MIRA INFORM REPORT

 

 

Report No. :

343488

Report Date :

30.09.2015

           

IDENTIFICATION DETAILS

 

Name :

WAFIOS AKTIENGESELLSCHAFT

 

 

Registered Office :

Silberburgstr. 5, D 72764 Reutlingen

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

01.04.1893

 

 

Legal Form :

Public limited company

 

 

Line of Business :

  • Manufacture of metal forming machinery
  • Wholesale of other machinery

 

 

No. of Employee :

780

 

 

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

 

WAFIOS AKTIENGESELLSCHAFT

 

Company Status:          active

                                    Silberburgstr. 5

                                    D 72764 Reutlingen

                                    Post Box :        2941, D 72719 Reutlingen

                                    Telephone:        07121/1460

                                    Telefax:            07121/491209

                                    Homepage:       www.wafios.de

                                    E-mail:              sales@wafios.de

 

VAT no.:                       DE146466742

 

LEGAL FORM               Public limited company

Date of foundation:       01.04.1893

Registered on:              12.10.1998

Commercial Register:    Local court 70190 Stuttgart

under:                                       HRB 353427

 

 

Share capital

 

EUR                             15,600,000.00

 

 

Member of the Board of Directors

 

                     Martin Holder

                     D 72119 Ammerbuch

                     born: 08.08.1958

 

Member of the Board of Directors:

                     Dr. Uwe-Peter Weigmann

                     Jenaer Platz 2

                     D 72622 Nürtingen

                     born: 24.09.1965

 

Member of the Board of Directors:

                     Dr. Christoph Müller-Mederer

                     D 70173 Stuttgart

                     born: 01.05.1971

 

 

President of the Supervisory Board

 

                     Hanns Gerhard Rösch

                     Gratianusstr.

                     D 72766 Reutlingen

                     born: 20.12.1946

 

 

Vice-president of the Supervisory Board

 

                     Dr. jur. Arnd-Diether Rösch

                     Kleiststr. 14

                     D 72074 Tübingen

                     born: 15.06.1944

                     Profession: Graduate civil servant

                     Marital status: married

 

Member of the Supervisory Board:

                     Philipp Poss

                     Galgenbergweg 28

                     D 89077 Ulm

                     born: 15.11.1964

                     Profession: Fully qualified management

                     expert

                     Marital status: married

 

Member of the Supervisory Board:

                     Prof.Dr. Rainer Stöttner

                     Diebsteigle 37

                     D 72764 Reutlingen

                     Marital status: married

 

Member of the Supervisory Board:

                     Bernd Laab

                     D 72770 Reutlingen

                     born: 07.12.1952

 

Member of the Supervisory Board:

                     Michael Wittwer

                     D 72820 Sonnenbühl

                     born: 14.05.1957

 

 


Proxy

 

                     Peter Florian Slotnarin

                     D 72800 Eningen

                     authorized to jointly represent the company

                     born: 01.10.1966

Proxy:

                     Thomas Kaup

                     Parsevalstr. 19a

                     D 45470 Mülheim

                     authorized to jointly represent the company

                     born: 02.10.1960

                     Profession: Fully qualified merchant

                     Marital status: unknown

Proxy:

                     Wolfgang Matteis

                     D 72764 Reutlingen

                     authorized to jointly represent the company

                     born: 06.05.1960

Proxy:

                     Klaus Reicherter

                     D 72764 Reutlingen

                     authorized to jointly represent the company

                     born: 11.11.1958

Proxy:

                     Björn Zwiesele

                     Kelterstr. 16

                     D 72658 Bempflingen

                     authorized to jointly represent the company

                     born: 03.10.1962

Proxy:

                     Winfried Peter

                     D 72531 Hohenstein

                     authorized to jointly represent the company

                     born: 11.10.1956

Proxy:

                     Jörg Eisele

                     D 72818 Trochtelfingen

                     authorized to jointly represent the company

                     born: 20.02.1980

Proxy:

                     Matthias Grauer

                     D 72805 Lichtenstein

                     authorized to jointly represent the company

                     born: 30.08.1968

Proxy:

                     Olaf Wiech

                     D 72764 Reutlingen

                     authorized to jointly represent the company

                     born: 20.02.1971

Proxy:

                     Gerhard Eisele

                     D 72829 Engstingen

                     authorized to jointly represent the company

                     born: 17.07.1953

 

Further functions/participations of Dr. Christoph Müller-Mederer (Member of the Board of Directors) Manager:

                     Wafios Handelsgesellschaft mit beschränkter

                     Haftung

                     Silberburgstr. 5

                     D 72764 Reutlingen

                     Legal form:                      Private limited company

                     Share capital:                   EUR             26,000.00

                     Registered on:                 01.01.1968

                     Reg. data:                        70190 Stuttgart, HRB 350286

 

 

COMPANY HISTORY

 

1938 - 11.10.1998          WAFIOS Maschinenfabrik GmbH & Co. KG

                                                Silberburgstr. 5

                                                D 72764 Reutlingen

                                                Ltd partnership with priv. ltd. Company as general partner

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

19.11.2014 -                  09.03.2015  Member of the Board of Directors

                                                Thomas Hösle

                                                D 72760 Reutlingen

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

28410   Manufacture of metal forming machinery

46692   Wholesale of other machinery

 

 

BRANCHES AND FACTORIES

 

Works:

                     WAFIOS Aktiengesellschaft

                     Flottmannstr. 24

                     D 95615 Marktredwitz

                     TEL.: 09231/9694-0

                     FAX.: 09231/61380

Branch:

                     WAFIOS Aktiengesellschaft

                     Im Rehsiepen 35

                     D 42369 Wuppertal

                     TEL.: 0202/2416-0

                     FAX.: 0202/2416-416

Branch:

                     WAFIOS Aktiengesellschaft

                     Malteserstr. 151

                     D 12277 Berlin

                     TEL.: 030/723988-0

                     FAX.: 030/723988-88

 

 

PARTICIPATIONS

 

Limited partner:

                     WHG Wafios HandelsgesellschaftmbH & Co. KG

                     Silberburgstr. 5

                     D 72764 Reutlingen

                     Legal form: Ltd partnership with priv. ltd. company as general partner

                     Company Status: active

                     Total cap.            EUR          2,500,000.00

                     contribution:

                     Share:                  EUR          2,497,375.00

                     Reg. data:            01.01.1968

                                                Local court 70190 Stuttgart

                                                HRA 351218

Limited partner:

                     ERNST KOCH GmbH & Co. Kommanditgesellschaft

                     Sternstr. 9

                     D 58675 Hemer

                     Post Box:

                     50 48

                     Legal form: Ltd partnership with priv. ltd.  company as general partner

                     Company Status: active

                     Total cap.            EUR          5,200,000.00

                     contribution:

                     Share:                  EUR          2,080,000.00

                     Reg. data:            16.09.1952

                                                Local court 58636 Iserlohn

                                                HRA 615

Limited partner:

                     WPT WAFIOS Production Technology GmbH & Co.

                     KG

                     August-Lämmle-Str. 40

                     D 72766 Reutlingen

                     Legal form: Ltd partnership with priv. ltd. company as general partner

                     Company Status: active

                     Total cap.            EUR            150,000.00

                     contribution:

                     Share:                  EUR            150,000.00

                     Reg. data:            27.01.2015

                                                 Local court 70190 Stuttgart

                                                HRA 730671

Shareholder:

                     WAFIOS Maschinenfabrik GmbH

                     Silberburgstr. 5

                     D 72764 Reutlingen

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:       EUR            153,387.56

                     Share:                  EUR            153,387.56

                     Reg. data:            11.03.1962

                                                Local court 70190 Stuttgart

                                                HRB 350161

Shareholder:

                     Witels-Albert GmbH

                     Malteserstr. 151-159

                     D 12277 Berlin

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:       EUR            143,150.00

                     Share:                  EUR            143,150.00

                     Reg. data:            02.01.2001

                                                Local court 14057 Berlin

                                                HRB 78405 B

Shareholder:

                     Klaus Böhm Elektronik GmbH

                     Germanenstr. 24

                     D 72768 Reutlingen

                     Legal form: Private limited company

                     Company Status:             active

                     Share capital:       EUR             25,564.59

                     Share:                  EUR              5,112.92

                     Reg. data:            09.05.1979

                                                Local court 70190 Stuttgart

                                                HRB 351005

 

 

FINANCIAL INFORMATION

 

Payment experience:  within agreed terms

 

Negative information:We have no negative information at hand.

