MIRA INFORM REPORT

 

 

Report No. :

341973

Report Date :

25.09.2015

 

IDENTIFICATION DETAILS

 

Name :

NARDI COMPRESSORI S.R.L.

 

 

Registered Office :

Via Marco Polo, 2 36075 - Montecchio Maggiore (VI)

 

 

Country :

Italy

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

01.01.1965

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

·         Manufacture of other pumps and compressors

·         Installation of other industrial machinery and equipment

 

 

No. of Employees :

From 16 to 25

 

 

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)

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

 

NARDI COMPRESSORI S.R.L.

 

Via

Marco Polo,

2

 

36075

- Montecchio Maggiore

(VI)

-IT-

 

 

Summary

 

Fiscal Code

:

00142920248

Legal Form

:

Limited liability company

start of Activities

:

10/06/1965

Equity

:

Over 2.582.254

Turnover Range

:

5.000.000/6.500.000

Number of Employees

:

from 16 to 25

 

 

Activity

 

Manufacture of other pumps and compressors

Installation of other industrial machinery and equipment

 

 

Legal Data

 

Legal Form : Limited liability company

Register of Handcraft firms : 16955 of Vicenza since 10/06/1965

 

Register of Handcraft firms : 103049 of Vicenza

 

Fiscal Code : 00142920248

 

Foreign Trade Reg. no. : VI001896 since 29/11/1991

 

Chamber of Commerce no. : 93555 of Vicenza since 10/06/1965

 

Firms' Register : VI116-12641 of Vicenza since 19/02/1996

 

V.A.T. Code : 00142920248

 

Foundation date

: 01/01/1965

Establishment date

: 28/09/2009

Start of Activities

: 10/06/1965

Legal duration

: 31/12/2050

Nominal Capital

: 100.000

Subscribed Capital

: 100.000

Paid up Capital

: 100.000

 

Legal mail :

NARDI.COMPRESSORI@LEGALMAIL.IT

 

 

Members

 

Ghiotto

Carlo

 

Born in Montecchio Maggiore

(VI)

on 02/04/1947

- Fiscal Code : GHTCRL47D02F464K

 

Residence:

Parini

, 6

- 36075

Montecchio Maggiore

(VI)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

28/09/2009

 

Ghiotto

Marco

 

Born in Montecchio Maggiore

(VI)

on 27/08/1973

- Fiscal Code : GHTMRC73M27F464O

 

Residence:

Giuliano Ziggiotti

, 21

- 36075

Montecchio Maggiore

(VI)

- IT -

 

Position

Since

Shares Amount

% Ownership

Board Chairman

28/09/2009

Director

28/09/2009

Sole partner

23/07/2015

 

No Prejudicial events are reported

 

No Protests registered

 

Venturi

Barbara

 

Born in Negrar

(VR)

on 20/06/1975

- Fiscal Code : VNTBBR75H60F861B

 

Residence:

Volpara

, 3/A

- 37010

Torri del Benaco

(VR)

- IT -

 

Position

Since

Shares Amount

% Ownership

Director

28/09/2009



Companies connected to members *

 

*checkings have been performed on a national scale.

In this module the companies in which members hold/held positions are listed.

 

The Members of the subject firm are not reported to be Members in other companies.



Capital Shareholders

 

Shareholders' list as at date of data collection:

 

Firm's Style / Name

Seat / Residence

Fiscal Code

Owned Shares

% Ownership

Ghiotto Marco

Montecchio Maggiore - IT -

GHTMRC73M27F464O

100.000 .Eur

100,00

 


Direct Participations

 

The Company under review has participations in the following Companies:

 

Firm's Style

Seat

Fiscal Code

Owned Shares Amount

% Ownership

since

until

Share Status

Consorzio D-1-9 di Montecchio Maggiore

02218800247

103 .Eur

4,54

Active

 

 

Firm's location and structure

 

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

 

-

Legal and operative seat

since 20/09/1995

 

Marco Polo

, 2

- 36077

- Montecchio Maggiore

(VI)

- IT -

 

PHONE

: 0444499059

 

Website

: www.nardicompressori.com

 

Legal mail

: NARDI.COMPRESSORI@LEGALMAIL.IT

 

Employees

: 18

 

Assistants

: 2

 

Fittings and Equipment for a value of 460.000

Eur

 

Stocks for a value of 340.000

Eur

 

The firm operates abroad as exporter..

Export represents more than 50% of the global turnover.

