MIRA INFORM REPORT

 

 

Report No. :

325801

Report Date :

09.06.2015

 

IDENTIFICATION DETAILS

 

Name :

KODDAERT  NV

 

 

Registered Office :

Ambachtenstraat 1 8680 Koekelare

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

27.06.1986

 

 

Com. Reg. No.:

429255385

 

 

Legal Form :

Public  Limited  Liability Company  (BE)

 

 

Line of Business :

Wholesale  of  metals  and metal  ores

 

 

No. of Employee :

19

 

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 – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

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 summary                        

 

Business  number

429255385

Company  name

KODDAERT  NV

Address

AMBACHTENSTRAAT  1

 

8680 KOEKELARE

Number  of  staff

19

Date  of  establishment

27/06/1986

Telephone  number

051747540

Fax  number

051747530

 

 

Commentary

 

The  business  was  established  over  28  years  ago.

The  business  has  20  employees.

The  business  has  been  at  the  address  for  over  11  years.

Operating  Result  in  the  latest  trading  period  decreased  46%  on  the  previous  trading  period.

Pre-tax  profits  decreased  by  54%  compared  to  the  previous  trading  period.

The  business  saw  an  increase  in  their  Cash  Balance  of  133%  during  the  latest  trading  period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

33,416,831

107,577

4,110,666

1,305,998

31/12/2012

36,725,878

234,234

4,107,659

2,005,659

31/12/2011

43,761,085

529,287

4,238,928

2,507,432

 

 

Accounts

                                                                                                                                        

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

15,764,039

19

910,000

417,968

31/12/2012

15,715,284

19

910,000

601,624

31/12/2011

16,679,315

17

910,000

822,298

 

 

Payment expectations

           

Past  payments

 

Payment  expectation  days

26.08

Industry  average  payment

55.51

Industry  average  day  sales

247.66

expectation  days

 

outstanding

 

Day  sales  outstanding

46.83

 

 

 

 

Court  data  summary

 

BANKRUPTCY  DETAILS

 

Court  action  type

no

 

PROTESTED  BILLS

 

Bill  amount

-

 

NSSO  DETAILS

 

Date  of  summons

-

 

 

Company information

 

Business  number

429255385

Company  name

KODDAERT  NV

Fax  number

051747530

Date  founded

27/06/1986

Company  status

active

Company  type

Public  Limited  Liability

Company  (BE)

 

 

 

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2013

Activity  code

46720

Liable  for  VAT

yes

Activity  description

Wholesale  of  metals  and

metal  ores

VAT  Number

BE.0429.255.385  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

149.04

Description

Joint  subcommittee  for  the  trade  in  metals

category

 

JIC  Code

218

Description

Additional  national  joint  committee  for  the  employees

category

 

Significant  Events

 

Event  Date

16/05/2014

Event  Description

re-appointment  of  director(s)

Event  Details

Commentaar  16-05-2014:  Herbenoemd  als  bestuurders  voor  een  periode  van  6  jaar:  Jean-Pierre

 

Heynderick  (tevens  gedelegeerd  bestuurder  en  voorzitter)  en  Nicole  Jacobs.

 

 

