MIRA INFORM REPORT

 

 

Report No. :

311153

Report Date :

13.03.2015

 

IDENTIFICATION DETAILS

 

Name :

CHIYODA EUROPA NV

 

 

Registered Office :

Henry Fordlaan 37 3600 Genk

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

15.07.1983

 

 

Com. Reg. No.:

424426666

 

 

Legal Form :

Public Limited Liability Company (BE)

 

 

Line of Business :

Manufacture of Paper and Paperboard

 

 

No. of Employee :

206

 

 

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 – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

Belgium

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

BELGIUM ECONOMIC OVERVIEW

 

This modern, open, and private-enterprise-based economy has capitalized on its central geographic location, highly developed transport network, and diversified industrial and commercial base. Industry is concentrated mainly in the more heavily-populated region of Flanders in the north. With few natural resources, Belgium imports substantial quantities of raw materials and exports a large volume of manufactures, making its economy vulnerable to volatility in world markets. Roughly three-quarters of Belgium's trade is with other EU countries, and Belgium has benefited most from its proximity to Germany. In 2013 Belgian GDP grew by 0.1%, the unemployment rate increased to 8.8% from 7.6% the previous year, and the government reduced the budget deficit from a peak of 6% of GDP in 2009 to 3.2%. Despite the relative improvement in Belgium's budget deficit, public debt hovers around 100% of GDP, a factor that has contributed to investor perceptions that the country is increasingly vulnerable to spillover from the euro-zone crisis. Belgian banks were severely affected by the international financial crisis in 2008 with three major banks receiving capital injections from the government, and the nationalization of the Belgian retail arm of a Franco-Belgian bank.

 

Source : CIA

 

Company summary

 

Business number                     424426666

Branche Unit Number               2022859675

Company name                        CHIYODA EUROPA NV

Address                                   HENRY FORDLAAN 37

3600 GENK

Number of staff                        206

Date of establishment               15/07/1983

Telephone number                   089610711

Fax number                              089613020

 

 

Commentary

 

The business was established over 31 years ago.

The business has 206 employees.

The business has been at the address for over 9 years.

Net Worth decreased by 26% during the latest trading period.

The business saw a decrease in their Cash Balance of 77% during the latest trading period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

64,939,309

-2,841,822

8,127,654

935,084

31/07/2012

55,507,812

-2,271,593

11,096,793

2,626,070

31/07/2011

55,039,170

-3,751,935

14,148,843

3,891,184

 

ACCOUNTS

 

 

 

 

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

19,904,967

206

3,967,000

-93,546

31/07/2012

25,153,303

220

3,967,000

-1,057,305

31/07/2011

28,808,932

245

3,967,000

-1,547,153

 

 

Trends

 

Profitability

Liquidity

Net worth

 

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

18.16

Industry  average  payment

67.31

Industry  average  day  sales

119.03

expectation  days

 

outstanding

 

Day  sales  outstanding

23.24

 

 

 

 

Court data summary

 

BANKRUPTCY DETAILS

Court action type                       No

 

PROTESTED BILLS

Bill amount                                -

 

NSSO DETAILS

Date of summons                     -

 

 

Company information

 

Business  number

424426666

Company  name

CHIYODA  EUROPA  NV

Fax  number

089613020

Date  founded

15/07/1983

Company  status

active

Company  type

Public  Limited  Liability

 

 

 

Company  (BE)

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2013

Activity  code

17120

Liable  for  VAT

yes

Activity  description

Manufacture  of  paper  and

VAT  Number

BE.0424.426.666  Check  VAT

 

paperboard

 

number

Belgian  Bullettin  of  Acts Publications

moniteur  belge

 

 

 

 

Contractor details

 

Registered  contractor number

-

Contractor  description

-

Date  struck  off  register

 

 

 

PERSONNEL  (NSSO  CLASSIFICATION)

 

Code

-

Description

-

 

 

JOINT  INDUSTRIAL  COMMITTEE  (JIC)

 

JIC  Code

136

Description

Joint  committee  for  the  transformation  of  paper  and  cardboard

category

 

 

 

JIC  Code

222

Description

JC  for  the  employees  in  the  paper  and  cardboard  production

category

 

 

 

SIGNIFICANT  EVENTS

 

Event  Date

04/01/2012

Event  Description

re-appointment  of  director(s)

Event  Details

Commentaar  04-01-2012:  Herbenoemd  als  bestuurder  voor  een  periode  van  6  jaar  :  Chiyoda  Gravure

 

Corporation.

