MIRA INFORM REPORT

 

 

Report No. :

338986

Report Date :

02.09.2015

 

IDENTIFICATION DETAILS

 

Name :

H. GRINGOIRE

 

 

Registered Office :

79 Rue De Turbigo, 75003 Paris 3

 

 

Country :

France

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

January 1954

 

 

Com. Reg. No.:

542 030 630

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Wholesale (intercompany trade) of watches and jewelery

 

 

No. of Employee :

10 to 19 (2013)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ca

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

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)

France

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

FRANCE - ECONOMIC OVERVIEW

 

The French economy is diversified across all sectors. The government has partially or fully privatized many large companies, including Air France, France Telecom, Renault, and Thales. However, the government maintains a strong presence in some sectors, particularly power, public transport, and defense industries. With more than 84 million foreign tourists per year, France is the most visited country in the world and maintains the third largest income in the world from tourism. France's leaders remain committed to a capitalism in which they maintain social equity by means of laws, tax policies, and social spending that mitigate economic inequality. France's real GDP increased by 0.4% in 2014. The unemployment rate (including overseas territories) increased from 7.8% in 2008 to 10.4% in the fourth quarter of 2014. Youth unemployment in metropolitan France decreased from a high of 25.4% in the fourth quarter of 2012 to 24.3% in the fourth quarter of 2014. Lower-than-expected growth and high spending have strained France's public finances. The budget deficit rose sharply from 3.3% of GDP in 2008 to 7.5% of GDP in 2009 before improving to 4% of GDP in 2014, while France's public debt rose from 68% of GDP to more than 95% in 2014, and may hit 100% by 2016. Elected on a conventionally leftist platform, President Francois HOLLANDE surprised and angered many supporters with a January 2014 speech announcing a sharp change in his economic policy, recasting himself as a liberalizing reformer. The government's budget for 2014 shifted the balance of fiscal consolidation from taxes to a total of $24 billion in spending cuts. In December 2014, HOLLANDE announced additional reforms, including a plan to extend commercial business hours, liberalize professional services, and sell off $6.2-12.4 billion in state owned assets. France’s tax burden remains well above the EU average and income tax cuts over the past decade are being partly reversed, particularly for higher earners. The top rate of income tax is 41%. The government is allowing a 75% payroll tax on salaries over $1.24 million to lapse.

 

Source : CIA

 

Company name

 

H. GRINGOIRE

 

 

Enquiries Trend

 

SIRET

542 030 630 00017

Name

H. GRINGOIRE

Acronym

-

Trade name

-

Status

Economically active

Postal Address

H. GRINGOIRE
79 RUE DE TURBIGO
75003 PARIS 3

Share Capital

5,000,000 Euros

Incorporiation Date

06/1954

Activity (APE)

Wholesale (intercompany trade) of watches and jewelery (4648Z)

RCS Registration

RCS Paris B 542 030 630

Formation Date

01/1954

EUR VAT Number

FR04542030630

Deregistration Date

-

Last account Date

31/12/2013

Court Registry Number

19 5 4B03063

Telephone

01 53 01 95 30

Registration Court

Paris (75)

Fax

-

Nationality

France

 

Legal form

Limited Liability Company

Currency

Euros

 

 

Key Financials

 

Year to date

Turnover

Gross operating surplus

Shareholder's equity

Net result

Employees

31/12/2013

2,957,447 €

-19.37% Turnover

-782,365 €

-661,713 €

10 to 19 employees

31/12/2010

3,415,826 €

-14.90% Turnover

1,411,033 €

-493,753 €

-

31/12/2009

2,747,761 €

-27.93% Turnover

-1,202,215 €

-1,142,451 €

-

 

 

Ultimate Holding Company

 

Name

Country

Company Number

PRANDA JEWELRY PUBLIC CO. LTD.

-

Affiliation links.

30 companies in the international Group Structure from 5 countries.

 

 

Directors

 

Current Directors

1

 

 

Preferential Right

 

No social security and tax office preferential right to date

 

 

Establishment Details

 

Type of Establishment

Single (translated to H)

Production Role

-

APE/NAF Code

4648Z

Activity

Wholesale (intercompany trade) of watches and jewelery

Formation Date

01/1954

Reason for Formation

-

Closure Date

-

Reason for Closure

-

Reactivation Date

-

Seasonality

-

Activity Nature

-

Activity Location

Store

Trading Address

79 RUE DE TURBIGO
75003 PARIS 3

Department

Paris (75)

Location Surface

From 300 m² to less than 400 m²

District

1

City

PARIS 3

Status

Economically active

Business Pages FT®

BIJOUTIERS (FABRICATION, GROS)

Region

Ile-de-France

Area

99

Size of Urban Area

Paris conglomeration

 

 

Other Establishment(s)

 

Regionality

Legal unit with all establishments in same area

Mono-activity status

Legal unit having all establishments with the same main activity

Branches

0 branch entities in this company

 

Company Name

Company Type

APE/NAF Code

Activity

City

Post Code

H. GRINGOIRE

Head Office

4648Z

Wholesale (intercompany trade) of watches and jewelery

PARIS 3

75003

 

 

Workforces

 

Workforce at address

10 to 19 employees

Company workforce

10 to 19 employees

 

 

Commentary

 

The comments are ordered according to the class of risk. Companies are compared with regard to other companies of the same type. Thus a positive comment for one category can be negative for another or can change depending on its value. This is a purely statistical decision.

 

Negative shareholders equity

Ongoing business despite loss of more than half of the capital within the last 12 months

The decrease of the current ratio over the past two years is more than 20%

The return on total assets employed is negative

The debtor days are 257.40

The sales to current assets ratio is 0.57

The ratio total assets to total liabilities is 0.87

The decrease of shareholder's equity over the past two years is more than 25%

The shareholder's equity is less than 250,000€

The pre-tax profit is less than 25,000€

The tangible fixed assets are 136,177 €

The company is 61 years old

Industry code with low risk rating

The liquidity acid test is more than 65%

 

 

Industry comparison

 

Activity (APE)

Wholesale (intercompany trade) of watches and jewelery (4648Z)

 

 

Collective procedures

 

No judgment information for the company

 

 

Preferential rights details and history

 

Summary of preferential rights

 

Company monitored since

23/12/2010

Status of Monitoring

No social security and tax office preferential right to date

 

 

Group Data

 

Ultimate parent company

PRANDA JEWELRY PUBLIC CO. LTD.

Direct parent

PRANDA JEWELRY PUBLIC CO. LTD. - 100 %

Group – Number of companies

18

Linkages – Number of companies

30

Number of countries

5

 

 

Name

SIREN

Parts

Last account published

1

PRANDA JEWELRY PUBLIC CO. LTD.

-

-

-

2

H. GRINGOIRE

542030630

100 %

31/12/2013

PRIMAGOLD INTERNATIONAL CO., LTD.

-

100 %

-

PRANDA NORTH AMERICA, INC

-

100 %

-

2

PRANDIAL LIMITED

04998447

100 %

31/12/2013

3

PDU (UK) LIMITED

05832075

100 %

31/12/2014

PRANDA TRADING (SHENZHEN) LIMITED

-

100 %

-

2

PRANDA SINGAPORE PTE. LIMITED

-

100 %

-

3

PRANDA ACCEPTANCE SDN. BHD

-

100 %

-

2

PRANDA & KROLL GMBH & CO. KG

HRA 503986

51 %

31/12/2014

3

KSV BRAND GMBH

HRB 505627

51 %

31/12/2011

CRYSTALINE CO., LTD

-

96 %

-

PRANDA VIETNAM CO., LTD.

-

100 %

-

GUANGZHOU PANGDA ZHUBAO SHOUSHI YOUXIAN GONGSI

-

100 %

-

PRANDA JEWELRY PRIVATE LIMITED

-

51 %

-

P.T. SUMBERKREASI CIPTALOGAM

-

50 %

-

KZ - PRANDA CO., LTD.

-

40 %

-

PRANDA LODGING CO., LTD.

