MIRA INFORM REPORT

 

 

Report No. :

327926

Report Date :

24.06.2015

 

IDENTIFICATION DETAILS

 

Name :

SHABRO INTERNATIONAL PTE. LTD.

 

 

Registered Office :

1, North Bridge Road, 19-04/05, High Street Centre, 179094

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2014

 

 

Date of Incorporation :

16.06.2011

 

 

Com. Reg. No.:

201114328-G

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Subject is engaged in trading of semifinished metal products

 

 

No. of Employee :

2 [2015]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

 

 

Payment Behaviour :

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 – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. Unemployment is very low. The economy depends heavily on exports, particularly of consumer electronics, information technology products, medical and optical devices, pharmaceuticals, and on its vibrant transportation, business, and financial services sectors. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but has continued to grow since 2010 on the strength of renewed exports. Growth in 2014 was slower at 2.9%, largely a result of soft demand for exports amid a sluggish global economy and weak growth in Singapore’s manufacturing sector. The government is attempting to restructure Singapore’s economy by weaning its dependence on foreign labor, addressing weak productivity, and increasing Singaporean wages. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to strengthen its position as Southeast Asia's leading financial and high-tech hub. Singapore is a member of the 12-nation Trans-Pacific Partnership free trade negotiations, the Regional Comprehensive Economic Partnership negotiations with the nine other ASEAN members plus Australia, China, India, Japan, South Korea and New Zealand, and in 2015, Singapore will form, with the other ASEAN members, the ASEAN Economic Community.

 

Source : CIA

 

 


EXECUTIVE SUMMARY

 

REGISTRATION NO.

:

201114328-G

COMPANY NAME

:

SHABRO INTERNATIONAL PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

16/06/2011

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

1, NORTH BRIDGE ROAD, 19-04/05, HIGH STREET CENTRE, 179094, SINGAPORE.

BUSINESS ADDRESS

:

1, NORTH BRIDGE ROAD, 19- 04/05, HIGH STREET CENTRE, 179094, SINGAPORE.

TEL.NO.

:

65-63372472

FAX.NO.

:

65-63372070

CONTACT PERSON

:

ASHUTOSH AGRAWAL ( DIRECTOR )

PRINCIPAL ACTIVITY

:

TRADING OF SEMIFINISHED METAL PRODUCTS

ISSUED AND PAID UP CAPITAL

:

2,823,126.00 ORDINARY SHARE, OF A VALUE OF SGD 2,823,126.00

SALES

:

USD 32,127,748 [2014]

NET WORTH

:

USD 2,036,775 [2014]

STAFF STRENGTH

:

2 [2015]

BANKER (S)

:

BANK OF INDIA

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

POOR

PAYMENT

:

FAIR

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 

HISTORY / BACKGROUND

 

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

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

 

The immediate holding company of the Subject is SHABRO METALS & TECHNOLOGIES LIMITED, a company incorporated in INDIA.

 

Share Capital History

Date

Issue & Paid Up Capital

18/06/2015

SGD 2,823,126.00

 

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

 


Name

Address

IC/PP/Loc No

Shareholding

(%)

SHABRO METALS & TECHNOLOGIES LIMITED

C-23, FRIENDS COLONY (EAST), MATHURA ROAD NEW DELHI, 110065, INDIA.

T11UF2430

2,823,126.00

100.00

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

------

2,823,126.00

100.00

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

=====

+ Also Director

 

 





DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

AKHIL JAIN

Address

:

128, KISHAN KUNJ, MAIN LAXMI NAGAR NEW DELHI, 110092, INDIA.

IC / PP No

:

H4449079

Nationality

:

INDIAN

Date of Appointment

:

16/06/2011

 

DIRECTOR 2

 

Name Of Subject

:

VANGAL RANGARAJAN RANGANATHAN

Address

:

207, SERANGOON CENTRAL, 11-198, 550207, SINGAPORE.

IC / PP No

:

S2662860A

Nationality

:

SINGAPOREAN

Date of Appointment

:

16/06/2011

 

DIRECTOR 3

 

Name Of Subject

:

ASHUTOSH AGRAWAL

Address

:

61, MEYER ROAD, 21-06, ATRIA AT MEYER, THE, 37885, SINGAPORE.

IC / PP No

:

G5248827W

Nationality

:

INDIAN

Date of Appointment

:

16/06/2011

 

DIRECTOR 4

 

Name Of Subject

:

SUNIL DAGA

Address

:

NEW 199, OLD 288/2, KILPAUK GARDEN ROAD KILPAUK, CHENNAI-600010, TN, INDIA.

IC / PP No

:

Z2391302

Nationality

:

INDIAN

Date of Appointment

:

07/07/2014



MANAGEMENT

 

 

1)

Name of Subject

:

ASHUTOSH AGRAWAL

Position

:

DIRECTOR

 

 

AUDITOR

 

Auditor

:

NATARAJAN & SWAMINATHAN

Auditor' Address

:

N/A

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

VANGAL RANGARAJAN RANGANATHAN

IC / PP No

:

S2662860A

Address

:

207, SERANGOON CENTRAL, 11-198, 550207, SINGAPORE.

