MIRA INFORM REPORT

 

 

Report No. :

323687

Report Date :

23.05.2015

 

IDENTIFICATION DETAILS

 

Name :

AVL  METAL  POWDERS  NV

 

 

Registered Office :

Elleboogstraat  7, 8500 Kortrijk

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

01.01.1968

 

 

Com. Reg. No.:

405375371

 

 

Legal Form :

Public  Limited  Liability

 

 

Line of Business :

Subject is manufacture  of  basic  iron  and steel  and  of  ferro-alloys (ECSC)*

 

 

No. of Employee :

42

 

 

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

405375371

Branche  Unit  Number

2002874509

Company  name

AVL  METAL  POWDERS  NV

Address

ELLEBOOGSTRAAT  7

 

8500 KORTRIJK

Number  of  staff

42

Date  of  establishment

01/01/1968

Telephone  number

056220021

Fax  number

056226414

 

 

Commentary

 

The  business  was  established  over  65  years  ago. The  business  has  42  employees.

The  business  has  been  at  the  address  for  over  19  years. Operating  Result  in  the  latest  trading  period  increased  145%  on  the  previous  trading  period. Pre-tax  profits  decreased  by  84%  compared  to  the  previous  trading  period. The  business  saw  an  increase  in  their  Cash  Balance  of  78%  during  the  latest  trading  perid.

 

 

ACCOUNTS

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

9,340,545

30,130

4,507,242

3,793,938

31/12/2012

10,128,565

188,754

4,663,248

3,765,977

31/12/2011

10,037,364

279,902

4,787,082

3,794,063

 

ACCOUNTS

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

6,003,212

42

500,000

297,184

31/12/2012

6,726,226

45

500,000

427,360

31/12/2011

6,474,062

44

500,000

521,846

 

 

Payment  expectations

 

Past  payments

 

Payment  expectation  days

14.80

Industry  average  payment

127.50

Industry  average  day  sales

154.85

expectation  days

 

outstanding

 

Day  sales  outstanding

44.46

 

 

 

 

Court DATA SUMMARY

 

BANKRUPTCY DETAILS

Court  action  type                     no

PROTESTED  BILLS

Bill  amount                               -

NSSO  DETAILS

Date  of  summons                   -

 

 

Company INFORMATION

 

Business  number

405375371

Company  name

AVL  METAL  POWDERS  NV

Fax  number

056226414

Date  founded

01/01/1968

Company  status

active

Company  type

Public  Limited  Liability

 

 

 

Company  (BE)

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2013

Activity  code

24100

Liable  for  VAT

yes

Activity  description

Manufacture  of  basic  iron  and

VAT  Number

BE.0405.375.371  Check  VAT

 

steel  and  of  ferro-alloys

(ECSC)*

 

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

105

Description

Joint  committee  for  the  nonferrous  metals

category

 

 

 

JIC  Code

224

Description

Joint  committee  for  the  employees  off  the  nonferrous  metals

category

 

 

 

Significant  Events

 

Event  Date

30/09/2013

Event  Description

re-appointment  of  director(s)

Event  Details

Commentaar  30-09-2013:  Herbenoemd  als  bestuurders  tot  na  de  jaarvergadering  2019  :  ML-Invest BVBA  (tevens  als  gedelegeerd  bestuurder  en  voorzitter  van  de  raad  van  bestuur),  Van  Lerberghe Pierre  en  Van  Lerberghe  Jean.

 

 

Company ACCOUNTS

 

ASSETS

 

