MIRA INFORM REPORT

 

 

Report No. :

351196

Report Date :

24.11.2015

 

IDENTIFICATION DETAILS

 

Name :

TERROT GMBH

 

 

Registered Office :

Paul-Gruner-Str. 72b D 09120 Chemnitz

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

2000

 

 

Com. Reg. No.:

HRB 22867

 

 

Legal Form :

Private limited company

 

 

Line of Business :

·         Manufacture of machinery for textile, apparel and leather production

·         Wholesale of machinery for the textile industry and of sewing and knitting machines

 

 

No. of Employee :

213

 

 

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)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

GERMANY ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.2% in 2014. The new German government introduced a minimum wage of about $11.60 (8.50 euros) per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. The budget was essentially in balance in 2014. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. The German economy suffers from low levels of investment, and a government plan to invest 15 billion euros 2016-18, largely in infrastructure, is intended to spur needed private investment. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany plans to replace nuclear power with renewable energy, which accounted for 27.8% of gross electricity consumption in 2014, up from 9% in 2000. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production. Extremely low inflation, caused largely by low global energy prices and a weak euro, are expected to boost German GDP growth in 2015.

 

Source : CIA

 

Comapny name and address

 

TERROT GMBH

 

 Company Status:      active

                      Paul-Gruner-Str. 72b

                      D 09120 Chemnitz

                      Telephone:0371/52010

                      Telefax:  0371/5201200

                      Homepage: www.terrot.de

                      E-mail:   info@terrot.de

 

 VAT no.:             DE211844303

 Tax ID number:       214/121/04290

 

 

 CONCLUSION

 

 Business relations are permissible.

 

 

Sumamry

 

 LEGAL FORM                          Private limited company

 Date of foundation:                  2000

 Shareholders'

 agreement:                               15.09.2000

 Registered on:                         14.06.2006

 Commercial Register:               Local court 09112 Chemnitz

 under:                                      HRB 22867

 

 

 Share capital

 

EUR          1,300,000.00

 

 Shareholder:

                      Ilignus Industriebeteiligungs GmbH

                      Staakener Str. 23

                      D 13581 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR             37,500.00

                      Share:             EUR            728,000.00

                      Registered on: 05.11.2013

                      Reg. data: 14057 Berlin, HRB 153825 B

 Shareholder:

                      Voltas Limited

                      Voitas House, "A" Block; Dr.

                      Babasaheb Ambedkar Road

                      IND 400033 Mumbai

                      Legal form: Other legal form

                      Share:             EUR            260,900.00

 Shareholder:

                      SC-Kapitalbeteiligungsgesellschaft mbH

                      Bahnhofstr. 51

                      D 09111 Chemnitz

                      Post Box:

                      925

                      Legal form: Private limited company

                      Share capital:     EUR          7,669,400.00

                      Share:             EUR             82,600.00

                      Registered on: 04.12.1998

                      Reg. data: 09112 Chemnitz, HRB 16253

 Shareholder:

                      SIB Innovations- und

                      Beteiligungsgesellschaft mbH

                      Elsasser Str. 6

                      D 01307 Dresden

                      Legal form: Private limited company

                      Share capital:     EUR          1,938,600.00

                      Share:             EUR             82,600.00

                      Registered on: 27.12.1999

                      Reg. data: 01069 Dresden, HRB 17967

 Shareholder:

                      BSV-Beteiligungsgesellschaft der Sparkasse

                      Vogtland mbH

                      Dr.-Friedrichs-Str. 37

                      D 08606 Oelsnitz

                      Legal form: Private limited company

                      Share capital:     EUR          5,000,000.00

                      Share:             EUR             82,600.00

                      Registered on: 09.10.1998

                      Reg. data: 09112 Chemnitz, HRB 16093

 Shareholder:

                      Andreas Felix Paul von Bismarck

                      Friedrich-Klausing-Str. 14

                      D 14469 Potsdam

                      born: 31.01.1979

                      Share:             EUR             63,300.00

 Manager:

                      Peter Schüring

                      Limastr. 26

                      D 14163 Berlin

                      having sole power of representation

                      born: 22.03.1940

                      Profession: Management expert

                      Marital status: married

 Manager:

                      Andreas Felix Paul von Bismarck

                      Friedrich-Klausing-Str. 14

                      D 14469 Potsdam

                      having sole power of representation

                      born: 31.01.1979

 Manager:

                      Thomas Mutschler

                      Im Engele 1

                      D 72351 Geislingen

                      having sole power of representation

                      born: 05.07.1966

 Proxy:

                      Hermann Schmodde

                      Hechinger Weg 8

                      D 72160 Horb

                      authorized to jointly represent the company

                      born: 19.02.1952

 Proxy:

                      Sönke Brecht

                      Am Eichenhof 38

                      D 09247 Chemnitz

                      authorized to jointly represent the company

                      born: 06.12.1979

 

 Further functions/participations of Peter Schüring (Manager)

 Limited partner:

                      Gut Baßdorf GmbH & Co. KG

                      Staakener Str. 23

                      D 13581 Berlin

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Total cap.         EUR            306,775.14

                      contribution:

                      Share:             EUR            102,258.38

                      Registered

                      on:         03.08.1999

                      Reg. data:  14057 Berlin, HRA 30087

 Shareholder:

                      Gut Baßdorf Verwaltungsgesellschaft mbH

                      Staakener Str. 23

                      D 13581 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.60

                      Share:             EUR             12,782.30

                      Registered

                      on:         25.04.2001

                      Reg. data:  14057 Berlin, HRB 79818 B

 Shareholder:

                      BTI Banking Technologies GmbH

                      Staakener Str. 53-63

                      D 13581 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR              2,350.00

                      Registered

                      on:         20.10.2000

                      Reg. data:  14057 Berlin, HRB 77429 B

 Manager:

                      Gut Baßdorf Verwaltungsgesellschaft mbH

                      Staakener Str. 23

                      D 13581 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.60

                      Registered

                      on:         25.04.2001

                      Reg. data:  14057 Berlin, HRB 79818 B

 Manager:

                      Matterhorn Industriebeteiligungs GmbH

                      Staakener Str. 53-63

                      D 13581 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         24.01.2000

                      Reg. data:  14057 Berlin, HRB 73775 B

 

 Further functions/participations of Andreas Felix Paul von

 Bismarck (Manager)

 

 Shareholder:

                      Ilignus Industriebeteiligungs GmbH

                      Staakener Str. 23

                      D 13581 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR             37,500.00

                      Share:             EUR             37,500.00

                      Registered

                      on:         05.11.2013

                      Reg. data:  14057 Berlin, HRB 153825 B

 Shareholder:

                      BTI Banking Technologies GmbH

                      Staakener Str. 53-63

                      D 13581 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR              2,300.00

                      Registered

                      on:         20.10.2000

                      Reg. data:  14057 Berlin, HRB 77429 B

 Manager:

                      Ilignus Industriebeteiligungs GmbH

                      Staakener Str. 23

                      D 13581 Berlin

                      Legal form: Private limited company

                      Share capital:     EUR             37,500.00

                      Registered

                      on:         05.11.2013

                      Reg. data:  14057 Berlin, HRB 153825 B

 

 

 COMPANY HISTORY

 

 15.09.2000 - 21.04.2006  baled Zweiunddreissigste

                          Vermögensverwaltungs GmbH

                          Matterhornstr. 44

                          D 14129 Berlin

                          Private limited company

 22.04.2006 - 13.06.2006  baled Zweiunddreissigste

                          Vermögensverwaltungs GmbH (AG Berlin,

                          HRB 77430)

                          Staakener Str. 23

                          D 13581 Berlin

                          Private limited company

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 2894    Manufacture of machinery for textile, apparel and leather

 production

 

 Secondary industrial sector

 4664    Wholesale of machinery for the textile industry and of

 sewing and knitting machines

 

 


FINANCIAL INFORMATION

 

Payment experience:  without complaints

 

 Negative information:We have no negative information at hand.

