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Credit Overview

Credit Overview - Sample

• Executive Summary
• Header Information
• Statutory Information
• Profit and Loss Extracts
• Balance Sheet Extracts
• Ratio Analysis
• Industry Comparison
• Auditors
• Company Officers
• Gazette or Detrimental Information
• Credit Risk Information
• Analyst Summary

Top Executive Summary
Credit Category: Green Credit Limit: 10,000,000
Top Header Information

Date Delivered: 23/04/2008 Report Name: Credit Overview
Time Delivered: 13:13:45 Report Version: 1.2
Account Number: 15537 Report Currency: GBP

Top Statutory Information

Company Name: HARRODS LIMITED
Company Number: 00030209 Date of Incorporation: 20/03/1889
Company Type: Private Limited Latest Accounts to: 03/02/2007
Accounts Type: Group Accounts Latest Return to: 08/11/2007

Legal Status: Claim Form
Legal Status Date: 30/07/2002
Registered Office: 87/135 BROMPTON ROAD
LONDON
SW1X 7XL
Post Code: SW1X 7XL
Business Address: Brompton Rd
Knightsbridge
LONDON
London
SW1X 7XL
Business Phone No: 020 7730 1234
Fax Number:
Business Activities:
Operate the world renowned department store in London.
SIC Codes:
5212 OTHER RETAIL NON-SPECIALISED STORES
US SIC Codes:
5311 DEPARTMENT SHOPS
5990 RETAIL STORES N.E.C.
5099 DURABLE GOODS NEC
0
Company Registered Office Activity:
01/12/1998 Annual Return Made Up Date
01/12/1998 SIC Codes
15/10/1999 Accounts Made Up Date
26/11/1999 Annual Return Made Up Date
26/11/1999 SIC Codes
29/07/2000 Accounts Made Up Date
23/11/2000 Annual Return Made Up Date
23/11/2000 SIC Codes
20/11/2001 Annual Return Made Up Date
20/11/2001 SIC Codes
29/11/2001 Accounts Made Up Date
09/11/2002 Annual Return Made Up Date
09/11/2002 SIC Codes
26/11/2002 Accounts Made Up Date
25/11/2003 Annual Return Made Up Date
25/11/2003 SIC Codes
28/11/2003 Accounts Made Up Date
21/06/2004 Accounts Made Up Date
11/11/2004 Annual Return Made Up Date
11/11/2004 SIC Codes
29/11/2005 Annual Return Made Up Date
29/11/2005 SIC Codes
30/11/2005 Accounts Made Up Date
28/11/2006 Annual Return Made Up Date
28/11/2006 SIC Codes
29/11/2006 Accounts Made Up Date
03/08/2007 Accounts Made Up Date
03/12/2007 Annual Return Made Up Date
03/12/2007 SIC Codes
Previous Names:
N/A

Top Profit and Loss Extracts
Account Type: Group Accounts
Scale:

Profit & Loss Extracts
No. of Months: 12 12 12 12
Period Ending: 03/02/2007 28/01/2006 29/01/2005 31/01/2004
Consolidated: Yes Yes Yes Yes
Turnover: 401.00 352.10 343.90 329.40
Profit Before Tax: 42.70 22.30 23.90 19.90

Top Balance Sheets Extracts

No. of Months: 12 12 12 12
Period Ending: 03/02/2007 28/01/2006 29/01/2005 31/01/2004
Trade Debtors: 9.20 12.80 11.10 8.60
Cash & Equivalent: 52.00 72.10 62.40 37.70
Total Current Assets: 105.00 121.20 120.50 83.80
Trade Creditors: 54.90 39.60 34.90 33.70
Overdrafts: 0.00 0.00 0.00 0.00
ShortTerm Loans: 0.00 6.70 6.90 3.90
Total Current Liabilities: 99.6 91 101.4 88.2
Total L.T. Liabilities: 17.80 442.70 378.80 344.30
Shareholders Funds: 481.30 487.40 418.70 443.60
Stock: 36.20 31.00 33.40 31.90

