TEST CO LATVIA SIA


Subscriber No: 037080334, Reference: AG
Delivery Date: Feb 26, 2013

Identification & Summary

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Identification & Summary

Identification

DUNS: 56-569-8925
Official Name: sabiedriba ar ierobezotu atbildibu 'TEST CO LATVIA'
Address: 12 Biezina street
Riga LV 1050
LATVIA
Telephone: 371 67588888
Telefax: 371 67599999
E-mail Address: sample@sample.lv

Summary

Started: 1993
Year Inc: 1993
Legal Form: Private Limited Company
Reg No: 000300000
Employs: 132
SIC: 5149
Activity: Wholesales groceries and related products
 
 

Risk Summary

   
  (Click on Risk Summary items for full details)    
 
Risk Evaluation
   
 
Risk Indicator 3
 
 
D&B Rating 2A3
 
 
Former Rating 2A4
 
 
Trend Down
 
 
Avg Credit 873,971 USD
 
 
Principal Information
   
 
Principal(s) 2
 
 
Payment Information
   
 
Payments No Complaints
 
 
Financial Summary
   
 
Registered Capital 1,190,820 LAT
 
 
Sales/Turnover 21,754,952 LAT
 
 
Tangible Net Worth 1,335,190 LAT
 
 
Total Assets 5,527,021 LAT
 
 
Pre-Tax Profit 135,119 LAT
 

CURRENCY
All monetary amounts quoted in this report are shown in Latvian Lat unless otherwise stated.

Risk Assessment

 
  Risk Indicator 3  
 
 
  D&B Rating 2A3  
  Financial Strength 2A Based on tangible net worth  
  Risk Indicator 3 Fair (slightly greater than average risk)  

The Dun & Bradstreet Rating of 2A3 indicates:
  A Financial Strength of USD 2.5 - 12 million (based on Net Worth) and a Risk Indicator which is Fair (slightly greater than average risk).
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Principals

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Principals


Name: Mister Mihails Berzins
Position: Chairman of the board
Born: May 24, 1961 in Riga in LATVIA
Nationality: Latvian
Qualifications: Has a degree
   
Name: Ms. Mara Berzina
Position: Member of the board
Born: May 23, 1969 in Riga in LATVIA
Nationality: Latvian
Qualifications: Has a degree
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Bankers

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Bankers


Bank Name: SEB banka, AS
Address: 1 Meistaru iela, Valdlauci, LV 1076, Rigas rajons, LATVIA, LATVIA
Telephone: 371 8008009
Account No: LV75UNLA0002035469765

Secured Charges

11 Mortgage Charges for a total amount of 0 were registered.
 
Mortgagee/Lender Name: SEB banka, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Jun 05, 2005
Charge Reference: Not Available
Related Amount: Not Available
This is a general charge secured against all of the assets of the company.
 
Mortgagee/Lender Name: LATVIJAS UNIBANKA, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Jul 09, 2004
Charge Reference: Not Available
Related Amount: Not Available
This is a general charge secured against all of the assets of the company.
 
Mortgagee/Lender Name: LATVIJAS UNIBANKA, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Oct 15, 2003
Charge Reference: Not Available
Related Amount: Not Available
The charge is secured against: all assets. Discharged 15.10.2008.
 
Mortgagee/Lender Name: LATVIJAS UNIBANKA, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Jun 26, 2003
Charge Reference: Not Available
Related Amount: Not Available
The charge is secured against: all assets. Overmortagaged 06.05.2005.
 
Mortgagee/Lender Name: LATVIJAS UNIBANKA, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Oct 04, 2002
Charge Reference: Not Available
Related Amount: Not Available
The charge is secured against: all assets. Discharged 10.04.2007.
 
Mortgagee/Lender Name: HANZA LIZINGS, SIA
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Jun 20, 2002
Charge Reference: Not Available
Related Amount: Not Available
This is a general charge secured against all of the assets of the company.
 
Mortgagee/Lender Name: LATVIJAS UNIBANKA, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Feb 15, 2002
Charge Reference: Not Available
Related Amount: Not Available
The charge is secured against: all assets. Overmortagaged 15.10.2003.
 
