|
|
|
MIRA INFORM REPORT
|
Report No. : |
497802 |
|
Report Date : |
19.03.2018 |
IDENTIFICATION DETAILS
|
Name : |
CTM ALTROMERCATO SOC. COOP. |
|
|
|
|
Registered Office : |
Via Francesco Crispi, 9 39100
- Bolzano (BZ) -IT- |
|
|
|
|
Country : |
Italy |
|
|
|
|
Financials (as on) : |
30.06.2016 |
|
|
|
|
Date of Incorporation : |
18.04.1990 |
|
|
|
|
Legal Form : |
Cooperative society |
|
|
|
|
Line of Business : |
·
Wholesale of food, beverages and
tobacco ·
Non-specialised wholesale of
deep-frozen products ·
Wholesale of perfume and cosmetics |
|
|
|
|
No. of Employees : |
91 to 110 |
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 (30.09.2017) |
Current Rating (31.12.2017) |
|
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’s economy compromises a developed industrial north, dominated by private companies, and a less-developed, highly subsidized, agricultural south, with a legacy of unemployment and underdevelopment. 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 economic problems, including 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 2011. In 2015-16, Italy’s economy grew at about 1% each year, and in 2017 growth accelerated to 1.5% of GDP. In 2017, overall unemployment was 11.4%, but youth unemployment remained high at 37.1%.
|
Source
: CIA |
Company
name and address
Ctm Altromercato Soc. Coop.
Via Francesco Crispi, 9
39100 - Bolzano (BZ) -IT-
Summary
|
Fiscal Code |
: |
01337600215 |
|
Legal Form |
: |
Cooperative society |
|
start of Activities |
: |
18/04/1990 |
|
Equity |
: |
Over 2.582.254 |
|
Turnover Range |
: |
25.000.000/35.000.000 |
|
Number of Employees |
: |
from 91 to 110 |
Activity
Wholesale of food, beverages and tobacco
Non-specialised wholesale of deep-frozen products
Wholesale of perfume and cosmetics
Legal
Data
Legal Form : Cooperative society
|
Fiscal Code : 01337600215 |
|
Foreign Trade Reg. no. : BZ009850 since 18/09/1997 |
|
Foreign Trade Reg. no. : 9850 of Bolzano |
|
Chamber of Commerce no. : 254356 of Alessandria |
|
Chamber of Commerce no. : 511303 of Bologna |
|
Chamber of Commerce no. : 546094 of Brescia |
|
Chamber of Commerce no. : 116817 of Bolzano since 01/02/1990 |
|
Chamber of Commerce no. : 211722 of Ferrara |
|
Chamber of Commerce no. : 1859351 of Monza e Brianza |
|
Chamber of Commerce no. : 1689716 of Milano |
|
Chamber of Commerce no. : 1983581 of Milano |
|
Chamber of Commerce no. : 604123 of Napoli |
|
Chamber of Commerce no. : 301127 of Padova |
|
Chamber of Commerce no. : 767010 of Torino |
|
Chamber of Commerce no. : 290952 of Udine |
|
Chamber of Commerce no. : 299692 of Verona |
|
V.A.T. Code : 01337600215 |
|
R. E. C. no. : 34436 of Bolzano |
|
Foundation date |
: 21/12/1988 |
|
|
Establishment date |
: 21/12/1988 |
|
|
Start of Activities |
: 18/04/1990 |
|
|
Legal duration |
: 31/12/2100 |
|
|
Nominal Capital |
: |
|
|
Paid up Capital |
: 2.701.281 |
|
Legal mail : |
ALTROMERCATO@PEC.IT |
Members
|
|
Matterazzo |
Roberto |
|
|
Born in Camposampiero |
(PD) |
on 11/09/1969 |
- Fiscal Code : MTTRRT69P11B563U |
|
|
Residence: |
Via Benedetto Mogno |
, 11 |
- 35012 |
Camposampiero |
(PD) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
15/12/2017 |
|
|
Patera |
Marcello |
|
|
Born in Parma |
(PR) |
on 30/03/1961 |
- Fiscal Code : PTRMCL61C30G337M |
|
|
Residence: |
Via Gobetti Pietro |
, 20 |
- 43100 |
Parma |
(PR) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Procurator |
03/09/2014 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Mairhofer |
Ingeborg |
|
|
Born in Valle Aurina |
(BZ) |
on 24/08/1968 |
- Fiscal Code : MRHNBR68M64L595C |
|
|
Residence: |
