MIRA INFORM REPORT

 

 

Report No. :

322956

Report Date :

19.05.2015

 

IDENTIFICATION DETAILS

 

Name :

JOS  VANNESTE  NV

 

 

Registered Office :

Peter Pauwel Rubensstr. 3 8530 Harelbeke

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

14.03.1986

 

 

Com. Reg. No.:

428663784

 

 

Legal Form :

Public  Limited  Liability

 

 

Line of Business :

Subject is engaged in preparation  and  spinning  of textile fibres

 

 

No. of Employees :

35

 

 

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 :

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 shifts in foreign demand, particularly in Belgium’s EU trade partners. Roughly three-quarters of Belgium's trade is with other EU countries. In 2014 Belgian GDP grew by 0.9%, the unemployment rate stabilized at 8.5%, and the government maintained the budget deficit below the euro-zone threshold of 3% of GDP for a second year in a row. Prime Minister Charles MICHEL’s center-right government has pledged to further reduce the deficit in response to EU pressure to reduce Belgium’s high public debt, which remains above 100% of GDP, but such efforts could also dampen economic growth. In addition to restrained public spending, low wage growth and high unemployment promise to curtail a more robust recovery in private consumption. The government has pledged to pursue an reform program to improve Belgium’s competitiveness, including changes to tax policy, labor market rules, and welfare benefits. These changes risk worsening tensions with trade unions and triggering extended strikes.

 

Source : CIA


Company summary

 

Business  number

428663784

Branche  Unit  Number

2032934215

Company  name

JOS  VANNESTE  NV

Address

PETER  PAUWEL  RUBENSSTR.  3

 

8530 HARELBEKE

Number  of  staff

35

Date  of  establishment

14/03/1986

Telephone  number

056712413

Fax  number

056711285

 

 

Commentary

 

The  business  was  established  over  29  years  ago. The  business  has  38  employees.

 

The  business  has  been  at  the  address  for  over  23  months. Net  Worth  decreased  by  23%  during  the  latest  trading  period. Pre-tax  profits  decreased  by  939%  compared  to  the  previous  trading  period. The  business  saw  a  decrease  in  their  Cash  Balance  of  33%  during  the  latest  trading  period. Turnover  in  the  latest  trading  period  increased  64%  on  the  previous  trading  period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

37,463,256

-355,066

1,734,152

121,195

30/06/2012

22,748,685

42,274

2,252,437

665,963

30/06/2011

30,552,686

229,428

2,252,290

840,484

 

Accounts

 

 

 

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

10,040,901

35

700,000

-115,633

30/06/2012

10,085,514

42

700,000

241,037

30/06/2011

12,014,014

45

700,000

359,681

 

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

32.56

Industry  average  payment

69.07

Industry  average  day  sales

89.72

expectation  days

 

outstanding

 

Day  sales  outstanding

49.44

 

 

 

 

Court data summary

 

BANKRUPTCY DETAILS

 

Court  action  type   no

 

PROTESTED  BILLS

 

Bill  amount

-

 

NSSO  DETAILS

 

Date  of  summons

-

 

 

Company information

 

Business  number

428663784

Company  name

JOS  VANNESTE  NV

Fax  number

056711285

Date  founded

14/03/1986

Company  status

active

Company  type

Public  Limited  Liability

 

 

 

Company  (BE)

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2013

Activity  code

13100

Liable  for  VAT

yes

Activity  description

Preparation  and  spinning  of textile fibres

VAT  Number

BE.0428.663.784  Check  VAT 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

120

Description

Joint  committee  for  the  textile  industry  and  knitting

category

 

JIC  Code

214

Description

JC  for  the  employees  in  the  textile  industry  and  the  knitting

category

 

Significant  Events

 

Event  Date

01/12/2011

Event  Description

re-appointment  of  director(s)

Event  Details

Commentaar  01-12-2011:  Herbenoemd  als  bestuurders  tot  de  jaarvergadering  van  2017  :  Vanninvest Nv  (tevens  voorzitter  van  de  raad  van  bestuur)  en  Flanders  Flax  Holding  BVBA  (tevens  gedelegeerd bestuurder).