 

 


 

BANKING


Banking relations are maintained principally with :

 

1)

Name

:

BANK OF INDIA

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C201207411

04/07/2012

N/A

BANK OF INDIA

-

Unsatisfied

 

 

LITIGATION CHECK AGAINST SUBJECT


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

No legal action was found in our databank.

No winding up petition was found in our databank.

 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A


The staff from the registered office refused to disclose the Subject's suppliers

The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

 

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

]

Good 31-60 Days

[

]

Average 61-90 Days

[

]

Fair 91-120 Days

[

X

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

N/A

Overseas

:

N/A


The staff from the registered office refused to disclose the Subject's clientele.

 

 

OPERATIONS

 

Goods Traded

:

SEMIFINISHED METAL PRODUCTS

 

Total Number of Employees:

YEAR

2015

GROUP

N/A

COMPANY

2

 

Branch

:

NO

Other Information:


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

The staff from the registered office refused to disclose the Subject's operation.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-63372472

Match

:

N/A

Address Provided by Client

:

1 NORTH BRIDGE ROAD, 19-04/05, HIGH STREET CENTRE SINGAPORE 179094

Current Address

:

1, NORTH BRIDGE ROAD, 19- 04/05, HIGH STREET CENTRE, 179094, SINGAPORE.

Match

:

YES

 

Other Investigations


We contacted one of the staff from the Subject's registered office and she provided limited information.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Increased

[

2012 - 2014

]

Profit/(Loss) Before Tax

:

Increased

[

2012 - 2014

]

Return on Shareholder Funds

:

Unfavourable

[

5.75%

]

Return on Net Assets

:

Acceptable

[

23.24%

]

The Subject's turnover increased steadily as the demand for its products / services increased due to the goodwill built up over the years.The Subject's management have been efficient in controlling its operating costs. The unfavourable return on shareholders' funds could indicate that the Subject was inefficient in utilising its assets to generate returns.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Unfavourable

[

114 Days

]

Creditors Ratio

:

Unfavourable

[

68 Days

]

As the Subject is a service oriented company, the Subject does not need to keep stocks. The Subject's debtors ratio was high. The Subject should tighten its credit control and improve its collection period. The unfavourable creditors' ratio could be due to the Subject taking advantage of the credit granted by its suppliers. However this may affect the goodwill between the Subject and its suppliers and the Subject may inadvertently have to pay more for its future supplies.

Liquidity

Liquid Ratio

:

Favourable

[

1.22 Times

]

Current Ratio

:

Unfavourable

[

1.22 Times

]

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Unfavourable

[

1.35 Times

]

Gearing Ratio

:

Unfavourable

[

1.64 Times

]

The Subject's interest cover was low. If its profits fall or when interest rate rises, it  may not be able to meet all its interest payment. The Subject was highly geared, thus it had a high financial risk. The Subject was dependent on loans to finance its business needs. In times of economic downturn and / or high interest rate, the Subject will become less profitable and competitive than other firms in the same industry, which are lowly geared. This is because the Subject has to service the interest and to repay the loan, which will erode part of its profits. The profits will fluctuate depending on the Subject's turnover and the interest it needs to pay.

Overall Assessment :

Generally, the Subject's performance has improved with higher turnover and profit. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. If there is a fall in the Subject's profit or any increase in interest rate, the Subject may not be able to generate sufficient cash-flow to service its interest. The Subject's gearing level was high and its going concern will be in doubt if there is no injection of additional shareholders' funds in times of economic downturn and / or high interest rates.

Overall financial condition of the Subject : POOR

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

Services

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

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



INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

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

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

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

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

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2011, the Subject is a Private Limited company, focusing on trading of semifinished metal products. The Subject has been in business for less than 5 years and it has slowly been building up contact with its clients while competing in the industry. However, it has yet to enjoy a stable market shares as it need to compete many well established players in the same field. Presently, the issued and paid up capital of the Subject stands at SGD 2,823,126. The Subject have a strong support from its shareholder.

Being a small company, the Subject's business operation is supported by 2 employees. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.

We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. The Subject has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. The high gearing ratio clearly implied that the Subject was supported by more debt than equity. Thus, the Subject is exposed to high financial risk. Given a positive net worth standing at USD 2,036,775, the Subject should be able to maintain its business in the near terms.

Without a strong assets backing, the Subject may face difficulties in getting loans for its future expansion and continued growth .

The Subject's overall payment habit is fair and this clearly implied a weak credit control of the Subject.

The industry shows an upward trend and this trend is very likely to sustain in the near terms.

In view of the above, we recommend credit be granted to the Subject with close monitoring.

 

 

 

PROFIT AND LOSS ACCOUNT

 

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

SHABRO INTERNATIONAL PTE. LTD.

