CREDIT REPORT. Issued for: Bisnode d.o.o. Published 10/25/2018. 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: Activity: J OTHER PUBLISHING ACTIVITIES Registration number: VAT No.: Company size: Medium CREDIT APPRAISAL Chapter 3 SEMAPHORE CREDIT LIMIT: 47,939 CREDIT MARGIN: 0.63 % Green light - no critical events found in Bonitete.si database, which could have effect on current company business. OWNERS AND BRANCHES Chapter 2 PAYMENT INDEX Chapter 4 Last year Owners: 1 Branches: 0 8/31/2017-8/31/ BLOCKS Period: 10/25/ /25/2018 Current Number of Blocks: Blocks: 0 / 2 bank accounts 0 / 365 days TRIALS Chapter 5 Period: 10/25/ /25/2018 Number of trials: 3 Prosecutes: 3 Prosecuted: 0 RESULTS OF OPERATIONS Chapter 7 Categories Assets 15,105,481 15,181,459 18,771,147 Capital 11,722,727 11,969,423 12,957,921 Total revenues 8,586,887 8,271,850 8,396,036 Net business result for the accounting period 1,748, , ,204 Average number of employees Debt to assets Current ratio Net return on assets Return on equity Value added per employee 77,665 67,660 71,707 *Source: Ajpes - database of annual reports Data are shown in 1 EUR. 1

3 Profile Chapter 1 PROFILE BANK ACCOUNTS Long name: NOVA LJUBLJANSKA BANK... UNICREDIT BANKA SLOVE... Legal form: Activity: J OTHER PUBLISHING UNICREDIT BANKA SLOVE... UNICREDIT BANKA SLOVE... ACTIVITIES Founded: Registration number: Company size: Medium ACQUISITIONS 6/23/2016 I, d.o.o., Ljubljana-v likvidaciji EU Company Size: 50 to 99 employees Company Register: Okrožno sodišče Ljubljana Region: OSREDNJESLOVENSKA Capital: Foreign Capital Sector: Foreign controlled non-financial corporations VAT Payer: YES REPRESENTATIVES Shown 2 of 2 Name Director Director 2

4 Owners and branches Chapter 2 OWNERS Shown 1 of 1 BRANCHES/DIVISIONS Shown 0 of 0 There are no data for selected subject. SHAREHOLDINGS Shown 3 of % % 62.00% 3

5 Linkages Chapter 2 4

6 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 achieves an average return. Name Value Indicator Description Debt to asset ratio Excellent Payment capability 3.89 Excellent Cash flow to total costs 0.23 Excellent Credit exposure from operations 0.35 Careful Efficiency Average Name Value Indicator Description Return on assets 0.10 Well Assets turnover on total income 0.49 Careful DYNAMIC RATING Indicators Company activity has a lower risk. Entity is a capital company or sole entrepreneur, is subject to value added tax and has not closed any bank accounts in the last 12 months. There is no data on bank account block in the last two years or the last bank account block was more than 18 months ago. There were no new lawsuits in the last 12 months filed against the entity. Financial data indicates that the company has a low debt level, minor credit exposure from operations and a high current ratio. Name Value Indicator Activity 4 Location 3 Profile 4 Trials 4 Blocks 5 Payment index 4 Financial data 5 CREDIT LIMIT 47,939 Recommended upper credit limit for granting a deferred payment period of 3 months for this company 47,939 CREDIT MARGIN 0.63 % Recommended minimum credit margin for granting a deferred payment period of 3 months for this company 0.63 % 5

7 Payment Index Chapter 4 PAYMENT INDEX 8/31/2017-8/31/2018 Company anticipates. 87 NOTE The database contains only those Slovenian 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 6

