MIRA INFORM REPORT

 

 

Report No. :

325645

Report Date :

10.06.2015

 

IDENTIFICATION DETAILS

 

Name :

BARTOLI SOCIETA' PER AZIONI

 

 

Registered Office :

Via Traversa Di Parezzana, 16 Carraia, 55012 - Capannori (LU)     -IT-

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

03.01.2000

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacture of Paper and Cardboard.

 

 

No. of Employees :

From 51 to 70

 

 

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 :

No Complaints

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)

Italy

A2

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 & address

 

BARTOLI SOCIETA' PER AZIONI

Via Traversa Di Parezzana, 16 Carraia

55012 - Capannori (LU)  -IT-

 

 

Summary

 

Fiscal Code

:

01753090461

Legal Form

:

Joint stock company

start of Activities

:

03/01/2000

Equity

:

Over 2.582.254

Turnover Range

:

12.750.000/15.500.000

Number of Employees

:

from 51 to 70

 

 

Activity

 

Manufacture of paper and cardboard

 

 

Legal Data


Legal Form : Joint stock company

Fiscal Code : 01753090461

 

Foreign Trade Reg. no. : LU020553 since 05/01/2000

 

Chamber of Commerce no. : 168409 of Lucca since 03/01/2000

 

Firms' Register : LU-2000-71 of Lucca since 03/01/2000

 

V.A.T. Code : 01753090461

 

Establishment date

: 01/01/2000

Start of Activities

: 03/01/2000

Legal duration

: 31/12/2050

Nominal Capital

: 1.560.000

Subscribed Capital

: 1.560.000

Paid up Capital

: 1.560.000

 

Legal mail :

BARTOLISPA@PEC.IT

 

Members

 

Bartoli Immobiliare Societa' Per Azioni

 

 

Residence:

Traversa Di Parezzana

, 16

- 55012

Capannori

(LU)

- IT -

 

Position

Since

Shares Amount

% Ownership

Partner

 

No Prejudicial events are reported

 

No Protests registered

 

Bartoli

Giorgio Giovanni

 

Born in Lucca

(LU)

on 29/11/1964

- Fiscal Code : BRTGGG64S29E715R

 

Residence:

Fillungo

, 104

- 55100

Lucca

(LU)

- IT -

 

Position

Since

Shares Amount

% Ownership

Sole Director

20/02/2013

 

No Prejudicial events are reported

 

No Protests registered

 

Bartoli

Maria Letizia

 

Born in Lucca

(LU)

on 01/01/1963

- Fiscal Code : BRTMLT63A41E715U

 

Residence:

San Sebastiano

, 5

- 55100

Lucca

(LU)

- IT -

 

Position

Since

Shares Amount

% Ownership

Procurator

04/12/2013

 

No Prejudicial events are reported

 

No Protests registered

 

Rugani

Luca

 

Born in Lucca

(LU)

on 09/09/1963

- Fiscal Code : RGNLCU63P09E715R

 

Residence:

Tasso

, 7/C

- 55064

Pescaglia

(LU)

- IT -

 

Position

Since

Shares Amount

% Ownership

Attorney with special power

03/01/2000

 

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.

 

Bartoli

Giorgio Giovanni

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

I GIRASOLI S.R.L.

Pietrasanta (LU) - IT -

01314340462

Director

Withdrawn

Registered

Bartoli Immobiliare Societa' Per Azioni

Capannori (LU) - IT -

01691070468

Director

Active

Registered

Bartoli Immobiliare Societa' Per Azioni

Capannori (LU) - IT -

01691070468

Board Chairman

Active

Registered

Levante Societa' A Responsabilita' Limitata

Capannori (LU) - IT -

02250310469

Director

Active

Registered

Levante Societa' A Responsabilita' Limitata

Capannori (LU) - IT -

02250310469

Managing Director

Active

Registered

Azienda Agricola Sorantonio Di Giorgio Bartoli

Capannori (LU) - IT -

BRTGGG64S29E715R

Proprietor

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

Bartoli Immobiliare Societa' Per Azioni

Capannori - IT -

01691070468

1.558.128 .Eur

99,88

Bartoli Giorgio Giovanni

Lucca - IT -

BRTGGG64S29E715R

936 .Eur

0,06

Bartoli Maria Letizia

Lucca - IT -

BRTMLT63A41E715U

936 .Eur

0,06



Direct Participations

 

The Company under review has participations in the following Companies:

 

Firm's Style

Seat

Fiscal Code

Owned Shares Amount

% Ownership

since

until

Share Status

Aquapur Multiservizi S.p.a.

