|
Report No. : |
349673 |
|
Report Date : |
19.11.2015 |
IDENTIFICATION DETAILS
|
Name : |
GRANITI S. ROCCO S.R.L. |
|
|
|
|
Registered Office : |
Piazza Aldo Moro, 2, 28865 – Crevoladossola (VB) -IT- |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2014 |
|
|
|
|
Date of Incorporation : |
15.03.2000 |
|
|
|
|
Legal Form : |
Sole-Member Limited Liability Company |
|
|
|
|
Line of Business : |
Wholesale of Other Building Materials. |
|
|
|
|
No. of Employees : |
From 16 to 25 |
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) |
|
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 |
GRANITI S. ROCCO S.R.L.
Piazza Aldo Moro, 2
28865 - Crevoladossola (VB) -IT-
|
Fiscal Code |
: |
01297270033 |
|
Legal Form |
: |
Sole-Member Limited Liability Company |
|
start of Activities |
: |
15/03/2000 |
|
Equity |
: |
750.000 |
|
Turnover Range |
: |
3.750.000/5.000.000 |
|
Number of Employees |
: |
from 16 to 25 |
Wholesale of other building materials
Legal Form : Sole-Member Limited Liability Company
|
Fiscal Code : 01297270033 |
|
Chamber of Commerce no. : 154448 of Livorno |
|
Chamber of Commerce no. : 162809 of Verbania since 29/06/1989 |
|
Firms' Register : 7237 of Verbania |
|
Firms' Register : VB072-7237 of Verbania since 19/02/1996 |
|
V.A.T. Code : 01297270033 |
|
Establishment date |
: 05/05/1989 |
|
|
Start of Activities |
: 15/03/2000 |
|
|
Legal duration |
: 31/12/2020 |
|
|
Nominal Capital |
: 115.000 |
|
|
Subscribed Capital |
: 115.000 |
|
|
Paid up Capital |
: 115.000 |
|
Legal mail : |
PEC.GRANITISANROCCO@CERT.TELECOMPEC.IT |
|
|
D'aloisio |
Lorenzo |
|
|
Born in Gibellina |
(TP) |
on 12/02/1941 |
- Fiscal Code : DLSLNZ41B12E023M |
|
|
Residence: |
Ungheria |
, 34 |
- 53036 |
Poggibonsi |
(SI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Sole Director |
02/03/2006 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Palissandro Marmi S.r.l |
|
|
: |
Pisana |
, 47 |
- 50021 |
Barberino Val d'Elsa |
(FI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Sole partner |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
*checkings have been performed on a national scale.
In this module are listed the companies in which members hold or have
holded positions.
|
|
D'aloisio |
Lorenzo |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Pollo Chianti S.p.A. |
Monteriggioni (SI) - IT - |
00109560524 |
Sole Director |
Active |
Registered |
|
Tosco Marmi S.p.a. |
Barberino Val d'Elsa (FI) - IT - |
00129370524 |
Chairman |
Withdrawn |
Registered |
|
M. Settantadue S.r.l. |
Imola (BO) - IT - |
00125310037 |
Sole Director |
Withdrawn |
Registered |
|
Iniziative Ossolane S.p.a. |
Domodossola (VB) - IT - |
00903840031 |
Chairman |
Withdrawn |
Registered |
|
Iniziative Ossolane S.p.a. |
Domodossola (VB) - IT - |
00903840031 |
Director |
Active |
Registered |
|
Iniziative Ossolane S.p.a. |
Domodossola (VB) - IT - |
00903840031 |
Board Chairman |
Active |
Registered |
|
Idroelettrica Sempione S.r.l. |
Crevoladossola (VB) - IT - |
01257230035 |
Managing
Director |
Withdrawn |
Ceased |
|
Idroelettrica Sempione S.r.l. |
Crevoladossola (VB) - IT - |
01257230035 |
Managing
Director |
Withdrawn |
Ceased |
|
General Line S.R.L. |
Crevoladossola (VB) - IT - |
01349440030 |
Sole Director |
Withdrawn |
Registered |
|
V.a.v. - Vetreria Artistica Valdelsana S.r.l. |
Barberino Val d'Elsa (FI) - IT - |
00051330520 |
Chairman |
Withdrawn |
Registered |
|
V.a.v. - Vetreria Artistica Valdelsana S.r.l. |
Barberino Val d'Elsa (FI) - IT - |
00051330520 |