Top Ratio Analysis

Figures Stated in: Millions
Key Ratios
No. of Months: 12 12 12 12
Period Ending: 03/02/2007 28/01/2006 29/01/2005 31/01/2004
Profit Margin: 10.65 6.33 6.95 6.04
Profit/Capital Employed: 8.56 2.40 3.00 2.53
Profit/Assets: 7.13 2.18 2.66 2.27
Current Debt: 0.21 0.19 0.24 0.20
Total Debt: 0.24 1.09 1.15 0.97
Long Term Debt: 0.04 0.48 0.47 0.44
Current Ratio: 1.05 1.33 1.19 0.95
Liquidity Ratio: 0.69 0.99 0.86 0.59
Stock/Turnover: 11.08 11.36 10.30 10.33
Collection Period: 8.37 13.27 11.78 9.53
Creditor Days: 49.97 41.05 37.04 37.34
Gearing (%): -10.80 57.22 72.77 66.66
Interest Coverage: 2.03 0.86 0.87 0.77
Credit Gearing: 2.08 2.05 2.39 2.25
Indicator Ratio: 29.93 34.08 34.89 36.43

Top Industry Comparison

Industry Type: 55 Departmental Stores
No. of companies: 3,572
Last updated: 01/04/2008

Industry Comparison/Average Latest Previous Previous Previous
Scale: M M M M
Turnover: 40.64 40.32 40.51 44.12
Profit Before Tax: 2.18 2.10 2.64 2.56
Debtors: 0.82 0.86 0.79 2.25
Total Assets: 30.99 32.82 35.04 40.75
Shareholders Funds: 13.78 13.82 14.98 18.51
Profit Margin (%): 5.36 5.21 6.52 5.80
Liquidity Ratio: 0.76 0.93 1.08 1.14
Collection Period: 7.36 7.79 7.12 18.61
Stock/Turnover: 14.67 13.86 12.78 12.57
Creditors Days: 19.94 21.55 21.08 18.94
Solvency Ratio (%): 44.47 42.11 42.75 45.42
Gearing (%): 63.64 76.63 84.18 70.83

Top Auditors

Auditors are: Grant Thornton UK LLP
Auditors Comment on the latest Balance Sheet:
The accounts give a true and fair view.

Top Report of Company Directors

Co Secretary: SIMON DAVID HATHERLY DEAN
Nationality: BRITISH Date Appointed: 01/06/2004
Home Address: Date of Birth: 30/12/1964
3 THE FERNS Occupation:
PLATT
SEVENOAKS
KENT TN15 8JF Co Sec & Director: N
Other Directorships: Y

DIRECTORS DETAILS

Director: MOHAMED AL FAYED
Nationality: BRITISH Date Appointed: 08/11/1991
Home Address: Date of Birth: 27/01/1933
60 PARK LANE Occupation:
COMPANY DIRECTOR
LONDON
W1K 1QE Other Directorships: Y

Director: ALI FAYED
Nationality: BRITISH Date Appointed: 08/11/1991
Home Address: Date of Birth: 18/12/1943
60 PARK LANE Occupation:
COMPANY DIRECTOR
LONDON
W1K 1QE Other Directorships: Y

Director: ANIL TANNA
Nationality: BRITISH Date Appointed: 16/11/1999
Home Address: Date of Birth: 16/06/1947
149 ALBURY DRIVE Occupation:
CHARTERED ACCOUNTANT
PINNER
MIDDLESEX HA5 3RH Other Directorships: Y

Director: RAJIV LOCHAN ASSANAND
Nationality: BRITISH Date Appointed: 14/04/1994
Home Address: Date of Birth: 25/04/1957
6A MATTHEWS STREET Occupation:
RETAIL EXECUTIVE
LONDON
SW11 5AB Other Directorships: Y

