MIRA INFORM REPORT

 

 

Report No. :

346114

Report Date :

20.10.2015

           

IDENTIFICATION DETAILS

 

Name :

EURO  JVL  NV 

 

 

Registered Office :

Sneeuwbeslaan  19, 2627 Schelle

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

29.03.2006

 

 

Com. Reg. No.:

880400308

 

 

Legal Form :

Public  Limited  Company

 

 

Line of Business :

Subject is engaged in wholesale  of  diamonds  and other  precious  stones

 

 

No. of Employee :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

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)

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

 

EURO  JVL  NV 

 

 

Company  summary                       

 

Business  number

880400308

Branche  Unit  Number

2153352488

Company  name

EURO  JVL  NV

Address

SNEEUWBESLAAN  19

 

2627 SCHELLE

Number  of  staff

-

Date  of  establishment

29/03/2006

Telephone  number

034759001

Fax  number

036469130

 

 

Ultimate  holding  company

 

Company  name

Company  Number

-

-

 

 

Commentary

 

The  business  was  established  over  9  years  ago. No  employees  are  recorded  for  this  business. The  business  has  been  at  the  address  for  over  8  years. Operating  Result  in  the  latest  trading  period  decreased  1223%  on  the  previous  trading  period. Net  Worth  decreased  by  31%  during  the  latest  trading  period.

Pre-tax  profits  decreased  by  1832%  compared  to  the  previous  trading  period. The  business  saw  an  increase  in  their  Cash  Balance  of  59%  during  the  latest  trading  period. Turnover  in  the  latest  trading  period  decreased  30%  on  the  previous  trading  period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2014

101,066

-9,446

20,923

20,359

31/12/2013

145,644

545

30,370

30,246

31/12/2012

245,195

3,266

29,825

29,701

Accounts

 

 

 

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2014

313,736

-

100,000

-9,227

31/12/2013

272,256

-

100,000

545

31/12/2012

215,946

-

100,000

3,388

 

 

Payment  expectations

 

Past  payments

 

Payment  expectation  days

802.31

Industry  average  payment

192.91

Industry  average  day  sales

194.90

expectation  days

 

outstanding

 

Day  sales  outstanding

706.98

 

 

 

 

Court  data  summary

 

BANKRUPTCY  DETAILS

Court  action  type                               no

PROTESTED  BILLS

Bill  amount                                         -

NSSO  DETAILS

Date  of  summons                               -

 

 

Company  information

 

Business  number

880400308

Company  name

EURO  JVL  NV

Fax  number

036469130

Date  founded

29/03/2006

Company  status

active

Company  type

Public  limited  company

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.0880.400.308  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

09/04/2013

Event  Description

re-appointment  of  director(s)

Event  Details

Commentaar  09-04-2013:  Herbenoemd  als  bestuurder  voor  6  jaar:  Anja  Van  Camp  (tevens  als

 

gedelegeerd  bestuurder),  Tim  Van  den  Berg  en  Yves  Van  den  Berg.

Event  Date

29/03/2006

Event  Description

Legal  creation

Event  Details

 

 

 

