MIRA INFORM REPORT

 

 

Report No. :

349660

Report Date :

20.11.2015

 

IDENTIFICATION DETAILS

 

Name :

ODIBI S.R.L.

 

 

Registered Office :

Via  Venezia,  35,

33085 – Maniago (PN)

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

04.03.1996

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Wholesale of fire-prevention and accident-prevention goods

 

 

No. of Employee :

From 11 to 15

 

 

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 :

No complaints

 

 

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

 

ODIBI S.R.L.

 

 

Via  Venezia,  35,

33085 – Maniago (PN) -IT-

 

 

Summary

 

Fiscal Code

:

01312830936

Legal Form

:

Limited liability company

start of Activities

:

23/09/1996

Equity

:

Over 2.582.254

Turnover Range

:

10.000.000/12.750.000

Number of Employees

:

from 11 to 15

 

 

Activity

 

Wholesale of fire-prevention and accident-prevention goods



Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 01312830936

 

Foreign Trade Reg. no. : PN014122 since 10/03/1997

 

Chamber of Commerce no. : 56855 of Pordenone since 29/04/1996

 

Firms' Register : PN-1996-59042 of Pordenone since 27/06/1996

 

V.A.T. Code : 01312830936

 

R. E. C. no. : 19699 of Pordenone since 09/09/1996

 

Establishment date

: 04/03/1996

Start of Activities

: 23/09/1996

Legal duration

: 31/12/2050

Nominal Capital

: 10.400

Subscribed Capital

: 10.400

Paid up Capital

: 10.400

 

Legal mail :

ODIBI@PEC.ODIBI.IT

 

 

Members

 

Di Bon

Orlando

 

Born in Maniago

(PN)

on 30/07/1946

- Fiscal Code : DBNRND46L30E889N

 

Residence:

Sacile

, 6

- 33085

Maniago

(PN)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

21/05/2007

Board Chairman

21/05/2007

 

No Prejudicial events are reported

 

No Protests registered

 

Venier

Carla

 

Born in Maniago

(PN)

on 12/03/1970

- Fiscal Code : VNRCRL70C52E889G

 

Residence:

Sacile

, 6

- 33085

Maniago

(PN)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

21/05/2007

Partner

 

No Prejudicial events are reported

 

No Protests registered

 

Di Bon

Orlando

 

Born

on 30/07/1946

- Fiscal Code : DBNRND46L30E889N

 

Position

Since

Shares Amount

% Ownership

Partner

 

No Prejudicial events are reported

 

No Protests registered



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.

 

Di Bon

Orlando

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

Odibi Import Export Di Di Bon Orlando

Maniago (PN) - IT -

DBNRND46L30E889N

Proprietor

Withdrawn

Ceased

Societa' Cooperativa Sociale San Mauro

Maniago (PN) - IT -

01251760938

Director

Active

Registered

Orma S.r.l.

Maniago (PN) - IT -

01555240934

Director

Active

Registered

Orma S.r.l.

Maniago (PN) - IT -

01555240934

Board Chairman

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.



Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Venier Carla

Maniago - IT -

VNRCRL70C52E889G

4.160 .Eur

40,00

Di Bon Orlando

DBNRND46L30E889N

6.240 .Eur

60,00



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

 

Venezia

, 35

- 33085

- Maniago

(PN)

- IT -

 

PHONE

: 042771813

 

PHONE

: 0427701211

 

Legal mail

: ODIBI@PEC.ODIBI.IT

 

Employees

: 11

 

Fittings and Equipment for a value of 62.000

Eur

 

Stocks for a value of 7.230.000

Eur

 

Trade organization: direct or by agents.

Sales area on a national scale.

 

 

Historical Information and/or Firm's Status

 

CEASINGS/INCORPORATIONS/MERGES:

 

Project of splitting-up and tranfer into

 

Orma S.r.l.

 

Sacile

, 6

, 33085

, Maniago

(PN)

- IT -

 

Fiscal Code: 01555240934

 

Date

Merging/splitting-up project:

15/10/2007

 

Splitting-up and transfer of assets to

 

Orma S.r.l.

 

Sacile

, 6

, 33085

, Maniago

(PN)

- IT -

 

Fiscal Code: 01555240934

 

Date

Splitting-up:

29/02/2008



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 is active since 1996

The economic-financial analysis has been made on the base of the b/s of the latests three years.

During the last years, it recorded positive net results (r.o.e. 10,16% in 2014) keeping the turnover steady during the last two years.

