MIRA INFORM REPORT

 

 

Report No. :

347840

Report Date :

29.10.2015

 

IDENTIFICATION DETAILS

 

Name :

YASH  GEMS  BVBA 

 

 

Registered Office :

Yash  Gems  Bvba, Hoveniersstraat  2-Bus  448, 2018 Antwerpen

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

27.05.2003

 

 

Com. Reg. No.:

480721904

 

 

Legal Form :

Private  Limited  Company

 

 

Line of Business :

Subject is engaged in wholesale  of  diamonds  and other  precious  stones.

 

 

No. of Employee :

1

 

 

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 :

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)

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 government maintained the budget deficit below the euro-zone threshold of 3% of GDP for a second year in a row. 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

 

YASH  GEMS  BVBA 

 

 

Company summary

 

Business  number

480721904

Branche  Unit  Number

2132411871

Company  name

YASH  GEMS  BVBA

Address

HOVENIERSSTRAAT  2-BUS  448

 

2018 ANTWERPEN

Number  of  staff

1

Date  of  establishment

27/05/2003

Telephone  number

032321733

Fax  number

022321744

 

 

Commentary

 

The  business  was  established  over  11  years  ago. The  business  has  1  employees.

The  business  has  been  at  the  address  for  over  11  years. Operating  Result  in  the  latest  trading  period  increased  59%  on  the  previous  trading  period. Pre-tax  profits  increased  by  272%  compared  to  the  previous  trading  period. The  business  saw  a  decrease  in  their  Cash  Balance  of  79%  during  the  latest  trading  period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2013

32,797,639

192,814

1,483,376

1,878,430

31/12/2012

30,047,356

51,831

1,376,857

1,778,385

31/12/2011

34,691,347

161,908

1,346,489

1,748,928

Accounts

 

 

 

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2013

8,092,590

1

1,025,100

116,817

31/12/2012

9,651,654

0

1,025,100

45,812

31/12/2011

8,560,623

0

1,025,100

126,326

 

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

24.84

Industry  average  payment

126.70

Industry  average  day  sales

185.83

expectation  days

 

outstanding

 

Day  sales  outstanding

55.69

 

 

 

 

Court  data  summary

 

BANKRUPTCY  DETAILS

Court  action  type

no

 

PROTESTED  BILLS

Bill  amount

-

 

NSSO  DETAILS

Date  of  summons

-

 

 

Company  information

 

Business  number

480721904

Company  name

YASH  GEMS  BVBA

Fax  number

022321744

Date  founded

27/05/2003

Company  status

active

Company  type

Private  Limited  Company

 

 

 

(BL/LX)

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.0480.721.904  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

 

 

 

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

196,320

-3.72

203,898

 

-5.75

216,347

-5.02

 

227,773

 

-5.79

241,767

Intangible  fixed  assets

0

-

0

-

 

0

-

 

0

-

 

0

Tangible  fixed  assets

196,320

-3.72

203,898

 

-5.75

216,347

-5.02

 

227,773

 

-5.79

241,767

Land  &  building

189,025

-3.78

196,449

 

-3.64

203,872

-3.51

 

211,296

 

-3.39

218,720

Plant  &  machinery

7,258

1.64

7,141

 

13.54

6,289

 

48.30

4,241

 

-10.88

4,759

Furniture  &  Vehicles

36

-88.15

308

 

-95.02

6,185

 

-49.45

12,236

 

-33.09

18,288

Leasing  &  Other  Similar  Rights

-

-

-

-

 

-

-

 

-

-

 

-

Other  tangible  assets

0

-

0

-

 

0

-

 

0

-

 

0

Financial  fixed  assets

-

-

-

-

 

-

-

 

-

-

 

-

Total  current  assets

7,896,271

-16.42

9,447,756

 

13.22

8,344,275

 

56.57

5,329,550

 

-1.84

5,429,435

Inventories

2,762,402

-12.76

3,166,451

 