Products abroad are placed by :

- its own agents

 

- direct orders from foreign companies

 

Export is mainly towards:

- France

 

- Greece

 

- Great Britain

 

 

Historical Information and/or Firm's Status

 

CHANGES TO THE LEGAL FORM:

 

Former legal form

New legal form

Changement Date

De facto company

General partnership

30/06/1981

General partnership

Limited liability company

28/09/2009

COMPANY STYLE MODIFICATIONS:

 

Former Style

New Style

Changement Date

GHIOTTO COMPRESSORI S.N.C. DI GHIOTTOCARLO E NARDI GABRIELLA

Nardi Compressori Srl

28/09/2009

 

CEASINGS/INCORPORATIONS/MERGES:

 

The firm took over the activity of

 

NARDI COMPRESSORI DI NARDI GABRIELLA

 

Crispi Zona Artigianale

, 1

, 36077

, Montecchio Maggiore

(VI)

- IT -

 

Fiscal Code: NRDGRL50D61C605V

 

Date

:

15/06/2009



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

 

Subject is active since 1965

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

Under an economic point of view, profits were registered during the last years with a r.o.e. of 2,16% in 2014 keeping the turnover steady during the last two years.

The operating result in 2014 was positive (2,66%) falling within the field's average.

The amount of the operating result for the year 2014 is of Eur. 147.673 , with no sizeable change as opposed to the year before.

The gross operating margin of the latest financial year is of Eur. 327.062 with no sensible increase as against 2013.

Very good financial situation: shareholder's equity covers short-terms debts with an indebtedness level equal to 0,12 lower than in 2013.

Subject can manage an equity capital funds for an amount of Eur. 3.163.508 , unchanged as opposed to the preceding year.

During the last financial year debts totalled Eur. 2.161.733 (Eur. 612.484 of which were m/l term debts) showing a stable trend as opposed to 2013 (Eur. 1.999.291).

Available funds are good.

During financial year 2014 the cash flow amounted to Eur. 247.703

During 2014 financial year labour costs amounted to Eur. 587.973, with a 10,8% incidence on production costs. , whereas 10,69% is the incidence on sales revenues.

Financial incomes cover financial charges.



Financial Data

 

Complete balance-sheet for the year

al 31/12/2014

(in Eur

x 1)

 

Item Type

Value

Sales

5.500.365

Profit (Loss) for the period

68.314

 

Complete balance-sheet for the year

al 31/12/2013

(in Eur

x 1)

 

Item Type

Value

Sales

5.239.356

Profit (Loss) for the period

77.236

 

Complete balance-sheet for the year

al 31/12/2012

(in Eur

x 1)

 

Item Type

Value

Sales

4.665.397

Profit (Loss) for the period

198.425

 

Complete balance-sheet for the year

al 31/12/2011

(in Eur

x 1)

 

Item Type

Value

Sales

4.801.048

Profit (Loss) for the period

160.943

 

Complete balance-sheet for the year

al 31/12/2010

(in Eur

x 1)

 

Item Type

Value

Sales

4.446.493

Profit (Loss) for the period

167.795



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.

. . Goodwill

. . Assets in formation and advance paymen.

. . Other intangible fixed assets

. Total Intangible Fixed Assets

279.536

320.906

347.789

. TANGIBLE FIXED ASSETS

. . Real estate

. . Plant and machinery

. . Industrial and commercial equipment

. . Other assets

. . Assets under construction and advances

. Total Tangible fixed assets

3.055.659

3.177.815

3.235.388

. FINANCIAL FIXED ASSETS

. . Equity investments

. . . Equity invest. in subsidiary companies

. . . Equity invest. in associated companies

. . . Equity invest. in holding companies

. . . Equity invest. in other companies

. . Financial receivables

70.464

35.464

464

. . . . Within 12 months

. . . . Beyond 12 months

. . . 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

. . . . Within 12 months

. . . . Beyond 12 months

. . Other securities

483

483

483

. . Own shares

. . . Total nominal value

. Total financial fixed assets

70.947

35.947

947

Total fixed assets

3.406.142

3.534.668

3.584.124

CURRENT ASSETS

. INVENTORIES

. . Raw materials and other consumables

. . Work in progress and semimanufactured

. . Work in progress on order

. . Finished goods

. . Advance payments

. Total Inventories

344.517

348.151

384.134

. CREDITS NOT HELD AS FIXED ASSETS

. . Within 12 months

572.635

547.718

442.731

. . Beyond 12 months

36.292

38.664

28.693

. . Trade receivables

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from subsid. comp.

