MIRA INFORM REPORT

 

 

Report No. :

349181

Report Date :

18.11.2015

 

IDENTIFICATION DETAILS

 

Name :

SIR SAFETY SYSTEM S.P.A.

 

 

Registered Office :

Via Dei Fornaciai, 9, 06081 – Assisi (PG)

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

19.12.2013

 

 

Legal Form :

Joint Stock Company with Sole Shareholder

 

 

Line of Business :

Manufacture of Workwear

 

 

No. of Employees :

From 150 to 175

 

 

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)

Italy

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

ITALY - ECONOMIC OVERVIEW

 

Italy has a diversified economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, where unemployment is higher. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family-owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but its exceptionally high public debt and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, topping 132% of GDP in 2014, but investor concerns about Italy and the broader euro-zone crisis eased in 2013, bringing down Italy's borrowing costs on sovereign government debt from euro-era. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's long-standing structural impediments to growth, such as labor market inefficiencies and tax evasion. In 2014 economic growth and labor market conditions continued to deteriorate, with overall unemployment rising to 12.2% and youth unemployment around 40%. Italy's GDP is now nearly 10% below its 2007 pre-crisis level.

 

Source : CIA

 

 

 

 


Company Name and Address

 

SIR SAFETY SYSTEM S.P.A.

 

Via Dei Fornaciai, 9

 

06081 - Assisi        (PG) -IT-

 

 

Summary

 

Fiscal Code

:

03359340548

Legal Form

:

Joint stock company with sole shareholder

start of Activities

:

13/01/2014

Equity

:

Over 2.582.254

Turnover Range

:

35.000.000/50.000.000

Number of Employees

:

from 150 to 175

 

 

Activity

 

Manufacture of Workwear

 

 

Legal Data

 

Legal Form : Joint stock company with sole shareholder

Fiscal Code : 03359340548

 

Chamber of Commerce no. : 2031524 of Milano

 

Chamber of Commerce no. : 283620 of Perugia since 02/01/2014

 

V.A.T. Code : 03359340548

 

Establishment date

: 19/12/2013

Start of Activities

: 13/01/2014

Legal duration

: 31/12/2100

Nominal Capital

: 3.500.000

 

Subscribed Capital

: 3.500.000

 

Paid up Capital

: 3.500.000

 

 

Legal mail :

AMM.NE@PEC.SIRSAFETY.COM

 

 

Members

 

Sir Holding S.r.l.

 

 

 

 

 

Residence:

 

Via Dei Fornaciai

, 9

- 06081

Assisi

(PG)

- IT -

 

Position

Since

Shares Amount

% Ownership

Partner

 

 

 

 

No Prejudicial events are reported

 

No Protests registered

 

Sirci

Gino

 

 

Born in Assisi

(PG)

on 23/05/1956

- Fiscal Code : SRCGNI56E23A475E

 

 

Residence:

 

Ettore Maiorana

, 11

- 06083

Bastia Umbra

(PG)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

19/12/2013

 

 

Board Chairman

19/12/2013

 

 

Managing Director

19/12/2013

 

 

 

No Prejudicial events are reported

 

No Protests registered

 

Sirci

Francesco

 

 

Born in Assisi

(PG)

on 17/11/1962

- Fiscal Code : SRCFNC62S17A475H

 

 

Residence:

 

Gemelli Baldoni

, 4

- 06083

Bastia Umbra

(PG)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

19/12/2013

 

 

 

 

Companies connected to members *

 

*checkings have been performed on a national scale.

 

In this module are listed the companies in which members hold or have holded positions.

 

Sirci

Gino

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

Sir Holding S.r.l.

Assisi (PG) - IT -

01748360540

Chairman

Withdrawn

Registered

Sir Holding S.r.l.

Assisi (PG) - IT -

01748360540

Managing Director

Active

Registered

Sir Holding S.r.l.

Assisi (PG) - IT -

01748360540

Director

Active

Registered

Sir Holding S.r.l.

Assisi (PG) - IT -

01748360540

Partner

Withdrawn

Registered

Sir Holding S.r.l.

Assisi (PG) - IT -

01748360540

Board Chairman

Active

Registered

Edizioni Il Rubino Di Barbini Bruno S.a.s. - In Siglia Edizioni Il Rubino S.a.s

Assisi (PG) - IT -

01719430546

Limited Partner

Active

Registered

Sir Safety Umbria Volley Perugia Soc. Coop. Sportiva Dilettantist Ica A R.l.

