|
|
|
MIRA INFORM REPORT
|
Report No. : |
489942 |
|
Report Date : |
03.02.2018 |
IDENTIFICATION DETAILS
|
Name : |
LA QUADRIFOGLIO MARMI E GRANITI S.R.L. |
|
|
|
|
Registered Office : |
Via Dei Marmisti, 45 Volargne 37010 -
Pastrengo (VR) -IT- |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2016 |
|
|
|
|
Date of Incorporation : |
09.07.1985 |
|
|
|
|
Legal Form : |
Limited liability company |
|
|
|
|
Line of Business : |
·
Cutting and carving of stone and marble ·
Wholesale of other building materials |
|
|
|
|
No. of Employees : |
From 11 to 15 |
RATING & COMMENTS
(Mira Inform has adopted New Rating mechanism w.e.f. 23rd
January 2017)
|
MIRA’s Rating : |
A |
|
Credit Rating |
Explanation |
Rating Comments |
|
A |
Acceptable Risk |
Business dealings permissible with
moderate risk of default |
|
Status : |
Satisfactory |
|
|
|
|
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
|
Country Name |
Previous Rating (30.06.2017) |
Current Rating (30.09.2017) |
|
Italy |
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low Risk |
A2 |
|
Moderately Low Risk |
B1 |
|
Moderate Risk |
B2 |
|
Moderately High Risk |
C1 |
|
High Risk |
C2 |
|
Very High Risk |
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, reaching 131% of GDP in 2017. 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 records. The government still faces pressure from investors and European partners to sustain its efforts to address Italy's longstanding structural impediments to growth, such as labor market inefficiencies, a sluggish judicial system, and a weak banking sector. Italy’s economy returned to modest growth in late 2014 for the first time since late 2011. In 2015-16, Italy’s economy grew more than 0.8% each year, but picked up in 2017. In 2017, overall unemployment was 11.4%, but youth unemployment remained high at 37.1%.
|
Source
: CIA |
Company
name and address
La Quadrifoglio Marmi E Graniti S.r.l.
Via Dei Marmisti, 45 Volargne
37010 - Pastrengo (VR) -IT-
Summary
|
Fiscal Code |
: |
01793490234 |
|
Legal Form |
: |
Limited liability company |
|
start of Activities |
: |
01/08/1986 |
|
Equity |
: |
2.500.000 |
|
Turnover Range |
: |
12.750.000/15.500.000 |
|
Number of Employees |
: |
from 11 to 15 |
Activity
Cutting and carving of stone and marble
Wholesale of other building materials
Legal
Data
Legal Form : Limited liability company
|
Fiscal Code : 01793490234 |
|
Foreign Trade Reg. no. : VR007884 since 05/12/1991 |
|
Chamber of Commerce no. : 88625 of Nuoro |
|
Chamber of Commerce no. : 196734 of Verona since 30/07/1985 |
|
Firms' Register : VR091-21346 of Verona since 19/02/1996 |
|
V.A.T. Code : 01793490234 |
|
R. E. C. no. : 4320 of Verona since 27/02/1986 |
|
Establishment date |
: 09/07/1985 |
|
|
Start of Activities |
: 01/08/1986 |
|
|
Legal duration |
: 31/12/2050 |
|
|
Nominal Capital |
: 750.000 |
|
|
Subscribed Capital |
: 750.000 |
|
|
Paid up Capital |
: 750.000 |
|
Legal mail : |
LAQUADRIFOGLIOMARMI@LEGALMAIL.IT |
Members
|
|
Scancella |
Anna |
|
|
Born in Frasso Sabino |
(RI) |
on 05/06/1949 |
- Fiscal Code : SCNNNA49H45D785E |
|
|
Residence: |
Michelangelo Buonarroti |
, 13 |
- 08028 |
Orosei |
(NU) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Sole Director |
20/04/2015 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Buonfigli |
Marco |
|
|
Born in Fossombrone |
(PS) |
on 13/02/1976 |
- Fiscal Code : BNFMRC76B13D749U |
|
|
Residence: |
Michelangelo Buonarroti |
, 13 |
- 08028 |
Orosei |
(NU) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Attorney with special power |
03/12/2004 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Buonfigli |
Luca |
|
|
Born in Loreto |
(AN) |
on 10/09/1979 |
- Fiscal Code : BNFLCU79P10E690S |
|
|
Residence: |
Michelangelo |
, 15 |
- 08028 |
Orosei |
(NU) |
- IT - |
|
Position |
Since |
Shares Amount |
% Ownership |
|
Procurator |
25/01/2012 |
|
|
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.
