credit report - bisnodecredit report published 10/29/2018 profile chapter 1 company: address: ......
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Bisnode d.o.o.Part of the BISNODE group, Stockholm, Sweden
Published 10/29/2018
Issued for:
CREDIT REPORT
© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)80 39 03, fax: +386 (0)1 620 2 708
Credit reportPublished 10/29/2018
PROFILE Chapter 1
Company:Address:Activity: G 47.11 RETAIL SALE IN NON-SPECIALISED STORES WITH FOOD, B...VAT No.: Company size: Big
OWNERS AND BRANCHES Chapter 2
Owners: 2 Branches: 16Last year
BLOCKS
Current Number of Blocks: Blocks:0 / 15 bank accounts 0 / 365 days
Last year
Last checked:
CREDIT APPRAISAL Chapter 3
CREDIT LIMIT: 235,716CREDIT MARGIN: 1.20 %
SEMAPHOREYellow light – events in last 365 days have nomajor influence on current company business
RESULTS OF OPERATIONS Chapter 4
Categories 2015 2016 2017
Total assets 143,957,640 203,842,621 253,355,296
Equity and reserves 73,488,814 124,206,453 139,873,633
Total revenue 42,780,246 45,728,813 97,329,164
Total net other comprehensive income for the perio... 20,116 0 15,662,979
Average number of employees based on hours worked 160.00 151.00 351.00
Debt to assets 0.49 0.39 0.45
Current ratio 3.69 3.64 1.18
Net return on assets (ROA) 0.00 0.00 0.06
Return on equity (ROE) 0.00 0.00 0.11Data are shown in 1 BAM.
1© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)80 39 03, fax: +386 (0)1 620 2 708
ProfilePublished 10/29/2018
Chapter 1
PROFILELong name:
Legal form: DRUŠTVO SA OGRANIČENOMODGOVORNOŠĆU
G 47.11 RETAIL SALE IN NON-SPECIALISED STORES WITH FOOD,BEVERAGES OR TOBACCOPREDOMINATING
Activity:
Founded: 2003
Company size: Big
Company Register: Općinski (registarski) sud uSarajevu
Region: Kanton Sarajevo
VAT Payer: NO
(Director)
(Procurator)
MANAGEMENT Shown 2 of 2
Name
BANK ACCOUNTSNLB Banka d.d., Sarajevo
NLB Banka d.d., Sarajevo
SBERBANK BH d.d. Sarajevo
INTESA SANPAOLO BANKA d....
RAIFFEISEN BANK d.d. BiH
RAIFFEISEN BANK d.d. BiH
RAIFFEISEN BANK d.d. BiH
UNICREDIT BANK D D
UNICREDIT BANK D D
UNICREDIT BANK D D
UNICREDIT BANK D D
SPARKASSE BANK DD
NOVA BANKA AD
NLB RAZVOJNA BANKA AD BA...
KOMERCIJALNA BANKA A.D. ...
RAIFFEISEN BANK d.d. BiH
BOBAR BANKA A.D.
BBI d.d. Sarajevo
UNICREDIT BANK D D
BOR BANKA d.d. Sarajevo
UNICREDIT BANK D D
ZIRAAT BANK BH d.d.
NOVA BANKA AD
SBERBANK BH d.d. Sarajevo
NLB RAZVOJNA BANKA AD BA...
CBS BANK D.D. SARAJEVO
2© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)80 39 03, fax: +386 (0)1 620 2 708
Owners and branchesPublished 10/29/2018
Chapter 2
OWNERS Shown 2 of 2 BRANCHES/DIVISIONS Shown 16 of 16
3© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)80 39 03, fax: +386 (0)1 620 2 708
Credit appraisalPublished 10/29/2018
Chapter 3
CREDIT APPRAISAL HISTORY2014 2015
FINANCIAL APPRAISAL
The company operates belowaverage and has increased probabilityof failure in the future. The companyhas some possibility of liquidityproblems and at the sam time hasbelow-average profitability.
Liquidity Average
Name Value Trend DescriptionDebt to asset ratio 0.39 WellPayment capability 0.00 Caution
Cash flow to total costs 0.00 CautionCredit exposure from operations 0.13 Well
Efficiency Careful
Name Value Trend DescriptionReturn on assets 0.00 Caution
Assets turnover on total income 0.22 Careful
DYNAMIC RATING
Subject's main activity has lower than average risk.Subject's location has lower than average risk. Subject isactive for at least 7 years and has more than 4 bankaccounts. There were no account blockades in the last 18months. Subject's financial data is indicating goodfinancial health.
