MIRA INFORM REPORT

 

 

Report No. :

319182

Report Date :

06.05.2015

 

IDENTIFICATION DETAILS

 

Name :

AGRI AND INDUSTRIAL RUBBER LIMITED

 

 

Formerly Known As :

THE  FLAT  RUBBER  COMPANY  LIMITED

 

GRADUATE  ELECTRONICS  LIMITED

 

THE  FLAT  RUBBER  COMPANY  LIMITED

 

 

Registered Office :

Perssepark  Aughrim Ballinasloe Cogalway 41205

 

 

Country :

Ireland

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

16.03.1992

 

 

Com. Reg. No.:

IE185898

 

 

Legal Form :

Private limited with Share Capital

 

 

Line of Business :

The sale and installation of cattle mats.

 

 

No. of Employees :

14 (2013)

 

 

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)

Ireland

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

IRELAND - ECONOMIC OVERVIEW

 

Hong Kong has a free market economy, highly dependent on international trade and finance - the value of goods and services trade, including the sizable share of re-exports, is about four times GDP. Hong Kong has no tariffs on imported goods, and it levies excise duties on only four commodities, whether imported or produced locally: hard alcohol, tobacco, hydrocarbon oil, and methyl alcohol. There are no quotas or dumping laws. Hong Kong's open economy left it exposed to the global economic slowdown that began in 2008. Although increasing integration with China, through trade, tourism, and financial links, helped it to make an initial recovery more quickly than many observers anticipated, its continued reliance on foreign trade and investment leaves it vulnerable to renewed global financial market volatility or a slowdown in the global economy. The Hong Kong government is promoting the Special Administrative Region (SAR) as the site for Chinese renminbi (RMB) internationalization. Hong Kong residents are allowed to establish RMB-denominated savings accounts; RMB-denominated corporate and Chinese government bonds have been issued in Hong Kong; and RMB trade settlement is allowed. The territory far exceeded the RMB conversion quota set by Beijing for trade settlements in 2010 due to the growth of earnings from exports to the mainland. RMB deposits grew to roughly 12% of total system deposits in Hong Kong by the end of 2013. The government is pursuing efforts to introduce additional use of RMB in Hong Kong financial markets and is seeking to expand the RMB quota. The mainland has long been Hong Kong's largest trading partner, accounting for about half of Hong Kong's total trade by value. Hong Kong's natural resources are limited, and food and raw materials must be imported. As a result of China's easing of travel restrictions, the number of mainland tourists to the territory has surged from 4.5 million in 2001 to 40.7 million in 2013, outnumbering visitors from all other countries combined. Hong Kong has also established itself as the premier stock market for Chinese firms seeking to list abroad. In 2012 mainland Chinese companies constituted about 48.5% of the firms listed on the Hong Kong Stock Exchange and accounted for about 56.9% of the Exchange's market capitalization. During the past decade, as Hong Kong's manufacturing industry moved to the mainland, its service industry has grown rapidly. Credit expansion and tight housing supply conditions have caused Hong Kong property prices to rise rapidly; consumer prices increased by more than 4% in 2013. Lower and middle income segments of the population are increasingly unable to afford adequate housing. Hong Kong continues to link its currency closely to the US dollar, maintaining an arrangement established in 1983. In 2013, Hong Kong and China signed new agreements under the Closer Economic Partnership Agreement, adopted in 2003 to forge closer ties between Hong Kong and the mainland. The new measures, effective from January 2014, cover services and trade facilitation, and will improve access to the mainland's service sector for Hong Kong-based companies. As of year-end 2014, the Democracy protests that began in late September probably will have some adverse effects on economic growth, particularly retail sales.

 

Source : CIA

 

 

Company name

 

AGRI  AND  INDUSTRIAL  RUBBER  LIMITED

 

 

Company  No

 

IE185898

 

 

Company  Status

 

Active  -  Accounts  Filed

 

 

address

 

PERSSEPARK  AUGHRIM

BALLINASLOE

COGALWAY 41205

 

 

Company  Summary

 

Registered  Address

PERSSEPARK  AUGHRIM

Trading  Address

BRACKLOON  KILTULLA

 

BALLINASLOE

 

ATHENRY

 

COGALWAY

 

CO  GALWAY

 

41205

 

CO  GALWAY

 

 

 

41205

Website  Address

-

 

 

Telephone  Number

 

Fax  Number

 

TPS

No

FPS

No

Incorporation  Date

16/03/1992

 

 

Previous  Name

THE  FLAT  RUBBER  COMPANY

Type

Private  limited  with  Share  Capital

 

LIMITED

 

 

FTSE  Index

-

Date  of  Change

-

Filing  Date  of  Accounts

-

Currency

EUR

Share  Capital

€197

SIC07

 

Charity  Number

-

SIC07  Description

 

 

 

Principal  Activity

The sale  and  installation  of  cattle  mats.

