MIRA INFORM REPORT

 

 

Report No. :

343287

Report Date :

30.09.2015

 

IDENTIFICATION DETAILS

 

Name :

RÖDER HTS HÖCKER GMBH

 

 

Registered Office :

Hinter der Schlagmühle 1, D 63699 Kefenrod

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

16.06.1990

 

 

Com. Reg. No.:

HRB 6517

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

·         Manufacture of made-up textiles (except apparel)

·         Wholesale of other equipment and accessories for machinery and technical supplies

·         Manufacture and distribution of tents.

 

 

No. of Employees :

156

 

 

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)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.2% in 2014. The new German government introduced a minimum wage of about $11.60 (8.50 euros) per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. The budget was essentially in balance in 2014. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. The German economy suffers from low levels of investment, and a government plan to invest 15 billion euros 2016-18, largely in infrastructure, is intended to spur needed private investment. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany plans to replace nuclear power with renewable energy, which accounted for 27.8% of gross electricity consumption in 2014, up from 9% in 2000. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production. Extremely low inflation, caused largely by low global energy prices and a weak euro, are expected to boost German GDP growth in 2015.

 

Source : CIA

 


Company name and address

 

RÖDER HTS HÖCKER GMBH

 

 Company Status:         active

                                    Hinter der Schlagmühle 1

                                    D 63699 Kefenrod

                                    Telephone:06049/95100

                                    Telefax:  06049/951020

                                    Homepage: www.roederhts.com

                                    E-mail:   verkauf@roeder-hts.de

 

 VAT no.:                      DE150113757

 Tax ID number:             020 242 70466

 

 

CONCLUSION

 

 Business relations are permissible.

 

 LEGAL FORM           Private limited company

 Date of foundation:  16.06.1990

 Shareholders'

 agreement:           16.06.1990

 Registered on:       12.11.2007

 Commercial Register: Local court 61169 Friedberg

 under:               HRB 6517

 

 Share capital:                          EUR          3,051,150.00

 

 Shareholder:

                      Wilhelm Martin Röder

                      Am Kaspersberg 50

                      D 63654 Büdingen

                      born: 01.03.1985

                      Share:             EUR          1,374,275.00

 Shareholder:

                      Elisabeth Maria Röder

                      Am Kaspersberg 50

                      D 63654 Büdingen

                      born: 21.08.1988

                      Share:             EUR          1,374,275.00

 Shareholder:

                      Heinz Röder

                      Am Kaspersberg 50

                      D 63654 Büdingen

                      born: 14.05.1942

                      Share:             EUR            152,600.00

 Shareholder:

                      Röder HTS Höcker GmbH

                      Hinter der Schlagmühle 1

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Share capital:     EUR          3,051,150.00

                      Share:             EUR             60,000.00

                      Registered on: 12.11.2007

                      Reg. data: 61169 Friedberg, HRB 6517

 Shareholder:

                      Markus Wiegand

                      Bornweg 16

                      D 63699 Kefenrod

                      born: 15.12.1972

                      Share:             EUR             45,000.00

 Shareholder:

                      Giles Edward Hill

                      10 Hillside Mews

                      GB  Woking

                      born: 08.08.1973

                      Share:             EUR             45,000.00

 Manager:

                      Heinz Röder

                      Am Kaspersberg 50

                      D 63654 Büdingen

                      having sole power of representation

                      born: 14.05.1942

                      Profession: Businessman

                      Marital status: unknown

 Manager:

                      Wilhelm Martin Röder

                      Am Kaspersberg 50

                      D 63654 Büdingen

                      having sole power of representation

                      born: 01.03.1985

 Manager:

                      Rolf Schulz

                      In der Wolbig 1

                      D 63654 Büdingen

                      authorized to jointly represent the company

                      born: 28.02.1956

                      Profession: Businessman

                      Marital status: unknown

 Manager:

                      Markus Wiegand

                      Bornweg 16

                      D 63699 Kefenrod

                      authorized to jointly represent the company

                      born: 15.12.1972

                      Profession: Mechanical engineer

                      Marital status: unknown

 Manager:

                      Giles Hill

                      GB  Woking Surrey Ashdown Close

                      authorized to jointly represent the company

                      born: 03.08.1973

                      Profession: Businessman

                      Nationality: British

                      Marital status: unknown

 Manager:

                      Christoph Littner

                      F  Mommenheim

                      authorized to jointly represent the company

                      born: 19.07.1968

                      Profession: Businessman

                      Nationality: French

                      Marital status: unknown

 

 Further functions/participations of Heinz Röder (Manager)

 Manager:

                      Thüringer Bauholding GmbH

                      Am Kaspersberg 50

                      D 63654 Büdingen

                      Legal form: Private limited company

                      Share capital:     EUR             26,000.00

                      Registered

                      on:         02.04.2015

                      Reg. data:  61169 Friedberg, HRB 8076

 Manager:

                      Höcker GmbH

                      Hinter der Schlagmühle 1

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Share capital:     EUR             25,600.00

                      Registered

                      on:         26.04.1995

                      Reg. data:  61169 Friedberg, HRB 3548

 Manager:

                      HTS Industriebau GmbH

                      Am Wickenstein 4

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Share capital:     EUR          3,000,000.00

                      Registered

                      on:         27.03.2013

                      Reg. data:  61169 Friedberg, HRB 7619

 Manager:

                      Röder Verwaltungs GmbH

                      Schweriner Str. 44

                      D 01067 Dresden

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.59

                      Registered

                      on:         01.12.1992

                      Reg. data:  01069 Dresden, HRB 5773

 Manager:

                      Excellent Structures & Service GmbH

                      Am Wickenstein 4

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Share capital:     EUR          1,000,000.00

                      Registered

                      on:         27.04.2015

                      Reg. data:  61169 Friedberg, HRB 8098

 

 Further functions/participations of Wilhelm Martin Röder

 (Manager)

 Shareholder:

                      HTS Industriebau GmbH

                      Am Wickenstein 4

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Share capital:     EUR          3,000,000.00

                      Share:             EUR          1,500,000.00

                      Registered

                      on:         27.03.2013

                      Reg. data:  61169 Friedberg, HRB 7619

 Shareholder:

                      Röder Verwaltungs GmbH

                      Schweriner Str. 44

                      D 01067 Dresden

                      Legal form: Private limited company

                      Share capital:     EUR             25,564.59

                      Share:             EUR             12,782.30

                      Registered

                      on:         01.12.1992

                      Reg. data:  01069 Dresden, HRB 5773

 Manager:

                      HTS Industriebau GmbH

                      Am Wickenstein 4

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Share capital:     EUR          3,000,000.00

                      Registered

                      on:         27.03.2013

                      Reg. data:  61169 Friedberg, HRB 7619

 Manager:

                      Excellent Structures & Service GmbH

                      Am Wickenstein 4

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Share capital:     EUR          1,000,000.00

                      Registered

                      on:         27.04.2015

                      Reg. data:  61169 Friedberg, HRB 8098

 

 

COMPANY HISTORY

 

 18.09.1995 - 01.02.2000  Thüringer Export-Import GmbH

                          Juri-Gagarin-Ring 152

                          D 99084 Erfurt

                          Private limited company

 01.02.2000 - 09.05.2000  HTT High Tec Tents GmbH

                          Juri-Gagarin-Ring 152

                          D 99084 Erfurt

                          Private limited company

 09.05.2000 - 20.06.2002  HTS High Tech Structures GmbH

                          Juri-Gagarin-Ring 152

                          D 99084 Erfurt

                          Private limited company

 20.06.2002 - 08.11.2004  Röder HTS - High Tech Structures GmbH

                          Juri-Gagarin-Ring 152

                          D 99084 Erfurt

                          Private limited company

 08.11.2004 - 12.11.2007  Röder HTS Höcker GmbH

                          Juri-Gagarin-Ring 152

                          D 99084 Erfurt

                          Private limited company

 

 

BUSINESS ACTIVITIES

 

 Main industrial sector

 13920   Manufacture of made-up textiles (except apparel)

 

 Secondary industrial sector

 46693   Wholesale of other equipment and accessories for machinery and technical supplies

 

 Manufacture and distribution of tents.

