MIRA INFORM REPORT
|
Report No. : |
345991 |
|
Report Date : |
17.10.2015 |
IDENTIFICATION DETAILS
|
Name : |
NIKOLAUS BAGNARA S.P.A. - A.G. IN SIGLA NB NIKOLAUS
BAGNARA |
|
|
|
|
Registered Office : |
Strada Madonna Del Riposo, 34, 39057 - Appiano Sulla Strada Del Vino (BZ) |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2014 |
|
|
|
|
Date of Incorporation : |
14.01.1975 |
|
|
|
|
Legal Form : |
Joint stock company |
|
|
|
|
Line of Business : |
|
|
|
|
|
No. of Employee : |
from 91 to 110 |
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 : |
Good |
|
|
|
|
Payment Behaviour : |
No complaints |
|
|
|
|
Litigation : |
Clear |
NOTES :
Any query related to this report can be made
on e-mail : infodept@mirainform.com
while quoting report number, name and date.
ECGC Country Risk Classification List – March 31, 2015
|
Country Name |
Previous Rating (31.12.2014) |
Current Rating (31.03.2015) |
|
Italy |
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
ITALY - ECONOMIC OVERVIEW
Italy has a diversified economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, where unemployment is higher. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family-owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but its exceptionally high public debt and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, topping 132% of GDP in 2014, but investor concerns about Italy and the broader euro-zone crisis eased in 2013, bringing down Italy's borrowing costs on sovereign government debt from euro-era. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's long-standing structural impediments to growth, such as labor market inefficiencies and tax evasion. In 2014 economic growth and labor market conditions continued to deteriorate, with overall unemployment rising to 12.2% and youth unemployment around 40%. Italy's GDP is now nearly 10% below its 2007 pre-crisis level.
|
Source
: CIA |
Company
name
NIKOLAUS BAGNARA S.P.A. - A.G. IN SIGLA NB
NIKOLAUS BAGNARA
Strada Madonna Del Riposo, 34,
39057 - Appiano
Sulla Strada Del Vino (BZ) -IT-
Summary
|
Fiscal Code |
: |
00211420211 |
|
Legal Form |
: |
Joint stock company |
|
start of Activities |
: |
14/01/1975 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
25.000.000/35.000.000 |
|
Number of Employees |
: |
from 91 to 110 |
Activity
Cutting and carving of stone and marble
Artistic working of marble and other similar stone, mosaics
Legal
Data
Legal Form : Joint stock company
|
Fiscal Code : 00211420211 |
|
Foreign Trade Reg. no. : BZ005627 since 18/09/1997 |
|
Foreign Trade Reg. no. : 5627 of Bolzano since 18/09/1997 |
|
Chamber of Commerce no. : 77007 of Bolzano since 27/01/1975 |
|
Chamber of Commerce no. : 112271 of Massa |
|
Chamber of Commerce no. : 329892 of Verona |
|
Firms' Register : BZ008-3995 of Bolzano since 19/02/1996 |
|
V.A.T. Code : 00211420211 |
|
Establishment date |
: 14/01/1975 |
|
Start of Activities |
: 14/01/1975 |
|
Legal duration |
: 31/12/2050 |
|
Nominal Capital |
: 516.500 |
|
Subscribed Capital |
: 516.500 |
|
Paid up Capital |
: 516.500 |
|
Legal mail |
: BAGNARA@PEC.ROLMAIL.NET |
Members
|
Christof |
Ida |
|
Born in Appiano sulla Strada del Vino |
(BZ) |
on 11/11/1948 |
- Fiscal Code : CHRDIA48S51A332N |
|
Residence: |
Strada S. Antonio |