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

2,891,491

22.19

2,366,319

20.13

1,969,721

-10.69

2,205,538

-14.63

2,583,362

Intangible  fixed  assets

18,106

60.54

11,278

267

3,072

-28.19

4,278

-21.99

5,484

Tangible  fixed  assets

1,775,005

-15.27

2,094,824

13.76

1,841,447

-14.77

2,160,479

-13.86

2,507,992

Land  &  building

1,419,650

-9.46

1,567,935

3.67

1,512,364

-10.57

1,691,088

-9.31

1,864,647

Plant  &  machinery

198,667

-37.90

319,931

27.44

251,042

-35.47

389,033

-3.52

403,244

Furniture  &  Vehicles

105,873

-13.41

122,267

56.67

78,041

-2.88

80,358

-33.09

120,101

Leasing  &  Other  Similar  Rights

50,815

-40.00

84,692

-

-

-

-

-

-

Other  tangible  assets

0

-

0

-

0

-

0

-100

120,000

Financial  fixed  assets

1,098,381

322

260,216

107

125,203

207

40,781

-41.65

69,887

Total  current  assets

12,872,548

-3.57

13,348,966

-9.25

14,709,594

74.82

8,414,258

-7.93

9,139,322

Inventories

7,924,992

-19.59

9,856,236

43.02

6,891,280

82.26

3,781,025

-15.21

4,459,378

Raw  materials  &  consumables

17,715

-

-

-

10,260

58.66

6,467

-4.61

6,779

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

7,907,277

-19.77

9,856,236

43.24

6,881,020

82.30

3,774,558

-14.72

4,426,126

Other  stocks

0

-

0

-

0

-

0

-100

26,474

Trade  debtors

4,287,022

38.94

3,085,430

-58.42

7,420,191

67.85

4,420,685

4.81

4,217,856

Other  amounts  receivable

179,027

-5.72

189,888

93.51

98,127

15.16

85,213

249

24,351

Cash

456,534

133

195,527

-34.20

297,162

206

96,983

-76.08

405,417

 

Miscellaneous  current  assets

4,472

-79.57

21,886

672

2,833

-88.82

25,353

46.37

17,321

Total  Assets

15,764,039

0.31

15,715,284

-5.78

16,679,315

57.06

10,619,796

-9.41

11,722,684

Liabilities

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

4,128,772

0.24

4,118,937

-2.90

4,242,000

7.26

3,954,857

19.19

3,318,025

Issued  share  capital

910,000

0

910,000

0

910,000

0

910,000

0

910,000

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

307,416

0

307,416

0

307,416

0

307,416

0

307,416

Reserves

2,911,356

0.34

2,901,521

-4.07

3,024,584

10.49

2,737,440

30.32

2,100,609

Provisions  for  Liabilities  &

0

-

0

-

0

-

0

-100

200,000

Charges

 

 

 

 

 

 

 

 

 

 

Deffered  taxes

-

-

1,477

-50.00

2,954

-33.33

4,431

-25.00

5,907

Creditors

11,635,267

0.35

11,594,871

-6.75

12,434,361

86.69

6,660,509

-18.76

8,198,752

Other  long  term  loans

68,717

-72.68

251,564

8.34

232,199

-32.75

345,288

-17.60

419,028

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-

0

-

0

-

0

Total  long  term  debts

68,717

-72.84

253,041

7.61

235,153

-32.76

349,719

-44.04

624,935

Current  portion  of  long  term  debt

182,848

-34.34

278,479

17.54

236,920

11.43

212,624

-18.43

260,650

Financial  debts

8,840,000

5.84

8,351,884

3.30

8,085,000

116

3,740,000

-29.87

5,333,066

Trade  creditors

2,363,354

7.44

2,199,704

-39.65

3,644,863

67.19

2,180,110

8.13

2,016,160

Amounts  Payable  for  Taxes, Remuneration  &  Social  Security

173,134

7.43

161,155

21.37

132,779

45.69

91,139

-17.92

111,030

 

Miscellaneous  current  liabilities

7,215

-97.95

352,085

243

102,601

12.32

91,348

55.31

58,818

Total  current  liabilities

11,566,551

1.97

11,343,306

-7.04

12,202,162

93.22

6,315,221

-18.82

7,779,724

Total  Liabilities

15,764,039

0.31

15,715,284

-5.78

16,679,315

57.06

10,619,796

-9.41

11,722,684

ratio  analysis

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

0.32

-50.0

0.64

-47.11

1.21

-65.13

3.47

80.73

1.92

Return  on  capital  employed

2.56

-52.24

5.36

-54.65

11.82

-49.14

23.24

119

10.60

Return  on  total  assets  employed

0.68

-54.36

1.49

-53.00

3.17

-66.35

9.42

164

3.56

Return  on  net  assets  employed

2.61

-54.13

5.69

-54.41

12.48

-50.67

25.30

100

12.59

Sales  /  net  working  capital

25.59

39.76

18.31

4.93

17.45

26.91

13.75

-14.17

16.02

Stock  turnover  ratio

23.72

-11.62

26.84

70.41

15.75

20.23

13.10

-36.04

20.48

Creditor  days

26.08

17.27

22.24

-28.40

31.06

7.62

28.86

-17.19

34.85

Debtor  days

46.83

52.74

30.66

-50.46

61.89

10.70

55.91

-20.91

70.69

 

