MIRA INFORM REPORT

 

 

Report No. :

341805

Report Date :

24.09.2015

 

IDENTIFICATION DETAILS

 

Name :

WILLY ITALIANA S.R.L.

 

 

Registered Office :

Via Della Ricerca Scientifica, 13/1

41012 - Carpi (MO)

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

28.12.2010

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Manufacture of Automatic Machines for Dosing, Wrapping and Packaging.

(Including Seperate Parts and Accessories)

 

 

No. of Employees :

From 16 to 25

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

 

Status :

Moderate

Payment Behaviour :

Slow but correct

Litigation :

Clear

 

 

NOTES:

Any query related to this report can be made on e-mail: infodept@mirainform.com while quoting report number, name and date.

 

 

ECGC Country Risk Classification List – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Italy

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

ITALY - ECONOMIC OVERVIEW

 

Italy has a diversified economy, which is divided into a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, where unemployment is higher. The Italian economy is driven in large part by the manufacture of high-quality consumer goods produced by small and medium-sized enterprises, many of them family-owned. Italy also has a sizable underground economy, which by some estimates accounts for as much as 17% of GDP. These activities are most common within the agriculture, construction, and service sectors. Italy is the third-largest economy in the euro-zone, but its exceptionally high public debt and structural impediments to growth have rendered it vulnerable to scrutiny by financial markets. Public debt has increased steadily since 2007, topping 132% of GDP in 2014, but investor concerns about Italy and the broader euro-zone crisis eased in 2013, bringing down Italy's borrowing costs on sovereign government debt from euro-era. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's long-standing structural impediments to growth, such as labor market inefficiencies and tax evasion. In 2014 economic growth and labor market conditions continued to deteriorate, with overall unemployment rising to 12.2% and youth unemployment around 40%. Italy's GDP is now nearly 10% below its 2007 pre-crisis level.

 

Source : CIA

 

Company Name and Address

 

WILLY ITALIANA S.R.L.

 

Via Della Ricerca Scientifica, 13/1

 

41012 - Carpi     (MO) -IT-

 

 

Summary

 

Fiscal Code

:

03367280363

Legal Form

:

Limited liability company

start of Activities

:

29/12/2010

Equity

:

1.500.000

Turnover Range

:

2.250.000/3.000.000

Number of Employees

:

from 16 to 25

 

 

Activity

 

Manufacture of automatic machines for dosing, wrapping and packaging

(Including Seperate Parts and Accessories)

 

 

Legal Data

 

Legal Form : Limited liability company

Fiscal Code : 03367280363

 

Foreign Trade Reg. no. : MO044246 since 03/02/2011

 

Chamber of Commerce no. : 381599 of Modena since 29/12/2010

 

V.A.T. Code : 03367280363

 

Establishment date

: 28/12/2010

Start of Activities

: 29/12/2010

Legal duration

: 31/12/2030

Nominal Capital

: 10.000

Subscribed Capital

: 10.000

Paid up Capital

: 10.000

 

Legal mail :

WILLYITALY@LEGALMAIL.IT

 

 


Members

 

Carnevali

Andrea

 

Born in Carpi

(MO)

on 27/09/1968

- Fiscal Code : CRNNDR68P27B819K

 

Residence:

Bisi

, 10

- 41012

Carpi

(MO)

- IT -

 

Position

Since

Shares Amount

% Ownership

Sole Director

28/12/2010

 

No Prejudicial events are reported

 

No Protests registered

 

Carnevali

Carlo

 

Born in Carpi

(MO)

on 12/04/1975

- Fiscal Code : CRNCRL75D12B819K

 

Residence:

Amendola

, 40

- 41012

Carpi

(MO)

- IT -

 

Position

Since

Shares Amount

% Ownership

Partner

 

No Prejudicial events are reported

 

No Protests registered

 

Arcobaleno S.r.l.

 

 

:

Von Siemens

, 9/1

- 41012

Carpi

(MO)

- IT -

 

Position

Since

Shares Amount

% Ownership

Partner

 

No Prejudicial events are reported

 

No Protests registered

 

 

Companies connected to members *

 

*checkings have been performed on a national scale.

 

In this module are listed the companies in which members hold or have holded positions.

 

Carnevali

Andrea

 

Firm's Style

Seat

Fiscal Code

Position

Position Status

Firm's Status

WILLY ITALIANA S.R.L.

Carpi (MO) - IT -

00476730361

Partner

Withdrawn

Registered

Softintime S.r.l.

Carpi (MO) - IT -

02667740365

Director

Active

Registered

Softintime S.r.l.

