MIRA INFORM REPORT
|
Report No. : |
343702 |
|
Report Date : |
09.10.2015 |
IDENTIFICATION DETAILS
|
Name : |
DIPHARMA FRANCIS S.R.L. |
|
|
|
|
Registered Office : |
Via Bissone, 5 Baranzate Di Bollate, 20021 – Bara, nzate (MI) |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2014 |
|
|
|
|
Date of Incorporation : |
09.02.1990 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
|
|
|
|
|
No. of Employee : |
From 251 to 500 |
RATING & COMMENTS
|
MIRA’s Rating : |
B |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Maximum Credit Limit : |
250.000 Euro |
|
|
|
|
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 |
Company
name and address
DIPHARMA FRANCIS S.R.L.
Via Bissone, 5 Baranzate Di Bollate,
20021 – Bara,
nzate (MI) -IT-
Summary
|
Fiscal Code |
: |
09971080156 |
|
Legal Form |
: |
Limited liability company |
|
start of Activities |
: |
09/02/1990 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
75.000.000/100.000.000 |
|
Number of Employees |
: |
from 251 to 500 |
Credit
|
Credit Opinion |
: |
250.000 Eur. |
Activity
- MANUFACTURE OF CHEMICALS AND CHEMICAL
PRODUCTS
- MANUFACTURE OF PHARMACEUTICAL-BASED
PRODUCTS AND PHARMACEUTICAL PREPARATIONS
- WHOLESALE OF MEDICINES
Legal
Data
Legal Form : Limited liability company
|
Fiscal Code : 09971080156 |
|
Foreign Trade Reg. no. : MI231247 since 14/09/1995 |
|
Foreign Trade Reg. no. : 231247 of Milano since 14/09/1995 |
|
Chamber of Commerce no. : 1333386 of Milano since 04/04/1990 |
|
Chamber of Commerce no. : 257930 of Udine |
|
Chamber of Commerce no. : 245000 of Varese |
|
Firms' Register : MI146-303121 of Milano since 19/02/1996 |
|
V.A.T. Code : 09971080156 |
|
Tribunal Co. Register : 303121 of |
|
Foundation date |
: 09/02/1990 |
|
Establishment date |
: 09/02/1990 |
|
Start of Activities |
: 09/02/1990 |
|
Legal duration |
: 31/12/2050 |
|
Nominal Capital |
: 8.400.000 |
|
Subscribed Capital |
: 8.400.000 |
|
Paid up Capital |
: 8.400.000 |
|
Legal mail : |
DIPHARMA@PEC.IT |
Members
|
Biazzi |
Barbara |
|
Born in Milano |
(MI) |
on 24/03/1940 |
- Fiscal Code : BZZBBR40C64F205O |
|
Residence: |
Bissone |
, 5 |
- 20021 |
Baranzate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
11/06/2015 |
||
|
Board Chairman |
11/06/2015 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Polastro |
Enrico |
|
Born in Novara |
(NO) |
on 07/07/1954 |
- Fiscal Code : PLSNRC54L07F952T |
|
Residence: |
Bissone |
, 5 |
- 20021 |
Baranzate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
11/06/2015 |
|
Bona |
Roberto |
|
Born in Millesimo |
(SV) |
on 16/01/1960 |
- Fiscal Code : BNORRT60A16F213O |
|
Residence: |
Europa |
, 45 |
- 24050 |
Grassobbio |
(BG) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
08/06/2009 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Favaron |
Lodia |
|
Born in Cavarzere |
(VE) |
on 20/07/1948 |
- Fiscal Code : FVRLDO48L60C383W |
|
Residence: |
Leonardo Da Vinci |
, 21/B |
- 20092 |
Cinisello Balsamo |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
22/12/2006 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Furin |
Sabrina |
|
Born in Padova |
(PD) |
on 06/07/1970 |
- Fiscal Code : FRNSRN70L46G224V |
|
Residence: |
Francesco Petrarca |
, 7/E |
- 21047 |
Saronno |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
31/03/2015 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Conte |
Daniela |
|
Born in Milano |
(MI) |
on 16/06/1968 |
