MIRA INFORM REPORT

 

 

Report No. :

348911

Report Date :

06.11.2015

 

IDENTIFICATION DETAILS

 

Name :

DIAMSTONES  BVBA

 

 

Registered Office :

Hoveniersstraat  53-Bus  8 2018 Antwerpen

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

16.05.1990

 

 

Com. Reg. No.:

440710095

 

 

Legal Form :

Private  Limited  Company

 

 

Line of Business :

Wholesale of diamonds and other precious stones.

 

 

No. of Employees :

7

 

 

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 :

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 – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

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 the budget deficit was 3.2% of GDP. 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

440710095

Branche  Unit  Number

2048572890

Company  name

DIAMSTONES  BVBA

Address

HOVENIERSSTRAAT  53-BUS  8

 

2018 ANTWERPEN

Number  of  staff

7

Date  of  establishment

16/05/1990

Telephone  number

032329093

Fax  number

32329560

 

 

Commentary

 

The business  was  established  over  25  years  ago.

The  business  has  7  employees.

The  business  has  been  at  the  address  for  over  13  years.

Pre-tax  profits  decreased  by  33%  compared  to  the  previous  trading  period.

The  business  saw  an  increase  in  their  Cash  Balance  of  27%  during  the  latest  trading  period.

 

 

Accounts

 

DATE  OF 

LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

31,460,117

71,819

2,785,175

1,746,594

31/12/2012

31,085,031

108,187

3,186,930

1,540,484

31/12/2011

40,896,694

228,712

3,103,711

1,232,579

 

ACCOUNTS

 

DATE  OF 

LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

13,184,442

7

1,123,143

122,156

31/12/2012

13,217,009

6

1,516,980

139,604

31/12/2011

12,937,927

7

1,516,980

227,050

 

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

63.12

Industry  average  payment

123.95

Industry  average  day  sales

181.44

expectation  days

 

outstanding

 

Day  sales  outstanding

87.15

 

 

 

 

Court data summary

 

BANKRUPTCY  DETAILS

Court  action  type

no

 

PROTESTED  BILLS

 

Bill  amount

-

NSSO  DETAILS

 

Date  of  summons

-

 

 

Company information

 

Business  number

440710095

Company  name

DIAMSTONES  BVBA

Fax  number

32329560

Date  founded

16/05/1990

Company  status

active

Company  type

Private  Limited  Company

 

 

 

(BL/LX)

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2013

Activity  code

46761

Liable  for  VAT

yes

Activity  description

Wholesale  of  diamonds 

and other  precious  stones

VAT  Number

BE.0440.710.095  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

218

Description

Additional  national  joint  committee  for  the  employees

category

 

 

 

JIC  Code

324

Description

Joint  committee  for  the  industry  and  the  trade  in  diamant

category

 

 

 

 

SIGNIFICANT  EVENTS

 

Event  Date

06/03/2013

Event  Description

resignation-appointment  of  director(s)

Event  Details

Commentaar  06-03-2013:  Benoemd  als  zaakvoerder-directeur  Kothari  Rajiv.

 

 

