PERMATA ILTIZAM SDN BHD-SME Score

Strictly Confidential
Report No. : CM-3358-20230130153012

Attention : ctosbcr_int (CTOS : Business Case Review - One-off
Account
Date
: CTOSBCR00 (CTOS : Business Case Review - One-off
: 2023-01-30 15:30:12
CTOS SCORE REPORT
Tel : -
A: SNAPSHOT
ID Verification
Company Name (Your input) PERMATA ILTIZAM SDN. BHD.
Registration No (Your input) 0529006
Company Name PERMATA ILTIZAM SDN. BHD.
Registration No (Old/ New) 0529006V/ 200001026399
Registration Date 14-10-2000
LIMITED BY SHARES
Type of Company
PRIVATE LIMITED
6623 & 6627, JALAN MENGKUANG,12200
Registration Address 213
BUTTERWORTH,PULAU PINANG
NO.14A, LORONG MAJU 2 TAMAN HAJI
Business Address ABDULLAH FAHIM KEPALA BATAS 13200
Factors that influence the Score
PULAU PINANG
MECHANICAL AND ELECTRICAL ENGINEERING, 1. Delinquency on business accounts
CLEANING SERVICES, PUBLISHING AND 2. Time since business delinquency is too recent or
BROADCASTING, PHOTOGRAPHY AND FILM, unknown
CAMERA AND ACCESSORIES, PHOTOGRAPHIC
Business Sector 3. Proportion of balance to limit on business
PROCESSING EQUIPMENT, MICROFILM, FILM
revolving/charge accounts on the credit report
READY FOR SHOW, SUPPLYING FOOD, is too high relative to the other applicants
COMMUNICATION AND INFORMATION scored
TECHNOLOGY,
4. Too many recent business inquiries
46522 - Wholesale of electronic components
and wiring accessories
MSIC
43219 - Electrical installation n.e.c. CTOS Litigation Index
43211 - Electrical wiring and fittings
Company Status EXISTING 0000
Ref No -
Financials and Shareholders 9999 0000

Last Updated 30-01-2023 Index Description
00 Clean
Exempt Private Company No
0 Not applicable
Previous Name Change -
0 Number of records
Revenue (RM) 5,782,820.00
Profit After Tax (RM) 560,746.00
Section Summary
Total Assets (RM) 6,483,050.00
CTOS Others
Paid-Up Capital (RM) 1,000,000.00
Section ID SSM BPH LGL TR IL
Total Company Charges 1,850,964.80
Selected
MOHD ROSLI BIN HUSAIN
Directorship
MOHAMAD NAZRAN BIN ABDULLAH Available A B C - - -
MOHAMAD NAZRAN BIN ABDULLAH

Top 5 Shareholders Notes on various sections
MOHD AZRUL ZEFRI BIN MOHD BASRI
- ID refers to data from CTOS' identify database
- SSM refers to data from Suruhanjaya Syarikat Malaysia
- BPH refers to data from Bank Negara Malaysia
- LGL refers to data from CTOS' litigation database
- TR refers to trade reference data submitted by merchants
- IL refers to your own internal list (if provided to CTOS)
DISCLAIMER: This CTOS SME Score Report may not be reproduced in whole, in part or in any other manner. This report is provided in strict confidence for your personal user only. This report contains
information compiled from data sources which CTOS does not control and which may not have been verified unless otherwise stated in this report.
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Credit Info at a Glance

Credit Info Source Entity Related Parties
Newspaper/
Winding Up / Bankruptcy Proceedings Record NO NO
Gazette
Legal records in past 24 months 0 0
(personal capacity)
NO
- Number
- Value 0 0
Legal records in past 24 months 0 0

(non-personal capacity)
NO
- Number
- Value 0 0
Availability of Legal Records BNM NO NO
Special Attention Accounts BNM NO NO
Outstanding credit facilities 4 0

