MIRA INFORM REPORT

 

 

Report No. :

338944

Report Date :

07.09.2015

 

IDENTIFICATION DETAILS

 

Name :

SAVATECH D.O.O.

 

 

Registered Office :

Škofjeloška cesta 6, 4000 Kranj

 

 

Country :

Slovenia

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

05.12.2001

 

 

Com. Reg. No.:

10691000

 

 

Legal Form :

Limited liability company (Ltd.)

 

 

Line of Business :

Manufacture of other rubber products.

 

 

No. of Employee :

805

 

 

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)

Slovenia

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SLOVENIA ECONOMIC OVERVIEW

 

With excellent infrastructure, a well-educated work force, and a strategic location between the Balkans and Western Europe, Slovenia has one of the highest per capita GDPs in Central Europe, despite having suffered a protracted recession in 2008-2009 in the wake of the global financial crisis. Slovenia became the first 2004 European Union entrant to adopt the euro (on 1 January 2007) and has experienced one of the most stable political transitions in Central and Southeastern Europe. In March 2004, Slovenia became the first transition country to graduate from borrower status to donor partner at the World Bank. In 2007, Slovenia was invited to begin the process for joining the OECD; it became a member in 2012. However, long-delayed privatizations, particularly within Slovenia’s largely state-owned and increasingly indebted banking sector, have fueled investor concerns since 2012 that the country would need EU-IMF financial assistance. In 2013, the European Commission granted Slovenia permission to begin recapitalizing ailing lenders and transferring their nonperforming assets into a “bad bank” established to restore bank balance sheets. Export-led growth fueled by demand in larger European MARKETS pushed GDP growth to 2.6% in 2014, while stubbornly-high unemployment fell slightly to 13%. PM CERAR’s government took office in September 2014, pledging to press ahead with commitments to privatize a select group of state-run companies, rationalize public spending, and further stabilize the banking sector.

 

Source : CIA

 

Company name and address

 

SAVATECH D.O.O.

 

Škofjeloška cesta 6,

4000 Kranj

 

Phone: 04 206 60 80

Telefax: 04 206 64 60

E-Mail: info@savatech.si

Web: www.savatech.si

 

 

Company summary

 

Legal form

d.o.o. - Limited liability company (Ltd.)

 

Established on

05/12/2001 - d.o.o. - Limited liability company (Ltd.)

 

last entry on 11.3.2015

on 31.5.2010 incorporation of the company SAVA-GTI, d.o.o.

 

on ownersshare is a lien registered

 

Registered on

05/12/2001, Kranj, Registration number: 10691000

Tax number: SI13267949

Company number: 1661205

Registered capital

 

EUR

26.367.717,50

 

 

on 4.1.2011 increase of capital for EUR 31.151.053,50

 

Owner

ČESKÁ GUMÁRENSKÁ SPOLEČNOST S.R.O.

Švehlova 1900, 106 24 Praga 10, Czech Republic

EUR

26.367.717,50

 

Manager

Vesna Čadež

Srednja vas - Poljane 1, 4223 Poljane nad Škofjo Loko

Director

 

Rudolf Peca

Turinského 1633, 500 02 Hradec Králové, Czech Republic

Director

General data

Company Activitiy:

manufacture of conveyor belts and technical rubber sheets;

solid and sponge rubber profiles;

offset printing blankets for the printing industry;

environmental protection & rescuing products;

scooter, motorcycle, moped, gokart, mini moto, ATV, bicycle tyres and tyres for industrial and agricultural vehicles, rubber moulded products

laboratory services for the area of elastomers;

design and construction solutions;

services by the R&D insitute.

the company is aktiv from 7. Januar 2002 and took over a part of the activity and employees

from the company Sava d.d.

 

Headquarters and business premises are located on the address above

 

 

Main activity:

Manufacture of other rubber products (NACE 2)

 

 

Export:

Germany

Czech Republic

Poland

Great-Britain

USA

Italy

Russia

 

 

Import:

Germany

France

Italy

China

India

South-Korea

 

 

 

 

Residence address:

Škofjeloška cesta 6, 4000 Kranj

Phone:

04 206 60 80

Telefax:

04 206 64 60

E-Mail:

info@savatech.si

Web:

www.savatech.si  

Other activities

 

NACE 2:

 

 

 

Manufacture of rubber tyres and tubes; retreading and rebuilding of rubber tyres

 

Employees

2008

874 employees

 

2009

748 employees

 

2010

779 employees

 

2012

801 employees

 

2013

753 employees

 

2014

796 employees

 

2015

805 employees

Annual turnover

2008

Enterprise turnover

EUR

98.060.226,-

 

 

2009

Enterprise turnover

EUR

76.625.000,-

 

 

2010

Enterprise turnover

EUR

96.121.441,-

 

 

2011

Enterprise turnover

EUR

113.390.000,-

 

 

2012

Enterprise turnover

EUR

111.693.000,-

 

 

2013

Enterprise turnover

EUR

112.130.716,-

 

 

2014

Enterprise turnover

EUR

115.311.649,-

 

Property

Company's property: Land and buildings

per 31.12.2014

SI-

Book value: 34.757.000,- EUR (Official source)

 

Remarks

company name:

SAVATECH družba za proizvodnjo in trženje gumenotehničnih proizvodov in pnevmatike, d.o.o.