 

PMI:             No significant / relevant payment experience information pertaining to the company

                     inquired upon is shown in the Deutscher

                     Debitoren Monitor (DDMonitor).

 

Balance sheet year:  2013

 

 

REAL ESTATE

 

Type of ownership:   proprietor

Share:                           100.00 %

Address                        Silberburgstr. 5

                                    D 72764 Reutlingen

 

Real Estate of:              Dr. Uwe-Peter Weigmann

Type of ownership:        unknown

Address                        Jenaer Platz 2

                                    D 72622 Nürtingen

 

Land register documents were not available.

 

 

BANKERS

 

COMMERZBANK, 72701 REUTLINGEN

Sort. code: 64040033, Account no.: 4213971

BIC: COBADEFFXXX, IBAN: DE75640400330421397100

KREISSPARKASSE REUTLINGEN, 72710 REUTLINGEN

Sort. code: 64050000, Account no.: 85001

BIC: SOLADES1REU, IBAN: DE04640500000000085001

LANDESBANK BADEN-WÜRTTEMBERG/BADEN-WÜRTTEMBERGISCHE BANK, 70144 STUTTGART

Sort. code: 60050101

BIC: SOLADEST600

 

 

FINANCIAL FIGURES

 

Turnover:            2013               EUR        116,123,630.00

                     2014               EUR        118,000,000.00

Expected turnover:                      EUR        118,400,000.00

Profit:              2013               EUR          4,451,233.00

further business figures:

Ac/ts receivable:                       EUR         18,698,871.00

Liabilities:                            EUR         35,198,720.00

Employees:                                                    780

- Part-time employees:                                         17

- Trainees:                                                    74

 

 

BALANCE SHEETS

 

Balance sheet ratios                  01.01.2013 - 31.12.2013

Equity ratio [%]:                        36.69

Liquidity ratio:                           0.54

Return on total capital [%]:         5.62

 

Balance sheet ratios                  01.01.2012 - 31.12.2012

Equity ratio [%]:                        30.51

Liquidity ratio:                           0.46

Return on total capital [%]:         4.74

 

Balance sheet ratios                  01.01.2011 - 31.12.2011

Equity ratio [%]:                        28.03

Liquidity ratio:                           0.42

Return on total capital [%]:         1.62

 

Balance sheet ratios                  01.01.2010 - 31.12.2010

Equity ratio [%]:                        27.62

Liquidity ratio:                           0.45

Return on total capital [%]:         -0.74

 

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.

 

 

Financials

 

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         91,449,197.60

 Fixed assets                           EUR         29,000,630.73

  Intangible assets                     EUR            701,808.00

  Tangible assets                       EUR         12,473,792.17

  Financial assets                      EUR         15,825,030.56

   Other / unspecified financial assets EUR         15,825,030.56

 Current assets                         EUR         62,193,902.77

  Stocks                                EUR         43,168,217.92

   Raw materials, consumables and

   supplies                             EUR         11,376,673.00

   Finished goods / work in progress    EUR         40,554,572.00

   Minus received advance payments for

   orders / installments for stocks     EUR         -8,763,027.08

  Accounts receivable                   EUR         18,698,870.86

   Trade debtors                        EUR         13,057,553.51

   Amounts due from related companies   EUR          4,627,069.75

   Amounts due from investee companies  EUR            525,406.98

   Other debtors and assets             EUR            488,840.62

  Liquid means                          EUR            326,813.99

 Remaining other assets                 EUR            254,664.10

  Accruals (assets)                     EUR            254,664.10

 