The operating result was positive in the last financial year (8,21%) falling within the field's average.

The amount of the operating result is equal to Eur. 1.072.241 , with no sizeable change as opposed to the year before.

A gross operating margine for a value of Eur. 1.529.750 was reached. , stable if compared to the year before.

The financial status of the company is fairly balanced with an indebtedness level of 1,11

The equity capital is equal to Eur. 6.037.965 on the same levels as the year before.

Total indebtedness amounts to Eur. 6.720.061, showing a stable trend as opposed to 2013 (Eur. 6.474.326).

Bank exsposure is limited and the suppliers' credit is modest too, 49,27 gg. is the payment average period which is also lower than the sector average.

Payments are supported by good current assets.

Trade credits are collected slowly, average term is 129,05 days. within the standard level of the average of the sector.

Eur. 1.071.051 is the value of cash flow during the year 2014

In the last financial year labour cost was of Eur. 695.705, with a 6,74% incidence on total costs of production. and a 6,15% incidence on sales volumes.

If compared to the sales volume (-0,51%), the impact of the financial charges is limited.



Financial Data

 

Complete balance-sheet for the year

al 31/12/2014

(in Eur

x 1)

 

Item Type

Value

Sales

11.308.500

Profit (Loss) for the period

613.542

 

Complete balance-sheet for the year

al 31/12/2013

(in Eur

x 1)

 

Item Type

Value

Sales

11.158.914

Profit (Loss) for the period

637.641

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

10.864.361

Profit (Loss) for the period

799.828

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

11.887.900

Profit (Loss) for the period

918.621

 

Complete balance-sheet for the year

al 31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

10.746.303

Profit (Loss) for the period

714.673

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

 

- 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

 

Years

2014

2013

2012

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

17.633

. . Concessions,licenses,trademarks,etc.

20.207

6.454

. . Goodwill

. . Assets in formation and advance paymen.

. . Other intangible fixed assets

121.957

80.707

81.897

. Total Intangible Fixed Assets

139.590

100.914

88.351

. TANGIBLE FIXED ASSETS

. . Real estate

37.686

37.686

37.686

. . Plant and machinery

52.368

60.063

67.758

. . Industrial and commercial equipment

10.082

16.466

21.337

. . Other assets

72.781

90.786

74.271

. . Assets under construction and advances

15.000

15.000

. Total Tangible fixed assets

187.917

220.001

201.052

. FINANCIAL FIXED ASSETS

. . Equity investments

445

245

245

. . . Equity invest. in subsidiary companies

. . . Equity invest. in associated companies

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

445

245

245

. . Financial receivables

70

70

164

. . . . Within 12 months

. . . . Beyond 12 months

70

70

164

. . . Receivab due from subsidiaries

. . . . Within 12 months

. . . . 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

. . . Receivables due from third parties

70

70

164

. . . . Within 12 months

. . . . Beyond 12 months

70

70

164

. . Other securities

. . Own shares

. . . Total nominal value

. Total financial fixed assets

515

315

409

Total fixed assets

328.022

321.230

289.812

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

. . Work in progress and semimanufactured

. . Work in progress on order

. . Finished goods

7.143.247

6.133.731

6.622.989

. . Advance payments

86.267

20.686

134.591

. Total Inventories

7.229.514

6.154.417

6.757.580

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

4.159.183

5.091.744

5.173.329

. . Beyond 12 months

300.000

20.015

20.015

. . Trade receivables

4.053.888

5.069.878

4.999.028

. . . . Within 12 months

4.053.888

5.069.878

4.999.028

. . . . Beyond 12 months

. . Receivables due from subsid. comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from assoc. comp.

300.000

. . . . Within 12 months

. . . . Beyond 12 months

300.000

. . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Fiscal Receivables

93.384

31.760

94.875

. . . . Within 12 months

93.384

11.745

74.860

. . . . Beyond 12 months

20.015

20.015

. . Receivables for anticipated taxes

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from third parties

11.911

10.121

99.441

. . . . Within 12 months

11.911

10.121

99.441

. . . . Beyond 12 months

. Total Credits not held as fixed assets

4.459.183

5.111.759

5.193.344

. 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

42.780

108.270

4.491

. . Checks

. . Banknotes and coins

5.220

3.320

2.418

. Total Liquid funds

48.000

111.590

6.909

Total current assets

11.736.697

11.377.766

11.957.833

ADJUSTMENT ACCOUNTS

. Discount on loans

996.932

896.657

. Other adjustment accounts

795.376

Total adjustments accounts

996.932

896.657

795.376

TOTAL ASSETS

13.061.651

12.595.653

13.043.021

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

10.400

10.400

10.400

. Additional paid-in capital

. Revaluation reserves

. Legal reserve

39.606

39.606

39.606

. Reserve for Own shares

. Statute reserves

. Other reserves

275.202

275.202

275.201

. Accumulated Profits (Losses)

