MIRA INFORM REPORT

 

 

Report No. :

314577

Report Date :

28.03.2015

 

IDENTIFICATION DETAILS

 

Name :

AGC NETWORKS PTE. LTD.

 

 

Formerly Known As :

AEGIS TECH SINGAPORE PTE. LTD.


AEGIS IT SERVICES SINGAPORE PTE. LTD.

 

 

Registered Office :

50, Raffles Place, 32-01, Singapore Land Tower, 048623

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2014

 

 

Date of Incorporation :

10.11.2009

 

 

Com. Reg. No.:

200921052-H

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Subject is engaged in the providing information and communication technology consultancy.

 

 

No. of Employees :

1 [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 :

Poor

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.

:

200921052-H

COMPANY NAME

:

AGC NETWORKS PTE. LTD.

FORMER NAME

:

AEGIS TECH SINGAPORE PTE. LTD. (07/07/2011)
AEGIS IT SERVICES SINGAPORE PTE. LTD. (04/02/2010)

INCORPORATION DATE

:

10/11/2009

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

50, RAFFLES PLACE, 32-01, SINGAPORE LAND TOWER, 048623, SINGAPORE.

BUSINESS ADDRESS

:

50, RAFFLES PLACE, 32-01, SINGAPORE LAND TOWER, 048623, SINGAPORE.

TEL.NO.

:

65-65365355

FAX.NO.

:

65-65361360

EMAIL

:

INFO@AGCNETWORKS.COM

WEB SITE

:

WWW.AGCNETWORKS.COM

CONTACT PERSON

:

ANIL GOVINDAN NAIR ( DIRECTOR )

PRINCIPAL ACTIVITY

:

PROVIDING INFORMATION AND COMMUNICATION TECHNOLOGY CONSULTANCY

ISSUED AND PAID UP CAPITAL

:

114.00 ORDINARY SHARE, OF A VALUE OF SGD 8,003,245.00 

SALES

:

USD 35,056,616 [2014]

NET WORTH

:

USD 5,508,701 [2014]

STAFF STRENGTH

:

1 [2015]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

POOR

PAYMENT

:

POOR

MANAGEMENT CAPABILITY

:

WEAK

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

MARGINAL 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) providing information and communication technology consultancy.

 

Share Capital History

Date

Issue & Paid Up Capital

27/03/2015

SGD 8,003,245.00

 

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


Name

Address

IC/PP/Loc No

Shareholding

(%)

AGC NETWORKS LIMITED

EQUINOX BUSINESS PARK, PENINSULA TECHNO PARK, OFF BANDRA KURLA COMPLEX, LBS MARG, KURLA WEST, MUMBAI, 400070, INDIA.

011193

114.00

100.00

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

------

114.00

100.00

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

=====

 

+ Also Director

 

The Subject's interest in other companies (Subsidiaries/Associates) are shown as follow :



Local No

Country

Company

(%)

As At

200921052H

SINGAPORE

AGC NETWORKS PTE. LTD.

100.00

26/11/2014

 

 

 

DIRECTORS



DIRECTOR 1

 

Name Of Subject

:

ANIL GOVINDAN NAIR

Address

:

A201, LODHA BELLISSIMO, N M JOSHI MARG APOLLO MILL COM, MAHALAXMI, MUMBAI, 400011, INDIA.

IC / PP No

:

Z2341077

Nationality

:

INDIAN

Date of Appointment

:

17/06/2014

 

DIRECTOR 2

 

Name Of Subject

:

BAEY CHENG SONG

Address

:

37, GROVE DRIVE, HENRY PARK, 279077, SINGAPORE.

IC / PP No

:

S0247168Z

Nationality

:

SINGAPOREAN

Date of Appointment

:

13/02/2012

 

MANAGEMENT

 

 

1)

Name of Subject

:

ANIL GOVINDAN NAIR

Position

:

DIRECTOR

 

AUDITOR

 

Auditor

:

MGI N RAJAN ASSOCIATES

Auditor' Address

:

N/A

 

Auditor

:

MGI N RAJAN ASSOCIATES

Auditor' Address

:

N/A

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

LAI FOON KUEN

IC / PP No

:

S7423122E

Address

:

518A, TAMPINES CENTRAL, 7, 05-76, 521518, SINGAPORE.

 

BANKING


No Banker found in our databank. 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C201313530

04/10/2013

N/A

FIRST GULF BANK ABU DHABI

-

Unsatisfied

C201313545

04/10/2013

N/A

FIRST GULF BANK ABU DHABI

-

Unsatisfied

C201313547

04/10/2013

N/A

FIRST GULF BANK ABU DHABI

-

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 Subject is a service provider. 