Mortgagee/Lender Name: LATVIJAS UNIBANKA, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Nov 10, 2000
Charge Reference: Not Available
Related Amount: Not Available
The charge is secured against: all assets. Overmortagaged 15.02.2002.
 
Mortgagee/Lender Name: LATVIJAS UNIBANKA, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Jul 26, 2000
Charge Reference: Not Available
Related Amount: Not Available
The charge is secured against: all assets. Overmortagaged 08.11.2001.
 
Mortgagee/Lender Name: LATVIJAS UNIBANKA, AS
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Sep 17, 1999
Charge Reference: Not Available
Related Amount: Not Available
The charge is secured against: all assets. Overmortagaged 15.02.2002.
 
Mortgagee/Lender Name: Francu Bankas SOCIETE GENERALE Rigas nodala
Mortgagee/Lender DUNS: Not Available
Cause of Action: Mortgage
 
Date of Charge: Dec 05, 1998
Charge Reference: Not Available
Related Amount: Not Available
The charge is secured against: all assets. Overmortagaged 17.09.1999.
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TRADE PAYMENTS

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TRADE PAYMENTS

No complaints concerning subject's payments have been reported.
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Public Record Information

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Public Record Information

Protested Bills

No protested bills have been reported.
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History

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History

Background

Business started in Nov 05, 1993 as a Private Limited Company by Ivars Ivanovs.

Legal Form

Private Limited Company registered on Nov 05, 1993 in Riga.
 
Registration No: 000300000
Tax Registration No: 40003000001

References

Auditors: Moore Stephens(RIGA) Ltd., 13, Araisu street, Riga, LV 1006, Latvia

Capital

Nominal capital: 1,190,820 Latvian Lat
Paid-Up capital: All
 
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Linkage

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Linkage

Ownership

Name: Mihails Berzins
Ownership: Holds 33.33% of the voting capital.
   
Name: Mara Berzina
Ownership: Holds 33.33% of the voting capital.
   
Name: Juris Ivanovs
Ownership: Holds 33.33% of the voting capital.

Subsidiaries

Name: Sample2 SIA
Location: Riga, Latvia
Subsidiary DUNS: 89-878-8999
Details: Year started: 2005.
Subject owns 100% of the capital.
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Branches / Divisions

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Branches / Divisions


Subject has 2 branches/divisions.
 
Name: LATGALES REGIONALA NODALA
Location: 8, Rigas street, Jekabpils, LV 5205, Latvia.
   
Name: KURZEMES REGIONALA NODALA
Location: 1, Rigas street, Skrunda, Kuldigas rajons, LV 3326, Latvia.
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Operations

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Operations

Line of Business

Wholesales groceries and related products (5149)
Wholesales nondurable goods (5199)
Wholesales groceries and related products. Wholesales pet foods.

Imports and Exports

Territory: 2% International
98% National
Exports: 2% to Russian Fed, Estonia
Imports: 100% from Denmark, France, Spain, England, Italy

Agencies and Brands

Subject reportedly acts as agent for Sample 1 ltd, Kaffe A/S, Sample 2 A/S, Sample 3 S.p.A., Sample 4 S.r.L.

Employees

Employs: 132 as at Dec 31, 2010

Vehicles

Subject has 100 vehicles including: 85 trucks; 15 cars; which are used in the running of the business.

Location

Operates from office, warehouse at heading address.
Subject is located in a central business area
Registered office: At heading address.
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Financial Information

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Financial Information

Trend of Turnover & Pre-Tax Profit


Trend of key balance sheet items


 

Net Worth and Total Assets are tangible figures shown after the deduction of intangible assets.

Comparatives


  Fiscal
Dec 31, 2008
(Latvian Lat)
Fiscal
Dec 31, 2009
(Latvian Lat)
Fiscal
Dec 31, 2010
(Latvian Lat)
Turnover 24,854,088 28,080,268 21,754,952
Exports 317,069 348,747 350,000
Pre-tax Profit 648,362 790,826 135,119
Net Worth 1,785,777 1,985,305 1,335,190
Fixed Assets 1,724,653 8,411,278 203,732
Total Assets 7,183,899 14,928,728 5,527,021
Current Assets 5,065,769 6,146,409 4,955,521
Current Liabilities 5,344,506 12,777,187 3,997,354
Working Capital -278,737 -6,630,778 958,167
Long Term Debt 53,616 166,236 194,477
Financial Assets 322,000 322,000 322,000
Intangibles 71,477 49,041 45,768
Employees
137 135 132
Net Worth and Total Assets are tangible figures shown after the deduction of intangible assets.

