credit report - bisnodesearch.bisnode.si/content/report-samples/...credit report published 2/2/2016...

Published 2/2/2016

Issued for:

Bisnode d.o.o.Part of the BISNODE group, Stockholm, Sweden

CREDIT REPORT

© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)1 620 2 866, fax: +386 (0)1 620 2 708

Credit reportPublished 2/2/2016

PROFILE Chapter 1

Company:

Address:

Activity: G 47.110 RETAIL SALE IN NON-

SPECIALIZED STORES WITH FOOD, B...

Registration number:

VAT No.:

Company size: Large

OWNERS AND BRANCHES Chapter 2

Owners: no data Branches: 622Last year

BLOCKS

Current Number of Blocks: Blocks:

0 / 14 bank accounts 0 / 365 days

Period: 2/2/2015 - 2/2/2016

CREDIT APPRAISAL Chapter 3

CREDIT LIMIT: 154,462 €CREDIT MARGIN: 2.82 %

SEMAPHOREGreen light - no critical events found in Bonitete.sidatabase, which could have effect on currentcompany business.

PAYMENT INDEX Chapter 4

November 2015

TRIALS Chapter 5

Number of trials: 75 Prosecutes: 47Prosecuted: 28

Period: 2/2/2015 - 2/2/2016

RESULTS OF OPERATIONS Chapter 7

Categories 2012 2013 2014

Assets 1,920,236,000 1,734,608,000 1,622,834,000

Capital 740,244,000 577,787,000 639,201,000

Total revenues 1,447,269,000 1,494,938,000 1,471,464,000

Net business result for the accounting period -77,602,000 -35,599,000 -95,111,000

Average number of employees 8,922 9,645 9,797

Debt to assets 59 65 60

Current ratio 0 0 1

Net return on assets -4 -2 -6

*Source: Ajpes - database of annual reports Data are shown in 1 EUR.

© CREDITWORTHINESS RATING REPORT. All rights reserved www.bisnode.si, tel: +386 (0)1 620 2 866, fax: +386 (0)1 620 2 708 1

63

ProfilePublished 2/2/2016

Chapter 1

PROFILE

Long name:

Legal form: JOINT-STOCK COMPANY (D.D.)

G 47.110 RETAIL SALE IN NON-

SPECIALIZED STORES WITH FOOD,

BEVERAGES OR TOBACCO

PREDOMINATING

Activity:

Founded:

Registration number:

Company size: Large

EU Company Size: Over 1000 employees

Company Register: Okrožno sodišče Ljubljana

Region: OSREDNJESLOVENSKA

Capital: Mixed Capital

Sector: 11003 Foreign controlled non-financial

corporations

VAT Payer: YES

Chairman of the board

Member of the board

Member of the board

REPRESENTATIVES Shown 3 of 3

Name

BANK ACCOUNTS

NOVA LJUBLJANSKA BANK...

SKB BANKA D.D.

NOVA KREDITNA BANKA M...

ABANKA D.D.

ABANKA D.D.

GORENJSKA BANKA D.D.,...

BANKA KOPER D.D.

RAIFFEISEN BANKA D.D.


UNICREDIT BANKA SLOVE...

Sberbank banka d.d.

Sberbank banka d.d.

HYPO-ALPE-ADRIA BANK ...

BANKA SPARKASSE D.D.

PROBANKA D.D.



Sberbank banka d.d.

Societe Generale


Owners and branchesPublished 2/2/2016

Chapter 2

OWNERS Shown 0 of 0

There are no data for selected subject.

SHAREHOLDINGS Shown 15 of 19

100.00%

100.00%

100.00%

100.00%

100.00%

100.00%

100.00%

100.00%

100.00%

100.00%

100.00%

9.74%

6.25%

6.13%

2.63%

BRANCHES/DIVISIONS Shown 22 of 622


LinkagesPublished 2/2/2016

Chapter 2


Credit appraisalPublished 2/2/2016

Chapter 3

CREDIT APPRAISAL HISTORY

2014 2015

FINANCIAL APPRAISAL

The company operates belowaverage, it has a forecast of averagerisk in the future. The company hassome possibility of liquidity problemsand at the sam time achieves anaverage return.