-

83 %

-

 

 

Linkages

 

Company Name

Siren

Last Account Published

Turnover

PRANDA JEWELRY

-

31/12/2014

75,354,714 €

PRANDA U.K. LIMITED

02858435

31/12/2014

1,444,467 £

PRANDA & KROLL VERWALTUNGS-GMBH

HRB 505842

31/12/2011

-

BEETLE LIMITED

04516186

31/12/2013

-

NUMBER FOUR INVESTMENTS LIMITED

04499258

31/12/2013

-

PROVERB 28 LIMITED

07844270

30/09/2014

-

ROWBELL LIMITED

04044786

30/09/2014

-

DONAMOUNT LIMITED

03851029

31/12/2013

-

CRAWFISH LIMITED

04516078

31/12/2013

-

CONJUNCTION LIMITED

04569025

31/12/2013

-

AUTARCH LIMITED

04669897

31/12/2013

-

SNOWFLAKE 145 LIMITED

04800685

31/12/2013

-

THATCHER LIMITED

05065219

31/12/2013

-

GRANDEUR LIMITED

05159714

31/12/2013

-

ROWBELL PROPERTIES LIMITED

06711903

30/09/2014

-

ROWBELL HOLDINGS LIMITED

06713405

30/09/2014

-

ROWBELL LEISURE LIMITED

06820717

30/09/2014

-

ROWBELL PR LIMITED

07992937

30/09/2014

-

ROWBELL VENTURES LIMITED

07999921

30/09/2014

-

AVENUE TRUST CO LTD

-

-

-

BOWERBIRD HOLDINGS LTD

-

-

-

DUVEAUX LTD

-

-

-

GLASSEL PROPERTIES LTD

-

-

-

GOSFORD PROPERTIES HOLDINGS LTD

-

-

-

IMPULSE TRUST

-

-

-

LYCIANDA LTD

-

-

-

MARINER INVESTMENT HOLDINGS LTD

-

-

-

ORCHARD HOLDINGS GROUP BVI

-

-

-

WEIGHBRIDGE TRUST LTD

-

-

-

WEYSOM LTD

-

-

-

 

 

Director(s)

 

Name

M. LE DOUR YVAN

Manager position

Manager

Date of birth

04/03/1963

Place of birth

PARIS (75015)

Type

Individual

Name at birth

 

 

Previous Directors

 

Manager position

Title and name

Date of Birth/Place of Birth

Manager

MME. BERBERICH BETSCHART FRANCOISE

14/07/1941 - TARBES

Manager

M. LE DOUR YVAN

04/03/1963 - PARIS 15

Manager

M. LE DOUR YVAN

04/03/1963 - PARIS (75015)

 

 

Status history

 

No Status History

 

 

Recent publications in Gazettes

 

Publication date

Gazette Name

Description

06/01/2015

Bodacc C

Comptes annuels et rapports

75 - PARIS

GREFFE DU TRIBUNAL DE COMMERCE DE PARIS

9325 - 542030630 RCS. H. GRINGOIRE. Forme : Société à responsabilité limitée (à associé unique). Adresse : 79 rue de Turbigo 75003 Paris. Commentaires : Comptes annuels et rapports de l'exercice clos le : 31/12/2013.

24/12/2014

JAL

Continuation of activity in spite of stockholders' equity become lower in the middle of the share capital

Petites affiches (Les) - La Loi - Le Quotidien juridique - archives commerciales de la France


Date de décision : 24/09/2014
Poursuite d'activité malgré des fonds propres devenus inférieurs à la moitié du capital social de la société 542030630 -  H. GRINGOIRE, 79 RUE DE TURBIGO, 75003 PARIS 3
Date d'effet : 24/09/2014

14/04/2013

Bodacc B

Modification et mutation diverse

75 - PARIS

GREFFE DU TRIBUNAL DE COMMERCE DE PARIS

991 - 542 030 630 RCS Paris. H. GRINGOIRE. Forme : Société à responsabilité limitée (à associé unique). Administration : Commissaire aux comptes titulaire partant : SOCIETE ILE DE FRANCE EXPERTISE ET AUDIT - I F E A, nomination du Commissaire aux comptes titulaire : BAKER TILLY AUDALIAN, Commissaire aux comptes suppléant partant : SOCIETE RAYMOND BAUMANN & ASSOCIES, nomination du Commissaire aux comptes suppléant : Rabefaniraka, Christian. Capital : 5000000 EUR. Activité : .
Adresse du siège social : 79 rue de Turbigo, 75003 Paris.
Commentaires : modification survenue sur l'administration.

20/09/2011

Bodacc C

Comptes annuels et rapports

75 - PARIS

GREFFE DU TRIBUNAL DE COMMERCE DE PARIS

12826 - 542030630 RCS. H. GRINGOIRE. Forme : Société à responsabilité limitée. Adresse : 79 rue de Turbigo 75003 Paris. Commentaires : Comptes annuels et rapports de l'exercice clos le : 31/12/2010.

28/01/2011

Bodacc B

Modification et mutation diverse

75 - PARIS

GREFFE DU TRIBUNAL DE COMMERCE DE PARIS

1149 - 542 030 630 RCS Paris. H. GRINGOIRE. Forme : Société à responsabilité limitée. Capital : 5000000 EUR. Activité : .
Adresse du siège social : 79 rue de Turbigo, 75003 Paris.
Commentaires : modification survenue sur le capital (augmentation).

05/01/2011

JAL

Modification of the share capital

Petites affiches (Les) - La Loi - Le Quotidien juridique - archives commerciales de la France


Date de décision : 16/11/2010
La société : 542030630 - H. GRINGOIRE, 79 RUE DE TURBIGO, 75003 PARIS 3 a subi une augmentation de son capital social désormais de 5 000 000 €
Date d'effet : 16/11/2010

06/12/2010

Bodacc C

Comptes annuels et rapports

75 - PARIS

GREFFE DU TRIBUNAL DE COMMERCE DE PARIS

9222 - 542030630 RCS. H. GRINGOIRE. Forme : Société à responsabilité limitée. Adresse : 79 R DE TURBIGO 75003 PARIS. Commentaires : Comptes annuels et rapports de l'exercice clos le : 31/12/2009.

27/08/2009

Bodacc C

Comptes annuels et rapports

75 - PARIS

GREFFE DU TRIBUNAL DE COMMERCE DE PARIS

8211 - 542030630 RCS. H. GRINGOIRE. Forme : Société à responsabilité limitée. Adresse : 79 rue de Turbigo 75003 Paris. Commentaires : Comptes annuels et rapports de l'exercice clos le : 31/12/2008.

07/04/2009

Bodacc C

Comptes annuels et rapports

75 - PARIS

GREFFE DU TRIBUNAL DE COMMERCE DE PARIS

8712 - 542030630 RCS. H. GRINGOIRE. Forme : Société à responsabilité limitée. Adresse : 79 rue de Turbigo 75003 Paris. Commentaires : Comptes annuels et rapports de l'exercice clos le : 31/12/2006.

26/08/2008

Bodacc B

Modification et mutation diverse

75 - PARIS

GREFFE DU TRIBUNAL DE COMMERCE DE PARIS

1926 - 542 030 630 RCS Paris. H. GRINGOIRE. Forme : Société à responsabilité limitée. Administration : Gérant partant : Berberich-Betschart Dite Betschart-Berberich Francoise Jeanne, Marie Magdeleine, nomination du Gérant : Le Dour, Yvan. Capital : 1893000 EUR. Activité : La fabrication l'achat et la vente en gros et au détail de bijoux perles pierres précieuses et autres bijoux de même nature et plus spécialement l'exploitation d'un fonds de commerce de commissionnaire en bijouterie la création de toutes succursales et leur exploitation.
Adresse du siège social : 79 rue de Turbigo, 75003 Paris.
Commentaires : modification survenue sur l'administration.

15/04/2007

Bodacc C

Avis de dépôt des comptes

6871 - RCS Paris B 542 030 630. RC 54-B 3063. H. GRINGOIRE. Forme: S.A.R.L.. Adresse du siège social: 79, R de Turbigo,Paris, 75003 Paris. Comptes annuels et rapports de l'exercice clos le: 31 décembre 2000.

