CREDIT REPORT. Issued for: Bisnode d.o.o. Published 10/29/2018. Part of the BISNODE group, Stockholm, Sweden

Transcription

1 CREDIT REPORT Issued for: Bisnode d.o.o. Part of the BISNODE group, Stockholm, Sweden

2 Credit report PROFILE Chapter 1 Company: Address: CREDIT APPRAISAL Chapter 3 CREDIT LIMIT*: 3,221,343 CREDIT MARGIN: 1.73 % Activity: C MANUFACTURE OF REFINED PETROLEUM PRODUCTS Registration number: VAT No.: Company size: Big SEMAPHORE Green light - no critical events found in Boniteti.hr database, which could have effect on current company business. PAYMENT INDEX Chapter 4 OWNERS AND BRANCHES Chapter 2 Last year Owners: 10 Branches: 0 7/31/2017-7/31/ BLOCKS Last year Current Number of Blocks: Blocks: 0 / 10 bank accounts 0 / 365 days Last checked: 10/25/2018 RESULTS OF OPERATIONS Chapter 5 Categories Assets 19,816,286,600 20,144,712,500 19,214,334,000 Capital 10,508,602,900 10,767,185,800 11,880,735,300 Total revenues 19,869,147,200 15,098,734,700 18,336,888,100 Net business result for the accounting period -1,202,448, ,021,200 1,424,695,400 Number of employees 7, , , Debt to assets Current ratio Net return on assets Return on equity Data are shown in 1 HRK. 1

3 Profile Chapter 1 PROFILE BANK ACCOUNTS Shown 35 of 39 Long name: ERSTE & STEIERMÄRKISCHE... Legal form: SBERBANK d.d. Zagreb Activity: C MANUFACTURE OF REFINED PETROLEUM PRODUCTS OTP BANKA HRVATSKA d.d.... SOCIETE GENERALE SPLITSK... Founded: 1/1/1963 Registration number: Company size: Big Company Register: Trgovački sud u Zagrebu Region: Grad Zagreb RAIFFEISENBANK AUSTRIA d... MANAGEMENT Shown 10 of 15 HRVATSKA POŠTANSKA BANKA... Name (Chairman) (Chairman) (Board of Directors) (Board of Directors) (Board of Directors) (Board of Directors) (Board of Directors) (Supervisory Board) (Supervisory Board) (Supervisory Board) 2

4 Owners and branches Chapter 2 OWNERS Shown 10 of 10 SKRB. RAČ.-ZAGREBAČKA BANKA D. (49.08%) BRANCHES/DIVISIONS Shown 0 of 0 There are no data for selected subject. ZAST. RAČUN-MINISTARSTVO DRŽAV (44.84%) SKRB. RAČ.-ADDIKO BANK D.D. /R (0.80%) SKRB. RAČ.-ADDIKO BANK D.D. /P (0.66%) SKRB. RAČ.-ZAGREBAČKA BANKA D. (0.39%) SKRB. RAČ.-ZAGREBAČKA BANKA D. (0.21%) SKRB. RAČ.-ZAGREBAČKA BANKA D. (0.01%) SKRB. RAČ.-SPLITSKA BANKA D.D. (2.28%) SKRB. RAČ.-SPLITSKA BANKA D.D. (0.46%) SKRB. RAČ.-ZAGREBAČKA BANKA D. (0.11%) 3

5 Credit appraisal Chapter 3 CREDIT APPRAISAL HISTORY FINANCIAL APPRAISAL Liquidity Well The company operates excellent, it has a forecast of lower risk in the future. The company has no major liquidity problems and at the sam time achieve above-average profitability. Name Value Indicator Description Debt to asset ratio Excellent Payment capability 1.19 Careful Cash flow to total costs 0.21 Excellent Credit exposure from operations 0.08 Well Efficiency Well Name Value Indicator Description Return on assets 8.64 Well Assets turnover on total income 0.93 Average DYNAMIC RATING Indicator Subject's main activity has higher than average risk. Subject has no subsidiaries and is either a limited partnership, joint stock company or a turnover. There is no data on bank account blocks in the last 12 months. Subject's financial data is indicating excellent financial health. Name Points Description Activity 2 Location 3 Profile 4 Blocks 5 Payment index 3 Financial data 5 CREDIT LIMIT* 3,221,343 Recommended upper credit limit for granting a deferred payment period of 3 months for this company is 3,221,343 CREDIT MARGIN 1.73 % Recommended minimum credit margin for granting a deferred payment period of 3 months for this company is 1.73 % * Data are shown in 1 HRK. 4