- Number
BNM 688,742.00 0.00
- Value
- Installments in arrears in past 12 months YES NO
Credit applications in past 12 months

0 0
- Total
BNM 0 0
- Approved
0 0
- Pending
eTR Plus at a Glance

No Information Available
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B: COMPANY PROFILE
1. LAST UPDATED: 30-01-2023
Company Name PERMATA ILTIZAM SDN. BHD. (0529006V/ 200001026399)
Registration Date 14-10-2000
Registered Address 6623 & 6627, JALAN MENGKUANG,12200 BUTTERWORTH,PULAU PINANG
MECHANICAL AND ELECTRICAL ENGINEERING, CLEANING SERVICES, PUBLISHING AND
BROADCASTING, PHOTOGRAPHY AND FILM, CAMERA AND ACCESSORIES, PHOTOGRAPHIC
Business Sector
PROCESSING EQUIPMENT, MICROFILM, FILM READY FOR SHOW, SUPPLYING FOOD,
COMMUNICATION AND INFORMATION TECHNOLOGY,
Company Status EXISTING
Auditor NORHASHIMAH & PARTNERS
Financial Year End 31/12/2021
Remark -
ADDRESS RECORDS
ADDRESS LAST UPDATED SOURCE
6623 & 6627, JALAN MENGKUANG,12200 BUTTERWORTH,PULAU PINANG 30-01-2023 SSM
NO.14A, LORONG MAJU 2 TAMAN HAJI ABDULLAH FAHIM KEPALA BATAS 13200
30-01-2023 SSM
PULAU PINANG
NO 14A, LORONG MAJU 2, TAMAN HAJI ABDULLAH FAHIM, KEPALA BATAS, PULAU,
09-07-2021 BNM
PULAU PINANG
NO 14A LORONG MAJU 2, TAMAN HAJI ABDULLAH FAHIM, 13200 KEPALA BATAS,
03-03-2021 BNM
PULAU PINANG, PULAU PINANG
PULAU PINANG 07-01-2021 BNM
SHARE CAPITAL
Total Issued (RM) 1,000,000.00
Type Cash Otherwise than Cash Total Issued Capital
Ordinary 1,000,000.00 0.00 1,000,000.00
Preference 0.00 0.00 0.00
Others 0.00 0.00 0.00
DIRECTORS / OFFICERS
Date of Date of
Name Residential Address New ID No Old IC No Designation
Appointment Resignation
2216 TINGKAT SUNGAI
MOHD ROSLI BIN HUSAIN GELUGOR 1, 11700 540404075031 - DO 19-01-2011 -
GELUGOR, PULAU PINANG
NO. 8, LORONG RUPAWAN
MOHAMAD NAZRAN BIN ABDULLAH 6, TAMAN RUPAWAN, 13200
990726025545 - DS 18-08-2017 -
KEPALA BATAS, PULAU
PINANG
6623, JALAN MENGKUANG,
LEE PHAY CHEANG 12200 BUTTERWORTH, 700308075111 - SC 01-08-2012 -
PULAU PINANG
SHAREHOLDERS
Shareholding Shareholding (%)

Name Address BR / New ID No LC / Old IC No
(Shares)
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SHAREHOLDERS
Shareholding Shareholding (%)

Name Address BR / New ID No LC / Old IC No
(Shares)
NO. 8, LORONG RUPAWAN
MOHAMAD NAZRAN BIN 6, TAMAN RUPAWAN,
990726025545 - 950,000.00 95.00
ABDULLAH 13200 KEPALA BATAS,
PULAU PINANG
MOHD AZRUL ZEFRI BIN MOHD
- 860525265627 - 50,000.00 5.00
BASRI
COMPANY CHARGES
Note: U=Unsatisfied; S=Fully Satisfied; R=Fully Released; P=Partly Released
No Amount Created Date Status Chargee