 

 

Company accounts

 

ASSETS

 

 

 

 

 

 

 

 

 

Annual  accounts

31-12-2013

%

31-07-2012

%

31-07-2011

%

31-07-2010

%

31-07-2009

Weeks

74

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

8,990,900

-21.44

11,444,844

1.51

11,275,070

-1.80

11,481,569

-5.37

12,132,617

Intangible  fixed  assets

16,124

-18.27

19,728

-42.75

34,460

-21.23

43,750

-29.89

62,399

Tangible  fixed  assets

8,934,932

-21.61

11,397,645

1.63

11,215,081

-1.72

11,411,425

-5.25

12,043,829

Land  &  building

1,962,187

-14.34

2,290,599

-11.50

2,588,175

-5.41

2,736,227

-9.26

3,015,386

Plant  &  machinery

5,754,367

-24.77

7,648,593

-10.04

8,502,192

5.01

8,096,487

37.92

5,870,262

Furniture  &  Vehicles

97,776

-10.11

108,770

-12.78

124,714

-14.54

145,941

55.06

94,119

Leasing  &  Other  Similar  Rights

1,120,601

-16.97

1,349,683

-

-

-

13,346

-99

2,995,710

Other  tangible  assets

0

-

0

-

0

-100

419,424

513

68,352

Financial  fixed  assets

39,844

45.04

27,471

7.61

25,529

-3.28

26,394

0.02

26,389

Total  current  assets

10,914,067

-20.38

13,708,459

-21.82

17,533,862

-1.18

17,743,090

5.61

16,801,157

Inventories

6,492,335

-14.12

7,560,146

-14.86

8,879,787

15.04

7,718,728

9.22

7,067,321

Raw  materials  &  consumables

2,689,745

-36.31

4,223,191

-20.02

5,280,520

20.76

4,372,817

14.70

3,812,489

Work  in  progress

96,346

-57.98

229,313

421

44,011

-42.14

76,069

-23.88

99,930

Finished  goods

3,706,244

19.26

3,107,642

-12.59

3,555,256

8.73

3,269,842

3.64

3,154,902

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

4,135,225

-15.31

4,882,593

-21.02

6,182,257

-19.85

7,713,232

47.06

5,244,834

Other  amounts  receivable

38,372

-88.51

333,846

749

39,307

-48.17

75,834

17.48

64,552

Cash

97,910

-77.47

434,617

-77.82

1,959,533

10.16

1,778,815

-55.94

4,037,369

Miscellaneous  current  assets

150,225

-69.79

497,258

5.13

472,978

3.61

456,481

17.93

387,081

Total  Assets

19,904,967

-20.87

25,153,303

-12.69

28,808,932

-1.42

29,224,659

1.01

28,933,774

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

8,143,778

-26.74

11,116,521

-21.62

14,183,303

-20.95

17,942,591

-4.84

18,855,243

Issued  share  capital

3,967,000

0

3,967,000

0

3,967,000

0

3,967,000

0

3,967,000

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

-

-

-

-

-

-

-

-

-

Reserves

4,176,778

-41.58

7,149,521

-30.02

10,216,303

-26.90

13,975,591

-6.13

14,888,243

Provisions  for  Liabilities  &

419,167

-43.91

747,286

52.58

489,761

-36.69

773,557

-20.46

972,590

Charges

 

 

 

 

 

 

 

 

 

Deffered  taxes

13,223

-19.65

16,456

-31.77

24,118

14.73

21,021

51.20

13,903

Creditors

11,328,798

-14.65

13,273,039

-5.94

14,111,750

34.56

10,487,490

15.35

9,092,038

Other  long  term  loans

1,349,815

-38.38

2,190,650

367

469,072

1943

22,950

-31.35

33,429

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-100

1

-

0

-

0

-

0

Total  long  term  debts

1,782,206

-39.68

2,954,393

200

982,951

20.23

817,528

-19.84

1,019,922

Current  portion  of  long  term  debt

563,373

0.23

562,079

265

153,879

1368

10,479

-98.87

929,980

Financial  debts

3,674,148

20.69

3,044,185

-20.84

3,845,851

-

-

-

-

Trade  creditors

3,328,409

-28.33

4,644,289

-37.13

7,386,847

-10.41

8,245,065

38.87

5,937,381

Amounts  Payable  for  Taxes,

2,189,484

-21.93

2,804,553

26.05

2,224,984

1.16

2,199,471

1.28

2,171,751

Remuneration  &  Social  Security

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

223,569

719

27,283

-12.32

31,117

226

9,525

-51.15

19,497

Total  current  liabilities

9,978,983

-9.96

11,082,389

-18.77

13,642,678

30.37

10,464,540

15.52

9,058,609

Total  Liabilities

19,904,967

-20.87

25,153,303

-12.69

28,808,932

-1.42

29,224,659

1.01

28,933,774

 