- Fiscal Code : CNTDNL68H56F205T |
|
Residence: |
Puricelli Gian Pietro |
, 11 |
- 20147 |
Milano |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
22/12/2006 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Comes |
Massimo |
|
Born in Monopoli |
(BA) |
on 05/03/1969 |
- Fiscal Code : CMSMSM69C05F376L |
|
Residence: |
Bissone |
, 5 |
- 20021 |
Baranzate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
22/01/2013 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Minardi |
Giovanni |
|
Born in Ferrara |
(FE) |
on 09/01/1948 |
- Fiscal Code : MNRGNN48A09D548A |
|
Residence: |
Camelie |
, 7 |
- 20095 |
Cusano Milanino |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
22/12/2006 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Cocchioni |
Monica Sonia |
|
Born in Legnano |
(MI) |
on 30/12/1973 |
- Fiscal Code : CCCMCS73T70E514M |
|
Residence: |
Fratelli Cairoli |
, 7 |
- 20027 |
Rescaldina |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
04/06/2007 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Brina |
Lorenzo |
|
Born in Milano |
(MI) |
on 24/09/1974 |
- Fiscal Code : BRNLNZ74P24F205V |
|
Residence: |
Arese Francesco |
, 20 |
- 20159 |
Milano |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
26/11/2007 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Moretuzzo |
Danilo |
|
Born in Mereto di Tomba |
(UD) |
on 27/05/1957 |
- Fiscal Code : MRTDNL57E27F144T |
|
Residence: |
Bertoli |
, 16 |
- 33036 |
Mereto di Tomba |
(UD) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
23/07/2013 |
|
No Protests registered |
|
Ballabio |
Massimo |
|
Born in Milano |
(MI) |
on 30/04/1955 |
- Fiscal Code : BLLMSM55D30F205Z |
|
Residence: |
Monte Bianco |
, 15 |
- 21042 |
Caronno Pertusella |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
22/12/2006 |
|
No Protests registered |
|
De Caro |
Michele |
|
Born in Trieste |
(TS) |
on 28/07/1963 |
- Fiscal Code : DCRMHL63L28L424B |
|
Residence: |
Fornelli Di Sotto |
, 33 |
- 33050 |
Torviscosa |
(UD) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/06/2010 |
|
No Protests registered |
|
Pini |
Lucilla |
|
Born in Caronno Pertusella |
(VA) |
on 02/04/1957 |
- Fiscal Code : PNILLL57D42B805A |
|
Residence: |
Donati |
, 15 |
- 21047 |
Saronno |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
22/12/2006 |
|
No Protests registered |
|
Nogueira |
Jorge Alberto |
|
Born in Buenos Aires |
( ) |
on 08/09/1950 |
- Fiscal Code : NGRJGL50P08Z600P |
|
Residence: |
Bissone |
, 5 |
- 20021 |
Baranzate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
11/06/2015 |
|
Geinoz |
Marc Olivier |
|
Born in Losanna |
( ) |
on 15/10/1971 |
- Fiscal Code : GNZMCL71R15Z133Y |
|
Residence: |
Bissone |
, 5 |
- 20021 |
Baranzate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
11/06/2015 |
||
|
Managing Director |
11/06/2015 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Mainini |
Stefano |
|
Born in Novara |
(NO) |
on 03/10/1960 |
- Fiscal Code : MNNSFN60R03F952F |
|
Residence: |
Turbigo Pernate |
, 115 |
- 28100 |
Novara |
(NO) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
08/03/2010 |
|
No Protests registered |
|
Oldrini |
Pierluigi |
|
Born in Gallarate |
(VA) |
on 14/08/1960 |
- Fiscal Code : LDRPLG60M14D869C |
|
Residence: |
Vittorio Veneto |
, 21 |
- 21050 |
Cairate |
(VA) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
07/04/2008 |
|
No Protests registered |
|
Scubla |
Tiziano |