 

 

Company accounts

 

Assets

 

Annual  accounts

31-12-2013

%

30-06-2012

%

30-06-2011

%

30-06-2010

%

30-06-2009

Weeks

78

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

2,220,260

-3.35

2,297,176

7.23

2,142,341

-11.81

2,429,313

33.52

1,819,449

Intangible  fixed  assets

0

-

0

-

0

-

0

-

0

Tangible  fixed  assets

2,218,346

-2.86

2,283,648

8.02

2,114,018

13.03

1,870,362

368

399,391

Land  &  building

1,467,311

-4.82

1,541,541

-3.10

1,590,892

-3.01

1,640,243

473

285,920

Plant  &  machinery

661,124

7.21

616,662

68.27

366,473

111

173,415

397

34,883

Furniture  &  Vehicles

27,413

-21.66

34,991

-12.30

39,898

1534

2,442

-80.96

12,824

Leasing  &  Other  Similar  Rights

-

-

-

-

-

-

-

-

-

Other  tangible  assets

62,498

-30.91

90,454

-22.53

116,755

115

54,262

-17.49

65,763

Financial  fixed  assets

1,914

-85.85

13,528

-52.24

28,322

-94.93

558,951

-60.64

1,420,058

Total  current  assets

7,820,641

0.41

7,788,338

-21.10

9,871,673

19.52

8,259,216

3.65

7,968,016

Inventories

2,201,096

-31.75

3,225,069

-0.24

3,232,856

26.12

2,563,225

8.70

2,358,101

Raw  materials  &  consumables

555,468

-1.60

564,476

-26.54

768,393

127

337,476

9.90

307,074

Work  in  progress

163,506

-35.44

253,280

-4.32

264,717

16.47

227,278

19.88

189,591

Finished  goods

1,482,122

-38.18

2,397,429

8.99

2,199,747

57.31

1,398,324

-21.25

1,775,644

Other  stocks

0

-100

9,885

-

0

-100

600,147

599

85,792

Trade  debtors

5,074,841

18.43

4,284,935

-31.68

6,272,266

28.06

4,897,996

31.10

3,735,993

Other  amounts  receivable

423,873

338

96,579

-63.57

265,097

-23.51

346,593

22.78

282,295

 

Cash

104,398

-33.61

157,260

126

69,283

-83.58

421,949

-72.90

1,557,227

Miscellaneous  current  assets

16,434

-32.91

24,495

-23.86

32,170

9.23

29,453

-14.38

34,399

Total  Assets

10,040,901

-0.44

10,085,514

-16.05

12,014,014

12.40

10,688,529

9.21

9,787,465

Liabilities

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

1,734,152

-23.01

2,252,437

0.01

2,252,290

-1.29

2,281,645

74.34

1,308,719

Issued  share  capital

700,000

0

700,000

0

700,000

0

700,000

0

700,000

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

1,248,889

-3.97

1,300,579

-2.57

1,334,944

-2.51

1,369,310

-

-

Reserves

-214,737

-185

251,858

15.88

217,346

2.36

212,335

-65.12

608,719

Provisions  for  Liabilities  &  Charges

0

-100

257

-92.15

3,277

-45.77

6,044

-32.43

8,944

Deffered  taxes

1,002

-74.56

3,937

-36.85

6,234

-26.93

8,531

-21.21

10,828

Creditors

8,305,748

6.09

7,828,883

-19.72

9,752,212

16.20

8,392,310

-0.79

8,458,973

Other  long  term  loans

406,301

-19.78

506,509

-2.79

521,023

2.05

510,542

0.13

509,900

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

200,000

0

200,000

0

200,000

0

200,000

0

200,000

Total  long  term  debts

607,303

-14.55

710,703

-2.71

730,534

0.75

725,117

-0.62

729,672

Current  portion  of  long  term  debt

214,435

9.36

196,080

11.29

176,187

13.94

154,636

37.09

112,802

Financial  debts

2,758,564

222

856,418

0.00

856,404

-54.68

1,889,685

-27.87

2,620,000

Trade  creditors

3,308,839

-39.79

5,495,488

-23.62

7,194,671

45.98

4,928,622

28.62

3,831,970

Amounts  Payable  for  Taxes,

251,953

-11.30

284,042

-8.31

309,775

34.65

230,051

-9.29

253,621

Remuneration  &  Social  Security

 

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

1,165,655

301

290,347

-41.24

494,152

3.21

478,773

-48.56

930,680

Total  current  liabilities

7,699,446

8.10

7,122,374

-21.14

9,031,189

17.57

7,681,768

-0.87

7,749,073

Total  Liabilities

10,040,901

-0.44

10,085,514

-16.05

12,014,014

12.40

10,688,529

9.21

9,787,465

 

ratio  analysis

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

-0.95

-600

0.19

-74.67

0.75

-83.87

4.65

715

0.57

Return  on  capital  employed

-15.16

-1160

1.43

-81.40

7.69

-75.96

31.99

642

4.31

Return  on  total  assets  employed

-3.54

-942

0.42

-78.01

1.91

-78.78

9.00

900

0.90

Return  on  net  assets  employed

-20.47

-1188

1.88

-81.55

10.19

-75.83

42.16

528

6.71

Sales  /  net  working  capital

309.12

804

34.16

-6.02

36.35

1.39

35.85

-49.44

70.90

Stock  turnover  ratio

5.88

-58.53

14.18

34.03

10.58

-14.54

12.38

-18.50

15.19

Creditor  days

32.56

-63.62

89.51

0.45

89.11

-4.31

93.12

0.52

92.64

Debtor  days

49.44

-28.09

68.75

-8.25

74.93

-13.25

86.37

-1.68

87.85

 