Board Chairman |
Active |
Registered |
|
E.L.M.A. S.R.L. ESCAVAZIONE E LAVORAZIONE MARMI E AFFINI |
Poggibonsi (SI) - IT - |
00050240522 |
Sole Director |
Withdrawn |
Registered |
|
Suvereto Marmi S.r.l |
Barberino Val d'Elsa (FI) - IT - |
00651640526 |
Sole Director |
Active |
Registered |
|
MARMI ITALIA - S.R.L. |
FIRENZE (FI) - IT - |
00666830484 |
Sole Director |
Withdrawn |
Registered |
|
Alari International S.R.L. |
Barberino Val d'Elsa (FI) - IT - |
00113340525 |
Chairman |
Withdrawn |
Registered |
|
Depositi Generali Ossolani S.r.l. |
Beura-Cardezza (VB) - IT - |
01456570033 |
Director |
Active |
Registered |
|
Oria-ossola Recuperi Immobiliari Ed Ambientali S.r.l. |
Barberino Val d'Elsa (FI) - IT - |
00936740521 |
Sole Director |
Active |
Registered |
|
Azienda Agraria I Pini Srl |
Poggibonsi (SI) - IT - |
00726650526 |
Sole Director |
Active |
Registered |
|
Marmifera Di D'aloisio E C. |
Poggibonsi (SI) - IT - |
00047180526 |
Partner |
Withdrawn |
Registered |
|
Marmifera Di D'aloisio E C. |
Poggibonsi (SI) - IT - |
00047180526 |
Partner |
Active |
Registered |
|
Marmifera Di D'aloisio E C. |
Poggibonsi (SI) - IT - |
00047180526 |
Silent Partner |
Active |
Registered |
|
S.v.m. S.r.l. |
Poggibonsi (SI) - IT - |
00685540528 |
Sole Director |
Withdrawn |
Registered |
|
AZIENDA SERVICE S.R.L. |
Domodossola (VB) - IT - |
01445710039 |
Sole Director |
Withdrawn |
Registered |
|
Castellina Futura S.r.l. |
Castellina in Chianti (SI) - IT - |
01035660529 |
Director |
Active |
Registered |
|
Castellina Futura S.r.l. |
Castellina in Chianti (SI) - IT - |
01035660529 |
Memb.of the
Executive Committee |
Active |
Registered |
|
O.m.g. - Ossola Marmi E Graniti S.r.l. |
Domodossola (VB) - IT - |
02068960034 |
Director |
Active |
Registered |
|
O.m.g. - Ossola Marmi E Graniti S.r.l. |
Domodossola (VB) - IT - |
02068960034 |
Board Chairman |
Active |
Registered |
|
Palissandro Marmi S.r.l |
Barberino Val d'Elsa (FI) - IT - |
05847680484 |
Sole Director |
Active |
Registered |
|
Tosco Costruzioni S.r.l |
Barberino Val d'Elsa (FI) - IT - |
05872530489 |
Sole Director |
Active |
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.
Shareholders' list as at date of data collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Palissandro Marmi S.r.l |
Barberino Val d'Elsa - IT - |
05847680484 |
100,00 |
Direct Participations
The Company under review has participations in the following Companies:
|
Firm's Style |
Seat |
Fiscal Code |
Owned Shares
Amount |
% Ownership |
since |
until |
Share Status |
|
Depositi Generali Ossolani S.r.l. |
Beura-Cardezza - IT - |
01456570033 |
3.333 .Eur |
33,33 |
Active |
||
|
Centro Servizi Lapideo Del Verbano Cusio Ossola Societa' Consorti Le
Per Azioni |
Crevoladossola - IT - |
92014000035 |
1.280 .Eur |
0,87 |
Active |
In order to carry out its activities the firm uses the following
locations:
|
- |
Legal and operative seat |
|
Aldo Moro |
, 2 |
- 28035 |
- Crevoladossola |
(VB) |
- IT - |
|
Legal mail |
: PEC.GRANITISANROCCO@CERT.TELECOMPEC.IT |
|
- |
Branch |
(Quarry) |
since 15/03/2000 |
|
San Rocco |
- 28030 |
- Premia |
(VB) |
- IT - |
|
PHONE |
: 032433478 |
|
- |
Branch |
since 05/05/2008 |
|
Enso |
- 28035 |
- Crevoladossola |
(VB) |
- IT - |
|
- |
Branch |
(Quarry) |
since 08/01/2013 |
|
Montepeloso |
, . |
- 57028 |
- Suvereto |
(LI) |
- IT - |
|
Employees |
: 17 |
|
Assistants |
: 3 |
|
Fittings and Equipment for a value of 3.000 |
Eur |
|
Stocks for a value of 320.000 |
Eur |
Trade organization: direct or by agents.