, 15/A |
- 39057 |
Appiano sulla Strada del Vino |
(BZ) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
20/06/2014 |
||
|
Managing Director |
20/06/2014 |
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
Bagnara |
Bruno |
|
Born in Sulzberg |
( ) |
on 20/04/1947 |
- Fiscal Code : BGNBRN47D20Z102A |
|
Residence: |
Strada S. Antonio |
, 15/A |
- 39057 |
Appiano sulla Strada del Vino |
(BZ) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Board Chairman |
20/06/2014 |
||
|
Managing Director |
20/06/2014 |
||
|
Director |
20/06/2014 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Bagnara |
Philipp |
|
Born in Bolzano |
(BZ) |
on 09/05/1976 |
- Fiscal Code : BGNPLP76E09A952O |
|
Residence: |
Strada Madonna Del Riposo |
, 34 |
- 39057 |
Appiano sulla Strada del Vino |
(BZ) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
20/06/2014 |
||
|
Managing Director |
20/06/2014 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Bagnara |
Niko |
|
Born in Bolzano |
(BZ) |
on 11/05/1982 |
- Fiscal Code : BGNNKI82E11A952H |
|
Residence: |
Strada S. Antonio |
, 15/A |
- 39057 |
Appiano sulla Strada del Vino |
(BZ) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Director |
20/06/2014 |
||
|
Managing Director |
20/06/2014 |
|
No Prejudicial events are reported |
|
No Protests registered |
|
Pison |
Walter |
|
Born in Bolzano |
(BZ) |
on 07/12/1978 |
- Fiscal Code : PSNWTR78T07A952Z |
|
Residence: |
Via Maso Della Pieve |
, 13/A |
- 39100 |
Bolzano |
(BZ) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Auditor |
20/06/2014 |
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.
|
Christof |
Ida |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Bagmar Di Bagnara Philipp E C. - S.a.s. |
Appiano sulla Strada del Vino (BZ) - IT - |
01547100212 |
Limited Partner |
Withdrawn |
Registered |
|
Bagnara |
Bruno |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Bagmar Di Bagnara Philipp E C. - S.a.s. |
Appiano sulla Strada del Vino (BZ) - IT - |
01547100212 |
Limited Partner |
Withdrawn |
Registered |
|
Nb Immobiliare S.r.l. |
Appiano sulla Strada del Vino (BZ) - IT - |
02664510217 |
Director |
Active |
Registered |
|
Nb Immobiliare S.r.l. |
Appiano sulla Strada del Vino (BZ) - IT - |
02664510217 |
Board Chairman |
Active |
Registered |
|
Bagnara |
Philipp |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Bagmar Di Bagnara Philipp E C. - S.a.s. |
Appiano sulla Strada del Vino (BZ) - IT - |
01547100212 |
General Partner |
Withdrawn |
Registered |
|
Nb Immobiliare S.r.l. |
Appiano sulla Strada del Vino (BZ) - IT - |
02664510217 |
Director |
Active |
Registered |
|
Bagnara Stonecare Srl |
Appiano sulla Strada del Vino (BZ) - IT - |
02884150216 |
Sole Director |
Active |
Registered |
|
Bagnara |
Niko |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Bagmar Di Bagnara Philipp E C. - S.a.s. |
Appiano sulla Strada del Vino (BZ) - IT - |
01547100212 |
Limited Partner |
Withdrawn |
Registered |
|
Nb Immobiliare S.r.l. |
Appiano sulla Strada del Vino (BZ) - IT - |
02664510217 |
Director |
Active |
Registered |
The indication "REGISTERED" as Firm Status could refer to Firms in
Liquidation, Active, Inactive, etc.
For more information, in this case, we advise to request further investigations.