 

Financial Year End

2014-03-31

2013-03-31

2012-03-31

Months

12

12

12

Consolidated Account

Company

Company

Company

Audited Account

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

Financial Type

FULL

FULL

SUMMARY

Currency

USD

USD

SGD

TURNOVER

32,127,748

31,670,081

20,168,356

Other Income

206,400

315,156

-

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

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

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

Total Turnover

32,334,148

31,985,237

20,168,356

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

122,693

117,980

90,401

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

122,693

117,980

90,401

Taxation

(5,607)

(7,000)

(9,925)

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

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

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

PROFIT/(LOSS) AFTER TAXATION

117,086

110,980

80,476

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

175,849

64,869

(840,921)

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

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

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

As restated

175,849

64,869

(840,921)

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

292,935

175,849

(760,445)

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

292,935

175,849

(760,445)

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Bank overdraft

98,664

32,286

-

Trust receipts

251,923

423,319

-

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

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

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

350,587

455,605

-

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

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

-

DEPRECIATION (as per notes to P&L)

327

297

-

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

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

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

327

297

-

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

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

 

 

 

BALANCE SHEET

 

SHABRO INTERNATIONAL PTE. LTD.

 

ASSETS EMPLOYED:

FIXED ASSETS

310

420

890

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

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

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

TOTAL LONG TERM ASSETS

310

420

890

Trade debtors

10,017,220

6,250,020

-

Other debtors, deposits & prepayments

766,735

1,493,065

-

Short term deposits

606,844

865,000

-

Amount due from holding company

-

597,963

-

Cash & bank balances

31,868

1,100,347

-

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

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

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

TOTAL CURRENT ASSETS

11,422,667

10,306,395

11,280,195

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

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

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

TOTAL ASSET

11,422,977

10,306,815

11,281,085

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

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

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

CURRENT LIABILITIES

Trade creditors

6,008,366

865,278

-

Other creditors & accruals

35,048

6,851

-

Bank overdraft

287,167

-

-

Other borrowings

1,430,893

2,846,107

-

Bill & acceptances payable

1,617,228

4,661,890

-

Provision for taxation

7,500

7,000

-

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

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

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

TOTAL CURRENT LIABILITIES

9,386,202

8,387,126

9,843,554

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

2,036,465

1,919,269

1,436,641

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

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

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

TOTAL NET ASSETS

2,036,775

1,919,689

1,437,531

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

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

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

SHARE CAPITAL

Ordinary share capital

1,743,840

1,743,840

2,197,976

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

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

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

TOTAL SHARE CAPITAL

1,743,840

1,743,840

2,197,976

Retained profit/(loss) carried forward

292,935

175,849

(760,445)

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

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

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

TOTAL RESERVES

292,935

175,849

(760,445)

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

2,036,775

1,919,689

1,437,531

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

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

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

2,036,775

1,919,689

1,437,531

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

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

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

 

 

 

FINANCIAL RATIO

 

SHABRO INTERNATIONAL PTE. LTD.

 

TYPES OF FUNDS

Cash

638,712

1,965,347

-

Net Liquid Funds

(1,265,683)

(2,696,543)

-

Net Liquid Assets

2,036,465

1,919,269

1,436,641

Net Current Assets/(Liabilities)

2,036,465

1,919,269

1,436,641

Net Tangible Assets

2,036,775

1,919,689

1,437,531

Net Monetary Assets

2,036,465

1,919,269

1,436,641

PROFIT & LOSS ITEMS

Earnings Before Interest & Tax (EBIT)

473,280

573,585

-

Earnings Before Interest, Taxes, Depreciation And Amortization (EBITDA)

473,607

573,882

-

BALANCE SHEET ITEMS

Total Borrowings

3,335,288

7,507,997

-

Total Liabilities

9,386,202

8,387,126

9,843,554

Total Assets

11,422,977

10,306,815

11,281,085

Net Assets

2,036,775

1,919,689

1,437,531

Net Assets Backing

2,036,775

1,919,689

1,437,531

Shareholders' Funds

2,036,775

1,919,689

1,437,531

Total Share Capital

1,743,840

1,743,840

2,197,976

Total Reserves

292,935

175,849

(760,445)

LIQUIDITY (Times)

Cash Ratio

0.07

0.23

-

Liquid Ratio

1.22

1.23

-

Current Ratio

1.22

1.23

1.15

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

-

Debtors Ratio

114

72

-

Creditors Ratio

68

10

-

SOLVENCY RATIOS (Times)

Gearing Ratio

1.64

3.91

-

Liabilities Ratio

4.61

4.37

6.85

Times Interest Earned Ratio

1.35

1.26

-

Assets Backing Ratio

1.17

1.10

0.65

PERFORMANCE RATIO (%)

Operating Profit Margin

0.38

0.37

0.45

Net Profit Margin

0.36

0.35

0.40

Return On Net Assets

23.24

29.88

6.29

Return On Capital Employed

20.37

29.88

6.29

Return On Shareholders' Funds/Equity

5.75

5.78

5.60

Dividend Pay Out Ratio (Times)

0.00

0.00

-

NOTES TO ACCOUNTS

Contingent Liabilities

0

0


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.64

UK Pound

1

Rs.100.41

Euro

1

Rs.71.63

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

ASH

 


 

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.