MIRA INFORM REPORT

 

 

Report No. :

349362

Report Date :

17.11.2015

 

IDENTIFICATION DETAILS

 

Name :

CHEMITEX SA

 

 

Registered Office :

Avenue Louise 221-Bus 4 1050 Ixelles

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

04.12.1970

 

 

Com. Reg. No.:

407685456

 

 

Legal Form :

Public limited company

 

 

Line of Business :

Wholesale of household textiles and bedding.

 

 

No. of Employee :

27

 

 

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 – 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 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 a 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                     407685456

Branche Unit Number               2005523597

Company name                        CHEMITEX SA

Address                                   AVENUE LOUISE 221-BUS 4

1050 IXELLES

Number of staff                        27

Date of establishment               04/12/1970

Telephone number                   026492118

Fax number                              026409818

 

 

Commentary

 

The business was established over 44 years ago.

The business has 27 employees.

The business is part of a group.

This business has a foreign parent business.

The business has been at the address for over 19 years.

The business saw an increase in their Cash Balance of 42% during the latest trading period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2014

175,877,890

12,025,644

148,678,773

147,691,148

31/12/2013

188,456,935

13,927,518

139,681,211

139,845,057

31/12/2012

173,661,802

13,701,375

138,150,077

138,254,088

 

 

ACCOUNTS

 

 

 

 

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2014

213,702,503

27

1,250,000

9,164,665

31/12/2013

206,676,043

27

1,250,000

10,689,113

31/12/2012

216,548,801

28

1,250,000

10,485,424

 

 

Trends

 

Profitability

Liquidity

Net worth

 

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

51.23

Industry  average  payment

104.80

Industry  average  day  sales

98.67

expectation  days

 

outstanding

 

Day  sales  outstanding

87.07

 

 

 

 

 

Court data summary

 

BANKRUPTCY DETAILS

Court action type                       No

 

PROTESTED BILLS

Bill amount                                --

 

NSSO DETAILS

Date of summons                    

 

 

Company information

 

Business  number

407685456

Company  name

CHEMITEX  SA

Fax  number

026409818

Date  founded

04/12/1970

Company  status

active

Company  type

Public  limited  company

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2014

Activity  code

46412

Liable  for  VAT

yes

Activity  description

Wholesale  of  household textiles  and  bedding

VAT  Number

BE.0407.685.456  Check  VAT number

Belgian  Bullettin  of  Acts

moniteur  belge

 

 

 

 

Contractor details

 

Registered  contractor

-

number

 

Contractor  description

-

Date  struck  off  register

 

 

PERSONNEL  (NSSO  CLASSIFICATION)

 

Code

-

Description

-

 

 

JOINT  INDUSTRIAL  COMMITTEE  (JIC)

 

JIC  Code

100

Description

Additional  joint  committee  for  labourers

category

 

JIC  Code

226

Description

JC  employees  international  trade,  transport  &  related  activities

 

 

 

SIGNIFICANT EVENTS

 

 

Event Date

23/12/2014

Event Description

 

Event Details

Sous condition de l'exercice des warrants à créer selon la résolution prise ci-dessus, l'assemblée décide de l'émission de 1450 actions ordinaires.

 

 

Company accounts

 

ASSETS

 

Annual  accounts

31-12-2014

%

31-12-2013

%

31-12-2012

%

31-12-2011

%

31-12-2010

Weeks

52

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

987,626

-6.93

1,061,148

-5.34

1,120,982

-3.85

1,165,896

-0.78

1,175,049

Intangible  fixed  assets

0

-

0

-

0

-

0

-

0

Tangible  fixed  assets

963,874

-3.26

996,396

18.72

839,271

-3.27

867,602

-9.92

963,184

Land  &  building

434,653

-4.27

454,050

-4.10

473,447

-2.73

486,710

8.78

447,444

Plant  &  machinery

208,052

-0.88

209,891

46.23

143,532

-20.98

181,636

-34.78

278,517

Furniture  &  Vehicles

321,170

-3.39

332,455

49.56

222,291

11.56

199,255

-16.00

237,223

Leasing  &  Other  Similar

0

-

0

-

0

-

0

-

0

Rights

 

 

 

 

 

 

 

 

 

Other  tangible  assets

0

-

0

-

0

-

0

-

0

Financial  fixed  assets

23,752

-63.32

64,752

-77.01

281,712

-5.56

298,294

40.79

211,864

Total  current  assets

212,714,877

3.45

205,614,895

-4.56

215,427,819

5.93

203,368,155

-3.03

209,722,285

Inventories

45,465,088

1.18

44,937,034

-6.62

48,121,180

32.92

36,202,683

-14.86

42,522,815

Raw  materials  &

0

-

0

-

0

-

0

-

0

consumables

 

 

 