BANK PERUSAHAAN KECIL & SEDERHANA MALAYSIA
1. 1,275,964.80 23-02-2012 S
BHD
2. OPEN CHARGE 24-09-2012 S CIMB BANK BHD
3. 575,000.00 26-08-2019 U BANK ISLAM MALAYSIA BHD
Note: Total Company Charges (RM): 1,850,964.80
FINANCIAL HIGHLIGHTS
Financial Year End 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017
Date of Tabling 28-12-2022 29-11-2021 30-10-2020 29-06-2019 30-06-2018
NORHASHIMAH & NORHASHIMAH & NORHASHIMAH & NORHASHIMAH & GW SOON &
Auditor PARTNERS PARTNERS PARTNERS PARTNERS PARTNERS
TINGKAT 1, 6627,
24 B, LEBUH 24 B, LEBUH
24 B, LEBUH 24 B, LEBUH JALAN MENGKUANG,
BUCKINGHAM, 10200, BUCKINGHAM, 10200,
Auditor Address BUCKINGHAM, 10200, BUCKINGHAM, 10200,
GEORGETOWN, GEORGETOWN,
12200,
GEORGETOWN GEORGETOWN BUTTERWORTH,
PULAU PINANG PULAU PINANG
PULAU PINANG
Exempt Private Company - - - - -
Unqualified Reports (Y/N) Y Y Y Y N
Consolidated Accounts (Y/N) N N N N N
Balance Sheet
Non-current Assets 77,118.00 101,699.00 15,672.00 18,147.00 23,666.00
- Fixed Assets 0.00 0.00 0.00 0.00 0.00
- Other Assets 0.00 0.00 0.00 0.00 0.00
Current Assets 6,405,932.00 4,286,151.00 3,192,828.00 3,079,678.00 3,666,028.00
Total Assets 6,483,050.00 4,387,850.00 3,208,500.00 3,097,825.00 3,689,694.00
- YoY Growth 47.75% 36.76% 3.57% -16.04% -
Non-current Liabilities 372,267.00 396,257.00 0.00 0.00 0.00
Working Capital 2,412,801.00 1,851,464.00 1,273,353.00 1,062,295.00 1,000,904.00
Current Liabilities 3,993,131.00 2,434,687.00 1,919,475.00 2,017,383.00 2,665,124.00
Long Term Liabilities 0.00 0.00 0.00 0.00 0.00
Total Liabilities 4,365,398.00 2,830,944.00 1,919,475.00 2,017,383.00 2,665,124.00
- YoY Growth 54.20% 47.49% -4.85% -24.30% -
Share Capital 1,000,000.00 1,000,000.00 1,000,000.00 1,000,000.00 1,000,000.00
Share Premium & Reserve 0.00 0.00 0.00 0.00 0.00
Retained Earning 1,117,652.00 556,906.00 289,025.00 80,442.00 24,570.00
Minority Interests 0.00 0.00 0.00 0.00 0.00
Net Worth (TA – TL) 2,117,652.00 1,556,906.00 1,289,025.00 1,080,442.00 1,024,570.00
- YoY Growth 36.02% 20.78% 19.31% 5.45% -

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Financial Year End 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017

