MIRA INFORM REPORT

 

 

Report No. :

344326

Report Date :

07.10.2015

 

IDENTIFICATION DETAILS

 

Name :

GLORIOUS GEMS BVBA 

 

 

Registered Office :

Hoveniersstraat  30-Bus  223, 2018 Antwerpen

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

28.10.1997

 

 

Legal Form :

Private  Limited  Company

 

 

Line of Business :

Subject is engaged in Wholesale of Diamonds and Other Precious Stones

 

 

No. of Employee :

1

 

 

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)

Belgium

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

BELGIUM - ECONOMIC OVERVIEW

 

This modern, open, and private-enterprise-based economy has capitalized on its central geographic location, highly developed transport network, and diversified industrial and commercial base. Industry is concentrated mainly in the more heavily-populated region of Flanders in the north. With few natural resources, Belgium imports substantial quantities of raw materials and exports a large volume of manufactures, making its economy vulnerable to shifts in foreign demand, particularly in Belgium’s EU trade partners. Roughly three-quarters of Belgium's trade is with other EU countries. In 2014 Belgian GDP grew by 0.9%, the unemployment rate stabilized at 8.5%, and the the budget deficit was 3.2% of GDP. Prime Minister Charles MICHEL’s center-right government has pledged to further reduce the deficit in response to EU pressure to reduce Belgium’s high public debt, which remains above 100% of GDP, but such efforts could also dampen economic growth. In addition to restrained public spending, low wage growth and high unemployment promise to curtail a more robust recovery in private consumption. The government has pledged to pursue an reform program to improve Belgium’s competitiveness, including changes to tax policy, labor market rules, and welfare benefits. These changes risk worsening tensions with trade unions and triggering extended strikes.

 

Source : CIA


Company name

 

GLORIOUS  GEMS  BVBA 

 

 

Company summary

 

Business  number

461869854

Company  name

GLORIOUS  GEMS  BVBA

Address

HOVENIERSSTRAAT  30-BUS  223

 

2018 ANTWERPEN

Number  of  staff

1

Date  of  establishment

28/10/1997

Telephone  number

032317406

Fax  number

032317406

 

 

Commentary

 

The  business  was  established  over  17  years  ago.

The  business  has  1  employees.

The  business  has  been  at  the  address  for  over  10  years.

Operating  Result  in  the  latest  trading  period  increased  27%  on  the  previous  trading  period.

A  28%  growth  in  Total  Assets  occurred  during  the  latest  trading  period.

The  business  saw  a  decrease  in  their  Cash  Balance  of  77%  during  the  latest  trading  period.

Turnover  in  the  latest  trading  period  increased  34%  on  the  previous  trading  period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2014

270,010,823

623,034

19,357,439

25,602,493

31/12/2013

201,110,303

530,553

16,577,657

22,078,056

31/12/2012

189,980,545

474,914

16,884,211

20,946,659

Accounts

 

 

 

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2014

94,948,470

1

16,754,495

588,796

31/12/2013

74,149,165

1

14,750,709

475,676

31/12/2012

72,252,277

1

15,417,960

468,182

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

35.43

Industry  average  payment

107.71

Industry  average  day  sales

171.70

expectation  days

 

outstanding

 

Day  sales  outstanding

110.99

 

 

 

 

Court data summary

 

BANKRUPTCY DETAILS

Court  action  type

no

 

PROTESTED BILLS

Bill  amount

-

 

NSSO DETAILS

Date  of  summons

-

 

 

Company information

 

Business  number

461869854

Company  name

GLORIOUS  GEMS  BVBA

Fax  number

032317406

Date  founded

28/10/1997

Company  status

active

Company  type

Private  Limited  Company

 

 

 

(BL/LX)

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2014

Activity  code

46761

Liable  for  VAT

yes

Activity  description

Wholesale  of  diamonds  and

VAT  Number

BE.0461.869.854  Check  VAT

 

other  precious  stones

 

number

Belgian  Bullettin  of  Acts Publications

moniteur  belge

 

 

 

 

Contractor details

 

Registered  contractor number

-

Contractor  description

-

Date  struck  off  register

 

Personnel  (NSSO  classification)

Code

-

Description

-

 

 

Joint Industrial Committee (JIC)

 

Significant Events

Event  Date

29/03/2012

Event  Description

 

Event  Details

Mangukiya Rahul  schrijft  in  op  de  1480  nieuwe  aandelen.