Key  Financials

 

Year  to  Date

Turnover

Pre  Tax  Profit

Shareholder

Funds  Employees

31/12/2013

€11,623,691

€1,396,876

€5,886,267

14

31/12/2012

€9,358,989

€1,052,992

€4,683,445

13

31/12/2011

-

€932,739

€3,769,324

11

 

 

Mortgage  Summary

 

Total  Mortgage

4

Outstanding

2

Satisfied

2

 

 

Trade  Debtors  /  Bad  Debt  Summary

 

Total  Number  of  Documented  Trade

0

Total  Value  of  Documented  Trade

€0

 

 

Commentary

 

No exact match CCJs are recorded against the company.

Sales in the latest trading period increased 24.2% on the previous trading period.

Net Worth increased by 25.7% during the latest trading period.

A 18% growth in Total Assets occurred during the latest trading period.

Pre-tax profits increased by 32.7% compared to the previous trading period.

 

 

CJ

 

Total  Number  of  Exact  CJs  -

0

Total  Value  of  Exact  CJs  -

€0

Total  Number  of  Possible  CJs  -

0

Total  Value  of  Possible  CJs  -

€0

Total  Number  of  Satisfied  CJs  -

0

Total  Value  of  Satisfied  CJs  -

€0

 

 

Total  Current  Directors

2

Total  Current  Secretaries

1

Total  Previous  Directors  /  Company

0

Secretaries

 

 


Current DIRECTORS

 

Name

MICHAEL  EARLS

Date  of  Birth

21/01/1959

Officers  Title

 

Nationality

 

Present  Appointments

6

Function

Director

Appointment  Date

18/02/1993

 

 

Address

BRACKLOON,  KILTULLA,  ATHENRY,  CO.  GALWAY.

 

 

 

 

 

 

Name

MAUREEN  EARLS

Date  of  Birth

28/04/1958

Officers  Title

 

Nationality

 

Present  Appointments

2

Function

Director

Appointment  Date

14/05/1997

 

 

Address

BRACKLOON  KILTULLA,  ATHENRY,  CO.  GALWAY

 

 

 

 

Current COMPANY  Secretary

 

Name

MICHAEL  EARLS

Date  of  Birth

21/01/1959

Officers  Title

 

Nationality

 

Present  Appointments

6

Function

Company  Secretary

Appointment  Date

18/02/1993

 

 

Address

BRACKLOON,  KILTULLA,  ATHENRY,  CO.  GALWAY.

 

 

 

 

Top  20  Shareholders

 

Name

Currency

Share  Count    

Share  Type

Nominal  Value

% of  Total  Share  Count

MAUREEN  EARLS

EUR

7,520

ORDINARY  A

0.01

38.27

MAUREEN  EARLS

EUR

4,000

ORDINARY  B

0.01

20.36

GARY  EARLS

EUR

2,000

ORDINARY  B

0.01

10.18

DAVID  EARLS

EUR

2,000

ORDINARY  B

0.01

10.18

NIALL  EARLS

EUR

2,000

ORDINARY  B

0.01

10.18

MICHAEL  EARLS

EUR

1,880

ORDINARY  A

0.01

9.57

P.J.  BURKE

EUR

250

ORDINARY  REDEEMABLE

0.01

1.27

Profit  &  Loss

 

Date  Of

Accounts

31/12/13

(%)

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

Weeks

52

(%)

52

(%)

52

(%)

52

(%)

52

Currency

EUR

(%)

EUR

(%)

EUR

(%)

EUR

(%)

EUR

Consolidated

 

 

 

 

 

 

 

 

 

 

N

(%)

N

(%)

N

(%)

N

(%)

N

A/cs

 

 

 

 

 

 

 

 

 

