MIRA INFORM REPORT

 

 

Report No. :

344912

Report Date :

15.10.2015

 

 

 

 

IDENTIFICATION DETAILS

 

Name :

LEONHARD HEYDEN GMBH

 

 

Registered Office :

Wilhelmstr. 17,  D 57627 Hachenburg

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2013

 

 

Year of Establishment :

1891

 

 

Legal Form :

Private limited company

 

 

Line of Business :

Processing of leather (except manufacture of leather apparel)

Wholesale of leather goods, luggage, giftware and advertising articles

Retail sale of leatheware and baggage

 

 

No. of Employee :

105

 

 

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 :

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)

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

 

 

Company name and address

 

LEONHARD HEYDEN GMBH

 

Company Status:          active

                                    Wilhelmstr. 17

                                    D 57627 Hachenburg

                                    Telephone:02662/95130

                                    Telefax:  02662/2066

                                    Homepage: www.leonhard-heyden.com

                                    E-mail:   office@leonhard-heyden.com

 

VAT no.:             DE250564517

 

 

CONCLUSION

 

Business relations are permissible.

 

LEGAL FORM               Private limited company

Date of foundation:       1891

Shareholders'

agreement:                    24.08.2006

Registered on:              11.09.2006

Commercial Register:    Local court 56410 Montabaur

under:                                       HRB 20439

 

 

Share capital

 

EUR             50,000.00

 

 

Shareholder

 

                      Dietmar Jost

                      Saynstr. 22

                      D 57627 Hachenburg

                      born: 08.07.1960

                      Share:             EUR             25,000.00

 Shareholder:

                      Robert Adolf

                      Josef-Büsse-Str. 1

                      D 57627 Hachenburg

                      born: 11.01.1953

                      Share:             EUR             25,000.00

 

 

Manager

 

                      Dietmar Jost

                      Saynstr. 22

                      D 57627 Hachenburg

                      having sole power of representation

                      born: 08.07.1960

                      Property regime: joint ownership of property

                      by a married couple.

                      Marital status: married

 Manager:

                      Robert Adolf

                      Josef-Büsse-Str. 1

                      D 57627 Hachenburg

                      having sole power of representation

                      born: 11.01.1953

                      Marital status: married

 

 Further functions/participations of Dietmar Jost (Manager)

 Shareholder:

                      Adolf & Jost Verwaltungsgesellschaft mbH

                      Saynstr. 22

                      D 57627 Hachenburg

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR             12,500.00

                      Registered

                      on:         29.12.2008

                      Reg. data:  56410 Montabaur, HRB 21377

 Manager:

                      Dietmar Jost GmbH i.G.

                      Johannistal 6-8

                      D 99974 Mühlhausen

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.59

 Manager:

                      Adolf & Jost Verwaltungsgesellschaft mbH

                      Saynstr. 22

                      D 57627 Hachenburg

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         29.12.2008

                      Reg. data:  56410 Montabaur, HRB 21377

 

Further functions/participations of Robert Adolf (Manager)

 

 

Proprietor

 

                      Robert Adolf

                      Lindenstr. 70

                      D 57627 Hachenburg

                      Legal form: Unregistered commercial enterprise

 Proprietor:

                      Robert Adolf

                      Lindenstr. 68

                      D 57627 Hachenburg

                      Legal form: Unregistered commercial enterprise

 

 

General partner

 

 

                      Robert Adolf u. Cornelia Kämpf

                      Graf-Heinrich-Str. 27

                      D 57627 Hachenburg

                      Legal form:         Partnership under the Civil Code

 Limited partner:

                      VSH Verwaltungsgesellschaft Saynstraße GmbH

                      & Co. KG

                      Wilhelmstr. 17

                      D 57627 Hachenburg

                      Legal form: Ltd partnership with priv. ltd. company as general partner

                      Total cap.           EUR             10,000.00

                      contribution:

                      Share:                 EUR             10,000.00

                      Registered

                      on:                                 1.05.2007

                      Reg. data:           56410 Montabaur, HRA 20370

 Shareholder:

                      Haas GmbH

                      Lindenstr. 68

                      D 57627 Hachenburg

                      Post Box:

                      13 66, D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR            150,000.00

                      Share:                 EUR            150,000.00

                      Registered

                      on:                                 02.09.2003

                      Reg. data:           56410 Montabaur, HRB 14725

 Shareholder:

                      A S L GmbH Ademco Sicherheitstechnik

                      Logistikcentrum

                      Lindenstr. 70

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR             76,693.78

                      Share:                 EUR             76,693.78

                      Registered

                      on:                     06.07.1995

                      Reg. data:           56410 Montabaur, HRB 5148

 Shareholder:

                      AMB R. Adolf - C. Kämpf Mineralöle,

                      Schmierstoffe und Transport GmbH

                      Graf-Heinrich-Str. 28

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR            153,387.56

                      Share:                 EUR             76,693.78

                      Registered

                      on:                                 20.12.1983

                      Reg. data:           56410 Montabaur, HRB 2776

 Shareholder:

                      Pelz-Neu Gesellschaft mit beschränkter

                      Haftung, Spezial Pelz- und Lederreinigung

                      Lindenstr. 70

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR             25,600.00

                      Share:                 EUR             25,600.00

                      Registered

                      on:                                 13.05.1955

                      Reg. data:           56410 Montabaur, HRB 2465

 Shareholder:

                      AVO Vliesstoffe GmbH

                      Lindenstr. 53

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR             25,000.00

                      Share:                 EUR             12,750.00

                      Registered

                      on:                                 18.11.2014

                      Reg. data:           56410 Montabaur, HRB 24315

 Shareholder:

                      Adolf & Jost Verwaltungsgesellschaft mbH

                      Saynstr. 22

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR             25,000.00

                      Share:                 EUR             12,500.00

                      Registered

                      on:                                 29.12.2008

                      Reg. data:           56410 Montabaur, HRB 21377

 Manager:

                      Pelz-Neu Gesellschaft mit beschränkter

                      Haftung, Spezial Pelz- und Lederreinigung

                      Lindenstr. 70

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR             25,600.00

                      Registered

                      on:                                 13.05.1955

                      Reg. data:           56410 Montabaur, HRB 2465

 Manager:

                      Adolf & Jost Verwaltungsgesellschaft mbH

                      Saynstr. 22

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:                                 29.12.2008

                      Reg. data:           56410 Montabaur, HRB 21377

 Manager:

                      A S L GmbH Ademco Sicherheitstechnik

                      Logistikcentrum

                      Lindenstr. 70

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR             76,693.78

                      Registered

                      on:                                 06.07.1995

                      Reg. data:           56410 Montabaur, HRB 5148

 Manager:

                      AMB R. Adolf - C. Kämpf Mineralöle,

                      Schmierstoffe und Transport GmbH

                      Graf-Heinrich-Str. 28

                      D 57627 Hachenburg

                      Legal form:         rivate limited company

                      Share capital:     EUR            153,387.56

                      Registered

                      on:                                 20.12.1983

                      Reg. data:           56410 Montabaur, HRB 2776

 Manager:

                      Haas GmbH

                      Lindenstr. 68

                      D 57627 Hachenburg

                      Post Box:

                      13 66, D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR            150,000.00

                      Registered

                      on:                                 02.09.2003

                      Reg. data:           56410 Montabaur, HRB 14725

 Manager:

                      AVO Vliesstoffe GmbH

                      Lindenstr. 53

                      D 57627 Hachenburg

                      Legal form:         Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:                                 18.11.2014

                      Reg. data:           56410 Montabaur, HRB 24315

 

 

COMPANY HISTORY

 

11.09.2006 - 21.01.2013             Leonhard Heyden GmbH

                                                            Saynstr. 22

                                                D 57627 Hachenburg

                                                Private limited company

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

15120   Processing of leather (except manufacture of leather apparel)

46493   Wholesale of leather goods, luggage, giftware and advertising articles

47722   Retail sale of leatheware and baggage

 

