MIRA INFORM REPORT

 

 

Report No. :

310081

Report Date :

04.03.2015

 

IDENTIFICATION DETAILS

 

Name :

JOHN DEERE ASIA (SINGAPORE) PRIVATE LIMITED

 

 

Registered Office :

438, Alexandra Road, 06-02, Alexandra Point, 119958

 

 

Country :

Singapore

 

 

Financials (as on) :

31.10.2013

 

 

Date of Incorporation :

13.07.2006

 

 

Com. Reg. No.:

200610270-R

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Wholesale of agricultural machinery, equipment

 

 

No. of Employee :

60 [2015]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

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)

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. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports, before slowing to in 2011-13, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub.

 

Source : CIA

 

 

EXECUTIVE SUMMARY

 

REGISTRATION NO.

:

200610270-R

COMPANY NAME

:

JOHN DEERE ASIA (SINGAPORE) PRIVATE LIMITED

FORMER NAME

:

N/A

INCORPORATION DATE

:

13/07/2006

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

438, ALEXANDRA ROAD, 06-02, ALEXANDRA POINT, 119958, SINGAPORE.

BUSINESS ADDRESS

:

438, ALEXANDRA ROAD, 06-02/03 ALEXANDRA POINT, 119958, SINGAPORE.

TEL.NO.

:

65-68798800

FAX.NO.

:

65-62783763

CONTACT PERSON

:

GANESH JAYARAM ( DIRECTOR )

PRINCIPAL ACTIVITY

:

WHOLESALE OF AGRICULTURAL MACHINERY, EQUIPMENT

ISSUED AND PAID UP CAPITAL

:

15,664,006.00 ORDINARY SHARE, OF A VALUE OF SGD 15,664,006.00

SALES

:

USD 250,928,314 [2013]

NET WORTH

:

USD 137,551,095 [2013]

STAFF STRENGTH

:

60 [2015]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

STRONG

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

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) wholesale of agricultural machinery, equipment.


 

The immediate holding company of the Subject is JOHN DEERE NEDERLAND B.V., a company incorporated in NETHERLANDS.

 


Share Capital History

Date

Issue & Paid Up Capital

02/03/2015

SGD 15,664,006.00

 


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


Name

Address

IC/PP/Loc No

Shareholding

(%)

JOHN DEERE NEDERLAND B.V.

ENERGIESTRAAT 16, 5961PT HORST, NETHERLANDS.

T09UF1641

15,664,006.00

100.00

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

------

15,664,006.00

100.00

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

=====

+ Also Director


The Subject's int

erest in other companies (Subsidiaries/Associates) are shown as follow :



Local No

Country

Company

(%)

As At

SOUTH KOREA

JOHN DEERE PTY LTD

100.00

31/10/2013

INDIA

JOHN DEERE INDIA PRIVATE LIMITED

100.00

31/10/2013




 

 

 

DIRECTORS



DIRECTOR 1

 

Name Of Subject

:

STEVEN NOEL OWENSON

Address

:

25, OXLEY WALK, 03-24, BELLE VUE RESIDENCES, 238595, SINGAPORE.

IC / PP No

:

G3080394P

Nationality

:

AMERICAN

Date of Appointment

:

01/09/2014

 

DIRECTOR 2

 

Name Of Subject

:

MICHAEL LYNN GAUSE

Address

:

6821, WELLINGTON PLACE, 80108, UNITED STATES.

IC / PP No

:

426902428

Nationality

:

AMERICAN

Date of Appointment

:

01/12/2012

 

DIRECTOR 3

 

Name Of Subject

:

GANESH JAYARAM

Address

:

5325, 54TH AVENUE COURT, BETTENDORF IA 52722, UNITED STATES.

IC / PP No

:

420008257

Nationality

:

AMERICAN

Date of Appointment

:

01/04/2012

 

DIRECTOR 4

 

Name Of Subject

:

CRISPUS LEE SOON GUAN

Address

:

656B, JURONG WEST STREET 61, 13-303, 642656, SINGAPORE.

IC / PP No

:

S1291273J

Nationality

:

SINGAPOREAN

Date of Appointment

:

14/09/2007

 

DIRECTOR 5

 

Name Of Subject

:

JASON L AMBROSON

Address

:

5151, TAYLOR AVENUE, BETTENDORF, IA, 52722, UNITED STATES.

IC / PP No

:

488908071

Nationality

:

AMERICAN

Date of Appointment

:

01/09/2014



MANAGEMENT

 

 

1)

Name of Subject

:

GANESH JAYARAM

Position

:

DIRECTOR

 

 

AUDITOR

 

Auditor

:

DELOITTE & TOUCHE LLP

Auditor' Address

:

N/A

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

SACHIN VISHNUPANT MURUMKAR

IC / PP No

:

G5410919P

Address

:

6, ALEXANDRA VIEW, 03-05, THE METROPOLITAN CONDOMINIUM, 158746, SINGAPORE.

 

 

BANKING


No Banker found in our databank.