 

RATIO  ANALYSIS

 

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

Profit  Before  Tax

-4.38

-7.09

-4.09

59.97

-6.82

-340

-1.55

-42.20

-1.09

Return  on  capital  employed

-28.63

-77.39

-16.14

65.24

-24.74

-427

-4.69

-66.90

-2.81

Return  on  total  assets  employed

-14.28

-58.14

-9.03

69.35

-13.02

-332

-3.01

-55.96

-1.93

Return  on  net  assets  employed

-34.90

-70.83

-20.43

77.24

-26.45

-439

-4.90

-65.54

-2.96

Sales  /  net  working  capital

69.45

228

21.14

49.50

14.14

80.82

7.82

17.95

6.63

Stock  turnover  ratio

10.00

-26.58

13.62

-15.56

16.13

18.95

13.56

-1.53

13.77

Creditor  days

18.16

-39.35

29.94

-35.76

46.61

-11.86

52.88

23.18

42.93

Debtor  days

23.24

-27.62

32.11

-21.68

41.00

-17.12

49.47

32.66

37.29

 

 

 

 

 

 

 

 

 

 

SHORT TERM STABILITY

Current  ratio

1.09

-12.10

1.24

-3.88

1.29

-24.12

1.70

-8.11

1.85

Liquidity  ratio  /  acid  ratio

0.44

-20.0

0.55

-12.70

0.63

-34.38

0.96

-10.28

1.07

Current  debt  ratio

1.23

23.00

1.00

4.17

0.96

65.52

0.58

20.83

0.48

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

-93,546

8.85

-1,057,305

68.34

-1,547,153

-193

1,656,360

-21.95

2,122,295

Net  worth

8,127,654

-26.76

11,096,793

-21.57

14,148,843

-20.95

17,898,841

-4.76

18,792,844

 

 

 

 

 

 

 

 

 

 

LONG  TERM  STABILITY

Gearing

68.61

31.56

52.15

65.50

31.51

16484

0.19

-96.28

5.11

Equity  in  percentage

40.95

-7.42

44.23

-10.27

49.29

-19.84

61.49

-5.85

65.31

Total  debt  ratio

1.44

14.29

1.26

22.33

1.03

63.49

0.63

18.87

0.53

Working  capital

935,084

-64.39

2,626,070

-32.51

3,891,184

-46.54

7,278,550

-5.99

7,742,548

 

 

PROFIT  &  LOSS

 

 

 

 

 

 

 

 

 

Operating  Income

66,050,531

18.87

55,565,905

-0.03

55,583,104

-3.15

57,392,741

11.72

51,369,834

Turnover

64,939,309

16.99

55,507,812

0.85

55,039,170

-3.28

56,908,250

10.84

51,340,387

Total  operating  expenses

66,893,352

18.13

56,628,045

-2.10

57,842,122

1.63

56,913,685

12.73

50,486,213

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

68,004,575

19.97

56,686,139

-2.91

58,386,056

1.72

57,398,176

13.62

50,515,660

Employee  costs

17,267,970

33.31

12,953,266

-11.05

14,562,533

-0.72

14,668,359

11.92

13,106,291

Wages  and  salary

10,940,048

24.54

8,784,266

-7.59

9,506,029

0.51

9,457,864

9.34

8,649,871

Employee  pension  costs

-

-

-

-

-

-

347,143

6.20

326,888

Social  security  contributions

4,863,897

40.06

3,472,624

-11.79

3,936,701

-5.89

4,182,910

18.52

3,529,417

Other  employee  costs

1,464,026

110

696,376

-37.81

1,119,803

64.57

680,442

13.39

600,115

Director  remuneration

-

-

-

-

-

-

-

-

-

Amortization  and  depreciation

2,872,918

44.04

1,994,597

-10.08

2,218,151

-14.12

2,582,834

-1.15

2,612,822

Operating  result

-1,954,043

-74.43

-1,120,233

39.97

-2,802,952

-51472

-5,435

-100

854,174

Total  financial  income

1,105,635

155

432,060

-17.00

520,582

-22.57

672,302

532

106,264

Total  financial  expenses

1,993,414

25.89

1,583,420

7.75

1,469,565

-4.97

1,546,363

1.85

1,518,256

Results  on  ordinary  operations

-2,841,822

-25.10

-2,271,593

60.54

-3,751,935

-326

-879,496

-57.67

-557,818

before  taxation

 