 

 

PARTICIPATIONS

 

 Shareholder:

                      Excellent Structures & Service GmbH

                      Am Wickenstein 4

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          1,000,000.00

                      Share:             EUR            900,000.00

                      Reg. data:  27.04.2015

                                  Local court 61169 Friedberg

                                  HRB 8098

 Shareholder:

                      Röder HTS Höcker GmbH

                      Hinter der Schlagmühle 1

                      D 63699 Kefenrod

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          3,051,150.00

                      Share:             EUR             60,000.00

                      Reg. data:  12.11.2007

                                  Local court 61169 Friedberg

                                  HRB 6517

 

 

FINANCIAL INFORMATION

 

Payment experience:  cash discount/within agreed terms

 

Negative information: We have no negative information at hand.

 

 

REAL ESTATE

 

 Type of ownership:   Tenant

 Address              Hinter der Schlagmühle 1

                      D 63699 Kefenrod

 

 Land register documents were not available.

 

 

BANKERS

 

 Principal bank

 COMMERZBANK, 35348 GIEßEN, LAHN

 Sort. code: 51340013

 BIC: COBADEFFXXX

 

 Further banks

 SPARKASSE OBERHESSEN, 63654 BÜDINGEN, HESS

 Sort. code: 51850079

 BIC: HELADEF1FRI

 SPARKASSE OBERHESSEN, 63688 GEDERN

 Sort. code: 51850079

 BIC: HELADEF1FRI

 COMMERZBANK VORMALS DRESDNER BANK, 35332 GIEßEN, LAHN

 Sort. code: 51380040

 BIC: DRESDEFF513

 SPARKASSE MITTELTHÜRINGEN, 99084 ERFURT

 Sort. code: 82051000

 BIC: HELADEF1WEM

 

 

FINANCIAL FIGURES

 

 Turnover:            2013               EUR         66,494,876.00

 Profit:              2013               EUR          8,731,548.00

 Equipment:                              EUR            968,074.00

 Ac/ts receivable:                       EUR         13,521,235.00

 Liabilities:                            EUR          5,093,665.00

 Employees:                                                    156

 

 

BALANCE SHEETS

 

 Balance sheet ratios 01.01.2013 - 31.12.2013

 Equity ratio [%]:                 84.55

 Liquidity ratio:                  10.00

 Return on total capital [%]:      14.35

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 81.04

 Liquidity ratio:                  10.00

 Return on total capital [%]:      23.48

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 79.09

 Liquidity ratio:                  10.00

 Return on total capital [%]:      18.70

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                 74.26

 Liquidity ratio:                  10.00

 Return on total capital [%]:      20.85

 

 EQUITY RATIO

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 LIQUIDITY RATIO

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 RETURN ON TOTAL CAPITAL

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

Type of balance sheet:               Company balance sheet

 Origin of the present

 balance sheet:       electronic German Federal Gazette

 

 Financial year:      01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR         61,031,727.42

