Anexa 1

IPOTEZE
Generale
Rata anuala a inflatiei
Rata lunara a inflatiei
Rata impozitului de venit
Cresterea anuala a volumului vanzarilor
Cresterea preturilor la produse/servicii
Numarul de luni in primul an
Marimea rezervelor (% din profit net)

10%
0.80%
15%
6%
10%
8
10%

Credit Bancar
Rata dobanzii creditului
Termenul de creditare, ani
Perioada de gratie la plata dobanzii, luni
Perioada de gratie la suma principala, luni

10.0%
5
6
6

Activitatea Operationala
Viteza de rotatie a stocurilor (cu exceptia produselor finite), zile
Viteza de rotatie a storurilor de produse finite, zile
Viteza de rotatie a creantelor, zile
Viteza de rotatie a datoriilor comerciale, zile

10
10
10
10

CONSUMURI SI CHELTUIELI

Anexa 2

Consumuri directe pe unitate (Ton), MDL (include TVA)

brichete

materie prim
energie electric
saci
a
band lipici
altele

275.00
216.5625
90.0
10.8
4.8
3.93
601.09

TOTAL

0.00

0.00

0.00

0.00

0.00

0.00

Planul Lunar de Producere, (Tone)

ian
107.25

brichete

feb
107.25

mar
107.25

apr
32.175

mai
32.175

iun

iul

aug
214.5

sep
214.5

oct
214.5

nov
214.5

dec
107.25

Planul Anual de Producere, unitati

Cresterea anuala
6%

brichete

2012

2013
965

2014
1,351

2015
1,432

2016
1,518

1,609

Consumuri directe de materiale, MDL

Inflatia
materie prim
energie electric
saci
a
band lipici
altele
TOTAL

10%
10%
10%
10%
10%
10%

TVA, %
17%
17%
17%
17%
17%
17%

2012
265,444
209,037
86,873
10,425
4,633
3,793
580,205

2013
incl. TVA
44,242
34,840
14,479
1,737
772
632
96,703

408,783
321,917
133,784
16,054
7,135
5,842
893,515

2014
incl. TVA
68,132
53,654
22,298
2,676
1,189
974
148,922

476,641
375,355
155,992
18,719
8,320
6,812
1,041,838

2015
incl. TVA
79,442
62,560
25,999
3,120
1,387
1,135
173,643

555,764
437,664
181,886
21,826
9,701
7,942
1,214,784

2016
incl. TVA
92,629
72,945
30,315
3,638
1,617
1,324
202,468

648,021
510,316
212,080
25,450
11,311
9,261
1,416,438

incl. TVA
108,006
85,054
35,347
4,242
1,885
1,543
236,078

Cheltuieli indirecte, MDL

Inflatia
Articole de cancelarie
Servicii telefonice
ntreinerea i reparaia mijl. fixe
Energie electric (comun)
Servicii bancare, potale, notariale
Obiecte de mic valoare
Ap
Alte cheltuieli indirecte
TOTAL

10%
10%
10%
10%
10%
10%
10%
10%

TVA, %
17%
17%
17%
17%
17%
17%
17%
17%

2012

2013
incl. TVA

1,400
1,610
370
840
770
490
5,480

233
268
62
140
128
82
913

2,400
2,760
634
1,440
1,320
840
9,394

2014
incl. TVA
400
460
106
240
220
140
1,566

2,640
3,036
697
1,584
1,452
924
10,333

2015
incl. TVA
440
506
116
264
242
154
1,722

2016
incl. TVA

2,904
3,340
767
1,742
1,597
1,016
11,366

484
557
128
290
266
169
1,894

incl. TVA
3,194
3,674
843
1,917
1,757
1,118
12,503

532
612
141
319
293
186
2,084

Total 2012
965

An complet
1,351

CONSUMURI SI CHELTUIELI

Anexa 2

Cheltuieli comerciale, MDL

Inflatia
Cheltuieli de ambalare
Cheltuieli de transport
Cheltuieli de promovare
Alte cheltuieli comerciale
TOTAL

2012

TVA, %

10%
10%
10%
10%

2013
incl. TVA

17%
17%
17%
17%

2,411
840
3,251

402
140
542

4,133
1,440
5,573

2014
incl. TVA
689
240
929

Uzura anuala, MDL

TVA, %
mijloace fixe

Cost

17%
TOTAL

incl. TVA

760,500

126,753

760,500

126,753

Termen expl,
ani

Valoarea
ramasa, lei

20

Uzura

38,025

29,786

38,025

29,786

Cheltuieli de munca (pe an), MDL

# pers.

salariu net lunar

salariu brut lunar

Total an

Directe
Lucrtori (10 luni)