 

 Balance sheet year:  2014

 

 

 PMI:                 No significant / relevant payment experience

                      information pertaining to the company

                      inquired upon is shown in the Deutscher

                      Debitoren Monitor (DDMonitor).

 

 

 REAL ESTATE

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Paul-Gruner-Str. 72b

                      D 09120 Chemnitz

 Type of real estate: office building

 Size:                  5,170.00 sq.m

 Residential floor      6,840.00 sq.m

 space/ Usable floor

 space:

 

 Real Estate of:      Peter Schüring

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Limastr. 26

                      D 14163 Berlin

 

 Land register documents were not available.

 

 

 BANKERS

 

 SPARKASSE CHEMNITZ, 09009 CHEMNITZ, SACHS

 Sort. code: 87050000, Account no.: 3140005937

 BIC: CHEKDE81XXX, IBAN: DE06870500003140005937

 DEUTSCHE BANK, 09003 CHEMNITZ, SACHS

 Sort. code: 87070000, Account no.: 199004300

 BIC: DEUTDE8CXXX, IBAN: DE19870700000199004300

 COMMERZBANK VORMALS DRESDNER BANK, 09008 CHEMNITZ, SACHS

 Sort. code: 87080000, Account no.: 607705500

 BIC: DRESDEFF870, IBAN: DE73870800000607705500

 

 

 FINANCIAL FIGURES

 

 Turnover:            2013               EUR         35,070,109.00

                      2014               EUR         37,937,118.00

 Expected turnover:                      EUR         38,000,000.00

 Profit:              2013               EUR          1,030,641.00

                      2014               EUR          1,002,401.00

 further business figures:

 Equipment:                              EUR            522,698.00

 Ac/ts receivable:                       EUR          5,155,237.00

 Liabilities:                            EUR          8,199,814.00

 Employees:                                                    213

 - thereof permanent staff:                                    191

 - Trainees:                                                   167

 - Temporary workers:                                            5

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2014 - 31.12.2014

 Equity ratio [%]:                 20.99

 Liquidity ratio:                   0.65

 Return on total capital [%]:       5.55

 

 Balance sheet ratios 01.01.2013 - 31.12.2013

 Equity ratio [%]:                 24.98

 Liquidity ratio:                   0.79

 Return on total capital [%]:       6.20

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 24.37

 Liquidity ratio:                   0.68

 Return on total capital [%]:       2.20

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 20.52

 Liquidity ratio:                   0.44

 Return on total capital [%]:       4.87

 

 Equity ratio

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 Liquidity ratio

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 Return on total capital

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

 

 Type of balance

 sheet:               Company balance sheet

 Origin of the present

 balance sheet:       self-disclosure

 

 Financial year:      01.01.2014 - 31.12.2014

 

 ASSETS                                  EUR         18,285,308.15

  Fixed assets                           EUR          4,694,143.36

   Intangible assets                     EUR            647,463.27

    Concessions, licences, rights        EUR            264,800.00

    Goodwill                             EUR            213,890.00

    Advance payments for intang. assets  EUR            168,773.27

   Tangible assets                       EUR          3,422,508.41

    Land / similar rights                EUR            690,786.41

    Plant / machinery                    EUR          2,209,024.00

    Other tangible assets / fixtures and

    fittings                             EUR            522,698.00

   Financial assets                      EUR            624,171.68

    Shares in participations /

    subsidiaries and the like            EUR            624,171.68

     Shares in related companies         EUR            624,171.68

  Current assets                         EUR         13,426,092.41

   Stocks                                EUR          8,033,997.47

    Raw materials, consumables and

    supplies                             EUR          3,680,900.00

    Finished goods / work in progress    EUR          4,765,500.00

    Advance payments made                EUR            361,642.27

    Minus received advance payments for

    orders / installments for stocks     EUR           -774,044.80

   Accounts receivable                   EUR          5,155,237.49

    Trade debtors                        EUR          3,300,126.84

    Amounts due from related companies   EUR          1,168,686.99

    Other debtors and assets             EUR            686,423.66

   Liquid means                          EUR            236,857.45

  Remaining other assets                 EUR            165,072.38

   Accruals (assets)                     EUR            165,072.38

 