 

 

 

 

 

 

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

45,465,088

1.18

44,937,034

-6.62

48,121,180

32.92

36,202,683

-14.86

42,522,815

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

41,957,029

-11.07

47,178,438

2.20

46,164,307

14.98

40,148,666

-26.13

54,352,474

Other  amounts  receivable

76,563,181

102

37,810,569

5.68

35,778,733

40.14

25,530,465

403

5,066,982

Cash

11,048,257

42.77

7,738,538

27.16

6,085,599

155

2,378,278

-85.42

16,316,189

Miscellaneous  current

37,681,322

-43.97

67,250,316

-13.98

78,178,000

-20.23

98,008,063

8.46

90,363,825

assets

 

 

 

 

 

 

 

 

 

Total  Assets

213,702,503

3.40

206,676,043

-4.56

216,548,801

5.87

204,534,051

-3.02

210,897,334

 

 

LIABILITIES

 

Total  shareholders  equity

148,678,773

6.44

139,681,211

1.11

138,150,077

8.08

127,821,208

7.62

118,768,733

Issued  share  capital

1,250,000

0

1,250,000

0

1,250,000

0

1,250,000

0

1,250,000

Share  premium  account

0

-

0

-

0

-

0

-

0

Revaluation  reserve

0

-

0

-

0

-

0

-

0

Reserves

147,428,773

6.50

138,431,211

1.12

136,900,077

8.16

126,571,208

7.70

117,518,733

Provisions  for  Liabilities  &

0

-100

1,224,994

0

1,224,994

0

1,224,994

0

1,224,994

Charges

 

 

 

 

 

 

 

 

 

Deffered  taxes

0

-

0

-

0

-

0

-

0

Creditors

65,023,730

-1.13

65,769,838

-14.78

77,173,731

2.23

75,487,850

-16.96

90,903,608

Other  long  term  loans

0

-

0

-

0

-

0

-

0

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-

0

-

0

-

0

Total  long  term  debts

0

-100

1,224,994

0

1,224,994

0

1,224,994

0

1,224,994

Current  portion  of  long  term

0

-

0

-

0

-

0

-

0

debt

 

 

 

 

 

 

 

 

 

Financial  debts

40,189,703

1.45

39,613,800

-3.81

41,183,444

-15.86

48,943,876

-24.25

64,609,440

Trade  creditors

22,757,954

-4.83

23,912,176

-29.26

33,804,998

55.14

21,789,784

-9.70

24,130,705

Amounts  Payable  for  Taxes,

2,026,958

8.97

1,860,102

2.62

1,812,689

16.10

1,561,261

-15.67

1,851,279

Remuneration  &  Social

 

 

 

 

 

 

 

 

 

Security

 

 

 

 

 

 

 

 

 

Miscellaneous  current

49,114

-87.20

383,760

2.99

372,600

-88.33

3,192,930

922

312,184

liabilities

 

 

 

 

 

 

 

 

 

Total  current  liabilities

65,023,730

-1.13

65,769,838

-14.78

77,173,731

2.23

75,487,850

-16.96

90,903,608

Total  Liabilities

213,702,503

3.40

206,676,043

-4.56

216,548,801

5.87

204,534,051

-3.02

210,897,334

 

 

RATIO ANALYSIS

 

TRADING  PERFORMANCE

 

Profit  Before  Tax

6.84

-7.44

7.39

-6.34

7.89

-11.45

8.91

-3.26

9.21

Return  on  capital  employed

8.09

-18.12

9.88

0.51

9.83

-22.78

12.73

-11.17

14.33

Return  on  total  assets employed

5.63

-16.47

6.74

6.48

6.33

-21.17

8.03

-1.47

8.15

Return  on  net  assets employed

8.09

-18.86

9.97

0.50

9.92

-22.80

12.85

-11.26

14.48

Sales  /  net  working  capital

1.19

-11.85

1.35

7.14

1.26

-12.50

1.44

-8.28

1.57

Stock  turnover  ratio

25.85

8.43

23.84

-13.97

27.71

41.23

19.62

-13.83

22.77

Creditor  days

51.23

2.93

49.77

-35.59

77.27

64.86

46.87

-10.28

52.24

Debtor  days

87.07

-4.71

91.37

-5.83

97.03

22.14

79.44

-25.21

106.22

 

SHORT  TERM  STABILITY

 

Current  ratio

3.27

4.47

3.13

12.19

2.79

3.72

2.69

16.45

2.31

Liquidity  ratio  /  acid  ratio

2.57

5.33

2.44

12.44

2.17

-1.81

2.21

20.11

1.84

Current  debt  ratio

0.44

-6.38

0.47

-16.07

0.56

-5.08

0.59

-23.38

0.77

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

9,164,665

-14.26

10,689,113

1.94

10,485,424

-14.52

12,266,006

-6.76

13,155,267

Net  worth

148,678,773

6.44

139,681,211

1.11

138,150,077

8.08

127,821,208

7.62

118,768,733

 