SHORT TERM STABILITY

 

Current  ratio

1.02

-6.42

1.09

0

1.09

0.93

1.08

4.85

1.03

 

Liquidity  ratio  /  acid  ratio

0.73

14.06

0.64

-13.51

0.74

0

0.74

2.78

0.72

 

Current  debt  ratio

4.44

40.51

3.16

-21.20

4.01

18.99

3.37

-43.07

5.92

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

-115,633

-147

241,037

-32.99

359,681

388

-92,626

-144

208,256

Net  worth

1,734,152

-23.01

2,252,437

0.01

2,252,290

-1.29

2,281,645

74.34

1,308,719

LONG  TERM  STABILITY

Gearing

194.87

181

69.21

0.33

68.98

-38.39

111.97

-54.81

247.78

Equity  in  percentage

17.27

-22.66

22.33

19.09

18.75

-12.18

21.35

59.69

13.37

Total  debt  ratio

4.79

37.64

3.48

-19.63

4.33

17.66

3.68

-43.21

6.48

Working  capital

121,195

-81.80

665,963

-20.76

840,484

45.55

577,448

163

218,942

 

Profit  &  loss

Operating  Income

36,726,106

58.86

23,118,021

-26.64

31,513,448

54.33

20,419,511

38.00

14,796,429

Turnover

37,463,256

64.68

22,748,685

-25.54

30,552,686

47.60

20,699,581

33.35

15,523,221

Total  operating  expenses

37,087,808

65.50

22,408,941

-23.96

29,468,938

52.54

19,319,220

27.96

15,097,541

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

36,350,659

59.58

22,778,277

-25.14

30,429,700

59.83

19,039,150

32.49

14,370,749

Employee  costs

2,818,458

45.48

1,937,372

-5.01

2,039,462

13.29

1,800,156

-4.57

1,886,437

Wages  and  salary

1,897,214

49.19

1,271,680

-3.18

1,313,390

10.86

1,184,767

-4.17

1,236,342

Employee  pension  costs

514

-83.14

3,050

2.96

2,963

2.13

2,901

200

967

Social  security  contributions

718,668

36.96

524,729

-3.52

543,894

14.34

475,664

-8.73

521,148

Other  employee  costs

202,062

46.52

137,912

-23.05

179,216

30.98

136,824

6.91

127,980

Director  remuneration

-

-

-

-

-

-

-

-

-

Amortization  and  depreciation

402,652

67.15

240,891

27.43

189,035

87.61

100,758

2.67

98,136

Operating  result

375,448

10.51

339,744

-68.65

1,083,748

-21.49

1,380,361

224

425,680

Total  financial  income

24,097

-91.68

289,460

3804

7,413

-91.41

86,270

-42.38

149,729

Total  financial  expenses

754,610

28.57

586,930

-31.89

861,732

70.72

504,774

3.51

487,653

 

Results  on  ordinary  operations

-355,066

-939

42,274

-81.57

229,428

-76.15

961,857

996

87,755

before  taxation

 

 

 

 

 

 

 

 

 

 

Extraordinary  Income

-

-

-

-

5,446

1238

407

-

-

Extraordinary  Charges

154,515

-

-

-

40,822

-96.41

1,137,815

-

-

Extraordinary  items

-154,515

-

0

0

-35,375

3.11

-1,137,408

-

0

 

Results  for  the  Year  Before

-509,581

-1305

42,274

-78.22

194,053

110

-175,551

-300

87,755

Taxation

 

 

 

 

 

 

 

 

 

 

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

11,640

-73.80

44,425

72.83

25,704

27.69

20,130

-

-

Results  on  ordinary  operations after  taxation

-366,706

-16950

-2,151

-101

203,724

-78.37

941,727

973

87,755

 

 

Net  result

-518,285

-354143

146

-99

170,645

88.24

-193,384

-275

110,120

 

Profit  (Loss)  for  the  Year  to  be appropiated

-512,586

-11230

4,605

-97.37

175,104

92.68

-188,925

-223

153,535

Dividends

-

-

-

-

75,000

-3.85

78,000

160

30,000

 

 


Social Balance Sheet Details

 

Social  Balance  Sheet  Details

 

 

 

Social  Balance  Sheet

 

Total

 

During  the  reporting  year

 

 

 

ended  31-12-2013

 

 

 

Full-time  Employees

 

33

 

Part-time  Employees

 