15/04/2007

Bodacc C

Avis de dépôt des comptes

6872 - RCS Paris B 542 030 630. RC 54-B 3063. H. GRINGOIRE. Forme: S.A.R.L.. Adresse du siège social: 79, R de Turbigo,Paris, 75003 Paris. Comptes annuels et rapports de l'exercice clos le: 31 décembre 2001.

16/01/2002

Bodacc B

Modifications et mutations diverses

RCS Paris B 542030630 RC 54-B 3063 H. GRINGOIRE. Forme : S.A.R.L. Capital : 1 893 000 euros. Commentaires : modification survenue sur le capital (augmentation).

07/02/1999

Bodacc B

Modifications et mutations diverses

RCS Paris B 542 030 630 RC 54-B 3063 H. GRINGOIRE. Forme : S.A.R.L. Capital : 12 420 000 F. Commentaires : modification survenue sur le capital (augmentation).

23/08/1997

Bodacc B

Modifications et mutations diverses

RCS Paris B 542 030 630 RC 54-B 3063 H. GRINGOIRE. Forme : S.A.R.L. Capital : 7 720 000 F. Commentaires : modification survenue sur le capital (diminution).

18/08/1997

Bodacc B

Modifications et mutations diverses

RCS *. RCS Paris B 542 030 630 RC RC 54- B 3063 H. GRINGOIRE. Forme : S.A.R.L. Capital : 10 160 000 F. Commentaires : modification survenue sur le capital ( augmentation).

12/10/1995

Bodacc B

Modifications et mutations diverses

RCS *. RCS Paris B 542 030 630 RC RC 54- B 3063 H. GRINGOIRE. Forme : S.A.R.L. Administration : gérant : BERBERICH- BETSCHART dite BETSCHART-BERBERICH ( Françoise, Jeanne, Marie, Magdeleine). Commissaire aux comptes titulaire : SOCIETE ILE-DE-FRANCE EXPERTISE ET AUDIT - I.F.E.A. Commissaire aux comptes suppléant : SOCIETE RAYMOND BAUMANN ET ASSOCIES. Commentaires : modification survenue sur l' administration.

 

 

 

Synthesized Accounts

 

Annual Accounts

 

31/12/2013

31/12/2010

31/12/2009

Account period (month)

12

12

12

Account Type

Normal

Normal

Normal

Date of capture

15/12/2014

01/09/2011

29/11/2010

Activity Code

4648Z

4648Z

4648Z

Employees

15

14

14

 

Active account

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Capital not called

0

0%

0

0%

0

0

0%

Total fixed assets

176,894

-37.0 %

280,870

172.3 %

103,145

40,200

340.0 %

Intangible assets

17,503

-72.6 %

63,832

99.3 %

32,027

4,713

271.4 %

Tangible assets

136,177

-29.8 %

194,046

303.5 %

48,096

9,130

1391.6 %

Financial assets

23,214

1.0 %

22,992

-0.1 %

23,023

1,513

1434.8 %

Net current assets

5,158,016

6.4 %

4,847,453

28.5 %

3,771,360

343,467

1401.8 %

Stocks

2,937,310

29.8 %

2,262,355

43.3 %

1,579,240

132,630

2114.7 %

Advanced payments

0

0%

0

0%

0

0

0%

Receivables

2,085,630

-10.3 %

2,326,029

47.4 %

1,577,908

62,676

3227.7 %

Securities and cash

135,076

-47.9 %

259,069

-57.8 %

614,212

31,649

326.8 %

Prepaid expenses

-

-

-

-

-

9

-

Accounts of regularization

0

0%

4,298

24.6 %

3,450

0

0%

Total Assets

5,334,910

3.9 %

5,132,621

32.4 %

3,877,955

393,245

1256.6 %

 

Passive Account

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Shareholders' equity

-782,365

-155.4 %

1,411,033

217.4 %

-1,202,215

76,356

-1124.6 %

Share capital

5,000,000

0%

5,000,000

164.1 %

1,893,000

10,000

49900.0 %

Other capital resources

0

0%

0

0%

0

0

0%

Risk Provisions

120,601

2706.0 %

4,298

24.6 %

3,450

0

0%

Liabilities

5,996,671

61.3 %

3,717,289

-25.5 %

4,990,267

266,014

2154.3 %

Financial liabilities

35,456

0.0 %

35,455

0.0 %

35,456

49,596

-28.5 %

Advanced payments received

0

0%

0

0%

0

0

0%

Trade account payables

5,744,010

64.5 %

3,491,876

-26.4 %

4,741,357

64,911

8749.1 %

Tax and social liabilities

195,177

10.9 %

175,918

-0.3 %

176,414

50,915

283.3 %

Other debts and fixed assets liabilities

22,029

56.9 %

14,040

-88.6 %

123,493

9,777

125.3 %

Account regularization

0

0%

0

0%

0

0

0%

Total liabilities

5,334,907

3.9 %

5,132,620

32.4 %

3,877,955

393,245

1256.6 %

 

Results

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Sales of Goods

2,992,525

-16.2 %

3,569,757

27.4 %

2,801,079

610,008

390.6 %

Net turnover

2,957,447

-13.4 %

3,415,826

24.3 %

2,747,761

594,313

397.6 %

of which net export turnover

219,089

-22.9 %

284,151

7.6 %

264,034

470

46564.3 %

Operating charges

3,645,750

-9.9 %

4,046,605

2.3 %

3,954,959

555,686

556.1 %

Operating profit/loss

-653,225

-37.0 %

-476,848

58.7 %

-1,153,880

8,390

-7885.8 %

Financial income

26,891

-8.6 %

29,435

-34.7 %

45,099

28

97685.5 %

Financial charges

40,505

-14.2 %

47,187

152.2 %

18,712

2,360

1616.7 %

Financial profit/loss

-13,615

23.3 %

-17,752

-167.3 %

26,387

-741

-1737.4 %

Pretax net operating income

-666,839

-34.8 %

-494,600

56.1 %

-1,127,493

6,226

-10811.4 %

Extraordinary income

2,999

0%

0

0%

269

5

66544.4 %

Extraordinary charges

540

11.3 %

485

-97.1 %

16,827

418

29.2 %

Extraordinary profit/loss

2,459

607.0 %

-485

97.1 %

-16,558

0

0%

Net result

-661,713

-34.0 %

-493,753

56.8 %

-1,142,451

8,539

-7849.3 %

 

 

Accounts – Active

 

Normal Account

 

31/12/2013

31/12/2010

31/12/2009

Months

12

12

12

 

Grand Total - Active Accounts (I to VI)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Grand Total (I to VI)

Net

5,334,910

3.9 %

5,132,621

32.4 %

3,877,955

Gross

CO

5,749,466

-2.8 %

5,917,541

20.8 %

4,898,063

Amortisation

1A

414,556

-47.2 %

784,920

-23.1 %

1,020,108

 

Non declared distributed capital (I)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Non declared distributed capital (I)

AA3

0

0%

0

0%

0

Gross

AA

0

0%

0

0%

0

 

Active fixed asset (II)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total Active fixed asset (II)

Net

176,894

-37.0 %

280,870

172.3 %

103,145

Gross

BJ

512,091

11.7 %

458,412

2.9 %

445,659

Amortisation

BK

335,197

88.8 %

177,542

-48.2 %

342,513

 

Intangible fixed assets

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Start-up cost

Net

0

0%

0

0%

0

Gross

AB

0

0%

0

0%

0

Amortisation

AC

0

0%

0

0%

0

R&D expenses

Net

0

0%

0

0%

0

Gross

CX

0

0%

0

0%

0

Amortisation

AE

0

0%

0

0%

0

Distributorships, patents

Net

12,872

-78.3 %

59,201

116.1 %

27,396

Gross

AF

133,445

5.2 %

126,899

21.1 %

104,806

Amortisation

AG

120,573

78.1 %

67,698

-12.5 %

77,410

Goodwill

Net

4,631

0%

4,631

0%

4,631

Gross

AH

4,631

0%

4,631

0%

4,631

Amortisation

AI

0

0%

0

0%

0

Other intangible fixed assets

Net

0

0%

0

0%

0

Gross

AJ

494

0%

494

0%

494

Amortisation

AK

494

0%

494

0%

494

Pre-payments and downpayments

Net

0

0%

0

0%

0

Gross

AL

0

0%

0

0%

0

Amortisation

AM

0

0%

0

0%

0

Sub Total Intangible asset

Net

17,503

-72.6 %

63,832

99.3 %

32,027

 