  Fiscal
Dec 31, 2005
(Latvian Lat)
Fiscal
Dec 31, 2006
(Latvian Lat)
Fiscal
Dec 31, 2007
(Latvian Lat)
Turnover 17,224,881 33,397,704 35,128,679
Exports 339,374   314,658
Pre-tax Profit -293,063 -59,446 421,920
Net Worth 922,900 848,891 1,273,369
Fixed Assets 1,623,714 742,521 182,406
Total Assets 5,498,859 6,530,688 7,057,440
Current Assets 3,739,705 5,648,850 6,450,723
Current Liabilities 4,323,326 5,512,757 5,754,652
Working Capital -583,621 136,093 696,071
Long Term Debt 252,633 169,040 29,419
Financial Assets     322,000
Intangibles 135,440 139,317 102,311
Employees
369 356 316
Net Worth and Total Assets are tangible figures shown after the deduction of intangible assets.

Ratios


- Dec 31, 2008 Dec 31, 2009 Dec 31, 2010
Current Ratio 0.95 0.48 1.24
Solvency Ratio (%) 402.28 751.96 413.95
Fixed Assets / Net Worth (%) 96.58 423.68 15.26
Current Liabs / Net Worth (%) 299.28 643.59 299.38
Asset Turnover (%) 345.97 188.10 393.61
Sales / Net Working Capital -89.17 -4.23 22.70
Assets / Sales (%) 28.90 53.16 25.41
Profit Margin (%) 2.61 2.82 0.62
Shareholders Return (%) 36.31 39.83 10.12
Return on Assets (%) 9.03 5.30 2.44
Sales / Employees * 181,416.70 208,001.99 164,810.24
Profit / Employees * 4,732.57 5,857.97 1,023.63
* The ratios are in single units.

- Dec 31, 2005 Dec 31, 2006 Dec 31, 2007
Current Ratio 0.87 1.02 1.12
Solvency Ratio (%) 595.82 769.32 554.23
Fixed Assets / Net Worth (%) 175.94 87.47 14.32
Current Liabs / Net Worth (%) 468.45 649.41 451.92
Asset Turnover (%) 313.24 511.40 497.75
Sales / Net Working Capital -29.51 245.40 50.47
Assets / Sales (%) 31.92 19.55 20.09
Profit Margin (%) -1.70 -0.18 1.20
Shareholders Return (%) -31.75 -7.00 33.13
Return on Assets (%) -5.33 -0.91 5.98
Sales / Employees * 46,679.89 93,813.78 111,166.71
Profit / Employees * -794.21 -166.98 1,335.19
* The ratios are in single units.

Balance Sheet

Abstract from individual fiscal balance sheet.
 
Assets As at Dec 31, 2009
(Latvian Lat)
As at Dec 31, 2010
(Latvian Lat)
Land/Buildings 1,256,875 22,834
Plant/Machinery 5,896,788  
Fixtures/Eqpt   18,811
Misc Fixed Assets 1,257,615 162,087
Total Fixed Assets 8,411,278 203,732
-
Shares in Group 300,000 322,000
Investments 22,000  
Total Fin'cl Assets 322,000 322,000
-
Patents 49,041 12,308
Misc Intangible Assets   33,460
Total Intangible Assets 49,041 45,768
-
CURRENT ASSETS
Stock 122,554 1,682,224
Stock & WIP 25,896  
Trade Debtors 2,589,642 2,553,684
Misc Debtors 25,623 298,444
Prepaid Expenses 148,567 35,165
Cash 3,234,127 386,004
-
TOTAL CURRENT 6,146,409 4,955,521
-
TOTAL ASSETS  14,928,728  5,527,021
-
Liabilities As at Dec 31, 2009
(Latvian Lat)
As at Dec 31, 2010
(Latvian Lat)
Capital 1,190,820 1,190,820
Legal Reserves 56,616  
Revaluation Reserves   100,086
Retained Profits -52,957 44,871
Profit for Year 790,826 -587
Net Worth 1,985,305 1,335,190
-
Misc Provisions 66,236  
Mortgages/Loans   168,776
Misc Def Liabilities  100,000  25,701
-
CURRENT LIABILITIES
Trade Creditors 6,589,663 1,575,166
Misc Creditors 1,259,663 60,308
Accruals 28,759 134,774
Bank Overdraft 456,699 1,737,015
Taxation 256,987 362,325
Proposed Dividends   117,028
Advances Received 25,889 7,854
Misc Current Liabilities 4,159,527 2,884
-
TOTAL CURRENT 12,777,187 3,997,354
-
TOTAL LIABS & NET WORTH  14,928,728  5,527,021

