MIRA INFORM REPORT

 

 

Report No. :

312775

Report Date :

13.03.2015

 

IDENTIFICATION DETAILS

 

Name :

NKD VERTRIEBS GMBH

 

 

Registered Office :

Bühlstr. 5-7, D 95463 Bindlach, Post Box: 28

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

06.11.1962

 

 

Legal Form :

Private limited company

 

 

Line of Business :

  • Retail sale of textiles
  • Retail sale of clothing
  • Retail sale of cosmetics and toilet articles

 

 

No of Employees :

6,444

 

 

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 – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderate Low Risk

 

B1

Moderate Risk

B2

Moderate High Risk

 

C1

High Risk

C2

Very High Risk

D

 


 

GERMANY ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, has contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

Source : CIA

 


Company name & address

 

NKD Vertriebs GmbH

Bühlstr. 5-7

D 95463 Bindlach

Post Box: 28

Telephone:089/20188840

Telefax:  09208/699-209

Homepage: www.nkd.de

E-mail:   service@nkd.de

 

 

 

Company Status    

 

Active

 

 

VAT no            

 

DE229155285

 

 

Tax ID number      

 

208/133/50034

 

 

Company details

 

LEGAL FORM                           Private limited company

Date of foundation:                   06.11.1962

Shareholders'

agreement:                                06.11.1962

Registered on:                          13.02.1963

Commercial Register:                Local court 95444 Bayreuth

under:                                                   HRB 442

 

Share capital:                          EUR          7,570,000.00

 

Shareholder:

                     DAUN & Cie Aktiengesellschaft

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Public limited company

                     Share capital:     EUR         21,000,000.00

                     Share:             EUR          3,709,300.00

                     Registered on: 14.08.1985

                     Reg. data: 26135 Oldenburg, HRB 120211

Shareholder:

                     ATLAS Textil Verwaltungs GmbH

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR            818,100.00

                     Share:             EUR          2,649,500.00

                     Registered on: 08.04.1987

                     Reg. data: 26135 Oldenburg, HRB 120254

Shareholder:

                     emdequity GmbH

                     Widenmayerstr. 2

                     D 80538 München

                     Legal form: Private limited company

                     Share capital:     EUR            100,000.00

                     Share:             EUR          1,211,200.00

                     Registered on: 04.01.2007

                     Reg. data: 80333 München, HRB 165723

Manager:

                     Werner Ritzi

                     Hohenkrähenstr. 7

                     D 78259 Mühlhausen-Ehingen

                     having sole power of representation

                     born: 22.10.1955

                     Profession: Industrial manager

Manager:

                     Uwe Stahmer

                     Otto-Hahn-Str. 9

                     D 26160 Bad Zwischenahn

                     having sole power of representation

                     born: 14.03.1964

Proxy:

                     Gerhard Güldner

                     D 95444 Bayreuth

                     authorized to jointly represent the company

                     born: 21.06.1956

Proxy:

                     Torsten Schwiers

                     D 95463 Bindlach

                     authorized to jointly represent the company

                     born: 18.11.1965

Proxy:

                     Janet Eilers

                     D 26180 Rastede

                     authorized to jointly represent the company

                     born: 02.05.1971

Proxy:

                     Jörg Roßberg

                     D 95488 Eckersdorf

                     authorized to jointly represent the company

                     born: 24.04.1967

                     Profession: Solicitor

Proxy:

                     Thomas Mergelmeyer

                     D 26121 Oldenburg

                     authorized to jointly represent the company

                     born: 13.07.1971

 

Further functions/participations of Werner Ritzi (Manager)

Manager:

                     ESDA Feinstrumpffabrik GmbH

                     Hofer Str. 32

                     D 09353 Oberlungwitz

                     Legal form: Private limited company

                     Share capital:     EUR          1,022,583.76

                     Registered

                     on:         18.03.1992

                     Reg. data:  09112 Chemnitz, HRB 4880

Manager:

                     ERGORA Fashion GmbH

                     Hofer Str. 32

                     D 09353 Oberlungwitz

                     Legal form: Private limited company

                     Share capital:     EUR          1,000,000.00

                     Registered

                     on:         24.08.2004

                     Reg. data:  09112 Chemnitz, HRB 21585

Liquidator:

                     Akademie Falkenhaus GmbH

                     Kennedyplatz 2

                     D 50679 Köln

                     Legal form: Private limited company in

                                 liquidation

                     Share capital:     EUR             25,000.00

                     Registered

                     on:         18.08.2014

                     Reg. data:  50939 Köln, HRB 82107

Liquidator:

                     IBS Immobilien Bad Salzungen GmbH

                     Bühlstr. 5-7

                     D 95463 Bindlach

                     Legal form: Private limited company in

                                 liquidation

                     Share capital:     EUR          3,067,751.29

                     Registered

                     on:         04.02.2003

                     Reg. data:  95444 Bayreuth, HRB 3758

 

Further functions/participations of Uwe Stahmer (Manager)

 

Limited partner:

                     Palla Creativ Textiltechnik GmbH & Co. KG

                     Niederforstbacher Str. 80-84

                     D 52078 Aachen

                     Legal form: Ltd partnership with priv. ltd.

                                 company as general partner

                                 insolvent

                     Total cap.         EUR          6,000,000.00

                     contribution:

                     Share:             EUR          1,000,000.00

                     Registered

                     on:         29.06.2009

                     Reg. data:  52070 Aachen, HRA 7514

Limited partner:

                     NEV New Energy GmbH & Co. KG

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Ltd partnership with priv. ltd.

                                 company as general partner

                     Total cap.         EUR            500,000.00

                     contribution:

                     Share:             EUR            500,000.00

                     Registered

                     on:         02.12.2009

                     Reg. data:  26135 Oldenburg, HRA 202059

Shareholder:

                     Flock-Produktions-GmbH

                     Achatstr. 5

                     D 09356 St. Egidien

                     Legal form: Private limited company

                     Share capital:     EUR            130,000.00

                     Share:             EUR             26,000.00

                     Registered

                     on:         12.12.2002

                     Reg. data:  09112 Chemnitz, HRB 20288

Manager:

                     Hanse Real Estate GmbH

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR            102,258.37

                     Registered

                     on:         11.05.2006

                     Reg. data:  26135 Oldenburg, HRB 200467

Manager:

                     Neue Palla Immobilien GmbH

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR             26,000.00

                     Registered

                     on:         07.01.2010

                     Reg. data:  26135 Oldenburg, HRB 204085

Manager:

                     GUTex GmbH

                     Gerhard-Unland-Str. 1

                     Sedelsberg

                     D 26683 Saterland

                     Legal form: Private limited company

                     Share capital:     EUR          4,601,626.93

                     Registered

                     on:         01.03.1977

                     Reg. data:  26135 Oldenburg, HRB 150043

Manager:

                     ROGO Strumpfwerke Geschäftsführungs GmbH

                     Hofer Str. 32

                     D 09353 Oberlungwitz

                     Legal form: Private limited company

                     Share capital:     EUR             51,500.00

                     Registered

                     on:         14.02.2006

                     Reg. data:  09112 Chemnitz, HRB 22622

Manager:

                     ESDA Feinstrumpffabrik GmbH

                     Hofer Str. 32

                     D 09353 Oberlungwitz

                     Legal form: Private limited company

                     Share capital:     EUR          1,022,583.76

                     Registered

                     on:         18.03.1992

                     Reg. data:  09112 Chemnitz, HRB 4880

Manager:

                     Mech. Baumwoll-Spinnerei & Weberei Bayreuth

                     GmbH

                     Tunnelstr. 6

                     D 95448 Bayreuth

                     Post Box:

                     10 08 61

                     Legal form: Private limited company

                     Share capital:     EUR          3,623,780.00

                     Registered

                     on:         29.09.2014

                     Reg. data:  95444 Bayreuth, HRB 6030

Manager:

                     BETE Beteiligungs- und Technologie GmbH

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR             51,129.19

                     Registered

                     on:         30.08.1999

                     Reg. data:  26135 Oldenburg, HRB 120967

Manager:

                     BETE Projektgesellschaft mbH

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR             25,564.60

                     Registered

                     on:         21.09.1994

                     Reg. data:  26135 Oldenburg, HRB 120210

Manager:

                     Fari Verwaltungs GmbH

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR             25,000.00

                     Registered

                     on:         06.10.2000

                     Reg. data:  26135 Oldenburg, HRB 130628

Manager:

                     BT Textil Verwaltungs GmbH

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR             25,500.00

                     Registered

                     on:         12.02.2015

                     Reg. data:  26135 Oldenburg, HRB 209626

Manager:

                     Spandauer Velours Verwaltungsgesellschaft

                     mbH

                     Hartensteiner Str. 60

                     D 09350 Lichtenstein

                     Legal form: Private limited company

                     Share capital:     EUR             30,677.51

                     Registered

                     on:         21.03.1994

                     Reg. data:  09112 Chemnitz, HRB 9747

Manager:

                     NEV New Energy Verwaltungs GmbH

                     Kleibroker Str. 200

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR             25,000.00

                     Registered

                     on:         19.02.1999

                     Reg. data:  26135 Oldenburg, HRB 120920

Member of the Board of Directors:

                     DAUN & Cie Aktiengesellschaft

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Public limited company

                     Share capital:     EUR         21,000,000.00

                     Registered

                     on:         14.08.1985

                     Reg. data:  26135 Oldenburg, HRB 120211

Member of the Supervisory Board:

                     KAP-Beteiligungs-Aktiengesellschaft

                     Edelzeller Str. 44

                     D 36043 Fulda

                     Legal form: Public limited company

                     Share capital:     EUR         17,223,559.60

                     Registered

                     on:         01.10.2010

                     Reg. data:  36037 Fulda, HRB 5859

Proxy:

                     DAUN & Co. Immobilien GmbH

                     Bahnhofstr. 21

                     D 26180 Rastede

                     Legal form: Private limited company

                     Share capital:     EUR            100,000.00

                     Registered

                     on:         27.06.2011

                     Reg. data:  26135 Oldenburg, HRB 205790

Liquidator:

                     Akademie Falkenhaus GmbH

                     Kennedyplatz 2

                     D 50679 Köln

                     Legal form: Private limited company in

                                 liquidation

                     Share capital:     EUR             25,000.00

                     Registered

                     on:         18.08.2014

                     Reg. data:  50939 Köln, HRB 82107

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

09.01.2013 - 23.07.2014  Manager

                         Ralph-Steffen Rosenbauer

                         D 95463 Bindlach

14.05.2013 - 09.01.2014  Manager

                         Stephan Maas

                         D 50667 Köln

09.01.2013 - 02.05.2013  Manager

                         Uwe Kantelhardt

                         D 95463 Bindlach

26.07.2012 - 02.05.2013  Manager

                         Michael Andreas Krause

                         D 40210 Düsseldorf

30.12.2003 - 27.12.2012  Manager

                         Claas Edmund Daun

                         D 26180 Rastede

05.12.1997 - 12.07.2012  Manager

                         Helmut Wirsieg

                         D 95445 Bayreuth

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

4751    Retail sale of textiles

47710   Retail sale of clothing

4775    Retail sale of cosmetics and toilet articles

 

 

BRANCHES AND FACTORIES

 

Branch:

                     NKD Vertriebs GmbH

                     Straße des Friedens 8

                     D 02943 Weißwasser

                     TEL.: 0355/62206

Branch:

                     NKD Vertriebs GmbH

                     Zellaer Str. 5

                     D 98559 Oberhof

                     TEL.: 036842-5516

Branch:

                     NKD Vertriebs GmbH

                     Steinstr. 21

                     D 39418 Staßfurt

                     TEL.: 03925/624123

Branch:

                     NKD Vertriebs GmbH

                     Muskauer Str. 39

                     D 02906 Niesky

                     TEL.: 03588/200991

Branch:

                     NKD Vertriebs GmbH

                     Platz der Völkerfreundschaft 8

                     D 02625 Bautzen

                     TEL.: 03591/601809

                     FAX.: 03591/601809

Branch:

                     NKD Vertriebs GmbH

                     Lindenstr. 2-4

                     D 03149 Forst

                     TEL.: 03562/984327

Branch:

                     NKD Vertriebs GmbH

                     Markt 3-5

                     D 07318 Saalfeld

                     TEL.: 03671/672000

Branch:

                     NKD Vertriebs GmbH

                     Maximilianstr. 65

                     D 95444 Bayreuth

                     TEL.: 0921/7610430

Branch:

                     NKD Vertriebs GmbH

                     Herrnstr. 12

                     D 85368 Moosburg

                     TEL.: 08761/75024

Branch:

                     NKD Vertriebs GmbH

                     Neue Amberger Str. 50

                     D 92655 Grafenwöhr

                     TEL.: 09641/91100

Branch:

                     NKD Vertriebs GmbH

                     Bamberger Str. 11

                     D 91315 Höchstadt

                     TEL.: 09193 / 698700

Branch:

                     NKD Vertriebs GmbH

                     Klingelbrink 10

                     D 33378 Rheda-Wiedenbrück

                     TEL.: 05242/578175

PARTICIPATIONS

 

Shareholder:

                     IBS Immobilien Bad Salzungen GmbH

                     Bühlstr. 5-7

                     D 95463 Bindlach

                     Legal form: Private limited company

                     Company Status: in liquidation

                     since:          29.03.2011

                     Share capital:     EUR          3,067,751.29

                     Share:             EUR          3,067,751.29

                     Reg. data:  04.02.2003

                                 Local court 95444 Bayreuth

                                 HRB 3758

Shareholder:

                     Akademie Falkenhaus GmbH

                     Kennedyplatz 2

                     D 50679 Köln

                     Legal form: Private limited company

                     Company Status: in liquidation

                     since:          10.09.2013

                     Share capital:     EUR             25,000.00

                     Share:             EUR             25,000.00

                     Reg. data:  18.08.2014

                                 Local court 50939 Köln

                                 HRB 82107

 

 

FINANCIAL INFORMATION

 

Payment experience:     within agreed terms

 

Negative information:    We have no negative information at hand.

 

Balance sheet year:       2012

 

 

REAL ESTATE

 

Type of ownership:        proprietor

Share:                           100.00 %

Address                        Bühlstr. 5-7

                                    D 95463 Bindlach

Value at selling price:                 EUR         20,000,000.00

 

Real Estate of:      DAUN & Cie Aktiengesellschaft

Type of ownership:   unknown

Address              Bahnhofstr. 21

                     D 26180 Rastede

 

Real Estate of:      ATLAS Textil Verwaltungs GmbH

Type of ownership:   unknown

Address              Bahnhofstr. 21

                     D 26180 Rastede

 

Real Estate of:      emdequity GmbH

Type of ownership:   Tenant

Address              Widenmayerstr. 2

                     D 80538 München

 

Land register documents were not available.

 

 

BANKERS

 

Principal bank

COMMERZBANK, 95444 BAYREUTH

Sort. code: 77340076

BIC: COBADEFFXXX

 

Further banks

SPARKASSE BAYREUTH, 95463 BINDLACH

Sort. code: 77350110

BIC: BYLADEM1SBT

UNICREDIT BANK - HYPOVEREINSBANK, 95402 BAYREUTH

Sort. code: 77320072

BIC: HYVEDEMM412

POSTBANK, 90322 NÜRNBERG, MITTELFR

Sort. code: 76010085

BIC: PBNKDEFFXXX

 

 

FINANCIAL FIGURES

 

Equipment:                              EUR         29,296,055.00

Ac/ts receivable:                       EUR         19,565,620.00

Liabilities:                            EUR        135,023,396.00

Employees:                                                  6,444

 

 

 

BALANCE SHEETS

 

Balance sheet ratios 01.01.2012 - 31.12.2012

Equity ratio [%]:                                    32.05

Liquidity ratio:                                       0.09

Return on total capital [%]:                     -18.39

 

 

Equity ratio

 

The equity ratio indicates the portion of the equity as compared to the total capital. The higher the equity ratio, the better the economic stability (solvency) and thus the financial autonomy of a company.

 

 

Liquidity ratio

 

The liquidity ratio shows the proportion between adjusted receivables and net liabilities. The higher the ratio, the lower the company's financial dependancy from external creditors.

 

 

Return on total capital

 

The return on total capital shows the efficiency and return on the total capital employed in the company. The higher the return on total capital, the more economically does the company work with the invested capital.