9

 

Total  Fte  Employees

 

40

 

Number  of  hours  worked

 

 

 

Full-time  Employees

 

73,922

 

Part-time  Employees

 

13,076

 

Total

 

86,998

 

Personnel  Charges

 

 

 

Full-time  Employees

 

2,370,975

 

Part-time  Employees

 

446,969

 

Total

 

2,817,944

 

Benefits  In  Addition  To  Wages

 

-

 

During  the  previous  reporting  year

 

 

 

Average  number  employees  in  Fte

 

44

 

Actual  working  hours

 

63,427

 

Personnel  Charges

 

1,934,322

 

Benefits  In  Addition  To  Wages

 

-

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

30

8

36

Contracts

 

 

 

Limited  Duration  Contracts

-

-

-

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding Substitution

-

-

-

 

Gender and Education Level

 

Men

Full-Time

Part-Time

Total  Fte

Primary  education

24

1

25

Secondairy  education

2

1

3

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

4

5

8

Secondairy  education

-

1

1

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

6

4

9

Blue  collar  worker

24

4

27

Other

-

-

-

Temporary  personnel

 

Total

 

Average  number  of  temporary  staff

 

-

 

Actual  working  hours

 

-

 

Cost  of  temporary  staff

 

-

 

New  staff  and  leavers

Full-Time

Part-Time

Total  Fte

New  Starters

1

1

2

Leavers

5

5

8

 

Total  of  formal  continuing  vocational  training  initiatives

 

 

for  workers  paid  by  the  employer

Male

Female

Number  of  employees

1

-

Number  of  training  hours

4

-

Net  costs  for  enterprise

228

-

Total  of  less  formal  and  informal  continuing  vocational

 

 

training  initiatives  for  workers  paid  by  the  employer

Male

Female

Number  of  employees

16

-

Number  of  training  hours

1,183

-

Net  costs  for  enterprise

39,723

-

Total  of  initial  training  initiatives  at  the  expense  of  the

 

 

employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

 

Industry  comparison

 

 

Activity  code

13100

 

Activity  description

Preparation  and  spinning  of  textile  fibres

 

industry  average  credit

72.94

 

rating

 

 

Industry  average  credit  limit

143322.99

 

Payment  Information

 

 

 

Payment  Information  Summary

 

Total  number  of  Invoices  available

5

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

5

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

0

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

0

Total  number  of  Invoices  currently  outstanding  beyond  the  due  date

0

 

Suspension  of  payments  /  moratorium  history

 

Amount

-

Details

-

Payment  expectations

 

Payment  expectation  days

32.56

Day  sales  outstanding

49.44

Industry  comparison

 

Activity  code

13100

Activity  description

Preparation  and  spinning  of  textile  fibres

Industry  average  payment

69.07

expectation  days

 

Industry  average  day  sales

89.72

outstanding

 

 

Industry  quartile  analysis

 

Payment  expectations

 

Company  result

32.56

Lower

112.18

Median

62.80

Upper

40.47

 

Day  sales  outstanding

 

Company  result

49.44

Lower

79.06

Median

48.54

Upper

24.87

 

 

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

 

No  minority  shareholders  found

 

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

VANNINVEST  NV

Position

Chairman  of  the  Board

Start  Date

13/03/2012

Date  of  birth

27/08/1991

Street

3 PETER  PAUWEL  RUBENSSTRAAT  HARELBEKE

Post  code

8530

Country

Belgium

 

Position

Director

Start  Date

18/06/2008

Date  of  birth

27/08/1991

Street

3 PETER  PAUWEL  RUBENSSTRAAT  HARELBEKE

Post  code

8530

Country

Belgium

 

Position

Legal  Representative

Start  Date

18/06/2008

Date  of  birth

27/08/1991

Street

3 PETER  PAUWEL  RUBENSSTRAAT  HARELBEKE

Post  code

8530

Country

Belgium

 

Name

FLANDERS  FLAX  HOLDING  BVBA

Position

Managing  Director

Start  Date

09/07/2007

Date  of  birth

05/10/2006

Street

3 PETER  PAUWEL  RUBENSSTRAAT  HARELBEKE

Post  code

8530

Country

Belgium

 

Position

Director

Start  Date

13/03/2012

Date  of  birth

05/10/2006

Street

3 PETER  PAUWEL  RUBENSSTRAAT  HARELBEKE

Post  code

8530

Country

Belgium

 

Position

Legal  Representative

Start  Date

22/12/2006

Date  of  birth

05/10/2006

Street

3 PETER  PAUWEL  RUBENSSTRAAT  HARELBEKE

Post  code

8530

Country

Belgium

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.55

UK Pound

1

Rs.99.86

Euro

1

Rs.72.67

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

ASH

               

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.