Porcari - IT -

01601120460

5.160 .Eur

0,48

Active

Consorzio Toscana Energia S.p.a.

Lucca - IT -

01842040469

5 .Eur

Active

Consorzio Servizi Ecologici - Societa' A Responsabilita' Limitata

Lucca - IT -

01200880464

1.225 .Eur

8,72

Active




Firm's location and structure

 

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

 

-

Legal and operative seat

(Factory)

 

Traversa Di Parezzana

, 16

- 55012

- Capannori

(LU)

- IT -

 

PHONE

: 0583980196

 

FAX

: 0583980878

 

Email

: BARTOLISPA@PEC.IT

 

Legal mail

: BARTOLISPA@PEC.IT

 

Employees

: 53

 

Fittings and Equipment for a value of 2.960.000

Eur

 

Stocks for a value of 3.210.000

Eur

 

Trade organization: direct or by agents.

Sales converge to North and Central Italy.



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 2000.

The analysis is based on the latest 3 balance sheets.

During the last years, it recorded positive net results (r.o.e. 2,93% in 2013) with a stable trend in the turnover.

The operating result in 2013 was positive (1,76%) falling within the field's average.

An operating result of Eur. 228.828 has been registered. recording a drop as opposed to the year before (-51,85%).

The G.O.M. amounted to Eur. 967.428 ,with no change if compared to the year before.

From a financial aspect the company's status covers total short-term debts; the indebtedness volume in 2013 is in fact 0,41 improved in comparison with the year before (0,45.).

It's shareholders funds amount to Eur. 5.679.373 , stable in comparison with the value of the previous year.

Total debts recorded amounted to Eur. 5.721.885 (Eur. 1.428.856 of which were m/l term debts) on the same levels as the year before.

Financial debts exposure is under control while the recourse to commercial credit is rather frequent however still within the sector's average.

It shows a good range of liquidity.

Trade credits are collected slowly, average term is 101,12 days. within the standard level of the average of the sector.

2013 financial year closed with a cash flow of Eur. 904.837

During 2013 financial year labour costs amounted to Eur. 2.560.278, with a 19,05% incidence on production costs. , with a 19,9% incidence on turnover.

Financial charges have a limited incidence (-0,15%) on sales volume.

 

 

Financial Data

 

Complete balance-sheet for the year

al 31/12/2013

(in Eur

x 1)

 

Item Type

Value

Sales

12.865.352

Profit (Loss) for the period

166.237

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

13.337.065

Profit (Loss) for the period

364.699

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

13.232.991

Profit (Loss) for the period

292.101

 

Complete balance-sheet for the year

al 31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

12.014.459

Profit (Loss) for the period

194.328

 

Complete balance-sheet for the year

al 31/12/2009

(in Eur

x 1)

 

Item Type

Value

Sales

9.681.788

Profit (Loss) for the period

231.429

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

139.440

204.200

185.760

. . Research,develop. and advert.expens.

. . Industrial patent rights

12.938

21.759

31.341

. . Concessions,licenses,trademarks,etc.

15.282

15.852

963

. . Goodwill

. . Assets in formation and advance paymen.