LONG  TERM  STABILITY

 

Gearing

27.03

-4.69

28.36

-4.86

29.81

-22.15

38.29

-29.61

54.40

Equity  in  percentage

69.57

2.94

67.58

5.92

63.80

2.10

62.49

10.96

56.32

Total  debt  ratio

0.44

-8.33

0.48

-15.79

0.57

-5.00

0.60

-23.08

0.78

Working  capital

147,691,148

5.61

139,845,057

1.15

138,254,088

8.11

127,880,306

7.63

118,818,678

 

 

PROFIT & LOSS

 

Operating  Income

176,033,359

-6.73

188,738,962

8.57

173,834,473

-5.90

184,725,700

-1.18

186,924,107

Turnover

175,877,890

-6.67

188,456,935

8.52

173,661,802

-5.86

184,474,523

-1.23

186,763,148

Total  operating  expenses

162,141,364

-7.54

175,354,976

9.81

159,685,451

-5.90

169,702,871

0.65

168,603,494

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

162,296,833

-7.60

175,637,003

9.87

159,858,122

-5.94

169,954,048

0.70

168,764,453

Employee  costs

2,708,759

3.48

2,617,715

-0.16

2,621,864

-3.08

2,705,281

-0.09

2,707,801

Wages  and  salary

2,030,955

2.42

1,983,017

0.31

1,976,834

-3.54

2,049,390

0.60

2,037,143

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security

482,154

1.64

474,386

-0.08

474,749

-6.07

505,431

-1.18

511,480

contributions

 

 

 

 

 

 

 

 

 

Other  employee  costs

195,651

22.04

160,312

-5.85

170,281

13.17

150,460

-5.48

159,178

Director  remuneration

852,600

103

420,000

1.94

412,000

-33.68

621,250

1.35

613,000

Amortization  and

167,103

5.78

157,978

0.91

156,555

-26.68

213,531

-11.52

241,331

depreciation

 

 

 

 

 

 

 

 

 

Operating  result

13,736,526

4.84

13,101,958

-6.26

13,976,351

-5.38

14,771,652

-18.66

18,159,654

Total  financial  income

7,805,483

-1.53

7,927,011

28.85

6,151,999

-42.49

10,697,289

185

3,743,815

Total  financial  expenses

9,516,366

34.01

7,101,452

10.49

6,426,975

-28.89

9,038,639

91.84

4,711,545

Results  on  ordinary

12,025,644

-13.66

13,927,518

1.65

13,701,375

-16.61

16,430,302

-4.43

17,191,925

operations  before  taxation

 

 

 

 

 

 

 

 

 

Results  on  ordinary

12,025,644

-13.66

13,927,518

1.65

13,701,375

-16.61

16,430,302

-4.43

17,191,925

operations  before  taxation

 

 

 

 

 

 

 

 

 

Extraordinary  Income

36,982

126

16,341

-92.12

207,421

1865

10,555

-64.59

29,813

Extraordinary  Charges

6,755

590

978

-

-

-

805

-46.30

1,499

Extraordinary  items

30,227

96.76

15,362

-92.59

207,421

2027

9,750

-65.56

28,314

Results  for  the  Year  Before

12,055,871

-13.53

13,942,881

0.25

13,908,796

-15.40

16,440,052

-4.53

17,220,239

Taxation

 

 

 

 

 

 

 

 

 

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

3,058,309

-10.36

3,411,746

-4.70

3,579,927

-18.41

4,387,577

1.89

4,306,303

Results  on  ordinary

8,967,335

-14.72

10,515,772

3.90

10,121,448

-15.95

12,042,725

-6.54

12,885,622

operations  after  taxation

 

 

 

 

 

 

 

 

 

Net  result

8,997,562

-14.56

10,531,135

1.96

10,328,869

-14.30

12,052,475

-6.67

12,913,936

Profit  (Loss)  for  the  Year  to be  appropiated

8,997,562

-14.56

10,531,135

1.96

10,328,869

-14.30

12,052,475

-6.67

12,913,936

Dividends

-

-

9,000,000

-

-

-

3,000,000

-

-

 

 

Social Balance Sheet Details

 

 

Social  Balance  Sheet

Total

During  the  reporting  year

 

ended  31-12-2014

 

Full-time  Employees

24

Part-time  Employees

4

Total  Fte  Employees

27

Number  of  hours  worked

 

Full-time  Employees

37,852

Part-time  Employees

4,936

Total

42,788

Personnel  Charges

 