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

564

355

124

0

124

-49.80

247

-89.91

2,447

Intangible  fixed  assets

0

-

0

-

0

-

0

-

0

Tangible  fixed  assets

440

-

0

-

0

-100

123

-50.0

246

Land  &  building

0

-

0

-

0

-

0

-

0

Plant  &  machinery

0

-

0

-

0

-

0

-

0

Furniture  &  Vehicles

440

-

0

-

0

-100

123

-50.0

246

Leasing  &  Other  Similar  Rights

0

-

0

-

0

-

0

-

0

Other  tangible  assets

0

-

0

-

0

-

0

-

0

Financial  fixed  assets

124

0

124

0

124

0

124

-94.37

2,201

Total  current  assets

313,172

15.08

272,132

26.09

215,822

-11.40

243,602

97.30

123,471

Inventories

90,000

25.00

72,000

34.95

53,355

-54.44

117,112

-

0

Raw  materials  &  consumables

0

-

0

-

0

-

0

-

0

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

0

-

0

-

0

-

0

-

0

Other  stocks

90,000

25.00

72,000

34.95

53,355

-54.44

117,112

-

0

Trade  debtors

195,759

7.21

182,600

15.26

158,425

54.35

102,639

-3.80

106,688

Other  amounts  receivable

900

0

900

-48.97

1,764

1293

127

-96.67

3,802

Cash

26,513

59.41

16,632

629

2,279

-90.37

23,672

82.36

12,981

Miscellaneous  current  assets

0

-

0

-

0

-100

53

-

0

Total  Assets

313,736

15.24

272,256

26.08

215,946

-11.44

243,849

93.66

125,918

 

 

Liabilities

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

20,923

-31.11

30,370

1.83

29,825

12.29

26,560

-35.49

41,172

Issued  share  capital

100,000

0

100,000

0

100,000

0

100,000

0

100,000

Share  premium  account

0

-

0

-

0

-

0

-

0

Revaluation  reserve

0

-

0

-

0

-

0

-

0

Reserves

-79,077

-13.57

-69,630

99

-70,175

95.55

-73,440

-24.84

-58,828

Provisions  for  Liabilities  &  Charges

0

-

0

-

0

-

0

-

0

Deffered  taxes

0

-

0

-

0

-

0

-

0

Creditors

292,812

21.05

241,886

29.96

186,121

-14.34

217,289

156

84,746

Other  long  term  loans

0

-

0

-

0

-

0

-

0

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-

0

-

0

-

0

Total  long  term  debts

0

-

0

-

0

-

0

-

0

Current  portion  of  long  term  debt

0

-

0

-

0

-

0

-

0

Financial  debts

26,890

236

8,000

-

0

-

0

-

0

Trade  creditors

242,235

10.20

219,809

18.36

185,711

-14.53

217,289

156

84,746

Amounts  Payable  for  Taxes,  Remuneration  &

1,057

-33.79

1,596

-

0

-

0

-

0

Social  Security

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

22,631

81.32

12,481

2944

410

-

0

-

0

Total  current  liabilities

292,812

21.05

241,886

29.96

186,121

-14.34

217,289

156

84,746

Total  Liabilities

313,736

15.24

272,256

26.08

215,946

-11.44

243,849

93.66

125,918

 

 

ratio  analysis

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

-9.35

-2627

0.37

-72.18

1.33

5.62

-23.66

-32.40

-17.87

Return  on  capital  employed

-45.14

-2607

1.80

-83.56

10.95

19.91

-55.01

68.57

-80.22

Return  on  total  assets  employed

-3.01

-1605

0.20

-86.75

1.51

25.21

-5.99

22.84

-26.23

Return  on  net  assets  employed

-45.14

-2607

1.80

-83.56

10.95

19.91

-55.01

68.57

-80.22

Sales  /  net  working  capital

4.96

2.90

4.82

-41.65

8.26

251

2.35

-50.73

4.77

Stock  turnover  ratio

89.05

80.12

49.44

127

21.76

-88.53

189.66

-

-

Creditor  days

802.31

44.83

553.96

97.55

280.42

-72.85

1,032.96

535

162.49

Debtor  days

706.98

54.49

457.62

94.05

235.83

-61.13

606.71

188

210.65

SHORT  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Current  ratio

1.07

-5.31

1.13

-2.59

1.16

3.57

1.12

-23.29

1.46

Liquidity  ratio  /  acid  ratio

0.76

-8.43

0.83

-4.60

0.87

50.0

0.58

-60.27

1.46

Current  debt  ratio

13.99

75.75

7.96

27.56

6.24

-23.72

8.18

297

2.06

Liquidity  ratio  reprocessed

-

-

-

-

-

-

 