Director: JEFFREY BYRNE
Nationality: BRITISH Date Appointed: 18/10/1999
Home Address: Date of Birth: 06/12/1958
22 THURLEIGH ROAD Occupation:
LAWYER
LONDON
SW12 8UG Other Directorships: Y

Director: BENEDICT JAMES SMITH
Nationality: BRITISH Date Appointed: 10/11/2006
Home Address: Date of Birth: 15/01/1969
FLAT 9 Occupation:
62 ECCLESTON SQUARE GROUP FINANCE DIRECTOR
LONDON
SW1V 1PH Other Directorships: Y

Director: DAWSON RAY PARKER
Nationality: AMERICAN Date Appointed: 13/05/2002
Home Address: Date of Birth: 10/03/1948
LONGCROFT Occupation:
1 CROSSACRES, PYRFORD WOODS RETAIL EXECUTIVE
WOKING
SURREY GU22 8QS Other Directorships: Y

Director: JAMES PHILIP HEALY
Nationality: BRITISH Date Appointed: 10/02/2003
Home Address: Date of Birth: 11/03/1966
58 ST JAMES'S DRIVE Occupation:
WANDSWORTH RETAIL EXECUTIVE
LONDON
SW17 7RT Other Directorships: Y

Director: OMAR ALEXANDER MOHAMED AL FAYED
Nationality: BRITISH Date Appointed: 01/11/2006
Home Address: Date of Birth: 01/10/1987
60 PARK LANE Occupation:
COMPANY DIRECTOR BUSINESSMAN
LONDON
W1K 1QE Other Directorships: Y

Director: MARIA GAYNOR MCKEE
Nationality: BRITISH Date Appointed: 24/11/2005
Home Address: Date of Birth: 25/05/1965
5 THE COMMON Occupation:
EALING RETAIL EXECUTIVE
LONDON
W5 3TR Other Directorships: N

Director: MICHAEL ASHLEY WARD
Nationality: BRITISH Date Appointed: 01/08/2006
Home Address: Date of Birth: 31/07/1956
FLAT 603 SHAD THAMES Occupation:
MANAGING DIRECTOR
LONDON
SE1 2YL Other Directorships: Y

Top Gazette or Detrimental Information

HCW Claim Form
Published: Dated: 08/08/2002

On 30/07/2002 a Claim Form was issued at R C J - LONDON QUEENSBENCH against the subject Company at the following address:- 87/135BROMPTON RD,LONDON,SW1X 7XL. The Plaintiff is ESSANELLE LIMITED.The Solicitor acting on behalf of the plaintiff is S P R AVERYMIDGEN of:- , Fax number , Telex Number . Case number 20022473.

Top Credit Risk Information

CCJ's Registered
Information concerning County Court Judgements is provided in good faith; however we do not accept responsibility for the accuracy thereof
Exact Matches
Court Date Amount of Judgement Status Date Settled
BASINGSTOKE 11/07/2007 866 Judgement
Case No. 7BK03436

Gazette Information
Claim Form 30/07/2002

Payment Profiles
Creditor Days
Sector Average: 19.94 Days
HARRODS LIMITED: 49.97 Days
Liquidity Ratio
Sector Average: 0.76
HARRODS LIMITED: 0.69
Vital Signs
Turnover increased by: 13.9%
Pre Tax Profit increased by: 91.5%
Gearing decreased by: 118.9%
Working Capital decreased by: 82.1%

Credit Score: 88
Credit Rating: A
Credit Category: Green
Credit Limit: 10,000,000

Credit Score Date: 23/04/2008

Credit Rating Guidance
Credit Score Range: 0 (Poor) to 100 (Excellent)
Credit Rating Codes: A=Excellent, B=Very Good, C=Above Average, D=Average, E=Poor, F=Very Poor, G=Serious Gazette code present, I=Technically insolvent, O=Late filing of accounts, N=Dormant accounts filed, NA=No accounts filed yet, NR=No Report, NT=Does not trade

Top

Top Analyst Summary

The Companys latest filed accounts are for the year ended 03/02/2007. All contracts may be considered.

