CREDIT REPORT · 2018. 12. 20. · Credit report Published 10/29/2018 PROFILE Chapter 1 Company:...

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: C 19.20 MANUFACTURE OF REFINEDPETROLEUM PRODUCTSRegistration number: VAT No.: Company size: Big

OWNERS AND BRANCHES Chapter 2

Owners: 10 Branches: 0Last year

BLOCKS

Current Number of Blocks: Blocks:0 / 10 bank accounts 0 / 365 days

Last year

Last checked: 10/25/2018

CREDIT APPRAISAL Chapter 3

CREDIT LIMIT*: 3,221,343CREDIT MARGIN: 1.73 %

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

PAYMENT INDEX Chapter 4

7/31/2017 - 7/31/2018

RESULTS OF OPERATIONS Chapter 5

Categories 2015 2016 2017

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 -1,202,448,600 160,021,200 1,424,695,400

Number of employees 7,605.00 4,598.00 4,225.00

Debt to assets 27.17 28.76 19.42

Current ratio 0.69 0.81 1.21

Net return on assets -5.86 0.79 7.24

Return on equity -10.94 1.49 12.58Data are shown in 1 HRK.

74

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:

C 19.20 MANUFACTURE OF REFINEDPETROLEUM PRODUCTS

Activity:

Founded: 1/1/1963

Registration number:

Company size: Big

Company Register: Trgovački sud u Zagrebu

Region: Grad Zagreb

(Chairman)

(Chairman)

(Board of Directors)





(Supervisory Board)

(Supervisory Board)

(Supervisory Board)

MANAGEMENT Shown 10 of 15

Name

BANK ACCOUNTS Shown 35 of 39

ERSTE & STEIERMÄRKISCHE ...

SBERBANK d.d. Zagreb

OTP BANKA HRVATSKA d.d. ...

SOCIETE GENERALE SPLITSK...

PRIVREDNA BANKA ZAGREB d...




ZAGREBAČKA BANKA d.d. Za...

RAIFFEISENBANK AUSTRIA d...


HRVATSKA POŠTANSKA BANKA...

























Owners and branchesPublished 10/29/2018

Chapter 2

OWNERS Shown 10 of 10

SKRB. RAČ.-ZAGREBAČKA BANKA D. (49.08%)

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.-SPLITSKA BANKA D.D. (2.28%)

SKRB. RAČ.-SPLITSKA BANKA D.D. (0.46%)


BRANCHES/DIVISIONS Shown 0 of 0

There are no data for selected subject.


Credit appraisalPublished 10/29/2018

Chapter 3

CREDIT APPRAISAL HISTORY2016 2017

FINANCIAL APPRAISAL

The company operates excellent, ithas a forecast of lower risk in thefuture. The company has no majorliquidity problems and at the samtime achieve above-averageprofitability.

Liquidity Well

Name Value Indicator DescriptionDebt to asset ratio 19.42 ExcellentPayment capability 1.19 Careful

Cash flow to total costs 0.21 ExcellentCredit exposure from operations 0.08 Well

Efficiency Well

Name Value Indicator DescriptionReturn on assets 8.64 Well

Assets turnover on total income 0.93 Average

DYNAMIC RATING

Subject's main activity has higherthan average risk. Subject has nosubsidiaries and is either a limitedpartnership, joint stock company or aturnover. There is no data on bankaccount blocks in the last 12 months.Subject's financial data is indicatingexcellent financial health.

IndicatorName Points DescriptionActivity 2

Location 3Profile 4Blocks 5

Payment index 3Financial data 5

CREDIT LIMIT* 3,221,343Recommended upper credit limit for granting a deferredpayment period of 3 months for this company is3,221,343

* Data are shown in 1 HRK.

CREDIT MARGIN 1.73 %Recommended minimum credit margin for granting adeferred payment period of 3 months for this company is1.73 %


Payment IndexPublished 10/29/2018

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 INDEX7/31/2017 - 7/31/2018Company pays slow to 15 days past due. 74

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

Payment Index Statistic

Company ActivityMin 74 69Max 80 82Average 76 74Last 74 70


Financial dataINA, d.d.


