MIRA INFORM REPORT

 

 

Report No. :

327360

Report Date :

24.06.2015

 

IDENTIFICATION DETAILS

 

Name :

CARRARO S.R.L.

 

 

Registered Office :

Via Sansovino, 0014, 20133 – Milano (MI) -IT-

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

19.05.1980

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Manufacture of Other Taps and Valves.

 

 

No. of Employees :

From 71 to 90

 

 

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 – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Italy

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

ITALY - ECONOMIC OVERVIEW

 

Italy has a diversified economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, where unemployment is higher. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family-owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but its exceptionally high public debt and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, topping 132% of GDP in 2014, but investor concerns about Italy and the broader euro-zone crisis eased in 2013, bringing down Italy's borrowing costs on sovereign government debt from euro-era. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's long-standing structural impediments to growth, such as labor market inefficiencies and tax evasion. In 2014 economic growth and labor market conditions continued to deteriorate, with overall unemployment rising to 12.2% and youth unemployment around 40%. Italy's GDP is now nearly 10% below its 2007 pre-crisis level.

 

Source : CIA

 


Company Name & address

 

CARRARO S.R.L.

Via Sansovino, 0014

20133 – Milano (MI) -IT-

 

 

Summary

 

Fiscal Code

:

04825610159

Legal Form

:

Limited liability company

Foundation Date

:

19/05/1980

Equity

:

1.000.000

Turnover Range

:

10.000.000/12.750.000

Number of Employees

:

from 71 to 90

 

 

Activity

 

Manufacture of other taps and valves

 

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 04825610159

 

Foreign Trade Reg. no. : MI159976 since 26/05/1992

 

Foreign Trade Reg. no. : 159976 of Milano since 26/05/1992

 

Chamber of Commerce no. : 1043015 of Milano since 24/06/1980

 

Firms' Register : MI146-201886 of Milano since 19/02/1996

 

V.A.T. Code : 04825610159

 

Tribunal Co. Register : 201886 of

 

Foundation date

: 19/05/1980

Establishment date

: 19/05/1980

Legal duration

: 31/12/2050

Nominal Capital

: 520.000

Subscribed Capital

: 520.000

Paid up Capital

: 520.000

 

Legal mail :

CARRARO@PEC.CARRAROVALVOLE.COM

 

Members

Carraro

Giovanni

 

Born in Milano

(MI)

on 20/05/1963

- Fiscal Code : CRRGNN63E20F205S

 

Residence:

Ozanam

, 9

- 20100

Milano

(MI)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

26/06/2006

Managing Director

04/09/2006

 

No Prejudicial events are reported

 

No Protests registered

 

Carraro

Antonio Maria

 

Born in Milano

(MI)

on 31/07/1951

- Fiscal Code : CRRNNM51L31F205P

 

Residence:

Garofalo

, 4

- 20100

Milano

(MI)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

26/06/2006

Board Chairman

04/09/2006

 

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.

 

Carraro

Giovanni

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

Tityre Di Marco Tordelli E C. S.a.s.

Milano (MI) - IT -

03147660157

Limited Partner

Withdrawn

Registered

Abidue S.r.l.

Milano (MI) - IT -

03630110967

Director

Active

Registered

 

Carraro

Antonio Maria

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

Abidue S.r.l.

Milano (MI) - IT -

03630110967

Director

Active

Registered



The indication "REGISTERED" as Firm Status could refer to Firms in Liquidation, Active, Inactive, etc.

For more information, in this case, we advise to request further investigations.




Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Carraro Giovanni

Milano - IT -

CRRGNN63E20F205S

260.000 .Eur

50,00

Carraro Antonio Maria

Milano - IT -

CRRNNM51L31F205P

260.000 .Eur

50,00


Direct Participations

 

The Company under review has no participations in other Companies.


