|
|
|
MIRA INFORM REPORT
|
Report No. : |
485641 |
|
Report Date : |
11.01.2018 |
IDENTIFICATION DETAILS
|
Name : |
ORDIPOL SP. Z O.O. |
|
|
|
|
Registered Office : |
Ul. Logistyczna 1 55-040 Bielany Wroclawskie |
|
|
|
|
Country : |
Poland |
|
|
|
|
Financials (as on) : |
31.12.2016 |
|
|
|
|
Date of Incorporation : |
29.10.1997 |
|
|
|
|
Legal Form : |
Limited liability company |
|
|
|
|
Line of Business : |
·
Retail sale of clothing (ORSAY shops) ·
Other retail ·
Manufacture of other outerwear ·
Building erection related general building
activity ·
Buying and selling of own real estate ·
Public relation and communication |
|
|
|
|
No. of Employees : |
1235 (2012) |
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 : |
Good |
|
|
|
|
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
|
Country Name |
Previous Rating (30.06.2017) |
Current Rating (30.09.2017) |
|
Poland |
A2 |
A2 |
|
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 |
POLAND - ECONOMIC OVERVIEW
Poland has the sixth-largest economy in the EU and has long had a reputation as a business-friendly country with largely sound macroeconomic policies. Since 1990, Poland has pursued a policy of economic liberalization. During the 2008-09 economic slowdown Poland was the only EU country to avoid a recession, in part because of the government’s loose fiscal policy combined with a commitment to rein in spending in the medium-term. However, since 2015 Warsaw’s prioritization of spending on social welfare programs has prompted investors to decrease Poland’s economic growth projections for the next few years.
The Polish economy performed well during the 2014-16 period, with the real GDP growth rate exceeding 3%, in part because of the government’s fiscal prudence. Poland’s economic growth in 2017 is projected by some credit rating agencies to slow, however, because of Poland’s government’s increase in social spending since 2015, including the provision of cash transfers for low income families, families with more than one child, and the reduction of the retirement age which will take effect in October 2017. The government has tried to introduce new taxes and boost tax compliance to offset the costs of the social spending programs and relieve upward pressure on the budget deficit. Some credit ratings agencies estimate that Poland will exceed the EU’s 3%-of-GDP limit on budget deficits, possibly impacting its access to future EU funds.
Poland faces several systemic challenges, which include addressing some of the remaining deficiencies in its road and rail infrastructure, business environment, rigid labor code, commercial court system, government red tape, and burdensome tax system, especially for entrepreneurs. Additional long-term challenges include diversifying Poland’s energy mix, strengthening investments in innovation, research, and development, as well as stemming the outflow of educated young Poles to other EU member states, especially in light of a coming demographic contraction due to emigration, persistently low fertility rates, and the aging of the Solidarity-era baby boom generation.
|
Source
: CIA |
Company
name and address
ORDIPOL Sp. z o.o.