Chapter 5

BALANCE SHEET - CHART

PROFIT AND LOSS ACCOUNT - CHART

Assets 2017

Long-term assets77.27 %

Short-term assets22.45 %

Deferred costs0.28 %

Liabilities 2017

Capital61.83 %

Provis ions18.20 %

Long-term liabil.0.90 %

Short-term liabil.18.52 %

Accrued costs0.55 %

Revenus 2017

Operating97.91 %

Financial2.09 %

Expenses 2017

Operating98.13 %

Financial1.87 %


Financial data Chapter 5

BALANCE SHEETCategories 2015 2016 2017 Growth Abs. (Rel.)

0 0 0 0

16,365,872,900 15,681,736,400 14,847,318,800 -834,417,600 (-5%)

426,502,300 398,634,900 429,329,600 30,694,700 (8%)

11,556,034,000 11,205,381,000 10,591,109,500 -614,271,500 (-5%)

2,295,508,000 2,312,070,400 2,413,379,700 101,309,300 (4%)

93,134,300 81,741,400 70,996,900 -10,744,500 (-13%)

1,994,694,300 1,683,908,600 1,342,503,000 -341,405,600 (-20%)

3,407,951,900 4,428,757,900 4,314,023,500 -114,734,400 (-3%)

1,597,233,400 1,802,000,800 2,021,148,500 219,147,700 (12%)

1,407,381,300 1,726,631,100 1,487,339,800 -239,291,300 (-14%)

208,518,300 399,662,200 441,040,400 41,378,200 (10%)

194,818,800 500,463,800 364,494,700 -135,969,100 (-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 19,214,334,000 -930,378,500 (-5%)

0 0 0 0

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%)

0 0 0 0

1,602,656,400 1,307,959,100 1,165,205,500 -142,753,600 (-11%)

215,840,700 0 0 0

892,554,500 0 1,375,000 1,375,000

-1,202,448,600 160,021,200 1,424,695,400 1,264,674,200 (790%)

0 0 0 0

N/A 299,205,600 289,459,500 -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%)

0 0 0 0

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 0 114,452,200 114,452,200

N/A 0 0 0

465,337,200 330,432,200 173,100,200 -157,332,000 (-48%)

399,665,700 271,377,300 122,153,400 -149,223,900 (-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 2,078,231,300 -762,122,400 (-27%)

16,682,900 104,783,900 105,022,400 238,500 (0%)

19,816,286,600 20,144,712,500 19,214,334,000 -930,378,500 (-5%)

0 0 0 0

0 N/A N/A N/A

0 N/A N/A N/A


Receivables not-paid called-up c...Long-term assets

Intangible assetsTangible fixed assetsLong-term financial investmentsLong-term operating receivablesDeferred receivables for taxes

Short-term assetsInventoriesShort-term operating receivablesShort-term financial investmentsCash deposits on account and cas...

Deferred costs and accrued revenuesLoss above capitalAssetsOff-balance sheet itemsCapital

Basic (subscribed) capitalReservesReserves from profitProvisions from revaluationRetained netNet business result for the busi...Minority equity interestRESERVATIONS WITH FAIR VALUE

ProvisionsProvisions for pensions and simi...Provisions for tax obligationsOther provisionsProvisions for Initiated Court c...Provisions for Costs of renewing...Provisions for Costs of Warranty...

Long-term financial and operatin...Long-term financial liabilitiesLong-term operating liabilities

Short-term financial and operati...Short-term financial liabilitiesShort-term operating liabilities

Accrued costs and deferred revenuesLiabilitiesOff-balance sheet items

Off-balance sheet items for equi...Off-balance sheet items for mino...

INA, d.d.




PROFIT AND LOSS ACCOUNTCategories 2015 2016 2017 Growth Abs. (Rel.)