Profit & Loss


- Jan 01, 2009
to Dec 31, 2009
(Latvian Lat)
Jan 01, 2010
to Dec 31, 2010
(Latvian Lat)
Net Sales 28,080,268 21,754,952
Cost of Goods Sold 15,656,580 15,923,685
-
Gross Profit 12,423,688 5,831,267
Selling/Admin Expenses 5,225,454 5,461,506
Depreciation/Amortisation 2,558,963  
Misc Operating Charges 3,785,665 457,316
Misc Operating Income 12,562 564,498
-
Net Operating Income 866,168 476,943
Interest Receivable 12,558 21,518
Misc Financial Income 37,588  
Total Financial Income 50,146 21,518
-
Interest Payable 125,488 363,342
Total Financial Expenses 125,488 363,342
-
Profit Before Taxes 790,826 135,119
Income Tax   13,869
Misc Tax   13,887
-
Profit After Tax 790,826 107,363
-
Net Profit  790,826  107,363

Notes on Financials

The average number of employees during the year was 132.
According to the balance sheet as of Dec 31, 2010.
The above figures have been abstracted from a copy of subject's accounts, the extent to which these have been audited is not known.
Financial statement obtained from Companies Registry on Jun 04, 2009.

Accountant's Opinion

Subject to the foregoing, the financial statements give a true and fair view of the company's affairs.

Financial Interviews

On Sep 29, 2011 Mara Berzina, member of the board, confirmed general details in this report.

Investigation Information

On Dec 05, 2011 local informants stated that:
  This is a sample report containing sample data for demonstration purposes only.

Conclusion

Local informants consider the granting of credit for subject's business activities to be a fair trade risk.
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Appendices

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Appendices

Customer Service

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Customer Service

Speed of service: Typically 4 working days
SCN: 201302265008010293
Order Date: Feb 26, 2013

Should you require any further information or have any questions, please contact your local Customer Service Centre.

Enquiries should always contain the below minimum details please:
  • Full Company Name
  • Full Headquarters Address (street, town, country)
  • Telephone Number
  • Business Identification Number (registration number, chamber of commerce number, VAT number, Government Gazette number)
  • Contact Name
  • SCN
  • Order Date

The information in this report was last updated on Sep 15, 2012.

D&B Rating Glossary

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D&B Rating Glossary

D&B Rating - The D&B Rating consists of two parts, the Financial Strength Indicator and the Risk Indicator.
For example: in the case of a 2A 4 rating, 2A means the financial strength of the business and 4 is the risk indicator.

The Risk Indicator is used in conjunction with the Financial Strength Indicator. The Risk Indicator reflects D&B's opinion of the risk associated with trading with a specific business, notably the likelihood of business continuance or failure over the next 12 months. Created from expert rules systems, the Risk Indicator is refreshed whenever data is loaded onto our databases. Please see the table below for the Risk Indicators and their corresponding values.

  Risk Indicators  
  4 Significant level of risk Take suitable assurances before extending credit
 
  3 Greater than average risk Proceed with transaction but monitor closely
 
  2 Low risk Proceed with transaction
 
  1 Minimal risk Proceed with transaction - offer terms required
 
  - Insufficient information to assign a risk indicator No public information or D&B proprietary information available to indicate trading activity
 

The Financial Strength Indicator is based on either Net Worth or Issued Capital. The table below contains the possible values.

