MIRA INFORM REPORT

 

 

Report No. :

347511

Report Date :

29.10.2015

           

IDENTIFICATION DETAILS

 

Name :

EXELCO  NV 

 

 

Registered Office :

Pelikaanstraat  62, 2018 Antwerpen

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

08.03.1995

 

 

Com. Reg. No.:

140177.31

 

 

Legal Form :

Public  Limited  Liability

 

 

Line of Business :

Subject is engaged in wholesale  of  diamonds  and other  precious  stones

 

 

No. of Employee :

11

 

 

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)

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 

 

EXELCO  NV 

 

 

Company  summary

 

Business  number

454661071

Branche  Unit  Number

2070837360

Company  name

EXELCO  NV

Address

PELIKAANSTRAAT  62

 

2018 ANTWERPEN

Number  of  staff

11

Date  of  establishment

08/03/1995

Telephone  number

032332452

Fax  number

032338841

 

 

Ultimate  holding  company

 

Company  name

Company  Number

Exelco  NV

454661071

 

 

Commentary

 

The  business  was  established  over  20  years  ago.

The  business  has  10  employees.

The  business  is  part  of  a  group.

This  business  has  a  foreign  parent  business.

The  business  has  been  at  the  address  for  over  11  years.

The  business  has  changed  address  2  times  in  the  last  year.

Operating  Result  in  the  latest  trading  period  increased  95%  on  the  previous  trading  period.

Net  Worth  increased  by  36%  during  the  latest  trading  period.

A  117%  growth  in  Total  Assets  occurred  during  the  latest  trading  period. Turnover  in  the  latest  trading  period  increased  78%  on  the  previous  trading  period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

195,035,025

273,737

5,125,572

20,726,064

31/12/2012

109,042,461

-22,740

3,753,962

10,643,611

31/12/2011

94,531,890

39,079

3,821,244

11,819,555

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

83,305,436

11

4,411,874

224,885

31/12/2012

38,231,909

10

3,343,759

42,143

31/12/2011

50,370,991

9

3,409,937

46,164

 

 

Payment  expectations

 

Past  payments

 

Payment  expectation  days

64.25

Industry  average  payment

126.61

Industry  average  day  sales

184.47

expectation  days

 

outstanding

 

Day  sales  outstanding

84.71

 

 

 

 

Court  data  summary

 

BANKRUPTCY  DETAILS

 

Court  action  type

no

 

PROTESTED  BILLS

 

Bill  amount

-

 

 

NSSO  DETAILS

 

 

 

Date  of  summons

-

 

 

Company  information

 

Business  number

454661071

Company  name

EXELCO  NV

Fax  number

032338841

Date  founded

08/03/1995

Company  status

active

Company  type

Public  Limited  Liability

 

 

 

Company  (BE)

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2013

Activity  code

46761

Liable  for  VAT

yes

Activity  description

Wholesale  of  diamonds  and

VAT  Number

BE.0454.661.071  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)

 

JIC  Code

218

Description

Additional  national  joint  committee  for  the  employees

category

 

JIC  Code

324.02

Description

JSC  small  merchandisers  in  the  diamant  industry  and  trade

category

 

Significant  Events

 

Event  Date

26/06/2006

Event  Description

re-appointment  of  director(s)

Event  Details

Commentaar  26-06-2006:  De  bestuurdersmandaten  van  Kunstler  Lior,  van  Tolkowsky  Jean-Paul  en

 

van  Weitman  Emmanuel  worden  verlengd  voor  een  periode  van  zes  jaar.

 

 

Company  accounts

 

Assets

 

 

 

 

 

 

 

 

 

