|
|
|
MIRA
INFORM REPORT
|
Report No. : |
489676 |
|
Report Date : |
03.02.2018 |
IDENTIFICATION DETAILS
|
Name : |
RUMI S.R.L |
|
|
|
|
Registered Office : |
Via E.salgari, 11, 25080 - Botticino(BS)-IT |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
31.12.2016 |
|
|
|
|
Date of Incorporation : |
25.03.1977 |
|
|
|
|
Legal Form : |
Limited liability
company |
|
|
|
|
Line of Business : |
Manufacture
of machinery for textile, apparel and leather industries (including spare
parts and accessories) |
|
|
|
|
No. of Employees : |
From 6 to 10 |
RATING & COMMENTS
(Mira Inform has adopted New Rating mechanism w.e.f. 23rd
January 2017)
|
MIRA’s Rating : |
C |
|
Credit Rating |
Explanation |
Rating Comments |
|
C |
Medium High Risk |
Business dealings permissible preferably
on secured basis |
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
Slow |
|
|
|
|
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
|
Rumi
S.r.l. |
|
Via |
E.salgari, |
11 |
|
25080 |
-
Botticino |
(BS) |
-IT- |
Summary
|
Fiscal
Code |
: |
00267730174 |
|
Legal
Form |
: |
Limited
liability company |
|
start
of Activities |
: |
25/03/1977 |
|
Equity |
: |
2.500.000
|
|
Turnover
Range |
: |
1.500.000/2.000.000
|
|
Number
of Employees |
: |
fom 6
to 10 |
Activity
Manufacture
of machinery for textile, apparel and leather industries (including spare parts
and accessories)
Legal Data
Legal
Form : Limited liability company
|
Fiscal
Code : 00267730174 |
|
Foreign
Trade Reg. no. : 004330 of Brescia since 09/12/1991 |
|
Foreign
Trade Reg. no. : 152467 of Brescia |
|
Chamber
of Commerce no. : 125473 of Brescia since 03/06/1977 |
|
Firms'
Register : BS029-7448 of Brescia since 19/02/1996 |
|
V.A.T.
Code : 00267730174 |
|
Establishment
date |
:
25/03/1977 |
|
|
Start
of Activities |
:
25/03/1977 |
|
|
Legal
duration |
:
31/12/2050 |
|
|
Nominal
Capital |
:
100.000 |
|
|
Subscribed
Capital |
:
100.000 |
|
|
Paid up
Capital |
:
100.000 |
|
Legal
mail : |
RUMI@PEC.BUFFETTI.IT |
Members
|
Rumi |
Guerrino |
|
Born in
Botticino |
(BS) |
on
14/05/1936 |
-
Fiscal Code : RMUGRN36E14B091C |
|
Residence: |
Panoramica |
, 35/A |
- 25080 |
Botticino |
(BS) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
27/06/2014 |
||
|
Partner |
|
No
Prejudicial events are reported |
|
No
Protests registered |
|
Rumi |
Stefano |
|
Born in
Brescia |
(BS) |
on
29/12/1968 |
-
Fiscal Code : RMUSFN68T29B157H |
|
Residence: |
Panoramica |
, 33/D |
- 25080 |
Botticino |
(BS) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
27/06/2014 |
||
|
Board
Chairman |
27/06/2014 |
|
No
Prejudicial events are reported |
|
No
Protests registered |
|
Rumi |
Anna
Monica |
|
Born in
Brescia |
(BS) |
on
13/05/1964 |
-
Fiscal Code : RMUNMN64E53B157N |
|
Residence: |
Pastrengo |
, 11 |
- 25100 |
Brescia |
(BS) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
27/06/2014 |
|
Marty
S.r.l. |
|
: |
Panoramica |
, 35 |
- 25080 |
Botticino |
(BS) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Partner |
|
No
Prejudicial events are reported |
|
No
Protests registered |
Companies connected to members *
*checkings
have been performed on a national scale.