  Financial Strength Indicator Range  
  Net Worth Capital FROM TO  
  5A 5AA $60 million And above  
  4A 4AA $25 million $60 million  
  3A 3AA $12 million $25 million  
  2A 2AA $2.5 million $12 million  
  1A 1AA $1.2 million $2.5 million  
  A AA $600,000 $1.2 million  
  B BB $345,000 $600,000  
  C CC $175,000 $345,000  
  D DD $120,000 $175,000  
  E EE $60,000 $120,000  
  F FF $35,000 $60,000  
  G GG $15,000 $35,000  
  H HH 0 $15,000  
  Alternate Ratings Used  
  N Financial Strength is negative  
  O Financial Strength is undisclosed  
  NB New Business: Less than 24 months  
  NQ Out of Business: Business has ceased to trade  

Financial Ratio Glossary

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Financial Ratio Glossary

Key Business Ratios are used to identify irregularities in the status and future potential of a company.

Name Formula Explanation
Current Ratio (x) Total Current Assets / Total Current Liabilities This ratio shows the cover by current assets of short term creditors, and the higher the ratio the more assurance there is that payment of creditors can be met.
Solvency Ratio % ((Total Current + Deferred + Long Term Liabilities) / Tangible Net Worth) x 100 From this can be seen the extent to which the company is financed by creditors and debt rather than permanent finance.

The higher the ratio the more likely it is that debt (either short term or long term) will be a burden to the company. The effect is higher interest charges, lower profits and a squeeze on liquidity to the disadvantage of creditors.
Fixed Assets to Net Worth (%) (Total Fixed Assets / Tangible Net Worth)x 100 The proportion of net worth that consists of fixed assets will vary greatly from industry to industry, but in general terms a company is under capitalised if fixed assets exceed net worth. In this case it is possible that the company has too much debt, and it should therefore be examined with care.

If on the other hand fixed assets are much lower than net worth the company is over capitalised and is either extremely cautious or in a position to expand. thus a ratio either well in excess of the median, or well below it, means that the company should be looked at with care.
Current Liabilities to Net Worth (%) (Total Current Liabilities / Tangible Net Worth) x100 This contrasts the funds that creditors are temporarily risking with a company with the funds permanently invested by the owners.

The higher the ratio the less security for creditors. Care should be exercised when selling to any company with creditors of less than one year exceeding two thirds of net worth.
Asset Turnover (%) (Turnover / Total Assets(including Intangibles)) x 100 This ratio measures how efficient the company's management has been in generating sales from the assets at its disposal.

The measure can vary considerably from industry to industry and should therefore be judged according to the industry norm.
Sales to net working capital (x) Turnover / Net working capital * This ratio indicates whether a company is overtrading (handling an excessive volume of sales in relation to working capital). Companies with substantial sales gains often reach a level where their working capital becomes strained.

Even if they maintain an adequate total investment for the volume being generated (assets to sales) that investment may be so centred in fixed assets or other non-current items that it will be difficult to continue meeting all current obligations. A ratio falling into either an extremely high or low position may indicate potential problems.
Assets to Sales (%) (Total Assets(including Intagibles) / Turnover) x 100 This correlates sales with the total investment that is used to generate those sales. By comparing a company's ratio with industry norms it can be be determined whether the business is overtrading or conversely, carrying more assets than needed for its sales volume.

Abnormally low ratios can indicate overtrading which may lead to financial difficulties if not corrected. Extremely high ratios can be the result of a too conservative management or too low a level of turnover.
Profit Margin (%) (Profit before Tax / Turnover) x 100 This reveals the profits earned per pound of sales and therefore measures the efficiency of the operation.

This ratio is an indicator of the business'ability to withstand adverse conditions such as falling prices, rising costs or declining sales
Shareholders' Return (%) (Profit before Tax / Tangible Net Worth*) x 100 This ratio is used to analyse the ability of the company's management to realise an adequate return on the capital invested by the owners of the business. There is a tendency to look increasingly to this ratio as a final measure of profitability.