Turnover

€11,623,691

24.2%

€9,358,989

-

-

-

-

-

-

Export

-

-

-

-

-

-

-

-

-

Cost  of  Sales

€7,915,357

25.6%

€6,299,751

-

-

-

-

-

-

Gross  Profit

€3,708,334

21.2

€3,059,238

11.4%

€2,746,362

39.3%

€1,971,400

-35.1%

€3,037,04

Wages  & Salaries

€805,688

14.2%

€705,244

16.7%

€604,287

-36.5%

€951,090

-0.8%

€958,801

Directors

€184,657

11.3%

€165,893

19.2%

€139,225

3%

€135,194

0.4%

€134,668

Emoluments

 

 

 

 

 

 

 

 

 

Operating  Profit

€1,385,773

30.9

€1,058,95

10.6

€957,382

428.3%

-€291,581

-99.3%

€293,610

Depreciation

€199,064

39.9%

€142,334

-13%

€163,599

-40.3%

€274,163

-7.5%

€296,242

Audit  Fees

-

-

-

-

-

-

-

-

€14,000

Interest Payments

€28,524

-6.8%

€34,279

14.6%

€29,917

-2.3%

€30,632

-49.2%

€60,266

Pre  Tax  Profit

€1,396,876

32.7%

€1,052,992

12.9%

€932,739

399.9%

-€311,026

-99.9%

-€10,726

Taxation

-€194,054

-9.6%

-€138,969

-0.1%

-€126,215

-99.9%

€10,454

498.4%

€1,747

Profit  After  Tax

€1,202,822

31.6%

€914,023

13.3%

€806,524

368.3%

-€300,572

-99.9%

-€8,979

Dividends

 

-

-

-

-

-

-

-

-

-

Retained  Profit

€1,202,822

31.6%

€914,023

13.3%

€806,524

368.3%

-€300,572

-99.9%

-€8,979

 

 

Balance  Sheet

 

Date  Of

Accounts

31/12/13

(%)

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

 

 

 

 

 

 

 

 

 

 

Tangible  Assets

€813,001

84.1%

€441,672

15.3%

€383,187

-15.7%

€454,359

-31.4%

€662,272

Intangible

Assets

0

-

0

-

0

-

0

-

0

Total  Fixed

Assets

€813,001

84.1%

€441,672

15.3%

€383,187

-15.7%

€454,359

-31.4%

€662,272

Stock

€2,116,127

-14%

€2,461,126

81.9%

€1,352,859

-21.9%

€1,731,800

24.8%

€1,387,340

Trade  Debtors

€2,117,539

-10%

€2,352,576

24.8%

€1,884,476

9.1%

€1,727,005

49.9%

€1,151,882

Cash

€1,721,985

213.2%

€549,844

-52.6%

€1,161,006

857.4%

€121,271

-83.1%

€719,665

Other  Debtors

€656,693

35.2%

€485,565

17.1%

€414,718

33.2%

€311,251

40.1%

€222,178

Miscellaneous Current  Assets

0

-

0

-

0

-

0

-

0

Total  Current Assets

€6,612,344

13%

€5,849,111

21.5%

€4,813,059

23.7%

€3,891,327

11.8%

€3,481,065

Trade  Creditors

€588,591

-27.8%

€815,299

48.1%

€550,642

-10.7%

€616,667

58.7%

€388,559

Bank  Loans  &

Overdrafts

€550,000

-

€550,000

-2.8%

€565,607

1%

€559,963

999.9%

€3,847

Other  Short  Term

Finance

€41,434

999.9%

€2,327

-85.4%

€15,978

-84.4%

€102,096

-34.4%

€155,572

Miscellaneous

 Liabilities

€298,732

26.6%

€236,012

-18.2%

€288,668

246.9%

€83,206

-57.2%

€194,571

Total Current Liabilities

€1,478,757

-7.8%

€1,603,638

12.9%

€1,420,895

4.3%

€1,361,932

83.4%

€742,549

Bank  Loans  &

Overdrafts  and LTL

€610,321

10.2%

€553,700

-3.1%

€571,634

-1.6%

€580,917

366.5%

€124,536

Other  Long  Term

€60,321

999.9%

€3,700

-38.6%

€6,027

-71.2%

€20,954

-82.6%

€120,689

Total  Long  Term

Liabilities

€60,321

999.9%

€3,700

-38.6%

€6,027

-71.2%

€20,954

-82.6%

€120,689

 

 

Capital  &  Reserves

 

Date  Of

Accounts

31/12/13

(%)

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

Called  Up  Share

€196

-

€196

100%

€98

-

€98

-2%

€100

P  &  L  Account

Reserve

€5,886,054

25.7%

€4,683,232

24.2%

€3,769,209

27.2%

€2,962,685

-9.6%

€3,276,825

Revaluation

Reserve

-

-

-

-

-

-

-

-

-

Sundry

Reserves

 