Carpi (MO) - IT -

02667740365

Board Chairman

Active

Registered

T.s. Labels S.r.l.

Carpi (MO) - IT -

02435020363

Managing Director

Active

Registered

T.s. Labels S.r.l.

Carpi (MO) - IT -

02435020363

Director

Active

Registered

T.s. Labels S.r.l.

Carpi (MO) - IT -

02435020363

Assistant board Chairman

Active

Registered

Arcobaleno S.r.l.

Carpi (MO) - IT -

02958310365

Director

Active

Registered

Cadicagroup S.p.a.

Carpi (MO) - IT -

03508840364

Managing Director

Active

Registered

Cadicagroup S.p.a.

Carpi (MO) - IT -

03508840364

Director

Active

Registered

Cadicagroup S.p.a.

Carpi (MO) - IT -

03508840364

Board Chairman

Active

Registered

Velvet Italia Societa' A Responsabilita'Limitata

Carpi (MO) - IT -

03313830360

Director

Active

Registered

Velvet Italia Societa' A Responsabilita'Limitata

Carpi (MO) - IT -

03313830360

Assistant board Chairman

Active

Registered

Peler Italia S.r.l.

Montebello Vicentino (VI) - IT -

03593000361

Director

Active

Registered

Peler Italia S.r.l.

Montebello Vicentino (VI) - IT -

03593000361

Assistant board Chairman

Active

Registered

 

The indication "REGISTERED" as Firm Status could refer to Firms in Liquidation, Active, Inactive, etc.

For more information, in this case, we advise to request further investigations.

 

 

Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Carnevali Andrea

Carpi - IT -

CRNNDR68P27B819K

2.500 .Eur

25,00

Carnevali Carlo

Carpi - IT -

CRNCRL75D12B819K

2.500 .Eur

25,00

Arcobaleno S.r.l.

Carpi - IT -

02958310365

5.000 .Eur

50,00

 

 

Direct Participations

 

The Company under review has no participations in other Companies.

 

 

Firm's location and structure

 

In order to carry out its activities the firm uses the following locations:

 

-

Legal and operative seat

 

Della Ricerca Scientifica

, 13/1

- 41012

- Carpi

(MO)

- IT -

 

Legal mail

: WILLYITALY@LEGALMAIL.IT

 

-

Branch

(Store)

since 29/12/2010

 

Della Ricerca Scientifica

, 13/16

- 41012

- Carpi

(MO)

- IT -

 

Employees

: 17

 

Stocks for a value of 970.000

Eur

 

 

Protests

 

Protests checking on the subject firm has given a negative result.

 

 

Data Base Prejudicial Events Search

 

Search performed on a National Scale

 

Prejudicial Events Search Result: NEGATIVE

 

Search performed on a specialized data base.

 

 

Legal Procedures

 

None reported, standing to the latest received edition of the Official Publications.



Financial and Economical Analysis

 

The company has been active for some years.

The economic-financial analysis has been made on the base of the b/s of the latests three years.

Unstable economic results mark the company's financial state of affairs. ; in the last financial year a loss was registered (r.o.e. -2,37%)

The operating result is negative.

The operating result is negative (Eur. -403).

The economic management produced a gross operating margin of Eur. 10.595 with a -88,99% fall.

Very good financial situation: shareholder's equity covers short-terms debts with an indebtedness level equal to 0,81 which is yet rising if compared to 2013.

Subject can manage an equity capital funds for an amount of Eur. 1.239.989 on the same levels as the year before.

Eur. 1.132.056 is the amount of total debts, both commercial and of different nature, showing a stable trend as opposed to 2013 (Eur. 982.825).

The company does not exceed in bank credits; payments average period is instead slightly high (117,84 gg.) even if it still falls within the sector's average.

The available funds are good.

As to due from customers, the average terms are 51,37 days. , a better value than the sector's average.

(Eur. -18.384) is the negative value of the cash flow.

Labour cost expenses amount to Eur. 545.152 , representing 18,02% on the total of production costs. , whereas the incidence on sales revenues is of 19,3%.

Finacial chareges are high: the incidence on sales volume amounts to -1,56%

 

 

Financial Data

 

Complete balance-sheet for the year

al 31/12/2014

(in Eur

x 1)

 

Item Type

Value

Sales

2.824.420

Profit (Loss) for the period

-29.382

 

Complete balance-sheet for the year

al 31/12/2013

(in Eur

x 1)

 

Item Type

Value

Sales

2.958.158

Profit (Loss) for the period

28.416

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

2.335.711

Profit (Loss) for the period

-19.338

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

2.337.419

Profit (Loss) for the period

-433.596

 

 

Balance Sheets

 

From our constant monitoring of the relevant Public Administration offices, no more recent balance sheets result to have been filed.