Tangilble fixed assets

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Lands

Net

0

0%

0

0%

0

Gross

AN

0

0%

0

0%

0

Amortisation

AO

0

0%

0

0%

0

Buildings

Net

0

0%

0

0%

0

Gross

AP

0

0%

0

0%

0

Amortisation

AQ

0

0%

0

0%

0

Plant

Net

9,369

23.7 %

7,573

0%

0

Gross

AR

29,685

18.3 %

25,096

44.8 %

17,329

Amortisation

AS

20,315

15.9 %

17,523

1.1 %

17,329

Other tangible fixed assets

Net

126,808

-32.0 %

186,473

287.7 %

48,096

Gross

AT

320,623

15.2 %

278,300

-5.8 %

295,376

Amortisation

AU

193,815

111.1 %

91,827

-62.9 %

247,280

Fixed assets in construction

Net

0

0%

0

0%

0

Gross

AV

0

0%

0

0%

0

Amortisation

AW

0

0%

0

0%

0

Advances and payments on account

Net

0

0%

0

0%

0

Gross

AX

0

0%

0

0%

0

Amortisation

AY

0

0%

0

0%

0

Sub Total Tangible asset

Net

136,177

-29.8 %

194,046

303.5 %

48,096

 

Financial assets

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Associates at equity

Net

0

0%

0

0%

0

Gross

CS

0

0%

0

0%

0

Amortisation

CT

0

0%

0

0%

0

Other participations

Net

0

0%

0

0%

0

Gross

CU

0

0%

0

0%

0

Amortisation

CV

0

0%

0

0%

0

Inter-company receivables

Net

0

0%

0

0%

0

Gross

BB

0

0%

0

0%

0

Amortisation

BC

0

0%

0

0%

0

Other investment securities

Net

0

0%

0

0%

0

Gross

BD

0

0%

0

0%

0

Amortisation

BE

0

0%

0

0%

0

Loans

Net

0

0%

0

0%

0

Gross

BF

0

0%

0

0%

0

Amortisation

BG

0

0%

0

0%

0

Other financial assets

Net

23,214

1.0 %

22,992

-0.1 %

23,023

Gross

BH

23,214

1.0 %

22,992

-0.1 %

23,023

Amortisation

BI

0

0%

0

0%

0

Sub Total Financial assets

Net

23,214

1.0 %

22,992

-0.1 %

23,023

 

Current Assets (III)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total Assets

Net

5,158,016

6.4 %

4,847,453

28.5 %

3,771,360

Gross

CJ

5,237,375

-4.0 %

5,454,831

22.6 %

4,448,954

Amortisation

CK

79,359

-86.9 %

607,378

-10.4 %

677,594

 

Stocks

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Raw materials

Net

37,918

-70.2 %

127,183

61.8 %

78,581

Gross

BL

75,783

-55.5 %

170,183

116.6 %

78,581

Amortisation

BM

37,865

-11.9 %

43,000

0%

0

Work in progress (goods)

Net

0

0%

0

0%

0

Gross

BN

0

0%

0

0%

0

Amortisation

BO

0

0%

0

0%

0

Work in progress (services)

Net

0

0%

0

0%

0

Gross

BP

0

0%

0

0%

0

Amortisation

BQ

0

0%

0

0%

0

Semi-finished and finished products

Net

0

0%

0

0%

0

Gross

BR

0

0%

0

0%

0

Amortisation

BS

0

0%

0

0%

0

Goods for resale

Net

2,899,392

35.8 %

2,135,172

42.3 %

1,500,659

Gross

BT

2,922,482

11.0 %

2,633,582

23.8 %

2,127,447

Amortisation

BU

23,090

-95.4 %

498,410

-20.5 %

626,788

Sub Total Stocks

Net

2,937,310

29.8 %

2,262,355

43.3 %

1,579,240

 

Advance payments to suppliers

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Advance payments to suppliers

Net

0

0%

0

0%

0

Gross

BV

0

0%

0

0%

0

Amortisation

BW

0

0%

0

0%

0

 

Debtors

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Trade accounts receivable

Net

1,838,029

-10.2 %

2,046,816

41.6 %

1,445,694

Gross

BX

1,856,433

-12.1 %

2,112,784

41.2 %

1,496,500

Amortisation

BY

18,405

-72.1 %

65,968

29.8 %

50,806

Other debtors

Net

204,212

9.2 %

187,052

135.9 %

79,290

Gross

BZ

204,212

9.2 %

187,052

135.9 %

79,290

Amortisation

CA

0

0%

0

0%

0

Capital subscribed and called up

Net

0

0%

0

0%

0

Gross

CB

0

0%

0

0%

0

Amortisation

CC

0

0%

0

0%

0

Sub Total debtors

Net

2,042,241

-8.6 %

2,233,868

46.5 %

1,524,984

 

Divers

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Investment securities

Net

100,000

-50.0 %

200,000

0%

200,000

Gross

CD

100,000

-50.0 %

200,000

0%

200,000

Amortisation

CE

0

0%

0

0%

0

Cash and cash equivalents

Net

35,076

-40.6 %

59,069

-85.7 %

414,212

Gross

CF

35,076

-40.6 %

59,069

-85.7 %

414,212

Amortisation

CG

0

0%

0

0%

0

Sub Total Divers

Net

135,076

-47.9 %

259,069

-57.8 %

614,212

 

Prepaid expenses

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Prepaid expenses

Net

43,389

-52.9 %

92,161

74.1 %

52,924

Gross

CH

43,389

-52.9 %

92,161

74.1 %

52,924

Amortisation

CI

0

0%

0

0%

0

 

Equalization accounts (IV to VI)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Multi-period charges

CW3

0

0%

0

0%

0

Gross

0

0%

0

0%

0

Premiums on redemption of bonds

CM3

0

0%

0

0%

0

Gross

0

0%

0

0%

0

Currency differential gain

CN3

0

0%

4,298

24.6 %

3,450

Gross

0

0%

4,298

24.6 %

3,450

 

References

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Due within one year

CP

0

0%

0

0%

0

Due after one year

CR

22,399

-70.6 %

76,230

0%

0

 

 

Accounts – Passive

 

Grand Total - Passive Accounts (I to V)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Grand Total (I to V)

EE

5,334,907

3.9 %

5,132,620

32.4 %

3,877,955

 

Shareholder Equity (I)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total shareholders' equity (Total I)

DL

-782,365

-155.4 %

1,411,033

217.4 %

-1,202,215

Equity and shareholders' equity

DA

5,000,000

0%

5,000,000

164.1 %

1,893,000

Issue and merger premiums

DB

0

0%

0

0%

0

Revaluation differentials

DC

0

0%

0

0%

0

Of which equity differential

EK

0

0%

0

0%

0

Legal reserve

DD

0

0%

0

0%

0

Statutory or contractual reserve

DE

0

0%

0

0%

0

Special regulated reserves

DF

0

0%

0

0%

0

Of which special reserve of provisions for current fluctuation

B1

0

0%

0

0%

0

Other reserves

DG

0

0%

0

0%

0

Of which reserve for buying originals works from alive artists

EJ

0

0%

0

0%

0

Profits or losses brought forward

DH

-5,120,652

-65.4 %

-3,095,214

-58.5 %

-1,952,763

Profit or loss for the period

DI

-661,713

-34.0 %

-493,753

56.8 %

-1,142,452

Investment grants

DJ

0

0%

0

0%

0

Special tax-allowable reserves

DK

0

0%

0

0%

0

 

Other capital resources (II)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total other capital resources (Total II)