LIABILITIES                             EUR         91,449,197.60

 Shareholders' equity                   EUR         33,772,180.69

  Capital                               EUR         15,600,000.00

   Subscribed capital (share capital)   EUR         15,600,000.00

  Reserves                              EUR         13,545,150.65

   Capital reserves                     EUR          1,545,150.65

   Retained earnings / revenue reserves EUR         12,000,000.00

  Balance sheet profit/loss (+/-)       EUR          4,627,030.04

   Profit / loss brought forward        EUR            175,796.96

   Annual surplus / annual deficit      EUR          4,451,233.08

 Provisions                             EUR         22,442,018.00

  Pension provisions and comparable

  provisions                            EUR         12,948,018.00

  Provisions for taxes                  EUR          1,230,000.00

  Other / unspecified provisions        EUR          8,264,000.00

 Liabilities                            EUR         35,198,720.32

  Financial debts                       EUR         12,386,235.46

   Liabilities due to banks             EUR         12,386,235.46

  Other liabilities                     EUR         22,812,484.86

   Trade creditors (for IAS incl. bills

   of exchange)                         EUR          4,634,978.95

   Liabililties due to related companiesEUR          2,287,222.06

   Unspecified other liabilities        EUR         15,890,283.85

    thereof liabilities from tax /

    financial authorities               EUR            677,884.38

    thereof liabilities from social

    security                            EUR            106,246.40

 Other liabilities                      EUR             36,278.59

  Deferrals (liabilities)               EUR             36,278.59

 

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

Code (HGB)

 Sales                                  EUR        116,123,630.31

 Inventory change + own costs (+/-)     EUR           -754,702.00

  Inventory change (+/-)                EUR           -754,702.00

 Other operating income                 EUR          1,493,589.32

 Cost of materials                      EUR         38,244,390.90

  Raw materials and supplies, purchased

  goods                                 EUR         34,086,710.54

  Purchased services                    EUR          4,157,680.36

 Gross result (+/-)                     EUR         78,618,126.73

 Staff expenses                         EUR         52,361,481.85

  Wages and salaries                    EUR         43,128,157.08

  Social security contributions and

  expenses for pension plans and

  benefits                              EUR          9,233,324.77

 Total depreciation                     EUR          3,217,708.59

  Depreciation on tangible / intangible

  asssets (incl. start-up and exp. of

  bus.                                  EUR          2,467,708.59

  Depreciation on current assets (+/-)  EUR            750,000.00

 Other operating expenses               EUR         16,600,827.76

 Operating result from continuing

 operations                             EUR          6,438,108.53

 Result from participating interests

 (+/-)                                  EUR          2,434,166.29

  Expenses / income from participations EUR          2,434,166.29

   Income from transfer of profits      EUR          1,475,627.28

   Income from related companies        EUR            958,539.01

 Interest result (+/-)                  EUR         -2,233,191.39

  Interest and similar income           EUR            147,932.87

  Interest and similar expenses         EUR          2,381,124.26

 Other financial result                 EUR           -750,000.00

  Depreciation on financial assets and

  marketable securities                 EUR            750,000.00

 Financial result (+/-)                 EUR           -549,025.10

 Result from ordinary operations (+/-)  EUR          5,889,083.43

 Extraordinary expenses                 EUR            669,450.00

 Extraordinary result (+/-)             EUR           -669,450.00

 Income tax / refund of income tax (+/-)EUR           -675,342.25

 Other taxes / refund of taxes          EUR            -93,058.10

 Tax (+/-)                              EUR           -768,400.35

 Annual surplus / annual deficit        EUR          4,451,233.08

 

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         97,690,220.19

 Fixed assets                           EUR         30,923,382.77

  Intangible assets                     EUR            837,426.00

  Tangible assets                       EUR         14,360,725.17

  Financial assets                      EUR         15,725,231.60

   Other / unspecified financial assets EUR         15,725,231.60

 Current assets                         EUR         66,766,837.42

  Stocks                                EUR         44,915,128.16

   Raw materials, consumables and

   supplies                             EUR         14,937,215.00

   Finished goods / work in progress    EUR         41,899,274.00

   Minus received advance payments for

   orders / installments for stocks     EUR        -11,921,360.84

  Accounts receivable                   EUR         21,466,931.18

   Trade debtors                        EUR         16,105,501.00

   Amounts due from related companies   EUR          3,946,838.23

   Amounts due from investee companies  EUR            553,000.43

   Other debtors and assets             EUR            861,591.52

  Liquid means                          EUR            384,778.08

 