8 Trials Chapter 5 Period: 10/25/ /25/2018 PROSECUTED Trials: 0 Total Amount: 0 EUR PROSECUTES Trials: 3 Total Amount: 4,107 EUR PROSECUTED Shown 0 of 0 There are no data for selected subject. PROSECUTES Shown 10 of 10 Prosecute ID Party Amount District Court Last Proc. 415 Okrožno sodišče Maribor 9/20/2018 Okrožno sodišče Ljubljana 9/7/2018 1,516 Okrožno sodišče Murska Sobota 6/21/ Okrožno sodišče Ljubljana 4/23/ Okrožno sodišče Celje 3/23/2018 3,693 Okrožno sodišče Celje 3/23/ Okrožno sodišče Slovenj Gradec 3/21/ Okrožno sodišče Celje 1/5/ Okrožno sodišče Slovenj Gradec 11/17/ Okrožno sodišče Nova Gorica 11/16/2017 7

9 Real Estate Chapter 6 Owner 4,084 Real estate count LJUBLJANA 410,724,145 value sum 3,097,630 m area sum 2,564 location count 2 Ostalo NOVO MESTO MARIBOR PTUJ KRANJ DOMŽALE Property manager 90 Real estate count Ostalo 23,679,386 value sum 47,385 m area sum 2 31 location count KRANJ BREŽICE SELNICA OB DRAVI KRŠKO ŠALOVCI LJUBLJANA 8

10 Real Estate Chapter 6 Owner - PARTS OF A BUILDING Shown 20 of ,246 parts of a building count 726 location count 991, m 2 area sum 3,967, sum of ownership share values 427,935, sum of values No. Building KO commune Location Actual usage Usable area Floor area Ownership share Value in (GURS) 20, , % 19,698, , , % 10,889, , , % 8,655, , , % 6,466, , , % 5,382, , , % 5,017, , , % 4,835, , , % 4,684, , % 4,141, , , % 4,120, , , % 3,656, , , % 3,468, , , % 3,340, , , % 3,262, , , % 3,066, , , % 3,063, , , % 3,012, , , % 2,990, , , % 2,941, , , % 2,630,

11 Real Estate Chapter 6 Owner - LAND Shown 10 of ,838 parts of a building count 1,838 location count 2,105, m 2 area sum 139, sum of ownership share values 15,264, sum of values No. KO commune Intended use Area (m2) Ownership share Value in (GURS) 5, % 628, , % 468, , % 416, , % 310, , % 308, , % 263, , % 255, , % 251, , % 239, , % 212, Property manager - PARTS OF A BUILDING Shown 10 of parts of a building count 90 location count 47, m 2 area sum 201, sum of ownership share values 23,679, sum of values No. Building KO commune Location Actual usage Usable area Floor area Ownership share Value in (GURS) 3, , % 2,616, , , % 1,819, % 909, % 909, % 908, % 907, % 907, % 907, % 906, % 906,

12 Financial data Chapter 7 BALANCE SHEET - CHART Assets 2014 Liabilities 2014 Short-term deferred costs 0.00 % Short-term accrued costs 0.00 % Short-term % Capital % Fin. & business % Long-term % Provisions 1.02 % PROFIT AND LOSS ACCOUNT - CHART Revenus 2014 Expenses 2014 Other 0.63 % Other 3.73 % Financial 0.48 % Financial 7.52 % Labour cost % Net sales % Cost of services % 11

13 Financial data Chapter 7 BALANCE SHEET Categories Growth Abs. (Rel.) Assets Long-term assets Intangible assets and long-term... Intangible assets Goodwill Long-term deferred costs and acc... Tangible fixed assets Investment property Long-term financial investments Long-term operating receivables Long-term operating receivables... Long-term operating receivables... Long-term operating receivables... Deferred receivables for taxes Short-term assets Assets (group for estrange) for... Inventories Material Work in process Advances for inventories Short-term financial investments Short-term operating receivables Short-term operating receivables... Short-term operating receivables... Short-term operating receivables... Cash assets Short-term deferred costs and ac... Off-balance sheet items Liabilities Capital Called-up capital Basic (subscribed) capital Non called-up capital (deductive... Reserves Reserves from profit Own shares and own stakes (deduc... Surplus from revaluation Fair value reserves Retained net Net business result for the busi... Provisions and long-term accrued... *Source: Ajpes - database of annual reports 15,105,481 15,181,459 18,771, ,589,688 (24%) 5,061,902 5,024,316 3,821, ,202,731 (-24%) 1,623,192 1,028, , ,824 (-33%) 1,623,192 1,028, , ,824 (-33%) N/A N/A 623, N/A 112, , , ,829 (20%) 3,212,120 3,496,854 2,703, ,161 (-23%) 114, , , ,575 (-29%) 9,939,045 9,993,810 14,713, ,719,337 (47%) 481, ,243 1,218, ,890 (36%) 2,999,364 2,547,522 2,896, ,298 (14%) N/A N/A 1,065, N/A N/A N/A 1,614, N/A N/A N/A 216, N/A 6,457,765 6,551,045 10,598, ,047,149 (62%) 104, , , ,081 (45%) 15,105,481 15,181,459 18,771, ,589,688 (24%) 11,722,727 11,969,423 12,957, ,498 (8%) 8,763 8,763 8,763 0 (0%) 8,763 8,763 8,763 0 (0%) (0%) -4,07 N/A -7,299-4, ,967 (41%) 9,968,334 11,716,938 11,963, ,471 (2%) 1,748, , , ,059 (295%) 130, , , ,834 (4%) Data are shown in 1 EUR 12