ul. Logistyczna 1
55-040 Bielany Wroclawskie
Phone: 71 7348000 71 7348810
Fax: 71 7348999
E-mail: info@orsay.com
Website: http://world.orsay.com http://www.orsay.com
Company
summery
|
Legal form |
Limited liability company |
|
Stat.no. |
351359195 |
|
Tax ID |
PL 6772001669 |
|
Establishment |
29.10.1997 |
|
Changes of names and addresses |
29.10.1997 ul. Piastowska 15, 30-211 Kraków 19.02.1999 ul. Kromera 44, 51-163 Wrocław 06.09.2000 ul. Długosza 2-6, 51-162 Wrocław 12.04.2002 ul. Wielkopolska 72, 54-027 Wrocław 12.06.2008 ul. Logistyczna 1, 55-040 Bielany Wrocławskie |
|
Registration: |
06.12.2001, District Court Wrocław VI Department, KRS 68811 Data concerning previous registrations: 10.11.1997, District Court Kraków, RHB 7625 13.04.1999, District Court Wrocław, RHB 8511 |
|
Shareholders |
MHV Handelmaatschappij NV,
Johannes |
PLN |
49 950,00 |
|
|
Vermeerstraat 24,
1071 Amsterdam, Netherlands |
|
99,90% |
|
|
MEERLUCHT B.V., Amsterdam,
Netherlands |
PLN |
50,00 |
|
|
|
|
0,10% |
|
|
list prepared on 30.06.2006 |
|
|
Initial Capital PLN 50 000,00
Initial capital divided into 100 shares of PLN 500,00 each
Management Matthias Klein , Humboldstrasse 17, 40237 Dusseldorf
, Germany
- president
Rafał Władysław Światłowski , personal ID no. (PESEL) 72020200232,
Owczarnia, ul. Książenicka 102A, 05-807 Podkowa Leśna
- member of board of directors
Proxies:
Mariusz Owczarek , personal ID no. (PESEL) 68032502251
- independent proxy
Alexander Beuntker
- independent proxy
Agnieszka Peter , personal ID no. (PESEL) 73031801089
- independent proxy
Representation:
To submit statements of will and sign on behalf of the company:
Each member of the board of directors individually.
Main activity Retail sale of clothing (ORSAY shops)
Branches NACE 2007:
Other retail (G.47.71.Z)
Manufacture of other outerwear (C.14.13.Z)
Building erection related general building activity (F.41.10.Z)
Buying and selling of own real estate (L.68.10.Z)
Public relation and communication (M.70.21.Z)
Other education (P.85.59.B)
|
Employment |
2008: |
1090 |
employees |
|
|
2009: |
1144 |
employees |
|
|
2010: |
1222 |
employees |
|
|
2011: |
1277 |
employees |
|
|
2012: |
1235 |
employees |
|
Turnover |
2012 |
PLN |
898 381000,00 |
|
|
2013 |
PLN |
631 763000,00 |
|
|
2014 |
PLN |
340 077000,00 |
|
|
2015 |
PLN |
359 023000,00 |
|
|
2016 |
PLN |
391 502000,00 |
Financial
statements
|
Source of financial data |
Court |
Court |
other |
Court |
|
|
annual |
annual |
annual |
annual |
|
Personal balance sheet as at |
31.12.2016 |
31.12.2015 |
31.12.2014 |
31.12.2013 |
|
|
(PLN) |
(PLN) |
(PLN) |
(PLN) |
|
-A. Fixed assets... |
51 433
000,00 |
54 591
000,00 |
58 931
000,00 |
68 705
000,00 |
|
- I.
Intangible assets... |
237 000,00 |
160 000,00 |
53 000,00 |
114 000,00 |
|
3. Other intangible assets... |
237 000,00 |
160 000,00 |
53 000,00 |
114 000,00 |
|
- II. Tangible assets... |
49 424
000,00 |
52 545
000,00 |
56 941 000,00 |
65 498
000,00 |
|
1. Fixed goods... |
48 470
000,00 |
