MIRA INFORM REPORT

 

 

Report No. :

321445

Report Date :

10.06.2015

 

IDENTIFICATION DETAILS

 

Name :

MAGNESITA REFRATÁRIOS S A

 

 

Registered Office :

Praça Louis Ensch, 240 - Cidade Industrial , 32210-050 - Contagem/Mg

 

 

Country :

Brazil

 

 

Financials (as on) :

31.03.2015

 

 

Date of Incorporation :

26.12.2006

 

 

Legal Form :

Publicly Held Corporation

 

 

Line of Business :

Manufacture of Refractory Ceramic Products.

 

 

No. of Employees :

Not Available

 

 

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 :

--

 

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)

Brazil

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

BRAZIL - ECONOMIC OVERVIEW

 

Characterized by large and well-developed agricultural, mining, manufacturing, and service sectors, and a rapidly expanding middle class, Brazil's economy outweighs that of all other South American countries, and Brazil is expanding its presence in world markets. Since 2003, Brazil has steadily improved its macroeconomic stability, building up foreign reserves, and reducing its debt profile by shifting its debt burden toward real denominated and domestically held instruments. Since 2008, Brazil became a net external creditor and all three of the major ratings agencies awarded investment grade status to its debt. After strong growth in 2007 and 2008, the onset of the global financial crisis hit Brazil in 2008. Brazil experienced two quarters of recession, as global demand for Brazil's commodity-based exports dwindled and external credit dried up. However, Brazil was one of the first emerging markets to begin a recovery. In 2010, consumer and investor confidence revived and GDP growth reached 7.5%, the highest growth rate in the past 25 years. Unemployment is at historic lows and Brazil's traditionally high level of income inequality has declined for each of the last 15 years. Rising inflation led the authorities to take measures to cool the economy in 2011; these actions and the deteriorating international economic situation slowed growth in 2011-14. Brazil’s fiscal and current account balances have eroded during the past three years as the government attempted to boost economic growth through targeted tax cuts for industry and incentives to spur household consumption. President Dilma ROUSSEFF has indicated that her government in her second term will pursue more austere fiscal policies to reduce these imbalances and preserve the country’s credit rating.

 

Source : CIA


Company Name

 

MAGNESITA REFRATÁRIOS S A

 

 

ADDRESSES:

 

MAIN ADDRESS:

PRAÇA LOUIS ENSCH, 240 - CIDADE INDUSTRIAL

ZIP CODE/CITY:

32210-050 - CONTAGEM/MG

 

 

PHONE:

31 3368-1016

FAX:

31 3348-8566

E-MAIL:

magnesita@magnesita.com.br

WEB SITE:

www.magnesita.com.br

 

BRANCHES:

 

 

 

ADDRESS:

RUA BEGÔNIA, 169 - SETOR A - CAMPINA VERDE

ZIP CODE/CITY:

32150-350 CONTAGEM/MG

 

 

ADDRESS:

AVENIDA ALTINO ARANTES - S/Nº. LADO ESQUERDO JUNDIAPEBA

ZIP CODE/CITY:

08750-500 MOGI DAS CRUZES/SP

 

 

ADDRESS:

RUA JORNALISTA ZOLTAN GLUECK, 93

ZIP CODE/CITY:

32210-090 CONTAGEM/MG

 

 

ADDRESS:

RUA APIO CARDOSO, 20

ZIP CODE/CITY:

CONTAGEM/MG

PHONE:

31 3368-1870

 

 

ADDRESS:

RUA DOUTOR EDUARDO DE SOUZA ARANHA, 387 5º ANDAR, CONJUNTO 51 E 52 - VILA NOVA CONCEIÇÃO

ZIP CODE/CITY:

04543-121 SÃO PAULO/SP

PHONE:

11 3152-3202

CNPJ:

08.684.547/0052-05

 

THE COMPANY ALSO HAS OTHER BRANCHES LOCATED IN: BRUMADO/BA, CONCEIÇÃO DO PARÁ/MG, PONTA GROSSA/PR, BOM SUCESSO DE ITARARÉ/SP, MOGI DAS CRUZES/SP, ONÇA DO PITANGUI/MG, ITAMARANDIBA/MG, UBERABA/MG, CUBATÃO/SP, POÇOS DE CALDAS/MG AND JOÃO PINHEIRO/MG.