Generally, a relationship of at least 10% is regarded as desirable for providing dividends plus funds for future growth.
Return on assets (%) (Profit before Tax / Total Assets) x 100 This is the key indicator of profitability for a company it matches operational profits with the assets available to earn a return.

Companies using their assets efficiently will have a relative high return while less well run businesses will have a relatively low return
Sales per Employee (000) Turnover / Employees This gives an indication of the efficiency of the labour force. This ratio will vary considerable from industry to industry
Profit per Employee (000) Profit before Tax / Employees This ratio gives a guide as to how effectively the labour force is utilised, and is the best way to measure productivity of labour investment

Glossary of Legal Forms

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Glossary of Legal Forms

Legal Form Legal Form (local)
Charters Companies Statutsabiedribas
Joint Stock Co Akciju sabiedriba AS
Unlimited company Sabiedriba ar pilnu atbildibu
Limited liability company: Not available
Limited liability company Sabiedriba ar ierobežotu atbildibu SIA
Share company Paju sabiedriba PS
Co-operative co Kooperativa sabiedriba KOU
Co-operative organization Kooperativo sabiedribu savieniba
Agreements companies Ligumsabiedribas
Incorporated Co Ligumsabiedriba ar pilnu atbildibu LPA
Commandit Co Komanditsabiedriba KS
Privately – owned enterprise Individualais uznemums IU
Individual businessman Individualais komersants IK
Family enterprise Gimenes uznemums GU
Farm Enterprise Zemnieku saimnieciba ZS
Fish enterprise Zvejnieku saimnieciba ZvS
State Enterprise Valsts Uznemums VU
Municipal enterprise Pasvaldibas uznemums PS
Social organization Sabiedriskas organizacijas uznemums SO
Religious organization Religiskas organizacijas uznemums RO
Foreign co representation Arvalstu uznemuma pastaviga parstavnieciba

Glossary of Currencies

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Glossary of Currencies

Abbrev. Currency Name Abbrev. Currency Name
AMD Armenian Dram LAT Latvian Lats
AZM Azerbaijani Manat (Old) LEI Romanian Lei (Old)
AZN Azerbaijani Manat (New) LEK Albanian Lek
BAM Bosnia-Herzegovina Convertible Mark LEV Bulgarian Levs
BLR Belarusian Rouble LTS Lithuanian Litas
RSD Serbian Dinar MAL Maltese Lira
CYL Cypriot Pounds MLL Moldovan Leu
DRA Greek Drachma RON Romanian Lei (New)
EUR Euro ROU Russian Roubles
EEK Estonian Kroon TJS Tajik Somoni
GBL Gibraltan Pounds TKM Turkmen Manat
GEL Georgian Lari TUL Turkish Lira (old)
HRD Croatian Dinar UKL Pounds Sterling UK
HRK Croatian Kuna USD U S Dollars
HRY Ukrainian Hryvnia UZS Uzbekistani Sum
IKR Icelandic Krona YTL Turkish Lira (new)
KYS Kyrgyzstani Som YUD Yugoslavian Dinar
KZT Kazakhstani Tenge ZWD Zimbabwe Dollars

Confidentiality

CONFIDENTIAL....THIS INFORMATION IS PROVIDED BY D&B EUROPE LTD SUBJECT TO THE TERMS AND CONDITIONS OF YOUR SUBSCRIPTION CONTRACT AND IS NOT TO BE DISCLOSED.

  This report is forwarded to the Subscriber in strict confidence for the use by the Subscriber as one factor to consider in connection with credit and other business decisions. This report contains information compiled from information which Dun & Bradstreet does not control and which has not been verified unless otherwise indicated in this report. Dun & Bradstreet therefore cannot accept responsibility for the accuracy, completeness or timeliness of the report. Dun & Bradstreet disclaims all liability for any loss or damage arising out of or in anyway related to the contents of this report.

COPYRIGHT 2013 DUN & BRADSTREET. THIS REPORT MAY NOT BE REPRODUCED IN WHOLE OR IN PART IN ANY FORM OR MANNER WHATSOEVER.
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