Liquidity Average

Name Value Indicator Description

Debt to asset ratio 59.59 AveragePayment capability 0.83 Caution

Cash flow to total costs -0.03 CautionCredit exposure from operations 0.07 Excellent

Efficiency Average

Name Value Indicator Description

Return on assets 0.01 CarefulAssets turnover on total income 0.88 Average

DYNAMIC RATING

Company activity has a higher risk. Company location isless risky. Entity is a capital company or soleentrepreneur, is subject to value added tax and has notclosed any bank accounts in the last 12 months. There isno data on bank account block in the last two years orthe last bank account block was more than 18 monthsago. Entity was sued at least five times in the last threeyears. Financial data indicates that the company has abad debt to credit exposure ratio.

IndicatorsName Value Indicator

Activity 2Location 4

Profile 4Trials 2

Blocks 5Payment index 2

Financial data 3

CREDIT LIMIT 154,462 €Recommended upper credit limit for granting a deferredpayment period of 3 months for this company 154,462€

CREDIT MARGIN 2.82 %Recommended minimum credit margin for granting adeferred payment period of 3 months for this company2.82 %


Payment IndexPublished 2/2/2016

Chapter 4

Payment index is calculated as weighted average of days between settlement date and value date. Theweights are based on the amount of payments.

Payment index Description

81 - 100 Company anticipates.

80 Company pays promtly on due.

75 - 79 Company settles payments up to 7 days past due.

70 - 74 Company pays slow to 15 days past due.





0 - 19 Company pays over 120 days past due.

N/A No Data

PAYMENT INDEXPayment index for November 2015Company pays slow to 30 days past due. 63

NOTEThe database contains only those invoices that areaccesible to database owner. Figures are based on all paidinvoices from the database.

Payment Index Statistic

Company Activity

Min 63 72

Max 67 74

Average 65 73

Last 63 74


TrialsPublished 2/2/2016

Chapter 5

PROSECUTED Shown 14 of 28

Prosecute ID Party Amount District Court Last Proc.

61,582 Okrožno sodišče Slovenj Gradec 1/26/201624,403 DELOVNO sodišče Ljubljana 1/18/2016

8,342 OKRAJNO sodišče Ljubljana 1/8/201624,500 DELOVNO sodišče Ljubljana 12/15/2015

DELOVNO sodišče Ljubljana 12/8/201534,421 Okrožno sodišče Murska Sobota 11/24/2015

Okrožno sodišče Ljubljana 11/23/2015DELOVNO sodišče Ljubljana 11/9/2015DELOVNO sodišče Ljubljana 10/15/2015DELOVNO sodišče Ljubljana 10/15/2015

60,845 DELOVNO sodišče Ljubljana 10/12/2015364,157 Okrožno sodišče Ljubljana 10/7/2015

OKRAJNO sodišče Nova Gorica 9/15/20159,571 Okrožno sodišče Ljubljana 9/10/2015

PROSECUTED

Trials: 28

Total Amount: 800,564 EUR

PROSECUTES

Trials: 47

Total Amount: 1,322,656 EUR

PROSECUTES Shown 14 of 48

Prosecute ID Party Amount District Court Last Proc.

7,712 Okrožno sodišče Maribor 2/2/20162,308 Okrožno sodišče Maribor 1/21/2016

Okrožno sodišče Ljubljana 1/20/201656,826 Okrožno sodišče Kranj 1/19/2016

OKRAJNO sodišče Ljubljana 1/14/2016109,317 Okrožno sodišče Celje 1/12/2016

5,636 OKRAJNO sodišče Ljubljana 1/12/201632,465 Okrožno sodišče Maribor 1/5/2016

Okrožno sodišče Ljubljana 12/8/2015Okrožno sodišče Ljubljana 11/24/2015Okrožno sodišče Ljubljana 11/17/2015Okrožno sodišče Ljubljana 11/4/2015