Bastia Umbra (PG) - IT -

02012060543

Director

Active

Registered

Sir Safety Umbria Volley Perugia Soc. Coop. Sportiva Dilettantist Ica A R.l.

Bastia Umbra (PG) - IT -

02012060543

Board Chairman

Active

Registered

SIR INFORTUNISTICA (SEZIONE INFORTUNISTICA REGIONALE) DI SIRCI GINO

Assisi (PG) - IT -

SRCGNI56E23A475E

Proprietor

Withdrawn

Registered

Antincendi Sir S.a.s. Di Sirci Gino E C.- In Liquidazione

Assisi (PG) - IT -

02002970545

General Partner

Withdrawn

Registered

Antincendi Sir S.a.s. Di Sirci Gino E C.- In Liquidazione

Assisi (PG) - IT -

02002970545

Liquidator

Withdrawn

Registered

Key Business S.r.l.

Perugia (PG) - IT -

02190600540

Director

Withdrawn

Registered

Key Business S.r.l.

Perugia (PG) - IT -

02190600540

Assistant board Chairman

Withdrawn

Registered

Sir Costruzioni S.r.l. - In Liquidazione

Bastia Umbra (PG) - IT -

02681680548

Sole Director

Withdrawn

Registered

Sir Costruzioni S.r.l. - In Liquidazione

Bastia Umbra (PG) - IT -

02681680548

Liquidator

Withdrawn

Registered

Servizi Finanziari S.r.l.

Perugia (PG) - IT -

03094020546

Sole Director

Withdrawn

Registered

 

The indication "REGISTERED" as Firm Status could refer to Firms in Liquidation, Active, Inactive, etc.

For more information, in this case, we advise to request further investigations.

 

 

Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Sir Holding S.r.l.

Assisi - IT -

01748360540

3.500.000 .Eur

100,00

 

 

Direct Participations

 

The Company under review has no participations in other Companies.



Firm's location and structure

 

In order to carry out its activities the firm uses the following locations:

 

-

Legal and operative seat

 

 

 

 

 

 

 

Dei Fornaciai

, 9

- 06081

- Assisi

(PG)

- IT -

 

 

 

 

Legal mail

: AMM.NE@PEC.SIRSAFETY.COM

 

-

Branch

(Sales office)

since 02/01/2014

 

 

 

 

 

 

Europa

, 74

- 20090

- Cusago

(MI)

- IT -

 

 

 

 

Employees

: 154

 

Fittings and Equipment for a value of 390.000

Eur

 

Stocks for a value of 10.270.000

Eur

 

 

Protests

 

Protests checking on the subject firm has given a negative result.

 

 

Data Base Prejudicial Events Search

 

Search performed on a National Scale

 

 

Prejudicial Events Search Result: NEGATIVE

 

Search performed on a specialized data base.

 

 

Legal Procedures

 

None reported, standing to the latest received edition of the Official Publications.



Financial and Economical Analysis

 

The company has been recently established.

The following analysis has been made on the basis of the b/s for the year 2014.

In 2014 the firm achieved a profit with a r.o.e. del 22,01%.

The operating result is positive (8,77%). falling within the field's average.

It's equal to Eur. 3.019.103 the amount of the operating result coming from the financial management.

Relating to G.O.M. , the value amounted to Eur. 3.593.665.

The financial status of the company is fairly balanced with an indebtedness level of 3,85

Subject's equity capital amounted to Eur. 6.187.470.

Bank borrowings' volume is slightly high but the recourse to suppliers' credit is modest which is also lower than the sector average.

The management determines a good range of liquidity.

Accounts receivable average term is high (165,53 days). also in relation to the average of the sector.

2014 closed with a cash flow amounting to 2014

In the last financial year labour cost was of Eur. 4.956.980, with a 13,85% incidence on total costs of production. , whereas the incidence on sales revenues is of 12,84%.

The financial management is marked by a high incidence of financial charges in relation to sales revenues (-1,68%).



Financial Data

 

 

Complete balance-sheet for the year

al 31/12/2014

(in Eur

x 1)

 

Item Type

Value

Sales

38.606.742

Profit (Loss) for the period

1.361.822



Balance Sheets

 

From our constant monitoring of the relevant Public Administration offices, no more recent balance sheets result to have been filed.