Annual  accounts

31-12-2013

%

31-12-2012

%

31-12-2011

%

31-12-2010

%

31-12-2009

Weeks

52

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

825,911

-16.82

992,913

-9.44

1,096,372

-12.24

1,249,311

-6.39

1,334,561

Intangible  fixed  assets

0

-

0

-100

1,664

-80.26

8,429

-18.26

10,311

Tangible  fixed  assets

825,411

-16.83

992,413

-9.14

1,092,262

-11.84

1,238,936

-6.30

1,322,303

Land  &  building

532,578

-3.08

549,527

-7.05

591,238

-7.60

639,892

-6.81

686,672

Plant  &  machinery

273,576

-33.53

411,562

-7.75

446,150

-16.87

536,713

-5.98

570,840

Furniture  &  Vehicles

19,257

-38.52

31,324

-42.92

54,874

-11.96

62,330

-3.80

64,791

Leasing  &  Other  Similar  Rights

-

-

-

-

-

-

-

-

-

Other  tangible  assets

0

-

0

-

0

-

0

-

0

Financial  fixed  assets

500

0

500

-79.56

2,446

25.70

1,946

0

1,946

Total  current  assets

5,177,301

-9.70

5,733,313

6.61

5,377,690

0.57

5,347,324

5.61

5,063,156

Inventories

3,243,166

-13.15

3,734,379

1.17

3,691,330

6.42

3,468,492

16.82

2,969,161

Raw  materials  &  consumables

659,496

-11.50

745,186

33.81

556,918

8.65

512,601

12.57

455,376

Work  in  progress

1,872,280

-15.90

2,226,177

-0.72

2,242,402

-13.68

2,597,670

16.71

2,225,680

Finished  goods

711,390

-6.77

763,017

-14.46

892,009

149

358,221

24.34

288,105

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

1,137,746

6.08

1,072,574

11.91

958,410

-32.38

1,417,382

2.51

1,382,695

Other  amounts  receivable

185,074

-67.82

575,148

103

282,386

19.13

237,030

-5.70

251,350

Cash

607,664

78.41

340,594

-23.56

445,565

98.54

224,419

-51.21

459,950

Miscellaneous  current  assets

3,651

-65.62

10,618

-

0

-

0

-

0

Total  Assets

6,003,212

-10.75

6,726,226

3.89

6,474,062

-1.86

6,596,634

3.11

6,397,717

 