 

BRANCHES AND FACTORIES

 

 Branch:

                      Leonhard Heyden GmbH

                      Entenpfuhl 29

                      D 56068 Koblenz

                      TEL.: 0261/1004014

 Branch:

                      Leonhard Heyden GmbH

                      Alte Schönhauser Str. 35

                      D 10119 Berlin

                      TEL.: 030/20054164

 Branch:

                      Leonhard Heyden GmbH

                      Clemensstr. 26-30

                      D 56068 Koblenz

                      TEL.: 0261/9144914

 Branch:

                      Leonhard Heyden GmbH

                      Rosenthaler Str. 40 /41

                      D 10178 Berlin

                      TEL.: 030/23457895

 Branch:

                      Leonhard Heyden GmbH

                      Grunerstr. 20

                      D 10179 Berlin

                      TEL.: 030/24085308

 Branch:

                      Leonhard Heyden GmbH

                      Ehrenstr. 102

                      D 50672 Köln

                      TEL.: 0221/27095970

 Branch:

                      Leonhard Heyden GmbH

                      Kasernenstr. 1a

                      D 40213 Düsseldorf

                      TEL.: 0211/86286363

 Branch:

                      Leonhard Heyden GmbH

                      Wilhelmstr. 17

                      D 57627 Hachenburg

                      TEL.: 02662/9488058

 

 

FINANCIAL INFORMATION

 

Payment experience:  within periods customary in this trade

 

Negative information:We have no negative information at hand.

 

Balance sheet year:  2013

 

 

REAL ESTATE

 

Type of ownership:        Tenant

 Address                       Wilhelmstr. 17

                                    D 57627 Hachenburg

 

 Real Estate of:             Robert Adolf

 Type of ownership:       proprietor

 Share:                          100.00 %

 Address                       Lindenstr. 24

                                    D 57627 Hachenburg

 Residential floor           35,000.00 sq.m

 space/ Usable floor

 space:

 Value at selling price:     EUR          1,432,000.00

 

 Real Estate of:             Robert Adolf

 Type of ownership:       proprietor

 Share:                          100.00 %

 Address                       Brunnenstr. 17

                                    D 57627 Gehlert

 

 Real Estate of:             Robert Adolf

 Type of ownership:       proprietor

 Share:                          100.00 %

 Address                       Lindenstr. 70

                                    D 57627 Hachenburg

 

 Real Estate of:             Robert Adolf

 Type of ownership:       proprietor

 Share:                          100.00 %

 Address                       Saynstr. 22

                                    D 57627 Hachenburg

 

 Real Estate of:             Robert Adolf

 Type of ownership:       proprietor

 Share:                          100.00 %

 Address                       Lindenstr. 74

                                    D 57627 Hachenburg

 

 Real Estate of:             Robert Adolf

 Type of ownership:        proprietor

 Share:                          100.00 %

 Address                       Lindenstr. 68

                                    D 57627 Hachenburg

 

 Real Estate of:             Robert Adolf

 Type of ownership:       part owner

 Share:                          50.00 %

 Address                       Graf-Heinrich-Str. 24

                                    D 57627 Hachenburg

 

 Land register documents were not available.

 

 

 BANKERS

 

 Principal banks

 WESTERWALD BANK, 57627 HACHENBURG

 Sort. code: 57391800, Account no.: 5783402

 BIC: GENODE51WW1, IBAN: DE86573918000005783402

 UNICREDIT BANK - HYPOVEREINSBANK, 50443 KÖLN

 Sort. code: 37020090, Account no.: 18484560

 BIC: HYVEDEMM429, IBAN: DE97370200900018484560

 SPARKASSE WESTERWALD-SIEG, 57602 ALTENKIRCHEN (WESTERWALD)

 Sort. code: 57351030, Account no.: 50046697

 BIC: MALADE51AKI, IBAN: DE08573510300050046697

 