6 Payment Index Chapter 4 PAYMENT INDEX 7/31/2017-7/31/2018 Company pays slow to 15 days past due. 74 NOTE The database contains only those invoices that are accesible to database owner. Figures are based on all paid invoices from the database. Payment Index Statistic Company Activity Min Max Average Last Payment index is calculated as weighted average of days between settlement date and value date. The weights are based on the amount of payments. Payment index Description Company anticipates. 80 Company pays promtly on due Company settles payments up to 7 days past due Company pays slow to 15 days past due Company pays slow to 30 days past due Company pays slow to 60 days past due Company pays slow to 90 days past due Company pays slow to 120 days past due Company pays over 120 days past due. N/A No Data 5

7 Financial data INA, d.d. Chapter 5 BALANCE SHEET - CHART Short-term assets % Deferred costs 0.28 % Assets 2017 Long-term assets % Short-term liabil % Long-term liabil % Provisions % Liabilities 2017 Accrued costs 0.55 % Capital % PROFIT AND LOSS ACCOUNT - CHART Revenus 2017 Financial 2.09 % Expenses 2017 Financial 1.87 % Operating % Operating % 6

8 Financial data INA, d.d. Chapter 5 BALANCE SHEET Categories Growth Abs. (Rel.) Receivables not-paid called-up c... Long-term assets Intangible assets Tangible fixed assets Long-term financial investments Long-term operating receivables Deferred receivables for taxes Short-term assets Inventories Short-term operating receivables Short-term financial investments Cash deposits on account and cas... Deferred costs and accrued revenues Loss above capital Assets Off-balance sheet items Capital Basic (subscribed) capital Reserves Reserves from profit Provisions from revaluation Retained net Net business result for the busi... Minority equity interest RESERVATIONS WITH FAIR VALUE Provisions Provisions for pensions and simi... Provisions for tax obligations Other provisions Provisions for Initiated Court c... Provisions for Costs of renewing... Provisions for Costs of Warranty... Long-term financial and operatin... Long-term financial liabilities Long-term operating liabilities Short-term financial and operati... Short-term financial liabilities Short-term operating liabilities Accrued costs and deferred revenues Liabilities Off-balance sheet items Off-balance sheet items for equi... Off-balance sheet items for mino... * Data are shown in 1 HRK. 16,365,872,900 15,681,736,400 14,847,318, ,417,600 (-5%) 426,502, ,634, ,329,600 30,694,700 (8%) 11,556,034,000 11,205,381,000 10,591,109, ,271,500 (-5%) 2,295,508,000 2,312,070,400 2,413,379, ,309,300 (4%) 93,134,300 81,741,400 70,996,900-10,744,500 (-13%) 1,994,694,300 1,683,908,600 1,342,503, ,405,600 (-20%) 3,407,951,900 4,428,757,900 4,314,023, ,734,400 (-3%) 1,597,233,400 1,802,000,800 2,021,148, ,147,700 (12%) 1,407,381,300 1,726,631,100 1,487,339, ,291,300 (-14%) 208,518, ,662, ,040,400 41,378,200 (10%) 194,818, ,463, ,494, ,969,100 (-27%) 42,461,800 34,218,300 52,991,800 18,773,500 (55%) N/A N/A N/A N/A 19,816,286,600 20,144,712,500 19,214,334, ,378,500 (-5%) 10,508,602,900 10,767,185,800 11,880,735,300 1,113,549,500 (10%) 9,000,000,000 9,000,000,000 9,000,000,000 0 (0%) 1,602,656,400 1,307,959,100 1,165,205, ,753,600 (-11%) 215,840,70 892,554, ,375,000 1,375,000-1,202,448, ,021,200 1,424,695,400 1,264,674,200 (790%) N/A 299,205, ,459,500-9,746,100 (-3%) 3,907,115,400 3,479,368,200 3,496,480,500 17,112,300 (0%) 70,401,000 64,333,100 40,177,800-24,155,300 (-38%) 3,836,714,400 3,348,933,100 3,304,727,300-44,205,800 (-1%) N/A 66,101,900 37,123,300-28,978,600 (-44%) N/A 0 114,452, ,452,200 N/A ,337, ,432, ,100, ,332,000 (-48%) 399,665, ,377, ,153, ,223,900 (-55%) 65,671,500 59,055,000 50,946,800-8,108,200 (-14%) 4,918,548,200 5,462,942,400 3,558,995,500-1,903,946,900 (-35%) 2,640,853,200 2,622,588,700 1,480,764,200-1,141,824,500 (-44%) 2,277,695,100 2,840,353,700 2,078,231, ,122,400 (-27%) 16,682, ,783, ,022, ,500 (0%) 19,816,286,600 20,144,712,500 19,214,334, ,378,500 (-5%) 0 N/A N/A N/A 0 N/A N/A N/A 7