Vicolo Cieco Moise |
, 3 |
- 37129 |
Verona |
(VR) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
19/11/2016 |
|
|
Trevisani |
Andrea |
|
|
Born in Bologna |
(BO) |
on 10/12/1957 |
- Fiscal Code : TRVNDR57T10A944S |
|
|
Residence: |
Via Liano |
, 976/A |
- 40024 |
Castel San Pietro Terme |
(BO) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
19/11/2016 |
|
|
Calvi |
Cristiano |
|
|
Born in Genova |
(GE) |
on 17/07/1960 |
- Fiscal Code : CLVCST60L17D969R |
|
|
Residence: |
Via Giovanni Amarena |
, 15/10 |
- 16143 |
Genova |
(GE) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
19/11/2016 |
||
|
Board Chairman |
20/11/2016 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Franceschini |
Alessandro |
|
|
Born in Treviso |
(TV) |
on 24/03/1971 |
- Fiscal Code : FRNLSN71C24L407B |
|
|
Residence: |
Via Antiga Sud |
, 17 |
- 31050 |
Ponzano Veneto |
(TV) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
19/11/2016 |
||
|
Assistant board Chairman |
20/11/2016 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Bridi |
Giovanni |
|
|
Born in Trento |
(TN) |
on 22/11/1965 |
- Fiscal Code : BRDGNN65S22L378Q |
|
|
Residence: |
Via Avancini |
, 18 |
- 38121 |
Trento |
(TN) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
19/11/2016 |
|
|
Florean |
Cinzia |
|
|
Born in Aviano |
(PN) |
on 04/11/1965 |
- Fiscal Code : FLRCNZ65S44A516X |
|
|
Residence: |
Vicolo San Martino |
, 4/A |
- 33081 |
Aviano |
(PN) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Director |
19/11/2016 |
|
|
Brugnoli |
Carlo |
|
|
Born in Verona |
(VR) |
on 10/12/1968 |
- Fiscal Code : BRGCRL68T10L781Y |
|
|
Residence: |
Via V. Cerpelloni |
, 6 |
- 37100 |
Verona |
(VR) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Procurator |
03/09/2014 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Pasetto |
Francesco |
|
|
Born in Bussolengo |
(VR) |
on 28/10/1960 |
- Fiscal Code : PSTFNC60R28B296G |
|
|
Residence: |
Via A. Bertoldi S. |
, 57 |
- 37026 |
Pescantina |
(VR) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Procurator |
03/09/2014 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Monti |
Andrea |
|
|
Born in Magenta |
(MI) |
on 30/11/1970 |
- Fiscal Code : MNTNDR70S30E801I |
|
|
Residence: |
Via Cadore |
, 27 |
- 27100 |
Pavia |
(PV) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Procurator |
09/09/2015 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Calamaro |
Valeria |
|
|
Born in Genova |
(GE) |
on 19/11/1969 |
- Fiscal Code : CLMVLR69S59D969H |
|
|
Residence: |
Via Cava Bradisa |
, 11 |
- 37125 |
Verona |
(VR) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Procurator |
03/05/2016 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Madella |
Martina |
|
|
Born in Negrar |
(VR) |
on 23/10/1977 |
- Fiscal Code : MDLMTN77R63F861J |
|
|
Residence: |
Via Brigata Regina |
, 43 |
- 37139 |
Verona |
(VR) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Procurator |
03/05/2016 |
|
|
No Prejudicial events are reported |
|
|
No Protests registered |
|
|
Cavazza |
Davide |
|
|
Born in Bologna |
(BO) |
on 03/01/1972 |
- Fiscal Code : CVZDVD72A03A944W |
|
|
Residence: |
Via Carlo Denina |
, 25 |
- 00179 |
Roma |
(RM) |
- IT - |
|
Position |
Since |
Shares
Amount |
%
Ownership |
|
Procurator |
03/05/2016 |
|
|
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.
|
|
Calvi |
Cristiano |
|
Firm's Style |
Seat |
Fiscal
Code |
Position |
Position
Status |
Firm's
Status |
|
La Bottega Solidale Societa' CooperativaSociale A R.l. |
Genova (GE) - IT - |
03479860102 |
Procurator |
Withdrawn |
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.