 

 

 

 

 

 

 

 

Extraordinary  Income

-

-

1,524

-

-

-

333

-94.58

6,141

Extraordinary  Charges

127,876

-83.80

789,495

125567

628

-98.44

40,193

3441

1,135

Extraordinary  items

-127,876

16.23

-787,971

-125325

-628

1.58

-39,860

-896

5,006

Results  for  the  Year  Before

-2,969,698

97.06

-3,059,564

81.53

-3,752,563

-308

-919,356

-66.31

-552,812

Taxation

 

 

 

 

 

 

 

 

 

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

-

-

-

-

4,113

-

-

-

-31,740

Results  on  ordinary  operations after  taxation

-2,841,822

-25.10

-2,271,593

60.48

-3,756,047

-327

-879,496

-67.18

-526,078

Net  result

-2,966,464

97.20

-3,051,902

81.05

-3,765,304

-306

-926,474

-88.87

-490,527

Profit  (Loss)  for  the  Year  to  be appropiated

-2,966,464

97.20

-3,051,902

81.05

-3,765,304

-306

-926,474

-88.87

-490,527

Dividends

-

-

-

-

-

-

-

-

-

 

 

Social Balance Sheet Details

 

 

Social  Balance  Sheet

Total

During  the  reporting  year

 

ended  31-12-2013

 

Full-time  Employees

194

Part-time  Employees

26

Total  Fte  Employees

213

Number  of  hours  worked

 

Full-time  Employees

403,825

Part-time  Employees

38,289

Total

442,114

Personnel  Charges

 

Full-time  Employees

15,857,691

Part-time  Employees

1,410,280

Total

17,267,970

Benefits  In  Addition  To  Wages

-

During  the  previous  reporting  year

 

Average  number  employees  in  Fte

235

Actual  working  hours

338,624

Personnel  Charges

12,953,266

Benefits  In  Addition  To  Wages

-

 

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

188

24

206

Contracts

 

 

 

Limited  Duration  Contracts

1

-

1

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding

-

-

-

 

 

Gender and  Education Level

 

 

 

Men

Full-Time

Part-Time

Total  Fte

Primary  education

24

4

27

Secondairy  education

139

14

150

Higher  education  (non university)

10

-

10

Higher  education (university)

2

-

2

 

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

5

1

6

Higher  education  (non university)

9

5

12

Higher  education (university)

-

-

-

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

2

-

2

White  collar  worker

43

7

48

Blue  collar  worker

144

17

157

Other

-

-

-

 

 

Temporary  personnel

 

Total

 

Average  number  of  temporary  staff

 

3

 

Actual  working  hours

 

5,385

 

Cost  of  temporary  staff

 

171,405

 

 

 

New  staff  and  leavers

Full-Time

Part-Time

Total  Fte

New  Starters

6

-

6

Leavers

15

4

18

 

 

Total  of  formal  continuing  vocational  training  initiatives

 

 

for  workers  paid  by  the  employer

Male

Female

Number  of  employees

11

1

Number  of  training  hours

638

96

Net  costs  for  enterprise

12,493

1,586

Total  of  less  formal  and  informal  continuing  vocational

 

 

training  initiatives  for  workers  paid  by  the  employer

Male

Female

Number  of  employees

111

21

Number  of  training  hours

8,633

1,733

Net  costs  for  enterprise

350,276

66,268

Total  of  initial  training  initiatives  at  the  expense  of  the

 

 

employer

Male

Female

Number  of  employees

122

22

Number  of  training  hours

9,271

1,829

Net  costs  for  enterprise

362,769

67,855

 

 

INDUSTRY COMPARISON

 

Activity code                             17120

Activity description                   Manufacture of paper and paperboard

industry average credit

rating                                        74.49

Industry average credit limit       761159.52

 

 

Payment Information

 

Payment  Information  Summary

 

Total  number  of  Invoices  available

56

Total  number  of  Invoices  paid  within  or  up  to  30  days  after  the  due  date