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

1,939,436

-4.48

2,030,403

-2.59

2,084,299

-0.85

2,102,227

-1.09

2,125,343

Intangible  fixed  assets

674

-71.84

2,394

-41.38

4,084

-34.49

6,233

-36.28

9,783

Tangible  fixed  assets

1,931,753

-4.41

2,020,772

-2.44

2,071,395

-0.74

2,086,872

-0.94

2,106,639

Land  &  building

1,827,185

-5.68

1,937,137

-1.39

1,964,386

-1.37

1,991,634

-1.35

2,018,883

Plant  &  machinery

57,207

73.00

33,067

-18.13

40,391

-16.89

48,599

-14.85

57,075

Furniture  &  Vehicles

47,361

-6.34

50,568

-24.09

66,618

42.84

46,639

52.01

30,681

Leasing  &  Other  Similar  Rights

-

-

-

-

-

-

-

-

-

Other  tangible  assets

0

-

0

-

0

-

0

-

0

Financial  fixed  assets

7,010

-3.14

7,237

-17.96

8,821

-3.29

9,121

2.24

8,921

Total  current  assets

11,245,006

0.52

11,186,606

3.07

10,853,628

-4.22

11,332,064

-1.25

11,475,662

Inventories

3,612,975

24.08

2,911,740

-7.66

3,153,317

4.18

3,026,815

22.98

2,461,262

Raw  materials  &  consumables

-

-

-

-

-

-

-

-

-

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

3,612,975

24.08

2,911,740

-7.66

3,153,317

4.18

3,026,815

22.98

2,461,262

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

7,511,754

-7.41

8,112,974

13.00

7,179,466

-2.39

7,355,552

-13.58

8,511,056

Other  amounts  receivable

10,862

-75.54

44,414

-55.24

99,236

818

10,805

-54.81

23,909

Cash

80,758

27.23

63,473

-83.28

379,533

-57.42

891,241

93.07

461,608

Miscellaneous  current  assets

28,657

-46.94

54,006

28.35

42,075

-11.70

47,651

167

17,827

Total  Assets

13,184,442

-0.25

13,217,009

2.16

12,937,927

-3.69

13,434,290

-1.23

13,601,006

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

2,785,849

-12.65

3,189,324

2.62

3,107,795

5.60

2,942,937

4.01

2,829,610

Issued  share  capital

1,123,143

-25.96

1,516,980

0

1,516,980

0

1,516,980

0

1,516,980

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

993,309

-4.33

1,038,270

0

1,038,270

0

1,038,270

0

1,038,270

Reserves

669,397

5.57

634,074

14.76

552,545

42.52

387,687

41.31

274,360

Provisions  for  Liabilities  &

0

-

0

-

0

-

0

-

0

Charges

 

 

 

 

 

 

 

 

 

Deffered  taxes

-

-

-

-

-

-

-

-

-

Creditors

10,398,592

3.70

10,027,685

2.01

9,830,132

-6.30

10,491,354

-2.60

10,771,395

Other  long  term  loans

800,182

184

281,563

158

109,083

-13.48

126,083

-11.88

143,083

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

99,999

0.00

100,000

0

100,000

0

100,000

0

100,000

Total  long  term  debts

900,181

135

381,563

82.49

209,083

-7.52

226,083

-6.99

243,083

Current  portion  of  long  term  debt

16,999

-0.01

17,000

0

17,000

0

17,000

0

17,000

Financial  debts

3,988,050

18.15

3,375,487

188

1,168,617

-60.96

2,993,564

-26.45

4,069,975

Trade  creditors

5,389,813

-12.23

6,140,678

-25.48

8,240,315

15.66

7,124,647

12.38

6,339,930

Amounts  Payable  for  Taxes,

91,890

-10.64

102,833

-46.93

193,769

55.36

124,720

36.14

91,614

Remuneration  &  Social  Security

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

11,660

15.18

10,124

650

1,348

-74.74

5,339

-45.48

9,793

Total  current  liabilities

9,498,412

-1.53

9,646,122

0.26

9,621,049

-6.28

10,265,271

-2.50

10,528,312

Total  Liabilities

13,184,442

-0.25

13,217,009

2.16

12,937,927

-3.69

13,434,290

-1.23

13,601,006

 

 

RATIO  ANALYSIS

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

0.23

-34.29

0.35

-37.50

0.56

19.15

0.47

161

0.18

Return  on  capital  employed

1.95

-35.64

3.03

-56.09

6.90

59.35

4.33

207

1.41

Return  on  total  assets  employed

0.54

-34.15

0.82

-53.67

1.77

73.53

1.02

218

0.32

Return  on  net  assets  employed

2.58

-23.89

3.39

-53.94

7.36

57.94

4.66

204

1.53

Sales  /  net  working  capital

18.01

-10.75

20.18

-39.18

33.18

20.83

27.46

8.32

25.35

Stock  turnover  ratio

11.48

22.52

9.37

21.53

7.71

-25.36

10.33

0.78

10.25

Creditor  days

63.12

-13.28

72.79

-2.10

74.35

-17.29

89.89

-7.94

97.64

Debtor  days

87.15

-8.51

95.26

48.66

64.08

-30.07

91.64

-29.17

129.38

SHORT  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Current  ratio

1.18

1.72

1.16

2.65

1.13

2.73

1.10

0.92

1.09

Liquidity  ratio  /  acid  ratio

0.80

-6.98

0.86

7.50

0.80

-1.23

0.81

-5.81

0.86

Current  debt  ratio

3.41

12.91

3.02

-2.58

3.10

-11.17

3.49

-6.18

3.72

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

122,156

-12.50

139,604

-38.51

227,050

26.12

180,027

64.34

109,545

Net  worth

2,785,175

-12.61

3,186,930

2.68

3,103,711

5.69

2,936,703

4.14

2,819,827

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Gearing

172.49

49.73

115.20

176

41.66

-60.91

106.58

-28.70

149.49

Equity  in  percentage

21.13

-12.43

24.13

0.42

24.03

9.63

21.92

5.28

20.82

Total  debt  ratio

3.73

18.79

3.14

-0.63

3.16

-11.24

3.56

-6.56

3.81

Working  capital

1,746,594

13.38

1,540,484

24.98

1,232,579

15.54

1,066,793

12.61

947,350

 