 

 

Company accounts

 

Assets

 

 

 

 

 

 

 

 

 

Annual  accounts

31-12-2014

%

31-12-2013

%

31-12-2012

%

31-12-2011

%

31-12-2010

Weeks

52

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

547,929

5.31

520,280

-12.39

593,841

4.60

567,752

5.00

540,700

Intangible  fixed  assets

0

-

0

-

0

-

0

-

0

Tangible  fixed  assets

547,352

5.31

519,773

-12.39

593,311

4.53

567,614

5.00

540,566

Land  &  building

471,691

8.49

434,779

-9.50

480,404

-5.77

509,820

-1.47

517,433

Plant  &  machinery

4,857

-33.16

7,267

-26.83

9,932

-20.61

12,510

-13.25

14,420

Furniture  &  Vehicles

70,804

-8.91

77,726

-24.52

102,975

127

45,283

419

8,712

Leasing  &  Other  Similar  Rights

-

-

-

-

-

-

-

-

-

Other  tangible  assets

0

-100

1

-

0

-100

1

0

1

Financial  fixed  assets

577

13.58

508

-4.33

531

284

138

2.99

134

Total  current  assets

94,400,541

28.21

73,628,885

2.75

71,658,436

2.01

70,249,439

86.07

37,754,017

Inventories

12,110,125

26.21

9,595,024

-12.04

10,908,214

-50.70

22,127,095

84.53

11,990,759

Raw  materials  &  consumables

-

-

-

-

-

-

-

-

-

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

12,110,125

26.21

9,595,024

-12.04

10,908,214

-50.70

22,127,095

84.53

11,990,759

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

82,106,534

29.63

63,336,988

4.80

60,434,121

26.58

47,743,116

92.73

24,771,514

Other  amounts  receivable

29,859

431

5,614

1.28

5,543

72.46

3,214

-38.99

5,268

Cash

153,612

-77.69

688,514

123

307,600

-17.57

373,148

-62.17

986,477

Miscellaneous  current  assets

411

-85.03

2,745

-7.17

2,957

3.18

2,866

286600

-1

Total  Assets

94,948,470

28.05

74,149,165

2.63

72,252,277

2.03

70,817,191

84.93

38,294,717

 

 

Liabilities

 