My Account

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Knowledge Base Examples

Account Type:	Group Accounts
Scale:

Profit & Loss Extracts
No. of Months:	12	12	12	12
Period Ending:	03/02/2007	28/01/2006	29/01/2005	31/01/2004
Consolidated:	Yes	Yes	Yes	Yes
Turnover:	401.00	352.10	343.90	329.40
Profit Before Tax:	42.70	22.30	23.90	19.90


Figures Stated in:	Millions
Key Ratios
No. of Months:	12	12	12	12
Period Ending:	03/02/2007	28/01/2006	29/01/2005	31/01/2004
Profit Margin:	10.65	6.33	6.95	6.04
Profit/Capital Employed:	8.56	2.40	3.00	2.53
Profit/Assets:	7.13	2.18	2.66	2.27
Current Debt:	0.21	0.19	0.24	0.20
Total Debt:	0.24	1.09	1.15	0.97
Long Term Debt:	0.04	0.48	0.47	0.44
Current Ratio:	1.05	1.33	1.19	0.95
Liquidity Ratio:	0.69	0.99	0.86	0.59
Stock/Turnover:	11.08	11.36	10.30	10.33
Collection Period:	8.37	13.27	11.78	9.53
Creditor Days:	49.97	41.05	37.04	37.34
Gearing (%):	-10.80	57.22	72.77	66.66
Interest Coverage:	2.03	0.86	0.87	0.77
Credit Gearing:	2.08	2.05	2.39	2.25
Indicator Ratio:	29.93	34.08	34.89	36.43

Industry Type:	55	Departmental Stores
No. of companies:	3,572
Last updated:	01/04/2008

Industry Comparison/Average	Latest	Previous	Previous	Previous
Scale:	M	M	M	M
Turnover:	40.64	40.32	40.51	44.12
Profit Before Tax:	2.18	2.10	2.64	2.56
Debtors:	0.82	0.86	0.79	2.25
Total Assets:	30.99	32.82	35.04	40.75
Shareholders Funds:	13.78	13.82	14.98	18.51
Profit Margin (%):	5.36	5.21	6.52	5.80
Liquidity Ratio:	0.76	0.93	1.08	1.14
Collection Period:	7.36	7.79	7.12	18.61
Stock/Turnover:	14.67	13.86	12.78	12.57
Creditors Days:	19.94	21.55	21.08	18.94
Solvency Ratio (%):	44.47	42.11	42.75	45.42
Gearing (%):	63.64	76.63	84.18	70.83

Auditors are:	Grant Thornton UK LLP
Auditors Comment on the latest Balance Sheet:
The accounts give a true and fair view.

Co Secretary:	SIMON DAVID HATHERLY DEAN
Nationality:	BRITISH	Date Appointed:	01/06/2004
Home Address:		Date of Birth:	30/12/1964
3 THE FERNS		Occupation:
PLATT
SEVENOAKS
KENT TN15 8JF		Co Sec & Director:	N
		Other Directorships:	Y

DIRECTORS DETAILS

Director:	MOHAMED AL FAYED
Nationality:	BRITISH	Date Appointed:	08/11/1991
Home Address:		Date of Birth:	27/01/1933
60 PARK LANE		Occupation:
		COMPANY DIRECTOR
LONDON
W1K 1QE		Other Directorships:	Y

Director:	ALI FAYED
Nationality:	BRITISH	Date Appointed:	08/11/1991
Home Address:		Date of Birth:	18/12/1943
60 PARK LANE		Occupation:
		COMPANY DIRECTOR
LONDON
W1K 1QE		Other Directorships:	Y

Director:	ANIL TANNA
Nationality:	BRITISH	Date Appointed:	16/11/1999
Home Address:		Date of Birth:	16/06/1947
149 ALBURY DRIVE		Occupation:
		CHARTERED ACCOUNTANT
PINNER
MIDDLESEX HA5 3RH		Other Directorships:	Y