|
Born in Udine |
(UD) |
on 05/08/1963 |
- Fiscal Code : SCBTZN63M05L483X |
|
Residence: |
Publio Bonanni |
, 32 |
- 33037 |
Pasian di Prato |
(UD) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
28/06/2010 |
|
No Protests registered |
|
Ercoli |
Mauro Angelo |
|
Born in Milano |
(MI) |
on 10/08/1972 |
- Fiscal Code : RCLMNG72M10F205K |
|
Residence: |
Istria |
, 2 |
- 20059 |
Vimercate |
(MB) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
23/07/2013 |
|
No Protests registered |
|
Beltrame |
Andrea |
|
Born in Udine |
(UD) |
on 09/07/1961 |
- Fiscal Code : BLTNDR61L09L483I |
|
Residence: |
Sottocolleverzan |
, 54 |
- 33017 |
Tarcento |
(UD) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
23/07/2013 |
|
No Protests registered |
|
Toniutti |
Nicoletta |
|
Born in Udine |
(UD) |
on 12/01/1970 |
- Fiscal Code : TNTNLT70A52L483K |
|
Residence: |
Colugna |
, 55/1 |
- 33100 |
Udine |
(UD) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
23/07/2013 |
|
No Protests registered |
|
Gradozzi |
Andrea Giovanni |
|
Born in Novi Ligure |
(AL) |
on 25/06/1966 |
- Fiscal Code : GRDNRG66H25F965I |
|
Residence: |
Bissone |
, 5 |
- 20021 |
Baranzate |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
17/10/2013 |
|
No Protests registered |
|
Razzetti |
Gabriele Simone |
|
Born in Sesto San Giovanni |
(MI) |
on 08/08/1970 |
- Fiscal Code : RZZGRL70M08I690M |
|
Residence: |
Giacomo Puccini |
, 60 |
- 20099 |
Sesto San Giovanni |
(MI) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
31/03/2015 |
|
No Protests registered |
|
Socorex Holding Sa |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Partner |
|
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.
|
Biazzi |
Barbara |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Dipharma S.p.a. |
Mereto di Tomba (UD) - IT - |
00158520304 |
Director |
Withdrawn |
Ceased |
|
Geinoz |
Marc Olivier |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Dipharma S.p.a. |
Mereto di Tomba (UD) - IT - |
00158520304 |
Managing
Director |
Withdrawn |
Ceased |
|
Dipharma S.p.a. |
Mereto di Tomba (UD) - IT - |
00158520304 |
Director |
Withdrawn |
Ceased |
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 |
|
Gerance Mifinco SpA |
80021510302 |
213.122 .Eur |
2,53 |
|
|
Rodighiero Andrea Giovanni |
RDGNRG69C12L483T |
95.718 .Eur |
1,13 |
|
|
Rodighiero Paola |
RDGPLA68C49L483D |
95.718 .Eur |
1,13 |
|
|
Geinoz Isaline |
Mereto di Tomba - IT - |
GNZSLN79E59Z133A |
2.100 .Eur |
0,02 |
|
Geinoz Marc Olivier |
Baranzate - IT - |
GNZMCL71R15Z133Y |
700.000 .Eur |
8,33 |
|
Socorex Holding Sa |
7.293.342 .Eur |
86,82 |
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 |
|
Bissone |
, 5 |
- 20021 |
- Baranzate |
(MI) |
- IT - |
|
PHONE |
: 02367111 |
|
Legal mail |
: DIPHARMA@PEC.IT |
|
Branch |
(Factory) |
since 01/11/1995 |
|
Origgio |
, 23 |
- 21042 |
- Caronno Pertusella |
(VA) |
- IT - |
|
PHONE |
: 02967111 |
|
PHONE |
: 0432866811 |
|
FAX |
: 0432865800 |
|
Branch |
(Factory) |
since 01/08/2005 |
|
Bissone |
, 5 |
- 20021 |
- Bollate |
(MI) |
- IT - |
|
PHONE |
: 0238201075 |
|
FAX |
: 0238201075 |
|
Branch |
(Factory) |
since 01/08/2005 |
|
Xxiv Maggio |
, 40 |
- 33036 |
- Mereto di Tomba |
(UD) |
- IT - |
|
Employees |
: 404 |
|
Fittings and Equipment for a value of 25.930.000 |
Eur |
|
Stocks for a value of 14.580.000 |
Eur |
Trade organization: direct or by agents.
Sales area on a national scale.