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

[

]

Poor >120 Days

[

X

]

 

CLIENTELE

 

Local

:

N/A

Overseas

:

N/A

Credit Term

:

N/A

Payment Mode

:

N/A


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

 

OPERATIONS

 

Services

:

PROVIDING INFORMATION AND COMMUNICATION TECHNOLOGY CONSULTANCY

 

Total Number of Employees:

YEAR

2015

GROUP

N/A

COMPANY

1

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) providing information and communication technology consultancy. 

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


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-65365355

Match

:

N/A

Address Provided by Client

:

50 RAFFELS PLACE 32 01 SINGAPORE LANO TOWER SINGAPORE 04862

Current Address

:

50, RAFFLES PLACE, 32-01, SINGAPORE LAND TOWER, 048623, SINGAPORE.

Match

:

NO

 

Other Investigations


We contacted the staff from the registered company and she provided some information.


The address provided is stated as per report.


The Subject refused to disclose its bankers.

 

 

FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Decreased

[

2011 - 2014

]

Profit/(Loss) Before Tax

:

Increased

[

2011 - 2014

]

Return on Shareholder Funds

:

Unfavourable

[

(193.15%)

]

Return on Net Assets

:

Unfavourable

[

(173.36%)

]

The continuous fall in turnover could be due to the lower demand for the Subject's products / services.Higher losses before tax during the year could be due to the higher operating costs incurred. The Subject's unfavourable returns on shareholders' funds indicate the management's inefficiency in utilising its assets to generate returns.

Working Capital Control

Stock Ratio

:

Favourable

[

19 Days

]

Debtor Ratio

:

Unfavourable

[

166 Days

]

Creditors Ratio

:

Unfavourable

[

152 Days

]

The Subject's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in 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

:

Acceptable

[

0.92 Times

]

Current Ratio

:

Unfavourable

[

0.98 Times

]

The Subject's liquid ratio was slightly low. This could indicate that the Subject's working capital was slightly deficient. The Subject will have to improve its liquidity position either by obtaining short term financing or increase its paid up capital so that it can meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Unfavourable

[

(9.88 Times)

]

Gearing Ratio

:

Unfavourable

[

2.31 Times

]

The Subject incurred losses in the year. It did not generate sufficient income to service its interest.  If the situation does not improve, the Subject may be vulnerable to default in servicing the interest. 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 :

The Subject's losses could be attributed to the lower turnover which in turn could be the result of unfavourable market conditions. The Subject's liquidity was at an acceptable range. If the Subject is able to obtain further short term financing, it should be able to meet all its short term obligations. The Subject's interest cover was negative, indicating that it did not generate sufficient income to service its interest. If its result does not show impressive improvements or succeed obtaining short term financing or capital injection, it may not be able to service its interest and repay the loans. 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 :

INFORMATION TECHNOLOGY

Singapore's infocomm services industry is well-positioned to tap into the new business opportunities of the digital age. An early mover in infocomm technology, Singapore today ranks as the second most network-ready country in the world and the first in Asia, according to the World Economic Forum's "Global Information Technology Report 2014". The roll out of the Intelligent Nation 2015 Master Plan and the National Broadband Network will further strengthen Singapore's infrastructure network.

Furthermore, BMI has a positive outlook for the growth of Singapore's IT market in 2014, which will underperform emerging market growth rates, but is expected to outperform against other developed markets. Strong income growth, exposure to the APAC growth story and government policy will all support IT market growth over the medium term. Growth from the sales of PC and devices will slow as high device penetration in the city state means little prospect for first time sales, but short replacement cycles and strong demand for premium devices will ensure it remains a lucrative market for vendors. Considering the government active push to promote Singapore as a destination for cloud, big data and analytics services, Singapore should be a strong contender in the data centre space against peers such as Australia, Taiwan, South Korea and Hong Kong.

The information & communications sector grew by 2.3% in the third quarter of 2014. Previously, in the fourth quarter of 2013, the information & communications sector grew by 5.0%, following the 6.0% expansion in the preceding quarter. For the whole of 2013, growth was 5.5%, lower than the 6.2% in 2012.

Nonetheless, computer hardware sales forecast to increase from SGD2.926bn in 2014 to SGD3.333bn in 2018, equating to a compound annual growth rate (CAGR) of 3.5% in local currency terms. The slowdown in tablet sales represents downside by a stabilization in desktop and notebook volumes will see the market continue to grow over the medium term. Besides, software sales forecast to increase from SGD1.436bn in 2014 to SGD1.733bn in 2018, representing a CAGR of 5.2% in local currency terms. SME demand for basic enterprise software (particularly SaaS), complex deployments by large enterprises and investments in security software will all be growth areas.