LIABILITIES                             EUR         97,690,220.19

 Shareholders' equity                   EUR         30,100,947.61

  Capital                               EUR         15,600,000.00

   Subscribed capital (share capital)   EUR         15,600,000.00

  Reserves                              EUR         10,545,150.65

   Capital reserves                     EUR          1,545,150.65

   Retained earnings / revenue reserves EUR          9,000,000.00

  Balance sheet profit/loss (+/-)       EUR          3,955,796.96

   Profit / loss brought forward        EUR            126,310.13

   Annual surplus / annual deficit      EUR          3,829,486.83

 Provisions                             EUR         20,866,291.00

  Pension provisions and comparable

  provisions                            EUR         12,236,291.00

  Provisions for taxes                  EUR            400,000.00

  Other / unspecified provisions        EUR          8,230,000.00

 Liabilities                            EUR         46,716,452.18

  Financial debts                       EUR         25,161,221.02

   Liabilities due to banks             EUR         25,161,221.02

  Other liabilities                     EUR         21,555,231.16

   Trade creditors (for IAS incl. bills

   of exchange)                         EUR          5,346,020.97

   Liabililties due to related companiesEUR            332,319.71

   Unspecified other liabilities        EUR         15,876,890.48

    thereof liabilities from tax /

    financial authorities               EUR            642,292.62

    thereof liabilities from social

    security                            EUR            154,249.15

 Other liabilities                      EUR              6,529.40

  Deferrals (liabilities)               EUR              6,529.40

 

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

Code (HGB)

 Sales                                  EUR        114,975,131.49

 Inventory change + own costs (+/-)     EUR          3,897,935.00

  Inventory change (+/-)                EUR          3,897,935.00

 Other operating income                 EUR          2,701,908.06

 Cost of materials                      EUR         44,850,365.27

  Raw materials and supplies, purchased

  goods                                 EUR         39,810,159.57

  Purchased services                    EUR          5,040,205.70

 Gross result (+/-)                     EUR         76,724,609.28

 Staff expenses                         EUR         50,491,885.47

  Wages and salaries                    EUR         42,104,395.90

  Social security contributions and

  expenses for pension plans and

  benefits                              EUR          8,387,489.57

 Total depreciation                     EUR          4,206,613.55

  Depreciation on tangible / intangible

  asssets (incl. start-up and exp. of

  bus.                                  EUR          2,706,613.55

  Depreciation on current assets (+/-)  EUR          1,500,000.00

 Other operating expenses               EUR         16,998,515.90

 Operating result from continuing

 operations                             EUR          5,027,594.36

 Result from participating interests

 (+/-)                                  EUR          4,164,581.29

  Expenses / income from participations EUR          4,164,581.29

   Income from transfer of profits      EUR          1,452,732.57

   Income from related companies        EUR          2,711,848.72

 Interest result (+/-)                  EUR         -2,433,769.61

  Interest and similar income           EUR            300,110.05

  Interest and similar expenses         EUR          2,733,879.66

 Other financial result                 EUR         -1,500,000.00

  Depreciation on financial assets and

  marketable securities                 EUR          1,500,000.00

 Financial result (+/-)                 EUR            230,811.68

 Result from ordinary operations (+/-)  EUR          5,258,406.04

 Extraordinary expenses                 EUR            780,997.00

 Extraordinary result (+/-)             EUR           -780,997.00

 Income tax / refund of income tax (+/-)EUR           -489,669.54

 Other taxes / refund of taxes          EUR           -158,252.67

 Tax (+/-)                              EUR           -647,922.21

 Annual surplus / annual deficit        EUR          3,829,486.83

 

 

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 :

KAS

 

 

Report Prepared by :

ASH

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

--

NB

                                       New Business

 

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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%)

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.