50 759
000,00 |
56 656
000,00 |
64 856
000,00 |
|
b) buildings, premises, facilities... |
28 468
000,00 |
32 330
000,00 |
35 913
000,00 |
39 758
000,00 |
|
|
|
|
|
|
|
c) machinery and equipment... |
12 586
000,00 |
11 670
000,00 |
15 112
000,00 |
18 379
000,00 |
|
d) fleet of motor vehicles... |
1 853
000,00 |
1 464
000,00 |
1 006
000,00 |
1 127
000,00 |
|
e) other fixed goods... |
5 563
000,00 |
5 295 000,00 |
4 625
000,00 |
5 591
000,00 |
|
2. Fixed goods under |
954 000,00 |
1 786
000,00 |
285 000,00 |
642 000,00 |
|
construction... |
|
|
|
|
|
-V. Long-term prepayments and |
1 772
000,00 |
1 886
000,00 |
1 937
000,00 |
3 093
000,00 |
|
accrued income... |
|
|
|
|
|
1. Deferred tax assets... |
1 772
000,00 |
1 886
000,00 |
1 937
000,00 |
3 093
000,00 |
|
-B. Current assets... |
38 246
00,00 |
59 290
00,00 |
60 514
00,00 |
52 498
00,00 |
|
- I. Stock... |
20 252
00,00 |
20 972
00,00 |
19 138
00,00 |
15 296
00,00 |
|
4. Goods for re-sale... |
20
252 000,00 |
20 972
00,00 |
19 138
00,00 |
15 296
00,00 |
|
- II. Short-term
receivables... |
985 000,00 |
8 563
000,00 |
9 310
000,00 |
13 907
00,00 |
|
1. Receivables from affiliated companies... |
641 000,00 |
7 486
000,00 |
7 453
000,00 |
7 466
000,00 |
|
|
|
|
|
|
|
a) Due to deliveries and |
641 000,00 |
7 486
000,00 |
7 453
000,00 |
7 466
000,00 |
|
services with payment period:... |
|
|
|
|
|
- up to 12 months... |
641 000,00 |
7 486
000,00 |
7 453
000,00 |
7 466
000,00 |
|
2. Other receivables ... |
344 000,00 |
1 077
000,00 |
1 857
000,00 |
6 441
000,00 |
|
a) Due to deliveries and |
291 000,00 |
576 000,00 |
258 000,00 |
685 000,00 |
|
services with payment period:... |
|
|
|
|
|
- up to 12 months... |
291 000,00 |
576 000,00 |
258 000,00 |
685 000,00 |
|
b) Due to taxes, subsidies, |
|
|
1 502
000,00 |
5 294
000,00 |
|
insurances, duties, etc... |
|
|
|
|
|
c) Other... |
54 000,00 |
501 000,00 |
97 000,00 |
463 000,00 |
|
- III. Short term
investments... |
16 838
00,00 |
27 412
00,00 |
29 319
00,00 |
20 406
000,00 |
|
1. Short-term financial assets... |
16 838
00,00 |
27 412
00,00 |
29 319
00,00 |
20 406
00,00 |
|
c) cash and other liquid assets... |
16 838
00,00 |
27 412
00,00 |
29 319
00,00 |
20 406
00,00 |
|
|
|
|
|
|
|
- cash in hand and on bank account... |
13 018
00,00 |
24 266
00,00 |
27 623
00,00 |
19 206
00,00 |
|
|
|
|
|
|
|
- other liquid assets... |
3 640
000,00 |
2 966
000,00 |
516 000,00 |
|
|
- other liquid assets
(i.e. |
|
180 000,00 |
1 180 000,00 |
1 199
000,00 |
|
interests from depos... |
|
|
|
|
|
-IV. Short-term prepayments and
accrued income... |
170 000,00 |
2 343
000,00 |
2 748
000,00 |
2 889
000,00 |
|
-D. Total assets... |
89 679
00,00 |
113 881
000,00 |
119 445 000,00 |
121 203
000,00 |
|
-A. Shareholders' equity... |
48 528
000,00 |
65 932
000,00 |
69 651
000,00 |
64 055
000,00 |
|
- I. Basic share capital... |
50 000,00 |
50 000,00 |
50 000,00 |
50 000,00 |
|
- IV. Statutory reserve capital... |
40 962
000,00 |
40 962
000,00 |
40 962
000,00 |
40 962