 

LEGAL DATA:

 

MAIN ACTIVITIES:

 

MANUFACTURE OF REFRACTORY CERAMIC PRODUCTS.

 

LEGAL FORM:

PUBLICLY HELD CORPORATION

 

 

INCORPORATION DATE:

26/12/2006

REGISTER DATE:

26/12/2006

BALANCE SHEET FILING DATE:

31/12

TAX CONTRIBUTOR NUMBER(CNPJ):

08.684.547/0001-65

STATE REGISTER:

001066066.00-16

 

 

SHARE CAPITAL:

R$ 2.528.146.113,65

LAST REGISTER OF CAPITAL:

22/02/2011

 

BOARD OF DIRECTORS:

 

 

 

OCTAVIO CORTES PEREIRA LOPES

PRESIDENT DIRECTOR

EDUARDO GUARDIANO LEME GOTILLA

INVESTORS RELATIONS DIRECTOR

LUIS RODOLFO MARIANI BITTENCOURT

DIRECTOR

JOSÉ ANDRADE DE CASTRO ALVES

DIRECTOR

GILMAR FAVA CARRARA

DIRECTOR

OTÁVIO AUGUSTO CASTRO LUSTOSA NOGUEIRA

DIRECTOR

OTTO ALEXANDRE LEVY REIS

DIRECTOR

LUIZ GUSTAVO PERROTI ROSSATO

DIRECTOR

 

AUTHORIZED USE OF SIGNATURE:

 

THE DIRECTORS ARE AUTHORIZED TO SIGN ON BEHALF OF THE COMPANY.

 

SHAREHOLDERS / PARTNERS:

 

 

 

ALUMINA HOLDINGS, LLC

31,30%

REARDEN L HOLDINGS 3 A.S.R.L.

7,42%

GUEPARDO INVESTIMENTOS

5,19%

MAG FUNDO DE INV. EM PARTICIPAÇÕES

3,37%

GPCP4 - FUNDO DE INVESTIMENTOS EM PARTICIPAÇÕES

0,40%

THE BOSTON COMPANY ASSET MANAGEMENT LLC

5,07%

OTHERS

47,25%

 

AFFILIATES / SUBSIDIARIES:

 

 

 

ILIAMA II TRADING (SOCIEDADE UNIPESSOAL) LDA

100,00%

MAGNESITA GRUNDSTUCKS BETEILIGUNGS GMBH

100,00%

METAL DATA S.A. - MINERAÇÃO E METALURGIA

50,00%

MAGNESITA INSIDER REFRATÁRIOS LTDA.

100,00%

MAG-TEC LTDA.

100,00%

RASA - REFRACTARIOS ARGENTINOS S.A. I. C. Y M.

100,00%

REFRACTÁRIOS MAGNESITA COLÔMBIA S.A

100,00%

REFRACTÁRIOS MAGNESITA DEL PERU S.A.C.

100,00%

REFRACTÁRIOS MAGNESITA URUGUAY S.A.

100,00%

MAGNESITA FINANCE LTD

100,00%

MMD ARAÇUAÍ HOLDING LTDA.

90,00%

 

COMPANY'S BACKGROUND:

 

RPAR HOLDING S/A WAS ESTABLISHED ON DECEMBER 26, 2006 TO BE A HOLDING COMPANY. ON AUGUST 06, 2007 THE SHAREHOLDERS' MEETING APPROVED THE ALTERATION OF THE SUBJECT'S CORPORATE NAME FROM SIBAÚMA PARTICIPAÇÕES S.A. TO RPAR HOLDING S.A. AND THEN TO MAGNESITA REFRATARIOS S/A.

 

FROM DECEMBER 11, 2006 TO SEPTEMBER 26, 2007 THE COMPANY DID NOT GENERATE ANY REVENUE.

 

ON SEPTEMBER 27, 2007 THE COMPANY COMPLETED THE ACQUISITION OF SHARES OF 70,7% OF THE VOTING SHARE CAPITAL OF MAGNESITA S.A. AND 3,1% OF PREFERRED SHARES, TOTALING 38,6% OF THE SHARE CAPITAL OF MAGNESITA S/A.