Firm's location and structure

 

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

 

-

Legal and operative seat

since 19/05/1980

 

Sansovino

, 0014

- 20100

- Milano

(MI)

- IT -

 

PHONE

: 022699121

 

FAX

: 0226922452

 

Legal mail

: CARRARO@PEC.CARRAROVALVOLE.COM

 

-

Branch

(Factory)

since 19/05/1980

 

Enrico Fermi

, 22

- 20090

- Segrate

(MI)

- IT -

 

PHONE

: 0226991228

 

Employees

: 74

 

Fittings and Equipment for a value of 480.000

Eur

 

Stocks for a value of 2.500.000

Eur

 

Trade organization: direct or by agents.

Sales area on a national scale.

 

Import comes generally from the following nations:

- France

 

- Germany

 

 

Historical Information and/or Firm's Status

 

COMPANY STYLE MODIFICATIONS:

 

Former Style

New Style

Changement Date

Abilis S.r.l.

Carraro S.r.l.

01/01/1993

 

CEASINGS/INCORPORATIONS/MERGES:

 

The firm absorbed by merging of

 

GITOPAGIOVA S.R.L.

 

Sansovino

, 14

, 20100

, Milano

(MI)

- IT -

 

Date

:

30/10/1991

 

The firm absorved

 

G.U.F.I. Spa

 

, MILANO

- IT -

 

Date

:

16/12/1980

 

The firm absorved

 

G.U.F.I. SPA

 

, MILANO

- IT -

 

Date

:

16/12/1980

 

The firm absorved

 

GITOPAGIOVA S.R.L.

 

Sansovino

, 14

, 20100

, Milano

(MI)

- IT -

 

Date

:

30/10/1991

 

The firm absorbed by merging of

 

G.U.F.I. SPA

 

, 20100

, Milano

(MI)

- IT -

 

Date

:

16/12/1980

 

Splitting-up project and setting-up of new co

 

Date

Merging/Splitting-up Project-New Company:

22/03/2002

 

Splitting-up and setting-up of a new company

 

ABIDUE S.R.L.

 

, Milano

- IT -

 

Date

Splitting-up:

18/07/2002


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 1980.

The analysis is based on the latest 3 balance sheets.

During the last years, it recorded positive net results (r.o.e. 15,92% in 2013) with a remarkable upward trend (+10,9% on 2013 compared to 2012 and +6,91% on 2012 compared to 2011).

The return on Investment in the last financial year was positive (5,31%) and in line with the sector's average.

The amount of the operating result for the year 2013 is of Eur. 396.662 with a -26,53% drop.

The gross operating margin of the latest financial year is of Eur. 630.587 , with a -22,59% decrease.

The analysis shows a fair financial position as the indebtedness volume is acceptable (3,14) with an improving trend as on the decrease.

The equity capital is equal to Eur. 929.174 , unchanged as opposed to the preceding year.

During the last financial year total debts volume reached Eur. 4.687.509 (Eur. 1.268.172 were m/l term ones) showing a stable trend as opposed to 2012 (Eur. 4.349.779).

Companys' indebtedness is fairly high in relation to its net worth; payments average period is slow even in comparison with the sector's.

Liquid assets are good.

Trade credits average terms are slow, on average 124,12 days. even higher than the average of the specific sector.

2013 financial year closed with a cash flow of Eur. 381.839

During 2013 financial year labour costs amounted to Eur. 3.844.444, with a 35,02% incidence on production costs. and a 36,34% incidence on sales volumes.

The incidence of the financial charges is of -0,01% on the sales amount.

 

 

Financial Data

 

Complete balance-sheet for the year

al 31/12/2013

(in Eur

x 1)

 

Item Type

Value

Sales

10.580.097

Profit (Loss) for the period

147.914

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

9.540.109

Profit (Loss) for the period

288.686

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

8.922.816

Profit (Loss) for the period

10.546

 

Complete balance-sheet for the year

al 31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

8.799.587

Profit (Loss) for the period

-82.753

 

Complete balance-sheet for the year

al 31/12/2009

(in Eur

x 1)

 

Item Type

Value

Sales

9.138.650

Profit (Loss) for the period

-48.524




Balance Sheets

 

From our constant monitoring of the relevant Public Administration offices, no more recent balance sheets result to have been filed.