LIABILITIES

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

4,507,242

-3.35

4,663,248

-2.62

4,788,746

-1.11

4,842,305

1.46

4,772,708

Issued  share  capital

500,000

0

500,000

0

500,000

0

500,000

0

500,000

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

-

-

-

-

-

-

-

-

-

Reserves

4,007,242

-3.75

4,163,248

-2.93

4,288,746

-1.23

4,342,305

1.63

4,272,708

Provisions  for  Liabilities  &  Charges

112,607

17.74

95,641

-1.54

97,133

-22.73

125,708

5.80

118,813

Deffered  taxes

-

-

-

-

38

-77.26

165

-43.58

293

Creditors

1,383,363

-29.68

1,967,336

23.88

1,588,145

-2.48

1,628,456

8.14

1,505,903

Other  long  term  loans

-

-

-

-

4,517

-53.18

9,648

-33.37

14,479

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-

0

-

0

-

0

Total  long  term  debts

112,607

17.74

95,641

-5.95

101,688

-24.97

135,521

1.45

133,584

Current  portion  of  long  term  debt

-

-

4,517

-11.95

5,131

6.20

4,831

6.20

4,549

Financial  debts

517,158

-23.04

671,992

22.18

550,000

29.41

425,000

8.77

390,723

Trade  creditors

371,241

-41.71

636,858

168

237,554

-48.10

457,728

42.55

321,106

Amounts  Payable  for  Taxes,

169,420

-32.99

252,843

-14.02

294,059

-2.52

301,651

12.08

269,146

Remuneration  &  Social  Security

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

325,544

-18.84

401,126

-19.27

496,884

15.66

429,598

-15.08

505,900

Total  current  liabilities

1,383,363

-29.68

1,967,336

24.23

1,583,627

-2.17

1,618,808

8.54

1,491,424

Total  Liabilities

6,003,212

-10.75

6,726,226

3.89

6,474,062

-1.86

6,596,634

3.11

6,397,717

RATIO  ANALYSIS

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

0.32

-82.80

1.86

-33.33

2.79

-35.27

4.31

8.56

3.97

Return  on  capital  employed

0.65

-83.63

3.97

-30.59

5.72

-34.85

8.78

13.58

7.73

Return  on  total  assets  employed

0.50

-82.21

2.81

-34.95

4.32

-34.74

6.62

11.64

5.93

Return  on  net  assets  employed

0.67

-83.46

4.05

-30.77

5.85

-35.14

9.02

13.46

7.95

Sales  /  net  working  capital

2.46

-8.55

2.69

1.51

2.65

-2.57

2.72

1.49

2.68

Stock  turnover  ratio

34.72

-5.83

36.87

0.24

36.78

7.39

34.25

10.23

31.07

Creditor  days

14.80

-35.99

23.12

155

9.06

-47.11

17.13

32.18

12.96

Debtor  days

44.46

15.03

38.65

10.90

34.85

-31.77

51.08

-3.28

52.81

SHORT  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Current  ratio

3.74

28.52

2.91

-14.41

3.40

3.03

3.30

-2.65

3.39

Liquidity  ratio  /  acid  ratio

1.40

37.25

1.02

-3.77

1.06

-8.62

1.16

-17.14

1.40

Current  debt  ratio

0.31

-26.19

0.42

27.27

0.33

0

0.33

6.45

0.31

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

297,184

-30.46

427,360

-18.11

521,846

-21.56

665,310

12.90

589,312

Net  worth

4,507,242

-3.35

4,663,248

-2.59

4,787,082

-0.97

4,833,876

1.50

4,762,396

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Gearing

11.47

-20.95

14.51

24.12

11.69

28.74

9.08

5.70

8.59

Equity  in  percentage

75.08

8.29

69.33

-6.30

73.99

0.67

73.50

-1.63

74.72

Total  debt  ratio

0.33

-25.00

0.44

25.71

0.35

-2.78

0.36

5.88

0.34

Working  capital

3,793,938

0.74

3,765,977

-0.74

3,794,063

1.76

3,728,515

4.39

3,571,731

PROFIT  &  LOSS

 

 

 

 

 

 

 

 

 

Operating  Income

9,178,509

-8.44

10,025,107

-2.11

10,241,647

-3.60

10,624,566

10.07

9,652,907

Turnover

9,340,545

-7.78

10,128,565

0.91

10,037,364

-0.89

10,127,990

5.98

9,556,403

Total  operating  expenses

9,156,708

-8.92

10,053,642

5.02

9,573,324

-1.87

9,755,645

7.83

9,046,857

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

8,994,671

-9.60

9,950,185

1.77

9,777,607

-4.63

10,252,220

12.13

9,143,360

Employee  costs

1,970,306

-4.25

2,057,829

7.12

1,921,114

2.11

1,881,369

-3.37

1,946,959

Wages  and  salary

1,328,730

-1.50

1,349,007

6.27

1,269,376

2.40

1,239,640

-11.02

1,393,196

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security  contributions

546,519

-3.48

566,226

-0.52

569,177

2.24

556,688

21.60

457,793

Other  employee  costs

95,057

-33.34

142,596

72.71

82,562

-2.92

85,041

-11.39

95,970

Director  remuneration

-

-

-

-

-

-

196,896

0

196,896

Amortization  and  depreciation

267,190

-1.30

270,712

-8.59

296,157

-6.42

316,466

15.11

274,925

Operating  result

183,837

145

74,923

-83.85

464,039

24.63

372,345

-26.93

509,547

Total  financial  income

61,630

-83.72

378,521

309

92,371

-66.58

276,429

19.72

230,888

Total  financial  expenses

215,338

-18.65

264,690

-4.27

276,508

30.52

211,855

-41.31

360,980

Results  on  ordinary  operations

30,130

-84.04

188,754

-32.56

279,902

-35.94

436,920

15.14

379,454

before  taxation

 

 

 

 

 

 

 

 

 

Extraordinary  Income

-

-

1,841

618

256

129

111

-81.72

610

Extraordinary  Charges

-

-

-

-

-

-

-

-

-

Extraordinary  items

0

-100

1,841

618

256

129

111

-81.72

610

Results  for  the  Year  Before  Taxation

30,130

-84.19

190,595

-31.97

280,159

-35.90

437,031

14.99

380,064

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

136

-99

33,984

-37.76

54,597

-38.18

88,314

34.21

65,805

Results  on  ordinary  operations  after taxation

 

29,994

-80.62

154,770

-31.31

225,305

-35.37

348,605

11.14

313,650

Net  result

29,994

-80.85

156,648

-30.59

225,689

-35.30

348,844

10.96

314,387

Profit  (Loss)  for  the  Year  to  be appropiated

29,994

-80.85

156,648

-30.59

225,689

-35.30

348,844

10.96

314,387

Dividends

186,000

-33.33

279,000

0

279,000

0

279,000

0

279,000

 


Social BALANCE SHEET DETAILS

 

Social  Balance  Sheet  Details

 

Social  Balance  Sheet

Total

During  the  reporting  year

 

ended  31-12-2013

 

Full-time  Employees

42

Part-time  Employees

4

Total  Fte  Employees

45

Number  of  hours  worked

 

Full-time  Employees

52,852

Part-time  Employees

3,997

Total

56,849

Personnel  Charges

 

Full-time  Employees

1,831,776

Part-time  Employees

138,530

Total

1,970,306

Benefits  In  Addition  To  Wages

-

During  the  previous  reporting  year

 

Average  number  employees  in  Fte

44

Actual  working  hours

60,100

Personnel  Charges

2,057,829

Benefits  In  Addition  To  Wages

-

 

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

40

4

42

Contracts

 

 

 