14 Financial data Chapter 7 BALANCE SHEET Categories Growth Abs. (Rel.) Long-term liabilities Long-term financial liabilities Long-term financial liabilities... Long-term financial liabilities... Long-term operating liabilities Deferred liabilities for taxes Short-term liabilities Liabilities, included in groups... Short-term financial liabilities Short-term financial liabilities... Short-term financial liabilities... Short-term operating liabilities Short-term operating liabilities... Short-term operating liabilities... Short-term accrued costs and def... Off-balance sheet items *Source: Ajpes - database of annual reports 10,138 6,541 15, ,158 (140%) 10,138 6,541 15, ,158 (140%) 1,019,488 1,028,126 3,785, ,757,341 (268%) 0 0 2,500,000 2,500, ,500,000 2,500,000 1,019,488 1,028,126 1,285, ,341 (25%) 212, , , ,456 (196%) 564, , , ,521 (-29%) 2,222,273 2,034,239 1,863, ,143 (-8%) Data are shown in 1 EUR 13

15 Financial data Chapter 7 PROFIT AND LOSS ACCOUNT Categories Growth Abs. (Rel.) Operating revenues Net sales Changes in the value of inventor... Capitalised own products and own... Other operating revenues (with s... Gross operating yield Operating expenses Cost of goods, material and serv... Purchase value of goods and mate... Cost of material used Cost of services Labour cost Cost of wages Cost of pension insurance Cost of other social insurance Other labour cost Write-offs Depreciation Revaluation operating expenses f... Revaluation operating expenses f... Other operating expenses EBIT EBITDA Financial income Financial income from investment... Financial income from investment... Financial income from investment... Financial income from investment... Financial income from other inve... Financial income from loans Financial income from loans, giv... Financial income from loans, giv... Financial income from operating... Financial income from operating... Financial income from operating... Financial expenses Financial expenses from deprecia... Financial expenses from financia... Financial expenses from loans, r... Financial expenses from loans, r... *Source: Ajpes - database of annual reports 8,545,297 8,252,963 8,331, ,365 (1%) 7,846,689 7,914,467 7,632, ,556 (-4%) 698, , , ,922 (106%) 8,545,297 8,252,963 8,331, ,365 (1%) 6,479,550 6,961,538 6,649, ,203 (-4%) 2,086,624 2,780,365 2,523, ,399 (-9%) 113,212 94,233 77, ,471 (-17%) 1,973,412 2,686,132 2,446, ,928 (-9%) 3,492,446 3,370,874 3,446, ,434 (2%) 2,692,667 2,592,607 2,637, ,386 (2%) 283, , , ,501 (5%) 195, , , ,492 (6%) 320, , , ,055 (2%) 853, , , ,546 (-18%) 177, ,729 91, ,712 (-11%) 315, , , ,166 (3%) 360, , , ,000 (-38%) 47,435 36,097 41, ,307 (15%) 2,065,747 1,291,425 1,681, ,568 (30%) 2,918,792 2,065,627 2,319, ,023 (12%) 40,192 18,749 64, ,806 (244%) 15, , ,567 N/A N/A 42, N/A 11,490 8,562 13, ,777 (56%) N/A N/A 13, N/A N/A N/A N/A 13,081 10,187 8, ,538 (-15%) N/A N/A 8, N/A 3,297 1,011, , ,926 (-49%) 0 1,008, , ,427 (-50%) 3,038 2,173 15, ,137 (605%) N/A N/A 14, N/A Data are shown in 1 EUR 14