Annual  accounts

31-12-2013

%

31-12-2012

%

31-12-2011

%

31-12-2010

%

31-12-2009

Weeks

52

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

2,383,095

126

1,051,880

784

118,877

-19.75

148,134

-6.35

158,183

Intangible  fixed  assets

4,055

-33.58

6,105

-36.89

9,673

-25.14

12,921

551

1,985

Tangible  fixed  assets

112,800

31.46

85,804

-11.31

96,741

-21.52

123,268

-14.78

144,654

Land  &  building

-

-

-

-

-

-

-

-

-

Plant  &  machinery

83,448

50.29

55,525

-3.83

57,736

28.64

44,881

-0.98

45,323

Furniture  &  Vehicles

29,352

-3.06

30,280

-22.37

39,005

-50.24

78,387

-21.09

99,332

Leasing  &  Other  Similar  Rights

-

-

-

-

-

-

-

-

-

Other  tangible  assets

0

0

-1

-

0

-

0

-

0

Financial  fixed  assets

2,266,240

136

959,971

7602

12,463

4.35

11,944

3.46

11,544

Total  current  assets

80,922,341

117

37,180,029

-26.01

50,252,114

9.52

45,884,635

13.92

40,276,709

Inventories

33,138,042

97.56

16,773,442

-14.54

19,628,034

13.77

17,252,436

29.13

13,360,934

Raw  materials  &  consumables

-

-

-

-

-

-

-

-

-

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

33,138,042

97.56

16,773,442

-14.54

19,628,034

13.77

17,252,436

29.13

13,360,934

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

45,265,498

150

18,062,211

-36.97

28,658,539

5.70

27,113,762

6.01

25,576,835

Other  amounts  receivable

1,344,097

42.40

943,864

7.47

878,251

1.99

861,125

17.71

731,556

Cash

1,094,174

-10.64

1,224,484

1322

86,086

33.38

64,541

175

23,427

Miscellaneous  current  assets

80,560

-54.23

176,029

401

35,079

11.46

31,471

-50.31

63,341

Total  Assets

83,305,436

117

38,231,909

-24.10

50,370,991

9.42

46,032,769

13.84

40,434,892

Liabilities

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

5,129,627

36.42

3,760,067

-1.85

3,830,917

3.43

3,703,960

8.45

3,415,512

Issued  share  capital

4,411,874

31.94

3,343,759

-1.94

3,409,937

3.27

3,301,847

7.81

3,062,525

Share  premium  account

-

-

-

-

-

-

-

-

-

Revaluation  reserve

-

-

-

-

-

-

-

-

-

Reserves

717,753

72.41

416,308

-1.11

420,980

4.69

402,113

13.92

352,987

Provisions  for  Liabilities  &  Charges

0

-

0

-

0

-

0

-

0

Deffered  taxes

-

-

-

-

-

-

-

-

-

Creditors

78,175,809

126

34,471,842

-25.93

46,540,074

9.95

42,328,809

14.34

37,019,380

Other  long  term  loans

17,765,771

128

7,780,428

-4.03

8,107,515

6.83

7,589,240

61.80

4,690,570

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

213,761

37.91

154,996

-

0

-

0

-

0

Total  long  term  debts

17,979,532

126

7,935,424

-2.12

8,107,515

6.83

7,589,240

61.80

4,690,570

Current  portion  of  long  term  debt

-

-

-

-

-

-

-

-

-

Financial  debts

25,621,081

85.14

13,838,802

12.90

12,257,684

12.71

10,875,320

24.77

8,716,138

Trade  creditors

34,125,793

174

12,415,496

-52.19

25,967,213

9.30

23,757,175

0.95

23,533,463

Amounts  Payable  for  Taxes,

111,076

30.59

85,058

46.07

58,232

15.84

50,271

1.27

49,641

Remuneration  &  Social  Security

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

338,327

71.69

197,062

31.88

149,430

163

56,803

92.11

29,568

Total  current  liabilities

60,196,277

126

26,536,418

-30.95

38,432,559

10.63

34,739,569

7.46

32,328,811

Total  Liabilities

83,305,436

117

38,231,909

-24.10

50,370,991

9.42

46,032,769

13.84

40,434,892

ratio  analysis

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

0.14

700

-0.02

-150

0.04

-50.0

0.08

-46.67

0.15

Return  on  capital  employed

1.18

621

-0.19

-157

0.33

-35.29

0.51

-61.65

1.33

Return  on  total  assets  employed

0.33

550

-0.06

-175

0.08