SHORT  TERM  STABILITY

Current  ratio

1.11

-5.93

1.18

-2.48

1.21

-9.02

1.33

13.68

1.17

 

Liquidity  ratio  /  acid  ratio

0.43

38.71

0.31

-51.56

0.64

-12.33

0.73

21.67

0.60

Current  debt  ratio

2.80

1.82

2.75

-4.51

2.88

80.0

1.60

-31.62

2.34

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

417,968

-30.53

601,624

-26.84

822,298

-29.84

1,171,968

58.82

737,917

Net  worth

4,110,666

0.07

4,107,659

-3.10

4,238,928

7.30

3,950,579

19.26

3,312,541

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Gearing

220.20

2.11

215.64

6.94

201.65

85.56

108.67

-40.03

181.21

Equity  in  percentage

26.22

-0.04

26.23

3.11

25.44

-31.72

37.26

31.57

28.32

Total  debt  ratio

2.82

0

2.82

-3.75

2.93

73.37

1.69

-33.20

2.53

Working  capital

1,305,998

-34.88

2,005,659

-20.01

2,507,432

19.46

2,099,037

54.39

1,359,598

Profit  &  loss

 

 

 

 

 

 

 

 

 

Operating  Income

33,628,992

-9.00

36,954,726

-15.86

43,921,353

51.33

29,024,394

32.24

21,947,797

Turnover

33,416,831

-9.01

36,725,878

-16.08

43,761,085

51.64

28,859,325

32.51

21,778,799

Total  operating  expenses

33,077,025

-8.36

36,095,119

-15.72

42,829,868

55.35

27,569,505

30.55

21,117,217

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

33,289,186

-8.35

36,323,967

-15.51

42,990,136

55.01

27,734,574

30.29

21,286,215

Employee  costs

1,293,938

16.98

1,106,119

-3.41

1,145,217

42.54

803,424

-7.12

864,995

Wages  and  salary

872,778

20.30

725,475

-10.77

813,084

54.26

527,073

-6.14

561,525

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security  contributions

346,326

16.91

296,236

15.87

255,653

8.65

235,290

-5.79

249,752

Other  employee  costs

74,834

-11.34

84,408

10.37

76,480

86.26

41,061

-23.56

53,718

Director  remuneration

264,534

71.52

154,233

0.41

153,600

29.00

119,070

11.21

107,070

Amortization  and  depreciation

405,265

-14.11

471,819

0.97

467,286

-8.78

512,269

26.35

405,447

Operating  result

339,805

-46.13

630,759

-32.27

931,216

-27.80

1,289,820

94.96

661,581

Total  financial  income

192,788

-40.59

324,518

31.98

245,890

-42.66

428,839

171

158,203

Total  financial  expenses

425,016

-41.06

721,043

11.30

647,819

-9.81

718,256

78.66

402,021

 

Results  on  ordinary  operations

107,577

-54.07

234,234

-55.75

529,287

-47.09

1,000,403

139

417,763

before  taxation

 

 

 

 

 

 

 

 

 

 

Extraordinary  Income

-

-

-

-

-

-

-

-

1,114

Extraordinary  Charges

89,755

749

10,571

5585

186

-

-

-

-

Extraordinary  items

-89,755

-749

-10,571

-5585

-186

-

0

-100

1,114

 

Results  for  the  Year  Before

17,822

-92.03

223,664

-57.73

529,101

-47.11

1,000,403

138

418,877

Taxation

 

 

 

 

 

 

 

 

 

 

Other  appropriations

-

-

-

-

-

-

-

-

-

 