In this
module are listed the companies in which members hold or have holded positions.
|
Rumi |
Stefano |
|
Firm's
Style |
Seat |
Fiscal
Code |
Position |
Position
Status |
Firm's
Status |
|
ALBITAL
S.R.L. - IN LIQUIDAZIONE |
Brescia
(BS) - IT - |
00267970176 |
Liquidator |
Withdrawn |
Registered |
|
Marty
S.r.l. |
Botticino
(BS) - IT - |
02537970986 |
Director |
Active |
Registered |
|
Marty
S.r.l. |
Botticino
(BS) - IT - |
02537970986 |
Managing
Director |
Active |
Registered |
The
indication "REGISTERED" as Firm Status could refer to Firms in
Liquidation, Active, Inactive, etc.
For more
information, in this case, we advise to request further investigations.
Capital Shareholders
Shareholders'
list as at date of data collection:
|
Firm's
Style / Name |
Seat /
Residence |
Fiscal
Code |
Owned
Shares |
%
Ownership |
|
Rumi
Guerrino |
Botticino
- IT - |
RMUGRN36E14B091C |
50.000
.Eur |
50,00 |
|
Rumi
Stefano |
Botticino
- IT - |
RMUSFN68T29B157H |
1.282
.Eur |
1,28 |
|
Marty
S.r.l. |
Botticino
- IT - |
02537970986 |
48.717
.Eur |
48,71 |
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 |
|
Eventi
Moda S.r.l. |
Milano
- IT - |
04073390967 |
600
.Eur |
3,00 |
Active |
||
|
ALBITAL
S.R.L. - IN LIQUIDAZIONE |
Brescia
- IT - |
00267970176 |
15.300
.Eur |
60,00 |
Active |
||
|
LE
VILLE S.R.L. |
00470920174 |
245.317
.Eur |
100,00 |
Active |
|||
|
FIN MAR
S.R.L. |
01574910178 |
15.906
.Eur |
77,00 |
Active |
Firm's location and structure
In order
to carry out its activities the firm uses the following locations:
|
- |
Legal
and operative seat |
|
E.salgari |
, 11 |
- 25082 |
-
Botticino |
(BS) |
- IT - |
|
PHONE |
:
0302693221 |
|
Legal
mail |
:
RUMI@PEC.BUFFETTI.IT |
|
- |
Branch |
(Warehouse) |
since
01/04/2000 |
|
Molinetto |
, 12 |
- 25082 |
-
Botticino |
(BS) |
- IT - |
|
Employees |
: 8 |
|
Assistants |
: 2 |
|
Fittings
and Equipment for a value of 280.000 |
Eur |
|
Stocks
for a value of 750.000 |
Eur |
The firm
operates abroad as importer / exporter..
To
purchase foreign products the firm uses the following channels :
|
-
direct orders to foreign companies |
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:
|
-
Greece |
|
- Ireland |
Historical
Information and/or Firm's Status
CHANGES
TO THE LEGAL FORM:
|
Former
legal form |
New
legal form |
Changement
Date |
|
Joint
stock company |
Limited
liability company |
22/12/2005 |
COMPANY
STYLE MODIFICATIONS:
|
Former
Style |
New
Style |
Changement
Date |
|
RUMI
FRATELLI S.P.A. |
12/02/2002 |
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: |
|
Prejudicial
Events found with cancellations* |
on
11/09/2017.
|
MEDIOCREDITO ITALIANO SPA |
Legal
Mortgage on 19/03/2013. for an amount
of 101.994 Euro.
|
EQUITALIA NORD S. P. A. |
Legal
Mortgage on 29/01/2010. for an amount
of 135.150 Euro.
|
EQUITALIA ESATRI S. P. A. |
Legal
Mortgage on 28/09/2009. for an amount
of 573.868 Euro. Event writing-off
|
EQUITALIA ESATRI S. P. A. |
Search
performed on a specialized data base.
*Concerns
also partially erased events.
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 |
|
BOTTICINO
(BS) |
Buildings |
8 |
31/01/2018 |
|
BOTTICINO
(BS) |
Land |
4 |
31/01/2018 |
|
VILLA
CARCINA (BS) |
Buildings |
5 |
31/01/2018 |
|
Buildings
Details |
|
Cadastre |
Title |
Location |
Sheet
No. |
Particle
No. |
Sub No. |
Categorie |
Classe |
Consistence |
Cadastrial
Rent |
Part
No. |
|
B |
Proprieta'
per 1/1 |
BOTTICINO
(BS) VIA PANORAMICA, SNC Piano T |
NCT/13 |
443 |
cat.