9 Financial data INA, d.d. Chapter 5 PROFIT AND LOSS ACCOUNT Categories Growth Abs. (Rel.) Total revenues Operating revenues Financial income Extraordinary income Share of profit from investments... Total costs Operating expenses Financial expenses Extraordinary expenses Share of loss from investments i... EBIT EBITDA Total business result Pre-tax profit Pre-tax loss Tax on profit Net business result for the acco... Profit for the financial year Loss for the financial year Owners net Complete profit or loss from period Profit or loss from the financia... Net other comprehensive income o... Attributable to mother company e... Minority owners net Attributable to minority interests Value added * Data are shown in 1 HRK. 19,869,147,200 15,098,734,700 18,336,888,100 3,238,153,400 (21%) 18,560,079,300 14,944,156,900 17,953,385,400 3,009,228,500 (20%) 1,309,067, ,577, ,502, ,924,900 (148%) 0 N/A N/A N/A 21,367,099,900 14,596,450,700 16,564,204,900 1,967,754,200 (13%) 19,756,417,900 14,036,566,400 16,253,681,900 2,217,115,500 (16%) 1,610,682, ,884, ,523, ,361,300 (-45%) 0 N/A N/A N/A -1,196,338, ,590,500 1,699,703, ,113,000 (87%) 2,370,372,900 2,615,894,500 3,462,323, ,429,200 (32%) -1,497,952, ,283,900 1,772,683,200 1,270,399,300 (253%) 0 502,283,900 1,772,683,200 1,270,399,300 (253%) 1,497,952,70-295,504, ,262, ,987,800 5,725,000 (2%) -1,202,448, ,021,200 1,424,695,400 1,264,674,200 (790%) 0 160,021,200 1,424,695,400 1,264,674,200 (790%) 1,202,448,60 N/A N/A N/A N/A -1,202,448, ,021,200 1,424,695,400 1,264,674,200 (790%) 478,440,200 98,561, ,500, ,062,600 (-263%) N/A N/A N/A N/A N/A N/A N/A N/A 5,338,845,700 3,993,038,600 4,636,974, ,935,500 (16%) 8

10 Financial data INA, d.d. Chapter 5 INDICATORS Categories Growth Abs. (Rel.) Interest cost Investments Import Number of employees Export Insurance premium (brutto) THE ASSET STRUCTURE RATIOS Tangible and intangible assets t... Current assets to total assets Investments to total assets FINANCIAL LEVERAGE RATIOS Shareholders' funds to assets Debt to assets Shareholders' funds to long... LIQUIDITY RATIOS Long-term financing of long-term... Current ratio Quick current ratio Pre-tax profit margin Profit margin ASSET TURNOVER RATIOS Current assets turnover Inventory turnover Debt servicing ASSET TURNOVER RATIOS (DAYS) Total operating capital Operating return on assets Payment capability RATIOS OF EFFICIENCY, PROFITABIL... Debtors turnover Inventory coversion period Days sales outstanding Payables deferral period Net profit margin Asset utilization ratio Net return on assets Operating margin CASH-FLOW Return on equity Operating cash flow * Data are shown in 1 HRK. 63,423,500 51,922,200 50,539,400-1,382,800 (-3%) 1,435,702,300 1,309,400 1,352,274,400 1,350,965,000 (103,174%) 10,510,889,600 8,769,442,000 10,663,714,700 1,894,272,700 (22%) 7,605 4,598 4, (-8%) 6,290,765,000 5,461,284,500 7,321,791,300 1,860,506,800 (34%) 26,041,900 38,053,800 25,801,700-12,252,100 (-32%) (-1%) (1%) (10%) (16%) (-32%) (17%) (12%) (50%) (34%) (194%) (641%) (1%) (-7%) (47%) 13,788,098, ,736,825, ,677,112, ,712, (0%) (92%) (49%) (29%) (-10%) (-23%) (-26%) (633%) (24%) (811%) (54%) (747%) 2,364,262, ,868,325, ,187,315, ,318,990, (71%) 9