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 |
|
Cresud S.p.a. |
Milano - IT - |
03508790171 |
15.000
.Eur |
1,03 |
Active |
||
|
Ctm -agrofair Italia S.r.l. |
Bolzano - IT - |
02419200213 |
100.000
.Eur |
50,00 |
Active |
||
|
Inventa S.r.l. |
Milano - IT - |
05385970966 |
50.000
.Eur |
100,00 |
Active |
Firm's
location and structure
In order to carry out its activities the firm uses the
following locations:
|
- |
Legal and operative seat |
since 31/01/2006 |
|
Via Francesco Crispi |
, 9 |
- 39100 |
- Bolzano |
(BZ) |
- IT - |
|
PHONE |
: 0471975333 |
|
PHONE |
: 0471977599 |
|
FAX |
: 0458008020 |
|
Legal mail |
: ALTROMERCATO@PEC.IT |
|
- |
Branch |
(Store) |
since 01/01/2003 |
|
Marco Biagi |
, 40-42 |
- 37050 |
- Oppeano |
(VR) |
- IT - |
|
Trading Style: L'ALTROSPAZIO |
|
- |
Branch |
(Workshop) |
since 15/07/2004 |
|
Francia |
, 1/B |
- 37100 |
- Verona |
(VR) |
- IT - |
|
- |
Branch |
(Store) |
since 25/10/1999 |
|
Pio Xii |
, 109 |
- 37059 |
- Zevio |
(VR) |
- IT - |
|
Employees |
: 94 |
|
Fittings and Equipment for a value of 56.000 |
Eur |
|
Stocks for a value of 14.690.000 |
Eur |
Historical
Information and/or Firm's Status
CHANGES TO THE LEGAL FORM:
|
Former legal form |
New legal form |
Changement
Date |
|
Cooperative society |
Cooperative society |
25/09/2004 |
COMPANY STYLE MODIFICATIONS:
|
Former Style |
New Style |
Changement
Date |
|
CONSORZIO CTM - ALTROMERCATO SOCIETA'COOPERATIVA |
CTM ALTROMERCATO SOC. COOP. |
15/06/2016 |
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.
Bankers
The firm operates with:
|
Bank Name |
Agency
Name |
Address |
ZIP
Code |
City |
ABI
Code |
CAB
Code |
|
CASSA CENTR. RAIFFEISEN ALTO-ADIGE |
3493 |
0 |
National
Real Estates Survey
The firm under review, by the reported percentages, owns the
following real estates:
|
Town |
Cadastre |
No.
Immovables |
Up
to Date |
|
OPPEANO (VR) |
Buildings |
2 |
12/03/2018 |
|
VERONA (VR) |
Buildings |
3 |
12/03/2018 |
|
ZEVIO (VR) |
Buildings |
1 |
12/03/2018 |
|
Buildings
Details |
|
Cadastre |
Title |
Location |
Sheet
No. |
Particle
No. |
Sub
No. |
Categorie |
Classe |
Consistence |
Cadastrial
Rent |
Part
No. |
|
B |
Proprieta' per 1/1 |
OPPEANO (VR) VIA MARCO BIAGI, 40 Piano T-1 |
12 |
384 |
3 |
cat.
D/7 |
Euro:
21.715,80 |
|||
|
B |
Proprieta' per 1/1 |
OPPEANO (VR) VIA FERRUCCIO BUSONI, SNC Piano T-1 |
12 |
417 |
cat.
D/1 |
Euro:
17.552,50 |
||||
|
B |
Proprieta' per 1/1 |
VERONA (VR) VIA TOLOMEO, Piano T |
362 |
621 |
cat.
F/1 |
|||||
|
B |
Proprieta' per 1/1 |
VERONA (VR) VIA DOMENICO TURAZZA, SNC Piano T |
373 |
1014 |
cat.
F/1 |
|||||
|
B |
Proprieta' per 1/1 |
VERONA (VR) VIA DOMENICO TURAZZA, SNC Piano T |
373 |
1015 |
cat.
F/1 |
|||||
|
B |
Proprieta' |
ZEVIO (VR) VIA PIO XII, 109 Piano S1-T - 1 |
41 |
50 |
5 |
cat.
