3decades

MIRA INFORM REPORT

Report No. :	484338
Report Date :	04.01.2018

IDENTIFICATION DETAILS

Name :	FEELYSTONE BOYLE LIMITED

Registered Office :	Greatmeadow, Boyle, Coroscommon, 95211

Country :	Ireland

Financials (as on) :	31.12.2016

Date of Incorporation :	06.09.2002

Com. Reg. No.:	IE361082

Legal Form :	LTD - PRIVATE COMPANY LIMITED BY SHARES

Line of Business :	· The Processing, Fabrication And Retail Of Natural Stone · Cutting, Shaping And Finishing Of Stone

No. of Employees :	17

RATING & COMMENTS

(Mira Inform has adopted New Rating mechanism w.e.f. 23^rd January 2017)

MIRA’s Rating :

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)

Ireland

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

Company Name and address

Top of Form

Company Name: FEELYSTONE BOYLE LIMITED

Company No: IE361082

Registered Address: GREATMEADOW BOYLE COROSCOMMON 95211

Company Summary

Registered Address GREATMEADOW
BOYLE
COROSCOMMON
95211

Trading Address GREATMEADOW
BOYLE
COROSCOMMON
COROSCOMMON
95211

Website Address -

Eircode -

VAT Number IE9574830C

Telephone Number

Fax Number

TPS No

FPS Yes

Incorporation Date 06/09/2002

Previous Name

Type LTD - PRIVATE COMPANY LIMITED BY SHARES

FTSE Index -

Date of Change -

Filing Date of Accounts -

Currency EUR

Share Capital €4,100

SIC07 23700

Charity Number -

SIC07 Description CUTTING, SHAPING AND FINISHING OF STONE

Principal Activity The processing, fabrication and retail of natural stone.

Nace Code -

Nace Description -

Additional Information

CJ's 0 (€0)

No CJ Information To Display

Ultimate Holding Company -

Accountant -

Mortgages 2

Group 0 companies

Linkages 0 companies

Countries In 0 countries

Key Financials

Year to Date Turnover Pre Tax Profit Shareholder's Funds Employees

31/12/2016 - - €644,497 17

31/12/2015 - - €657,267 15

31/12/2014 - - €609,696 15

Mortgage Summary

Total Mortgage 2

Outstanding 2

Satisfied 0

Trade Debtors / Bad Debt Summary

Total Number of Documented Trade 0

Total Value of Documented Trade €0

Commentary

No exact match CCJs are recorded against the company.
The company's credit rating has increased from 52 to 64 which indicates good creditworthiness.
There is insufficient data to indicate a change in this company's percentage of sales.
A 6.1% growth in Total Assets occurred during the latest trading period.

CJ

Total Number of Exact CJs -	Total Value of Exact CJs -	€0
Total Number of Possible CJs -	Total Value of Possible CJs -	€0
Total Number of Satisfied CJs -	Total Value of Satisfied CJs -	€0

Total Current Directors	1	Total Current Secretaries	1
Total Previous Directors / Company Secretaries	12

Current Directors

Title		Function	Director
Name	FINBARR H. FEELY	Nationality
Date of Birth	04/1974	Present Appointments	1
Latest Address	GREATMEADOW, BOYLE, CO. ROSCOMMON.	Appointment Date	03/10/2003
Eircode
Other Actions	View Director Report

Current Company Secretary

Title		Function	Company Secretary
Name	AOIFE FEELY	Nationality
Date of Birth	04/1978	Present Appointments	1
Latest Address	GREATMEADOW, BOYLE, CO ROSCOMMON	Appointment Date	21/12/2016
Eircode
Other Actions

Authorised Person

Top Shareholders

Name	Currency	Share Count	Share Type	Nominal Value	% of Total Share Count
FINBAR H. FEELY	EUR	4,100	ORDINARY	1	100
1

Financials

Profit & Loss

	Date Of Accounts	31/12/16	(%)	31/12/15	(%)	31/12/14	(%)	31/12/13	(%)	31/12/12
	Weeks	52	(%)	52	(%)	52	(%)	52	(%)	52
	Currency	EUR	(%)	EUR	(%)	EUR	(%)	EUR	(%)	EUR
	Consolidated A/cs	N	(%)	N	(%)	N	(%)	N	(%)	N
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Turnover	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Export	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Cost of Sales	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Gross Profit	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Wages & Salaries	€610,436	17.3%	€520,398	5.8%	€492,027	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Directors Emoluments	€46,545	3.9%	€44,788	6%	€42,253	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Operating Profit	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Depreciation	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Audit Fees	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Interest Payments	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Pre Tax Profit	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Taxation	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Profit After Tax	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Dividends Payable	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Retained Profit	-	-	-	-	-	-	-	-	-

