,414

9,756,169

-

-

Short term borrowings/Term loans

-

10,395,705

-

-

Amounts owing to related companies

59,725,770

51,986,436

-

-

Provision for taxation

815,369

2,362,591

-

-

Other liabilities

-

658,898

-

-

----------------

----------------

----------------

----------------

TOTAL CURRENT LIABILITIES

82,090,311

79,815,101

77,417,961

70,939,153

----------------

----------------

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

43,236,915

40,777,439

34,760,164

26,042,545

----------------

----------------

----------------

----------------

TOTAL NET ASSETS

45,060,695

42,751,045

36,253,048

27,945,455

=============

=============

=============

=============

SHARE CAPITAL

Ordinary share capital

12,000,000

12,000,000

12,000,000

12,000,000

----------------

----------------

----------------

----------------

TOTAL SHARE CAPITAL

12,000,000

12,000,000

12,000,000

12,000,000

Retained profit/(loss) carried forward

32,857,695

30,338,666

23,869,374

15,584,605

Others

-

-

0

0

----------------

----------------

----------------

----------------

TOTAL RESERVES

32,857,695

30,338,666

23,869,374

15,584,605

----------------

----------------

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

44,857,695

42,338,666

35,869,374

27,584,605

Deferred taxation

83,000

292,379

-

-

Others

120,000

120,000

-

-

----------------

----------------

----------------

----------------

TOTAL LONG TERM LIABILITIES

203,000

412,379

383,674

360,850

----------------

----------------

----------------

----------------

45,060,695

42,751,045

36,253,048

27,945,455

=============

=============

=============

=============

 

 

 

 

 

 

 

 

 

 

 

FINANCIAL RATIO

 

SOLVAY SPECIALTY CHEMICALS ASIA PACIFIC PTE. LTD.

 

TYPES OF FUNDS

Cash

3,834,539

6,680,000

-

-

Net Liquid Funds

3,834,539

6,680,000

-

-

Net Liquid Assets

34,712,565

30,136,094

34,760,164

26,042,545

Net Current Assets/(Liabilities)

43,236,915

40,777,439

34,760,164

26,042,545

Net Tangible Assets

44,562,843

42,209,901

36,253,048

27,945,455

Net Monetary Assets

34,509,565

29,723,715

34,376,490

25,681,695

BALANCE SHEET ITEMS

Total Borrowings

0

10,395,705

-

-

Total Liabilities

82,293,311

80,227,480

77,801,635

71,300,003

Total Assets

127,151,006

122,566,146

113,671,009

98,884,608

Net Assets

45,060,695

42,751,045

36,253,048

27,945,455

Net Assets Backing

44,857,695

42,338,666

35,869,374

27,584,605

Shareholders' Funds

44,857,695

42,338,666

35,869,374

27,584,605

Total Share Capital

12,000,000

12,000,000

12,000,000

12,000,000

Total Reserves

32,857,695

30,338,666

23,869,374

15,584,605

LIQUIDITY (Times)

Cash Ratio

0.05

0.08

-

-

Liquid Ratio

1.42

1.38

-

-

Current Ratio

1.53

1.51

1.45

1.37

WORKING CAPITAL CONTROL (Days)

Stock Ratio

9

12

-

-

Debtors Ratio

36

41

-

-

Creditors Ratio

11

7

-

-

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.25

-

-

Liabilities Ratio

1.83

1.89

2.17

2.58

Times Interest Earned Ratio

32.88

26.84

-

-

Assets Backing Ratio

3.71

3.52

3.02

2.33

PERFORMANCE RATIO (%)

Operating Profit Margin

0.80

2.48

3.09

1.87

Net Profit Margin

0.70

2.00

2.49

1.32

Return On Net Assets

6.57

19.54

28.30

15.17

Return On Capital Employed

6.50

19.30

28.30

15.17

Return On Shareholders' Funds/Equity

5.62

15.28

23.10

10.82

Dividend Pay Out Ratio (Times)

0.00

0.00

-

-

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.90

UK Pound

1

Rs.97.98

Euro

1

Rs.71.82

 

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.