F/1 |
|||||
|
B |
Proprieta'
per 1/1 |
BOTTICINO
(BS) VIA EMILIO SALGARI, Piano T |
NCT/23 |
52 |
1 |
cat.
D/7 |
Euro:
9.915,97 |
1640 |
||
|
B |
Proprieta'
per 1/1 |
BOTTICINO
(BS) VIA EMILIO SALGARI, Piano 1 |
NCT/23 |
52 |
2 |
cat.
D/7 |
Euro:
3.770,14 |
1640 |
||
|
B |
Proprieta'
per 1/1 |
BOTTICINO
(BS) VIA EMILIO SALGARI, 11 Piano T |
NCT/23 |
52 |
3 |
cat.
C/6 |
3 |
15 mq |
Euro:46,48 |
1640 |
|
B |
Proprieta'
per 1/1 |
BOTTICINO
(BS) VIA EMILIO SALGARI, 11 Piano T |
NCT/23 |
52 |
4 |
cat.
C/6 |
3 |
15 mq |
Euro:46,48 |
1640 |
|
B |
Proprieta'
per 1/1 |
BOTTICINO
(BS) VIA EMILIO SALGARI, 11 Piano T |
NCT/23 |
52 |
5 |
cat.
C/6 |
1 |
113 mq |
Euro:250,95 |
1640 |
|
B |
Proprieta'
per 1/1 |
BOTTICINO
(BS) VIA MOLINETTO, 12 Piano T |
NCT/32 |
169 |
1 |
cat.
C/3 |
2 |
333 mq |
Euro:1.031,88 |
1001059 |
|
B |
Proprieta'
per 1/1 |
BOTTICINO
(BS) VIA MOLINETTO, 12 Piano T |
NCT/32 |
169 |
4 |
cat.
C/2 |
2 |
49 mq |
Euro:129,06 |
|
|
B |
Proprieta'
per 1/1 |
VILLA
CARCINA (BS) VIA GUGLIELMO MARCONI, Piano S3 |
NCT/9 |
441 |
124 |
cat.
A/2 |
3 |
6 vani |
Euro:387,34 |
|
|
B |
Proprieta'
per 1/1 |
VILLA
CARCINA (BS) VIA GUGLIELMO MARCONI, Piano T |
NCT/9 |
441 |
96 |
cat.
A/2 |
3 |
7 vani |
Euro:451,90 |
|
|
B |
Proprieta'
per 1/1 |
VILLA
CARCINA (BS) VIA REPUBBLICA, Piano S1 |
NCT/9 |
447 |
135 |
cat.
C/6 |
2 |
11 mq |
Euro:31,25 |
|
|
B |
Proprieta'
per 1/1 |
VILLA
CARCINA (BS) VIA REPUBBLICA, Piano S1 |
NCT/9 |
447 |
180 |
cat.
C/6 |
2 |
16 mq |
Euro:45,45 |
|
|
B |
Proprieta'
per 1/1 |
VILLA
CARCINA (BS) VIA REPUBBLICA, Piano S1 |
NCT/9 |
447 |
185 |
cat.
C/6 |
2 |
16 mq |
Euro:45,45 |
|
Land
Details |
|
Cadastre |
Title |
Location |
Sheet
No. |
Particle
No. |
Sub No. |
Category |
Class |
Consistence |
Cadastrial
Rent |
Part
No. |
|
L |
Proprieta'
per 1/1 |
BOTTICINO
(BS) |
23 |
179 |
BOSCO
CEDUO |
2 |
2 are 7
ca |
R.D.Euro:0,48
R.A. Euro: 0,02 |
13657 |
|
|
L |
Proprieta'
per 1/1 |
BOTTICINO
(BS) |
23 |
30 |
COSTR
NO AB |
6 ca |
R.D.Euro:
R.A. Euro: |
|||
|
L |
Proprieta'
per 1/1 |
BOTTICINO
(BS) |
23 |
75 |
VIGNETO |
2 |
20 are
10 ca |
R.D.Euro:28,03
R.A. Euro: 12,98 |
13393 |
|
|
L |
Proprieta'
per 1/1 |
BOTTICINO
(BS) |
34 |
317 |
SEMIN
IRRIG |
1 |
99 are
1 ca |
R.D.Euro:81,82
(*) R.A. Euro: 92,04 |
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 1977.