DO

0

0%

0

0%

0

Income from participating securities

DM

0

0%

0

0%

0

Conditional loans

DN

0

0%

0

0%

0

 

Provisions for risks and charges (III)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total provisions for risks and charges (Total III)

DR

120,601

2706.0 %

4,298

24.6 %

3,450

Risk provisions

DP

0

0%

4,298

24.6 %

3,450

Reserves for charges

DQ

120,601

0%

0

0%

0

 

Liabilities (IV)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total Liabilities (Total IV)

EC

5,996,671

61.3 %

3,717,289

-25.5 %

4,990,267

Convertible debentures

DS

0

0%

0

0%

0

Other debentures

DT

0

0%

0

0%

0

Bank loans and liabilities

DU

0

0%

0

0%

0

Sundry loans and financial liabilities

DV

35,456

0.0 %

35,455

0.0 %

35,456

Of which participating loans

EI

0

0%

0

0%

0

Advance payments received for current orders

DW

0

0%

0

0%

0

Trade accounts payables

DX

5,744,010

64.5 %

3,491,876

-26.4 %

4,741,357

Tax and social security liabilities

DY

195,177

10.9 %

175,918

-0.3 %

176,414

Fixed asset liabilities

DZ

1,331

0%

1,331

0%

0

Other debts

EA

20,698

62.9 %

12,709

-65.7 %

37,040

 

Translation loss (V)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Translation loss (Total V)

ED

0

0%

0

0%

86,453

 

Equalization accounts

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Deferred income

EB

0

0%

0

0%

0

 

References

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Of which tax-allowable reserve

EF

0

0%

0

0%

0

Deferred income and liabilities

EG

5,961,215

61.9 %

3,681,835

88.3 %

1,954,811

Of which current bank facilities

EH

0

0%

0

0%

0

 

 

Result account

 

1 - Operating result (I-II)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Operating result (Total I-II)

GG

-653,225

-37.0 %

-476,848

58.7 %

-1,153,880

 

2 - Financial result (V-VI)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Financial result (Total V-VI)

GV

-13,615

23.3 %

-17,752

-167.3 %

26,387

 

3 - Pre-tax net operating income result (I to VI)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Pre-tax net operating income (Total I-II+II-IV+V-VI)

GW

-666,839

-34.8 %

-494,600

56.1 %

-1,127,493

 

4 - Extraordinary result (VII-VIII)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Extraordinary result (Total VII-VIII)

HI

2,459

607.0 %

-485

97.1 %

-16,558

 

Profit or loss

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Profit or loss

HN

-661,713

-34.0 %

-493,753

56.8 %

-1,142,451

 

Total Income (I+III+V+VII)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total Income (Total I+III+V+VII)

HL

3,022,414

-16.0 %

3,599,192

26.4 %

2,846,447

 

Total Charges (Total II+IV+VI+VIII+IX+X)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total Charges (Total II+IV+VI+VIII+IX+X)

HM

3,684,128

-10.0 %

4,092,944

2.6 %

3,988,898

 

Operating income (I)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total operating income (Total I)

FR

2,992,525

-16.2 %

3,569,757

27.4 %

2,801,079

 

Operating income (details)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sale of goods for resale

FC

2,941,290

-11.6 %

3,325,958

23.0 %

2,705,016

France

FA

2,723,176

-11.2 %

3,066,501

25.7 %

2,438,687

Export

FB

218,114

-15.9 %

259,457

-2.6 %

266,329

Sale of goods produced

FF

-18,000

-134.8 %

51,731

50.5 %

34,377

France

FD

0

0%

51,731

50.5 %

34,377

Export

FE

-18,000

0%

0

0%

0

Sale of services

FI

34,157

-10.4 %

38,137

355.7 %

8,368

France

FG

15,182

12.9 %

13,443

26.1 %

10,663

Export

FH

18,976

-23.2 %

24,694

1176.0 %

-2,295

Net turnover

FL

2,957,447

-13.4 %

3,415,826

24.3 %

2,747,761

France

FJ

2,738,358

-12.6 %

3,131,675

26.1 %

2,483,727

Export

FK

219,089

-22.9 %

284,151

7.6 %

264,034

Stocked production

FM

0

0%

0

0%

0

Self-constructed assets

FN

0

0%

0

0%

0

Operating grants

FO

2,750

0%

0

0%

2,000

Release of reserves and provisions

FP

28,910

-79.0 %

137,965

249.0 %

39,526

Other income

FQ

3,418

-78.6 %

15,966

35.4 %

11,792

 

Operating charges (II)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total operating charges (Total II)

GF

3,645,750

-9.9 %

4,046,605

2.3 %

3,954,959

 

Exploitation charges

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Purchase of goods for resale

FS

2,047,288

-25.4 %

2,743,959

84.9 %

1,484,151

Change in stocks of goods for resale

FT

-305,343

39.7 %

-506,135

-242.2 %

356,001

Purchase of raw materials

FU

35,190

-33.0 %

52,521

5.4 %

49,852

Change in stocks of raw materials

FV

-2,162

97.6 %

-91,602

-1364.0 %

7,247

Other external purchases and charges

FW

858,407

-0.2 %

859,835

10.2 %

780,355

Tax, duty and similar payments

FX

73,112

-9.8 %

81,050

-11.9 %

92,015

Payroll

FY

568,201

5.6 %

537,949

4.2 %

516,401

Social security costs

FZ

258,277

4.5 %

247,151

6.9 %

231,201

 

Depreciation

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Depreciation of fixed assets

GA

56,263

52.1 %

36,982

28.5 %

28,776

Amortisation of fixed assets

GB

0

0%

0

0%

0

Depreciation/amortisation of current assets

GC

13,546

-79.4 %

65,775

-82.5 %

376,779

Provisions for risks and charges

GD

17,701

0%

0

0%

0

 

Other charges

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Other charges

GE

25,270

32.2 %

19,120

-40.6 %

32,181

 

Operating charges (III-IV)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Share of joint-venture transferred to other partner(s) (Total III)

GH

0

0%

0

0%

0

Share of joint venture transferred from other partner(s) (Total IV)

GI

0

0%

0

0%

0

 

Financial income (V)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total financial income (Total V)

GP

26,891

-8.6 %

29,435

-34.7 %

45,099

Share financial income

GJ

0

0%

950

-37.7 %

1,526

Other investment income & capitalised receivables

GK

0

0%

0

0%

0

Other interest and similar income

GL

440

0%

0

0%

0

Released provisions and transferred charges

GM

0

0%

3,450

0%

0

Exchange gains

GN

26,450

5.7 %

25,035

-42.5 %

43,573

Net income from disposal of investment securities

GO

0

0%

0

0%

0

 

Financial charge (VI)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total financial charge (Total VI)

GU

40,505

-14.2 %

47,187

152.2 %

18,712

Financial reserves and provisions

GQ

0

0%

4,298

24.6 %

3,450

Interest and similar charges

GR

14,278

-32.5 %

21,147

48.5 %

14,245

Exchange losses

GS

26,228

20.6 %

21,742

2037.9 %

1,017

Net loss from disposal of investment securities

GT

0

0%

0

0%

0

 

Extraordinary income (VII)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total extraordinary income (Total VII)

HD

2,999

0%

0

0%

269

Extraordinary operating income

HA

2,999

0%

0

0%

269

Extraordinary income from capital transactions

HB

0

0%

0

0%

0

Released provisions and transferred charges

HC

0

0%

0

0%

0

 

Extraordinary charges (VIII)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total extraordinary charges (Total VIII)

HH

540

11.3 %

485

-97.1 %

16,827

Extraordinary operating charges

HE

540

83.1 %

295

-93.8 %

4,746

Extraordinary charges from capital transactions

HF

0

0%

0

0%

5,556

Extraordinary reserves and provisions

HG

0

0%

190

-97.1 %

6,525

 

Employee profit sharing (IX)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Employee profit sharing (Total IX)

HJ

0

0%

0

0%

0

 

Tax on profits (X)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Tax on profits (Total X)

HK

-2,667

-100.1 %

-1,333

16.7 %

-1,600

 