 

Bank relations

SKB BANKA d.d. LJUBLJANA:

Central address: SI Ajdovščina 4, 1513 Ljubljana

Account number: 03138-1000371363

 

GORENJSKA BANKA d.d.:

Central address: SI Bleiweisova cesta 1, 4000 Kranj

Account number: 07000-0000105917

 

Company development

Positive

(20)

Terms of payment

No complaints, but occasional delays

(31)

Business connection

Business connection are premissible

(21)

Credit limit

EUR 1.900.000,-

A. The enclosed balance of 2014 is originated from official source, it is not authenticated by the auditor. (31.12.2014 - 1 EUR)

B. The enclosed balance of 2013 is originated from official source, it is not authenticated by the auditor. (31.12.2013 - 1 EUR)

C. The enclosed balance of 2012 is originated from official source, it is authenticated by the auditor . (31.12.2012 - 1 EUR)

D. The enclosed balance of 2011 is originated from official source, it is authenticated by the auditor . (31.12.2011 - 1 EUR)

 

 

Financial statement

 

balance

A 31.12.2014

B 31.12.2013

C 31.12.2012

D 31.12.2011

ASSETS (AKTIVA)

136.853.302

139.095.340

100.009.000

102.325.000

LONG-TERM ASSETS

64.487.971

99.454.389

58.762.000

55.376.000

Intangible assets and long-term deferred costs and accrued revenues

90.583

148.527

90.000

5.000

Intangible assets

90.583

148.527

90.000

5.000

Long-term deferred costs and accrued revenues

0

0

0

0

Tangible fixed assets

50.156.810

52.091.086

53.391.000

52.962.000

Long-term financial investments and Real estate investments

13.780.020

46.784.518

5.040.000

2.070.000

Investment property

3.712.632

3.806.130

1.600.000

1.589.000

Long-term financial investments

10.067.388

42.978.388

3.440.000

481.000

Long-term operating receivables

6.442

0

0

0

Deferred receivables for taxes

454.116

430.258

241.000

339.000

SHORT-TERM ASSETS

72.304.340

39.597.479

41.205.000

46.849.000

Assets (group for estrange) for sell

0

0

0

0

Inventories

14.399.584

13.814.408

12.192.000

13.160.000

Short-term financial investments

36.261.995

3.770.092

4.892.000

6.377.000

Short-term operating receivables

19.037.818

20.184.847

19.744.000

21.144.000

Cash assets

2.604.943

1.828.132

4.377.000

6.168.000

Short-term deferred costs and accrued revenues

60.991

43.472

42.000

100.000

Off-balance sheet items

51.387.046

51.806.124

0

0

LIABILITIES

136.853.302

139.095.340

100.009.000

102.325.000

CAPITAL

80.392.801

71.363.602

70.161.000

70.988.000

Called-up capital

59.278.717

59.278.717

59.279.000

59.279.000

Basic (subscribed) capital

59.278.717

59.278.717

59.279.000

59.279.000

Non called-up capital (deductive item)

0

0

0

0

Capital reserves

1.508.689

1.508.689

1.509.000

1.509.000

Reserves from profit

2.064.812

1.593.588

1.121.000

767.000

Surplus from revaluation

-395.289

0

0

0

Retained net

8.982.608

0

1.533.000

3.394.000

Net business result for the business year

8.953.264

8.982.608

6.719.000

6.039.000

PROVISIONS AND LONG-TERM ACCRUED COSTS AND DEFERRED REVENUES

2.600.131

2.103.409

2.204.000

2.378.000

FINANCIAL AND BUSINESS LIABILITIES

52.617.322

65.304.981

27.117.000

28.396.000

LONG-TERM LIABILITIES

33.684.208

44.912.277

0

0

Long-term financial liabilities

33.684.208

44.912.277

0

0

Long-term operating liabilities

0

0

0

0

Deferred liabilities for taxes

0

0

0

0

SHORT-TERM LIABILITIES

18.933.114

20.392.704

27.117.000

28.396.000

Liabilities, included in groups for estrange

0

0

0

0

Short-term financial liabilities

7.213.886

8.388.072

17.356.000

16.700.000

Short-term operating liabilities

11.719.228

12.004.632

9.761.000

11.696.000

SHORT-TERM ACCRUED COSTS AND DEFERRED REVENUES

1.243.048

323.348

527.000

563.000

Off-balance sheet items

51.387.046

51.806.124

0

0

A. The enclosed profit and loss account of 2014 is originated from official source, it is not authenticated by the auditor. (31.12.2014 - 1 EUR)