28.98

2,455,053

 

90.94

1,285,746

 

-12.78

1,474,138

Raw  materials  &  consumables

-

-

-

-

 

-

-

 

-

-

 

-

Work  in  progress

0

-

0

-

 

0

-

 

0

-

 

0

Finished  goods

2,762,402

-12.76

3,166,451

 

28.98

2,455,053

 

90.94

1,285,746

 

-12.78

1,474,138

Other  stocks

0

-

0

-

 

0

-

 

0

-

 

0

Trade  debtors

5,004,148

-12.97

5,749,792

0.61

 

5,714,825

 

45.95

3,915,680

 

0.34

3,902,336

Other  amounts  receivable

16,507

-7.56

17,858

 

19.92

14,891

 

-39.23

24,503

 

625

3,376

Cash

102,053

-80.00

510,153

224

 

157,117

 

63.62

96,027

 

128

42,026

Miscellaneous  current  assets

11,161

218

3,502

 

46.55

2,389

 

-68.54

7,594

 

0.46

7,559

Total  Assets

8,092,590

-16.15

9,651,654

 

12.74

8,560,623

 

54.04

5,557,323

 

-2.01

5,671,202

 

Liabilities

 

 

 

 

 

 

 

 

 

Total  shareholders  equity

1,483,376

7.74

1,376,857

2.26

1,346,489

8.98

1,235,488

6.85

1,156,237

Issued  share  capital

1,025,100

0

1,025,100

0

1,025,100

0

1,025,100

0

1,025,100

Share  premium  account

4,900

0

4,900

0

4,900

0

4,900

0

4,900

Revaluation  reserve

-

-

-

-

-

-

-

-

-

Reserves

453,376

30.71

346,857

9.60

316,489

54.02

205,488

62.78

126,237

Provisions  for  Liabilities  &  Charges

0

-

0

-

0

-

0

-

0

Deffered  taxes

-

-

-

-

-

-

-

-

-

Creditors

6,609,214

-20.13

8,274,796

14.70

7,214,133

66.92

4,321,835

-4.28

4,514,965

Other  long  term  loans

591,373

-2.32

605,426

-2.16

618,786

-2.01

631,468

-2.17

645,494

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-

0

-

0

-

0

Total  long  term  debts

591,373

-2.32

605,426

-2.16

618,786

-2.01

631,468

-2.17

645,494

Current  portion  of  long  term  debt

14,053

5.19

13,360

5.34

12,683

5.03

12,075

26.72

9,529

Financial  debts

3,481,586

-26.03

4,706,524

44.16

3,264,821

46.23

2,232,696

3.29

2,161,534

Trade  creditors

2,195,921

-16.19

2,620,258

-20.10

3,279,494

144

1,339,063

-12.50

1,530,386

Amounts  Payable  for  Taxes,

18,389

110

8,717

-75.78

35,993

104

17,589

55.22

11,332

Remuneration  &  Social  Security

 

 

 

 

 

 

 

 

 

Miscellaneous  current  liabilities

307,892

-3.94

320,512

13498

2,357

-97.35

88,944

-43.24

156,690

Total  current  liabilities

6,017,841

-21.53

7,669,370

16.28

6,595,348

78.72

3,690,367

-4.63

3,869,471

Total  Liabilities

8,092,590

-16.15

9,651,654

12.74

8,560,623

54.04

5,557,323

-2.01

5,671,202

 

 

ratio  analysis

 

 

 

 

 

 

 

 

 

TRADING  PERFORMANCE

 

 

 

 

 

 

 

 

 