  Fixed assets                           EUR         30,283,573.79

   Intangible assets                     EUR            236,219.79

    Internally generated industrial

    property rights and similar rights

    and assets                           EUR             78,437.27

    Goodwill                             EUR            157,782.52

   Tangible assets                       EUR          2,575,974.11

    Land / similar rights                EUR            193,325.91

    Plant / machinery                    EUR          1,356,623.55

    Other tangible assets / fixtures and

    fittings                             EUR            968,074.31

    Advance payments made / construction

    in progress                          EUR             57,950.34

   Financial assets                      EUR         27,471,379.89

    Shares in participations /

    subsidiaries and the like            EUR            560,351.99

     Shares in related companies         EUR            560,351.99

    Securities included in fixed assets  EUR         26,911,027.90

  Current assets                         EUR         30,725,269.45

   Stocks                                EUR         12,073,438.43

    Raw materials, consumables and

    supplies                             EUR          5,821,268.95

    Finished goods / work in progress    EUR          6,174,399.71

    Advance payments made                EUR             77,769.77

   Accounts receivable                   EUR         13,521,234.85

    Trade debtors                        EUR         10,331,165.16

    Amounts due from related companies   EUR            362,913.67

    Other debtors and assets             EUR          2,827,156.02

   Liquid means                          EUR          5,130,596.17

  Remaining other assets                 EUR             22,884.18

   Accruals (assets)                     EUR             22,884.18

 

 LIABILITIES                             EUR         61,031,727.42

  Shareholders' equity                   EUR         51,632,479.65

   Capital                               EUR          3,023,150.00

    Subscribed capital (share capital)   EUR          3,051,150.00

    Other capital                        EUR            -28,000.00

   Reserves                              EUR            214,000.00

    thereof for own shares               EUR             28,000.00

    Capital reserves                     EUR            186,000.00

    Other / unspecified reserves         EUR             28,000.00

   Balance sheet profit/loss (+/-)       EUR         48,395,329.65

    Profit / loss brought forward        EUR         39,663,781.87

    Annual surplus / annual deficit      EUR          8,731,547.78

  Provisions                             EUR          4,305,582.67

   Provisions for taxes                  EUR            483,093.00

   Other / unspecified provisions        EUR          3,822,489.67

  Liabilities                            EUR          5,093,665.10

   Other liabilities                     EUR          5,093,665.10

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          2,714,927.96

    Liabilities from received advance

    payments                             EUR          1,933,238.41

    Unspecified other liabilities        EUR            445,498.73

     thereof liabilities from tax /

     financial authorities               EUR             87,000.00

     thereof liabilities from social

     security                            EUR                  0.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR         66,494,875.58

  Inventory change + own costs (+/-)     EUR          1,698,961.06

   Inventory change (+/-)                EUR          1,698,961.06

  Other operating income                 EUR          5,397,068.25

  Cost of materials                      EUR         40,637,829.96

   Raw materials and supplies, purchased

   goods                                 EUR         34,794,107.33

   Purchased services                    EUR          5,843,722.63

  Gross result (+/-)                     EUR         32,953,074.93

  Staff expenses                         EUR          8,305,275.60

   Wages and salaries                    EUR          7,195,057.20

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          1,110,218.40

  Total depreciation                     EUR            539,233.82

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            539,233.82

  Other operating expenses               EUR         12,568,017.48

  Operating result from continuing

  operations                             EUR         11,540,548.03

  Interest result (+/-)                  EUR            774,205.55

   Interest and similar income           EUR            775,260.05

   Interest and similar expenses         EUR              1,054.50

  Other financial result                 EUR           -440,690.14

   Depreciation on financial assets and

   marketable securities                 EUR            440,690.14

  Financial result (+/-)                 EUR            333,515.41

  Result from ordinary operations (+/-)  EUR         11,874,063.44

  Income tax / refund of income tax (+/-)EUR         -3,121,445.04

  Other taxes / refund of taxes          EUR            -21,070.62

  Tax (+/-)                              EUR         -3,142,515.66

  Annual surplus / annual deficit        EUR          8,731,547.78

 

 Type of balance

 sheet:               Company balance sheet

 Origin of the present

 balance sheet:       electronic German Federal Gazette

 

 Financial year:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR         59,875,613.71