Director:	RAJIV LOCHAN ASSANAND
Nationality:	BRITISH	Date Appointed:	14/04/1994
Home Address:		Date of Birth:	25/04/1957
6A MATTHEWS STREET		Occupation:
		RETAIL EXECUTIVE
LONDON
SW11 5AB		Other Directorships:	Y

Director:	JEFFREY BYRNE
Nationality:	BRITISH	Date Appointed:	18/10/1999
Home Address:		Date of Birth:	06/12/1958
22 THURLEIGH ROAD		Occupation:
		LAWYER
LONDON
SW12 8UG		Other Directorships:	Y

Director:	BENEDICT JAMES SMITH
Nationality:	BRITISH	Date Appointed:	10/11/2006
Home Address:		Date of Birth:	15/01/1969
FLAT 9		Occupation:
62 ECCLESTON SQUARE		GROUP FINANCE DIRECTOR
LONDON
SW1V 1PH		Other Directorships:	Y

Director:	DAWSON RAY PARKER
Nationality:	AMERICAN	Date Appointed:	13/05/2002
Home Address:		Date of Birth:	10/03/1948
LONGCROFT		Occupation:
1 CROSSACRES, PYRFORD WOODS		RETAIL EXECUTIVE
WOKING
SURREY GU22 8QS		Other Directorships:	Y

Director:	JAMES PHILIP HEALY
Nationality:	BRITISH	Date Appointed:	10/02/2003
Home Address:		Date of Birth:	11/03/1966
58 ST JAMES'S DRIVE		Occupation:
WANDSWORTH		RETAIL EXECUTIVE
LONDON
SW17 7RT		Other Directorships:	Y

Director:	OMAR ALEXANDER MOHAMED AL FAYED
Nationality:	BRITISH	Date Appointed:	01/11/2006
Home Address:		Date of Birth:	01/10/1987
60 PARK LANE		Occupation:
		COMPANY DIRECTOR BUSINESSMAN
LONDON
W1K 1QE		Other Directorships:	Y

Director:	MARIA GAYNOR MCKEE
Nationality:	BRITISH	Date Appointed:	24/11/2005
Home Address:		Date of Birth:	25/05/1965
5 THE COMMON		Occupation:
EALING		RETAIL EXECUTIVE
LONDON
W5 3TR		Other Directorships:	N

Director:	MICHAEL ASHLEY WARD
Nationality:	BRITISH	Date Appointed:	01/08/2006
Home Address:		Date of Birth:	31/07/1956
FLAT 603 SHAD THAMES		Occupation:
		MANAGING DIRECTOR
LONDON
SE1 2YL		Other Directorships:	Y

HCW	Claim Form
	Published:	Dated:	08/08/2002

	On 30/07/2002 a Claim Form was issued at R C J - LONDON QUEENSBENCH against the subject Company at the following address:- 87/135BROMPTON RD,LONDON,SW1X 7XL. The Plaintiff is ESSANELLE LIMITED.The Solicitor acting on behalf of the plaintiff is S P R AVERYMIDGEN of:- , Fax number , Telex Number . Case number 20022473.

Exact Matches
Court	Date	Amount of Judgement	Status	Date Settled
BASINGSTOKE	11/07/2007	866	Judgement
Case No. 7BK03436

Gazette Information
Claim Form	30/07/2002

Payment Profiles
Creditor Days
Sector Average:	19.94 Days
HARRODS LIMITED:	49.97 Days
Liquidity Ratio
Sector Average:	0.76
HARRODS LIMITED:	0.69

Vital Signs
Turnover increased by:	13.9%
Pre Tax Profit increased by:	91.5%
Gearing decreased by:	118.9%
Working Capital decreased by:	82.1%

Credit Score:	88
Credit Rating:	A
Credit Category:	Green

Credit Limit:	10,000,000

Credit Score Date:	23/04/2008