000,00 |
|
- VI. Other reserve capital... |
4 915
000,00 |
4 915
000,00 |
4 915
000,00 |
|
|
- VII. Profit (loss) carried forward. |
4 605
000,00 |
14 524
000,00 |
18 128
000,00 |
18 128
000,00 |
|
- VIII. Net profit (loss)... |
-2 003
000,00 |
5 481
000,00 |
5 596
000,00 |
4 915
000,00 |
|
-B. Liabilities and reserves for liabilities... |
41 151
000,00 |
47 949
000,00 |
49 794 000,00 |
57 148
000,00 |
|
|
|
|
|
|
|
- I. Reserves for liabilities... |
8 197
000,00 |
8 015
000,00 |
8 263
000,00 |
7 521
000,00 |
|
1. Deferred income tax reserves.. |
1 000,00 |
|
8 000,00 |
5 000,00 |
|
2. Reserves for pensions and |
1 649
000,00 |
1 588
000,00 |
1 580
000,00 |
524 000,00 |
|
similar social payments... |
|
|
|
|
|
- short-term... |
1 649
000,00 |
1 588
000,00 |
1 580
000,00 |
524 000,00 |
|
3. Other reserves... |
6 547 000,00 |
6 427
000,00 |
6 675
000,00 |
6 992
000,00 |
|
- long-term... |
|
1 027
000,00 |
|
|
|
- short-term... |
6 547
000,00 |
5 400
000,00 |
6 675
000,00 |
6 992
000,00 |
|
-III. Short-term liabilities... |
32 955
000,00 |
39 934 000,00 |
41 532
000,00 |
49 627
000,00 |
|
1. Due to affiliated companies... |
14 162
000,00 |
29 434
000,00 |
30 752
000,00 |
41 542
000,00 |
|
a) Due to deliveries and |
9 301
000,00 |
29 434
000,00 |
27 702
000,00 |
22 243
000,00 |
|
services with payment period:... |
|
|
|
|
|
- up to 12 months... |
9 301
000,00 |
29 434
000,00 |
27 702
000,00 |
22 243
000,00 |
|
b) Other... |
4 861
000,00 |
|
3 050
000,00 |
19 299
000,00 |
|
2. Other liabilities... |
18 602
000,00 |
10 301
000,00 |
10 645
000,00 |
7 917
000,00 |
|
d)Due to deliveries and |
6 400
000,00 |
5 482
000,00 |
4 966
000,00 |
6 245
000,00 |
|
services with payment period:... |
|
|
|
|
|
- up to 12 months... |
6 400
000,00 |
5 482
000,00 |
4 966
000,00 |
6 245
000,00 |
|
g) Due to taxes, subsidies, |
12 144
000,00 |
4 818
000,00 |
5 622
000,00 |
1 307
000,00 |
|
insurances, duties, etc... |
|
|
|
|
|
h) Due to salaries... |
52 000,00 |
1 000,00 |
45 000,00 |
48 000,00 |
|
i) Other... |
6 000,00 |
|
12 000,00 |
318 000,00 |
|
3. Special funds... |
190 000,00 |
200 000,00 |
135 000,00 |
168 000,00 |
|
-D. Total liabilities... |
89 679
000,00 |
113 881
00,00 |
119 445
00,00 |
121 203
00,00 |
|
Source of financial data |
Court |
Court |
other |
Court |
|
|
annual |
annual |
annual |
annual |
|
individual PROFIT AND LOSS ACCOUNT |
01.01.2016- |
01.01.2015- |
01.01.2014- |
01.01.2013- |
|
|
31.12.2016 |
31.12.2015 |
31.12.2014 |
31.12.2013 |
|
|
(PLN) |
(PLN) |
(PLN) |
(PLN) |
|
-A. Income from sales and similar... |
391 502
00,00 |
359 023 000,00 |
340 077
00,00 |
631 763
00,00 |
|
- including related companies... |
48 272
000,00 |
44 347
000,00 |
43 420
000,00 |
296 247
000,00 |
|
- I. Net income on sales... |
45 243
000,00 |
40 835
000,00 |
42 298
000,00 |
50 336
000,00 |
|
- IV. Income from sales of goods |
346 259
00,00 |
318 188
00,00 |
297 779
00,00 |
581 426 000,00 |
|
and materials... |
|
|
|
|
|
-B. Operational costs... |
395 049