16 Financial data Chapter 7 PROFIT AND LOSS ACCOUNT Categories Growth Abs. (Rel.) Financial expenses from issued b... Financial expenses from financia... Financial expenses from operatin... Financial expenses from operatin... Financial expenses from liabilit... Financial expenses from operatin... Other revenues Subventions, grants, allowances,... Other financial revenues and oth... Other expenses Total revenues Total costs Total business result Total tax Tax on profit Deferred taxs Net business result for the acco... *Source: Ajpes - database of annual reports N/A N/A 1, N/A 259 1, (-50%) N/A N/A N/A N/A N/A N/A N/A N/A N/A 1, (11%) N/A N/A N/A 834 1,094 1, (0%) 8,586,887 8,271,850 8,396, ,186 (2%) 6,483,681 7,974,499 7,166, ,134 (-10%) 2,103, ,351 1,229, ,320 (314%) 354,382 47, , ,261 (409%) 417, , , ,912 (-50%) -63, , , ,173 (144%) 1,748, , , ,059 (295%) Data are shown in 1 EUR 15

17 Financial data Chapter 7 INDICATORS Categories Growth Abs. (Rel.) Average number of employees THE ASSET STRUCTURE RATIOS Tangible and intangible assets... Current assets to total assets Investments to total assets FINANCIAL LEVERAGE RATIOS Shareholders' funds to assets Debt to assets Shareholders' funds to lon... Financial leverage LIQUIDITY RATIOS Long-term financing of long-ter... Current ratio Quick ratio Debtors to creditors Cash flow to total costs Credit exposure from operations ASSET TURNOVER RATIOS Current assets turnover Inventory turnover 1 Inventory turnover 2 Debtors turnover Fixed assets turnover ratio Total assets turnover ratio Asset turnover on total income ASSET TURNOVER RATIOS (DAYS) Inventory coversion period 1 Inventory coversion period 2 Days sales outstanding Payables deferral period Payables defferal period Cash conversion cycle RATIOS OF EFFICIENCY, PROFITABI... Value added per employee Total revenues to total expenses Operating revenues to operating... Net profit margin Asset utilization ratio *Source: Ajpes - database of annual reports (0%) (-3%) (20%) (-28%) (-12%) (197%) (42%) (239%) (42%) (-60%) (-60%) (-9%) (77%) (13%) (-20%) N/A N/A N/A N/A N/A N/A N/A N/A (3%) (-24%) (-14%) (-9%) (-3%) (16%) (24%) (-21%) 77, , , , (6%) (13%) (6%) (290%) (-9%) Data are shown in 1 EUR 16

18 Financial data Chapter 7 INDICATORS Categories Growth Abs. (Rel.) Net return on assets Return on equity Operating margin Pre-tax profit margin Profit margin Tax rate Total revenues per employee Net profit (loss) per employee Average monthly salary per empl... Equity multiplier Net profit margin on sales Operating return on assets CASH-FLOW Operating cash flow Change in working capital Adjusted operating cash flow Investment in tangible assets Net operating working capital Total operating capital Net operating profit aftex tax Operating cash flow 2 Free cash flow *Source: Ajpes - database of annual reports (253%) (276%) (29%) (310%) (292%) (23%) 104, , , , (1%) 21, , , , (295%) 2, , , (2%) (14%) (310%) (16%) 2,241, , ,401, , (111%) -184, , , , (-257%) 2,057, , ,065, , (21%) -456, , , , (3%) 9,215, ,070, ,209, ,139, (51%) 9,327, ,224, ,394, ,169, (51%) 1,549, , ,261, , (30%) 2,042, ,382, ,674, , (21%) 343, ,293, ,908, ,202, (-325%) Data are shown in 1 EUR 17