. . . . 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

. . Fiscal Receivables

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables for anticipated taxes

. . . . Within 12 months

. . . . Beyond 12 months

. . Receivables due from third parties

. . . . Within 12 months

. . . . Beyond 12 months

. Total Credits not held as fixed assets

608.927

586.382

471.424

. 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

. . Checks

. . Banknotes and coins

. Total Liquid funds

1.166.317

772.074

769.975

Total current assets

2.119.761

1.706.607

1.625.533

ADJUSTMENT ACCOUNTS

. Discount on loans

. Other adjustment accounts

25.007

32.258

28.529

Total adjustments accounts

25.007

32.258

28.529

TOTAL ASSETS

5.550.910

5.273.533

5.238.186

LIABILITIES

STOCKHOLDERS' EQUITY

. Capital stock

100.000

100.000

100.000

. Additional paid-in capital

. Revaluation reserves

1.920.800

1.920.800

1.920.800

. Legal reserve

20.000

20.000

20.000

. Reserve for Own shares

. Statute reserves

. Other reserves

1.054.394

979.439

754.717

. Accumulated Profits (Losses)

. Profit( loss) of the year

68.314

77.236

198.425

. Advances on dividends

. Partial loss of the year Coverage

Total Stockholders'Equity

3.163.508

3.097.475

2.993.942

RESERVES FOR RISKS AND CHARGES

. . Reserve for employee termination indem.

. . Taxation fund, also differed

. . Other funds

Total Reserves for Risks and Charges

70.000

35.000

Employee termination indemnities

130.120

122.025

116.246

ACCOUNTS PAYABLE

. . . . Within 12 months

1.549.249

1.580.065

1.577.098

. . . . Beyond 12 months

612.484

419.226

537.241

. . 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

. . . . Within 12 months

. . . . 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

. . . . Within 12 months

. . . . Beyond 12 months

. . Securities issued

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to subsidiary companies

. . . . Within 12 months

. . . . 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

. . . . Within 12 months

. . . . Beyond 12 months

. . Due to social security and welfare inst.

. . . . Within 12 months

. . . . Beyond 12 months

. . Other payables

. . . . Within 12 months

. . . . Beyond 12 months

Total accounts payable

2.161.733

1.999.291

2.114.339

ADJUSTMENT ACCOUNTS

. Agio on loans

. Other adjustment accounts

25.549

19.742

13.659

Total adjustment accounts

25.549

19.742

13.659

TOTAL LIABILITIES

5.550.910

5.273.533

5.238.186

 

MEMORANDUM ACCOUNTS

 

Third party goods

Investment accounts

50.568

13.687

20.703

Risk accounts

Civil and fiscal norms relation

 

PROFIT AND LOSS ACCOUNTS

 

VALUE OF PRODUCTION

. Revenues from sales and services

5.500.365

5.239.356

4.665.397

. Changes in work in progress

22.276

-11.183

155.769

. Changes in semi-manufact. products

. Capitalization of internal work

. Other income and revenues

67.558

63.355

60.081

. . Contributions for operating expenses

40.804

45.343

21.262

. . Different income and revenues

26.754

18.012

38.819

Total value of production

5.590.199

5.291.528

4.881.247

PRODUCTION COSTS

. Raw material,other materials and consum.

3.218.813

3.020.151

2.531.104

. Services received

. Leases and rentals

1.388.559

1.324.498

1.118.027

. Payroll and related costs

587.973

519.203

449.184

. . Wages and salaries

434.260

382.160

329.310

. . Social security contributions

124.682

109.842

95.403

. . Employee termination indemnities

26.990

25.854

24.330

. . Pension and similar

. . Other costs

2.041

1.347

141

. Amortization and depreciation

179.389

189.115

149.980

. . Amortization of intangible fixed assets

40.369

41.345

35.427

. . Amortization of tangible fixed assets

139.020

147.770

114.553

. . Depreciation of tangible fixed assets

. . Writedown of current receiv.and of liquid

. Changes in raw materials

25.910

24.800

122.316

. Provisions to risk reserves

. Other provisions

. Other operating costs

41.882

51.091

177.236

Total production costs

5.442.526

5.128.858

4.547.847

Diff. between value and cost of product.

147.673

162.670

333.400

FINANCIAL INCOME AND EXPENSE

. Income from equity investments

. . In subsidiary companies

. . In associated companies

. . In other companies

. Other financial income

8.779

8.855

10.548

. . 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

8.779

8.855

10.548

. . . - Subsidiary companies

. . . - Associated companies

. . . - Holding companies

. . . - Other companies

8.779

8.855

10.548

. Interest and other financial expense

-8.276

-10.029

-14.312

. . Towards subsidiary companies

. . Towards associated companies

. . Towards holding companies

. . Towards other companies

8.276

10.029

14.312

Total financial income and expense

503

-1.174

-3.764

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

129

8.751

. . Gains on disposals

. . Other extraordinary income

129

8.751

. Extraordinary expense

-1

-1

. . Losses on disposals

. . Taxes relating to prior years

. . Other extraordinary expense

-1

-1

Total extraordinary income and expense

-1

128

8.751

Results before income taxes

148.175

161.624

338.387

. Taxes on current income

79.861

84.388

139.962

. . current taxes

79.861

84.388

139.962

. . differed taxes(anticip.)