IndicatorsName Value Indicator
Activity 4Location 5
Profile 1Trials N/A
Blocks 5Payment index N/A
Financial data 4
CREDIT LIMIT 235,716Recommended upper credit limit for granting a deferredpayment period of 3 months for this company 235,716
CREDIT MARGIN 1.20 %Recommended minimum credit margin for granting adeferred payment period of 3 months for this company1.20 %
4© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)80 39 03, fax: +386 (0)1 620 2 708
Financial dataPublished 10/29/2018
Chapter 4
BALANCE SHEET - CHART
PROFIT AND LOSS ACCOUNT - CHART
Assets 2017
Fix. Assets78.69 %
Cur. Assets20.64 %
Accr. Income0.67 %
Liabilities 2017
LT Liab.25.57 %
Cur. Liab.17.51 %
Provis ions0.13 %
Equity55.21 %
Def. Payment1.58 %
Revenus 2017
Oper. Income57.50 %
Fin. Income1.03 %
Oth. Income20.74 %
Oth. Income20.74 %
Expenses 2017
Oper. Expen.90.28 %
Fin. Expen.2.96 %
Oth. Expen.3.38 %
Oth. Expen.3.38 %
5© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)80 39 03, fax: +386 (0)1 620 2 708
Financial dataPublished 10/29/2018
Chapter 4
BALANCE SHEETCategories 2015 2016 2017 Growth Abs. (Rel.)
107,083,271 163,225,934 200,400,988 37,175,054 (23%)167,608 108,876 119,464 10,588 (10%)
104,655,975 160,880,159 189,650,871 28,770,712 (18%)0 0 0 00 0 0 0
7,628 7,628 7,628 0 (0%)986,126 1,106,516 9,664,345 8,557,829 (773%)
0 0 0 01,265,934 1,122,755 958,680 -164,075 (-15%)
0 348,435 403,555 55,120 (16%)36,874,369 40,268,252 52,550,753 12,282,501 (31%)
10,917,140 779,205 21,099,878 20,320,673 (2,608%)25,957,229 39,489,047 31,450,875 -8,038,172 (-20%)
0 0 0 00 0 0 0
143,957,640 203,842,621 253,355,296 49,512,675 (24%)143,957,640 203,842,621 253,355,296 49,512,675 (24%)
N/A N/A N/A N/A73,488,814 124,206,453 139,873,633 15,667,180 (13%)
86,101,225 157,005,063 157,005,063 0 (0%)0 0 0 00 0 0 00 0 0 0
4,609,861 4,601,884 4,605,592 3,708 (0%)0 0 0 00 0 0 0
20,116 301,867 15,964,846 15,662,979 (5,189%)17,242,388 37,702,361 37,701,868 -493 (0%)
0 0 0 0141,678 39,269 319,416 280,147 (713%)
59,545,574 67,158,744 64,792,468 -2,366,276 (-4%)57,357,750 63,016,116 59,800,090 -3,216,026 (-5%)
511,824 511,824 511,824 0 (0%)9,996,100 11,048,969 44,363,479 33,314,510 (302%)6,272,585 8,885,878 7,867,546 -1,018,332 (-11%)2,783,679 1,680,806 34,476,755 32,795,949 (1,951%)
64,162 40,000 39,927 -73 (0%)222,943 64,142 1,399,259 1,335,117 (2,082%)
7,113 17,604 153,689 136,085 (773%)295,589 0 0 0349,859 360,539 426,303 65,764 (18%)
170 0 0 0785,474 1,389,186 4,006,300 2,617,114 (188%)
0 0 0 0143,957,640 203,842,621 253,355,296 49,512,675 (24%)
143,957,640 203,842,621 253,355,296 49,512,675 (24%)* Data are shown in 1 BAM.
Fixed assets and long-term pla...Intangible assetsTangible fixed assetsInvestment propertiesBiological assetsOther tangible fixed assetsNon-Current financial assetsLong-term receivablesLong-term accruals
Deferred tax assetsShort-term assets
InventoriesCash, short-term receivables a...
Deferred tax assetsLoss above capitalTotal assets
AssetsOff-balance sheet balance
Equity and reservesCore capitalCalled-up capitalShare premiumReservesRevaluation reservesUnrealized gainUnrealized lossUndistributed profitLoss up to the amount of capitalShare purchase
Long-term provisionsLong-term liabilities
Long-term loansDeferred tax liabilitiesShort-term liabilities
Short-term financial liabilitiesLiabilitiesLiabilities from specific oper...Liabilities for wages, benefit...Other liabilitiesLiabilities for VATOther taxes and other dutiesLiabilities for income tax
AccrualsDeferred tax liabilityTotal equity and liabilities
Business liabilities
6© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)80 39 03, fax: +386 (0)1 620 2 708
7
Financial dataPublished 10/29/2018
Chapter 4
PROFIT AND LOSS ACCOUNTCategories 2015 2016 2017 Growth Abs. (Rel.)