 

- Balance Sheet as at 31/12/2014 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2013 - 12 Mesi - Currency: - Amounts x 1

 

- Balance Sheet as at 31/12/2012 - 12 Mesi - Currency: - Amounts x 1

 

Years

2014

2013

2012

BALANCE SHEET ACCOUNTS

 

ASSETS

CREDITS VS PARTNERS

. Deposits not yet withdrawn

. Deposits already withdrawn

Total credits vs partners

FIXED ASSETS

. INTANGIBLE FIXED ASSETS

. . Start-up and expansion expenses

. . Research,develop. and advert.expens.

. . Industrial patent rights

. . Concessions,licenses,trademarks,etc.

. . Goodwill

. . Assets in formation and advance paymen.

. . Other intangible fixed assets

. Total Intangible Fixed Assets

10.160

9.280

. TANGIBLE FIXED ASSETS

. . Real estate

. . Plant and machinery

. . Industrial and commercial equipment

. . Other assets

. . Assets under construction and advances

. Total Tangible fixed assets

9.344

12.695

25.471

. FINANCIAL FIXED ASSETS

. . Equity investments

666.912

. . . Equity invest. in subsidiary companies

666.912

. . . Equity invest. in associated companies

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

. . Financial receivables

166.755

166.903

165.838

. . . . Within 12 months

. . . . Beyond 12 months

166.755

. . . Receivab due from subsidiaries

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from assoc.comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . . Receivables due from third parties

166.755

. . . . Within 12 months

. . . . Beyond 12 months

166.755

. . Other securities

666.912

666.912

666.911

. . Own shares

. . . Total nominal value

. Total financial fixed assets

1.500.579

833.815

832.749

Total fixed assets

1.520.083

855.790

858.220

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

. . Work in progress and semimanufactured

503.170

. . Work in progress on order

. . Finished goods

470.333

. . Advance payments

. Total Inventories

973.503

801.741

728.811

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

731.428

817.720

736.804

. . Beyond 12 months

. . Trade receivables

402.997

. . . . Within 12 months

402.997

. . . . Beyond 12 months

. . Receivables due from subsid. comp.

260.741

. . . . Within 12 months

260.741

. . . . Beyond 12 months

. . Receivables due from assoc. comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from holding comp.

. . . . Within 12 months

. . . . Beyond 12 months

. . Fiscal Receivables

6.933

. . . . Within 12 months

6.933

. . . . Beyond 12 months

. . Receivables for anticipated taxes

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from third parties

60.757

. . . . Within 12 months

60.757

. . . . Beyond 12 months

. Total Credits not held as fixed assets

731.428

817.720

736.804

. FINANCIAL ASSETS

. . Equity invest. in subsidiary comp.

. . Equity invest. in associated companies

. . Equity invest. in holding companies

. . Other equity investments

. . Own shares

. . . Total nominale value

. . Other securities

. Total Financial Assets

. LIQUID FUNDS

. . Bank and post office deposits

126.114

. . Checks

. . Banknotes and coins

2.900

. Total Liquid funds

129.014

91.214

37.964

Total current assets

1.833.945

1.710.675

1.503.579

ADJUSTMENT ACCOUNTS

. Discount on loans

. Other adjustment accounts

33.960

7.073

10.115

Total adjustments accounts

33.960

7.073

10.115

TOTAL ASSETS

3.387.988

2.573.538

2.371.914

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

10.000

10.000

10.000

. Additional paid-in capital

. Revaluation reserves

1.250.110

1.250.110

1.250.110

. Legal reserve

1.602

181

181

. Reserve for Own shares

. Statute reserves

. Other reserves

7.659

-3

. Accumulated Profits (Losses)

-19.339

. Profit( loss) of the year

-29.382

28.416

-19.338

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

1.239.989

1.269.365

1.240.953

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

. . Taxation fund, also differed

. . Other funds

Total Reserves for Risks and Charges

165.266

165.266

165.266

Employee termination indemnities

183.765

156.082

132.257

ACCOUNTS PAYABLE

. . . . Within 12 months

1.132.056

982.825

833.438

. . . . Beyond 12 months

. . Bonds

. . . . Within 12 months

. . . . Beyond 12 months

. . Convertible bonds repayable

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to shareholders for financing

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to banks

156.157

. . . . Within 12 months

156.157

. . . . Beyond 12 months

. . Due to other providers of finance

. . . . Within 12 months

. . . . Beyond 12 months

. . Advances from customers

. . . . Within 12 months

. . . . Beyond 12 months

. . Trade payables

568.712

. . . . Within 12 months

568.712

. . . . Beyond 12 months

. . Securities issued

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to subsidiary companies

236.409

. . . . Within 12 months

236.409

. . . . Beyond 12 months

. . Due to associated companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to holding companies

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to the tax authorities

31.847

. . . . Within 12 months

31.847

. . . . Beyond 12 months

. . Due to social security and welfare inst.