 

IN DECEMBER 2007 THE SUBJECT CARRIED OUT A PUBLIC OFFERING TO ACQUIRE COMMON SHARES OF DA MAGNESITA S.A., REPRESENTING 29,27% OF THE VOTING CAPITAL AND 15,39% OF THE SOCIAL CAPITAL.

 

ON FEBRUARY 20, 2008 THE COMPANY TOOK OVER ITS WHOLE-OWNED SUBSIDIARY PARTIMAG S.A.

 

ON FEBRUARY 21, 2008 THE COMPANY MAGNESITA REFRATARIOS S/A TOOK OVER THE COMPANY MAGNESITA S.A. (FOUNDED ON JULY 13, 1940) CNPJ 19.791.268/0001-17. AND ADOPTED THE CURRENT CORPORATE NAME.

 

ON APRIL 30, 2008 THE SUBJECT TOOK OVER THE FOLLOWING COMPANIES:

 

IKERA INDUSTRIA E COMERCIO LTDA - CNPJ 18.751.883/0001-37;

MAGNESITA SERVICE LTDA - CNPJ 20.466.512/0001-55;

RISA - REFRATÁRIOS E ISOLANTES LTDA - CNPJ 19.791.334/0001-59;

REFRATEC PRODUTOS ELETROFUNDIDOS LTDA - CNPJ 20.128.609/0001-58;

REFRATEC PARTICIPAÇÕES LTDA - CNPJ 06.165.397/0001-58;

SÃO JOSE ADMINISTRAÇÃO DE MATÉRIAS PRIMAS - CNPJ 60.681.160/0001-75;

RISA MATERIAIS CERÂMICOS LTDA - CNPJ 07.886.734/0001-69.

 

ON NOVEMBER 05, 2008 THE COMPANY TOOK OVER PURUS PARTICIPAÇÕES LTDA.

 

FURTHER DETAILS ABOUT THE SUBJECT'S HISTORY ARE SO FAR NOT KNOWN.

 

PUBLIC INFORMATION:

 

PROTESTS:

 

54  PROTESTS,TOTAL AMOUNT R$ 108.245,74

    DATE OF FIRST PROTEST: DECEMBER/2012  R$ 375,00

    DATE OF HIGHEST PROTEST: JUNE/2015  R$ 12.313,35

 

DETAILS OF LATEST PROTESTS:

 

NOTARY OFFICE:

DATE:

VALUE:

1º CARTORIO DE RJ-RESENDE

12/05/2015

R$ 44,10

1º CARTÓRIO DE SP-CUBATÃO

02/06/2015

R$ 12.313,35

2º CARTÓRIO DE RJ-BARRA MANSA

27/05/2015

R$ 255,78

1º CARTÓRIO DE SP-CUBATÃO

12/05/2015

R$ 211,86

CARTÓRIO DE MG-CONTAGEM

11/05/2015

R$ 586,04

 

LAWSUITS:

 

 

 

DATE:

COURT OF LAW:

 

2

FEDERAL LAWSUITS

07/10/14

3ª VARA DE MG-CONTAGEM

4

STATE LAWSUITS

26/06/14

VARA DE BA-BRUMADO

3

MUNICIPAL LAWSUITS

22/09/14

VARA DE SP-PIRACICABA

 

 

FINANCIAL INFORMATION:

 

GENERAL BALANCE SHEETS AS OF 31/03/2015, 31/12/2014 AND 31/12/2013.

( FIGURES ARE IN THOUSANDS OF REAIS ).

 

ASSETS

 

 

 

CURRENT:

31/03/2015

31/12/2014

31/12/2013

 

 

 

 

CASH AND BANKS

261.616

102.766

719.976

INVESTMENTS

26.620

26.100

11.596

CLIENTS

509.465

485.198

409.169

INVENTORY

321.590

318.461

308.618

RECOVERABLE TAXES

49.202

54.606

122.949

DISPOSAL OF REAL ESTATE

 

 

5.018

OTHER CREDITS

15.193

23.877

26.055

PRE PAID EXPENSES

4.504

 

 

 

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

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

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

TOTAL CURRENT ASSETS

1.188.190

1.011.008

1.603.381

 

LONG-TERM RECEIVABLES:

 

 

 

 

 

 

 

JUDICIAL DEPOSITS

15.620

15.007

16.988

ACCOUNTS RECEIVABLES

6.226

6.410

7.125

INTERCOMPANY CREDITS

63.557

58.052

49.628

OTHER CREDITS

52.739

49.278

16.391

DEFERRED TAXES

 