Capital
Shareholders
Shareholders' list as at date of data collection:
|
Firm's Style / Name |
Seat / Residence |
Fiscal Code |
Owned Shares |
% Ownership |
|
Christof Ida |
Appiano sulla Strada del Vino - IT - |
CHRDIA48S51A332N |
103.300 .Eur |
20,00 |
|
Bagnara Bruno |
Appiano sulla Strada del Vino - IT - |
BGNBRN47D20Z102A |
284.075 .Eur |
55,00 |
|
Bagnara Philipp |
Appiano sulla Strada del Vino - IT - |
BGNPLP76E09A952O |
77.475 .Eur |
15,00 |
|
Bagnara Niko |
Appiano sulla Strada del Vino - IT - |
BGNNKI82E11A952H |
51.650 .Eur |
10,00 |
Direct
Participations
The Company under review has participations in the following Companies:
|
Firm's Style |
Seat |
Fiscal Code |
Owned Shares
Amount |
% Ownership |
since |
until |
Share Status |
|
Terminale Ferroviario Valpolicella S.p.a . Per Brevita' T.f.v. S.p.a. |
Sant'Ambrogio di Valpolicella - IT - |
02037360233 |
7.500 .Eur |
0,41 |
Active |
||
|
Nb Immobiliare S.r.l. |
Appiano sulla Strada del Vino - IT - |
02664510217 |
20.000 .Eur |
66,66 |
Active |
||
|
Bagnara Stonecare Srl |
Appiano sulla Strada del Vino - IT - |
02884150216 |
25.000 .Eur |
100,00 |
Active |
Firm's
location and structure
In order to carry out its activities the firm uses the following locations:
|
- |
Legal and operative seat |
(Workshop) |
|
Strada Madonna Del Riposo |
, 34 |
- 39057 |
- Appiano sulla Strada del Vino |
(BZ) |
- IT - |
|
PHONE |
: 0471662109 |
|
FAX |
: 0471664704 |
|
Website |
: WWW.BAGNARA.NET |
|
Legal mail |
: BAGNARA@PEC.ROLMAIL.NET |
|
- |
Branch |
(Warehouse) |
since 20/10/2003 |
|
Del Marmo |
, 655/B |
- 37020 |
- Dolce' |
(VR) |
- IT - |
|
PHONE |
: 0456860059 |
|
FAX |
: 0456860945 |
|
Email |
: volargne@bagnara.net |
|
- |
Branch |
(Warehouse) |
since 19/01/2004 |
|
Massa Avenza |
, 249 |
- 54100 |
- Massa |
(MS) |
- IT - |
|
- |
Branch |
(Factory) |
since 20/06/2005 |
|
Enrico Fermi |
, 8 |
- 37010 |
- Cavaion Veronese |
(VR) |
- IT - |
|
- |
Branch |
(Warehouse) |
since 23/09/2013 |
|
Dell'ecologia |
, 1 |
- 37010 |
- Rivoli Veronese |
(VR) |
- IT - |
|
Employees |
: 97 |
|
Fittings and Equipment for a value of 690.000 |
Eur |
|
Stocks for a value of 10.720.000 |
Eur |
The firm has a direct commercial organization
Sales area on a national scale.
The company supplies wholesalers and resellers.
Usually the terms of sale are within 90-120 days.
Financial means used for sale: bank transfers and bank orders.
Main used payment modalities are by cash orders and bank transfers.
Traded
Brands / Suppliers
|
- ARTIC BLUE |
|
- AURORA |
|
- BETHEL WHITE |
|
- SALISBURY PINK |
Historical Information and/or Firm's Status
CHANGES TO THE LEGAL FORM:
|
Former legal form |
New legal form |
Changement Date |
|
Cooperative society |
Joint stock company |
16/03/1998 |
COMPANY STYLE MODIFICATIONS:
|
Former Style |
New Style |
Changement Date |
|
Bagnara Nicola e Co. Snc |
NIKOLAUS BAGNARA S.P.A. |
16/03/1998 |
CEASINGS/INCORPORATIONS/MERGES:
|
Project of merging by taking over of |
|
Bagmar Di Bagnara Philipp E C. - S.a.s. |
|
Strada Madonna Del Riposo |
, 34 |
, 39057 |
, Appiano sulla Strada del Vino |
(BZ) |
- IT - |
|
Fiscal Code: 01547100212 |
|
Date |
Merging/splitting-up project: |
30/09/2011 |
|
The firm absorbed by merging of |
|
Bagmar Di Bagnara Philipp E C. - S.a.s. |
|
Strada Madonna Del Riposo |
, 34 |
, 39057 |
, Appiano sulla Strada del Vino |
(BZ) |
- IT - |
|
Fiscal Code: 01547100212 |
|
Date |
: |
30/01/2012 |
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 |
|
CASSA RISP. BOLZANO SPA |
FILIALE APPIANO |
VIA STAZIONE 13/C |
39057 |
Appiano sulla
Strada del Vino (BZ) |
6045 |
58160 |
Financial and Economical Analysis
Company's starting of activities dates back to 1975.