78.691

8.736

. . Other intangible fixed assets

122.100

87.891

61.218

. Total Intangible Fixed Assets

368.451

329.702

288.018

. TANGIBLE FIXED ASSETS

. . Real estate

27.629

35.828

38.641

. . Plant and machinery

2.948.830

3.337.230

2.046.390

. . Industrial and commercial equipment

10.455

13.975

688

. . Other assets

122.278

139.630

89.171

. . Assets under construction and advances

299.116

20.618

1.306.761

. Total Tangible fixed assets

3.408.308

3.547.281

3.481.651

. FINANCIAL FIXED ASSETS

. . Equity investments

8.000

16.000

16.000

. . . Equity invest. in subsidiary companies

8.000

8.000

. . . Equity invest. in associated companies

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

8.000

8.000

8.000

. . Financial receivables

515

515

515

. . . . Within 12 months

. . . . Beyond 12 months

515

515

515

. . . 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

515

515

515

. . . . Within 12 months

. . . . Beyond 12 months

515

515

515

. . Other securities

. . Own shares

. . . Total nominal value

. Total financial fixed assets

8.515

16.515

16.515

Total fixed assets

3.785.274

3.893.498

3.786.184

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

954.082

790.982

822.239

. . Work in progress and semimanufactured

. . Work in progress on order

. . Finished goods

2.240.815

1.821.160

1.571.479

. . Advance payments

18.102

. Total Inventories

3.212.999

2.612.142

2.393.718

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

3.868.295

4.114.455

3.781.144

. . Beyond 12 months

150.640

168.603

90.537

. . Trade receivables

3.613.757

3.744.220

3.598.630

. . . . Within 12 months

3.613.605

3.744.068

3.598.478

. . . . Beyond 12 months

152

152

152

. . Receivables due from subsid. comp.

10.310

10.310

. . . . Within 12 months

10.310

10.310

. . . . 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

283.679

401.551

141.469

. . . . Within 12 months

191.919

309.791

126.632

. . . . Beyond 12 months

91.760

91.760

14.837

. . Receivables for anticipated taxes

92.109

102.236

96.654

. . . . Within 12 months

33.381

25.545

21.106

. . . . Beyond 12 months

58.728

76.691

75.548

. . Receivables due from third parties

29.390

24.741

24.618

. . . . Within 12 months

29.390

24.741

24.618

. . . . Beyond 12 months

. Total Credits not held as fixed assets

4.018.935

4.283.058

3.871.681

. 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

48.198

. Total Financial Assets

48.198

. LIQUID FUNDS

. . Bank and post office deposits

1.958.722

1.857.786

1.638.272

. . Checks

. . Banknotes and coins

696

1.295

1.386

. Total Liquid funds

1.959.418

1.859.081

1.639.658

Total current assets

9.191.352

8.754.281

7.953.255

ADJUSTMENT ACCOUNTS

. Discount on loans

10.818

12.523

16.236

. Other adjustment accounts

Total adjustments accounts

10.818

12.523

16.236

TOTAL ASSETS

12.987.444

12.660.302

11.755.675

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

1.560.000

1.560.000

1.560.000

. Additional paid-in capital

. Revaluation reserves

784.938

784.938

784.938

. Legal reserve

329.178

329.178

329.178

. Reserve for Own shares

. Statute reserves

. Other reserves

2.839.020

2.744.321

2.662.219

. Accumulated Profits (Losses)

. Profit( loss) of the year

166.237

364.699

292.101

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

5.679.373

5.783.136

5.628.436

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

559.941

517.949

471.070

. . Taxation fund, also differed

23.676

31.508

. . Other funds

Total Reserves for Risks and Charges

583.617

549.457

471.070

Employee termination indemnities

897.135

823.587

741.527

ACCOUNTS PAYABLE

. . . . Within 12 months

4.293.029

4.434.036

4.193.237

. . . . Beyond 12 months

1.428.856

960.038

632.982

. . Bonds

. . . . Within 12 months

. . . . Beyond 12 months

. . Convertible bonds repayable

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to shareholders for financing

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to banks

1.636.372

1.151.360

636.208

. . . . Within 12 months

387.376

468.590

360.315

. . . . Beyond 12 months

1.248.996

682.770

275.893

. . Due to other providers of finance

277.267

357.089

449.779

. . . . Within 12 months

97.407

79.821

92.690

. . . . Beyond 12 months

179.860

277.268

357.089

. . Advances from customers

3.700

17.487

. . . . Within 12 months

3.700

17.487

. . . . Beyond 12 months

. . Trade payables

2.853.371

3.029.282

3.018.483

. . . . Within 12 months

2.853.371

3.029.282

3.018.483

. . . . Beyond 12 months

. . Securities issued

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to subsidiary companies

6.000

6.000

. . . . Within 12 months

6.000

6.000

. . . . Beyond 12 months

. . Due to associated companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to holding companies

269.676

209.748

. . . . Within 12 months

269.676

209.748

. . . . Beyond 12 months

. . Due to the tax authorities

115.217

100.920

188.711

. . . . Within 12 months

115.217

100.920

188.711

. . . . Beyond 12 months

. . Due to social security and welfare inst.