 

 

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

 

 

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 Subject refused to disclose its 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

[

X

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

Export Market

:

ASIA

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

OPERATIONS

 

Goods Traded

:

AGRICULTURAL MACHINERY, EQUIPMENT

 

Total Number of Employees:

YEAR

2015

2014

GROUP

N/A

N/A

COMPANY

60

60

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) wholesale of agricultural machinery, equipment.

From tractors and engines to construction, forestry and turf care equipment, the Subject provides equipment, tools, technology and services that fit the needs of its customers.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-68798800

Match

:

N/A

Address Provided by Client

:

NO. 06 - 02 / 03 ALEXANDRA POINT 438 ALEXANDRA ROAD, SINGAPORE 119958 SINGAPORE

Current Address

:

438, ALEXANDRA ROAD, 06-02/03 ALEXANDRA POINT, 119958, SINGAPORE.

Match

:

YES

 

Other Investigations


On 27th February 2015 we contacted one of the staff from the Subject and she provided some information.

The Subject refused to disclose its bankers.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Erratic

[

2009 - 2013

]

Profit/(Loss) Before Tax

:

Increased

[

2009 - 2013

]

Return on Shareholder Funds

:

Favourable

[

56.39%

]

Return on Net Assets

:

Favourable

[

57.80%

]

The fluctuating turnover reflects the fierce competition among the existing and new market players.The higher profit could be attributed to the increase in turnover. Generally the Subject was profitable. The favourable return on shareholders' funds and return on net assets indicate that the Subject's management was efficient in utilising the assets to generate returns.

Working Capital Control

Stock Ratio

:

Favourable

[

25 Days

]

Debtor Ratio

:

Favourable

[

7 Days

]

Creditors Ratio

:

Unfavourable

[

88 Days

]

The Subject's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. 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

[

2.53 Times

]

Current Ratio

:

Favourable

[

2.80 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

:

Favourable

[

38.82 Times

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The interest cover showed that the Subject was able to service the interest. The favourable interest cover could indicate that the Subject was making enough profit to pay for the interest accrued. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

Although the turnover was erratic, the Subject had maintained a steady growth in its profit. This indicate the management's efficiency in controlling its costs and profitability. 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. With the favourable interest cover, the Subject could be able to service all the accrued interest without facing any difficulties. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : STRONG

 

 

 

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 2006, the Subject is a Private Limited company, focusing on wholesale of agricultural machinery, equipment. Having been in business for more than 5 years, the Subject has established a remarkable clientele base for itself which has contributed to its business growth. With an issued and paid up capital of SGD 15,664,006 and strong backing from its holding company, the Subject enjoys timely financial assistance should the needs arise. These favourable conditions has minimised its risk in the industry compared to other players.

Investigation revealed, the Subject has penetrated into both the local and overseas market. The Subject has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the Subject to further enhance its business in the near term. 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.

Despite the lower turnover, the Subject's pre-tax profit have increased compared to the previous year. The higher profit could be due to better control of its operating costs and efficiency in utilising its resources. Based on the higher profitability, the Subject has generated a favourable return based on its existing shareholders' funds which indicated that the management was efficient in utilising its funds to generate income. 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. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at USD 137,551,095, the Subject should be able to maintain its business in the near terms.

Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises.

The Subject's payment habit is average. With its adequate working capital, the Subject should be able to pay its short term debts.

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry.

In view of the above favourable condition, we recommend credit be proceeded to the Subject with favourable term.

 



PROFIT AND LOSS ACCOUNT

 

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

 

Financial Year End

2013-10-31

2012-10-31

2011-10-31

2010-10-31

2009-10-31

Months

12

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

YES

Financial Type

FULL

FULL

SUMMARY

SUMMARY

SUMMARY

Currency

USD

USD

SGD

SGD

SGD

TURNOVER

250,928,314

329,553,561

321,572,512

261,014,672

223,782,487

Other Income

82,912,059

1,160,398

-

-

-

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

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

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

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

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

Total Turnover

333,840,373

330,713,959

321,572,512

261,014,672

223,782,487

Costs of Goods Sold

(228,863,775)

(288,019,821)

-

-

-

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

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

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

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

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

Gross Profit

104,976,598

42,694,138

-

-

-

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

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

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

77,461,848

11,025,531

31,018,444

14,724,147

12,592,310

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

77,461,848

11,025,531

31,018,444

14,724,147

12,592,310

Taxation

99,301

(1,429,619)

(1,019,504)

(1,060,338)

(1,621,016)

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

77,561,149

9,595,912

29,998,940

13,663,809

10,971,294

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

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

49,417,920

39,822,008

29,370,794

15,706,985

4,735,691

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

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

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

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

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

As restated

49,417,920

39,822,008

29,370,794

15,706,985

4,735,691

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

126,979,069

49,417,920

59,369,734

29,370,794

15,706,985

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

126,979,069

49,417,920

59,369,734

29,370,794

15,706,985

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

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

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Others

2,048,348

2,057,158

-

-

-

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

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

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

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

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

2,048,348

2,057,158

-

-

-

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

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

 

 

 

BALANCE SHEET

 

 

ASSETS EMPLOYED:

FIXED ASSETS

742,243

228,286

4,062,571

2,624,395

403,989

LONG TERM INVESTMENTS/OTHER ASSETS

Subsidiary companies

2

2

-

-

-

Associated companies

175,585

159,505

-

-

-

Investments

19,808,674

10,760,861

-

-

-

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

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

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

19,984,261

10,920,368

-

-

-

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

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

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

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

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

TOTAL LONG TERM ASSETS

20,726,504

11,148,654

4,062,571

2,624,395

403,989

Stocks

17,107,618

23,077,600

-

-

-

Trade debtors

4,736,236

9,328,547

-

-

-

Other debtors, deposits & prepayments

154,871,684

86,788,733

-

-

-

Cash & bank balances

5,131,127

9,446,579

-

-

-

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

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

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

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

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

TOTAL CURRENT ASSETS

181,846,665

128,641,459

92,497,318

47,986,563

46,226,526

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

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

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

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

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

TOTAL ASSET

202,573,169

139,790,113

96,559,889

50,610,958

46,630,515

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

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

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

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

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

CURRENT LIABILITIES

Trade creditors

54,905,135

74,817,053

-

-

-

Other creditors & accruals

10,034,229

3,848,706

-

-

-

Provision for taxation

82,710

1,122,408

-

-

-

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

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

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

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

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

TOTAL CURRENT LIABILITIES

65,022,074

79,788,167

46,165,855

24,774,391

14,535,625

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

116,824,591

48,853,292

46,331,463

23,212,172

31,690,901

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

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

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

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

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

TOTAL NET ASSETS

137,551,095

60,001,946

50,394,034

25,836,567

32,094,890

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

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

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

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

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

SHARE CAPITAL

Ordinary share capital

10,000,000

10,000,000

15,664,006

15,664,006

15,664,006

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

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

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

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

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

TOTAL SHARE CAPITAL

10,000,000

10,000,000

15,664,006

15,664,006

15,664,006

Capital reserve

572,026

572,026

-

-

-

Retained profit/(loss) carried forward

126,979,069

49,417,920

59,369,734

29,370,794

15,706,985

Others

-

-

(24,639,706)

(19,224,809)

723,899

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

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

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

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

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

TOTAL RESERVES

127,551,095

49,989,946

34,730,028

10,145,985

16,430,884

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

137,551,095

59,989,946

50,394,034

25,809,991

32,094,890

Deferred taxation

-

12,000

-

-

-

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

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

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

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

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

TOTAL LONG TERM LIABILITIES

-

12,000

-

26,576

-

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

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

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

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

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

137,551,095

60,001,946

50,394,034

25,836,567

32,094,890

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

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

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

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

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

 

 

 

FINANCIAL RATIO

 

 

TYPES OF FUNDS

Cash

5,131,127

9,446,579

-

-

-

Net Liquid Funds

5,131,127

9,446,579

-

-

-

Net Liquid Assets

99,716,973

25,775,692

46,331,463

23,212,172

31,690,901

Net Current Assets/(Liabilities)

116,824,591

48,853,292

46,331,463

23,212,172

31,690,901

Net Tangible Assets

137,551,095

60,001,946

50,394,034

25,836,567

32,094,890

Net Monetary Assets

99,716,973

25,763,692

46,331,463

23,185,596

31,690,901

BALANCE SHEET ITEMS

Total Borrowings

0

0

-

-

-

Total Liabilities

65,022,074

79,800,167

46,165,855

24,800,967

14,535,625

Total Assets

202,573,169

139,790,113

96,559,889

50,610,958

46,630,515

Net Assets

137,551,095

60,001,946

50,394,034

25,836,567

32,094,890

Net Assets Backing

137,551,095

59,989,946

50,394,034

25,809,991

32,094,890

Shareholders' Funds

137,551,095

59,989,946

50,394,034

25,809,991

32,094,890

Total Share Capital

10,000,000

10,000,000

15,664,006

15,664,006

15,664,006

Total Reserves

127,551,095

49,989,946

34,730,028

10,145,985

16,430,884

LIQUIDITY (Times)

Cash Ratio

0.08

0.12

-

-

-

Liquid Ratio

2.53

1.32

-

-

-

Current Ratio

2.80

1.61

2.00

1.94

3.18

WORKING CAPITAL CONTROL (Days)

Stock Ratio

25

26

-

-

-

Debtors Ratio

7

10

-

-

-

Creditors Ratio

88

95

-

-

-

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

-

-

-

Liabilities Ratio

0.47

1.33

0.92

0.96

0.45

Times Interest Earned Ratio

38.82

6.36

-

-

-

Assets Backing Ratio

13.76

6.00

3.22

1.65

2.05

PERFORMANCE RATIO (%)

Operating Profit Margin

30.87

3.35

9.65

5.64

5.63

Net Profit Margin

30.91

2.91

9.33

5.23

4.90

Return On Net Assets

57.80

21.80

61.55

56.99

39.23

Return On Capital Employed

57.80

21.80

61.55

56.99

39.23

Return On Shareholders' Funds/Equity

56.39

16.00

59.53

52.94

34.18

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.61.84

UK Pound

1

Rs.95.14

Euro

1

Rs.69.25

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

ANK

 


 

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.