D/1 |
Euro:
23.366,00 |
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
Subject is active since 1990
The analysis is based on the latest 3 balance sheets.
Unstable economic results mark the company's financial state
of affairs. ; in the last financial year a loss was registered (r.o.e. -5,77%)
The return on investment in the last financial year was
negative (-0,42%).
The operating loss amounts to Eur. -130.738 .
The gross operating margin of the latest financial year is
of Eur. 450.647 recording a -56,52% decrease.
The analysis shows a fair financial position as the
indebtedness volume is acceptable (2,02) even though on the increase if
compared to 2015.
With regard to equity capital, an amount of Eur. 9.920.573
is registered. on stable levels.
Total indebtedness was equal to Eur. 20.987.816 (Eur. 23.940
was the value of m/l term debts) with a growth equal to 24,08%.
Bank borrowings' volume is slightly high but it modestly
dips into suppliers credit, 59,45 gg. is the payments' average time which is
also lower than the sector average.
The liquidity level is positive (1,14).
As to due from customers, the average terms are 70,95 days.
, more or less in line with the average of the sector.
A negative cash flow marked the year 2016 totalling Eur.
-31.295.
Labour cost expenses amount to Eur. 3.522.971 , representing
10,02% on the total of production costs. , whereas 10,69% is the incidence on
sales revenues.
Financial charges have a limited incidence (-1,3%) on sales
volume.
Financial
Data
|
|
Complete balance-sheet for the year |
al 30/06/2016 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
32.967.488 |
|
Profit (Loss) for the period |
-572.680 |
|
|
Complete balance-sheet for the year |
al 30/06/2015 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
31.577.468 |
|
Profit (Loss) for the period |
13.855 |
|
|
Complete balance-sheet for the year |
al 30/06/2014 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
31.059.125 |
|
Profit (Loss) for the period |
-302.586 |
|
|
Complete balance-sheet for the year |
al 30/06/2013 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
32.203.640 |
|
Profit (Loss) for the period |
-484.253 |
|
|
Complete balance-sheet for the year |
al 30/06/2012 |
(in Eur |
x 1) |
|
Item Type |
Value |
|
Sales |
36.675.937 |
|
Profit (Loss) for the period |
733.339 |
Financials
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 30/06/2016 - 12 Mesi - Currency: -
Amounts x 1 |
|
- Balance Sheet as at 30/06/2015 - 12 Mesi - Currency: -
Amounts x 1 |
|
- Balance Sheet as at 30/06/2014 - 12 Mesi - Currency: -
Amounts x 1 |
|
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|
|
RATIOS |
Value Type |
as
at 30/06/2016 |
as
at 30/06/2015 |
as at
30/06/2014 |
Sector
Average |
|
COMPOSITION
ON INVESTMENT |
|||||
|
Rigidity Ratio |
Units |
0,24 |
0,28 |
0,27 |
0,13 |
|
Elasticity Ratio |
Units |
0,76 |
0,72 |
0,73 |
0,85 |
|
Availability of stock |
Units |
0,47 |
0,42 |
0,42 |
0,16 |
|
Total Liquidity Ratio |
Units |
0,29 |
0,30 |
0,31 |
0,62 |
|
Quick Ratio |
Units |
0,03 |
0,03 |
0,04 |
0,03 |
|
COMPOSITION
ON SOURCE |
|||||
|
Net Short-term indebtedness |
Units |
2,02 |
1,52 |
1,61 |
5,02 |
|
Self Financing Ratio |
Units |
0,32 |
0,38 |
0,36 |
0,13 |
|
Capital protection Ratio |
Units |
0,66 |
0,63 |
0,66 |
0,58 |
|
Liabilities consolidation quotient |
Units |
0,02 |
0,03 |
0,03 |
0,10 |
|
Financing |
Units |
2,12 |
1,61 |
1,72 |
6,17 |
|
Permanent Indebtedness Ratio |
Units |
0,33 |
0,39 |
0,38 |
0,25 |
|
M/L term Debts Ratio |