References

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Of which equipment leases

HP

0

0%

0

0%

0

Of which property leases

HQ

0

0%

0

0%

0

Of which transferred charges

A1

416

-78.9 %

1,973

0%

0

Of which trader's own contributions

A2

0

0%

0

0%

0

Of which royalties on licences and patents (income)

A3

0

0%

0

0%

0

Of which royalties on licences and patents (charges)

A4

21,600

80.0 %

12,000

0%

0

 

 

Other incomes tax return forms

 

Fixed Assets

 

Grand Total Fixed Assets (I to IV)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Gross value at begin of period

OG

0

0%

0

0%

0

Increasess due to revaluation

OH

0

0%

0

0%

0

Decreasess, acquisitions, creations, contributions

OJ

0

0%

0

0%

0

Decreasess by budget item transfer

OK1

0

0%

0

0%

0

Decreasess by transfers

OK2

0

0%

202,174

171.6 %

74,435

Gross value at the end of period

OL

512,091

11.7 %

458,411

2.9 %

445,658

 

Research and development Charge (Total I)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Gross value at begin of period

CZ

0

0%

0

0%

2,500

Increasess due to revaluation

KB

0

0%

0

0%

0

Increasess, acquisitions, creations, contributions

KC

0

0%

0

0%

0

Decreasess by budget item transfer

CO1

0

0%

0

0%

0

Decreasess by transfers

CO2

0

0%

0

0%

2,500

Gross value at the end of period

DO

0

0%

0

0%

0

 

Other budget item from Intangible fixed assets (Total II)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Gross value at begin of period

KD

129,045

17.4 %

109,930

-23.8 %

144,207

Increasess due to revaluation

KE

0

0%

0

0%

0

Increasess, acquisitions, creations, contributions

KF

9,524

-79.9 %

47,351

57.0 %

30,157

Decreasess by budget item transfer

LV1

0

0%

0

0%

0

Decreasess by transfers

LV2

0

0%

25,258

-60.8 %

64,434

Gross value at the end of period

LW

138,569

5.0 %

132,023

20.1 %

109,930

 

Tangible fixed assets (Total III)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Gross value at begin of period

LN

345,308

10.4 %

312,705

4.0 %

300,750

Increasess due to revaluation

LO

0

0%

0

0%

0

Increasess, acquisitions, creations, contributions

LP

5,000

-97.0 %

167,575

1301.7 %

11,955

Decreasess by budget item transfer

NG1

0

0%

0

0%

0

Decreasess by transfers

NG2

0

0%

176,884

0%

0

Gross value at the end of period

NH

350,308

15.5 %

303,396

-3.0 %

312,705

 

Financial assets (Total IV)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Gross value at begin of period

LQ

23,214

0.8 %

23,023

-24.6 %

30,524

Increasess due to revaluation

LR

0

0%

0

0%

0

Increasess, acquisitions, creations, contributions

LS

0

0%

0

0%

0

Decreasess by budget item transfer

NJ1

0

0%

0

0%

0

Decreasess by transfers

NJ2

0

0%

31

-99.6 %

7,501

Gross value at the end of period

NK

23,214

1.0 %

22,992

-0.1 %

23,023

 

 

Reserve for depreciation

 

Situation and movement of reserve for depreciation - Grand total (I-II-III)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Reserve for depreciation value at begin of period

ON

0

0%

0

0%

0

Increases

OP

0

0%

0

0%

0

Decreasess

OQ

0

0%

0

0%

0

Reserve for depreciation value at the end of period

OR

0

0%

0

0%

0

 

Research and development charge (Total I)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Reserve for depreciation value at begin of period

CY

0

0%

0

0%

0

Increases

PB

0

0%

0

0%

0

Decreasess

PC

0

0%

0

0%

0

Decreasess by budget item transfer

PD

0

0%

0

0%

0

 

Other intangible assets (Total II)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Reserve for depreciation value at begin of period

PE

100,285

28.7 %

77,904

-35.1 %

120,006

Increases

PF

20,782

33.7 %

15,547

-30.4 %

22,332

Decreasess

PG

0

0%

25,258

-60.8 %

64,434

Decreasess by budget item transfer

PH

121,067

77.5 %

68,193

-12.5 %

77,904

 

Total fixed assets amotisation (Total III)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Reserve for depreciation value at begin of period

QU

178,651

-32.5 %

264,610

5.2 %

251,641

Increases

QV

35,482

64.1 %

21,626

66.8 %

12,969

Decreases

QW

0

0%

176,885

0%

0

Decreasess by budget item transfer

QX

214,133

95.8 %

109,351

-58.7 %

264,610

 

 

Movements during period affecting charge allocated over several period

 

Deferred charges and debt issuance costs

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Gross value at begin of period

Z91

0

0%

0

0%

0

Increases

Z92

0

0%

0

0%

0

Depreciation of fixed assets during period

Z9

0

0%

0

0%

0

Decreasess by budget item transfer

B1

0

0%

0

0%

0

 

Premium refund of obligations

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Net value at begin of period

SP1

0

0%

0

0%

0

Increases

SP2

0

0%

0

0%

2,500

Depreciation of fixed assets during period

SP

0

0%

0

0%

0

Net value at the end of period

SR

0

0%

0

0%

0

 

 

Provisions included in balance sheet

 

Grand Total (I-II-III)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Value at begining of period

7C

197,207

-71.0 %

681,045

110.1 %

324,100

Increases

UB

31,247

-55.4 %

70,074

-81.6 %

380,230

Decreases

UC

28,493

-79.6 %

139,440

252.8 %

39,526

Value at the end of period

UD

199,960

-67.3 %

611,679

-10.2 %

681,045

 

Includes Total allocations

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Operating

UE

31,247

-52.5 %

65,775

-82.5 %

376,779

Financial

UG

0

0%

4,298

24.6 %

3,450

Exceptional

UJ

0

0%

0

0%

0

 

Includes Total Withdrawal

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Operating

UF

28,493

-79.0 %

135,991

244.1 %

39,526

Financial

UH

0

0%

3,450

0%

0

Exceptional

UK

0

0%

0

0%

0

 

Total regulated provisions (Total I)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Value at begining of period

3Z

0

0%

0

0%

0

Increases

TS

0

0%

0

0%

0

Decreases

TT

0

0%

0

0%

0

Value at the end of period

TU

0

0%

0

0%

0

 

Total risk and charge provisions (Total II)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Value at begining of period

5Z

109,304

3068.2 %

3,450

0%

0

Increases

TV

17,701

311.8 %

4,298

24.6 %

3,450

Decreases

TW

6,404

85.6 %

3,450

0%

0

Value at the end of period

TX

120,601

2706.0 %

4,298

24.6 %

3,450

 

Total Provision for depreciation (Total III)

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Value at begining of period

7B

87,903

-87.0 %

677,594

109.1 %

324,100

Increases

TY

13,546

-79.4 %

65,775

-82.5 %

376,779

Decreases

TZ

22,089

-83.8 %

135,991

244.1 %

39,526

Value at the end of period

UA

79,360

-86.9 %

607,378

-10.4 %

677,594

 

State deadlines claims and debts at the end of period

State claims

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Gross value

VT

2,127,249

-11.9 %

2,414,989

46.2 %

1,651,738

1 year at most

VU

2,081,635

-10.1 %

2,315,767

47.1 %

1,574,062

More than one year

VV

45,613

-54.0 %

99,222

27.7 %

77,676

 

State of loans

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Claims related to holdings (gross)

UL

0

0%

0

0%

0

Claims related to shareholdings (1 year at most)

UM

0

0%

0

0%

0

Loans (gross)

UP

0

0%

0

0%

0

Loans (1 year at most)

UR

0

0%

0

0%

0

Other financial assets (gross)

UT

23,214

1.0 %

22,992

-0.1 %

23,023

Other financial assets (1 year at most)

UV

0

0%

0

0%

0

 

Receivables statement of assets

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Customers doubtful or disputed