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%)

1,309,067,900 154,577,800 383,502,700 228,924,900 (148%)

0 N/A N/A N/A

0 0 0 0

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%)

1,610,682,100 559,884,300 310,523,000 -249,361,300 (-45%)

0 N/A N/A N/A

0 0 0 0

-1,196,338,600 907,590,500 1,699,703,500 792,113,000 (87%)

2,370,372,900 2,615,894,500 3,462,323,700 846,429,200 (32%)

-1,497,952,700 502,283,900 1,772,683,200 1,270,399,300 (253%)

0 502,283,900 1,772,683,200 1,270,399,300 (253%)

1,497,952,700 0 0 0

-295,504,100 342,262,800 347,987,800 5,725,000 (2%)

-1,202,448,600 160,021,200 1,424,695,400 1,264,674,200 (790%)

0 160,021,200 1,424,695,400 1,264,674,200 (790%)

1,202,448,600 0 0 0

0 0 0 0

N/A N/A N/A N/A

-1,202,448,600 160,021,200 1,424,695,400 1,264,674,200 (790%)

478,440,200 98,561,800 -160,500,800 -259,062,600 (-263%)

N/A N/A N/A N/A

0 0 0 0

N/A N/A N/A N/A

5,338,845,700 3,993,038,600 4,636,974,100 643,935,500 (16%)


Total revenuesOperating revenuesFinancial incomeExtraordinary incomeShare of profit from investments...

Total costsOperating expensesFinancial expensesExtraordinary expensesShare of loss from investments i...

EBITEBITDATotal business result

Pre-tax profitPre-tax loss

Tax on profitNet business result for the acco...

Profit for the financial yearLoss for the financial year

Owners netComplete profit or loss from period

Profit or loss from the financia...Net other comprehensive income o...

Attributable to mother company e...Minority owners netAttributable to minority interestsValue added

INA, d.d.




INDICATORSCategories 2015 2016 2017 Growth Abs. (Rel.)

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 4,225 -373 (-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%)

58.32 55.62 55.12 -0.50 (-1%)

16.15 20.00 20.16 0.16 (1%)

12.64 13.46 14.86 1.39 (10%)

53.03 53.45 61.83 8.38 (16%)

27.17 28.76 19.42 -9.34 (-32%)

0.64 0.69 0.80 0.11 (17%)

0.80 0.81 0.91 0.10 (12%)

0.69 0.81 1.21 0.40 (50%)

0.37 0.48 0.64 0.16 (34%)

-8.07 3.36 9.87 6.51 (194%)

-6.48 1.07 7.94 6.86 (641%)

0.99 0.64 0.64 0.01 (1%)

2.11 1.43 1.33 -0.10 (-7%)

0.03 0.14 0.21 0.07 (47%)

13,788,098,722.00 13,736,825,077.00 13,677,112,387.00 -59,712,690.00 (0%)

-5.83 4.51 8.64 4.13 (92%)

0.70 0.80 1.19 0.39 (49%)

11.83 8.65 11.17 2.51 (29%)

40.77 55.16 49.39 -5.77 (-10%)

30.85 42.19 32.69 -9.50 (-23%)

59.52 86.16 63.41 -22.75 (-26%)

-6.05 1.06 7.77 6.71 (633%)

0.97 0.75 0.93 0.18 (24%)

-5.86 0.79 7.24 6.45 (811%)

-6.02 6.01 9.27 3.26 (54%)

-10.94 1.49 12.58 11.10 (747%)

2,364,262,869.00 1,868,325,226.00 3,187,315,621.00 1,318,990,395.00 (71%)


Interest costInvestments

ImportNumber of employeesExportInsurance premium (brutto)THE ASSET STRUCTURE RATIOS

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

FINANCIAL LEVERAGE RATIOSShareholders' funds to assetsDebt to assetsShareholders' funds to long...

LIQUIDITY RATIOSLong-term financing of long-term...Current ratioQuick current ratioPre-tax profit marginProfit margin

ASSET TURNOVER RATIOSCurrent assets turnoverInventory turnoverDebt servicing

ASSET TURNOVER RATIOS (DAYS)Total operating capitalOperating return on assetsPayment capability

RATIOS OF EFFICIENCY, PROFITABIL...Debtors turnoverInventory coversion periodDays sales outstandingPayables deferral periodNet profit marginAsset utilization ratioNet return on assetsOperating margin

CASH-FLOWReturn on equityOperating cash flow

INA, d.d.



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