211.786

204.593

184.278

. . . . Within 12 months

211.786

204.593

184.278

. . . . Beyond 12 months

. . Other payables

354.496

335.082

325.273

. . . . Within 12 months

354.496

335.082

325.273

. . . . Beyond 12 months

Total accounts payable

5.721.885

5.394.074

4.826.219

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

105.434

110.048

88.423

Total adjustment accounts

105.434

110.048

88.423

TOTAL LIABILITIES

12.987.444

12.660.302

11.755.675

 

 

 

 

 

MEMORANDUM ACCOUNTS

 

Third party goods

Investment accounts

Risk accounts

764.707

1.184.750

Civil and fiscal norms relation

 

 

 

 

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

. Revenues from sales and services

12.865.350

13.337.065

13.232.991

. Changes in work in progress

419.655

249.681

319.722

. Changes in semi-manufact. products

. Capitalization of internal work

. Other income and revenues

380.282

523.831

352.737

. . Contributions for operating expenses

14.622

152.371

1.392

. . Different income and revenues

365.660

371.460

351.345

Total value of production

13.665.287

14.110.577

13.905.450

PRODUCTION COSTS

. Raw material,other materials and consum.

4.548.288

4.728.240

5.111.035

. Services received

. Leases and rentals

5.661.652

5.543.059

5.303.192

. Payroll and related costs

2.560.278

2.515.970

2.404.288

. . Wages and salaries

1.778.211

1.731.159

1.654.789

. . Social security contributions

627.992

631.524

610.320

. . Employee termination indemnities

97.451

105.173

100.709

. . Pension and similar

33.763

33.332

32.423

. . Other costs

22.861

14.782

6.047

. Amortization and depreciation

738.600

681.646

653.935

. . Amortization of intangible fixed assets

105.708

127.492

91.910

. . Amortization of tangible fixed assets

615.269

536.066

544.225

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

17.623

18.088

17.800

. Changes in raw materials

-163.100

31.257

-70.829

. Provisions to risk reserves

. Other provisions

. Other operating costs

90.741

135.113

116.812

Total production costs

13.436.459

13.635.285

13.518.433

Diff. between value and cost of product.

228.828

475.292

387.017

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

22.053

12.416

21.704

. . 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

493

899

. . Financ.income other than the above

22.053

11.923

20.805

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

22.053

11.923

20.805

. Interest and other financial expense

-41.119

-38.438

-28.795

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

41.119

38.438

28.795

Total financial income and expense

-19.066

-26.022

-7.091

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

134.021

152.272

186.702

. . Gains on disposals

. . Other extraordinary income

134.021

152.272

186.702

. Extraordinary expense

-24.427

-21.294

-34.649

. . Losses on disposals

. . Taxes relating to prior years

-6.602

. . Other extraordinary expense

-24.427

-14.692

-34.649

Total extraordinary income and expense

109.594

130.978

152.053

Results before income taxes

319.356

580.248

531.979

. Taxes on current income

153.119

215.549

239.878

. . current taxes

150.824

189.623

285.698

. . differed taxes(anticip.)