1,752 OKRAJNO sodišče Tolmin 10/19/20154,465 Okrožno sodišče Koper 10/7/2015

Period: 2/2/2015 - 2/2/2016


Real EstatePublished 2/2/2016

Chapter 6

Owner

Property manager

4,084Real estate count

410,724,145 €value sum

3,097,630 marea sum

2,564location count

2

LJUBLJANA

NOVO MESTO

MARIBOR

PTUJ

KRANJ

DOMŽALE

Ostalo

90Real estate count

23,679,386 €value sum

47,385 marea sum

31location count

2LJUBLJANA

ŠALOVCI

KRŠKO

SELNICA OB DRAVI

BREŽ ICE

KRANJ

Ostalo



Chapter 6

Owner - PARTS OF A BUILDING Shown 20 of 2246

No. Building KO commune Location Actual usage Usablearea

Floorarea

Ownershipshare

Value in €(GURS)

20,099.50 26,189.30 1.00 % 19,698,660.00

12,848.10 15,834.30 1.00 % 10,889,030.00

6,169.60 6,573.90 1.00 % 8,655,451.00

8,787.90 12,001.10 0.03 % 6,466,398.00

7,544.40 7,544.40 1.00 % 5,382,725.00

6,637.80 10,586.50 1.00 % 5,017,862.00

6,827.10 17,058.90 1.00 % 4,835,938.00

7,103.00 7,103.00 1.00 % 4,684,782.00

0.00 4,255.90 1.00 % 4,141,449.00

5,557.70 5,971.50 0.50 % 4,120,818.00

6,498.90 6,498.90 1.00 % 3,656,495.00

2,401.40 2,401.40 1.00 % 3,468,594.00

7,353.00 7,353.00 0.50 % 3,340,320.00

23,357.00 23,357.00 1.00 % 3,262,724.00

3,410.60 6,416.60 1.00 % 3,066,836.00

5,238.00 5,238.00 1.00 % 3,063,064.00

9,285.50 9,285.50 1.00 % 3,012,806.00

14,455.00 14,455.00 1.00 % 2,990,098.00

15,437.00 15,437.00 1.00 % 2,941,337.00

5,780.20 5,780.20 1.00 % 2,630,091.00

2,246parts of a building count

726location count

991,928.00 m2

area sum3,967,583.00 €sum of ownership share values

427,935,540.00 €sum of values



Chapter 6

Owner - LAND Shown 10 of 1838

Property manager - PARTS OF A BUILDING Shown 10 of 90

No. KO commune Intended use Area(m2)

Ownershipshare

Value in €(GURS)

5,101.00 1.00 % 628,090.80

12,557.00 1.00 % 468,859.30

3,122.00 1.00 % 416,733.60

11,320.00 1.00 % 310,440.80

8,736.00 1.00 % 308,366.50

11,163.00 1.00 % 263,908.90

6,783.00 1.00 % 255,168.90

6,601.00 1.00 % 251,993.70

84,966.00 1.00 % 239,857.70

5,990.00 1.00 % 212,832.20

No. Building KO commune Location Actual usage Usablearea

Floorarea

Ownershipshare

Value in €(GURS)

3,626.60 5,899.30 0.00 % 2,616,172.00

3,050.80 4,771.40 0.00 % 1,819,348.00

826.80 826.80 0.00 % 909,045.70

826.80 826.80 0.00 % 909,045.70

826.40 826.40 0.00 % 908,629.10

825.60 825.60 0.00 % 907,795.70

825.50 828.50 0.00 % 907,691.50

825.10 825.10 0.00 % 907,274.80

824.10 824.10 0.00 % 906,233.10

824.10 824.10 0.00 % 906,233.10

1,838parts of a building count

1,838location count

2,105,702.00 m2

area sum139,657.00 €sum of ownership share values

15,264,297.00 €sum of values

90parts of a building count

90location count

47,385.00 m2

area sum201,348.00 €sum of ownership share values

23,679,386.00 €sum of values


Financial dataPublished 2/2/2016

Chapter 7

BALANCE SHEET - CHART

PROFIT AND LOSS ACCOUNT - CHART

Assets 2014

Long-term80.56 %

Short-term19.44 %

Short-term deferred costs0.00 %

Liabilities 2014

Capital39.39 %

Provis ions1.02 %

Fin. & business59.59 %

Short-term accrued costs0.00 %

Revenus 2014

Net sales98.90 %

Financial0.48 %

Other0.63 %

Expenses 2014

Cost of services77.29 %

Labour cost11.46 %

Financial7.52 %

Other3.73 %



Chapter 7

BALANCE SHEET

*Source: Ajpes - database of annual reports Data are shown in 1 EUR

Categories 2012 2013 2014 Growth Abs. (Rel.)