VA

22,399

-70.6 %

76,230

39.5 %

54,653

Other claims customer

UX

1,834,034

-9.9 %

2,036,554

41.2 %

1,441,848

Receivables represent Loaned Securities

UU

0

0%

0

0%

0

Provision for depreciation previously established

UQ

0

0%

0

0%

0

Personnel and associated accounts

UY

1,500

-58.4 %

3,609

0.0 %

3,610

Social Security and other social organizations

UZ

0

0%

0

0%

4,921

Income taxes

VM

14,234

967.8 %

1,333

-16.7 %

1,600

Value added tax

VB

89,158

-20.3 %

111,851

398.3 %

22,448

Other taxes and payments assimilated

VN

0

0%

2,231

0%

0

State and other public - Miscellaneous

VP

0

0%

0

0%

0

Group and Associates

VC

0

0%

0

0%

0

Accounts receivable (including claims relating to the operation of pension titles)

VR

99,321

46.0 %

68,026

45.6 %

46,712

 

Prepaid

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Prepaid

VS

43,389

-52.9 %

92,161

74.1 %

52,924

 

State Debt

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Total debt (gross)

VY

5,996,671

61.3 %

3,717,291

-25.5 %

4,990,267

1 year at most

VZ2

5,961,215

61.9 %

3,681,836

88.3 %

1,954,811

More than 1 year and 5 years at most

VZ3

0

0%

35,455

-98.8 %

3,035,456

More than 5 years

VZ4

35,456

0%

0

0%

0

 

Details

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Convertible bonds (gross)

7Y1

0

0%

0

0%

0

1 year at most

7Y2

0

0%

0

0%

0

More than 1 year and 5 years at most

7Y3

0

0%

0

0%

0

Other bonds (gross)

7Z1

0

0%

0

0%

0

1 year at most

7Z2

0

0%

0

0%

0

More than 1 year and 5 years at most

7Z3

0

0%

0

0%

0

Borrowing & debts to 1 year maximum at the origin (gross)

VG1

0

0%

0

0%

0

1 year at most

VG2

0

0%

0

0%

0

More than 1 year and 5 years at most

VG3

0

0%

0

0%

0

Borrowing & debts to more than 1 year at the origin (gross)

VH1

0

0%

0

0%

0

1 year at most

VH2

0

0%

0

0%

0

More than 1 year and 5 years at most

VH3

0

0%

0

0%

0

Loans and various financial liabilities (gross)

8A1

0

0%

0

0%

0

1 year at most

8A2

0

0%

0

0%

0

More than 1 year and 5 years at most

8A3

0

0%

0

0%

0

Suppliers and associated accounts (gross)

8B1

5,744,010

64.5 %

3,491,876

-26.4 %

4,741,357

1 year at most

8B2

5,744,010

64.5 %

3,491,876

-26.4 %

4,741,357

More than 1 year and 5 years at most

8B3

5,744,010

64.5 %

3,491,876

-26.4 %

4,741,357

Personnel and associated accounts (gross)

8C1

71,291

3.4 %

68,920

21.3 %

56,810

1 year at most

8C2

71,291

3.4 %

68,920

21.3 %

56,810

More than 1 year and 5 years at most

8C3

0

0%

0

0%

0

Social Security and other social organizations (gross)

8D1

119,970

15.6 %

103,806

16.3 %

89,289

1 year at most

8D2

119,970

15.6 %

103,806

16.3 %

89,289

More than 1 year and 5 years at most

8D3

0

0%

0

0%

0

Taxes on profits (gross)

8E1

0

0%

0

0%

0

1 year at most

8E2

0

0%

0

0%

0

More than 1 year and 5 years at most

8E3

0

0%

0

0%

0

VAT (Gross)

VW1

656

0%

0

0%

0

1 year at most

VW2

656

0%

0

0%

0

More than 1 year and 5 years at most

VW3

0

0%

0

0%

0

Backed Obligations (gross)

VX1

0

0%

0

0%

0

1 year at most

VX2

0

0%

0

0%

0

More than 1 year and 5 years at most

VX3

0

0%

0

0%

0

Other taxes and assimilated (gross)

VQ1

3,261

2.2 %

3,192

-89.5 %

30,315

1 year at most

VQ2

3,261

2.2 %

3,192

-89.5 %

30,315

More than 1 year and 5 years at most

VQ3

0

0%

0

0%

0

Assets and liabilities associated accounts (gross)

8J1

1,331

0%

1,331

0%

0

1 year at most

8J2

1,331

0%

1,331

0%

0

More than 1 year and 5 years at most

8J3

0

0%

0

0%

0

More than 5 years

8J4

0

0%

0

0%

0

Groups and associates (gross)

VI1

35,456

0.0 %

35,455

0.0 %

35,456

1 year at most

VI2

0

0%

0

0%

0

More than 1 year and 5 years at most

VI3

0

0%

35,455

0.0 %

35,456

More than 5 years

V14

35,456

0%

0

0%

0

Other liabilities (gross)

8K1

20,698

62.9 %

12,709

-65.7 %

37,040

1 year at most

8K2

20,698

62.9 %

12,709

-65.7 %

37,040

More than 1 year and 5 years at most

8K3

0

0%

0

0%

0

Debt representative of borrowed securities (gross)

SZ1

0

0%

0

0%

0

1 year at most

SZ2

0

0%

0

0%

0

More than 1 year and 5 years at most

SZ3

0

0%

0

0%

0

Products in advance (gross)

8L1

0

0%

0

0%

0

1 year at most

8L2

0

0%

0

0%

0

More than 1 year and 5 years at most

8L3

0

0%

0

0%

0

 

References

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Loans made during the period

VJ

0

0%

0

0%

0

Debt repaid during the period

VK

0

0%

0

0%

0

 

 

Table allocation results and other information

 

Dividends distributed

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Dividends

ZE

0

0%

0

0%

0

 

Commitments

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Commitments leasing furniture

YQ

0

0%

0

0%

0

Commitments Real Estate Leasing

YR

0

0%

0

0%

0

Effects brought to the discount and unmatured

YS

0

0%

0

0%

0

 

Other charges Externes

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Subcontracting

YT

0

0%

0

0%

0

Rentals, rental charges and condominiums

XQ

0

0%

0

0%

0

Staff outside the company

YU

0

0%

0

0%

0

Remuneration intermediaries and fees (excluding fees)

SS

0

0%

0

0%

0

Fees, commissions and brokerage

YV

0

0%

0

0%

0

Other accounts

ST

0

0%

0

0%

0

Total Other purchases and external

ZJ

0

0%

0

0%

0

 

Taxes and Fees

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Business tax

YW

0

0%

0

0%

0

Other taxes and payments assimilated

9Z

0

0%

0

0%

0

Total taxes and fees

YX

0

0%

0

0%

0

 

VAT

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Amount VAT collected

YY

0

0%

0

0%

0

Total VAT on goods and services

YZ

0

0%

0

0%

0

 

Average number of employees

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Average number of employees

YP

15

7.1 %

14

0%

14

 

Groups and Shareholders

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Groups and Shareholders

ZR

0

-

-

-

-

 

 

Ratios

 

Structure and Liquidity

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Fixed Asset Financing

-0.57

-116.1 %

3.55

292.9 %

-1.84

2.73

-120.9 %

Global Debt

730 days

86.2 %

392 days

-40.1 %

654 days

176 days

314.8 %

Working Capital Fund overall net

-98 days

-179.7 %

123 days

174.1 %

-166 days

102 days

-196.1 %

Financial independence

-2,206.58 %

-155.4 %

3,979.79 %

217.4 %

-3,390.72 %

131.95 %

-1772.3 %

Solvability

-14.67 %

-153.4 %

27.49 %

188.7 %

-31.00 %

34.74 %

-142.2 %

Capacity debt futures

-

-

-

-

-

703.84 %

-

Coverage of current assets by net working capital overall

-15.17 %

-172.1 %

21.03 %

176.3 %

-27.56 %

48.96 %

-131.0 %

General Liquidity

0.35

-44.4 %

0.63

-22.2 %

0.81

0.43

-18.6 %

Restricted Liquidity

0.37

-47.1 %

0.70

-37.5 %

1.12

0.68

-45.6 %

 