 Further banks

 NASSAUISCHE SPARKASSE, 57627 HACHENBURG

 Sort. code: 51050015

 BIC: NASSDE55XXX

 POSTBANK, 51222 KÖLN

 Sort. code: 37010050

 BIC: PBNKDEFFXXX

 

 

 FINANCIAL FIGURES

 

 Gross profit or loss:2013               EUR          5,662,748.00

                      2014               EUR          5,663,000.00

 Profit:              2013               EUR            141,905.00

 further business figures:

 Equipment:                              EUR            579,036.00

 Ac/ts receivable:                       EUR          2,876,807.00

 Liabilities:                            EUR          5,675,033.00

 Total numbers of vehicles:                                     13

 - Passenger cars:                                              13

 Employees:                                                    105

 - Part-time employees:                                         40

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2013 - 31.12.2013

 Equity ratio [%]:                 20.02

 Liquidity ratio:                   0.54

 Return on total capital [%]:      -0.11

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 18.73

 Liquidity ratio:                   0.54

 Return on total capital [%]:       0.38

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 21.18

 Liquidity ratio:                   0.61

 Return on total capital [%]:       1.44

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                 15.55

 Liquidity ratio:                   0.51

 Return on total capital [%]:       0.06

 

 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.

 

 

Financial

 

 Type of balance sheet:               Company balance sheet

 Origin of the present

 balance sheet:       electronic German Federal Gazette

 

 Financial year:      01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR          7,012,900.69

  Fixed assets                           EUR            706,149.62

   Intangible assets                     EUR             80,012.00

    Goodwill                             EUR             29,591.00

    Other / unspecified intangible assetsEUR             50,421.00

   Tangible assets                       EUR            581,608.85

    Plant / machinery                    EUR              2,573.00

    Other tangible assets / fixtures and

    fittings                             EUR            579,035.85

   Financial assets                      EUR             44,528.77

    Shares in participations /

    subsidiaries and the like            EUR             44,528.77

     Shares in related companies         EUR             22,583.56

     Shares in investee companies        EUR             21,945.21

  Current assets                         EUR          6,273,073.07

   Stocks                                EUR          3,310,120.25

   Accounts receivable                   EUR          2,876,807.27

    Amounts due from related companies   EUR            169,995.34

    Other debtors and assets             EUR          2,706,811.93

   Liquid means                          EUR             86,145.55

  Remaining other assets                 EUR             33,678.00

   Accruals (assets)                     EUR             33,678.00

 

 LIABILITIES                             EUR          7,012,900.69

  Shareholders' equity                   EUR          1,155,704.67

   Capital                               EUR             50,000.00

    Subscribed capital (share capital)   EUR             50,000.00

   Reserves                              EUR            433,800.00

    Capital reserves                     EUR            433,800.00

   Balance sheet profit/loss (+/-)       EUR            671,904.67

    Balance sheet profit / loss          EUR            671,904.67

  Provisions                             EUR            168,910.00

  Liabilities                            EUR          5,675,032.96

   Financial debts                       EUR          3,361,466.14

    Liabilities due to banks             EUR          3,361,466.14

   Other liabilities                     EUR          2,313,566.82

    Liabilities due to shareholders      EUR            272,283.83

    Unspecified other liabilities        EUR          2,041,282.99

  Other liabilities                      EUR             13,253.06

   Deferrals (liabilities)               EUR             13,253.06

 

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

 Code (HGB)

  Gross result (+/-)                     EUR          5,662,748.19

  Staff expenses                         EUR          2,621,688.68

   Wages and salaries                    EUR          2,142,010.09

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR            479,678.59

  Total depreciation                     EUR            135,888.79

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            135,888.79

  Other operating expenses               EUR          2,570,083.65

  Operating result from continuing

  operations                             EUR            335,087.07

  Result from participating interests

  (+/-)                                  EUR              5,156.06

   Expenses / income from participations EUR              5,156.06

    Income from related companies        EUR              5,156.06

  Interest result (+/-)                  EUR           -220,794.28

   Interest and similar income           EUR             15,766.12

   Interest and similar expenses         EUR            236,560.40

  Financial result (+/-)                 EUR           -215,638.22

  Result from ordinary operations (+/-)  EUR            119,448.85

  Extraordinary income                   EUR            149,599.92

  Extraordinary result (+/-)             EUR            149,599.92

  Income tax / refund of income tax (+/-)EUR           -123,167.04

  Other taxes / refund of taxes          EUR             -3,977.00

  Tax (+/-)                              EUR           -127,144.04

  Annual surplus / annual deficit        EUR            141,904.73

 