Limited  Duration  Contracts

-

-

-

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding Substitution

-

-

-

 

 

Gender  and  Education Level

 

 

 

Men

Full-Time

Part-Time

Total  Fte

Primary  education

38

-

38

Secondairy  education

-

-

-

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

2

4

4

Secondairy  education

-

-

-

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

7

4

9

Blue  collar  worker

33

-

33

Other

-

-

-

 

 

 

 

Temporary  personnel

 

Total

 

Average  number  of  temporary  staff

 

0

 

Actual  working  hours

 

432

 

Cost  of  temporary  staff

 

16,229

 

 

 

 

 

New  staff  and  leavers

Full-Time

Part-Time

Total  Fte

New  Starters

1

-

1

Leavers

4

-

4

 

 

Total  of  formal  continuing  vocational  training  initiatives

 

 

for  workers  paid  by  the  employer

Male

Female

Number  of  employees

1

1

Number  of  training  hours

36

4

Net  costs  for  enterprise

2,573

251

Total  of  less  formal  and  informal  continuing  vocational

 

 

training  initiatives  for  workers  paid  by  the  employer

Male

Female

Number  of  employees

40

4

Number  of  training  hours

901

98

Net  costs  for  enterprise

31,213

3,399

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

24100

 

Activity  description

Manufacture  of  basic  iron  and  steel  and  of  ferro-alloys  (ECSC)*

industry  average  credit

rating

77.45

 

Industry  average  credit  limit

505241.42

 

 

 

Payment  Information

 

Total  number  of  Invoices  available

30

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

17

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

6

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

6

Total  number  of  Invoices  currently  outstanding  beyond  the  due  date

0

 

 

Suspension  of  payments  /  moratorium  history

Amount

-

Details

-

 

 

Payment  expectations

 

Payment  expectation  days

14.80

Day  sales  outstanding

44.46

 

 

Industry  comparison

 

Activity  code

24100

Activity  description

Manufacture  of  basic  iron  and  steel  and  of  ferro-alloys  (ECSC)*

Industry  average  payment

127.50

expectation  days

 

Industry  average  day  sales

154.85

outstanding

 

 

 

Industry  quartile  analysis

 

Payment  expectations

 

Company  result

14.80

Lower

108.87

Median

69.45

Upper

40.80

 

Day  sales  outstanding

 

Company  result

44.46

Lower

86.78

Median

52.08

Upper

29.56

 

 

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

 

 

Director details

 

Current  director  details

 

Name

MVL-INVEST  BVBA

Position

Managing  Director

Start  Date

30/09/2013

End  Date

06/05/2019

Date  of  birth

01/02/2006

Street

9 ELLEBOOGSTRAAT  KORTRIJK

Post  code

8500

Country

Belgium

 

 

Position

Legal  Representative

Start  Date

09/01/2007

Date  of  birth

01/02/2006

Street

9 ELLEBOOGSTRAAT  KORTRIJK

Post  code

8500

Country

Belgium

 

 

Name

PIERRE  VAN  LERBERGHE

Position

Director

Start  Date

30/09/2013

End  Date

06/05/2019

Street

21 BURGEMEESTER  PYCKESTRAAT  KORTRIJK

Post  code

8500

Country

Belgium

 

 

Name

JEAN  VAN  LERBERGHE

Position

Director

Start  Date

30/12/2009

End  Date

06/05/2019

Country

Greece

 

 

FORMER  DIRECTOR  DETAILS

 

Name

MVL-INVEST  BVBA

Position

Director

Start  Date

30/09/2013

End  Date

31/12/2013

Date  of  birth

01/02/2006

Street

9 ELLEBOOGSTRAAT  KORTRIJK

Post  code

8500

Country

Belgium

 

 

Name

PIERRE  VAN  LERBERGHE

Position

Managing  Director

Start  Date

30/12/2009

End  Date

31/12/2012

Street

21 BURGEMEESTER  PYCKESTRAAT  KORTRIJK

Post  code

8500

Country

Belgium

 

 

Name

MARC  JACQUES  ANDRÉ  VAN  LERBERGHE

Position

Managing  Director

Start  Date

08/05/2004

End  Date

09/01/2007

Street

9 ELLEBOOGSTRAAT  KORTRIJK

Post  code

8500

Country

Belgium

 

 

Position

Director

Start  Date

01/09/2004

End  Date

09/01/2007

Street

9 ELLEBOOGSTRAAT  KORTRIJK

Post  code

8500

Country

Belgium

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.57

UK Pound

1

Rs.99.67

Euro

1

Rs.70.83

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

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.