 

 

 

 

 

 

 

 

 

 

PROFIT & LOSS

 

Operating  Income

31,649,176

0.64

31,449,377

-23.60

41,162,949

39.49

29,509,150

21.79

24,229,819

Turnover

31,460,117

1.21

31,085,031

-23.99

40,896,694

39.60

29,296,541

22.01

24,011,373

Total  operating  expenses

31,167,888

1.22

30,791,186

-23.89

40,454,713

39.84

28,929,771

22.07

23,699,460

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

31,356,947

0.65

31,155,532

-23.49

40,720,968

39.73

29,142,381

21.84

23,917,906

Employee  costs

407,584

-4.47

426,647

14.63

372,191

12.72

330,204

-4.62

346,197

Wages  and  salary

320,559

-4.71

336,406

14.94

292,691

13.51

257,861

-5.17

271,930

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security  contributions

78,828

-2.28

80,670

16.48

69,260

7.30

64,546

-1.90

65,794

Other  employee  costs

8,197

-14.35

9,570

-6.54

10,240

31.36

7,796

-7.99

8,473

Director  remuneration

89,707

-

-

-

-

-

-

-

86,518

Amortization  and  depreciation

59,376

2.24

58,075

-6.62

62,191

-6.76

66,700

2.28

65,213

Operating  result

292,229

-0.55

293,846

-33.52

441,981

20.51

366,770

17.59

311,913

Total  financial  income

19,816

11468

171

-92.39

2,250

87.09

1,203

710

148

Total  financial  expenses

240,226

29.27

185,830

-13.78

215,520

-6.58

230,701

-14.19

268,835

Results  on  ordinary  operations

71,819

-33.62

108,187

-52.70

228,712

66.61

137,272

217

43,226

before  taxation

 

 

 

 

 

 

 

 

 

Extraordinary  Income

541,911

2903

18,043

-

-

-

7,416

-47.80

14,206

Extraordinary  Charges

537,547

2870

18,095

-

-

-

6,607

-54.35

14,473

Extraordinary  items

4,364

8309

-53

-

0

-100

809

302

-267

Results  for  the  Year  Before

76,183

-29.55

108,135

-52.72

228,712

65.64

138,081

221

42,959

Taxation

 

 

 

 

 

 

 

 

 

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

13,403

-49.62

26,606

-58.33

63,853

157

24,754

1803

-1,373

Results  on  ordinary  operations after  taxation

58,416

-28.40

81,581

-50.51

164,858

46.52

112,518

152

44,599

Net  result

62,780

-23.00

81,529

-50.55

164,858

45.47

113,327

155

44,332

Profit  (Loss)  for  the  Year  to  be appropiated

62,780

-23.00

81,529

-50.55

164,858

45.47

113,327

155

44,332

Dividends

-

-

-

-

-

-

-

-

-

 

 

Social Balance  Sheet  Details

 

Social  Balance  Sheet

 

Total

 

During  the  reporting  year

 

 

 

ended  31-12-2013

 

 

 

Full-time  Employees

 

7

 

Part-time  Employees

 

1

 

Total  Fte  Employees

 

8

 

 

 

 

 

Number  of  hours  worked

 

 

 

Full-time  Employees

 

10,943

 

Part-time  Employees

 

1,469

 

Total

 

12,412

 

 

 

 

 

Personnel  Charges

 

 

 

Full-time  Employees

 

359,366

 

Part-time  Employees

 

48,217

 

Total

 

407,584

 

Benefits  In  Addition  To  Wages

 

-

 

 

 

 

 

During  the  previous  reporting  year

 

 

 

Average  number  employees  in  Fte

 

8

 

Actual  working  hours

 

13,161

 

Personnel  Charges

 

408,172

 

Benefits  In  Addition  To  Wages

 

-

 

 

 

 

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

7

1

8

Contracts

 