 

- Balance Sheet as at 31/12/2013 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2011 - 12 Mesi - Currency: - Amounts x 1

 

Years

2013

2012

2011

BALANCE SHEET ACCOUNTS

 

ASSETS

CREDITS VS PARTNERS

. Deposits not yet withdrawn

. Deposits already withdrawn

Total credits vs partners

FIXED ASSETS

. INTANGIBLE FIXED ASSETS

. . Start-up and expansion expenses

. . Research,develop. and advert.expens.

. . Industrial patent rights

. . Concessions,licenses,trademarks,etc.

. . Goodwill

. . Assets in formation and advance paymen.

. . Other intangible fixed assets

151.485

218.737

267.362

. Total Intangible Fixed Assets

151.485

218.737

267.362

. TANGIBLE FIXED ASSETS

. . Real estate

. . Plant and machinery

. . Industrial and commercial equipment

477.151

499.325

516.249

. . Other assets

. . Assets under construction and advances

. Total Tangible fixed assets

477.151

499.325

516.249

. FINANCIAL FIXED ASSETS

. . Equity investments

. . . Equity invest. in subsidiary companies

. . . Equity invest. in associated companies

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

. . Financial receivables

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivab due from subsidiaries

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from assoc.comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from third parties

. . . . Within 12 months

. . . . Beyond 12 months

. . Other securities

. . Own shares

. . . Total nominal value

. Total financial fixed assets

Total fixed assets

628.636

718.062

783.611

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

2.502.797

2.438.028

2.396.595

. . Work in progress and semimanufactured

. . Work in progress on order

. . Finished goods

. . Advance payments

. Total Inventories

2.502.797

2.438.028

2.396.595

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

3.813.442

3.444.231

3.619.792

. . Beyond 12 months

76.663

. . Trade receivables

3.647.724

3.290.863

3.619.792

. . . . Within 12 months

3.647.724

3.290.863

3.619.792

. . . . Beyond 12 months

. . Receivables due from subsid. comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from assoc. comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Fiscal Receivables

143.167

143.167

. . . . Within 12 months

143.167

143.167

. . . . Beyond 12 months

. . Receivables for anticipated taxes

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from third parties

22.551

10.201

76.663

. . . . Within 12 months

22.551

10.201

. . . . Beyond 12 months

76.663

. Total Credits not held as fixed assets

3.813.442

3.444.231

3.696.455

. FINANCIAL ASSETS

. . Equity invest. in subsidiary comp.

. . Equity invest. in associated companies

. . Equity invest. in holding companies

. . Other equity investments

. . Own shares

. . . Total nominale value

. . Other securities

. Total Financial Assets

. LIQUID FUNDS

. . Bank and post office deposits

501.738

167.808

12.769

. . Checks

. . Banknotes and coins

127

1.160

506

. Total Liquid funds

501.865

168.968

13.275

Total current assets

6.818.104

6.051.227

6.106.325

ADJUSTMENT ACCOUNTS

. Discount on loans

24.497

507

. Other adjustment accounts

52.992

Total adjustments accounts

24.497

507

52.992

TOTAL ASSETS

7.471.237

6.769.796

6.942.928

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

520.000

520.000

520.000

. Additional paid-in capital

. Revaluation reserves

226.942

55.337

55.337

. Legal reserve

34.318

34.318

34.318

. Reserve for Own shares

. Statute reserves

. Other reserves

. Accumulated Profits (Losses)

-117.080

-127.628

. Profit( loss) of the year

147.914

288.686

10.546

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

929.174

781.261

492.573

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

. . Taxation fund, also differed

. . Other funds

Total Reserves for Risks and Charges

Employee termination indemnities

1.584.503

1.474.582

1.440.352

ACCOUNTS PAYABLE

. . . . Within 12 months

3.419.337

3.336.671

4.777.869

. . . . Beyond 12 months

1.268.172

1.013.108

64.413

. . Bonds

. . . . Within 12 months

. . . . Beyond 12 months

. . Convertible bonds repayable

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to shareholders for financing