The economic-financial analysis has been made on the base of the b/s of
the latests three years.
Under an economic point of view, profits were registered during the last
years with a r.o.e. of 8,7% in 2014 keeping the turnover steady during the last
two years.
The operating result in 2014 was positive (6,15%) and in line with the
sector's average.
An operating result of Eur. 2.217.917 has been registered. rising
(+21,04%) in relation to the previous year.
The gross operating margin of the latest financial year is of Eur.
2.587.492 , stable if compared to the year before.
Company's financial status is balanced since indebtedness is not high
(1,21) even though on the increase if compared to 2013.
It's shareholders funds amount to Eur. 12.463.695 , unchanged if
compared to 2013.
During the last financial year total debts volume reached Eur.
22.086.844 (Eur. 6.899.762 were m/l term ones) , a more or less stable value.
Bank borrowings' volume is slightly high but the recourse to suppliers'
credit is modest which is also lower than the sector average.
Payments are supported by good current assets.
Trade credits average terms are 73,65 days. , a value lower than the
sector's average.
During financial year 2014 the cash flow amounted to Eur. 1.421.007
In the last financial year labour cost was of Eur. 3.127.135, with a
10,66% incidence on total costs of production. , whereas the incidence of such
costs on sales revenues is equal to 10,15%.
If compared to the sales volume (-1,44%), the impact of the financial
charges is limited.
Financial
Data
|
Complete balance-sheet for the year |
al 31/12/2014 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
30.796.865 |
|
Profit (Loss) for the period |
1.083.921 |
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
29.541.349 |
|
Profit (Loss) for the period |
332.134 |
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
30.986.010 |
|
Profit (Loss) for the period |
287.961 |
|
Complete balance-sheet for the year |
al 31/12/2011 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
25.545.885 |
|
Profit (Loss) for the period |
309.655 |
|
Complete balance-sheet for the year |
al 31/12/2010 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
24.084.381 |
|
Profit (Loss) for the period |
268.529 |
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 |
0,36 |
0,37 |
0,35 |
0,29 |
|
Elasticity Ratio |
Units |
0,63 |
0,62 |
0,65 |
0,69 |
|
Availability of stock |
Units |
0,30 |
0,31 |
0,35 |
0,23 |
|
Total Liquidity Ratio |
Units |
0,33 |
0,32 |
0,30 |
0,41 |
|
Quick Ratio |
Units |
0,00 |
0,00 |
0,00 |
0,01 |
|
COMPOSITION ON
SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
1,21 |
1,16 |
1,28 |
1,78 |
|
Self Financing Ratio |
Units |
0,35 |
0,34 |
0,31 |
0,27 |
|
Capital protection Ratio |
Units |
0,87 |
0,93 |
0,93 |
0,69 |
|
Liabilities consolidation quotient |
Units |
0,50 |
0,65 |
0,67 |
0,23 |
|
Financing |
Units |
1,77 |
1,86 |
2,07 |
2,41 |
|
Permanent Indebtedness Ratio |
Units |
0,56 |
0,59 |
0,58 |
0,46 |
|
M/L term Debts Ratio |
Units |
0,21 |
0,25 |
0,27 |
0,13 |
|
Net Financial Indebtedness Ratio |
Units |
1,19 |
1,30 |
1,48 |
0,98 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
1,54 |
1,61 |
1,67 |
1,51 |
|
Current ratio |
Units |
1,50 |
1,60 |
1,62 |
1,20 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,79 |
0,81 |
0,75 |
0,75 |
|
Structure's primary quotient |
Units |
0,95 |
0,92 |
0,90 |
0,83 |
|
Treasury's primary quotient |
Units |
0,01 |
0,00 |
0,00 |
0,02 |
|
Rate of indebtedness ( Leverage ) |
% |
289,33 |
298,19 |
320,64 |
366,48 |
|
Current Capital ( net ) |
Value |
7.530.701 |
8.029.970 |
8.983.319 |