485

 

INVESTMENTS

3.266

 

 

 

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

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

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

TOTAL LONG-TERM RECEIVABLES

141.408

129.232

90.132

 

FIXED ASSETS:

 

 

 

 

 

 

 

INVESTMENTS

1.937.282

1.894.130

1.471.635

FIXED ASSETS

721.880

714.613

657.178

INTANGIBLE

1.084.223

1.084.807

1.084.939

 

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

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

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

TOTAL FIXED ASSETS

3.743.385

3.693.550

3.213.752

 

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

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

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

TOTAL ASSETS

5.072.983

4.833.790

4.907.265

 

LIABILITIES:

 

 

 

CURRENT:

31/03/2015

31/12/2014

31/12/2013

 

 

 

 

LOANS AND FINANCING

230.713

205.238

38.137

SUPPLIERS

161.517

167.983

195.279

TAX LIABILITIES

20.245

18.793

17.011

DIVIDENDS

352

353

13.403

SOCIAL / LABOR OBLIGATIONS

64.121

58.227

65.301

ACCOUNTS PAYABLE

158.560

81.311

29.727

OTHER DEBTS

 

31.486

40.306

 

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

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

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

TOTAL CURRENT LIABILITIES

635.508

563.391

399.164

 

LONG TERM LIABILITIES:

 

 

 

 

 

 

 

LOANS AND FINANCING

1.400.912

1.266.849

1.367.129

PROVISIONS

39.888

38.542

38.502

DEFERRED TAXES

2.019

 

33.813

OTHER

90.690

88.640

64.217

 

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

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

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

TOTAL LONG TERM LIABILITIES

1.533.509

1.394.031

1.503.661

 

NET EQUITY:

 

 

 

 

 

 

 

SHARE CAPITAL

2.528.146

2.528.146

2.528.146

CAPITAL RESERVES

213.923

213.649

234.794

PROFIT RESERVES

23.199

23.199

119.008

COMPREHENSIVE INCOME

165.798

111.374

122.492

ACCRUED PROFIT (LOSS)

-27.100

 

 

 

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

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

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

TOTAL NET EQUITY

2.903.966

2.876.368

3.004.440

 

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

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

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

TOTAL LIABILITIES

5.072.983

4.833.790

4.907.265

 

PROFIT AND LOSS ACCOUNTS AS OF 31/03/2015, 31/12/2014 AND 31/12/2013.

( FIGURES ARE IN THOUSANDS OF REAIS ).

 

 

31/03/2015

31/12/2014

31/12/2013

 

 

 

 

NET SALES

392.494

1.383.546

1.299.412

(-) COST OF SOLD GOODS

261.399

970.563

858.328

 

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

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

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

GROSS PROFIT

131.095

412.983

441.084

OPERATING REVENUE (EXPENSE)

-106.269

-425.709

-276.953

FINANCIAL REVENUE(EXPENSE)

-47.246

-109.899

-88.660

 

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

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

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

OPERATIONAL PROFIT (LOSS)

-22.420

-122.625

75.471

CONTRIBUTION/INCOME TAX

-4.680

26.816

-20.032

 

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

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

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

NET PROFIT (LOSS)

-27.100

-95.809

55.439

 

RATIOS:

31/03/2015

31/12/2014

31/12/2013

 

QUICK RATIO

1,36

 

1,23

 

3,24

 

CURRENT RATIO

1,87

 

1,79

 

4,02

 

ACCOUNTS RECEIVABLE TURNOVER

,77

TIMES

2,85

TIMES

3,18

TIMES

DAYS' SALES IN RECEIVABLES

116,82

DAYS

126,25

DAYS

113,36

DAYS

INVENTORY TURNOVER

,81

TIMES

3,05

TIMES

2,78

TIMES

ACCOUNTS PAYABLE PERIOD

55,61

DAYS

62,31

DAYS

81,90

DAYS

RETURN ON ASSETS

,08

TIMES

,29

TIMES

,26

TIMES

SALES TURNOVER ON NET EQUITY

,14

TIMES

,48

TIMES

,43

TIMES

NET WORTH TIE-UP

,25

 

,25

 

,22

 