Management or rotation

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Need background in operating working capital

-119 days

-238.4 %

86 days

135.5 %

-242 days

67 days

-277.6 %

Treasury

16 days

-40.7 %

27 days

-66.3 %

80 days

10 days

60.0 %

Inventory turnover of goods

604 days

42.5 %

424 days

1.9 %

416 days

184 days

229.2 %

Average length of credit granted to customers

226 days

1.3 %

223 days

13.8 %

196 days

39 days

479.5 %

Average length of credit obtained suppliers

785 days

91.0 %

411 days

-35.5 %

637 days

54 days

1353.7 %

Inventory turnover of raw materials in industrial enterprises

108 days

-44.9 %

196 days

120.2 %

89 days

0 days

0%

Inventory turnover of intermediate and finished products in the industrial enterprise

844 days

-25.0 %

1,126 days

28.1 %

879 days

1,048 days

-19.4 %

Rotation tangible assets

844.24 %

-25.0 %

1,125.86 %

28.1 %

878.71 %

1,150.22 %

-26.6 %

 

Profitability of the business

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Margin trading

40.55 %

27.3 %

31.86 %

1.2 %

31.48 %

37.45 %

8.3 %

Profitability of the business

-19.37 %

-30.0 %

-14.90 %

46.7 %

-27.93 %

3.34 %

-679.9 %

Net profit

-22.37 %

-54.8 %

-14.45 %

65.2 %

-41.58 %

1.51 %

-1581.5 %

Growth rate of turnover (excluding VAT)

-13.42 %

-155.2 %

24.31 %

213.5 %

-21.41 %

-6.14 %

-118.6 %

Rates integration

10.96 %

4.8 %

10.46 %

310.2 %

2.55 %

21.91 %

-50.0 %

Rate leasing furniture

0.00 %

0%

0.00 %

0%

0.00 %

0.00 %

0%

Work Factor

255.03 %

16.0 %

219.76 %

-79.4 %

1,065.64 %

62.35 %

309.0 %

Weight interests

1.37 %

-0.7 %

1.38 %

102.9 %

0.68 %

0.42 %

226.2 %

 

Return on capital

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Cash flow from the overall profitability

-21.44 %

-23.8 %

-17.32 %

58.2 %

-41.40 %

2.14 %

-1101.9 %

Rates of economic profitability

77.00 %

320.0 %

-35.00 %

-153.0 %

66.00 %

9.00 %

755.6 %

Financial profitability

-782,365.00 %

-155.4 %

1,411,033.00 %

217.4 %

-1,202,215.00 %

58,259.00 %

-1442.9 %

Return on investment

83.17 %

369.4 %

-30.87 %

-132.1 %

96.31 %

7.74 %

974.5 %

 

Management intermediate balances

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Turnover

2,957,447

-13.4 %

3,415,826

24.3 %

2,747,761

594,313

397.6 %

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Sales of goods

2,941,290

-11.6 %

3,325,958

23.0 %

2,705,016

-

- Purchase of goods

2,047,288

-25.4 %

2,743,959

84.9 %

1,484,151

-

+/- Stock of goods variation

-305,343

39.7 %

-506,135

-242.2 %

356,001

-

Trading margin

1,199,345 €

10.2 %

1,088,134 €

25.8 %

864,864 €

139,675 €

758.7 %

40.55 % CA

27.3 %

31.86 % CA

1.2 %

31.48 % CA

38.60 % CA

5.1 %

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Sale of goods produced

16,157

-82.0 %

89,868

110.2 %

42,745

-

+/- Stocked production

0

0%

0

0%

0

-

+ Self-constructed assets

0

0%

0

0%

0

-

Period production

16,157 €

-82.0 %

89,868 €

110.2 %

42,745 €

12,595 €

28.3 %

0.55 % CA

-79.1 %

2.63 % CA

68.6 %

1.56 % CA

1.95 % CA

-71.8 %

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Trading margin

1,199,345

10.2 %

1,088,134

25.8 %

864,864

139,675

758.7 %

+ Period Production

16,157

-82.0 %

89,868

110.2 %

42,745

12,595

28.3 %

- Purchase of raw materials

35,190

-33.0 %

52,521

5.4 %

49,852

-

+/- Change in stocks of raw materiels

-2,162

97.6 %

-91,602

-1364.0 %

7,247

-

- Other external purchases and charges

858,407

-0.2 %

859,835

10.2 %

780,355

-

Added value

324,067 €

-9.3 %

357,248 €

409.2 %

70,155 €

111,200 €

191.4 %

10.96 % CA

4.8 %

10.46 % CA

310.2 %

2.55 % CA

21.91 % CA

-50.0 %

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Added value

324,067 €

-9.3 %

357,248 €

409.2 %

70,155 €

111,200 €

191.4 %

+ Operating grants

2,750

0%

0

0%

2,000

-

- Tax, duty and similar payments

73,112

-9.8 %

81,050

-11.9 %

92,015

-

- Personal charges

826,478

5.3 %

785,100

5.0 %

747,602

-

Gross operating surplus

-572,773 €

-12.6 %

-508,902 €

33.7 %

-767,462 €

11,669 €

-5008.5 %

-19.37 % CA

-30.0 %

-14.90 % CA

46.7 %

-27.93 % CA

3.34 % CA

-679.9 %

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Gross operating surplus

-572,773 €

-12.6 %

-508,902 €

33.7 %

-767,462 €

11,669 €

-5008.5 %

+ Release of reserves and provisions

28,910

-79.0 %

137,965

249.0 %

39,526

-

+ Other operating income

3,418

-78.6 %

15,966

35.4 %

11,792

-

- Depreciation/ Amortisation

87,510

-14.8 %

102,757

-74.7 %

405,555

-

- Other charges

25,270

32.2 %

19,120

-40.6 %

32,181

-

Operating result

-653,225 €

-37.0 %

-476,848 €

58.7 %

-1,153,880 €

8,391 €

-7885.3 %

-22.09 % CA

-58.2 %

-13.96 % CA

66.8 %

-41.99 % CA

2.23 % CA

-1090.6 %

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Operating result

-653,225 €

-37.0 %

-476,848 €

58.7 %

-1,153,880 €

8,391 €

-7885.3 %

+/- Result of joint-venture transferred from/to other partners

0

0%

0

0%

0

-

+ Financial income

26,891

-8.6 %

29,435

-34.7 %

45,099

-

- Financial charges

40,505

-14.2 %

47,187

152.2 %

18,712

-

Pre-tax result

-666,839 €

-34.8 %

-494,600 €

56.1 %

-1,127,493 €

6,226 €

-10811.4 %

-22.55 % CA

-55.7 %

-14.48 % CA

64.7 %

-41.03 % CA

1.63 % CA

-1483.4 %

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Extraordinary income

2,999

0%

0

0%

269

5

66544.4 %

- Extraordinary charges

540

11.3 %

485

-97.1 %

16,827

-

Extraordinary result

2,459 €

607.0 %

-485 €

97.1 %

-16,558 €

0 €

0%

0.08 % CA

900.0 %

-0.01 % CA

98.3 %

-0.60 % CA

0.00 % CA

0%

 

31/12/2013

Variation

31/12/2010

Variation

31/12/2009

Sector Median 2013

Pre-tax result

-666,839 €

-34.8 %

-494,600 €

56.1 %

-1,127,493 €

6,226 €

-10811.4 %

Extraordinary result

2,459 €

607.0 %

-485 €

97.1 %

-16,558 €

0 €

0%

- Employee profit sharing

0

0%

0

0%

0

-

- Tax on profits

-2,667

-100.1 %

-1,333

16.7 %

-1,600

-

Net result

-661,713 €

-34.0 %

-493,752 €

56.8 %

-1,142,451 €

8,096 €

-8273.3 %

-22.37 % CA

-54.8 %

-14.45 % CA

65.2 %

-41.58 % CA

1.51 % CA

-1581.5 %

 

 

 

 

 

 

 

 

 

 

 


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.66.26

UK Pound

1

Rs.101.99

Euro

1

Rs.74.79

 

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.