 Type of balance

 sheet:               Company balance sheet

 Origin of the present

 balance sheet:       electronic German Federal Gazette

 

 Financial year:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR          6,571,638.52

  Fixed assets                           EUR            366,593.95

   Intangible assets                     EUR             32,184.00

    Goodwill                             EUR             19,430.00

    Other / unspecified intangible assetsEUR             12,754.00

   Tangible assets                       EUR            290,680.00

    Land / similar rights                EUR              3,020.00

    Plant / machinery                    EUR              3,288.00

    Other tangible assets / fixtures and

    fittings                             EUR            276,332.00

    Advance payments made / construction

    in progress                          EUR              8,040.00

   Financial assets                      EUR             43,729.95

    Shares in participations /

    subsidiaries and the like            EUR             43,729.95

     Shares in related companies         EUR             22,583.56

     Shares in investee companies        EUR             21,146.39

  Current assets                         EUR          6,160,329.57

   Stocks                                EUR          3,350,061.52

   Accounts receivable                   EUR          2,685,402.81

    Amounts due from related companies   EUR            174,450.32

    Other debtors and assets             EUR          2,510,952.49

   Liquid means                          EUR            124,865.24

  Remaining other assets                 EUR             44,715.00

   Accruals (assets)                     EUR             44,715.00

 

 LIABILITIES                             EUR          6,571,638.52

  Shareholders' equity                   EUR          1,013,799.94

   Capital                               EUR             50,000.00

    Subscribed capital (share capital)   EUR             50,000.00

   Reserves                              EUR            433,800.00

    Capital reserves                     EUR            433,800.00

   Balance sheet profit/loss (+/-)       EUR            529,999.94

    Balance sheet profit / loss          EUR            529,999.94

  Provisions                             EUR            209,010.00

   Other / unspecified provisions        EUR            209,010.00

  Liabilities                            EUR          5,346,039.99

   Financial debts                       EUR          3,066,724.37

    Liabilities due to banks             EUR          3,066,724.37

   Other liabilities                     EUR          2,279,315.62

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          1,062,392.43

    Liabilities due to shareholders      EUR            232,823.52

    Unspecified other liabilities        EUR            984,099.67

  Other liabilities                      EUR              2,788.59

   Deferred taxes (not included under

   provisions/liabilities)               EUR              2,788.59

 

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

 Code (HGB)

  Gross result (+/-)                     EUR          5,816,103.26

  Staff expenses                         EUR          2,476,586.51

  Total depreciation                     EUR            109,510.91

  Other operating expenses               EUR          2,950,760.44

  Operating result from continuing

  operations                             EUR            279,245.40

  Result from participating interests

  (+/-)                                  EUR              6,676.49

   Expenses / income from participations EUR              6,676.49

    Income from related companies        EUR              6,676.49

  Interest result (+/-)                  EUR           -226,810.89

   Interest and similar income           EUR             77,658.94

   Interest and similar expenses         EUR            304,469.83

  Financial result (+/-)                 EUR           -220,134.40

  Result from ordinary operations (+/-)  EUR             59,111.00

  Income tax / refund of income tax (+/-)EUR            -30,756.13

  Other taxes / refund of taxes          EUR             -3,742.00

  Tax (+/-)                              EUR            -34,498.13

  Annual surplus / annual deficit        EUR             24,612.87

 

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.11

UK Pound

1

Rs.99.50

Euro

1

Rs.74.24

 

INFORMATION DETAILS

 

Analysis Done by :

KAS

 

 

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.