976.000

1.000.000

. . . . Within 12 months

. . . . Beyond 12 months

976.000

1.000.000

. . Due to banks

482.172

290.520

1.534.864

. . . . Within 12 months

190.000

277.412

1.470.451

. . . . Beyond 12 months

292.172

13.108

64.413

. . Due to other providers of finance

. . . . Within 12 months

. . . . Beyond 12 months

. . Advances from customers

. . . . Within 12 months

. . . . Beyond 12 months

. . Trade payables

2.968.950

2.701.745

2.730.452

. . . . Within 12 months

2.968.950

2.701.745

2.730.452

. . . . Beyond 12 months

. . Securities issued

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to subsidiary companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to associated companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to holding companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to the tax authorities

62.965

176.321

94.323

. . . . Within 12 months

62.965

176.321

94.323

. . . . Beyond 12 months

. . Due to social security and welfare inst.

172.161

155.518

159.664

. . . . Within 12 months

172.161

155.518

159.664

. . . . Beyond 12 months

. . Other payables

25.261

25.675

322.979

. . . . Within 12 months

25.261

25.675

322.979

. . . . Beyond 12 months

Total accounts payable

4.687.509

4.349.779

4.842.282

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

270.051

164.174

167.721

Total adjustment accounts

270.051

164.174

167.721

TOTAL LIABILITIES

7.471.237

6.769.796

6.942.928

 

 

 

 

 

MEMORANDUM ACCOUNTS

 

Third party goods

Investment accounts

Risk accounts

Civil and fiscal norms relation

 

 

 

 

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

. Revenues from sales and services

10.580.097

9.540.109

8.922.816

. Changes in work in progress

94.538

-8.455

330.249

. Changes in semi-manufact. products

. Capitalization of internal work

. Other income and revenues

701.105

711.163

394.118

. . Contributions for operating expenses

. . Different income and revenues

701.105

711.163

394.118

Total value of production

11.375.740

10.242.817

9.647.183

PRODUCTION COSTS

. Raw material,other materials and consum.

4.010.455

3.477.898

3.346.156

. Services received

2.017.373

. Leases and rentals

2.442.326

2.116.061

4.440

. Payroll and related costs

3.844.444

3.634.340

3.550.910

. . Wages and salaries

2.792.512

2.618.219

2.526.164

. . Social security contributions

840.937

797.644

806.713

. . Employee termination indemnities

210.995

218.477

218.033

. . Pension and similar

. . Other costs

. Amortization and depreciation

233.925

274.676

211.537

. . Amortization of intangible fixed assets

91.452

100.516

92.155

. . Amortization of tangible fixed assets

127.110

160.081

103.014

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

15.363

14.079

16.368

. Changes in raw materials

29.769

-49.888

-20.788

. Provisions to risk reserves

. Other provisions

. Other operating costs

418.159

249.766

269.325

Total production costs

10.979.078

9.702.853

9.378.953

Diff. between value and cost of product.

396.662

539.964

268.230

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

28.236

23.564

6.589

. . Financ.income from receivables

. . . Towards subsidiary companies

. . . Towards associated companies

. . . Towards holding companies

. . . Towards other companies

. . Financ.income from secur. t.f.assets

. . Financ.income from secur. cur.assets

. . Financ.income other than the above

28.236

23.564

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

28.236

23.564

. Interest and other financial expense

-29.647

-49.789

-68.684

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

29.647

49.789

Total financial income and expense

-1.411

-26.225

-62.095

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

. . Gains on disposals

. . Other extraordinary income

. Extraordinary expense

. . Losses on disposals

. . Taxes relating to prior years

. . Other extraordinary expense

Total extraordinary income and expense

Results before income taxes

395.251

513.739

206.135

. Taxes on current income

247.337

225.053

195.589

. . current taxes

247.337

225.053

195.589

. . differed taxes(anticip.)