Income Statement
Revenue 5,782,820.00 5,666,131.00 7,078,291.00 5,721,256.00 5,202,394.00
- YoY Growth 2.1% -20.0% 23.7% 10.0% -
Profit / (loss) Before Tax 743,999.00 340,634.00 317,954.00 102,141.00 321,467.00
- YoY Growth 118.42% 7.13% 211.29% -68.23% -
Profit / (loss) After Tax 560,746.00 267,881.00 208,583.00 55,872.00 164,843.00
- YoY Growth 109.33% 28.43% 273.32% -66.11% -
Net dividend 0.00 0.00 0.00 0.00 0.00
Minority Interests 0.00 0.00 0.00 0.00 0.00
Liquidity Ratios
Current Ratio 1.60 1.76 1.66 1.53 1.38
Working Capital Days 152.29 119.27 65.66 67.77 70.22
Profitability Ratios
Return On Assets (ROA) [%] 8.65% 6.11% 6.50% 1.80% 4.47%
Return On Equity (ROE) [%] 26.5% 17.2% 16.2% 5.2% 16.1%
PBT Margin [%] 12.9% 6.0% 4.5% 1.8% 6.2%
PAT Margin [%] 9.70% 4.73% 2.95% 0.98% 3.17%
Return on Capital 2.73 3.64 5.49 5.30 5.08
Effeciency Ratios
Current Asset Turnover 0.90 1.32 2.22 1.86 1.42
Total Asset Turnover 0.89 1.29 2.21 1.85 1.41
Non-Current Asset Turnover 74.99 55.71 451.65 315.27 219.83
Working Capital Turnover 2.40 3.06 5.56 5.39 5.20
Leverage Ratios
Gearing Ratio 2.06 1.82 1.49 1.87 2.60
Debt to Asset Ratio [%] 67.00% 65.00% 60.00% 65.00% 72.00%
Debt to Equity Ratio [%] 206.00% 182.00% 149.00% 187.00% 260.00%
Shareholders Equity Ratio 0.33 0.35 0.40 0.35 0.28
Other Ratios
Dividend Pay-out Ratio 0.00 0.00 0.00 0.00 0.00
Earnings per Share 0.56 0.27 0.21 0.06 0.16
Dividend per Share 0.00 0.00 - - -

* The figures provided under the CCM’s computer printout search are indicative only and do not necessarily balance.
SHAREHOLDING
C1: BANKING PAYMENT RECORDS (SOURCE: CCRIS, BANK NEGARA MALAYSIA)

CCRIS Entity Key 8287277
Subject Status -
CCRIS SUMMARY
Credit Applications No of Applications Amount Applied
Approved in past 12 months 1 325,000.00
Pending 0 -
Summary of Potential & Current Liabilities Outstanding Total Limit FEC Limit
As Borrower 688,742.00 1,057,000.00 -
As Guarantor - - -
Total 688,742.00 1,057,000.00 -
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Legal Action Taken N
Special Attention Account N
CCRIS DETAILS
Loan Information
Total Limit/
Date Prin. Date
Lender Outstanding Installment Col Conduct Of Account For Last 12 LGL
No Date/R&R Sts Capacity Facility Balance Repmt. Status
Type Balance (RM) Amount (RM) Type Months STS
Updated Term Updated
2023 2022
Outstanding Credit J D N O S A J J M A M F
1 28-08-2020 Own CB 107,000.00 30
70
O OHRPCREC 79,483.00 31-12-2022 1,531.00 MTH 2 1 0 2 2 1 2 1 1 1 2
2 27-02-2020 Own CB 325,000.00
O OTLNFNCE 287,581.00 31-12-2022 2,498.00 MTH 70 0 0 0 0 0 0 0 0 0 0 0
70
70
10
3 29-07-2020 Own OTH 300,000.00
O OTLNFNCE 0.00 31-12-2022 5,777.00 MTH 00 0 0 0 0 0 0 0 0 0 0 0
4 29-03-2022 Own CB 325,000.00
O OVRDRAFT 321,678.00 31-12-2022 2,192.00 BUL 70 0 0 0 0 0 0 0
70
70
10
Total
Outstanding 688,742.00 Total Limit: 1,057,000.00
Balance:
Special Attention Account
Credit Application
REMARK LEGEND
FACILITY:
OHRPCREC – Other Hire Purchase Receivables
OTLNFNCE – Other Term Loans/Financing Pinjaman/pembiayaan berjangka lain
OVRDRAFT – Overdraft
LOAN INFOMATION STATUS:

O – Outstanding Belum jelas
CREDIT APPLICATION STATUS:
LEGAL STATUS:
CCRIS DERIVATIVES
Earliest known Date of application 27-07-2001

facility Facility type HRPCSCGD - HIRE PURCHASE FOR SCHEDULED GOODS
# of facilities 3
Total outstanding balance (RM) 688,742.00
Secured facilities
Total outstanding as % of total limit 90%
Average number of installments in arrears 0.7
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# of facilities 1
Total outstanding balance (RM) -
Unsecured facilities
Total outstanding as % of total limit 0%
Average number of installments in arrears 0.0
Credit Card Average Utilisation Last 6 Months 0.00%
Other Revolving
Average Utilisation Last 6 Months 98.91%
Credits
Min Utilisation Last 12 Months (RM) RM -

Charge Card
Max Utilisation Last 12 Months (RM) RM -
PTPTN Number of Accounts 0

Local Lenders Number of Accounts 4
Foreign Lenders Number of Accounts 0
C2: CCRIS SUPPLEMENTARY INFORMATION

ADDRESS INFORMATION
No. Address State Postcode Created Date
NO 14A, LORONG MAJU 2, TAMAN HAJI ABDULLAH FAHIM,
1. KEPALA BATAS, PULAU, PULAU PINANG
PULAU PINANG 13200 09-07-2021
NO 14A LORONG MAJU 2, TAMAN HAJI ABDULLAH FAHIM,

2. 13200 KEPALA BATAS, PULAU PINANG, PULAU PINANG
PULAU PINANG 13200 03-03-2021
3. PULAU PINANG PULAU PINANG 13200 07-01-2021

CONTACT INFORMATION
No. Contact Number Created Date
1. 0194984480 09-07-2021
2. 0134211056 09-07-2021
3. 045751545 09-07-2021
4. 60045758081 03-03-2021
5. 60045751545 03-03-2021
6. 60045757881 03-03-2021
7. 60045756881 03-03-2021
OCCUPATION INFORMATION
No. Occupation Employer From Date To Date Created Date
C3: SISTEM POTONGAN GAJI ANGKASA (SPGA) INFORMATION

Not Selected
D1: LEGAL CASES (SUBJECT AS DEFENDENT)

D2: LEGAL CASES (SUBJECT AS PLAINTIFF)
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D3: AMLA (ANTI MONEY LAUNDERING ACT)

E1: ETR PLUS (NON-BANK PAYMENT HISTORY)

ETR Plus is non-bank payment information shared by third-party sources. It serves as additional information (other than banking payment history) to help in
your credit assessment.
Note: The following information is provided by third-party sources for your reference. Searched Subject will also include transaction(s) that are under
Guarantor capacity. CTOS does not guarantee the accuracy of the information as listed debts may have been settled since recorded.
E2: TRADE REFERENCE

HISTORICAL ENQUIRY
Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
FI 1 0 0 0 0 0 0 0 0 0 0 0
2023 Non-FI 0 0 0 0 0 0 0 0 0 0 0 0
Lawyer 0 0 0 0 0 0 0 0 0 0 0 0
Total 1 0 0 0 0 0 0 0 0 0 0 0
Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
FI 0 1 0 1 0 1 0 0 0 0 1 0
2022 Non-FI 0 0 1 0 0 0 3 0 0 0 0 0
Lawyer 0 0 0 0 0 0 0 0 0 0 0 0
Total 0 1 1 1 0 1 3 0 0 0 1 0
- End of Report -
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PERMATA ILTIZAM SDN BHD-SME Score

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Report No. : CM-3358-20230130153012

Financials and Shareholders 9999 0000

MOHAMAD NAZRAN BIN ABDULLAH

Credit Info at a Glance

Legal records in past 24 months 0 0

Availability of Legal Records BNM NO NO

Special Attention Accounts BNM NO NO

Outstanding credit facilities 4 0

Credit applications in past 12 months

eTR Plus at a Glance

Shareholding Shareholding (%)

Shareholding Shareholding (%)