 

 

Type of balance sheet:                         Company balance sheet

 

Financial year:                                     01.01.2012 - 31.12.2012

 

ASSETS                                  EUR        183,407,347.63

 Fixed assets                           EUR         59,020,814.13

  Intangible assets                     EUR          3,275,560.60

   Concessions, licences, rights        EUR          1,623,663.00

   Goodwill                             EUR             68,408.00

   Advance payments for intang. assets  EUR          1,583,489.60

  Tangible assets                       EUR         30,433,036.59

   Land / similar rights                EUR          1,125,481.51

   Other tangible assets / fixtures and

   fittings                             EUR         29,296,055.08

   Advance payments made / construction

   in progress                          EUR             11,500.00

  Financial assets                      EUR         25,312,216.94

   Shares in participations /

   subsidiaries and the like            EUR         19,413,376.08

    Shares in related companies         EUR         19,413,376.08

   Loans to participations /

   subsidiaries and the like            EUR          3,683,488.36

    Loans to related companies          EUR          3,683,488.36

   Other loans                          EUR          2,215,352.50

 Current assets                         EUR        124,058,286.10

  Stocks                                EUR         97,587,000.00

   Raw materials, consumables and

   supplies                             EUR            887,000.00

   Finished goods / work in progress    EUR         96,700,000.00

  Accounts receivable                   EUR         19,565,619.68

   Amounts due from shareholders        EUR         10,725,418.06

   Trade debtors                        EUR            387,385.41

   Amounts due from related companies   EUR          6,917,748.75

   Other debtors and assets             EUR          1,535,067.46

  Liquid means                          EUR          6,905,666.42

 Remaining other assets                 EUR            328,247.40

  Accruals (assets)                     EUR            328,247.40

 

LIABILITIES                             EUR        183,407,347.63

 Shareholders' equity                   EUR         36,119,901.62

  Capital                               EUR          7,570,000.00

   Subscribed capital (share capital)   EUR          7,570,000.00

  Balance sheet profit/loss (+/-)       EUR         28,549,901.62

   Balance sheet profit / loss          EUR         28,549,901.62

 Provisions                             EUR         12,264,050.00

  Provisions for taxes                  EUR             18,000.00

  Other / unspecified provisions        EUR         12,246,050.00

 Liabilities                            EUR        135,023,396.01

  Financial debts                       EUR         50,907,644.47

   Liabilities due to banks             EUR         50,907,644.47

  Other liabilities                     EUR         84,115,751.54

   Trade creditors (for IAS incl. bills

   of exchange)                         EUR         41,459,134.64

   Liabililties due to related companiesEUR         33,601,764.29

   Unspecified other liabilities        EUR          9,054,852.61

 Guarantees and other commitments       EUR          4,150,000.00

  Guarantees / warranties               EUR          3,650,000.00

   Guarantees                           EUR          3,650,000.00

  Other guarantees and other commitmentsEUR            500,000.00

 

PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

Code (HGB)

 Sales                                  EUR        434,648,559.96

 Other operating income                 EUR         15,648,575.25

 Cost of materials                      EUR        252,379,267.75

  Raw materials and supplies, purchased

  goods                                 EUR        252,379,267.75

 Gross result (+/-)                     EUR        197,917,867.46

 Staff expenses                         EUR         97,814,375.54

  Wages and salaries                    EUR         80,727,443.83

  Social security contributions and

  expenses for pension plans and

  benefits                              EUR         17,086,931.71

 Total depreciation                     EUR          9,757,091.98

  Depreciation on tangible / intangible

  asssets (incl. start-up and exp. of

  bus.                                  EUR          9,757,091.98

 Other operating expenses               EUR        121,007,540.10

 Operating result from continuing

 operations                             EUR        -30,661,140.16

 Result from participating interests

 (+/-)                                  EUR         17,024,704.77

  Expenses / income from participations EUR         17,024,704.77

   Income from related companies        EUR         17,024,704.77

 Interest result (+/-)                  EUR        -18,351,732.19

  Interest and similar income           EUR            139,751.73

  Interest and similar expenses         EUR         18,491,483.92

 Other financial result                 EUR            291,481.20

  Income from securities and loans from

  financial assets                      EUR            291,481.20

 Financial result (+/-)                 EUR         -1,035,546.22

 Result from ordinary operations (+/-)  EUR        -31,696,686.38

 Extraordinary income                   EUR         41,429,313.38

 Extraordinary result (+/-)             EUR         41,429,313.38

 Income tax / refund of income tax (+/-)EUR             43,147.50

 Other taxes / refund of taxes          EUR            -83,109.00

 Tax (+/-)                              EUR            -39,961.50

 Annual surplus / annual deficit        EUR          9,692,665.50

 

Inconsistent balance sheets:

Financial year                              published on

01.01.2011 - 31.12.2011                     15.07.2014


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs. 62.56

UK Pound

1

Rs. 93.56

Euro

1

Rs. 65.94

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

DPT

 

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

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NB

                                       New Business

 

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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.