5.099.215

4.761.574

4.261.746

. Profit( loss) of the year

613.542

637.641

799.828

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

6.037.965

5.724.423

5.386.781

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

35.925

165.266

144.608

. . Taxation fund, also differed

. . Other funds

Total Reserves for Risks and Charges

35.925

165.266

144.608

Employee termination indemnities

194.290

170.006

147.406

ACCOUNTS PAYABLE

. . . . Within 12 months

6.720.061

6.474.326

7.304.514

. . . . Beyond 12 months

. . 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

5.241.999

5.011.318

6.102.634

. . . . Within 12 months

5.241.999

5.011.318

6.102.634

. . . . Beyond 12 months

. . Due to other providers of finance

. . . . Within 12 months

. . . . Beyond 12 months

. . Advances from customers

. . . . Within 12 months

. . . . Beyond 12 months

. . Trade payables

1.331.335

1.263.500

1.043.280

. . . . Within 12 months

1.331.335

1.263.500

1.043.280

. . . . 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

49.178

100.926

81.306

. . . . Within 12 months

49.178

100.926

81.306

. . . . Beyond 12 months

. . Due to social security and welfare inst.

55.904

52.289

47.253

. . . . Within 12 months

55.904

52.289

47.253

. . . . Beyond 12 months

. . Other payables

41.645

46.293

30.041

. . . . Within 12 months

41.645

46.293

30.041

. . . . Beyond 12 months

Total accounts payable

6.720.061

6.474.326

7.304.514

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

73.410

61.632

59.712

Total adjustment accounts

73.410

61.632

59.712

TOTAL LIABILITIES

13.061.651

12.595.653

13.043.021

 

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

11.308.500

11.158.914

10.864.361

. Changes in work in progress

. Changes in semi-manufact. products

. Capitalization of internal work

. Other income and revenues

88.304

70.575

271.744

. . Contributions for operating expenses

173.727

. . Different income and revenues

88.304

70.575

98.017

Total value of production

11.396.804

11.229.489

11.136.105

PRODUCTION COSTS

. Raw material,other materials and consum.

8.493.379

7.466.954

7.771.370

. Services received

807.551

. Leases and rentals

1.235.020

1.102.977

188.599

. Payroll and related costs

695.705

646.805

617.661

. . Wages and salaries

499.845

460.541

438.108

. . Social security contributions

160.311

151.685

143.702

. . Employee termination indemnities

35.549

34.579

35.851

. . Pension and similar

. . Other costs

. Amortization and depreciation

457.509

356.682

65.264

. . Amortization of intangible fixed assets

36.269

20.654

9.413

. . Amortization of tangible fixed assets

37.794

32.856

29.175

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

383.446

303.172

26.676

. Changes in raw materials

-1.009.516

489.257

494.680

. Provisions to risk reserves

. Other provisions

. Other operating costs

452.466

37.015

29.028

Total production costs

10.324.563

10.099.690

9.974.153

Diff. between value and cost of product.

1.072.241

1.129.799

1.161.952

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

41.053

41.426

38.449

. . Financ.income from receivables

. . . Towards subsidiary companies

. . . Towards associated companies

. . . Towards holding companies

. . . Towards other companies

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

. . Financ.income from secur. cur.assets

. . Financ.income other than the above

41.053

41.426

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

41.053

41.426

. Interest and other financial expense

-98.889

-118.672

-73.704

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

-98.889

-118.672

Total financial income and expense

-57.836

-77.246

-35.255

ADJUSTMENTS TO FINANCIAL ASSETS

. Revaluations

. . Of equity investments

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

. . Of securities incl.among current assets

. Devaluation

. . Of equity investments

. . Of financial fixed assets (no equity inv)

. . Of securities included among current ass

Total adjustments to financial assets

EXTRAORDINARY INCOME AND EXPENSE

. Extraordinary income

20.015

. . Gains on disposals

. . Other extraordinary income

20.015

. Extraordinary expense

-2

. . Losses on disposals

. . Taxes relating to prior years

. . Other extraordinary expense

-2

Total extraordinary income and expense

-2

-2

20.015

Results before income taxes

1.014.403

1.052.551

1.146.712

. Taxes on current income

400.861

414.910

346.884

. . current taxes

400.861

414.910

346.884

. . differed taxes(anticip.)