43.006

. . . . Within 12 months

43.006

. . . . Beyond 12 months

. . Other payables

95.925

. . . . Within 12 months

95.925

. . . . Beyond 12 months

Total accounts payable

1.132.056

982.825

833.438

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

Total adjustment accounts

TOTAL LIABILITIES

2.721.076

2.573.538

2.371.914

 

MEMORANDUM ACCOUNTS

 

Third party goods

Investment accounts

Risk accounts

Civil and fiscal norms relation

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

. Revenues from sales and services

2.824.420

2.958.158

2.335.709

. Changes in work in progress

171.762

72.930

130.515

. Changes in semi-manufact. products

. Capitalization of internal work

. Other income and revenues

29.460

19.236

21.669

. . Contributions for operating expenses

17.160

7.400

. . Different income and revenues

12.300

11.836

21.669

Total value of production

3.025.642

3.050.324

2.487.893

PRODUCTION COSTS

. Raw material,other materials and consum.

1.873.026

1.808.324

1.459.270

. Services received

. Leases and rentals

586.628

601.614

483.726

. Payroll and related costs

545.152

528.479

507.030

. . Wages and salaries

405.328

388.548

358.195

. . Social security contributions

109.224

113.798

120.308

. . Employee termination indemnities

27.786

24.237

27.265

. . Pension and similar

. . Other costs

2.814

1.896

1.262

. Amortization and depreciation

10.998

15.094

13.878

. . Amortization of intangible fixed assets

3.120

2.320

54

. . Amortization of tangible fixed assets

7.878

12.774

13.824

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

. Changes in raw materials

. Provisions to risk reserves

. Other provisions

. Other operating costs

10.241

15.603

7.576

Total production costs

3.026.045

2.969.114

2.471.480

Diff. between value and cost of product.

-403

81.210

16.413

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

227

1.057

792

. . Financ.income from receivables

. . . Towards subsidiary companies

. . . Towards associated companies

. . . Towards holding companies

. . . Towards other companies

. . Financ.income from secur. t.f.assets

. . Financ.income from secur. cur.assets

. . Financ.income other than the above

227

1.057

792

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

227

1.057

792

. Interest and other financial expense

-44.394

-30.481

-19.970

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

44.394

30.481

19.970

Total financial income and expense

-44.167

-29.424

-19.178

ADJUSTMENTS TO FINANCIAL ASSETS

. Revaluations

. . Of equity investments

. . Of financ.fixed assets not repres.E.I.

. . Of securities incl.among current assets

. Devaluation

. . Of equity investments

. . Of financial fixed assets (no equity inv)

. . Of securities included among current ass

Total adjustments to financial assets

EXTRAORDINARY INCOME AND EXPENSE

. Extraordinary income

29.944

13.690

3.919

. . Gains on disposals

. . Other extraordinary income

29.944

13.690

3.919

. Extraordinary expense

-3.489

-20.247

-1.343

. . Losses on disposals

. . Taxes relating to prior years

-145

. . Other extraordinary expense

-3.489

-20.247

-1.198

Total extraordinary income and expense

26.455

-6.557

2.576

Results before income taxes

-18.115

45.229

-189

. Taxes on current income

11.267

16.813

19.149

. . current taxes

11.267

16.813

19.149

. . differed taxes(anticip.)

. Net income for the period

-29.382

28.416

-19.338

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

-29.382

28.416

-19.338

 

RATIOS

Value Type

as at 31/12/2014

as at 31/12/2013

as at 31/12/2012

Sector Average

COMPOSITION ON INVESTMENT

Rigidity Ratio

Units

0,45

0,33

0,36

0,18

Elasticity Ratio

Units

0,54

0,66

0,63

0,79

Availability of stock

Units

0,29

0,31

0,31

0,21

Total Liquidity Ratio

Units

0,25

0,35

0,33

0,52

Quick Ratio

Units

0,04

0,04

0,02

0,03

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

0,81

0,70

0,64

3,01

Self Financing Ratio

Units

0,37

0,49

0,52

0,19

Capital protection Ratio

Units

1,02

0,97

1,01

0,66

Liabilities consolidation quotient

Units

0,16

0,16

0,16

0,16

Financing

Units

0,91

0,77

0,67

3,56

Permanent Indebtedness Ratio

Units

0,42

0,55

0,58

0,34

M/L term Debts Ratio

Units

0,05

0,06

0,06

0,10

Net Financial Indebtedness Ratio

Units

0,02

n.c.

n.c.