1,920,236,000 1,734,608,000 1,622,834,000 -111,774,000 (-6%)

1,626,699,000 1,450,007,000 1,307,425,000 -142,582,000 (-10%)

9,570,000 9,289,000 9,244,000 -45,000 (0%)

1,035,658,000 935,671,000 877,304,000 -58,367,000 (-6%)

562,271,000 489,044,000 13,419,000 -475,625,000 (-97%)

0 0 387,222,000 387,222,000

19,200,000 16,003,000 20,236,000 4,233,000 (26%)

293,537,000 284,601,000 315,409,000 30,808,000 (11%)

0 0 0 0

84,225,000 110,447,000 118,710,000 8,263,000 (7%)

54,207,000 13,298,000 78,567,000 65,269,000 (491%)

143,494,000 154,838,000 99,561,000 -55,277,000 (-36%)

11,611,000 6,018,000 18,571,000 12,553,000 (209%)

0 0 0 0

0 0 0 0

1,920,236,000 1,734,608,000 1,622,834,000 -111,774,000 (-6%)

740,244,000 577,787,000 639,201,000 61,414,000 (11%)

44,101,000 25,136,000 16,577,000 -8,559,000 (-34%)

1,135,891,000 1,131,685,000 967,056,000 -164,629,000 (-15%)

479,410,000 269,993,000 587,931,000 317,938,000 (118%)

436,941,000 242,007,000 559,758,000 317,751,000 (131%)

1,599,000 1,006,000 5,354,000 4,348,000 (432%)

40,870,000 26,980,000 22,819,000 -4,161,000 (-15%)

656,481,000 861,692,000 379,125,000 -482,567,000 (-56%)

331,748,000 498,411,000 37,476,000 -460,935,000 (-92%)

324,733,000 363,281,000 341,649,000 -21,632,000 (-6%)

0 0 0 0

0 0 0 0

0 0 0 0

AssetsLong-term assets

Intangible assets and long-term ...Tangible fixed assetsLong-term financial investments ...Long-term operating receivablesDeferred receivables for taxes

Short-term assetsAssets (group for estrange) for ...InventoriesShort-term financial investmentsShort-term operating receivablesCash assets

Short-term deferred costs and ac...Off-balance sheet itemsLiabilities

CapitalProvisions and long-term accrued...Financial and business liabilities

Long-term liabilitiesLong-term financial liabilitiesLong-term operating liabilities

Deferred liabilities for taxesShort-term liabilities

Short-term financial liabilitiesShort-term operating liabilities

Liabilities, included in groups ...Short-term accrued costs and def...

Off-balance sheet items



Chapter 7

PROFIT AND LOSS ACCOUNT



1,425,391,000 1,464,319,000 1,455,212,000 -9,107,000 (-1%)

0 0 0 0

0 0 0 0

13,560,000 24,628,000 9,232,000 -15,396,000 (-63%)

1,438,951,000 1,488,947,000 1,464,444,000 -24,503,000 (-2%)

1,197,330,000 1,204,521,000 1,214,992,000 10,471,000 (1%)

161,372,000 173,588,000 180,081,000 6,493,000 (4%)

40,915,000 37,078,000 45,115,000 8,037,000 (22%)

39,826,000 37,078,000 37,131,000 53,000 (0%)

1,089,000 0 7,984,000 7,984,000

0 0 0 0

20,308,000 21,520,000 13,565,000 -7,955,000 (-37%)

1,438,951,000 1,488,947,000 1,464,444,000 -24,503,000 (-2%)

1,419,925,000 1,436,707,000 1,453,753,000 17,046,000 (1%)

19,026,000 52,240,000 10,691,000 -41,549,000 (-80%)

19,026,000 52,240,000 10,691,000 -41,549,000 (-80%)

8,318,000 5,991,000 7,020,000 1,029,000 (17%)

111,218,000 94,348,000 118,146,000 23,798,000 (25%)