  Fixed assets                           EUR          7,597,383.32

   Intangible assets                     EUR            225,195.68

    Concessions, licences, rights        EUR             14,072.75

    Goodwill                             EUR            211,122.93

   Tangible assets                       EUR          2,501,467.01

    Land / similar rights                EUR            183,189.00

    Plant / machinery                    EUR          1,548,538.39

    Other tangible assets / fixtures and

    fittings                             EUR            746,548.85

    Advance payments made / construction

    in progress                          EUR             23,190.77

   Financial assets                      EUR          4,870,720.63

    Securities included in fixed assets  EUR          4,870,720.63

  Current assets                         EUR         52,258,175.56

   Stocks                                EUR          9,968,144.73

    Raw materials, consumables and

    supplies                             EUR          5,167,327.89

    Finished goods / work in progress    EUR          4,475,438.65

    Advance payments made                EUR            325,378.19

   Accounts receivable                   EUR         26,258,081.51

    Trade debtors                        EUR         24,788,933.49

    Other debtors and assets             EUR          1,469,148.02

   Liquid means                          EUR         16,031,949.32

  Remaining other assets                 EUR             20,054.83

   Accruals (assets)                     EUR             20,054.83

 

 LIABILITIES                             EUR         59,875,613.71

  Shareholders' equity                   EUR         42,981,483.15

   Capital                               EUR          3,023,150.00

    Subscribed capital (share capital)   EUR          3,051,150.00

    Other capital                        EUR            -28,000.00

   Reserves                              EUR            214,000.00

    thereof for own shares               EUR             28,000.00

    Capital reserves                     EUR            186,000.00

    Other / unspecified reserves         EUR             28,000.00

   Balance sheet profit/loss (+/-)       EUR         39,744,333.15

    Profit / loss brought forward        EUR         25,756,876.40

    Annual surplus / annual deficit      EUR         13,987,456.75

  Provisions                             EUR          7,216,000.86

   Provisions for taxes                  EUR          2,404,259.04

   Other / unspecified provisions        EUR          4,811,741.82

  Liabilities                            EUR          9,552,129.70

   Other liabilities                     EUR          9,552,129.70

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          2,594,798.51

    Liabilities from received advance

    payments                             EUR            730,583.50

    Unspecified other liabilities        EUR          6,226,747.69

     thereof liabilities from tax /

     financial authorities               EUR             60,000.00

     thereof liabilities from social

     security                            EUR                  0.00

  Other liabilities                      EUR            126,000.00

   Deferred taxes (not included under

   provisions/liabilities)               EUR            126,000.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        123,764,187.54

  Inventory change + own costs (+/-)     EUR          2,042,254.58

   Inventory change (+/-)                EUR          2,042,254.58

  Other operating income                 EUR          2,692,378.57

  Cost of materials                      EUR         83,681,687.85

   Raw materials and supplies, purchased

   goods                                 EUR         77,766,271.82

   Purchased services                    EUR          5,915,416.03

  Gross result (+/-)                     EUR         44,817,132.84

  Staff expenses                         EUR          7,550,622.43

   Wages and salaries                    EUR          6,626,577.31

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR            924,045.12

  Total depreciation                     EUR            527,250.64

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR            527,250.64

  Other operating expenses               EUR         17,000,792.01

  Operating result from continuing

  operations                             EUR         19,738,467.76

  Interest result (+/-)                  EUR            336,427.63

   Interest and similar income           EUR            480,621.59

   Interest and similar expenses         EUR            144,193.96

  Other financial result                 EUR            -68,421.57

   Depreciation on financial assets and

   marketable securities                 EUR             68,421.57

  Financial result (+/-)                 EUR            268,006.06

  Result from ordinary operations (+/-)  EUR         20,006,473.82

  Income tax / refund of income tax (+/-)EUR         -6,001,215.92

  Other taxes / refund of taxes          EUR            -17,801.15

  Tax (+/-)                              EUR         -6,019,017.07

  Annual surplus / annual deficit        EUR         13,987,456.75

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.18

UK Pound

1

Rs.100.46

Euro

1

Rs.74.61

 

 

INFORMATION DETAILS

 

Analysis Done by :

KIN

 

 

Report Prepared by :

TPT

 

               

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

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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.