IDENTIFICATION

• Name of the company

• Address

• Legal type of the company

• Capital and distribution

• Date of creation

• Names and dates of birth of senior management

ACTIVITY AND COMMERCIAL POSITION

• Nature, price and quality of products, structure of the clientele, volume of sales;

• Industrial and technical processes;

• Commercial policy and organization, distribution network, stock management;

• Order book, market share and recent developments, competitive pressure.

FINANCIAL SITUATION

• The past three financial years summarized balance sheet and profit and loss accounts with related comments;

• Quality of debits;

• Reliability of accounting documents;

• Details of loans granted by the banks and their relations (type, ceilings, utilization and operation of short-term accounts, amounts, characteristics of repayment schedules and regularity of the repayment of medium and long-term loans);

• Significant shares held and related liabilities.

GENERAL INFORMATION

• Brief background of the borrower;

• Situation of the industry sector;

• Reputation, solvency and competence of senior management ;

• Financial situation and strategy of principal partners and/or membership group.

OPERATING MEANS

• Staff and recent developments;

• Main production assets(type, location, value, age, production capacity, yield, maintenance constraints);

• Supply network and policy, stock management .

SPECIAL FEATURES

• Organisation, staff policy;

• Information system;

• Budgets, management control and auditing(as necessary);

• Legal framework(constraints and comparative advantages);

• Return on capital policy.