INDEBTEDNESS

,75

 

,68

 

,63

 

EQUITY RATIO

57,24

%

59,51

%

61,22

%

WORKING CAPITAL RATIO

86,97

%

79,45

%

301,68

%

GENERAL SOLVENCY

2,34

 

2,47

 

2,58

 

RETURN ON NET EQUITY

-,93

%

-3,33

%

1,85

%

RETURN ON SALES (PROFIT MARGIN)

-6,90

%

-6,92

%

4,27

%

GROSS PROFIT MARGIN

33,40

%

29,85

%

33,94

%

OPERATIONAL RESULT

-5,71

%

-8,86

%

5,81

%

SALES TURNOVER ON LIABILITIES

,62

TIMES

2,46

TIMES

3,26

TIMES

FOREIGN CURRENCY ON ASSETS

 

 

 

 

 

 

FOREIGN CURRENCY ON LIABILITIES

 

 

 

 

 

 

 

EXCHANGE RATE:

 

 

US$ 1,00 = R$ 3,11

 - OFFICIAL RATE ON 08/06/2015

US$ 1,00 = R$ 3,20

 - OFFICIAL RATE ON 31/03/2015

US$ 1,00 = R$ 2,65

 - OFFICIAL RATE ON 31/12/2014

US$ 1,00 = R$ 2,34

 - OFFICIAL RATE ON 31/12/2013

 

COMMENTS ON THE FINANCIAL INFORMATION:

 

FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS.

 

THE ANNUAL FIGURES FOR 2014 A SATISFACTORY FINANCIAL STANDING. IT HAD GOOD LIQUIDITY RATIOS AND GOOD WORKING CAPITAL, AS WELL AS ACCEPTABLE LEVEL OF INDEBTEDNESS. SALES GREW BUT POSTED LOSS DUE TO THE HIGH OPERATING AND FINANCIAL EXPENSES.

 

THE QUARTERLY FIGURES FOR MARCH 2015 SHOW THAT THE INDEBTEDNESS KEEPS ACCEPTABLE AND THE LIQUIDITY GOOD. IT SHOWS GROWING SALES TREND BUT THE HIGH FINANCIAL EXPENSES DROVE THE COMPANY TO MAKE LOSS.

 

REAL ESTATE:

 

   OWNED PREMISES ARE VALUED AT R$ 486.544.000,00

 

VEHICLES:

 

   NOT AVAILABLE

 

MACHINES:

 

   OWNED MACHINES AND EQUIPMENTS ARE VALUED AT R$ 565.851.000,00

 

INSURANCE:

 

THE COMPANY AND ITS SUBSIDIARIES HAVE INSURANCE POLICIES WHICH COVERS OPERATIONAL RISKS OVER ITS INDUSTRIAL PLANTS, MACHINERY AND INVENTORIES. IT ALSO COVERS CEASING PROFIT, FIRE, FLOODING AND OTHER EVENTS AS SHOWED ON MARCH 31, 2015.

 

COVERAGE:

INSURED AMOUNT

VALUE:

R$ 3.387.644.000,00

 

 

COVERAGE:

CEASING PROFIT

VALUE:

R$ 973.033.000,00

 

 

COVERAGE:

CIVIL LIABILITY

VALUE:

R$ 325.887.000,00

 

BANKING REFERENCES:

 

 

BRANCH/PHONE:

CITY:

BANCO BRADESCO S/A

31 3361-7588

CONTAGEM/MG

BANCO DO BRASIL S/A

31 3248-7900

BELO HORIZONTE/MG

 

REMARKS: IN BRAZIL THE BANKS ARE PROHIBITED BY LAW TO PROVIDE INFORMATION OR ANY KIND OF COMMENTS ABOUT THEIR CLIENTS. DUE TO THIS LAW PROHIBITION WE ARE UNABLE TO PROVIDE ANY BANKING DETAILS.

 

ACCORDING TO THE CENTRAL BANK OF BRAZIL OFFICIAL REPORT, THE COMPANY HAS NO RETURNED CHECKS UP TO DATE. (IN THE TERMS OF "CIRCULAR 1682 BRAZILIAN CENTRAL BANK"). DATE RESEARCHED: JUNE 08, 2015.

 

ACTIVITIES COMMENTS:

 

MANUFACTURE OF REFRACTORY CERAMIC PRODUCTS.