Profit  Before  Tax

0.59

247

0.17

-63.83

0.47

2.17

0.46

-11.54

0.52

Return  on  capital  employed

9.29

255

2.61

-68.33

8.24

47.14

5.60

23.62

4.53

Return  on  total  assets  employed

2.38

340

0.54

-71.43

1.89

0.53

1.88

30.56

1.44

Return  on  net  assets  employed

13.00

245

3.76

-68.72

12.02

42.08

8.46

19.83

7.06

Sales  /  net  working  capital

17.46

3.31

16.90

-14.82

19.84

43.25

13.85

36.99

10.11

Stock  turnover  ratio

8.42

-20.11

10.54

48.87

7.08

25.09

5.66

-39.40

9.34

Creditor  days

24.84

-22.81

32.18

-7.85

34.92

60.11

21.81

-39.37

35.97

Debtor  days

55.69

-20.27

69.85

16.16

60.13

-4.46

62.94

-30.29

90.29

SHORT  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Current  ratio

1.31

6.50

1.23

-3.15

1.27

-11.81

1.44

2.86

1.40

Liquidity  ratio  /  acid  ratio

0.85

3.66

0.82

-7.87

0.89

-19.09

1.10

7.84

1.02

Current  debt  ratio

4.06

-27.11

5.57

13.67

4.90

63.88

2.99

-10.75

3.35

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

116,817

154

45,812

-63.74

126,326

32.65

95,232

26.90

75,043

Net  worth

1,483,376

7.74

1,376,857

2.26

1,346,489

8.98

1,235,488

6.85

1,156,237

LONG  TERM  STABILITY

 

 

 

 

 

 

 

 

 

Gearing

275.52

-28.76

386.77

33.66

289.37

24.30

232.80

-4.43

243.60

Equity  in  percentage

18.33

28.45

14.27

-9.28

15.73

-29.24

22.23

9.02

20.39

Total  debt  ratio

4.46

-25.79

6.01

12.13

5.36

53.14

3.50

-10.26

3.90

Working  capital

1,878,430

5.63

1,778,385

1.68

1,748,928

6.70

1,639,183

5.08

1,559,964

 

 

Profit  &  loss

 

 

 

 

 

 

 

 

 

Operating  Income

32,797,639

9.15

30,047,492

-13.41

34,699,451

52.80

22,709,444

43.96

15,774,930

Turnover

32,797,639

9.15

30,047,356

-13.39

34,691,347

52.76

22,709,165

43.96

15,774,930

Total  operating  expenses

32,269,296

8.59

29,715,852

-13.31

34,280,116

52.94

22,414,399

44.32

15,531,064

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

32,269,296

8.59

29,715,988

-13.33

34,288,220

52.97

22,414,678

44.32

15,531,064

Employee  costs

42,102

234

12,573

-68.74

40,214

16.69

34,461

3.85

33,183

Wages  and  salary

31,891

139

13,328

-56.87

30,900

11.77

27,647

3.29

26,767

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security  contributions

6,986

168

2,603

-61.32

6,732

12.06

6,007

-2.36

6,152

Other  employee  costs

3,225

96.03

-3,359

-230

2,582

219

807

205

264

Director  remuneration

-

-

-

-

-

-

-

-

-

Amortization  and  depreciation

10,298

-33.32

15,444

0.77

15,325

-4.11

15,981

0.90

15,838

Operating  result

528,343

59.38

331,503

-19.39

411,230

39.51

294,766

20.87

243,866

Total  financial  income

626

-61.90

1,642

4.61

1,570

-67.94

4,897

-76.64

20,962

Total  financial  expenses

336,154

19.49

281,314

12.13

250,892

28.54

195,185

6.55

183,188

Results  on  ordinary  operations

192,814

272

51,831

-67.99

161,908

54.97

104,478

27.97

81,640

before  taxation

 

 

 

 

 

 

 

 

 

Extraordinary  Income

-

-

-

-

-

-

-

-

-

Extraordinary  Charges

49,269

-

-

-

-

-

-

-

-

Extraordinary  items

-49,269

-

0

-

0

-

0

-

0

Results  for  the  Year  Before

143,545

176

51,831

-67.99

161,908

54.97

104,478

27.97

81,640

Taxation

 

 

 

 

 

 

 

 