Import comes generally from the following nations:
|
- Germany |
|
- Great Britain |
|
- France |
Historical
Information and/or Firm's Status
COMPANY STYLE MODIFICATIONS:
|
Former Style |
New Style |
Changement Date |
|
Evode Italia S.p.A. |
Laporte Organics Francis S.p.A. |
26/10/1995 |
CEASINGS/INCORPORATIONS/MERGES:
|
The firm absorbed by merging of |
|
Dipharma S.p.a. |
|
Xxiv Maggio |
, 40 |
, 33036 |
, Mereto di Tomba |
(UD) |
- IT - |
|
Fiscal Code: 00158520304 |
|
Date |
: |
15/12/2006 |
|
The firm took over the activity of |
|
Dipharma S.p.a. |
|
Xxiv Maggio |
, 40 |
, 33036 |
, Mereto di Tomba |
(UD) |
- IT - |
|
Fiscal Code: 00158520304 |
|
Date |
: |
19/07/2005 |
|
Project of merging by taking over of |
|
Dipharma S.p.a. |
|
Xxiv Maggio |
, 40 |
, 33036 |
, Mereto di Tomba |
(UD) |
- IT - |
|
Fiscal Code: 00158520304 |
|
Date |
Merging/splitting-up project: |
25/07/2006 |
|
Project of merging by taking over of |
|
DIBILUX ITALIA S.R.L. |
|
, Baranzate |
- IT - |
|
Fiscal Code: 06377590960 |
|
Date |
Merging/splitting-up project: |
03/12/2008 |
|
The firm absorbed by merging of |
|
DIBILUX ITALIA S.R.L. |
|
, Baranzate |
- IT - |
|
Fiscal Code: 06377590960 |
|||
|
Date |
: |
31/03/2009 |
|
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.
Bankers
The firm operates with:
|
Bank Name |
Agency Name |
Address |
ZIP Code |
City |
ABI Code |
CAB Code |
|
INTESA SAN PAOLO PRIVATE BANKING SPA |
3239 |
0 |
Financial
and Economical Analysis
Subject is active since 1990
The eonomic-financial analysis is based on the latest 3 b/s.
During the last years the subject suffered net losses and in 2014 r.o.e.
is -4,56%.
A loss is registered as to the operating result (-2,31%).
the operating loss amounts to Eur. -2.151.109.
The G.O.M. amounted to Eur. 2.190.764 growing by more then 100% if
compared to the year before.
From a financial aspect the company's status covers total short-term
debts; the indebtedness volume in 2014 is in fact 0,36 which is yet rising if
compared to 2013.
It's shareholders funds amount to Eur. 56.248.103 , unchanged if
compared to 2013.
The financial management has recorded total debts amounting to Eur.
27.816.086, , showing an upward trend if compared to 2013.
Moderate recourse to bank credit while the exposure towards suppliers is
rather high however still within the sector's average.
It shows a good range of liquidity.
Accounts receivable average term is 67,29 days. , shorter than the sector's
average.
2014 financial year closed with a cash flow of Eur. 1.778.153
Labour cost expenses amount to Eur. 25.407.994 , representing 26,12% on
the total of production costs. , whereas the incidence on sales revenues is of
27,1%.
Financial incomes cover financial charges.