Sales area on a regional scale.
Transports are mainly done using own vehicles and third parties ones
The company sells mainly to converting industries.
Company generally accepts payments with terms of 60/90 days.
Financial means used for sale: bank transfers and bank orders.
Purchase terms: 60-90-120 days.
Subject mostly settles its engagements by cash order.
CEASINGS/INCORPORATIONS/MERGES:
|
|
Project of merging by taking over of |
|
General Line
S.R.L. |
|
|
Aldo Moro |
, 2 |
, 28865 |
, Crevoladossola |
(VB) |
- IT - |
|
|
Fiscal Code: 01349440030 |
|
|
Date |
Merging/splitting-up project: |
08/06/2006 |
|
|
The firm absorbed by merging of |
|
General Line
S.R.L. |
|
|
Aldo Moro |
, 2 |
, 28865 |
, Crevoladossola |
(VB) |
- IT - |
|
|
Fiscal Code: 01349440030 |
|
|
Date |
: |
25/09/2006 |
|
|
Project of merging into |
|
Palissandro
Marmi S.r.l |
|
|
Pisana |
, 47 |
, 50021 |
, Barberino Val d'Elsa |
(FI) |
- IT - |
|
|
Fiscal Code: 05847680484 |
|
|
Date |
Merging/splitting-up project: |
09/10/2015 |
Protests checking on the subject firm has given a negative result.
Search performed on a National Scale
|
|
Prejudicial Events Search Result: NEGATIVE |
Search performed on a specialized data base.
None reported, standing to the latest received edition of the Official
Publications.
Subject is active since 2000
Balance sheets for the years 2012, 2013 and 2014 were analyzed.
Unstable economic results mark the company's financial state of affairs.
with a loss in the last financial year. The turnover is growing in the last
financial year (+13,82%).
The return on Investment in the last financial year was positive (5,17%)
and reflects the field's average.
The amount of the operating result for the year 2014 is of Eur. 374.755
with an increase of 20,51% if the compared to the previous financial year.
The G.O.M. amounted to Eur. 659.416 stable if compared to the financial
year 2013.
The ratio between debts and total assets is fairly high, as it comes out
from the indebtedness (6,79) but on the decrease if compared to the year
before.
The management generated equity capital for an amount of Eur. 722.285 on
stable levels.
During the last financial year debts totalled Eur. 6.213.746 (Eur.
1.310.629 of which were m/l term debts) , a more or less stable value.
Liquid assets are not proportional to subject's needs.
During financial year 2014 the cash flow amounted to Eur. 216.026
Labour cost amounts to Eur. 848.683, with a 18,96% incidence on
production costs. , whereas 19,73% is the incidence on sales revenues.
Finacial chareges are high: the incidence on sales volume amounts to
-7,74%
|
|
Complete balance-sheet for the year |
al 31/12/2014 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
4.302.206 |
|
Profit (Loss) for the period |
-68.635 |
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
3.779.549 |
|
Profit (Loss) for the period |
-76.416 |
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
3.458.143 |
|
Profit (Loss) for the period |
45.142 |
|
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
3.785.754 |
|
Profit (Loss) for the period |
142.460 |
|
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
4.551.748 |
|
Profit (Loss) for the period |
-13.171 |
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 |
|
- Balance Sheet as at 31/12/2013 - 12 Mesi - Currency: - Amounts x 1 |
|
- Balance Sheet as at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1 |
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
|
RATIOS |
Value Type |
as at 31/12/2014 |
as at 31/12/2013 |
as at 31/12/2012 |
Sector Average |
|
COMPOSITION ON
INVESTMENT |
|||||
|
Rigidity Ratio |
Units |
0,55 |
0,50 |
0,52 |
0,11 |
|
Elasticity Ratio |
Units |
0,45 |
0,49 |
0,46 |
0,87 |
|
Availability of stock |
Units |
0,04 |
0,04 |
0,05 |
0,22 |
|
Total Liquidity Ratio |
Units |
0,40 |
0,45 |
0,41 |
0,56 |
|
Quick Ratio |
Units |
0,00 |
0,00 |
0,00 |
0,02 |
|
COMPOSITION ON
SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