Full-time  Employees

2,395,718

Part-time  Employees

313,041

Total

2,708,759

Benefits  In  Addition  To  Wages

26,541

During  the  previous  reporting  year

 

Average  number  employees  in  Fte

28

Actual  working  hours

43,685

Personnel  Charges

2,617,715

Benefits  In  Addition  To  Wages

38,212

 

 

Type  of  Contract

 

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

23

3

26

Contracts

 

 

 

Limited  Duration  Contracts

-

-

-

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding Substitution

-

-

-

 

 

Gender and EducationLevel

Men

 

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

-

-

-

Higher  education  (non university)

5

-

5

Higher  education (university)

 

2

-

2

Women

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

7

2

9

Higher  education  (non university)

7

1

8

Higher  education (university)

2

-

2

 

 

Working  Category

 

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

23

3

26

Blue  collar  worker

-

-

-

Other

-

-

-

 

 

Temporary  personnel

Total

Average  number  of  temporary  staff

1

Actual  working  hours

2,268

Cost  of  temporary  staff

83,979

 

 

New  staff  and  leavers

 

Full-Time

Part-Time

Total  Fte

New  Starters

19

6

19

Leavers

20

7

21

 

 

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                            46412

Activity description                  Wholesale of household textiles and bedding

industry average credit

rating                                       61.77

Industry average credit limit     22031

 

 

Payment Information

 

PAYMENT  INFORMATION  SUMMARY

 

 

Total  number  of  Invoices  available

79

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

75

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

3

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

1

 

 

SUSPENSION  OF  PAYMENTS  /  MORATORIUM  HISTORY

 

Amount

-

Details

-

 

 

PAYMENT  EXPECTATIONS

 

Payment  expectation  days

51.23

Day  sales  outstanding

87.07

 

 

INDUSTRY  COMPARISON

 

Activity  code

46412

Activity  description

Wholesale  of  household  textiles  and  bedding

Industry  average  payment

104.80

Industry average day sales

outstanding

98.67

 

 

Industry quartile analysis

 

PAYMENT EXPECTATIONS

Company result            51.23

Lower                           117.45

Median                         51.23

Upper                           22.15

 

DAY SALES OUTSTANDING

 

Company result            87.07

Lower                           93.47

Median                        48.47

Upper                           16.97

 

 

Shareholder Details

 

SUMMARY

 

Group - Number of Companies             5

Linkages - Number of Companies        1

Number of Countries                            1

 

 

GROUP STRUCTURE

 

Company  name

Number

Latest financials

 

 

 

- K  FINANCE  COORDINATION  &  SERVICES  SA

448586002

31-12-2014

- - ADMIRO  SA

412443010

31-12-2014

- - CHEMITEX  SA

407685456

31-12-2014

- - - K  HOLDING  SA

438632812

31-12-2005

 

 

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             5

Linkages - Number of Companies        1

Number of Countries                            1

 

 

LINKED COMPANIES

 

NAME

NUMBER

LATEST  KEY FINANCIALS

 

TURNOVER

BELGIAN  LAND  SA

525728320

31.12.2014

--

 

 

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

 

Position

Managing  Director

Start  Date

21/10/2002

Date  of  birth

15/02/1940

Street

52 AVENUE  DU  GUI  BRUXELLES

Post  code

1180

Country

Belgium

Name

Adnan  Kandiyoti

Name

Erol  Kandiyoti

Position

Managing  Director

Start  Date

21/10/2002

Date  of  birth

28/02/1948

Street

17 AVENUE  DES  CHRYSANTHÈMES  RHODE-SAINT-GENESE

Post  code

1640

Country

Belgium

Name

Metin  Kandiyoti

Position

Managing  Director

Start  Date

21/10/2002

Date  of  birth

29/01/1944

Street

59 AVENUE  KLEBER

Post  code

75016

Country

France

Name

Igal  Kandiyoti

Position

Director

Start  Date

30/11/2007

Date  of  birth

01/08/1970

Street

30 AVENUE  DE  LA  PETITE  ESPINETTE  BRUXELLES

Post  code

1180

Country

Belgium

Name

Ralfi  Kandiyoti

Position

Director

Start  Date

30/11/2007

Date  of  birth

05/10/1972

Street

5 RUE  JOSEPH  STALLAERT  BRUXELLES

Post  code

1050

Country

Belgium

Name

Claude  Kandiyoti

Position

Director

Start  Date

30/11/2007

Date  of  birth

22/08/1972

Street

21 RUE  JEAN-BAPTISTE  MEUNIER  BRUXELLES

Post  code

1050

Country

Belgium

 

 

FORMER DIRECTOR DETAILS

 

------

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.17

UK Pound

1

Rs.100.66

Euro

1

Rs.70.97

 

 

INFORMATION DETAILS

 

Analysis Done by :

HNA

 

 

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.