IT Services sales forecast to increase from SGD3.236bn in 2014 to SGD4.091bn in 2018, equating to a CAGR of 5.9% in local currency terms. Growing demand for cloud computing, big data and analytics services from telecoms, healthcare, logistics and government will support IT services outperformance.

The Intelligent Nation 2015 master plan lays out the blueprint for Singapore’s infocomm strategies in the digital age, with the creation of some 80,000 jobs and an increase of value-add to SGD 26 billion. The master plan will incorporate emerging technologies and leverage strategic developments. Some of these emerging developments include Cloud Computing, Business Analytics and Green ICT. While Singapore has performed well in international e-Government rankings, the next e-Government master plan is already in the pipeline to ensure that we remain at the forefront of e-Government practice and services.

OVERALL INDUSTRY OUTLOOK : MARGINAL GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2009, the Subject is a Private Limited company, focusing on providing information and communication technology consultancy. 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 8,003,245. The Subject have a strong support from its shareholder. 

Being a small company, the Subject's business operation is supported by 1 employees. Overall, we regard that the Subject's management capability is weak. Without capable management, the Subject is unlikely to be successful and often contribute to unacceptable levels of accountability. Weak management can affect productivity, profitability, sales growth and ultimately can result in the failure of a business. 

Due to the challenging market conditions, the Subject's business performance seems to be deteriorating and losses incurred. 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 managed to maintain an adequate liquidity level, indicating that the Subject has the ability to meet its 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 5,508,701, 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 poor payment habit may affect the goodwill between the Subject and its suppliers and the Subject may inadvertently have to pay more for its future supplies. 

The industry has reached its maturity stage and only enjoying a marginal growth. The steady growth of the country's economy will further enhance the industry activities. Thus, the Subject's future performance is very much depend on its marketing strategies in order to retain its position in the market. 

In view of the above, we only recommend credit be proceeded to the Subject with guarantee.

 



PROFIT AND LOSS ACCOUNT

 

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

AGC NETWORKS PTE. LTD.

 

Financial Year End

2014-03-31

2013-03-31

2012-03-31

2011-03-31

Months

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

Financial Type

FULL

FULL

SUMMARY

SUMMARY

Currency

USD

USD

SGD

SGD

TURNOVER

35,056,616

68,485,504

86,012,701

29,307,902

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

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

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

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

Total Turnover

35,056,616

68,485,504

86,012,701

29,307,902

Costs of Goods Sold

(31,848,485)

(54,122,073)

-

-

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

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

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

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

Gross Profit

3,208,131

14,363,431

-

-

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

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

(10,640,317)

(4,190,550)

15,065,158

4,151,186

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

(10,640,317)

(4,190,550)

15,065,158

4,151,186

Taxation

-

181,557

(2,543,642)

(726,683)

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

(10,640,317)

(4,008,993)

12,521,516

3,424,503

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

9,543,142

13,552,135

(1,787,450)

(5,211,953)

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

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

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

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

As restated

9,543,142

13,552,135

(1,787,450)

(5,211,953)

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

(1,097,175)

9,543,142

10,734,066

(1,787,450)

TRANSFER TO RESERVES - General

31,876

-

-

-

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

(1,065,299)

9,543,142

10,734,066

(1,787,450)

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

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Others

977,780

694,480

-

-

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

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

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

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

977,780

694,480

-

-

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

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

 

 

 

 

 

 

BALANCE SHEET

 

AGC NETWORKS PTE. LTD.

 

ASSETS EMPLOYED:

FIXED ASSETS

1,789,783

2,565,739

3,998,521

2,944,024

LONG TERM INVESTMENTS/OTHER ASSETS

Subsidiary companies

4,501,000

1,000

-

-

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

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

4,501,000

1,000

-

-

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

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

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

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

TOTAL LONG TERM ASSETS

6,290,783

2,566,739

3,998,521

2,944,024

Stocks

1,818,182

7,936,280

-

-

Trade debtors

15,987,165

30,883,833

-

-

Other debtors, deposits & prepayments

478,541

779,400

-

-

Short term loans & advances

2,997,426

3,209,711

-

-

Amount due from holding company

-

2,203,171

-

-

Amount due from subsidiary companies

4,700,000

9,100,000

-

-

Amount due from related companies

-

450,000

-

-

Cash & bank balances

2,442,005

495,671

-

-

Others

2,503,477

651,226

-

-

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

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

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

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

TOTAL CURRENT ASSETS

30,926,796

55,709,292

72,958,985

17,730,234

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

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

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

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

TOTAL ASSET

37,217,579

58,276,031

76,957,506

20,674,258

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

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

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

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

CURRENT LIABILITIES

Trade creditors

13,279,756

21,874,103

-

-

Other creditors & accruals

114,821

81,926

-

-

Short term borrowings/Term loans

12,705,048

14,808,264

-

-

Deposits from customers

1,124,236

2,366,612

-

-

Amounts owing to holding company

419,522

2,361,196

-

-

Amounts owing to related companies

1,676,575

34,525

-

-

Other liabilities

2,324,079

590,307

-

-

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

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

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

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

TOTAL CURRENT LIABILITIES

31,644,037

42,116,933

60,144,639

17,215,165

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

(717,241)

13,592,359

12,814,346

515,069

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

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

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

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

TOTAL NET ASSETS

5,573,542

16,159,098

16,812,867

3,459,093

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

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

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

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

SHARE CAPITAL

Ordinary share capital

6,574,000

6,574,000

6,078,801

6,078,801

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

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

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

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

TOTAL SHARE CAPITAL

6,574,000

6,574,000

6,078,801

6,078,801

Retained profit/(loss) carried forward

(1,065,299)

9,543,142

10,734,066

(1,787,450)

Others

-

-

-

(832,258)

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

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

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

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

TOTAL RESERVES

(1,065,299)

9,543,142

10,734,066

(2,619,708)

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

5,508,701

16,117,142

16,812,867

3,459,093

Others

64,841

41,956

-

-

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

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

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

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

TOTAL LONG TERM LIABILITIES

64,841

41,956

-

-

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

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

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

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

5,573,542

16,159,098

16,812,867

3,459,093

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

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

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

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

 

 

 

 

 

 

FINANCIAL RATIO

 

AGC NETWORKS PTE. LTD.

 

TYPES OF FUNDS

Cash

2,442,005

495,671

-

-

Net Liquid Funds

2,442,005

495,671

-

-

Net Liquid Assets

(2,535,423)

5,656,079

12,814,346

515,069

Net Current Assets/(Liabilities)

(717,241)

13,592,359

12,814,346

515,069

Net Tangible Assets

5,573,542

16,159,098

16,812,867

3,459,093

Net Monetary Assets

(2,600,264)

5,614,123

12,814,346

515,069

BALANCE SHEET ITEMS

Total Borrowings

12,705,048

14,808,264

-

-

Total Liabilities

31,708,878

42,158,889

60,144,639

17,215,165

Total Assets

37,217,579

58,276,031

76,957,506

20,674,258

Net Assets

5,573,542

16,159,098

16,812,867

3,459,093

Net Assets Backing

5,508,701

16,117,142

16,812,867

3,459,093

Shareholders' Funds

5,508,701

16,117,142

16,812,867

3,459,093

Total Share Capital

6,574,000

6,574,000

6,078,801

6,078,801

Total Reserves

(1,065,299)

9,543,142

10,734,066

(2,619,708)

LIQUIDITY (Times)

Cash Ratio

0.08

0.01

-

-

Liquid Ratio

0.92

1.13

-

-

Current Ratio

0.98

1.32

1.21

1.03

WORKING CAPITAL CONTROL (Days)

Stock Ratio

19

42

-

-

Debtors Ratio

166

165

-

-

Creditors Ratio

152

148

-

-

SOLVENCY RATIOS (Times)

Gearing Ratio

2.31

0.92

-

-

Liabilities Ratio

5.76

2.62

3.58

4.98

Times Interest Earned Ratio

(9.88)

(5.03)

-

-

Assets Backing Ratio

0.85

2.46

2.77

0.57

PERFORMANCE RATIO (%)

Operating Profit Margin

(30.35)

(6.12)

17.52

14.16

Net Profit Margin

(30.35)

(5.85)

14.56

11.68

Return On Net Assets

(173.36)

(21.64)

89.60

120.01

Return On Capital Employed

(173.36)

(21.64)

89.60

120.01

Return On Shareholders' Funds/Equity

(193.15)

(24.87)

74.48

99.00

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.62.61

UK Pound

1

Rs.92.95

Euro

1

Rs.68.15

 

 

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

Report Prepared by :

TPT

 

               


 

RATING EXPLANATIONS

 

RATING

STATUS

PROPOSED CREDIT LINE

 

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

 

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

 

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

 

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

 

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

 

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

 

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

Credit not recommended

 

--

NB

New Business

--

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.