6,79 |
7,62 |
5,77 |
3,81 |
|
Self Financing Ratio |
Units |
0,10 |
0,09 |
0,11 |
0,17 |
|
Capital protection Ratio |
Units |
0,94 |
0,95 |
0,82 |
0,65 |
|
Liabilities consolidation quotient |
Units |
0,32 |
0,26 |
0,39 |
0,12 |
|
Financing |
Units |
8,60 |
9,29 |
7,71 |
4,72 |
|
Permanent Indebtedness Ratio |
Units |
0,32 |
0,28 |
0,36 |
0,30 |
|
M/L term Debts Ratio |
Units |
0,22 |
0,19 |
0,25 |
0,07 |
|
Net Financial Indebtedness Ratio |
Units |
n.c. |
n.c. |
n.c. |
1,28 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
0,58 |
0,57 |
0,69 |
2,06 |
|
Current ratio |
Units |
0,66 |
0,69 |
0,71 |
1,16 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,60 |
0,64 |
0,64 |
0,84 |
|
Structure's primary quotient |
Units |
0,18 |
0,19 |
0,21 |
1,28 |
|
Treasury's primary quotient |
Units |
0,00 |
0,00 |
0,00 |
0,03 |
|
Rate of indebtedness ( Leverage ) |
% |
1004,51 |
1072,87 |
906,21 |
591,61 |
|
Current Capital ( net ) |
Value |
-1.660.360 |
-1.862.535 |
-1.441.039 |
219.071 |
|
RETURN |
|||||
|
Return on Sales |
% |
5,02 |
4,81 |
12,23 |
2,22 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
-9,50 |
-9,66 |
5,20 |
6,27 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
2,24 |
2,55 |
11,28 |
15,95 |
|
Return on Investment ( R.O.I. ) |
% |
5,17 |
3,66 |
1,44 |
4,19 |
|
Return/ Sales |
% |
8,71 |
8,23 |
3,27 |
3,42 |
|
Extra Management revenues/charges incid. |
% |
-18,31 |
-24,57 |
39,92 |
29,26 |
|
Cash Flow |
Value |
216.026 |
181.940 |
422.893 |
61.669 |
|
Operating Profit |
Value |
374.755 |
310.970 |
113.094 |
95.558 |
|
Gross Operating Margin |
Value |
659.416 |
569.326 |
490.845 |
144.934 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
n.c. |
n.c. |
n.c. |
120,94 |
|
Debts to suppliers average term |
Days |
n.c. |
n.c. |
n.c. |
120,04 |
|
Average stock waiting period |
Days |
26,56 |
32,46 |
37,09 |
61,92 |
|
Rate of capital employed return ( Turnover ) |
Units |
0,59 |
0,45 |
0,44 |
1,27 |
|
Rate of stock return |
Units |
13,55 |
11,09 |
9,71 |
5,74 |
|
Labour cost incidence |
% |
19,73 |
26,74 |
19,02 |
7,77 |
|
Net financial revenues/ charges incidence |
% |
-7,74 |
-7,69 |
-7,10 |
-1,26 |
|
Labour cost on purchasing expenses |
% |
18,96 |
25,47 |
18,60 |
7,90 |
|
Short-term financing charges |
% |
5,50 |
4,16 |
3,95 |
2,67 |
|
Capital on hand |
% |
168,64 |
224,51 |
227,29 |
78,39 |
|
Sales pro employee |
Value |
165.469 |
121.920 |
172.907 |
437.713 |
|
Labour cost pro employee |
Value |
32.641 |
32.596 |
32.893 |
33.928 |
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 |
: |
161.575 |
|
Population living in the region |
: |
4.330.172 |
|
Number of families in the region |
: |
1.889.207 |
Monthly family expences average in the region (in Eur..) :
|
- per food products |
: |
429 |
|
- per non food products |
: |
1.789 |
|
- per energy consume |
: |
135 |
The values are calculated on a base of 6.137 significant companies.
The companies cash their credits on an average of 121 dd.
The average duration of suppliers debts is about 120 dd.
The sector's profitability is on an average of 2,22%.
The labour cost affects the turnover in the measure of 7,77%.
Goods are held in stock in a range of 62 dd.
The difference between the sales volume and the resources used to
realize it is about 1,27.
The employees costs represent the 7,90% of the production costs.
Statistically the trade activity shows periods of crisis.
The area is statistically considered moderately risky.
In the region 27.019 protested subjects are found; in the province they
count to 1.296.
The insolvency index for the region is 0,63, , while for the province it
is 0,81.
Total Bankrupt companies in the province : 428.
Total Bankrupt companies in the region : 14.165.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.66.11 |
|
|
1 |
Rs.100.51 |
|
Euro |
1 |
Rs.70.39 |
INFORMATION DETAILS
|
Analysis Done by
: |
RAS |
|
|
|
|
Report Prepared
by : |
TPT |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.