Balance
sheets for the years 2014, 2015 and 2016 were analyzed.
In the
economic management , good and bad results followed on by turns. with a profit
(r.o.e. 0,28%) in the last financial year Business volume is falling in the
last financial year.
The
operating result was positive in the last financial year (1,17%) and in line
with the sector's average.
The
amount of the operating result for the year 2016 is of Eur. 80.503 , with no
sizeable change as opposed to the year before.
The gross
operating margin of the latest financial year is of Eur. 97.202 ,with no change
if compared to the year before.
Very good
financial situation: shareholder's equity covers short-terms debts with an
indebtedness level equal to 0,66 and with an upward trend compared to the
previous year.
It's
shareholders funds amount to Eur. 2.434.228 on the same levels as the year
before.
In the
year 2016 total debts amounted to Eur. 4.183.730 , a more or less stable value.
Liquidity
is good.
During
financial year 2016 the cash flow amounted to Eur. 23.575
Labour
cost amounts to Eur. 401.977, with a 22,7% incidence on production costs. ,
whereas the incidence on sales revenues is of 22,48%.
High
incidence of financial charges on turnover.
Financial Data
|
Complete
balance-sheet for the year |
al
31/12/2016 |
(in Eur |
x 1) |
|
Item
Type |
Value |
|
Sales |
1.788.197 |
|
Profit
(Loss) for the period |
6.876 |
|
Complete
balance-sheet for the year |
al
31/12/2015 |
(in Eur |
x 1) |
|
Item
Type |
Value |
|
Sales |
2.814.318 |
|
Profit
(Loss) for the period |
1.920 |
|
Complete
balance-sheet for the year |
al 31/12/2014 |
(in Eur |
x 1) |
|
Item
Type |
Value |
|
Sales |
1.696.495 |
|
Profit
(Loss) for the period |
-26.079 |
|
Complete
balance-sheet for the year |
al
31/12/2013 |
(in Eur |
x 1) |
|
Item
Type |
Value |
|
Sales |
817.930 |
|
Profit
(Loss) for the period |
708 |
|
Complete
balance-sheet for the year |
al
31/12/2012 |
(in Eur |
x 1) |
|
Item
Type |
Value |
|
Sales |
1.641.777 |
|
Profit
(Loss) for the period |
-17.287 |
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 |
|
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|
|
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 |
0,49 |
0,48 |
0,46 |
0,18 |
|
Elasticity
Ratio |
Units |
0,51 |
0,52 |
0,54 |
0,80 |
|
Availability
of stock |
Units |
0,11 |
0,12 |
0,20 |
0,24 |
|
Total
Liquidity Ratio |
Units |
0,40 |
0,40 |
0,34 |
0,48 |
|
Quick
Ratio |
Units |
0,01 |
0,02 |
0,01 |
0,03 |
|
COMPOSITION
ON SOURCE |
|||||
|
Net
Short-term indebtedness |
Units |
0,66 |
0,75 |
0,79 |
3,25 |
|
Self
Financing Ratio |
Units |
0,35 |
0,34 |
0,32 |
0,19 |
|
Capital
protection Ratio |
Units |
0,96 |
0,96 |
0,97 |
0,63 |
|
Liabilities
consolidation quotient |
Units |
1,66 |
1,34 |
1,57 |
0,19 |
|
Financing |
Units |
1,72 |
1,80 |
1,99 |
3,80 |
|
Permanent
Indebtedness Ratio |
Units |
0,75 |
0,72 |
0,73 |
0,36 |
|
M/L
term Debts Ratio |
Units |
0,40 |
0,37 |
0,41 |
0,11 |
|
Net
Financial Indebtedness Ratio |
Units |
n.c. |
n.c. |
n.c. |
0,63 |
|
CORRELATION |
|||||
|
Fixed
assets ratio |
Units |
1,53 |
1,49 |
1,61 |
1,75 |
|
Current
ratio |
Units |
2,10 |
1,86 |
2,07 |
1,21 |
|
Acid
Test Ratio-Liquidity Ratio |
Units |
1,65 |
1,44 |
1,30 |