-

-

Cashflow

-9,227

-1793

545

-83.92

3,388

23.38

-14,490

44.47

-32,580

Net  worth

20,923

-31.11

30,370

1.83

29,825

12.29

26,560

-35.49

41,172

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Gearing

128.51

387

26.34

-

-

-

 

-

-

Equity  in  percentage

6.67

-40.18

11.15

-19.26

13.81

26.81

10.89

-66.70

32.70

Total  debt  ratio

13.99

75.75

7.96

27.56

6.24

-23.72

8.18

297

2.06

Working  capital

20,359

-32.69

30,246

1.83

29,701

12.88

26,313

-32.05

38,725

 

 

 

 

Profit  &  loss

 

 

 

 

 

 

 

 

 

Operating  Income

-

-

-

-

-

-

-

-

-

Turnover

101,066

-30.61

145,644

-40.60

245,195

297

61,748

-66.60

184,862

Total  operating  expenses

110,202

-23.91

144,831

-40.08

241,724

214

76,780

-59.67

190,362

Gross  Operating  Margin

-8,176

-705

1,351

-67.98

4,218

29.07

-14,507

-218

-4,549

Operating  Charges

-

-

-

-

-

-

-

-

-

Employee  costs

-

-

-

-

-

-

-

-

-

Wages  and  salary

-

-

-

-

-

-

-

-

-

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security  contributions

-

-

-

-

-

-

-

-

-

Other  employee  costs

-

-

0

-

0

-

0

-

0

Director  remuneration

-

-

-

-

-

-

-

-

-

Amortization  and  depreciation

220

-

-

-

123

0

123

-72.65

450

Operating  result

-9,136

-1223

813

-76.58

3,471

23.09

-15,032

-173

-5,500

Total  financial  income

12

871

1

-99

273

-59.30

670

241

196

Total  financial  expenses

322

19.56

269

-43.77

479

91.83

249

-99

27,725

Results  on  ordinary  operations  before  taxation

-9,446

-1832

545

-83.30

3,266

22.35

-14,611

44.24

-33,028

Extraordinary  Income

-

-

-

-

-

-

-

-

-

Extraordinary  Charges

-

-

-

-

-

-

-

-

-

Extraordinary  items

-

-

0

-

0

-

0

-

0

Results  for  the  Year  Before  Taxation

-9,446

-1832

545

-83.30

3,266

22.35

-14,611

44.24

-33,028

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

1

213

0

66.67

0

-84.87

1

0.85

1

Results  on  ordinary  operations  after  taxation

-9,447

-1833

545

-83.31

3,265

22.35

-14,613

44.24

-33,029

Net  result

-9,447

-1833

545

-83.31

3,265

22.35

-14,613

44.24

-33,029

Profit  (Loss)  for  the  Year  to  be  appropiated

-9,447

-1833

545

-83.31

3,265

22.35

-14,613

44.24

-33,029

Dividends

-

-

-

-

-

-

-

-

-

 

 

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

 

-

 

Total  Fte  Employees

 

-

 

Number  of  hours  worked

 

 

 

Full-time  Employees

 

-

 

Part-time  Employees

 

-

 

Total

 

-

 

Personnel  Charges

 

 

 

Full-time  Employees

 

-

 

Part-time  Employees

 

-

 

Total

 

-

 

Benefits  In  Addition  To  Wages

 

-

 

During  the  previous  reporting  year

 

 

 

Average  number  employees  in  Fte

 

-

 

Actual  working  hours

 

-

 

Personnel  Charges

 

-

 

Benefits  In  Addition  To  Wages

 

-

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

-

-

 

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

-

-

-

Higher  education  (non

-

-

-

university)

 

 

 

Higher  education

-

-

-

(university)

 

 

 

Women

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

-

-

-

Higher  education  (non university)

-

-

-

Higher  education (university)

-

-

-

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

-

-

-

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

-

-

-

 

 

Total  of  formal  continuing  vocational  training  initiatives

 

 

for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

Total  of  less  formal  and  informal  continuing  vocational

 