00,00 |
358 992
00,00 |
335 917
00,00 |
635 794
00,00 |
|
- I. Depreciation... |
14 113
000,00 |
16 315
000,00 |
16 558
000,00 |
16 961
000,00 |
|
- II. Materials and energy... |
14 240
000,00 |
13 375
000,00 |
12 746
000,00 |
12 484
000,00 |
|
- III. Third party
services... |
125 397
000,00 |
114 627
000,00 |
115 785
000,00 |
138 928
000,00 |
|
- IV. Taxes and duties... |
1 402
000,00 |
1 450
000,00 |
1 318
000,00 |
1 404
000,00 |
|
- V. Salaries and wages... |
43 451
000,00 |
37 697
000,00 |
36 611
000,00 |
35 054
000,00 |
|
- VI. Social security... |
9 461
000,00 |
8 785
000,00 |
8 281
000,00 |
7 608
000,00 |
|
- VII. Other... |
13 408
000,00 |
12 016
000,00 |
7 518
000,00 |
6 800
000,00 |
|
- VIII.Costs of goods
and materials |
173 577
0,00 |
154 727
0,00 |
137 100
0,00 |
416 555
0,00 |
|
sold... |
|
|
|
|
|
-C. Profit on sale... |
|
31 000,00 |
4 160
000,00 |
|
|
-C. Loss on sale... |
3 547
000,00 |
|
|
4 031
000,00 |
|
-D. Other operating incomes... |
10 525
000,00 |
7 969
000,00 |
6 867
000,00 |
13 047
000,00 |
|
- I. Incomes from disposal |
37 000,00 |
81 000,00 |
77 000,00 |
112 000,00 |
|
non-financial assets... |
|
|
|
|
|
- III. Other operating
incomes... |
10 488
000,00 |
7 888
000,00 |
6 790
000,00 |
12 935
000,00 |
|
-E. Other operating costs... |
3 843
000,00 |
2 570
000,00 |
2 197
000,00 |
3 313
000,00 |
|
- I. Loss on disposal of |
174 000,00 |
81 000,00 |
493 000,00 |
739 000,00 |
|
non-finacial assets... |
|
|
|
|
|
- II. Goodwill revaluation... |
|
|
|
1 159
000,00 |
|
- III. Other operating
costs... |
3 669
000,00 |
2 489 000,00 |
1 704
000,00 |
1 415
000,00 |
|
-F. Profit on operating activities... |
3 135
000,00 |
5 430
000,00 |
8 830
000,00 |
5 703
000,00 |
|
-G. Financial incomes... |
334 000,00 |
1 786
000,00 |
562 000,00 |
18 096
000,00 |
|
- II. Interest received... |
135 000,00 |
234 000,00 |
322 000,00 |
270 000,00 |
|
- V. Other... |
199 000,00 |
1 552
000,00 |
240 000,00 |
17 826
000,00 |
|
-H. Financial costs... |
87 000,00 |
179 000,00 |
886 000,00 |
17 388
000,00 |
|
- I. Interest... |
87 000,00 |
10 000,00 |
382 000,00 |
18 000,00 |
|
- IV. Other... |
|
169 000,00 |
504 000,00 |
17 370
000,00 |
|
-I. Profit on economic activity... |
3 382
000,00 |
7 037
000,00 |
8 506
000,00 |
6 411
000,00 |
|
-K. Gross profit... |
3 382
000,00 |
7 037
000,00 |
8 506
000,00 |
6 411
000,00 |
|
-L. Corporation tax... |
5 385
000,00 |
1 556
000,00 |
2 909
000,00 |
1 496
000,00 |
|
-N. Net profit... |
|
5 481
000,00 |
5 596
000,00 |
4 915 000,00 |
|
-N. Net loss... |
2 003
000,00 |
|
|
|
|
|
01.01.2016 |
01.01.2015 |
01.01.2014 |
01.01.2013 |
|
Ratios |
31.12.2016 |
31.12.2015 |
31.12.2014 |
31.12.2013 |
|
Current ratio |
1,16 |
1,48 |
1,46 |
1,06 |
|
Quick ratio |
0,54 |
0,90 |
0,93 |
0,69 |
|
Immediate ratio |
0,51 |
0,69 |
0,71 |
0,41 |
|
Return on sale |
-0,51 |
1,53 |
1,65 |
0,78 |
|
Return on assets |
-2,23 |
4,81 |
4,69 |
4,06 |
|
Return on equity |
-4,13 |
8,31 |
8,03 |
7,67 |
|
Average trade debtors' days |