Taxation

6,595

-93.08

95,335

-45.70

175,566

-48.69

342,180

289

87,884

 

Results  on  ordinary  operations

after  taxation

100,982

-27.30

138,899

-60.73

353,721

-46.26

658,223

99

329,879

 

Net  result

12,703

-90.21

129,805

-63.44

355,011

-46.19

659,700

98.42

332,470

 

Profit  (Loss)  for  the  Year  to  be appropiated

12,703

-90.21

129,805

-63.44

355,011

-46.19

659,700

98.42

332,470

Dividends

-

-

250,000

284

65,000

225

20,000

-

-

 

 

 

Social  Balance  Sheet  Details

Social  Balance  Sheet

 

 

Total

 

 

 

 

 

 

During  the  reporting  year

 

 

 

 

 

 

 

 

 

ended  31-12-2013

 

 

 

 

 

 

 

 

 

Full-time  Employees

 

 

16

 

 

 

 

 

 

Part-time  Employees

 

 

5

 

 

 

 

 

 

Total  Fte  Employees

 

 

20

 

 

 

 

 

 

Number  of  hours  worked

 

 

 

 

 

 

 

 

 

Full-time  Employees

 

 

27,927

 

 

 

 

 

 

Part-time  Employees

 

 

5,859

 

 

 

 

 

 

Total

 

 

33,786

 

 

 

 

 

 

Personnel  Charges

 

 

 

 

 

 

 

 

 

Full-time  Employees

 

 

 

1,069,560

 

 

 

 

 

Part-time  Employees

 

 

224,379

 

 

 

 

 

 

Total

 

 

 

1,293,938

 

 

 

 

 

Benefits  In  Addition  To  Wages

 

 

-

 

 

 

 

 

 

During  the  previous  reporting  year

 

 

 

 

 

 

 

 

 

Average  number  employees  in  Fte

 

 

19

 

 

 

 

 

 

Actual  working  hours

 

 

31,155

 

 

 

 

 

 

Personnel  Charges

 

 

 

1,106,119

 

 

 

 

 

Benefits  In  Addition  To  Wages

 

 

-

 

 

 

 

 

 

Type  of  Contract

Full-Time

 

 

Part-Time

 

 

Total  Fte

 

 

Unlimited  Duration

17

 

4

 

 

 

20

 

 

Contracts

 

 

 

 

 

 

 

 

 

Limited  Duration  Contracts

-

 

-

 

 

 

-

 

 

Contracts  For  Specific  Work

-

 

-

 

 

 

-

 

 

Contracts  Regarding Substitution

-

 

-

 

 

 

-

 

 

 

Gender  and  Education Level

 

Men

Full-Time

Part-Time

Total  Fte

Primary  education

8

-

8

Secondairy  education

5

-

5

Higher  education  (non

1

-

1

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

2

2

4

Secondairy  education

1

1

1

Higher  education  (non

-

1

1

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

6

3

8

Blue  collar  worker

11

1

11

Other

-

-

-

Temporary  personnel

 

Total

 

 

Average  number  of  temporary  staff

0

 

Actual  working  hours

 

366

 

Cost  of  temporary  staff

 

7,264

 

New  staff  and  leavers

Full-Time

Part-Time

Total  Fte

New  Starters

1

1

2

Leavers

-

2

2

 

Total  of  formal  continuing  vocational  training  initiatives

 

 

for  workers  paid  by  the  employer

Male

Female

Number  of  employees

3

3

Number  of  training  hours

116

40

Net  costs  for  enterprise

2,364

250

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

46720

Activity  description

Wholesale  of  metals  and  metal  ores

industry  average  credit

rating

69.32

Industry  average  credit  limit

193568.18

 

 

 

Payment Information

 

Payment  Information  Summary

 

Total  number  of  Invoices  available

1

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

1

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

0

Total  number  of  Invoices  currently  outstanding  beyond  the  due  date

0

 

 

Suspension  of  payments  /  moratorium  history

Amount

-

Details

-

Payment  expectations

 

Payment  expectation  days

26.08

Day  sales  outstanding

46.83

Industry  comparison

 