0,69

CORRELATION

Fixed assets ratio

Units

0,94

1,67

1,60

1,65

Current ratio

Units

1,62

1,74

1,80

1,18

Acid Test Ratio-Liquidity Ratio

Units

0,76

0,92

0,93

0,86

Structure's primary quotient

Units

0,82

1,48

1,45

1,02

Treasury's primary quotient

Units

0,11

0,09

0,05

0,06

Rate of indebtedness ( Leverage )

%

273,23

202,74

191,14

509,92

Current Capital ( net )

Value

701.889

727.850

670.141

330.495

RETURN

Return on Sales

%

-0,65

1,47

-0,23

3,79

Return on Equity - Net- ( R.O.E. )

%

-2,37

2,24

-1,56

6,70

Return on Equity - Gross - ( R.O.E. )

%

-1,46

3,56

-0,02

18,82

Return on Investment ( R.O.I. )

%

-0,01

3,16

0,69

4,89

Return/ Sales

%

-0,01

2,75

0,70

4,78

Extra Management revenues/charges incid.

%

n.c.

34,99

-117,82

29,96

Cash Flow

Value

-18.384

43.510

-5.460

165.166

Operating Profit

Value

-403

81.210

16.413

225.594

Gross Operating Margin

Value

10.595

96.304

30.291

376.080

MANAGEMENT

Credits to clients average term

Days

51,37

n.c.

n.c.

111,07

Debts to suppliers average term

Days

117,84

n.c.

n.c.

127,44

Average stock waiting period

Days

124,08

97,57

112,33

62,88

Rate of capital employed return ( Turnover )

Units

0,83

1,15

0,98

1,10

Rate of stock return

Units

2,90

3,69

3,20

5,58

Labour cost incidence

%

19,30

17,87

21,71

18,94

Net financial revenues/ charges incidence

%

-1,56

-0,99

-0,82

-1,15

Labour cost on purchasing expenses

%

18,02

17,80

20,52

18,99

Short-term financing charges

%

3,92

3,10

2,40

2,55

Capital on hand

%

119,95

87,00

101,55

90,89

Sales pro employee

Value

166.142

184.884

155.714

199.007

Labour cost pro employee

Value

32.067

33.029

33.802

34.820

 

 

Remarks

 

1) Protests checking (relative to the last five years) performed by crossing and matching the members names and the Firm's Style with the reported addresses, is supplied by the Informatic Registry managed by the Italian Chamber of Commerce. If the fiscal code is not indicated, the eventual homonymous cases are submitted to expert staff evaluation in order to limit wrong matching risks.

 

2) The Legal Data, supplied and retrived from the Firm's Registry of the Italian Chamber of Commerce, are in line with the last registered modifications.

 

3) Risk evaluation and Credit Opinion have been performed on the base of the actual data at the moment of their availability.

 

 

Market / Territory Data

 

Population living in the province

:

659.925

Population living in the region

:

4.151.369

Number of families in the region

:

1.748.359

 

Monthly family expences average in the region (in Eur..) :

 

- per food products

:

425

- per non food products

:

2.063

- per energy consume

:

143

 

 

Sector Data

 

The values are calculated on a base of 1.964 significant companies.

The companies cash their credits on an average of 111 dd.

The average duration of suppliers debts is about 127 dd.

The sector's profitability is on an average of 3,79%.

The labour cost affects the turnover in the measure of 18,94%.

Goods are held in stock in a range of 63 dd.

The difference between the sales volume and the resources used to realize it is about 1,10.

The employees costs represent the 18,99% of the production costs.

 

 

Statistical Detrimental Data

 

Statistcally the trade activity shows periods of crisis.

The area is statistically considered lowly risky.

In the region 18.860 protested subjects are found; in the province they count to 3.557.

The insolvency index for the region is 0,46, , while for the province it is 0,55.

Total Bankrupt companies in the province : 2.526.

Total Bankrupt companies in the region : 14.698.


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.97

UK Pound

1

Rs.101.19

Euro

1

Rs.73.38

 

INFORMATION DETAILS

 

Analysis Done by :

TRI

 

 

Report Prepared by :

NIT

 

               

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.