|
|
Scancella |
Anna |
|
Firm's Style |
Seat |
Fiscal Code |
Position |
Position Status |
Firm's Status |
|
Marmi Scancella S.r.l. |
Orosei (NU) - IT - |
02006380923 |
Sole Director |
Active |
Registered |
|
Sardo Italiana Marmi Graniti S.r.l (sigla: S.i.m.g. S.r.l.) |
Orosei (NU) - IT - |
00058260910 |
Managing Director |
Withdrawn |
Registered |
|
Sardo Italiana Marmi Graniti S.r.l (sigla: S.i.m.g. S.r.l.) |
Orosei (NU) - IT - |
00058260910 |
Director |
Active |
Registered |
|
Sardo Italiana Marmi Graniti S.r.l (sigla: S.i.m.g. S.r.l.) |
Orosei (NU) - IT - |
00058260910 |
Attorney General |
Active |
Registered |
|
Sardo Italiana Marmi Graniti S.r.l (sigla: S.i.m.g. S.r.l.) |
Orosei (NU) - IT - |
00058260910 |
Attorney with special power |
Withdrawn |
Registered |
|
Consorzio Progetto Marmo - Per La Promozione Del Marmo, Dei
Grani Ti, Delle Piet |
Verona (VR) - IT - |
02702640232 |
Director |
Withdrawn |
Registered |
|
Tirreno Marmi S.r.l. |
Orosei (NU) - IT - |
00955410915 |
Attorney General |
Withdrawn |
Registered |
|
Buonfigli Business Services S.r.l. In Breve B.b. Services S.r.l. |
Orosei (NU) - IT - |
01135520912 |
Director |
Active |
Registered |
|
Buonfigli Business Services S.r.l. In Breve B.b. Services S.r.l. |
Orosei (NU) - IT - |
01135520912 |
Attorney General |
Active |
Registered |
|
Buonfigli Business Services S.r.l. In Breve B.b. Services S.r.l. |
Orosei (NU) - IT - |
01135520912 |
Attorney with special power |
Withdrawn |
Registered |
|
Arredobagni S.r.l. |
Orosei (NU) - IT - |
00163720915 |
Director |
Withdrawn |
Ceased |
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 |
|
Buonfigli Marco |
Orosei - IT - |
BNFMRC76B13D749U |
375.000 .Eur |
50,00 |
|
Buonfigli Luca |
Orosei - IT - |
BNFLCU79P10E690S |
375.000 .Eur |
50,00 |
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 |
|
Terminale Ferroviario Valpolicella S.p.a . Per Brevita' T.f.v.
S.p.a. |
Sant'Ambrogio di Valpolicella - IT - |
02037360233 |
15.000 .Eur |
0,82 |
Active |
||
|
Gv Orosei Marbles S.r.l. |
Orosei - IT - |
01390770913 |
20.000 .Eur |
20,00 |
Active |
Firm's
location and structure
In order to carry out its activities the firm uses the following
locations:
|
- |
Legal and operative seat |
|
Dei Marmisti |
, 45 |
- 37010 |
- Pastrengo |
(VR) |
- IT - |
|
PHONE |
: 0457731000 |
|
Legal mail |
: LAQUADRIFOGLIOMARMI@LEGALMAIL.IT |
|
- |
Branch |
(Warehouse) |
since 07/01/2007 |
|
Statale 125 |
- 08028 |
- Orosei |
(NU) |
- IT - |
|
Employees |
: 15 |
|
Fittings and Equipment for a value of 76.000 |
Eur |
|
Stocks for a value of 3.960.000 |
Eur |
The firm operates abroad as importer / exporter..
To purchase foreign products the firm uses the following channels
:
|
- national or foreign important buyers |
|
- distributors |
|
- direct orders to foreign companies |
Export represents more than 50% of the global turnover.
Products abroad are placed by :
|
- national or foreign important buyers |
|
- its own agents |
|
- its own foreign branches |
|
- direct orders from foreign companies |
Import comes generally from the following nations:
|
- Ireland |
|
- Greece |
|
- Bulgaria |
Export is mainly towards:
|
- Belgium |
|
- Ireland |
|
- Austria |
|
- Italy |
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.