-33.33

0.12

-55.56

0.27

Return  on  net  assets  employed

5.34

890

-0.60

-158

1.02

-33.77

1.54

-51.27

3.16

Sales  /  net  working  capital

9.41

-8.11

10.24

28.00

8.00

22.51

6.53

-26.13

8.84

Stock  turnover  ratio

16.99

10.47

15.38

-25.92

20.76

-12.48

23.72

24.78

19.01

Creditor  days

64.25

53.74

41.79

-58.58

100.89

-16.06

120.19

-2.60

123.40

Debtor  days

84.71

40.11

60.46

-45.36

110.65

-18.69

136.08

2.45

132.83

SHORT  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Current  ratio

1.34

-4.29

1.40

6.87

1.31

-0.76

1.32

5.60

1.25

Liquidity  ratio  /  acid  ratio

0.79

2.60

0.77

-3.75

0.80

-2.44

0.82

-1.20

0.83

Current  debt  ratio

11.74

66.29

7.06

-29.61

10.03

6.93

9.38

-0.95

9.47

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

224,885

433

42,143

-8.71

46,164

-35.01

71,028

-39.07

116,572

Net  worth

5,125,572

36.54

3,753,962

-1.76

3,821,244

3.53

3,691,039

8.13

3,413,528

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Gearing

845.81

47.11

574.97

8.16

531.60

6.64

498.51

27.00

392.52

Equity  in  percentage

6.16

-37.40

9.84

29.30

7.61

-5.47

8.05

-4.73

8.45

Total  debt  ratio

15.24

66.19

9.17

-24.53

12.15

6.30

11.43

5.44

10.84

Working  capital

20,726,064

94.73

10,643,611

-9.95

11,819,555

6.05

11,145,066

40.23

7,947,899

Profit  &  loss

 

 

 

 

 

 

 

 

 

Operating  Income

197,121,644

79.69

109,698,980

15.39

95,064,720

30.66

72,757,048

3.50

70,299,306

Turnover

195,035,025

78.86

109,042,461

15.35

94,531,890

29.98

72,725,797

3.48

70,281,719

Total  operating  expenses

193,852,387

78.77

108,437,010

15.43

93,945,085

30.22

72,144,256

3.64

69,608,749

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

195,939,006

79.61

109,093,529

15.47

94,477,915

30.90

72,175,507

3.66

69,626,336

Employee  costs

526,731

51.17

348,426

8.57

320,936

24.41

257,962

4.66

246,478

Wages  and  salary

-

-

269,302

8.56

248,075

23.80

200,390

5.09

190,692

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security  contributions

-

-

58,479

10.11

53,112

24.78

42,566

5.11

40,496

Other  employee  costs

0

-100

20,646

4.55

19,748

31.61

15,005

-1.87

15,291

Director  remuneration

-

-

67,737

-38.05

109,348

22.61

89,184

-16.63

106,980

Amortization  and  depreciation

56,423

46.00

38,645

-4.49

40,461

-18.24

49,486

-24.77

65,776

Operating  result

1,182,638

95.33

605,451

3.18

586,805

0.91

581,541

-13.59

672,970

Total  financial  income

140,442

-10.70

157,264

28.85

122,049

-7.10

131,379

680

16,843

Total  financial  expenses

1,049,343

33.60

785,455

17.27

669,775

2.14

655,717

12.67

581,982

Results  on  ordinary  operations

273,737

1203

-22,740

-158

39,079

-31.68

57,203

-46.95

107,832

before  taxation

 

 

 

 

 

 

 

 

 

Extraordinary  Income

5,314

-94.29

93,025

480

16,031

275

4,267

-

-

Extraordinary  Charges

-

-

-

-

17,551

911

1,735

-83.21

10,333

Extraordinary  items

5,314

-94.29

93,025

6120

-1,520

-160

2,532

24.50

-10,333

Results  for  the  Year  Before

Taxation

279,051

297

70,285

87.13

37,560

-37.12

59,735

-38.73

97,499

Other appropriations

-

-

-

-

-

-

-

-

-

Taxation

110,589

65.58

66,787

109

31,857

-16.59

38,193

-18.22

46,703

Results  on  ordinary  operations

163,148

182

-89,527

-1339

7,222

-62.01

19,010

-68.90

61,129

after  taxation

 

 

 

 

 

 

 

 

 

Net  result

168,462

4715

3,498

-38.66

5,703

-73.53

21,542

-57.59

50,796

Profit  (Loss)  for  the  Year  to  be

appropiated

168,462

4715

3,498

-38.66

5,703

-73.53

21,542

-57.59

50,796

Dividends

-

-

-

-

-

-

-

-

-

 

 