 

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

37,026

72.51

21,463

-57.84

50,907

101

25,227

12.44

22,435

Results  on  ordinary  operations

155,788

413

30,368

-72.64

111,001

40.06

79,251

33.86

59,205

after  taxation

 

 

 

 

 

 

 

 

 

Net  result

106,519

250

30,368

-72.64

111,001

40.06

79,251

33.86

59,205

Profit  (Loss)  for  the  Year  to  be

appropiated

106,519

250

30,368

-72.64

111,001

40.06

79,251

33.86

59,205

Dividends

 

 

 

 

 

 

 

 

 

 

                                                                                                           

Social  Balance  Sheet  Details

 

Social  Balance  Sheet  Details

 

Social  Balance  Sheet

 

Total

 

During  the  reporting  year

 

 

 

ended  31-12-2013

 

 

 

Full-time  Employees

 

1

 

Part-time  Employees

 

1

 

Total  Fte  Employees

 

1

 

 

 

 

 

Number  of  hours  worked

 

 

 

Full-time  Employees

 

1,429

 

Part-time  Employees

 

475

 

Total

 

1,904

 

 

 

 

 

Personnel  Charges

 

 

 

Full-time  Employees

 

31,598

 

Part-time  Employees

 

10,505

 

Total

 

42,102

 

Benefits  In  Addition  To  Wages

 

1

 

 

 

 

 

During  the  previous  reporting  year

 

 

 

Average  number  employees  in  Fte

 

1

 

Actual  working  hours

 

878

 

Personnel  Charges

 

12,573

 

Benefits  In  Addition  To  Wages

 

-

 

 

 

 

 

Type  of  Contract

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

1

1

2

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

1

1

2

Higher  education  (non university)

-

-

-

Higher  education (university)

-

-

-

 

Working  Category

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

1

1

2

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

-

1

1

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

-

-

 

 

Payment  Information

 

 

 

Suspension  of  payments  /  moratorium  history

 

Amount

-

Details

-

Payment  expectations

 

Payment  expectation  days

24.84

Day  sales  outstanding

55.69

Industry  comparison

 

Activity  code

46761

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

Industry  average  payment

126.70

expectation  days

 

Industry  average  day  sales outstanding

185.83

 

 

Industry  quartile  analysis Payment  expectations

 

Company  result

24.84

Lower

120.34

Median

74.61

Upper

45.69

 

 

Day  sales  outstanding

 

Company  result

55.69

Lower

101.92

Median

54.08

Upper

24.12

 

 

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

Sohil

Middle  name

-

Surname

Jhaveri

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

31/12/2008

End  date

-

Percentage  owned

13.07%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Belgiëlei

House  number

119

Minor  town

-

Postal  town

Antwerpen

Post  code

2018

Country

Belgium

SHAREHOLDER  NAME

 

 

 

Forename

Samir

Middle  name

-

Surname

Shah

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

31/12/2008

End  date

-

Percentage  owned

34.64%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Belgiëlei

House  number

50

Minor  town

-

Postal  town

Antwerpen

Post  code

2018

Country

Belgium

SHAREHOLDER  NAME

 

 

 

Forename

Ashit

Middle  name

-

Surname

Sanghvi

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

31/12/2008

End  date

-

Percentage  owned

52.28%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Bajaj  Road

House  number

-

Minor  town

-

Postal  town

-

Post  code

-

Country

India

 

 

Companies  that  match  this  address

 

no  Companies  Match  this  address

 

 

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

 

Name

SAMIR  YOGENDRAKUMAR  SHAH

Position

Principal  Manager

Start  Date

09/09/2010

Street

50 BELGIËLEI  ANTWERPEN

Post  code

2018

Country

Belgium

Former  director  details

 

Name

VANESSA  DE  BRUYCKER

Position

Principal  Manager

Start  Date

16/01/2004

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 :

SUB

 

 

Report Prepared by :

ANK

 


 

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.