National
Real Estates Survey
The firm under review, by the reported percentages, owns the
following real estates:
|
Town |
Cadastre |
No. Immovables |
Up to Date |
|
OROSEI (NU) |
Buildings |
5 |
31/01/2018 |
|
OROSEI (NU) |
Land |
8 |
31/01/2018 |
|
PASTRENGO (VR) |
Buildings |
1 |
31/01/2018 |
|
Buildings Details |
|
Cadastre |
Title |
Location |
Sheet No. |
Particle No. |
Sub No. |
Categorie |
Classe |
Consistence |
Cadastrial Rent |
Part No. |
|
B |
Proprieta' per l'area |
OROSEI (NU) LOCALITA' OROE, SN Piano T |
42 |
766 |
1 |
cat. F/1 |
||||
|
B |
Proprieta' per 1/1 |
OROSEI (NU) LOCALITA' OROE, SN Piano T |
42 |
808 |
1 |
cat. F/1 |
||||
|
B |
Proprieta' per 1/1 |
OROSEI (NU) LOCALITA' OROE, SNC Piano T |
43 |
663 |
1 |
cat. C/2 |
6 |
21 mq |
Euro:82,43 |
|
|
B |
Proprieta' per 1/1 |
OROSEI (NU) LOCALITA' OROE, SNC Piano T |
43 |
663 |
2 |
cat. F/1 |
||||
|
B |
Proprieta' per 1/1 |
OROSEI (NU) LOCALITA' OROE, SNC Piano T |
43 |
668 |
cat. F/1 |
|||||
|
B |
Proprieta' per 1/1 |
PASTRENGO (VR) LOCALITA' CAMPARA, SNC Piano T-12 |
3 |
624 |
4 |
cat. D/1 |
Euro: 18.899,40 |
|
Land Details |
|
Cadastre |
Title |
Location |
Sheet No. |
Particle No. |
Sub No. |
Category |
Class |
Consistence |
Cadastrial Rent |
Part No. |
|
L |
Proprieta' per 1/1 |
OROSEI (NU) |
42 |
462 |
INCOLT PROD |
1 |
3 are 14 ca |
R.D.Euro:0,02 R.A. Euro: 0,02 |
||
|
L |
Proprieta' per 1/1 |
OROSEI (NU) |
42 |
583 |
INCOLT PROD |
1 |
1 are 3 ca |
R.D.Euro:0,01 R.A. Euro: 0,01 |
||
|
L |
Proprieta' per 1/1 |
OROSEI (NU) |
43 |
147 |
PASCOLO |
4 |
7 are 94 ca |
R.D.Euro:0,21 R.A. Euro: 0,08 |
1087 |
|
|
L |
Proprieta' per 1/1 |
OROSEI (NU) |
43 |
256 |
PASCOLO |
4 |
2 are 94 ca |
R.D.Euro:0,08 R.A. Euro: 0,03 |
||
|
L |
Proprieta' per 1/1 |
OROSEI (NU) |
43 |
257 |
PASCOLO |
4 |
28 are 29 ca |
R.D.Euro:0,73 R.A. Euro: 0,29 |
||
|
L |
Proprieta' per 1/1 |
OROSEI (NU) |
43 |
666 |
PASCOLO |
4 |
1 are |
R.D.Euro:0,03 R.A. Euro: 0,01 |
||
|
L |
Proprieta' per 1/1 |
OROSEI (NU) |
43 |
90 |
PASCOLO |
4 |
7 are 94 ca |
R.D.Euro:0,21 R.A. Euro: 0,08 |
3024 |
|
|
L |
Proprieta' per 1/1 |
OROSEI (NU) |
43 |
91 |
PASCOLO |
4 |
30 are 6 ca |
R.D.Euro:0,78 R.A. Euro: 0,31 |
All responsibilities are declined regarding any possible omissions
concerning the given results. Therefore, we advise to request for
"Hypothecating Survey Inspection" c/o the locally competent RR.II.
Immovables Registry, as this service doesn't fully guarantees the actual title
of the Real Estates of the requested Subject.
Financial
and Economical Analysis
Company's starting of activities dates back to 1986.
Balance sheets for the years 2014, 2015 and 2016 were analyzed.
During the last years, it achieved profits (r.o.e. 15,25% on 2016)
but without a significant increase in the turnover.
The return on Investment in the last financial year was positive
(4,05%) falling within the field's average.
An operating result of Eur. 483.001 has been registered. rising
(+55,84%) in relation to the previous year.