 

 

Limited  Duration  Contracts

-

-

-

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding Substitution

-

-

-

 

Gender  and  Education Level

 

Men

Full-Time

Part-Time

Total  Fte

Primary  education

1

-

1

Secondairy  education

3

-

3

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

1

-

1

Secondairy  education

2

1

3

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

7

1

8

Blue  collar  worker

-

-

-

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

-

1

1

 

Total  of  formal  continuing  vocational  training  initiatives

 

 

for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

Total  of  less  formal  and  informal  continuing  vocational

 

 

training  initiatives  for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

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

46761

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

 

 

Payment Information

 

Payment  Information  Summary

 

 

Total  number  of  Invoices  available

33

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

29

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

4

Total  number  of  Invoices  currently  outstanding  beyond  the  due  date

0

 

 

SUSPENSION  OF  PAYMENTS  /  MORATORIUM  HISTORY

 

Amount

-

Details

 

 

-

PAYMENT  EXPECTATIONS

 

Payment  expectation  days

63.12

Day  sales  outstanding

87.15

 

 

 

INDUSTRY  COMPARISON

 

Activity  code

46761

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

Industry  average  payment expectation  days

123.95

Industry  average  day  sales outstanding

181.44

 

 

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

 

INDIVIDUAL SHAREHOLDERS

 

SHAREHOLDER  NAME

Forename

Shaishav

Middle  name

Chandra

Surname

Mehta

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

04/02/2010(estimated)

End  date

-

Percentage  owned

-

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Van  Eycklei

House  number

41

Minor  town

-

Postal  town

Antwerpen

Post  code

2018

Country

Belgium

 

 

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

VIRAL  KOTHARI

Position

Principal  Manager

Start  Date

01/10/2013

Street

26 ARENDSNESTLAAN  EDEGEM

Post  code

2650

Country

Belgium

 

 

Name

SHREYENSH  MEHTA

Position

Principal  Manager

Start  Date

06/03/2013

Street

45 QUINTEN  MATSIJSLEI  ANTWERPEN

Post  code

2018

Country

Belgium

 

 

Name

RAJIV  SHASHIKANT  KOTHARI

Position

Principal  Manager

Start  Date

14/11/2013

Street

26 ARENDSNESTLAAN  EDEGEM

Post  code

2650

Country

Belgium

 

 

Name

NARESH  JAIN

Position

Principal  Manager

Start  Date

06/03/2013

Street

 

Post  code

 

Country

 

 

FORMER DIRECTOR DETAILS

 

Name

SHAISHAV  RAMESH  CHANDRA  MEHTA

Position

Principal  Manager

Start  Date

26/06/1995

End  Date

31/12/2010

Street

41 VAN  EYCKLEI  ANTWERPEN

Post  code

2018

Country

Belgium

 

 

Name

FIGURAD  BEDRIJFSREVISOREN  B.V.  BVBA

Position

Commissioner

Start  Date

03/12/2009

End  Date

Unknown  date

Date  of  birth

01/10/1982

Street

1126 KORTRIJKSESTEENWEG  GENT

Post  code

9051

Country

Belgium

 

 


DIAMOND INDUSTRY – INDIA

 

-            From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-            The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-            The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-            Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-            Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-            Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-            Excerpts from Times of India dated 30th October 2010 is as under –

 

-            Gem & Jewellery Export Promotion Council in its statistical data has shown the export of polished diamonds to have increase by 28 % in February 2013. Compared to $ 1.4 bn worth of polished diamond export in February, 2012, India exported $ 1.84 billion worth of polished diamonds in February 2013. A senior executive of GJEPC said, “Export of cut and polished diamonds started falling month-wise after the imposition of 2 % of import duty on the polished diamonds. But February, 2013 has given a new ray of hope to the industry as the export of polished diamonds has actually increased by 28 %. It means the industry  is on the track of recovery and round tripping of diamonds has stopped completely.” Demand has started coming from the US, the UK, Japan and China. India’s polished diamond export is expected to cross $ 21 bn in 2013-14.

 

-            The banking sector has started exercising restraint while following prudent risk management norms when lending money to gems and jewellery sector. This follows the implementation of Basel III accord – a global voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.67

UK Pound

1

Rs.101.02

Euro

1

Rs.71.35

 

INFORMATION DETAILS

 

Analysis Done by :

SAN

 

 

Report Prepared by :

ANK

 

               

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.