Balance Sheet

	Date Of Accounts	31/12/16	(%)	31/12/15	(%)	31/12/14	(%)	31/12/13	(%)	31/12/12
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Tangible Assets	€1,569,877	-3.9%	€1,633,830	-4.5%	€1,711,642	-8%	€1,860,843	-4.1%	€1,940,977
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Intangible Assets	0	-	0	-100%	€2,900	-50%	€5,800	-33.3%	€8,700
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Total Fixed Assets	€1,569,877	-3.9%	€1,633,830	-4.7%	€1,714,542	-8.1%	€1,866,643	-4.3%	€1,949,677
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Stock	€391,737	5.7%	€370,619	-0.8%	€373,477	16.6%	€320,373	-14.3%	€373,797
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Trade Debtors	€576,130	42.7%	€403,637	23.5%	€326,858	32.7%	€246,396	4.9%	€234,987
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Cash	€17,371	-	0	-100%	€33,384	19.2%	€28,011	999.9%	€322
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Other Debtors	0	-	0	-	0	-	0	-	0
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Miscellaneous Current Assets	0	-	0	-	0	-	0	-	0
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Total Current Assets	€985,238	27.2%	€774,256	5.5%	€733,719	23.4%	€594,780	-2.4%	€609,106
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Trade Creditors	€1,037,620	56.7%	€662,127	-0.3%	€663,822	-6.2%	€707,671	-5.9%	€752,381
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Bank Loans & Overdrafts	0	-	0	-100%	€43,873	-87.4%	€348,102	129.6%	€151,627
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Other Short Term Finance	0	-	0	-100%	€7,776	-	0	-100%	€948
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Miscellaneous Current Liabilities	€15,242	26.6%	€12,035	6.5%	€11,302	-5.6%	€11,969	16.6%	€10,262
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Total Current Liabilities	€1,052,862	56.2%	€674,162	-7.2%	€726,773	-31.9%	€1,067,742	16.7%	€915,218
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Bank Loans & Overdrafts and LTL	€857,756	-20.3%	€1,076,657	-6.8%	€1,155,665	7%	€1,080,509	-2.7%	€1,110,930
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Other Long Term Finance	0	-	0	-100%	€14,964	-	0	-	0
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Total Long Term Liabilities	€857,756	-20.3%	€1,076,657	-3.2%	€1,111,792	51.8%	€732,407	-23.7%	€959,303

Capital & Reserves

	Date Of Accounts	31/12/16	(%)	31/12/15	(%)	31/12/14	(%)	31/12/13	(%)	31/12/12
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Called Up Share Capital	€4,100	-	€4,100	-	€4,100	-	€4,100	-	€4,100
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	P & L Account Reserve	-€3,345,147	-0.4%	-€3,332,377	1.4%	-€3,379,948	-1.5%	-€3,328,370	-0.7%	-€3,305,382
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Revaluation Reserve	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Sundry Reserves	€3,985,544	-	€3,985,544	-	€3,985,544	-	€3,985,544	-	€3,985,544
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Shareholder Funds	€644,497	-1.9%	€657,267	7.8%	€609,696	-7.8%	€661,274	-3.4%	€684,262

Other Financial Items

	Date Of Accounts	31/12/16	(%)	31/12/15	(%)	31/12/14	(%)	31/12/13	(%)	31/12/12
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Net Worth	€644,497	-1.9%	€657,267	8.3%	€606,796	-7.4%	€655,474	-3%	€675,562
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Working Capital	-€67,624	-167.6%	€100,094	999.9%	€6,946	101.5%	-€472,962	-54.5%	-€306,112
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Total Assets	€2,555,115	6.1%	€2,408,086	-1.6%	€2,448,261	-0.5%	€2,461,423	-3.8%	€2,558,783
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Total Liabilities	€1,910,618	9.1%	€1,750,819	-4.8%	€1,838,565	2.1%	€1,800,149	-4%	€1,874,521
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Net Assets	€644,497	-1.9%	€657,267	7.8%	€609,696	-7.8%	€661,274	-3.4%	€684,262

Cash Flow

	Date Of Accounts	31/12/16	(%)	31/12/15	(%)	31/12/14	(%)	31/12/13	(%)	31/12/12
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Net Cashflow from Operations	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Net Cashflow before Financing	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Net Cashflow from Financing	-	-	-	-	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Increase in Cash	-	-	-	-	-	-	-	-	-

Miscellaneous

	Date Of Accounts	31/12/16	(%)	31/12/15	(%)	31/12/14	(%)	31/12/13	(%)	31/12/12
	Contingent Liability	NO	-	NO	-	NO	-	NO	-	NO
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Capital Employed	€1,502,253	-13.4%	€1,733,924	0.7%	€1,721,488	23.5%	€1,393,681	-15.2%	€1,643,565
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Number of Employees	17	13.3%	15	-	15	-	-	-	-
	Accountants
	Auditors
	Auditor Comments	The company is exempt from audit
	Bankers	BANK OF IRELAND
	Bank Branch Code	90-53-28