 

IMPORT AND EXPORT:

 

   IMPORTS FROM:

NOT AVAILABLE.

 

   EXPORTS TO:

NOT AVAILABLE.

 

MAIN CLIENTS:

 

 

 

 

 

DOMESTIC CLIENTS:

 

 

ARCELOR BRASIL

 

 

CIA SIDERÚRGICA NACIONAL - CSN

 

 

CIA SIDERÚRGICA PAULISTA - COSIPA

 

 

GRUPO GERDAU

 

 

USINAS SID. DE MINAS GERAIS S/A - USIMINAS

 

 

 

STAFF:

 

   NOT AVAILABLE

 

CONCEPT AND FULFILMENT:

 

THE SUBJECT IS A WELL ESTABLISHED COMPANY BUT TOOK OVER THE ACTIVITIES OF A COMPANY WHICH ACTIVITIES DATE BACK TO 1940. SO FAR IT HAS A CLEAR TRADE HISTORY AND SATISFACTORY PAYMENT BEHAVIOR.

 

THE COMPANY HAS TRADE RELATIONS WITH SEVERAL SUPPLIERS IN BRAZIL. THE SUPPLIERS EXTEND CREDIT FACILITIES TO THE SUBJECT IN TERMS AND AMOUNTS ACCORDING TO THE COMPANY'S NEEDS AND SO FAR NO PAYMENT PROBLEMS ARE NOTED.

 

THE LAWSUITS REPORTED ARE NOT RELATED WITH TRADE DEBTS. THEY ARE RELATED TO TAX DEBTS THAT FOR ANY REASON THE COMPANY HAS NOT YET PAID. NEVERTHELESS WE POINT OUT THAT THE SAID LAWSUITS DO NOT AFFECT THE COMPANY'S TRADE REPUTATION.

 

OUR INVESTIGATION THROUGH THE PUBLIC SHOWED SOME DETRIMENTAL FILES REGISTERED AGAINST THE SUBJECT BUT DUE TO THE SUBJECT'S HIGH FINANCIAL STRENGTH AND HIGH SCALE OF OPERATIONS THE DETRIMENTAL FILES DO NOT AFFECT ITS TRADE REPUTATION.

 

MAIN SUPPLIERS:

 

 

 

 

 

DOMESTIC SUPPLIERS:

 

 

ALCOA ALUMÍNIO S/A

 

 

ELFUSA GERAL DE ELETROFUSÃO LTDA

 

 

FERROVIA CENTRO ATLÂNTICA S/A

 

 

NACIONAL DE GRAFITE LTDA

 

 

PERSTORP DO BRASIL IND. E COM. LTDA

 

 

SAINT GOBAIN MATS. CERÂMICOS LTDA

 

 

 

PAYMENT HISTORY:

 

14 SUPPLIERS REPORTED PAYMENTS:

   TOTAL AMOUNT:  R$ 1.069.709,00

 

AMOUNT OF INVOICES PAID: 478

TOTAL OF PROMPT PAYMENTS: 68%

TOTAL OF DELAYED PAYMENTS: 32%

 

HIGHEST INVOICE: R$ 125.000,00

HIGHEST CREDIT: R$ 125.000,00

 

OUTSTANDING INVOICES DUE WITHIN THE NEXT 30 DAYS:

 

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

SUPPLIERS:

INVOICES:

TOTAL AMOUNT:

DUE WITHIN 30 DAYS

4

31

R$ 78.102,33

 

FINAL OPINION:

 

THE SUBJECT IS A WELL-ESTABLISHED COMPANY. IT SHOWS A CLEAR TRADE HISTORY AND SATISFACTORY PAYMENT BEHAVIOR.

 

BASED ON THE GENERAL INFORMATION AVAILABLE IT IS BELIEVED THAT GOOD TRADE RELATIONS MAY BE ESTABLISHED. CREDIT FACILITIES MAY BE EXTENDED WITHIN TERMS AND AMOUNTS ADEQUATE TO THE COMPANY'S FINANCIAL STRENGTH.

 

HIGHER AMOUNTS CAN BE GRANTED DEPENDING ON THE IMPORTANCE OF THE ACTIVITIES BEING ESTABLISHED WITH THE SUBJECT.

 


 

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 :

DIV

 

 

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.