 LIABILITIES                             EUR         18,285,308.15

  Shareholders' equity                   EUR          3,730,580.03

   Capital                               EUR          1,300,000.00

    Subscribed capital (share capital)   EUR          1,300,000.00

   Balance sheet profit/loss (+/-)       EUR          2,430,580.03

    Profit / loss brought forward        EUR          1,428,179.34

    Annual surplus / annual deficit      EUR          1,002,400.69

  Items between shareholders' equity and

  debt capital                           EUR          3,214,212.84

   Allowances / bonuses                  EUR            489,212.84

   Mezzanine financing                   EUR          2,725,000.00

    Contributions of silent partners     EUR          1,325,000.00

    Subordinated loans                   EUR          1,400,000.00

  Provisions                             EUR          3,022,298.17

   Provisions for taxes                  EUR            673,737.47

   Other / unspecified provisions        EUR          2,348,560.70

  Liabilities                            EUR          8,199,813.73

   Financial debts                       EUR          6,205,983.97

    Liabilities due to banks             EUR          6,205,983.97

   Other liabilities                     EUR          1,993,829.76

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          1,395,154.73

    Liabilities due to shareholders      EUR             32,076.24

    Unspecified other liabilities        EUR            566,598.79

     thereof liabilities from tax /

     financial authorities               EUR                  0.00

     thereof liabilities from social

     security                            EUR                  0.00

  Other liabilities                      EUR            118,403.38

   Deferrals (liabilities)               EUR            118,403.38

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

 

  Sales                                  EUR         37,937,117.65

  Inventory change + own costs (+/-)     EUR            964,000.00

   Inventory change (+/-)                EUR            964,000.00

  Other operating income                 EUR            968,279.34

  Cost of materials                      EUR         23,082,149.40

   Raw materials and supplies, purchased

   goods                                 EUR         22,007,791.81

   Purchased services                    EUR          1,074,357.59

  Gross result (+/-)                     EUR         16,787,247.59

  Staff expenses                         EUR          8,501,649.61

   Wages and salaries                    EUR          7,181,971.46

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          1,319,678.15

  Total depreciation                     EUR            588,456.82

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            588,456.82

  Other operating expenses               EUR          5,764,700.91

  Operating result from continuing

  operations                             EUR          1,932,440.25

  Interest result (+/-)                  EUR           -408,358.40

   Interest and similar income           EUR            124,626.28

   Interest and similar expenses         EUR            532,984.68

  Financial result (+/-)                 EUR           -408,358.40

  Result from ordinary operations (+/-)  EUR          1,524,081.85

  Income tax / refund of income tax (+/-)EUR           -491,857.76

  Other taxes / refund of taxes          EUR            -29,823.40

  Tax (+/-)                              EUR           -521,681.16

  Annual surplus / annual deficit        EUR          1,002,400.69

 

 Type of balance

 sheet:               Company balance sheet

 Origin of the present

 balance sheet:       self-disclosure

 

 Financial year:      01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR         16,865,521.14