No Amount Created Date Status Chargee

Date of Tabling 28-12-2022 29-11-2021 30-10-2020 29-06-2019 30-06-2018

Exempt Private Company - - - - -

Unqualified Reports (Y/N) Y Y Y Y N

Consolidated Accounts (Y/N) N N N N N

- Fixed Assets 0.00 0.00 0.00 0.00 0.00

- Other Assets 0.00 0.00 0.00 0.00 0.00

Current Assets 6,405,932.00 4,286,151.00 3,192,828.00 3,079,678.00 3,666,028.00

Total Assets 6,483,050.00 4,387,850.00 3,208,500.00 3,097,825.00 3,689,694.00

- YoY Growth 47.75% 36.76% 3.57% -16.04% -

Non-current Liabilities 372,267.00 396,257.00 0.00 0.00 0.00

Working Capital 2,412,801.00 1,851,464.00 1,273,353.00 1,062,295.00 1,000,904.00

Current Liabilities 3,993,131.00 2,434,687.00 1,919,475.00 2,017,383.00 2,665,124.00

Long Term Liabilities 0.00 0.00 0.00 0.00 0.00

Total Liabilities 4,365,398.00 2,830,944.00 1,919,475.00 2,017,383.00 2,665,124.00

- YoY Growth 54.20% 47.49% -4.85% -24.30% -

Share Capital 1,000,000.00 1,000,000.00 1,000,000.00 1,000,000.00 1,000,000.00

Share Premium & Reserve 0.00 0.00 0.00 0.00 0.00

Retained Earning 1,117,652.00 556,906.00 289,025.00 80,442.00 24,570.00

Minority Interests 0.00 0.00 0.00 0.00 0.00

Net Worth (TA – TL) 2,117,652.00 1,556,906.00 1,289,025.00 1,080,442.00 1,024,570.00

- YoY Growth 36.02% 20.78% 19.31% 5.45% -

Financial Year End 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017

- YoY Growth 2.1% -20.0% 23.7% 10.0% -

Profit / (loss) Before Tax 743,999.00 340,634.00 317,954.00 102,141.00 321,467.00

- YoY Growth 118.42% 7.13% 211.29% -68.23% -

Profit / (loss) After Tax 560,746.00 267,881.00 208,583.00 55,872.00 164,843.00

- YoY Growth 109.33% 28.43% 273.32% -66.11% -

Net dividend 0.00 0.00 0.00 0.00 0.00

Minority Interests 0.00 0.00 0.00 0.00 0.00

Working Capital Days 152.29 119.27 65.66 67.77 70.22

Return On Equity (ROE) [%] 26.5% 17.2% 16.2% 5.2% 16.1%

PBT Margin [%] 12.9% 6.0% 4.5% 1.8% 6.2%

PAT Margin [%] 9.70% 4.73% 2.95% 0.98% 3.17%

Return on Capital 2.73 3.64 5.49 5.30 5.08

Total Asset Turnover 0.89 1.29 2.21 1.85 1.41

Non-Current Asset Turnover 74.99 55.71 451.65 315.27 219.83

Working Capital Turnover 2.40 3.06 5.56 5.39 5.20

Debt to Asset Ratio [%] 67.00% 65.00% 60.00% 65.00% 72.00%

Debt to Equity Ratio [%] 206.00% 182.00% 149.00% 187.00% 260.00%

Shareholders Equity Ratio 0.33 0.35 0.40 0.35 0.28

Earnings per Share 0.56 0.27 0.21 0.06 0.16

Dividend per Share 0.00 0.00 - - -

C1: BANKING PAYMENT RECORDS (SOURCE: CCRIS, BANK NEGARA MALAYSIA)

1 28-08-2020 Own CB 107,000.00 30

O OHRPCREC 79,483.00 31-12-2022 1,531.00 MTH 2 1 0 2 2 1 2 1 1 1 2

2 27-02-2020 Own CB 325,000.00

O OTLNFNCE 287,581.00 31-12-2022 2,498.00 MTH 70 0 0 0 0 0 0 0 0 0 0 0

3 29-07-2020 Own OTH 300,000.00