233.017 |
|
RETURN |
|||||
|
Return on Sales |
% |
4,61 |
2,24 |
2,21 |
3,37 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
8,70 |
2,88 |
2,53 |
3,34 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
13,66 |
7,31 |
4,98 |
11,22 |
|
Return on Investment ( R.O.I. ) |
% |
6,15 |
5,33 |
3,27 |
4,00 |
|
Return/ Sales |
% |
7,20 |
6,20 |
3,86 |
4,88 |
|
Extra Management revenues/charges incid. |
% |
48,87 |
18,13 |
24,09 |
19,82 |
|
Cash Flow |
Value |
1.421.007 |
662.745 |
685.303 |
65.183 |
|
Operating Profit |
Value |
2.217.917 |
1.832.346 |
1.195.171 |
108.595 |
|
Gross Operating Margin |
Value |
2.587.492 |
2.162.957 |
1.592.513 |
167.146 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
73,65 |
68,72 |
76,08 |
131,41 |
|
Debts to suppliers average term |
Days |
87,68 |
82,84 |
81,09 |
111,40 |
|
Average stock waiting period |
Days |
125,35 |
129,10 |
146,90 |
96,30 |
|
Rate of capital employed return ( Turnover ) |
Units |
0,85 |
0,86 |
0,85 |
0,84 |
|
Rate of stock return |
Units |
2,87 |
2,79 |
2,45 |
3,72 |
|
Labour cost incidence |
% |
10,15 |
9,78 |
8,91 |
14,94 |
|
Net financial revenues/ charges incidence |
% |
-1,44 |
-2,02 |
-2,02 |
-2,29 |
|
Labour cost on purchasing expenses |
% |
10,66 |
10,14 |
9,01 |
14,35 |
|
Short-term financing charges |
% |
2,24 |
3,04 |
2,94 |
3,61 |
|
Capital on hand |
% |
117,10 |
116,30 |
117,98 |
118,11 |
|
Sales pro employee |
Value |
317.493 |
328.237 |
462.477 |
209.056 |
|
Labour cost pro employee |
Value |
32.238 |
32.090 |
41.212 |
33.287 |
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 |
: |
|
Sector
Data
The values are calculated on a base of 588 significant companies.
The companies cash their credits on an average of 131 dd.
The average duration of suppliers debts is about 111 dd.
The sector's profitability is on an average of 3,37%.
The labour cost affects the turnover in the measure of 14,94%.
Goods are held in stock in a range of 96 dd.
The difference between the sales volume and the resources used to
realize it is about 0,84.
The employees costs represent the 14,35% of the production costs.
Statistical
Detrimental Data
Statistcally the trade activity shows periods of crisis.
The area is statistically considered lowly risky.
In the region 2.078 protested subjects are found; in the province they
count to 1.228.
The insolvency index for the region is 0,22, , while for the province it
is 0,26.
Total Bankrupt companies in the province : 1.448.
Total Bankrupt companies in the region : 2.539.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.64.97 |
|
|
1 |
Rs.100.55 |
|
Euro |
1 |
Rs.73.99 |
INFORMATION DETAILS
|
Analysis Done by
: |
DIV |
|
|
|
|
Report Prepared
by : |
ASH |
RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest
capability for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit
transaction. It has above average (strong) capability for payment of interest
and principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General unfavourable
factors will not cause fatal effect. Satisfactory capability for payment of
interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with full
security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
-- |
NB |
New Business |
-- |
This score serves as a reference to assess SC’s
credit risk and to set the amount of credit to be extended. It is calculated
from a composite of weighted scores obtained from each of the major sections of
this report. The assessed factors and their relative weights (as indicated
through %) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend (10%) Operational size
(10%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.