Financial
Data
|
Complete balance-sheet for the year |
al 31/12/2014 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
93.761.997 |
|
Profit (Loss) for the period |
-2.563.720 |
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
78.513.995 |
|
Profit (Loss) for the period |
-5.213.037 |
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
100.278.236 |
|
Profit (Loss) for the period |
-1.061.158 |
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 |
|
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|
|
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 |
0,47 |
0,51 |
0,44 |
0,24 |
|
Elasticity Ratio |
Units |
0,53 |
0,48 |
0,55 |
0,75 |
|
Availability of stock |
Units |
0,16 |
0,15 |
0,21 |
0,17 |
|
Total Liquidity Ratio |
Units |
0,37 |
0,33 |
0,35 |
0,53 |
|
Quick Ratio |
Units |
0,11 |
0,11 |
0,19 |
0,01 |
|
COMPOSITION ON
SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
0,36 |
0,21 |
0,21 |
1,43 |
|
Self Financing Ratio |
Units |
0,60 |
0,68 |
0,62 |
0,30 |
|
Capital protection Ratio |
Units |
0,90 |
0,95 |
0,89 |
0,68 |
|
Liabilities consolidation quotient |
Units |
0,09 |
0,19 |
0,12 |
0,23 |
|
Financing |
Units |
0,49 |
0,28 |
0,45 |
2,15 |
|
Permanent Indebtedness Ratio |
Units |
0,63 |
0,72 |
0,65 |
0,47 |
|
M/L term Debts Ratio |
Units |
0,03 |
0,04 |
0,03 |
0,12 |
|
Net Financial Indebtedness Ratio |
Units |
0,00 |
0,00 |
0,00 |
0,91 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
1,35 |
1,40 |
1,46 |
1,67 |
|
Current ratio |
Units |
1,76 |
2,54 |
2,01 |
1,35 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
1,24 |
1,73 |
1,27 |
1,06 |
|
Structure's primary quotient |
Units |
1,29 |
1,33 |
1,39 |
1,02 |
|
Treasury's primary quotient |
Units |
0,38 |
0,56 |
0,68 |
0,03 |
|
Rate of indebtedness ( Leverage ) |
% |
165,44 |
146,36 |
161,90 |
325,45 |
|
Current Capital ( net ) |
Value |
21.258.808 |
25.186.638 |
28.908.492 |
1.979.423 |
|
RETURN |
|||||
|
Return on Sales |
% |
1,90 |
-1,23 |
2,91 |
3,88 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
-4,56 |
-8,86 |
-1,66 |
4,41 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
-5,20 |
-11,70 |
-1,42 |
7,90 |
|
Return on Investment ( R.O.I. ) |
% |
-2,31 |
-7,82 |
-0,75 |
3,65 |
|
Return/ Sales |
% |
-2,29 |
-8,57 |
-0,78 |
3,68 |
|
Extra Management revenues/charges incid. |
% |
n.c. |
n.c. |
n.c. |
41,86 |
|
Cash Flow |
Value |
1.778.153 |
-964.504 |
2.921.594 |
404.155 |
|
Operating Profit |
Value |
-2.151.109 |
-6.730.851 |
-779.031 |
405.639 |
|
Gross Operating Margin |
Value |
2.190.764 |
-2.136.565 |
3.203.721 |
701.807 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
67,29 |
52,97 |
34,90 |
109,96 |
|
Debts to suppliers average term |
Days |
110,77 |
84,64 |
110,53 |
93,14 |
|
Average stock waiting period |
Days |
55,98 |
60,66 |
76,57 |
49,38 |
|
Rate of capital employed return ( Turnover ) |
Units |
1,01 |
0,91 |
0,97 |
1,13 |
|
Rate of stock return |
Units |
6,43 |
5,93 |
4,70 |
7,29 |
|
Labour cost incidence |
% |
27,10 |
30,08 |
25,05 |
12,13 |
|
Net financial revenues/ charges incidence |
% |
0,13 |
-0,18 |
-0,29 |
-1,16 |
|
Labour cost on purchasing expenses |
% |
26,12 |
29,78 |
23,97 |
11,75 |
|
Short-term financing charges |
% |
0,38 |
1,82 |
1,71 |
3,01 |
|
Capital on hand |
% |
99,25 |
109,63 |
103,37 |
88,05 |
|
Sales pro employee |
Value |
118.237 |
106.387 |
127.905 |
407.419 |
|
Labour cost pro employee |
Value |
32.040 |
32.004 |
32.040 |
48.289 |
Credit
Opinion
On the basis of the above mentioned, and the sales volume obtained, we deem
that the maximum exposure for short and medium term transactions ( 90 - 120
days ) could be of: 250.000
Eur.
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 |
: |
|
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
Monthly family expences average in the region (in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Statistical
Detrimental Data
Statistcally the trade activity shows periods of crisis.
The area is statistically considered lowly risky.
In the region 50.886 protested subjects are found; in the province they
count to 24.765.
The insolvency index for the region is 0,55, , while for the province it
is 0,66.
Total Bankrupt companies in the province : 22.523.
Total Bankrupt companies in the region : 39.612.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.65.16 |
|
|
1 |
Rs.99.78 |
|
Euro |
1 |
Rs.73.33 |
INFORMATION DETAILS
|
Analysis Done by
: |
TRI |
|
|
|
|
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.