The gross operating margin of the latest financial year is of Eur.
653.189 showing a 29,08% growth.
Company's financial status is balanced since indebtedness is not
high (2,76) but with an increase as against the previous accounting period.
Subject can manage an equity capital funds for an amount of Eur.
2.314.295 on stable levels.
During the last financial year total debts volume reached Eur. 9.395.537
(Eur. 2.092.892 were m/l term ones) , a more or less stable value.
The recourse to bank credit is slightly high and also borrowings
from suppliers appear to be high, with an average payment period equal to
137,53 gg. but lined up with the field's average.
Liquidity is good (1,19)
Trade credits average terms are slow, on average 94,67 days. yet
lower than the sector's average.
Eur. 523.176 is the value of cash flow during the year 2016
During 2016 financial year labour costs amounted to Eur. 755.241,
with a 5,81% incidence on production costs. , whereas the incidence on sales
revenues is of 5,68%.
The incidence of the financial charges is of -0,1% on the sales
amount.
Financial
Data
|
|
Complete balance-sheet for the year |
al 31/12/2016 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
13.290.289 |
|
Profit (Loss) for the period |
352.988 |
|
|
Complete balance-sheet for the year |
al 31/12/2015 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
13.894.040 |
|
Profit (Loss) for the period |
219.616 |
|
|
Complete balance-sheet for the year |
al 31/12/2014 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
14.888.437 |
|
Profit (Loss) for the period |
233.838 |
|
|
Complete balance-sheet for the year |
al 31/12/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
15.860.149 |
|
Profit (Loss) for the period |
101.579 |
|
|
Complete balance-sheet for the year |
al 31/12/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
15.946.072 |
|
Profit (Loss) for the period |
178.940 |
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 31/12/2016 - 12 Mesi - Currency: - Amounts
x 1 |
|
- Balance Sheet as at 31/12/2015 - 12 Mesi - Currency: - Amounts
x 1 |
|
- Balance Sheet as at 31/12/2014 - 12 Mesi - Currency: - Amounts
x 1 |
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
|
RATIOS |
Value Type |
as at 31/12/2016 |
as at 31/12/2015 |
as at 31/12/2014 |
Sector Average |
|
COMPOSITION ON INVESTMENT |
|||||
|
Rigidity Ratio |
Units |
0,23 |
0,23 |
0,18 |
0,11 |
|
Elasticity Ratio |
Units |
0,73 |
0,74 |
0,78 |
0,87 |
|
Availability of stock |
Units |
0,33 |
0,34 |
0,34 |
0,22 |
|
Total Liquidity Ratio |
Units |
0,40 |
0,40 |
0,43 |
0,56 |
|
Quick Ratio |
Units |
0,08 |
0,14 |
0,01 |
0,02 |
|
COMPOSITION ON SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
2,76 |
2,47 |
3,79 |
3,81 |
|
Self Financing Ratio |
Units |
0,19 |
0,17 |
0,18 |
0,17 |
|
Capital protection Ratio |
Units |
0,52 |
0,51 |
0,44 |
0,65 |
|
Liabilities consolidation quotient |
Units |
0,31 |
0,45 |
0,20 |
0,12 |
|
Financing |
Units |
4,06 |
4,68 |
4,52 |
4,72 |
|
Permanent Indebtedness Ratio |
Units |
0,38 |
0,43 |
0,31 |
0,30 |
|
M/L term Debts Ratio |
Units |
0,19 |
0,26 |
0,14 |
0,07 |
|
Net Financial Indebtedness Ratio |
Units |
1,57 |
2,10 |
1,93 |
1,28 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
1,66 |
1,88 |
1,77 |
2,06 |
|
Current ratio |
Units |
1,19 |
1,30 |
1,13 |
1,16 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,65 |
0,70 |
0,63 |
0,84 |
|
Structure's primary quotient |
Units |
0,84 |
0,76 |
1,00 |
1,28 |
|
Treasury's primary quotient |
Units |
0,13 |
0,25 |
0,02 |
0,03 |
|
Rate of indebtedness ( Leverage ) |
% |
514,78 |
579,25 |
563,51 |
591,61 |
|
Current Capital ( net ) |
Value |
1.423.017 |
1.912.087 |
879.759 |
219.071 |
|
RETURN |
|||||
|
Return on Sales |
% |
3,94 |
2,99 |
2,91 |
2,22 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
15,25 |
11,20 |
13,43 |
6,27 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
20,31 |
15,05 |
21,10 |
15,95 |