 

- Balance Sheet as at 31/12/2014 - 12 Mesi - Currency: - Amounts x 1

 

Years

2014

BALANCE SHEET ACCOUNTS

 

ASSETS

 

CREDITS VS PARTNERS

 

. Deposits not yet withdrawn

 

. Deposits already withdrawn

 

Total credits vs partners

 

FIXED ASSETS

 

. INTANGIBLE FIXED ASSETS

 

. . Start-up and expansion expenses

 

. . Research,develop. and advert.expens.

 

. . Industrial patent rights

29.255

. . Concessions,licenses,trademarks,etc.

9.880

. . Goodwill

 

. . Assets in formation and advance paymen.

42.681

. . Other intangible fixed assets

365.939

. Total Intangible Fixed Assets

447.755

. TANGIBLE FIXED ASSETS

 

. . Real estate

 

. . Plant and machinery

217.301

. . Industrial and commercial equipment

175.847

. . Other assets

249.876

. . Assets under construction and advances

7.531

. Total Tangible fixed assets

650.555

. FINANCIAL FIXED ASSETS

 

. . Equity investments

921.720

. . . Equity invest. in subsidiary companies

901.816

. . . Equity invest. in associated companies

 

. . . Equity invest. in holding companies

 

. . . Equity invest. in other companies

19.904

. . Financial receivables

2.119.553

. . . . Within 12 months

 

. . . . Beyond 12 months

2.119.553

. . . Receivab due from subsidiaries

52.675

. . . . Within 12 months

 

. . . . Beyond 12 months

52.675

. . . Receivables due from assoc.comp.

 

. . . . . Within 12 months

 

. . . . . Beyond 12 months

 

. . . Receivables due from holding comp.

2.066.878

. . . . Within 12 months

 

. . . . Beyond 12 months

2.066.878

. . . Receivables due from third parties

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Other securities

 

. . Own shares

 

. . . Total nominal value

 

. Total financial fixed assets

3.041.273

Total fixed assets

4.139.583

CURRENT ASSETS

 

. INVENTORIES

 

. . Raw materials and other consumables

 

. . Work in progress and semimanufactured

 

. . Work in progress on order

 

. . Finished goods

10.272.932

. . Advance payments

 

. Total Inventories

10.272.932

. CREDITS NOT HELD AS FIXED ASSETS

 

. . Within 12 months

18.012.350

. . Beyond 12 months

111.261

. . Trade receivables

17.751.178

. . . . Within 12 months

17.751.178

. . . . Beyond 12 months

 

. . Receivables due from subsid. comp.

225.946

. . . . Within 12 months

225.946

. . . . Beyond 12 months

 

. . Receivables due from assoc. comp.

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Receivables due from holding comp.

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Fiscal Receivables

55.000

. . . . Within 12 months

 

. . . . Beyond 12 months

55.000

. . Receivables for anticipated taxes

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Receivables due from third parties

91.487

. . . . Within 12 months

35.226

. . . . Beyond 12 months

56.261

. Total Credits not held as fixed assets

18.123.611

. FINANCIAL ASSETS

 

. . Equity invest. in subsidiary comp.

 

. . Equity invest. in associated companies

 

. . Equity invest. in holding companies

 

. . Other equity investments

 

. . Own shares

 

. . . Total nominale value

 

. . Other securities

 

. Total Financial Assets

 

. LIQUID FUNDS

 

. . Bank and post office deposits

1.571.174

. . Checks

 

. . Banknotes and coins

19.129

. Total Liquid funds

1.590.303

Total current assets

29.986.846

ADJUSTMENT ACCOUNTS

 

. Discount on loans

307.513

. Other adjustment accounts

 

Total adjustments accounts

307.513

TOTAL ASSETS

34.433.942

 

 

LIABILITIES

 

STOCKHOLDERS' EQUITY

 

. Capital stock

3.500.000

. Additional paid-in capital

 

. Revaluation reserves

 

. Legal reserve

 

. Reserve for Own shares

 

. Statute reserves

 

. Other reserves

1.325.648

. Accumulated Profits (Losses)

 

. Profit( loss) of the year

1.361.822

. Advances on dividends

 

. Partial loss of the year Coverage

 

Total Stockholders'Equity

6.187.470

RESERVES FOR RISKS AND CHARGES

 

. . Reserve for employee termination indem.