 

training  initiatives  for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

Total  of  initial  training  initiatives  at  the  expense  of  the

 

 

employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

 

Industry  comparison

 

Activity  code

46761

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

industry  average  credit

68.90

 

 

Payment  Information

 

Suspension  of  payments  /  moratorium  history

 

Amount

-

Details

-

Payment  expectations

 

Payment  expectation  days

802.31

Day  sales  outstanding

706.98

Industry  comparison

 

Activity  code

46761

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

Industry  average  payment

expectation  days

192.91

Industry  average  day  sales

outstanding

194.90

 

 

Industry  quartile  analysis Payment  expectations

 

Company  result

802.31

Lower

134.78

Median

60.30

Upper

28.46

 

 

Day  sales  outstanding

 

Company  result

706.98

Lower

131.59

Median

85.12

Upper

47.22

 

 

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

Priyanka

Middle  name

-

Surname

Gandhi

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

29/03/2006(estimated)

End  date

-

Percentage  owned

37%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

-

House  number

-

Minor  town

-

Postal  town

-

Post  code

-

Country

India

SHAREHOLDER  NAME

 

 

 

Forename

Pierre

Middle  name

-

Surname

Van  der  Wal

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

29/03/2006(estimated)

End  date

-

Percentage  owned

25%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Frilinglei

House  number

77

Minor  town

-

Postal  town

Brasschaat

Post  code

2930

Country

Belgium

SHAREHOLDER  NAME

 

 

 

Forename

Sudhir

Middle  name

-

Surname

Shah

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

29/03/2006(estimated)

End  date

-

Percentage  owned

38%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

-

House  number

-

Minor  town

-

Postal  town

-

Post  code

-

Country

India

 

 

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

Managing  Director

Start  Date

01/07/2009

Street

19 SNEEUWBESLAAN  SCHELLE

Post  code

2627

Country

Belgium

Name

Anja  Van  Camp

Position

Director

Start  Date

01/07/2009

Street

19 SNEEUWBESLAAN  SCHELLE

Post  code

2627

Country

Belgium

Name

Yves  Van  den  Bergh

Position

Director

Start  Date

01/07/2008

Street

203 LINDELEI  HEMIKSEM

Post  code

2620

Country

Belgium

Name

Tim  Van  den  Bergh

Position

Director

Start  Date

28/09/2007

Street

10 SPUISTRAAT  BORNEM

Post  code

2880

Country

Belgium

Name

Johan  van  der  Wal

Position

Permanent  representative  legal  entity

Start  Date

29/03/2006

Street

 

Post  code Country

 

 

 

Former  director  details

 

Name

Peter  van  der  Wal

Position

Managing  Director

Start  Date

29/03/2006

End  Date

30/06/2009

Street

19 SNEEUWBESLAAN  SCHELLE

Post  code

2627

Country

Belgium

Position

Director

Start  Date

22/04/2013

End  Date

30/06/2014

Street

19 SNEEUWBESLAAN  SCHELLE

Post  code

2627

Country

Belgium

Position

Director

Start  Date

29/03/2006

End  Date

30/06/2009

Street

19 SNEEUWBESLAAN  SCHELLE

Post  code

2627

Country

Belgium

Name

Willy  Van  den  Bergh

Position

Director

Start  Date

10/07/2007

End  Date

01/07/2008

Street

 

Post  code

 

Country

 

Name

Anja  Van  Camp

Position

Director

Start  Date

21/12/2006

End  Date

28/09/2007

Street

19 SNEEUWBESLAAN  SCHELLE

Post  code

2627

Country

Belgium

Name

OTHMAR  KARNER

Position

Director

Start  Date

29/03/2006

End  Date

10/07/2007

Street

 

Post  code Country

 

 

 


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.64.82

UK Pound

1

Rs.100.12

Euro

1

Rs.73.75

 

INFORMATION DETAILS

 

Analysis Done by :

KIN

 

 

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.