|
Return on Investment ( R.O.I. ) |
% |
4,05 |
2,73 |
4,83 |
4,19 |
|
Return/ Sales |
% |
3,63 |
2,23 |
3,18 |
3,42 |
|
Extra Management revenues/charges incid. |
% |
73,08 |
70,86 |
49,38 |
29,26 |
|
Cash Flow |
Value |
523.176 |
415.719 |
433.526 |
61.669 |
|
Operating Profit |
Value |
483.001 |
309.927 |
473.559 |
95.558 |
|
Gross Operating Margin |
Value |
653.189 |
506.030 |
673.247 |
144.934 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
94,67 |
62,11 |
84,46 |
120,94 |
|
Debts to suppliers average term |
Days |
137,53 |
88,56 |
111,85 |
120,04 |
|
Average stock waiting period |
Days |
107,22 |
100,10 |
81,67 |
61,92 |
|
Rate of capital employed return ( Turnover ) |
Units |
1,12 |
1,22 |
1,52 |
1,27 |
|
Rate of stock return |
Units |
3,36 |
3,60 |
4,41 |
5,74 |
|
Labour cost incidence |
% |
5,68 |
4,98 |
4,62 |
7,77 |
|
Net financial revenues/ charges incidence |
% |
-0,10 |
0,00 |
-0,67 |
-1,26 |
|
Labour cost on purchasing expenses |
% |
5,81 |
5,08 |
4,71 |
7,90 |
|
Short-term financing charges |
% |
2,39 |
2,30 |
3,56 |
2,67 |
|
Capital on hand |
% |
89,64 |
81,77 |
65,92 |
78,39 |
|
Sales pro employee |
Value |
577.838 |
661.620 |
708.973 |
437.713 |
|
Labour cost pro employee |
Value |
32.836 |
32.954 |
32.777 |
33.928 |
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 |
: |
|
|
Population living in the region |
: |
|
|
Number of families in the region |
: |
|
Monthly family expences average in the region (in Eur..) :
|
- per food products |
: |
|
|
- per non food products |
: |
|
|
- per energy consume |
: |
|
Sector
Data
The values are calculated on a base of 6.137 significant
companies.
The companies cash their credits on an average of 121 dd.
The average duration of suppliers debts is about 120 dd.
The sector's profitability is on an average of 2,22%.
The labour cost affects the turnover in the measure of 7,77%.
Goods are held in stock in a range of 62 dd.
The difference between the sales volume and the resources used to
realize it is about 1,27.
The employees costs represent the 7,90% 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 2.673.
The insolvency index for the region is 0,30, , while for the
province it is 0,31.
Total Bankrupt companies in the province : 2.982.
Total Bankrupt companies in the region : 16.714.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
INR 64.08 |
|
|
1 |
INR 91.34 |
|
Euro |
1 |
INR 80.03 |
|
Euro |
1 |
INR 79.94 |
Note :
Above are approximate rates obtained from sources believed to be correct
INFORMATION DETAILS
|
Analysis Done by
: |
PRI |
|
|
|
|
Report Prepared
by : |
TRU |
RATING EXPLANATIONS
|
Credit Rating |
Explanation |
Rating Comments |
|
A++ |
Minimum Risk |
Business dealings permissible with minimum
risk of default |
|
A+ |
Low Risk |
Business dealings permissible with low
risk of default |
|
A |
Acceptable Risk |
Business dealings permissible with
moderate risk of default |
|
B |
Medium Risk |
Business dealings permissible on a regular
monitoring basis |
|
C |
Medium High Risk |
Business dealings permissible preferably
on secured basis |
|
D |
High Risk |
Business dealing not recommended or on
secured terms only |
|
NB |
New Business |
No recommendation can be done due to
business in infancy stage |
|
NT |
No Trace |
No recommendation can be done as the
business is not traceable |
NB is stated where there is insufficient information to facilitate rating. However, it is not to be considered as unfavourable.
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 are as follows:
·
Financial
condition covering various ratios
·
Company
background and operations size
·
Promoters
/ Management background
·
Payment
record
·
Litigation
against the subject
·
Industry
scenario / competitor analysis
·
Supplier
/ Customer / Banker review (wherever available)
This report is issued at
your request without any risk and responsibility on the part of MIRA INFORM
PRIVATE LIMITED (MIPL) or its officials.