Ratios

	Date Of Accounts	31/12/16	31/12/15	31/12/14	31/12/13	31/12/12
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Pre-tax profit margin %	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Current ratio	0.94	1.15	1.01	0.56	0.67
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Sales/Net Working Capital	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Gearing %	133.10	163.80	189.50	163.40	162.40
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Equity in %	25.20	27.30	24.90	26.90	26.80
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Creditor Days	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Debtor Days	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Liquidity/Acid Test	0.56	0.59	0.49	0.25	0.25
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Return On Capital Employed %	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Return On Total Assets Employed %	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Current Debt Ratio	1.63	1.02	1.19	1.61	1.33
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Total Debt Ratio	2.96	2.66	3.01	2.72	2.73
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Stock Turnover Ratio %	-	-	-	-	-
$Description: \\vivek-pc\123 Foreign Report Raw\FEELYSTONE BOYLE LIMITED_files\barchart-grey.png$	Return on Net Assets Employed %	-	-	-	-	-

Event History View Documents

Date	Description
22/09/2017	Annual Returns
22/09/2017	New Accounts Filed
22/09/2017	New Accounts Filed
21/12/2016	FINBARR H. FEELY has resigned as company secretary
21/12/2016	AOIFE FEELY has left the board
21/12/2016	New Company Secretary (AOIFE FEELY) appointed
01/07/2016	New Accounts Filed
01/07/2016	New Accounts Filed
30/06/2016	Annual Returns
03/06/2015	New Accounts Filed
02/06/2015	Annual Returns
19/05/2014	New Accounts Filed
17/05/2014	Annual Returns
15/05/2013	New Accounts Filed
13/05/2013	Annual Returns

Statistics

Group	-
Linkages	0 companies
Countries	In 0 countries

Summary

Holding Company	-
Ownership Status
Ultimate Holding Company	-

Group Structure Full

No Group Structure

Statistics

Group	0 companies
Linkages	0 companies
Countries	In 0 countries

Mortgage Details

Mortgage Type:	A charge on uncalled share capital of the company. A charge on land, wherever situate, or any interest therein, but not including a charge for any rent or other periodical sum issuing out of land. A charge on book debts of the company. A floating charge on the undertakings or property of the company. A charge on goodwill, on a patent or licence under a patent, on a trademark or on a copyright or a licence under copyright.
Date Charge Created:	29/04/11
Date Charge Registered:	05/05/11
Date Charge Satisfied:	-
Status:	NOT SATISFIED
Person(s) Entitled:	THE GOVERNOR AND COMPANY OF THE BANK OF IRELAND
Amount Secured:
Details:	All monies and/or obligations which now are, or at any time may become, due or owing to the security holder by the company on any account and all the other liabilities whatsoever of the company to the security holder whether actual or contingent and whether as principal debtor, guarantor, surety or otherwise.
Mortgage Type:	A floating charge on the undertakings or property of the company.
Date Charge Created:	22/10/07
Date Charge Registered:	26/10/07
Date Charge Satisfied:	-
Status:	NOT SATISFIED
Person(s) Entitled:	THE GOVERNOR & CO OF THE BANK OF IRELAND
Amount Secured:
Details:	All monies and/or obligations which now are, or at any time may become, due or owing to the security holder by the company on any account and all the other liabilities whatsoever of the company to the security holder whether actual or contingent and whether as principal debtor, guarantor, surety or otherwise.

Previous Director/Company Secretaries

Name	Current Active Appointments	Previous Appointments	Dissolved Companies
FLORENCE FEELY	1	5	13
FLORENCE FEELY	1	5	13
PATRICK FEELY	1	5	6
JON ANTHONY ROCK	20	3399	4743
ICC TRUST & CORPORATE SERVICES LIMITED	4	1201	356
FINBARR MARTIN FEELY	0	1	5
EAMONN DOYLE	15	2	8
COLIN FEELY	0	1	0
GEMMA FITZGERALD	0	368	543
MICHAEL MEANEY	4	1	1
FINBARR H. FEELY	1	2	4
AOIFE FEELY	1	1	0

FOREIGN EXCHANGE RATES

Currency	Unit	Indian Rupees
US Dollar	1	INR 63.48
UK Pound	1	INR 86.41
Euro	1	INR 76.54
Euro	1	INR 76.23

Note : Above are approximate rates obtained from sources believed to be correct

INFORMATION DETAILS

Analysis Done by :	VIV

Report Prepared by :	KET

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)

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.