  Fixed assets                           EUR          4,174,856.35

   Intangible assets                     EUR            524,849.32

    Concessions, licences, rights        EUR            217,705.00

    Goodwill                             EUR            247,223.00

    Advance payments for intang. assets  EUR             59,921.32

   Tangible assets                       EUR          3,545,970.41

    Land / similar rights                EUR            709,710.41

    Plant / machinery                    EUR          2,331,432.00

    Other tangible assets / fixtures and

    fittings                             EUR            493,383.00

    Advance payments made / construction

    in progress                          EUR             11,445.00

   Financial assets                      EUR            104,036.62

    Shares in participations /

    subsidiaries and the like            EUR            104,036.62

     Shares in related companies         EUR            104,036.62

  Current assets                         EUR         12,527,764.37

   Stocks                                EUR          5,697,478.46

    Raw materials, consumables and

    supplies                             EUR          3,673,100.00

    Finished goods / work in progress    EUR          3,547,300.00

    Minus received advance payments for

    orders / installments for stocks     EUR         -1,522,921.54

   Accounts receivable                   EUR          6,765,171.22

    Trade debtors                        EUR          5,490,879.88

    Amounts due from related companies   EUR             21,195.30

    Other debtors and assets             EUR          1,253,096.04

   Liquid means                          EUR             65,114.69

  Remaining other assets                 EUR            162,900.42

   Accruals (assets)                     EUR            162,900.42

 

 LIABILITIES                             EUR         16,865,521.14

  Shareholders' equity                   EUR          2,728,179.34

   Capital                               EUR          1,300,000.00

    Subscribed capital (share capital)   EUR          1,300,000.00

   Balance sheet profit/loss (+/-)       EUR          1,428,179.34

    Profit / loss brought forward        EUR            397,538.12

    Annual surplus / annual deficit      EUR          1,030,641.22

  Items between shareholders' equity and

  debt capital                           EUR          2,938,000.00

   Allowances / bonuses                  EUR            538,000.00

   Mezzanine financing                   EUR          2,400,000.00

    Contributions of silent partners     EUR          1,000,000.00

    Shareholder loans similar to capital EUR          1,400,000.00

  Provisions                             EUR          2,424,732.37

   Provisions for taxes                  EUR            327,543.00

   Other / unspecified provisions        EUR          2,097,189.37

  Liabilities                            EUR          8,684,216.59

   Financial debts                       EUR          6,457,939.40

    Liabilities due to banks             EUR          6,457,939.40

   Other liabilities                     EUR          2,226,277.19

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          1,507,489.08

    Liabilities due to shareholders      EUR              2,079.72

    Unspecified other liabilities        EUR            716,708.39

     thereof liabilities from tax /

     financial authorities               EUR                  0.00

     thereof liabilities from social

     security                            EUR              1,608.44

  Other liabilities                      EUR             90,392.84

   Deferrals (liabilities)               EUR             86,892.84

   Deferred taxes (not included under

   provisions/liabilities)               EUR              3,500.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

 

  Sales                                  EUR         35,070,109.33

  Inventory change + own costs (+/-)     EUR            958,879.46

   Inventory change (+/-)                EUR            949,900.00

   Capitalised own costs                 EUR              8,979.46

  Other operating income                 EUR            686,391.32

  Cost of materials                      EUR         21,768,610.50

   Raw materials and supplies, purchased

   goods                                 EUR         20,895,391.82

   Purchased services                    EUR            873,218.68

  Gross result (+/-)                     EUR         14,946,769.61

  Staff expenses                         EUR          7,948,567.67

   Wages and salaries                    EUR          6,728,202.96

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          1,220,364.71

  Total depreciation                     EUR            438,598.73

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            438,598.73

  Other operating expenses               EUR          4,633,954.84

  Operating result from continuing

  operations                             EUR          1,925,648.37

  Interest result (+/-)                  EUR           -407,758.22

   Interest and similar income           EUR             69,349.84

   Interest and similar expenses         EUR            477,108.06

  Financial result (+/-)                 EUR           -407,758.22

  Result from ordinary operations (+/-)  EUR          1,517,890.15

  Income tax / refund of income tax (+/-)EUR           -462,299.50

  Other taxes / refund of taxes          EUR            -24,949.43

  Tax (+/-)                              EUR           -487,248.93

  Annual surplus / annual deficit        EUR          1,030,641.22


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.35

UK Pound

1

Rs.100.66

Euro

1

Rs.70.47

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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

 

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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.