. Net income for the period

68.314

77.236

198.425

. Adjustments in tax regulations pursuance

. Provisions in tax regulations pursuance

. Profit (loss) of the year

68.314

77.236

198.425

 

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

0,61

0,67

0,68

0,26

Elasticity Ratio

Units

0,38

0,32

0,31

0,73

Availability of stock

Units

0,06

0,07

0,07

0,23

Total Liquidity Ratio

Units

0,32

0,26

0,24

0,44

Quick Ratio

Units

0,21

0,15

0,15

0,02

COMPOSITION ON SOURCE

Net Short-term indebtedness

Units

0,12

0,26

0,27

1,74

Self Financing Ratio

Units

0,57

0,59

0,57

0,29

Capital protection Ratio

Units

0,95

0,94

0,90

0,64

Liabilities consolidation quotient

Units

0,48

0,34

0,41

0,22

Financing

Units

0,68

0,65

0,71

2,30

Permanent Indebtedness Ratio

Units

0,70

0,69

0,70

0,46

M/L term Debts Ratio

Units

0,13

0,10

0,12

0,11

Net Financial Indebtedness Ratio

Units

n.c.

n.c.

n.c.

0,49

CORRELATION

Fixed assets ratio

Units

1,15

1,03

1,02

1,63

Current ratio

Units

1,37

1,08

1,03

1,32

Acid Test Ratio-Liquidity Ratio

Units

1,15

0,86

0,79

0,86

Structure's primary quotient

Units

0,93

0,88

0,84

1,05

Treasury's primary quotient

Units

0,75

0,49

0,49

0,04

Rate of indebtedness ( Leverage )

%

175,47

170,25

174,96

349,01

Current Capital ( net )

Value

570.512

126.542

48.435

753.266

RETURN

Return on Sales

%

4,50

5,08

7,47

5,13

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

%

2,16

2,49

6,63

7,27

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

%

4,68

5,22

11,30

15,95

Return on Investment ( R.O.I. )

%

2,66

3,08

6,36

5,36

Return/ Sales

%

2,68

3,10

7,15

5,57

Extra Management revenues/charges incid.

%

46,26

47,48

59,52

42,11

Cash Flow

Value

247.703

266.351

348.405

344.143

Operating Profit

Value

147.673

162.670

333.400

359.008

Gross Operating Margin

Value

327.062

351.785

483.380

705.726

MANAGEMENT

Credits to clients average term

Days

n.c.

n.c.

n.c.

101,37

Debts to suppliers average term

Days

n.c.

n.c.

n.c.

115,52

Average stock waiting period

Days

22,55

23,92

29,64

80,62

Rate of capital employed return ( Turnover )

Units

0,99

0,99

0,89

1,07

Rate of stock return

Units

15,97

15,05

12,15

4,40

Labour cost incidence

%

10,69

9,91

9,63

16,91

Net financial revenues/ charges incidence

%

0,01

-0,02

-0,08

-1,19

Labour cost on purchasing expenses

%

10,80

10,12

9,88

17,25

Short-term financing charges

%

0,38

0,50

0,68

2,71

Capital on hand

%

100,92

100,65

112,28

93,00

Sales pro employee

Value

305.575

327.459

333.242

223.920

Labour cost pro employee

Value

32.665

32.450

32.084

35.625

 

 

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

:

831.356

Population living in the region

:

4.699.950

Number of families in the region

:

1.813.210

 

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

 

- per food products

:

456

- per non food products

:

2.052

- per energy consume

:

127

 

 

Sector Data

 

The values are calculated on a base of 918 significant companies.

The companies cash their credits on an average of 101 dd.

The average duration of suppliers debts is about 116 dd.

The sector's profitability is on an average of 5,13%.

The labour cost affects the turnover in the measure of 16,91%.

Goods are held in stock in a range of 81 dd.

The difference between the sales volume and the resources used to realize it is about 1,07.

The employees costs represent the 17,25% 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 13.782 protested subjects are found; in the province they count to 2.234.

The insolvency index for the region is 0,30, , while for the province it is 0,27.

Total Bankrupt companies in the province : 2.546.

Total Bankrupt companies in the region : 16.714.

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.10

UK Pound

1

Rs.100.89

Euro

1

Rs.73.96

 

INFORMATION DETAILS

 

Analysis Done by :

TRI

 

 

Report Prepared by :

VNT

 

               

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.