Total  shareholders  equity

19,357,439

16.77

16,577,657

-1.82

16,884,211

31.01

12,888,166

5.97

12,162,116

Issued  share  capital

16,754,495

13.58

14,750,709

-4.33

15,417,960

30.38

11,825,370

3.27

11,450,520

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

-

-

-

-

-

-

-

-

-

Reserves

2,602,944

42.47

1,826,948

24.60

1,466,251

37.96

1,062,796

49.35

711,596

Provisions  for  Liabilities  &  Charges

0

-

0

-

0

-

0

-

0

Deffered  taxes

-

-

-

-

-

-

-

-

-

Creditors

75,591,031

31.30

57,571,508

3.98

55,368,065

-4.42

57,929,025

121

26,132,601

Other  long  term  loans

6,792,983

12.83

6,020,679

29.30

4,656,288

214

1,480,258

0.83

1,468,020

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-100

1

-

0

-

0

Total  long  term  debts

6,792,983

12.83

6,020,679

29.30

4,656,289

214

1,480,258

0.83

1,468,020

Current  portion  of  long  term  debt

40,606

18.47

34,275

-8.79

37,577

4.91

35,819

4.13

34,399

Financial  debts

42,342,822

13.92

37,167,876

8.91

34,127,770

31.39

25,974,041

131

11,227,100

Trade  creditors

25,938,639

85.13

14,011,252

-13.03

16,109,518

-38.77

26,311,628

98.17

13,277,189

Amounts  Payable  for  Taxes,

147,621

23.02

119,995

44.79

82,875

72.44

48,061

91.86

25,050

Remuneration  &  Social  Security

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

328,360

51.02

217,431

-38.59

354,037

-91.32

4,079,218

3945

100,843

Total  current  liabilities

68,798,048

33.46

51,550,829

1.65

50,711,777

-10.16

56,448,767

128

24,664,581

Total  Liabilities

94,948,470

28.05

74,149,165

2.63

72,252,277

2.03

70,817,191

84.93

38,294,717

 

 

ratio  analysis

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

0.23

-11.54

0.26

4.00

0.25

38.89

0.18

-5.26

0.19

Return  on  capital  employed

2.38

1.28

2.35

6.82

2.20

-20.29

2.76

20.52

2.29

Return  on  total  assets  employed

0.66

-8.33

0.72

9.09

0.66

17.86

0.56

-30.86

0.81

Return  on  net  assets  employed

3.22

0.62

3.20

13.88

2.81

-8.77

3.08

20.31

2.56

Sales  /  net  working  capital

10.55

15.81

9.11

0.44

9.07

-42.52

15.78

26.54

12.47

Stock  turnover  ratio

4.49

-5.87

4.77

-16.90

5.74

-43.50

10.16

38.23

7.35

Creditor  days

35.43

37.81

25.71

-17.81

31.28

-29.64

44.46

48.55

29.93

Debtor  days

110.99

-3.44

114.95

-1.00

116.11

45.14

80.00

44.43

55.39

SHORT  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Current  ratio

1.37

-4.20

1.43

1.42

1.41

13.71

1.24

-18.95

1.53

Liquidity  ratio  /  acid  ratio

1.20

-3.23

1.24

3.33

1.20

41.18

0.85

-18.27

1.04

Current  debt  ratio

3.55

14.15

3.11

3.67

3.00

-31.51

4.38

115

2.03

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

588,796

23.78

475,676

1.60

468,182

27.56

367,015

19.19

307,932

Net  worth

19,357,439

16.77

16,577,657

-1.82

16,884,211

31.01

12,888,166

5.97

12,162,116

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Gearing

254.04

-2.57

260.73

13.40

229.93

7.80

213.30

103

104.67

Equity  in  percentage

20.39

-8.81

22.36

-4.32

23.37

28.41

18.20

-42.70

31.76

Total  debt  ratio

3.91

12.68

3.47

5.79

3.28

-26.95

4.49

108

2.15

Working  capital

25,602,493

15.96

22,078,056

5.40

20,946,659

51.78

13,800,672

5.43

13,089,436

 

 

 

Profit  &  loss

 

 

 

 

 

 

 

 

 

Operating  Income

270,010,950

34.26

201,110,419

5.86

189,985,095

-12.78

217,817,974

33.43

163,243,559

Turnover

270,010,823

34.26

201,110,303

5.86

189,980,545

-12.78

217,816,241

33.43

163,241,267

Total  operating  expenses

267,183,657

34.34

198,890,688

5.82

187,951,572

-12.99

216,011,887

33.43

161,891,674

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

267,183,784

34.34

198,890,803

5.82

187,956,121

-12.99

216,013,620

33.43

161,893,965

Employee  costs

56,745

13.42

50,033

1.45

49,320

-34.79

75,638

34.27

56,334

Wages  and  salary

46,668

14.13

40,892

1.71

40,205

-35.80

62,625

29.91

48,205

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security  contributions

9,347

9.85

8,509

3.40

8,229

-34.30

12,525

59.74

7,841

Other  employee  costs

731

15.85

631

-28.78

886

81.56

488

69.44

288

Director  remuneration

187,763

0.29

187,227

84.77

101,331

-2.55

103,981

-

-

Amortization  and

60,979

18.35

51,524

16.83

44,101

12.76

39,110

24.57

31,396

depreciation

 