0,81 |
|
Structure's
primary quotient |
Units |
0,72 |
0,71 |
0,71 |
1,03 |
|
Treasury's
primary quotient |
Units |
0,03 |
0,07 |
0,02 |
0,06 |
|
Rate of
indebtedness ( Leverage ) |
% |
283,45 |
290,84 |
308,64 |
516,42 |
|
Current
Capital ( net ) |
Value |
1.832.558 |
1.693.234 |
2.094.522 |
422.465 |
|
RETURN |
|||||
|
Return
on Sales |
% |
1,32 |
0,75 |
-0,35 |
3,35 |
|
Return
on Equity - Net- ( R.O.E. ) |
% |
0,28 |
0,08 |
-1,08 |
5,13 |
|
Return
on Equity - Gross - ( R.O.E. ) |
% |
1,27 |
2,07 |
0,31 |
14,77 |
|
Return
on Investment ( R.O.I. ) |
% |
1,17 |
1,33 |
0,73 |
4,16 |
|
Return/
Sales |
% |
4,50 |
3,34 |
3,21 |
4,11 |
|
Extra
Management revenues/charges incid. |
% |
8,54 |
2,04 |
-47,82 |
28,57 |
|
Cash
Flow |
Value |
23.575 |
21.127 |
-5.926 |
122.482 |
|
Operating
Profit |
Value |
80.503 |
93.957 |
54.540 |
144.752 |
|
Gross
Operating Margin |
Value |
97.202 |
113.164 |
74.693 |
241.990 |
|
MANAGEMENT |
|||||
|
Credits
to clients average term |
Days |
n.c. |
n.c. |
n.c. |
111,85 |
|
Debts
to suppliers average term |
Days |
n.c. |
n.c. |
n.c. |
128,30 |
|
Average
stock waiting period |
Days |
150,29 |
106,95 |
317,92 |
80,43 |
|
Rate of
capital employed return ( Turnover ) |
Units |
0,26 |
0,40 |
0,23 |
1,08 |
|
Rate of
stock return |
Units |
2,40 |
3,37 |
1,13 |
4,45 |
|
Labour
cost incidence |
% |
22,48 |
15,07 |
27,50 |
19,12 |
|
Net
financial revenues/ charges incidence |
% |
-2,78 |
-1,81 |
-3,11 |
-1,08 |
|
Labour
cost on purchasing expenses |
% |
22,70 |
17,23 |
22,30 |
19,02 |
|
Short-term
financing charges |
% |
1,19 |
1,16 |
1,09 |
2,68 |
|
Capital
on hand |
% |
385,86 |
250,83 |
441,26 |
91,91 |
|
Sales
pro employee |
Value |
149.016 |
216.486 |
121.178 |
198.432 |
|
Labour
cost pro employee |
Value |
33.498 |
32.615 |
33.323 |
35.779 |
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 |
: |
1.169.259 |
|
Population
living in the region |
: |
9.393.092 |
|
Number
of families in the region |
: |
3.858.736 |
Monthly
family expences average in the region (in Eur..) :
|
- per
food products |
: |
460 |
|
- per
non food products |
: |
2.090 |
|
- per
energy consume |
: |
114 |
Sector Data
The
values are calculated on a base of 1.206 significant companies.
The
companies cash their credits on an average of 112 dd.
The
average duration of suppliers debts is about 128 dd.
The
sector's profitability is on an average of 3,35%.
The
labour cost affects the turnover in the measure of 19,12%.
Goods are
held in stock in a range of 80 dd.
The
difference between the sales volume and the resources used to realize it is
about 1,08.
The
employees costs represent the 19,02% of the production costs.
Statistical Detrimental Data
Statistcally
the trade activity shows periods of crisis.
The area
is statistically considered moderately risky.
In the
region 50.886 protested subjects are found; in the province they count to
5.551.
The
insolvency index for the region is 0,55, , while for the province it is 0,48.
Total
Bankrupt companies in the province : 3.452.
Total
Bankrupt companies in the region : 39.612.
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
: |
NIY |
|
|
|
|
Report Prepared
by : |
SYL |
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.