€17

-

€17

-

€17

-

€17

-99.5%

€3,174

Shareholder

Funds

€5,886,267

25.7%

€4,683,445

24.3%

€3,769,324

27.2%

€2,962,800

-9.7%

€3,280,099

 

 

Other  Financial  Items

 

Date  Of Accounts

31/12/13

(%)

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

 

 

 

 

 

 

 

 

 

 

Net  Worth

€5,886,267

25.7%

€4,683,445

24.3%

€3,769,324

27.2%

€2,962,800

-9.7%

€3,280,099

Working  Capital

€5,133,587

20.9%

€4,245,473

25.2%

€3,392,164

34.1%

€2,529,395

-7.6%

€2,738,516

Total  Assets

€7,425,345

18%

€6,290,783

21.1%

€5,196,246

19.6%

€4,345,686

4.9%

€4,143,337

Total  Liabilities

€1,539,078

-4.2%

€1,607,338

12.6%

€1,426,922

3.2%

€1,382,886

60.2%

€863,238

Net  Assets

€5,886,267

25.7%

€4,683,445

24.3%

€3,769,324

27.2%

€2,962,800

-9.7%

€3,280,099

 

 

Cash  Flow

 

Date  Of Accounts

31/12/13

(%)

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

 

 

 

 

 

 

 

 

 

 

Net  Cashflow

 from  Operations

€1,892,240

721.7%

-€304,370

-125.2%

€1,207,492

240.1%

-€861,576

-186.8%

€992,207

Net  Cashflow

before  Financing

€1,076,413

285.7%

-€579,675

-151.1%

€1,135,136

213.3%

-€1,002,041

-258.7%

€631,264

Net  Cashflow

from  Financing

€95,728

999.9%

-€273

99.7%

-€95,401

-123.4%

€407,494

625.1%

-€77,610

Increase  in Cash

€1,172,141

302.1%

-€579,948

-155.8%

€1,039,735

274.9%

-€594,547

-207.4%

€553,654

 

 

Miscellaneous

 

Date  Of Accounts

31/12/13

(%)

31/12/12

(%)

31/12/11

(%)

31/12/10

(%)

31/12/09

 

 

 

 

 

 

 

 

 

 

Contingent

Liability

NO

-

NO

-

NO

-

NO

-

NO

Capital

Employed

€5,946,588

26.9%

€4,687,145

24.2%

€3,775,351

26.5%

€2,983,754

-12.3%

€3,400,788

Number  of

Employees

14

7.7%

13

18.2%

11

-35.3%

17

-10.5%

19

 

Auditors

DHKN  LIMITED

Auditor Comments

The  audit  report  contains  no  adverse  comments

Bankers

ALLIED  IRISH  BANK

Bank  Branch Code

 

 

 

Ratios

 

Date  Of Accounts

31/12/13

31/12/12

31/12/11

31/12/10

31/12/09

 

 

 

 

 

 

Pre-tax  profit

margin  % 

12.02

11.25

-

-

-

Current  ratio

4.47

3.65

3.39

2.86

4.69

Sales/Net Working  Capital

2.26

2.20

-

-

-

 

 

 

 

 

 

Gearing  %

10.40

11.80

15.20

19.60

3.80

Equity  in  %

79.30

74.40

72.50

68.20

79.20

Creditor  Days

18.43

31.70

-

-

-

Debtor  Days

66.31

91.49

-

-

-

Liquidity/Acid

3.04

2.11

2.43

1.58

2.81

Test Return  On

Capital Employed  %

23.49

22.46

24.70

-10.42

-0.31

Return  On  Total Assets Employed  %

18.81

16.73

17.95

-7.15

-0.25

Current  Debt

Ratio

0.25

0.34

0.37

0.45

0.22

Total  Debt  Ratio

0.26

0.34

0.37

0.46

0.26

Stock  Turnover

Ratio  %

18.20

26.29

-

-

-

Return  on  Net Assets Employed  %

23.73

22.48

24.74

-10.49

-0.32

 

 

Report  Notes

 

There  are  no  notes  to  display.