 

 

 

 

 

 

 

 

Operating  result

2,827,166

27.37

2,219,615

9.40

2,028,973

12.45

1,804,354

33.70

1,349,593

Total  financial  income

311

-96.90

10,032

25623

39

-72.73

143

257

40

Total  financial  expenses

2,204,444

29.74

1,699,093

9.33

1,554,098

10.39

1,407,799

35.61

1,038,153

Results  on  ordinary

623,034

17.43

530,553

11.72

474,914

19.72

396,698

27.36

311,480

operations  before  taxation

 

 

 

 

 

 

 

 

 

Extraordinary  Income

-

-

-

-

-

-

-

-

-

Extraordinary  Charges

-

-

-

-

-

-

-

-

-

Extraordinary  items

0

-

0

-

0

-

0

-

0

Results  for  the  Year  Before

623,034

17.43

530,553

11.72

474,914

19.72

396,698

27.36

311,480

Taxation

 

 

 

 

 

 

 

 

 

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

95,216

-10.51

106,401

109

50,832

-26.11

68,793

96.87

34,944

Results  on  ordinary

527,818

24.44

424,152

0.02

424,082

29.33

327,905

18.58

276,536

operations  after  taxation

 

 

 

 

 

 

 

 

 

Net  result

527,817

24.44

424,152

0.02

424,081

29.33

327,905

18.58

276,536

Profit  (Loss)  for  the  Year  to

be  appropiated

527,817

24.44

424,152

0.02

424,081

29.33

327,905

18.58

276,536

 

 


Social Balance Sheet Details

 

Social Balance Sheet Details

 

Social  Balance  Sheet

 

Total

 

During  the  reporting  year

 

 

 

ended  31-12-2014

 

 

 

Full-time  Employees

 

-

 

Part-time  Employees

 

2

 

Total  Fte  Employees

 

2

 

Number  of  hours  worked

 

 

 

Full-time  Employees

 

-

 

Part-time  Employees

 

2,541

 

Total

 

2,541

 

Personnel  Charges

 

 

 

Full-time  Employees

 

-

 

Part-time  Employees

 

56,746

 

Total

 

56,746

 

Benefits  In  Addition  To  Wages

 

-

 

During  the  previous  reporting  year

 

 

 

Average  number  employees  in  Fte

 

2

 

Actual  working  hours

 

2,541

 

Personnel  Charges

 

50,033

 

Benefits  In  Addition  To  Wages

 

-

 

 

 

 

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

-

2

2

Contracts

 

 

 

Limited  Duration  Contracts

-

-

-

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding

-

-

-

Substitution

 

 

 

Gender  and  Education

 

 

 

Level

 

 

 

Men

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

-

1

1

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

-

1

1

Secondairy  education

-

-

-

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

-

2

2

Blue  collar  worker

-

-

-

Other

-

-

-

Temporary  personnel

 

Total

 

Average  number  of  temporary  staff

 

-

 

Actual  working  hours

 

-

 

Cost  of  temporary  staff

 

-

 

New  staff  and  leavers

Full-Time

Part-Time

Total  Fte

New  Starters

-

-

-

Leavers

-

-

-

 

 

Industry  comparison

 

 

Activity  code

46761

 

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

 

 

 

Payment Information

 

Suspension  of  payments /  moratorium  history

Amount

-

Details

-

Payment  expectations

Payment  expectation  days

35.43

Day  sales  outstanding

110.99

 

Industry comparison

 

Activity  code

46761

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

Industry  average  payment

107.71

expectation  days

 

Industry  average  day  sales

171.70

outstanding

 

 

Industry  quartile  analysis

 

Payment  expectations

 

Company  result

35.43

Lower

120.34

Median

75.64

Upper

45.73

 

 

Day  sales  outstanding

 

Company  result

110.99

Lower

102.84

Median

55.21

Upper

25.50

 

 

Shareholder Details

 

Summary

 

Group  -  Number  of  Companies

0

Linkages  -  Number  of  Companies

0

Number  of  Countries

0

 

Group Structure

No group  structure  for  this  company.