. Net income for the period

613.542

637.641

799.828

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

613.542

637.641

799.828

 

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

0,03

0,03

0,02

0,10

Elasticity Ratio

Units

0,90

0,90

0,92

0,87

Availability of stock

Units

0,55

0,49

0,52

0,21

Total Liquidity Ratio

Units

0,35

0,41

0,40

0,61

Quick Ratio

Units

0,00

0,01

0,00

0,03

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

1,11

1,11

1,35

4,04

Self Financing Ratio

Units

0,46

0,45

0,41

0,16

Capital protection Ratio

Units

0,90

0,89

0,85

0,59

Liabilities consolidation quotient

Units

0,03

0,03

0,02

0,11

Financing

Units

1,11

1,13

1,36

4,85

Permanent Indebtedness Ratio

Units

0,48

0,47

0,42

0,26

M/L term Debts Ratio

Units

0,01

0,01

0,01

0,07

Net Financial Indebtedness Ratio

Units

0,86

0,86

1,13

1,01

CORRELATION

Fixed assets ratio

Units

19,00

18,35

19,10

2,12

Current ratio

Units

1,75

1,76

1,64

1,16

Acid Test Ratio-Liquidity Ratio

Units

0,67

0,81

0,71

0,88

Structure's primary quotient

Units

18,41

17,82

18,59

1,40

Treasury's primary quotient

Units

0,01

0,02

0,00

0,04

Rate of indebtedness ( Leverage )

%

216,33

220,03

242,13

620,22

Current Capital ( net )

Value

5.016.636

4.903.440

4.653.319

131.414

RETURN

Return on Sales

%

9,47

8,91

7,96

2,27

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

%

10,16

11,14

14,85

6,70

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

%

16,80

18,39

21,29

18,85

Return on Investment ( R.O.I. )

%

8,21

8,97

8,91

4,76

Return/ Sales

%

9,48

10,12

10,70

3,70

Extra Management revenues/charges incid.

%

57,22

56,44

68,83

28,15

Cash Flow

Value

1.071.051

994.323

865.092

39.655

Operating Profit

Value

1.072.241

1.129.799

1.161.952

63.123

Gross Operating Margin

Value

1.529.750

1.486.481

1.227.216

99.042

MANAGEMENT

Credits to clients average term

Days

129,05

163,56

165,65

119,16

Debts to suppliers average term

Days

49,27

53,08

42,84

116,83

Average stock waiting period

Days

230,15

198,55

223,92

58,39

Rate of capital employed return ( Turnover )

Units

0,87

0,89

0,83

1,36

Rate of stock return

Units

1,56

1,81

1,61

6,14

Labour cost incidence

%

6,15

5,80

5,69

8,98

Net financial revenues/ charges incidence

%

-0,51

-0,69

-0,32

-1,08

Labour cost on purchasing expenses

%

6,74

6,40

6,19

8,98

Short-term financing charges

%

1,47

1,83

1,01

2,60

Capital on hand

%

115,50

112,88

120,05

73,17

Sales pro employee

Value

538.500

557.945

987.669

394.001

Labour cost pro employee

Value

33.128

32.340

56.151

34.340

 

 

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

:

297.699

Population living in the region

:

1.204.718

Number of families in the region

:

516.349

 

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

 

- per food products

:

377

- per non food products

:

1.727

- per energy consume

:

114



Sector Data

 

The values are calculated on a base of 2.551 significant companies.

The companies cash their credits on an average of 119 dd.

The average duration of suppliers debts is about 117 dd.

The sector's profitability is on an average of 2,27%.

The labour cost affects the turnover in the measure of 8,98%.

Goods are held in stock in a range of 58 dd.

The difference between the sales volume and the resources used to realize it is about 1,36.

The employees costs represent the 8,98% of the production costs.



Statistical Detrimental Data

 

Statistcally the trade activity shows periods of crisis.

The area is statistically considered lowly risky.

In the region 3.901 protested subjects are found; in the province they count to 695.

The insolvency index for the region is 0,33, , while for the province it is 0,24.

Total Bankrupt companies in the province : 1.260.

Total Bankrupt companies in the region : 5.085.

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.11

UK Pound

1

Rs.101.03

Euro

1

Rs.70.78

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

ASH

 

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.