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TRANSCRIPT
Published 2/2/2016
Issued for:
Bisnode d.o.o.Part of the BISNODE group, Stockholm, Sweden
CREDIT REPORT
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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.
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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.
NOVA LJUBLJANSKA BANK...
UNICREDIT BANKA SLOVE...
Sberbank banka d.d.
Sberbank banka d.d.
HYPO-ALPE-ADRIA BANK ...
BANKA SPARKASSE D.D.
PROBANKA D.D.
NOVA LJUBLJANSKA BANK...
NOVA LJUBLJANSKA BANK...
Sberbank banka d.d.
Societe Generale
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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
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LinkagesPublished 2/2/2016
Chapter 2
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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 %
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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.
50 - 69 Company pays slow to 30 days past due.
40 - 49 Company pays slow to 60 days past due.
31 - 39 Company pays slow to 90 days past due.
20 - 30 Company pays slow to 120 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
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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
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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
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Real EstatePublished 2/2/2016
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
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Real EstatePublished 2/2/2016
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
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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 %
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Financial dataPublished 2/2/2016
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
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Financial dataPublished 2/2/2016
Chapter 7
PROFIT AND LOSS ACCOUNT
*Source: Ajpes - database of annual reports Data are shown in 1 EUR
Categories 2012 2013 2014 Growth Abs. (Rel.)
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
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Financial dataPublished 2/2/2016
Chapter 7
INDICATORS
*Source: Ajpes - database of annual reports Data are shown in 1 EUR
Categories 2012 2013 2014 Growth Abs. (Rel.)
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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