 

Minority  Shareholders

No minority  shareholders  found

 

Minority Interests

No minority interests  found

 

Individual Shareholders

 

SHAREHOLDER NAME

 

Forename

Mayurkumar

Middle  name

-

Surname

Mangukiya

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

06/01/2010(estimated)

End  date

-

Percentage  owned

-

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Quinten  Matsijslei

House  number

49A

Minor  town

-

Postal  town

Antwerpen

Post  code

2018

Country

Belgium

SHAREHOLDER  NAME

 

 

 

Forename

Kishor

Middle  name

-

Surname

Kakadia

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

06/01/2010(estimated)

End  date

-

Percentage  owned

-

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Van  Eycklei

House  number

24

Minor  town

-

Postal  town

Antwerpen

Post  code

2018

Country

Belgium

SHAREHOLDER  NAME

 

 

 

Forename

Rahul

Middle  name

-

Surname

Mangukiya

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

05/07/2012(estimated)

End  date

-

Percentage  owned

-

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

-

House  number

-

Minor  town

-

Postal  town

-

Post  code

-

Country

India

 

Companies  that  match  this  address

no  Companies  Match  this  address

 

 

Linked Companies

 

Summary

 

Group  -  Number  of  Companies

0

Linkages  -  Number  of  Companies

0

Number  of  Countries

0

 

Summons

there  is  no  data  for  this  company

 

Protested  Bills

there  is  no  data  for  this  company

 

Bankruptcy  and  other  legal  events

there  is  no  data  for  this  company

 

 

Director details

 

Current Director Details

 

Position

Principal  Manager

Start  Date

28/09/2004

Street

49 QUINTEN  MATSIJSLEI  ANTWERPEN

Post  code

2018

Country

Belgium

Name

MAYURKUMAR  MANUBHAI  MANGUKIYA

Name

KISHOR  KANJIBHAI  KAKADIA

Position

Principal  Manager

Start  Date

23/06/2004

Date  of  birth

28/05/1976

Street

24 VAN  EYCKLEI  ANTWERPEN

Post  code

2018

Country

Belgium

 

 

DIAMOND INDUSTRY – INDIA

 

-            From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-            The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-            The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-            Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-            Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-            Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-            Excerpts from Times of India dated 30th October 2010 is as under –

 

-            Gem & Jewellery Export Promotion Council in its statistical data has shown the export of polished diamonds to have increase by 28 % in February 2013. Compared to $ 1.4 bn worth of polished diamond export in February, 2012, India exported $ 1.84 billion worth of polished diamonds in February 2013. A senior executive of GJEPC said, “Export of cut and polished diamonds started falling month-wise after the imposition of 2 % of import duty on the polished diamonds. But February, 2013 has given a new ray of hope to the industry as the export of polished diamonds has actually increased by 28 %. It means the industry  is on the track of recovery and round tripping of diamonds has stopped completely.” Demand has started coming from the US, the UK, Japan and China. India’s polished diamond export is expected to cross $ 21 bn in 2013-14.

 

-            The banking sector has started exercising restraint while following prudent risk management norms when lending money to gems and jewellery sector. This follows the implementation of Basel III accord – a global voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.39

UK Pound

1

Rs.99.05

Euro

1

Rs.73.19

 

INFORMATION DETAILS

 

Analysis Done by :

TRI

 

 

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.