138.111

. . Taxation fund, also differed

 

. . Other funds

10.000

Total Reserves for Risks and Charges

148.111

Employee termination indemnities

223.155

ACCOUNTS PAYABLE

 

. . . . Within 12 months

25.423.943

. . . . Beyond 12 months

2.395.702

. . Bonds

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Convertible bonds repayable

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Due to shareholders for financing

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Due to banks

20.795.137

. . . . Within 12 months

18.453.134

. . . . Beyond 12 months

2.342.003

. . Due to other providers of finance

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Advances from customers

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Trade payables

4.654.038

. . . . Within 12 months

4.654.038

. . . . Beyond 12 months

 

. . Securities issued

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Due to subsidiary companies

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Due to associated companies

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Due to holding companies

 

. . . . Within 12 months

 

. . . . Beyond 12 months

 

. . Due to the tax authorities

1.475.713

. . . . Within 12 months

1.475.713

. . . . Beyond 12 months

 

. . Due to social security and welfare inst.

381.631

. . . . Within 12 months

327.932

. . . . Beyond 12 months

53.699

. . Other payables

513.126

. . . . Within 12 months

513.126

. . . . Beyond 12 months

 

Total accounts payable

27.819.645

ADJUSTMENT ACCOUNTS

 

. Agio on loans

 

. Other adjustment accounts

55.561

Total adjustment accounts

55.561

TOTAL LIABILITIES

34.433.942

 

 

 

 

MEMORANDUM ACCOUNTS

 

Third party goods

 

Investment accounts

 

Risk accounts

 

Civil and fiscal norms relation

 

 

 

 

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

 

. Revenues from sales and services

38.606.742

. Changes in work in progress

 

. Changes in semi-manufact. products

 

. Capitalization of internal work

 

. Other income and revenues

190.387

. . Contributions for operating expenses

 

. . Different income and revenues

190.387

Total value of production

38.797.129

PRODUCTION COSTS

 

. Raw material,other materials and consum.

22.943.997

. Services received

 

. Leases and rentals

9.473.723

. Payroll and related costs

4.956.980

. . Wages and salaries

3.615.367

. . Social security contributions

1.097.792

. . Employee termination indemnities

243.821

. . Pension and similar

 

. . Other costs

 

. Amortization and depreciation

574.562

. . Amortization of intangible fixed assets

296.977

. . Amortization of tangible fixed assets

187.023

. . Depreciation of tangible fixed assets

 

. . Writedown of current receiv.and of liquid

90.562

. Changes in raw materials

-2.937.197

. Provisions to risk reserves

 

. Other provisions

 

. Other operating costs

765.961

Total production costs

35.778.026

Diff. between value and cost of product.

3.019.103

FINANCIAL INCOME AND EXPENSE

 

. Income from equity investments

 

. . In subsidiary companies

 

. . In associated companies

 

. . In other companies

 

. Other financial income

31.158

. . Financ.income from receivables

13.665

. . . Towards subsidiary companies

 

. . . Towards associated companies

 

. . . Towards holding companies

13.665

. . . Towards other companies

 

. . Financ.income from secur. t.f.assets

 

. . Financ.income from secur. cur.assets

 

. . Financ.income other than the above

17.493

. . . - Subsidiary companies

 

. . . - Associated companies

 

. . . - Holding companies

 

. . . - Other companies

17.493

. Interest and other financial expense

-678.602

. . Towards subsidiary companies

 

. . Towards associated companies

 

. . Towards holding companies

-93.037

. . Towards other companies

-585.565

Total financial income and expense

-647.444

ADJUSTMENTS TO FINANCIAL ASSETS

 

. Revaluations

 

. . Of equity investments

 

. . Of financ.fixed assets not repres.E.I.

 

. . Of securities incl.among current assets

 

. Devaluation

-8.000

. . Of equity investments

-8.000

. . Of financial fixed assets (no equity inv)

 

. . Of securities included among current ass

 

Total adjustments to financial assets

-8.000

EXTRAORDINARY INCOME AND EXPENSE

 

. Extraordinary income

 

. . Gains on disposals

 

. . Other extraordinary income

 

. Extraordinary expense

 

. . Losses on disposals

 

. . Taxes relating to prior years

 

. . Other extraordinary expense

 

Total extraordinary income and expense

 

Results before income taxes

2.363.659

. Taxes on current income

1.001.837

. . current taxes

1.001.837

. . differed taxes(anticip.)