Activity  code

46720

Activity  description

Wholesale  of  metals  and  metal  ores

Industry  average  payment

55.51

expectation  days

 

Industry  average  day  sales

247.66

outstanding

 

 

 

Industry  quartile  analysis

 

Payment  expectations

 

Company  result

26.08

Lower

81.73

Median

58.58

Upper

33.83

 

Day sales  outstanding

Company  result

46.83

Lower

54.30

Median

32.31

Upper

18.16

 

 

Shareholder Details              

 

Summary

 

Group  -  Number  of  Companies

0

Linkages  -  Number  of  Companies

0

Number  of  Countries

0

 

Group  Structure

 

No  group  structure  for  this  company.

 

Minority  Shareholders

 

No  minority  shareholders  found

 

Minority  Interests

 

No  minority  interests  found

 

Individual Shareholders

 

SHAREHOLDER NAME

 

Forename

Robert

Middle  name

-

Surname

Heynderick

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

08/04/1997(estimated)

End  date

-

Percentage  owned

4%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Ravenhofstraat

House  number

3

Minor  town

-

Postal  town

Torhout

Post  code

8820

Country

Belgium

SHAREHOLDER  NAME

 

 

 

Forename

Jean-Pierre

Middle  name

-

Surname

Heynderick

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

08/04/1997(estimated)

End  date

-

Percentage  owned

96%

 

 

 

 

SHAREHOLDER ADDRESS

 

Street  name

Bollestraat

House  number

 

8

Minor  town

-

Postal  town

 

Torhout

Post  code

8820

Country

 

Belgium

Companies  that  match  this  address

 

 

 

 

Business  number

Company  name

Rating

Limit

Date  of  accounts

682094595

STAELENS  GEERT

94

4500

-

837111483

HONGENAE  NICK

81

3000

-

879153956

HONGENAE  KRISTOF

-

-

-

 

Linked  Companies

 

Summary

 

Group  -  Number  of  Companies

0

Linkages  -  Number  of  Companies

0

Number  of  Countries

0

 

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

JEAN-PIERRE  ARSEEN  HEYNDERICK

Position

Director

Start  Date

01/08/2003

Date  of  birth

17/07/1957

Street

8 BOLLESTRAAT  TORHOUT

Post  code

8820

Country

Belgium

Position

Chairperson

Start  Date

29/06/2014

Date  of  birth

17/07/1957

Street

8 BOLLESTRAAT  TORHOUT

Post  code

8820

Country

Belgium

 

Former director details

 

Name

JEAN-PIERRE  ARSEEN  HEYNDERICK

Position

Chairman  of  the  Board

Start  Date

17/07/2003

End  Date

Unknown  date

Date  of  birth

17/07/1957

Street

8 BOLLESTRAAT  TORHOUT

Post  code

8820

Country

Belgium

Position

Managing  Director

Start  Date

26/06/2008

End  Date

26/06/2014

Date  of  birth

17/07/1957

Street

8 BOLLESTRAAT  TORHOUT

Post  code

8820

Country

Belgium

Name

NICOLE  CLARA  JACOBS

Position

Director

Start  Date

26/06/2008

End  Date

26/06/2014

Date  of  birth

05/02/1957

Street

8 BOLLESTRAAT  TORHOUT

Post  code

8820

Country

Belgium

Name

CKP  BEDRIJFSREVISOREN  BVBA

Position

Commissioner

Start  Date

16/02/2011

End  Date

Unknown  date

Date  of  birth

29/06/1988

Street

19 LIEVEN  BAUWENSSTRAAT  BRUGGE

Post  code

8200

Country

Belgium

Name

ROBERT  ROGER  HEYNDERICK

Position

Director

Start  Date

23/05/1997

End  Date

Unknown  date

Date  of  birth

26/10/1931

Street

3 RAVENHOFSTRAAT  TORHOUT

Post  code

8820

Country

Belgium

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.64.11

UK Pound

1

Rs.97.84

Euro

1

Rs.71.12

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

SDA

 

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.