34

Total  number  of  Invoices  paid  more  than  30  days  after  the  due  date

6

Total  number  of  Invoices  currently  outstanding  where  the  due  date  has  not  yet  been  reached

16

Total  number  of  Invoices  currently  outstanding  beyond  the  due  date

0

 

 

Suspension of payments / moratorium history

 

Amount

-

Details

-

 

 

PAYMENT  EXPECTATIONS

Payment  expectation  days

18.16

Day  sales  outstanding

23.24

 

 

INDUSTRY  COMPARISON

Activity  code

17120

Activity  description

Manufacture  of  paper  and  paperboard

Industry  average  payment

67.31

expectation  days

 

Industry  average  day  sales outstanding

119.03

 

 

INDUSTRY  QUARTILE  ANALYSIS

Payment  expectations

 

Company  result

18.16

Lower

96.49

Median

68.86

Upper

44.77

 

 

 

DAY  SALES  OUTSTANDING

 

Company  result

23.24

Lower

78.36

Median

46.05

Upper

25.01

 

 

Shareholder  Details

 

SUMMARY

 

Group  -  Number  of  Companies

0

Linkages  -  Number  of  Companies

0

Number  of  Countries

0

 

 

 

GROUP STRUCTURE

No group structure for this company.

 

 

MINORITY SHAREHOLDERS

 

 

 

 

 

Business number

Company  name

%

Date  of

 

 

 

accounts

-

SHINKO  KIGYO  CORPORATION

0.01

-

 

 

MINORITY INTERESTS

No minority interests found

 

COMPANIES THAT MATCH THIS ADDRESS

no Companies Match this address

 

 

Linked Companies

 

SUMMARY

 

Group - Number of Companies              0

Linkages - Number of Companies           0

Number of Countries                             0

 

SUMMONS

There is no data for this company

 

PROTESTED BILLS

There is no data for this company

 

BANKRUPTCY AND OTHER LEGAL EVENTS

There is no data for this company

 

 

Director details

 

CURRENT DIRECTOR DETAILS

 

Name

SHINKO  KIGYO  CORPORATION

Position

Director

Start  Date

04/01/2012

End  Date

03/01/2018

Street

18 OSAKI  1-CHOME  SHINAGAWA-KU

Post  code

 

Country

Japan

Name

CHIYODA  GRAVURE  CORPORATION

Position

Director

Start  Date

04/01/2012

End  Date

03/01/2018

Street

18 OSAKI  1-CHOME  SHINAGAWA-KU

Post  code

 

Country

Japan

Name

KUNIHIRO  MURATA

Position

Legal  Representative

Start  Date

31/01/2013

Street

 

Post  code

 

Country

 

Name

CHIYODA  GRAVURE  CORPORATION

Position

Legal  Representative

Start  Date

30/05/2008

Street

 

Post  code

 

Country

 

 

FORMER DIRECTOR DETAILS

 

Name

DELOITTE BEDRIJFSREVISOREN  /  REVISEURS  D'ENTREPRISES  B.V.  CVBA

Position

Commissioner

Start  Date

04/10/2013

End  Date

Unknown  date

Date  of  birth

23/06/1986

Street

8 BERKENLAAN  MACHELEN

Post  code

1831

Country

Belgium

 

 

Name

HIROYHOSHI  SATO

Position

Director

Start  Date

22/07/2004

End  Date

Unknown  date

Street

TOKYO

Post  code

157-0066

Country

Japan

Name

CHIYODA  EXPRESS  CORPORATION  SOC.  ETRANGERE

Position

Director

Start  Date

30/05/2008

End  Date

31/12/2013

Street

 

Post  code

 

Country

Japan

 

 

Name

CHIYODA  EXPRESS  CORPORATION

Position

Director

Start  Date

30/05/2008

End  Date

31/07/2012

Street

18 OSAKI  1-CHOME  SHINAGAWA-KU

Post  code

 

Country

Japan

Name

JOHN  S.  SATO

Position

Chairman  of  the  Board

Start  Date

09/11/2009

End  Date

Unknown  date

Street

 

Post  code

 

Country

United  States

Position

Director

Start  Date

31/08/2004

End  Date

30/05/2008

Street

 

Post  code

 

Country

United  States

Name

CHIYODA  EXPRESS  CORPORATION

Position

Legal  Representative

Start  Date

30/05/2008

End  Date

Unknown  date

Street

 

Post  code

 

Country

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.57

UK Pound

1

Rs.93.57

Euro

1

Rs.65.95

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

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.