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0

1,447,269,000 1,494,938,000 1,471,464,000 -23,474,000 (-2%)

1,531,143,000 1,531,055,000 1,571,899,000 40,844,000 (3%)

-83,874,000 -36,117,000 -100,435,000 -64,318,000 (-178%)

0 -518,000 -5,324,000 -4,806,000 (-928%)

-77,602,000 -35,599,000 -95,111,000 -59,512,000 (-167%)

59,941,000 89,318,000 55,806,000 -33,512,000 (-38%)

Net salesChanges in the value of inventor...Capitalised own products and own...Other operating revenues (with s...Gross operating yieldCost of goods, material and serv...Labour costWrite-offs

DepreciationRevaluation operating expenses f...Revaluation operating expenses f...

Other operating expensesOperating revenuesOperating expensesOperating resultEBITFinancial incomeFinancial expenses

Financial expenses from deprecia...Financial expenses for interests...Financial expenses from financia...Financial expenses from operatin...

Other revenuesOther expensesTotal revenuesTotal costsTotal business resultTax on profitNet business result for the acco...EBITDA



Chapter 7

INDICATORS



8,922 9,645 9,797 152 (2%)

53.93 53.94 54.06 0.12 (0%)

12.46 15.64 14.59 -1.05 (-7%)

32.10 28.96 5.67 -23.29 (-80%)

38.55 33.31 39.39 6.08 (18%)

59.15 65.24 59.59 -5.65 (-9%)

45.51 39.85 48.89 9.04 (23%)

153.45 195.87 151.29 -44.57 (-23%)

0.45 0.33 0.83 0.50 (152%)

0.32 0.20 0.52 0.32 (157%)

-0.02 0.00 -0.03 -0.03 (-3,633%)

0.10 0.10 0.07 -0.04 (-35%)

1.40 1.49 1.61 0.12 (8%)

0.72 0.80 0.87 0.07 (8%)

4.86 5.48 5.54 0.06 (1%)

11.61 14.38 12.29 -2.09 (-15%)

9.32 9.98 11.51 1.53 (15%)

0.73 0.82 0.88 0.06 (7%)

31.43 25.38 29.69 4.31 (17%)

39.16 36.57 31.70 -4.86 (-13%)

84.17 89.71 91.33 1.62 (2%)

0.95 0.98 0.94 -0.04 (-4%)

1.01 1.04 1.01 -0.03 (-3%)

-5.36 -2.38 -6.46 -4.08 (-171%)

0.73 0.82 0.88 0.06 (7%)

-3.93 -1.95 -5.67 -3.72 (-191%)

-9.91 -5.40 -15.63 -10.23 (-189%)

1.32 3.51 0.73 -2.78 (-79%)

-5.83 -2.43 -6.86 -4.43 (-183%)

-5.44 -2.43 -6.54 -4.10 (-169%)

24,805.31 27,258.27 24,077.47 -3,180.80 (-12%)

0.01 0.03 0.01 -0.02 (-78%)

-36,687,000.00 1,479,000.00 -49,996,000.00 -51,475,000.00(-3,480%)

239,330,000.00 271,303,000.00 236,842,000.00 -34,461,000.00 (-13%)

Average number of employeesTHE ASSET STRUCTURE RATIOS

Tangible and intangible assets ...Current assets to total assetsInvestments to total assets

FINANCIAL LEVERAGE RATIOSShareholders' funds to assetsDebt to assetsShareholders' funds to long-ter...Financial leverage

LIQUIDITY RATIOSCurrent ratioQuick ratioCash flow to total costsCredit exposure from operations

ASSET TURNOVER RATIOSFixed assets turnover ratioTotal assets turnover ratioCurrent assets turnoverInventory turnover 1Debtors turnoverAsset turnover on total income

ASSET TURNOVER RATIOS (DAYS)Inventory coversion period 1Days sales outstandingPayables deferral period

RATIOS OF EFFICIENCY, PROFITABI...Total revenues to total expensesOperating revenues to operating...Net profit marginAsset utilization ratioNet return on assetsReturn on equityOperating marginPre-tax profit marginNet profit margin on salesValue added per employeeOperating return on assets

CASH-FLOWOperating cash flow

Net operating working capital


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