. Net income for the period

147.914

288.686

10.546

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

147.914

288.686

10.546

 

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

0,08

0,11

0,11

0,26

Elasticity Ratio

Units

0,91

0,89

0,88

0,73

Availability of stock

Units

0,33

0,36

0,35

0,23

Total Liquidity Ratio

Units

0,58

0,53

0,53

0,44

Quick Ratio

Units

0,07

0,02

0,00

0,02

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

3,14

4,05

9,67

1,74

Self Financing Ratio

Units

0,12

0,12

0,07

0,29

Capital protection Ratio

Units

0,28

-0,04

-0,08

0,64

Liabilities consolidation quotient

Units

0,83

0,75

0,31

0,22

Financing

Units

5,04

5,57

9,83

2,30

Permanent Indebtedness Ratio

Units

0,51

0,48

0,29

0,46

M/L term Debts Ratio

Units

0,38

0,37

0,22

0,11

Net Financial Indebtedness Ratio

Units

1,03

1,44

3,09

0,49

CORRELATION

Fixed assets ratio

Units

6,02

4,55

2,55

1,63

Current ratio

Units

1,99

1,81

1,28

1,32

Acid Test Ratio-Liquidity Ratio

Units

1,26

1,08

0,78

0,86

Structure's primary quotient

Units

1,48

1,09

0,63

1,05

Treasury's primary quotient

Units

0,15

0,05

0,00

0,04

Rate of indebtedness ( Leverage )

%

804,07

866,52

1409,52

349,01

Current Capital ( net )

Value

3.398.767

2.714.556

1.328.456

753.266

RETURN

Return on Sales

%

3,61

5,91

2,49

5,13

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

%

15,92

36,95

2,14

7,27

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

%

42,54

65,76

41,85

15,95

Return on Investment ( R.O.I. )

%

5,31

7,98

3,86

5,36

Return/ Sales

%

3,75

5,66

3,01

5,57

Extra Management revenues/charges incid.

%

37,29

53,46

3,93

42,11

Cash Flow

Value

381.839

563.362

222.083

344.143

Operating Profit

Value

396.662

539.964

268.230

359.008

Gross Operating Margin

Value

630.587

814.640

479.767

705.726

MANAGEMENT

Credits to clients average term

Days

124,12

124,18

146,04

101,37

Debts to suppliers average term

Days

165,64

173,87

183,12

115,52

Average stock waiting period

Days

85,16

92,00

96,69

80,62

Rate of capital employed return ( Turnover )

Units

1,42

1,41

1,29

1,07

Rate of stock return

Units

4,23

3,91

3,72

4,40

Labour cost incidence

%

36,34

38,10

39,80

16,91

Net financial revenues/ charges incidence

%

-0,01

-0,27

-0,70

-1,19

Labour cost on purchasing expenses

%

35,02

37,46

37,86

17,25

Short-term financing charges

%

0,63

1,14

1,42

2,71

Capital on hand

%

70,62

70,96

77,81

93,00

Sales pro employee

Value

88.167

84.425

132.189

223.920

Labour cost pro employee

Value

32.037

32.162

52.606

35.625



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.

 

 

Market / Territory Data

 

Population living in the province

:

3.839.216

Population living in the region

:

9.393.092

Number of families in the region

:

3.858.736

 

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

 

- per food products

:

460

- per non food products

:

2.090

- per energy consume

:

114



Sector Data

 

The values are calculated on a base of 918 significant companies.

The companies cash their credits on an average of 101 dd.

The average duration of suppliers debts is about 116 dd.

The sector's profitability is on an average of 5,13%.

The labour cost affects the turnover in the measure of 16,91%.

Goods are held in stock in a range of 81 dd.

The difference between the sales volume and the resources used to realize it is about 1,07.

The employees costs represent the 17,25% of the production costs.



Statistical Detrimental Data

 

Statistcally the trade activity shows periods of crisis.

The area is statistically considered lowly risky.

In the region 50.886 protested subjects are found; in the province they count to 24.765.

The insolvency index for the region is 0,55, , while for the province it is 0,66.

Total Bankrupt companies in the province : 22.523.

Total Bankrupt companies in the region : 39.612.

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.64

UK Pound

1

Rs.100.41

Euro

1

Rs.71.63

 

 

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.