 

 

Status  History

 

No  Status  History  found

 

 

Event  History

 

Date

Description

26/11/2014

New  Accounts  Filed

26/11/2014

New  Accounts  Filed

24/11/2014

Annual  Returns

27/11/2013

New  Accounts  Filed

25/11/2013

Annual  Returns

03/12/2012

New  Accounts  Filed

03/12/2012

New  Accounts  Filed

27/11/2012

Annual  Returns

08/02/2012

Annual  Returns

30/11/2011

New  Accounts  Filed

27/11/2010

Annual  Returns

27/11/2010

New  Accounts  Filed

27/11/2010

New  Accounts  Filed

02/12/2009

New  Accounts  Filed

02/12/2009

New  Accounts  Filed

 

 


Previous  Company  Names

 

Date

Previous  Name

N/A

THE  FLAT  RUBBER  COMPANY  LIMITED

18/02/1999

GRADUATE  ELECTRONICS  LIMITED

16/03/1992

THE  FLAT  RUBBER  COMPANY  LIMITED

 

Received  Documents

 

 

Writ  Details

 

No  writs  found

 

 

Statistics

 

Group

-

Linkages

0 companies

Countries

In  0  countries

 

 

Summary

 

Holding  Company

-

Ownership  Status

 

Ultimate  Holding  Company

-

 

 

Group  Structure

 

No  Group  Structure

 

 

Business  Owner  Links

 

Business  Name

Business  No

Business  Status.

AGRI  AND  INDUSTRIAL  RUBBER  LIMITED

IE185898

 

    EASYFIX  RUBBER  PRODUCTS

224367

NORMAL

 

 

Mortgage  Details

 

Mortgage  Type:

A  charge  on  land,  wherever  situate,  or  any  interest  therein,  but  not  including  a  charge  for  any  rent

Date  Charge  Created:

06/10/05

Date  Charge  Registered:

14/10/05

Date  Charge  Satisfied:

-

Status:

NOT  SATISFIED

Person(s)  Entitled:

ALLIED  IRISH  BANKS  PLC

Amount  Secured:

All monies and/or obligations which now are, or at any time may become, due or owing to the security holder by the company on any account and all the other liabilities whatsoever of the company to the security holder whether actual or contingent and whether as principal debtor, guarantor, surety or otherwise.

Mortgage Type:

A charge on uncalled share capital of the company. A charge created or evidenced by an instrument wh

Date  Charge  Created:

16/03/04

Date  Charge  Registered:

29/03/04

Date  Charge  Satisfied:

-

Status:

NOT  SATISFIED

Person(s)  Entitled:

ALLIED  IRISH  BANKS  PLC

Amount Secured:

 

 Details:

All monies and/or obligations which now are, or at any time may become, due or owing to the security holder by the company on any account and all the other liabilities whatsoever of the company to the security holder whether actual or contingent and whether as principal debtor, guarantor, surety or otherwise.

Mortgage Type:

A charge on book debts of the company.

Mortgage  Type:

A  charge  on  book  debts  of  the  company.

Date  Charge  Created:

13/06/02

Date  Charge  Registered:

13/06/02

Date  Charge  Satisfied:

09/09/11

Status:

FULLY  SATISFIED

Person(s)  Entitled:

CELTIC  INVOICE  DISCOUNTING  PLC.,

Amount  Secured:

 

 

All  monies  and/or  obligations  which  now  are,  or  at  any  time  may  become,  due  or  owing  to  the  security

Details:

holder  under  an  agreement  between  AGRI  AND  INDUSTRIAL  RUBBER  LIMITED  and  CELTIC

 

INVOICE  DISCOUNTING  PLC  dated  13/06/2002

Mortgage  Type:

DEBENTURE.

Date  Charge  Created:

18/04/01

Date  Charge  Registered:

26/04/01

Date  Charge  Satisfied:

09/09/11

Status:

FULLY  SATISFIED

Person(s)  Entitled:

CELTIC  INVOICE  DISCOUNTING  PLC.,

Amount  Secured:

 

Details:

ALL  SUMS  DUE  OR  HEREAFTER  TO  BECOME  DUE

 

 

Previous DIRECTOR/Company SECRETARIES

 

No  Previous  Director  Details

 

 

Average  Invoice  Value

€176.30

Invoices  available

59

Paid

51

Outstanding

8

Trade  Payment  Data  is  information  that  we  collect  from  selected  third  party  partners  who  send  us  information  about  their  whole  sales ledger.

 

 

 

 

Within  Terms

0-30  Days

31-60  Days

61-90  Days

91+  Days

Paid

7

16

17

9

2

Outstanding

0

0

0

4

4

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.52

UK Pound

1

Rs.95.96

Euro

1

Rs.70.54

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

VNT

 

               

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.