2.295

25.926

-45.820

. Net income for the period

166.237

364.699

292.101

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

166.237

364.699

292.101

 

 

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

0,29

0,31

0,32

0,43

Elasticity Ratio

Units

0,71

0,69

0,68

0,55

Availability of stock

Units

0,25

0,21

0,20

0,12

Total Liquidity Ratio

Units

0,46

0,49

0,47

0,40

Quick Ratio

Units

0,15

0,15

0,14

0,01

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

0,41

0,45

0,45

1,49

Self Financing Ratio

Units

0,44

0,46

0,48

0,29

Capital protection Ratio

Units

0,70

0,67

0,67

0,76

Liabilities consolidation quotient

Units

0,54

0,40

0,33

0,29

Financing

Units

1,01

0,93

0,86

2,09

Permanent Indebtedness Ratio

Units

0,62

0,60

0,60

0,47

M/L term Debts Ratio

Units

0,18

0,14

0,12

0,13

Net Financial Indebtedness Ratio

Units

0,00

0,00

0,00

0,66

CORRELATION

Fixed assets ratio

Units

2,11

1,94

1,85

1,13

Current ratio

Units

2,14

1,97

1,90

1,18

Acid Test Ratio-Liquidity Ratio

Units

1,39

1,39

1,33

0,81

Structure's primary quotient

Units

1,50

1,49

1,49

0,65

Treasury's primary quotient

Units

0,46

0,42

0,40

0,02

Rate of indebtedness ( Leverage )

%

228,68

218,92

208,86

347,40

Current Capital ( net )

Value

4.898.323

4.320.245

3.760.018

277.456

RETURN

Return on Sales

%

7,03

7,85

7,15

3,75

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

%

2,93

6,31

5,19

0,03

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

%

5,62

10,03

9,45

0,71

Return on Investment ( R.O.I. )

%

1,76

3,75

3,29

2,25

Return/ Sales

%

1,78

3,56

2,92

2,41

Extra Management revenues/charges incid.

%

72,65

76,73

75,47

15,06

Cash Flow

Value

904.837

1.046.345

946.036

375.939

Operating Profit

Value

228.828

475.292

387.017

75.030

Gross Operating Margin

Value

967.428

1.156.938

1.040.952

984.767

MANAGEMENT

Credits to clients average term

Days

101,12

101,07

97,90

115,37

Debts to suppliers average term

Days

110,12

113,74

104,55

130,42

Average stock waiting period

Days

89,91

70,51

65,12

51,55

Rate of capital employed return ( Turnover )

Units

0,99

1,05

1,13

0,94

Rate of stock return

Units

4,00

5,11

5,53

6,98

Labour cost incidence

%

19,90

18,86

18,17

14,75

Net financial revenues/ charges incidence

%

-0,15

-0,20

-0,05

-2,34

Labour cost on purchasing expenses

%

19,05

18,45

17,79

14,06

Short-term financing charges

%

0,72

0,71

0,60

3,03

Capital on hand

%

100,95

94,93

88,84

105,97

Sales pro employee

Value

160.816

170.988

176.439

268.685

Labour cost pro employee

Value

32.003

32.256

32.057

34.580

 

 

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).

 

The present report is supplied for Your exclusive use and is bond to the general conditions of the contract. Personal Data collection and treatment, reported, are conform to our company's activities and to Your mandate conferred to us by Your request, for the purposes in relation to Marketing Management, Sales and Monetary Administration. It does not contain, nor could contain, information cancelled by a justified opposition right.

 

 

 

Market / Territory Data

 

Population living in the province

:

379.117

Population living in the region

:

3.598.269

Number of families in the region

:

1.474.681

 

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

 

- per food products

:

444

- per non food products

:

2.009

- per energy consume

:

122



Sector Data

 

The values are calculated on a base of 210 significant companies.

The companies cash their credits on an average of 115 dd.

The average duration of suppliers debts is about 130 dd.

The sector's profitability is on an average of 3,75%.

The labour cost affects the turnover in the measure of 14,75%.

Goods are held in stock in a range of 52 dd.

The difference between the sales volume and the resources used to realize it is about 0,94.

The employees costs represent the 14,06% of the production costs.



Statistical Detrimental Data

 

Statistcally the trade activity shows periods of crisis.

The area is statistically considered moderately risky.

In the region 24.960 protested subjects are found; in the province they count to 2.537.

The insolvency index for the region is 0,70, , while for the province it is 0,67.

Total Bankrupt companies in the province : 2.402.

Total Bankrupt companies in the region : 20.423.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.94

UK Pound

1

Rs.98.27

Euro

1

Rs.72.37

 

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

TPT

 

               

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.