B. The enclosed profit and loss account of 2013 is originated from official source, it is not authenticated by the auditor. (31.12.2013 - 1 EUR)

C. The enclosed profit and loss account of 2012 is originated from official source, it is authenticated by the auditor . (31.12.2012 - 1 EUR)

D. The enclosed profit and loss account of 2011 is originated from official source, it is authenticated by the auditor . (31.12.2011 - 1 EUR)

profit and loss account

A 31.12.2014

B 31.12.2013

C 31.12.2012

D 31.12.2011

Net sales

112.641.827

111.078.483

110.977.000

109.832.000

Changes in the value of inventories of products and work-in-process

929.708

26.226

-748.000

1.965.000

Capitalised own products and own services

0

0

0

0

Other operating revenues (with subventions, grants,...)

428.224

639.518

609.000

426.000

GROSS OPERATING YIELD

113.999.759

111.744.227

110.838.000

112.223.000

Cost of goods, material and services

75.085.296

74.225.185

76.373.000

77.953.000

Purchase value of goods and materials sold and cost of material and cost of material used

62.258.544

61.351.957

64.502.000

65.838.000

Cost of services

12.826.752

12.873.228

11.871.000

12.115.000

Labour cost

22.011.969

20.224.731

20.749.000

20.492.000

Cost of wages

16.243.042

15.222.588

15.550.000

15.349.000

Cost of pension insurance

1.809.777

1.640.420

1.155.000

1.667.000

Cost of other social insurance

1.256.304

1.127.072

1.667.000

1.130.000

Other labour cost

2.702.846

2.234.651

2.377.000

2.346.000

Write-offs

5.244.792

5.040.270

4.610.000

4.725.000

Depreciation

4.939.798

4.658.870

4.298.000

3.932.000

Revaluation operating expenses for non-tangible assets and tangible fixed assets

3.092

6.813

16.000

411.000

Revaluation operating expenses for current assets

301.902

374.587

296.000

382.000

Other operating expenses

393.237

315.318

611.000

828.000

OPERATING REVENUES

113.070.051

111.718.001

111.586.000

 

OPERATING EXPENSES

102.735.294

99.805.504

102.343.000

 

OPERATING RESULT

10.334.757

11.912.497

9.243.000

8.225.000

EBIT

11.264.465

11.938.723

8.495.000

8.225.000

Financial income from investments in other enterprises

0

0

0

0

Financial income from loans

875.468

178.154

430.000

613.000

Financial income from operating receivables

402.692

200.693

421.000

550.000

Financial expenses from depreciation and write-offs of financial investments

0

1.000.000

0

0

Financial expenses from financial liabilities

1.791.242

288.999

965.000

968.000

Financial expenses from operating liabilities

129.105

322.220

316.000

704.000

Financial income

1.278.160

378.847

851.000

1.163.000

Financial expenses

1.920.347

1.611.219

1.281.000

1.672.000

Other revenues

33.730

7.642

4.000

4.000

Other expenses

39.893

161.815

0

0

Total revenues

115.311.649

112.130.716

111.693.000

113.390.000

Total costs

104.695.534

101.578.538

103.624.000

105.669.000

Total business result

10.616.115

10.552.178

8.069.000

7.721.000

Tax on profit

1.215.484

1.285.953

899.000

1.332.000

Deferred taxs

-23.858

-189.151

98.000

32.000

Net business result for the accounting period

9.424.489

9.455.376

7.072.000

6.357.000

 

Ratios

 

2011

2012

2013

2014

 

Equity ratio

0,58

0,59

0,43

0,43

 

Cleared equity ratio

0,58

0,59

0,43

0,43

 

Current liquidity

1,65

1,52

1,94

3,82

 

Quick liquidity

1,19

1,07

1,26

3,06

 

Working capital

18453000

14088000

19204775

53371226

 

Gearing

1,73

1,69

2,35

2,31

 

Cleared gearing

0,28

0,29

0,9

0,69

 

Profitability

6,81

7,22

9,41

9,21

 

Operating profitability

5,61

6,33

8,43

8,17

 

Stock days

42,36

39,84

44,97

45,58

 

Debtor days

68,06

64,52

65,7

60,26

 

Supplier days

37,65

31,9

39,08

37,1

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.40

UK Pound

1

Rs.101.19

Euro

1

Rs.73.89

 

 

INFORMATION DETAILS

 

Analysis Done by :

TRI

 

 

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.