0,92 |
8,71 |
9,99 |
8,03 |
|
Average stock turnover's days |
18,93 |
21,32 |
20,54 |
8,84 |
|
average payables payment period |
30,81 |
40,60 |
44,58 |
28,67 |
|
Total indebtedness ratio |
45,89 |
42,10 |
41,69 |
47,15 |
While rating the company, it is advisable to take
into consideration information about the branch, the company is acting in
|
(G.47.71.Z - NACE 2007), as at : |
30.09.2017 |
31.12.2016 |
31.12.2015 |
31.12.2014 |
31.12.2013 |
|
Current ratio... |
1,61 |
1,76 |
1,50 |
1,40 |
1,51 |
|
Quick ratio... |
0,57 |
0,73 |
0,57 |
0,55 |
0,74 |
|
Immediate ratio... |
0,18 |
0,34 |
0,28 |
0,24 |
0,25 |
|
Return on sale... |
3,10 |
3,99 |
4,45 |
3,18 |
4,32 |
|
Return on assets... |
3,88 |
6,69 |
7,39 |
5,08 |
7,41 |
|
Return on equity... |
7,55 |
12,48 |
15,32 |
11,01 |
16,11 |
|
Average trade debtors' days... |
19,02 |
20,79 |
22,89 |
22,83 |
34,53 |
|
Average stock turnover's days... |
78,38 |
66,90 |
72,74 |
72,85 |
61,31 |
|
average payables payment period... |
76,88 |
68,18 |
80,46 |
87,40 |
81,84 |
|
Total indebtedness ratio... |
48,57 |
46,38 |
51,75 |
53,82 |
53,99 |
|
Percent share in the examinated group |
|
|
|
|
|
|
of companies with net profit... |
52,00 |
63,70 |
60,20 |
60,00 |
60,20 |
|
Sales/revenue per employee in th. PLN... |
443,98 |
573,83 |
521,29 |
467,30 |
506,35 |
according to the Central Statistical Office
Locations: seat:
ul. Logistyczna 1, 55-040 Bielany Wrocławskie
Phone: 71 7348000
71 7348810
Fax: 71 7348999
E-mail: info@orsay.com
katarzyna.nozewska-pelc@orsay.pl
Website: http://world.orsay.com
Real Estate
Book value of buildings as at 31.12.2016 PLN 28 468 000,00
Verification of information on real estate ownership position through the Real Estate Register is not covered by the standard report.
Means of transport As at 31.12.2016 book value of car fleet was: PLN 1 853 000,00
Shares in other companies As at 20.12.2017 there are no shares in other companies.
Connections: Matthias Klein
Alexander Beuntker
Connections have not been determined due to no possibility
of identification of the persons or subjects which appear
in the company.
Data concerning connections are valid as at: 20.12.2017.
Acquisitions 22.02.2005 (Entry date) - merger
ORDIPOL Sp. z o.o., ul. Logistyczna 1, 55-040 Bielany Wrocławskie
(as taking over)
"PIMDIPOL" sp. z o.o. KRS 105939, ul. Wielkopolska 72 miejscowość
WROCŁAW, 54-027 Wrocław
(as taken over)
General information The company ORDIPOL Sp. z o.o. has chain of retail shops in Poland.
The company uses the trade name "ORSAY".
In accordance with the established corporate policy the company
refused to give any information.
Banks Names of banks were not disclosed
Payment Manner No Complaints
Credit capability Business connections appear permissible
We would like to draw your attention to:-Losses
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
INR 63.83 |
|
|
1 |
INR 86.28 |
|
Euro |
1 |
INR 76.13 |
|
PLN |
1 |
INR 18.23 |
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.