Social  Balance  Sheet  Details

 

Social  Balance  Sheet  Details

 

 

 

Social  Balance  Sheet

 

Total

 

During  the  reporting  year

 

 

 

ended  31-12-2013

 

 

 

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

 

 

 

Primary  education

 

 

 

Secondary  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 rating

64.48

Industry  average  credit  limit

140177.31

 

 

Payment  Information

 

Suspension  of  payments  /  moratorium  history

Amount

-

Details

-

 

 

Payment  expectations

 

Payment  expectation  days

64.25

Day  sales  outstanding

84.71

 

 

Industry  comparison

 

Activity  code

46761

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

Industry  average  payment

126.61

expectation  days

 

Industry  average  day  sales

184.47

outstanding

 

 

Industry  quartile  analysis

 

Payment  expectations

 

Company  result

64.25

Lower

118.32

Median

74.61

Upper

45.68

 

Day  sales  outstanding

 

Company  result

84.71

Lower

102.33

Median

54.07

Upper

24.31

 

 

Shareholder  Details

 

Summary

 

Group  -  Number  of  Companies

2

Linkages  -  Number  of  Companies

0

Number  of  Countries

0

 

 

Group  Structure

 

Company  name

Number

Latest

 

 

financials

- EXELCO  NV

454661071

31-12-2013

- - EXELCO  SOURCING  BVBA

893075337

31-12-2013

Minority  Shareholders

No  minority  shareholders  found

 

Minority  Interests

No  minority  interests  found

 

Companies  that  match  this  address

no  Companies  Match  this  address

 

 

Linked  Companies

 

Summary

 

Group  -  Number  of  Companies

2

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

 

Name

EMMANUEL  LANDAU

Position

Managing  Director

Start  Date

10/02/2015

Street

6 CHARLOTTALEI  ANTWERPEN

Post  code

2018

Country

Belgium

 

 

Position

Director

Start  Date

01/03/2012

Street

6 CHARLOTTALEI  ANTWERPEN

Post  code

2018

Country

Belgium

 

 

Name

LIOR  KUNSTLER

Position

Director

Start  Date

15/06/2010

Street

 

Post  code

 

Country

Israël

 

 

Name

EXELCO  INTERNATIONAL  LTD  SOC.  ETRANGERE

Position

Director

Start  Date

02/01/2009

Street

 

Post  code

 

Country

Mauritius

 

 

Position

Legal  Representative

Start  Date

02/02/2015

Street

 

Post  code

 

Country

Mauritius

 

Former  director  details

 

Name

JEAN-PAUL  MEIJER  TOLKOWSKY

Position

Managing  Director

Start  Date

16/12/2010

End  Date

01/03/2012

Street

36 VAN  PUTLEI  ANTWERPEN

Post  code

2018

Country

Belgium

 

 

Name

GARY  GUTFREUND

Position

Director

Start  Date

23/11/2007

End  Date

Unknown  date

Street

8 HOF  TER  SCHRIECKLAAN  ANTWERPEN

Post  code

2600

Country

Belgium

 

 

Name

LIOR  KUNSTLER

Position

Managing  Director

Start  Date

15/06/2010

End  Date

10/02/2015

Street

 

Post  code

 

Country

Israël

 

 

Name

EXELCO  INTERNATIONAL  LTD

Position

Director

Start  Date

01/01/2009

End  Date

Unknown  date

Street

 

Post  code

 

Country

 

 

 

Position

Legal  Representative

Start  Date

11/10/2013

End  Date

Unknown  date

Street

 

Post  code

 

Country

 

 

 

Name

SONA  PILLAY

Position

Legal  Representative

Start  Date

22/07/2010

End  Date

11/10/2013

Street

 

Post  code

 

Country

 

 

 

Name

FAZAL  CHAUDRI

Position

Legal  Representative

Start  Date

22/07/2010

End  Date

11/10/2013

Street

 

Post  code

 

Country

 

 

 

Name

HENDRIK  BARHOORN

Position

Legal  Representative

Start  Date

22/07/2010

End  Date

Unknown  date

 


DIAMOND INDUSTRY – INDIA

 

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

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

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

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

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

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

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

 

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

 

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

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.04

UK Pound

1

Rs.99.58

Euro

1

Rs.71.75

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

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.