 

. Net income for the period

1.361.822

. Adjustments in tax regulations pursuance

 

. Provisions in tax regulations pursuance

 

. Profit (loss) of the year

1.361.822

 

RATIOS

Value Type

as at 31/12/2014

Sector Average

COMPOSITION ON INVESTMENT

 

 

 

Rigidity Ratio

Units

0,12

0,14

Elasticity Ratio

Units

0,87

0,84

Availability of stock

Units

0,30

0,24

Total Liquidity Ratio

Units

0,57

0,53

Quick Ratio

Units

0,05

0,03

COMPOSITION ON SOURCE

 

 

 

Net Short-term indebtedness

Units

3,85

3,78

Self Financing Ratio

Units

0,18

0,17

Capital protection Ratio

Units

0,21

0,66

Liabilities consolidation quotient

Units

0,10

0,14

Financing

Units

4,50

4,55

Permanent Indebtedness Ratio

Units

0,26

0,33

M/L term Debts Ratio

Units

0,08

0,09

Net Financial Indebtedness Ratio

Units

3,10

1,26

CORRELATION

 

 

 

Fixed assets ratio

Units

2,13

1,87

Current ratio

Units

1,18

1,17

Acid Test Ratio-Liquidity Ratio

Units

0,78

0,79

Structure's primary quotient

Units

1,49

1,13

Treasury's primary quotient

Units

0,06

0,04

Rate of indebtedness ( Leverage )

%

556,51

587,75

Current Capital ( net )

Value

4.562.903

209.248

RETURN

 

 

 

Return on Sales (R.O.S.)

%

5,02

2,26

Return on Equity - Net- ( R.O.E. )

%

22,01

3,48

Return on Equity - Gross - ( R.O.E. )

%

38,20

12,19

Return on Investment ( R.O.I. )

%

8,77

3,83

Return/ Sales

%

7,82

3,45

Extra Management revenues/charges incid.

%

45,11

20,46

Cash Flow

Value

1.936.384

50.400

Operating Profit

Value

3.019.103

68.610

Gross Operating Margin

Value

3.593.665

124.742

MANAGEMENT

 

 

 

Credits to clients average term

Days

165,53

120,68

Debts to suppliers average term

Days

51,68

115,81

Average stock waiting period

Days

95,79

78,40

Rate of capital employed return ( Turnover )

Units

1,12

1,14

Rate of stock return

Units

3,76

4,57

Labour cost incidence

%

12,84

12,27

Net financial revenues/charges incidence

%

-1,68

-1,84

Labour cost on purchasing expenses

%

13,85

12,16

Short-term financing charges

%

2,44

3,35

Capital on hand

%

89,19

87,41

Sales pro employee

Value

250.693

245.343

Labour cost pro employee

Value

32.188

32.046

 

 

Remarks

 

1) Protests checking (relative to the last five years) performed by crossing and matching the members names and the Firm's Style with the reported addresses, is supplied by the Informatic Registry managed by the Italian Chamber of Commerce. If the fiscal code is not indicated, the eventual homonymous cases are submitted to expert staff evaluation in order to limit wrong matching risks.

 

2) The Legal Data, supplied and retrived from the Firm's Registry of the Italian Chamber of Commerce, are in line with the last registered modifications.

 

3) Risk evaluation and Credit Opinion have been performed on the base of the actual data at the moment of their availability.

 

 

Market / Territory Data

 

Population living in the province

:

632.420

Population living in the region

:

858.938

Number of families in the region

:

331.385

 

Monthly family expences average in the region (in Eur..) :

 

- per food products

:

508

- per non food products

:

1.747

- per energy consume

:

125

 

 

Sector Data

 

The values are calculated on a base of 864 significant companies.

The companies cash their credits on an average of 121 dd.

The average duration of suppliers debts is about 116 dd.

The sector's profitability is on an average of 2,26%.

The labour cost affects the turnover in the measure of 12,27%.

Goods are held in stock in a range of 78 dd.

The difference between the sales volume and the resources used to realize it is about 1,14.

The employees costs represent the 12,16% of the production costs.

 

 

Statistical Detrimental Data

 

Statistically the trade activity passes through serious crises.

The area is statistically considered remarkably risky.

In the region 7.230 protested subjects are found; in the province they count to 5.173.

The insolvency index for the region is 0,85, , while for the province it is 0,83.

Total Bankrupt companies in the province : 2.808.

Total Bankrupt companies in the region : 3.572.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.98

UK Pound

1

Rs.100.11

Euro

1

Rs.70.35

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

NIT

 

               

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.