Units |
0,01 |
0,02 |
0,02 |
0,07 |
|
Net Financial Indebtedness Ratio |
Units |
1,36 |
1,00 |
1,14 |
1,16 |
|
CORRELATION |
|||||
|
Fixed assets ratio |
Units |
1,37 |
1,42 |
1,42 |
1,57 |
|
Current ratio |
Units |
1,14 |
1,20 |
1,19 |
1,09 |
|
Acid Test Ratio-Liquidity Ratio |
Units |
0,43 |
0,50 |
0,50 |
0,85 |
|
Structure's primary quotient |
Units |
1,31 |
1,36 |
1,36 |
0,96 |
|
Treasury's primary quotient |
Units |
0,04 |
0,06 |
0,06 |
0,05 |
|
Rate of indebtedness ( Leverage ) |
% |
317,14 |
266,52 |
277,15 |
743,68 |
|
Current Capital ( net ) |
Value |
2.844.778 |
3.316.378 |
3.320.213 |
70.465 |
|
RETURN |
|||||
|
Return on Sales |
% |
-0,09 |
1,80 |
0,61 |
1,66 |
|
Return on Equity - Net- ( R.O.E. ) |
% |
-5,77 |
0,13 |
-2,89 |
6,68 |
|
Return on Equity - Gross - ( R.O.E. ) |
% |
-5,08 |
2,04 |
-0,23 |
19,39 |
|
Return on Investment ( R.O.I. ) |
% |
-0,42 |
1,62 |
1,98 |
3,84 |
|
Return/ Sales |
% |
-0,40 |
1,43 |
1,85 |
2,16 |
|
Extra Management revenues/charges incid. |
% |
n.c. |
3,07 |
-52,56 |
28,56 |
|
Cash Flow |
Value |
-31.295 |
569.797 |
187.959 |
48.046 |
|
Operating Profit |
Value |
-130.738 |
451.638 |
575.715 |
59.910 |
|
Gross Operating Margin |
Value |
450.647 |
1.036.580 |
1.066.260 |
99.701 |
|
MANAGEMENT |
|||||
|
Credits to clients average term |
Days |
70,95 |
77,40 |
82,50 |
86,56 |
|
Debts to suppliers average term |
Days |
59,45 |
60,12 |
54,58 |
100,32 |
|
Average stock waiting period |
Days |
160,43 |
133,04 |
141,70 |
31,97 |
|
Rate of capital employed return ( Turnover ) |
Units |
1,05 |
1,13 |
1,07 |
1,82 |
|
Rate of stock return |
Units |
2,24 |
2,71 |
2,54 |
11,18 |
|
Labour cost incidence |
% |
10,69 |
9,60 |
10,17 |
5,95 |
|
Net financial revenues/ charges incidence |
% |
-1,30 |
-0,93 |
-1,90 |
-0,81 |
|
Labour cost on purchasing expenses |
% |
10,02 |
9,65 |
10,23 |
5,95 |
|
Short-term financing charges |
% |
2,71 |
2,76 |
4,26 |
2,18 |
|
Capital on hand |
% |
95,43 |
88,55 |
93,49 |
54,67 |
|
Sales pro employee |
Value |
299.704 |
335.930 |
316.929 |
507.074 |
|
Labour cost pro employee |
Value |
32.027 |
32.260 |
32.227 |
32.650 |
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 5.101 significant
companies.
The companies cash their credits on an average of 87 dd.
The average duration of suppliers debts is about 100 dd.
The sector's profitability is on an average of 1,66%.
The labour cost affects the turnover in the measure of
5,95%.
Goods are held in stock in a range of 32 dd.
The difference between the sales volume and the resources
used to realize it is about 1,82.
The employees costs represent the 5,95% of the production
costs.
Statistical
Detrimental Data
Statistically the trade activity passes through serious
crises.
The area is statistically considered lowly risky.
In the region 2.078 protested subjects are found; in the
province they count to 1.228.
The insolvency index for the region is 0,22, , while for the
province it is 0,26.
Total Bankrupt companies in the province : 1.448.
Total Bankrupt companies in the region : 2.539.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
INR 64.87 |
|
|
1 |
INR 90.49 |
|
Euro |
1 |
INR 79.91 |
|
Euro |
1 |
INR 80.21 |
Note :
Above are approximate rates obtained from sources believed to be correct
INFORMATION DETAILS
|
Analysis Done by
: |
VAR |
|
|
|
|
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)
This report is issued at
your request without any risk and responsibility on the part of MIRA INFORM
PRIVATE LIMITED (MIPL) or its officials.