41,839,617 44,349,703 70,604,162 26,254,459 (59%)23,037,785 19,662,089 49,069,143 29,407,054 (150%)
420,996 541,640 285,976 -255,664 (-47%)0 0 0 00 0 0 00 0 0 0
N/A N/A N/A N/AN/A N/A N/A N/A
18,380,836 24,145,974 21,249,043 -2,896,931 (-12%)39,659,238 42,963,967 73,699,604 30,735,637 (72%)
15,459,352 17,810,784 39,654,067 21,843,283 (123%)1,289,033 1,138,235 2,408,702 1,270,467 (112%)2,935,401 1,594,220 5,478,095 3,883,875 (244%)
12,806,926 13,971,890 15,455,058 1,483,168 (11%)3,795,097 5,344,928 5,838,225 493,297 (9%)
0 0 370,140 370,1403,373,429 3,103,910 4,495,317 1,391,407 (45%)
N/A N/A N/A N/AN/A N/A N/A N/A
2,180,379 1,385,736 0 -1,385,736 (-100%)0 0 3,095,442 3,095,442
843,262 1,262,830 1,258,837 -3,993 (0%)2,146,608 2,449,426 2,419,756 -29,670 (-1%)2,053,805 2,389,083 2,362,181 -26,902 (-1%)877,033 199,140 0 -199,140 (-100%)
0 0 4,256,361 4,256,36197,367 116,280 25,463,624 25,347,344 (21,799%)
903,682 25,256,814 2,756,209 -22,500,605 (-89%)42,780,246 45,728,813 97,329,164 51,600,351 (113%)42,760,130 70,689,484 81,721,305 11,031,821 (16%)
20,116 0 15,662,979 15,662,9790 24,960,671 0 -24,960,671 (-100%)
* Data are shown in 1 BAM.
Operating incomeSales of goodsIncome from sale ofIncome from the consumption of...The increase in inventories of...Decrease in inventories of eff...Increase in value of investmen...Reduction in value of investme...Other operating income
Operating expensesCost of goods soldMaterial costSalaries and other employee be...Cost of production servicesAmortizationCost of provisionIntangible costsIncome tax expenseContributions
Profit from operating activitiesLoss from operationsFinancial incomeFinance expenses
Interest expenseProfit ordinary activitiesLoss of regular activitiesOther income and gains, except...Other expenses and losses, unl...Total revenueTotal expendituresNet profit for the periodNet loss for the period
© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)80 39 03, fax: +386 (0)1 620 2 708
Financial dataPublished 10/29/2018
Chapter 4
INDICATORSCategories 2015 2016 2017 Growth Abs. (Rel.)
160 151 351 200 (132%)
0.73 0.79 0.75 -0.04 (-5%)0.26 0.20 0.21 0.01 (5%)0.05 0.16 0.08 -0.08 (-50%)
0.51 0.61 0.55 -0.06 (-10%)0.49 0.39 0.45 0.06 (15%)0.69 0.76 0.70 -0.06 (-8%)0.96 0.64 0.81 0.17 (27%)
3.69 3.64 1.18 -2.46 (-68%)2.60 3.57 0.71 -2.86 (-80%)0.00 0.00 0.16 0.160.41 0.13 0.09 -0.04 (-31%)
0.40 0.28 0.49 0.21 (75%)0.30 0.22 0.38 0.16 (73%)1.16 1.14 1.85 0.71 (62%)3.92 58.69 4.61 -54.08 (-92%)2.52 7.95 14.76 6.81 (86%)0.29 0.26 0.43 0.17 (65%)
93.14 6.22 79.13 72.91 (1,172%)144.70 45.91 24.72 -21.19 (-46%)314.61 321.41 197.07 -124.34 (-39%)
1.00 0.65 1.19 0.54 (83%)1.05 1.03 0.96 -0.07 (-7%)0.00 0.00 0.16 0.160.30 0.22 0.38 0.16 (73%)0.00 0.00 0.06 0.060.00 0.00 0.11 0.110.05 0.03 -0.04 -0.07 (-233%)0.00 0.00 0.16 0.160.00 0.00 0.22 0.22
55,692.98 55,131.68 24,475.83 -30,655.85 (-56%)0.02 0.01 -0.01 -0.02 (-200%)
3,815,213.00 5,344,928.00 21,501,204.00 16,156,276.00 (302%)26,878,269.00 29,219,283.00 8,187,274.00 -21,032,009.00 (-72%)
* Data are shown in 1 BAM.
Average number of employees ba...THE ASSET STRUCTURE RATIOS
Tangible and intangible assets...Current assets to total assetsFinancial investments to total...
FINANCIAL LEVERAGE RATIOSShareholder's funds to as...Debt to assetsShareholder's funds to lo...Financial leverage
LIQUIDITY RATIOSCurrent ratioQuick ratioCash flow to total costsCredit exposure from operations
ASSET TURNOVER RATIOSFixed assets turnover ratioTotal assets turnover ratioCurrent assets turnoverInventory turnoverDebtors turnoverAsset turnover on total income
ASSET TURNOVER RATIOS (DAYS)Inventory conversion periodDays sales outstandingPayables deferral period
RATIOS OF EFFICIENCY, PROFITAB...Total revenues to total expensesOperating revenues to operatin...Net profit marginAsset utilization ratioNet return on assets (ROA)Return on equity (ROE)Operating marginPre-tax profit marginNet profit margin on salesValue added per employeeOperating return on assets
CASH-FLOWOperating cash flowNet operating working capital
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