2,800

19,264

Lucrtori (3 luni)

2,800

19,264

57,792

38,528

250,432

Sub-total

192,640

Indirecte
Director

Tehnolog

Deridictoare

Paznic

6,880

82,560

Administrator

4,000

Sub-total
Total:
Cheltuieli privind taxe, MDL
anual
Licen
Taxa pentru ap
Folosirea resurselor naturale
Impozitul privat
Taxa de folosire a drumurilor
Impozitul funciar
Impozitul pe bunurile imobiliare
Amenajarea teritoriului
Taxa pentru salubruzare
Taxa unit. comer
Alte taxe
TOTAL

120

380
4,500
3,870
450
180
1,350
10,850

6,880

82,560

45,408

332,992

4,546
1,584
6,130

2015
incl. TVA
758
264
1,022

2016
incl. TVA

5,001
1,742
6,743

833
290
1,124

incl. TVA
5,501
1,917
7,417

917
319
1,236

PROGNOZAREA VANZARILOR

Anexa 3

Prognozarea Vanzarilor lunare, inclusiv TVA

Pret unit, lei
brichete

1,600.00
TOTAL

ian

feb

mar

apr

mai

iun

iul

aug

sep

oct

nov

dec

343,200

343,200

343,200

343,200

171,600

1,544,400

343,200

343,200

343,200

343,200

171,600

1,544,400

Prognozarea Vanzari anuale (5 ani)

Crestere pe an

TVA

2012

2013

incl. TVA
brichete

10%
TOTAL

Total 2012

17%

2014
incl. TVA

2015

incl. TVA

2016

incl. TVA

incl. TVA

1,544,400

257,405

2,378,376

396,404

2,773,186

462,207

3,233,535

538,933

3,770,302

628,396

1,544,400

257,405

2,378,376

396,404

2,773,186

462,207

3,233,535

538,933

3,770,302

628,396

Anexa 4

GRAFICUL DE RAMBURSARE A CREDITULUI

760,500
120,000
640,500

Marimea creditului solicitat, lei

Marimea grantului, lei

Marimea creditului purtator de dobanda, lei

10.0%

Dobanda
Termenul de creditare, ani
Perioada de gratie la suma principala, luni
Perioada de gratie la plata dobanzii, luni
Fregventa rambursarii sumei principale (lunar=1, trimestr=3, semianual=6, etc.)

Fregventa rambursarii dobanzii

Luna

Principal

Dobanda

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861

5,931
5,832
5,733
5,634
5,535
5,436
5,338
5,239
5,140
5,041
4,942
4,843
4,744
4,646
4,547
4,448
4,349
4,250
4,151
4,053
3,954
3,855
3,756
3,657

Sold

5
6
6
1
lunar

Luna

640,500
640,500
640,500
640,500
640,500
640,500
640,500
628,639
616,778
604,917
593,056
581,194
569,333
557,472
545,611
533,750
521,889
510,028
498,167
486,306
474,444
462,583
450,722
438,861
427,000
415,139
403,278
391,417
379,556
367,694
355,833

31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
-

2012
Plata dobanzii
Plata sumei
principale

2013

2014

Principal

Dobanda

11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
11,861
-

3,558
3,459
3,361
3,262
3,163
3,064
2,965
2,866
2,768
2,669
2,570
2,471
2,372
2,273
2,175
2,076
1,977
1,878
1,779
1,680
1,581
1,483
1,384
1,285
1,186
1,087
988
890
791
692
-

2015

2016

Sold

355,833
343,972
332,111
320,250
308,389
296,528
284,667
272,806
260,944
249,083
237,222
225,361
213,500
201,639
189,778
177,917
166,056
154,194
142,333
130,472
118,611
106,750
94,889
83,028
71,167
59,306
47,444
35,583
23,722
11,861
(0)
(0)

2017

11,762

62,271

48,038

33,804

19,571

3,361

23,722

142,333

142,333

142,333

142,333

47,444

Anexa 5

REZULTATUL FINANCIAL

2012
Vanzari Nete
Costul Vanzarilor
Consumuri directed de materiale
Retribuirea muncii
Profit Brut
Cheltuieli Operationale
Cheltuieli generale si admin
Cheltuieli comerciale
Retribuirea muncii
Uzura
Cheltuieli privind taxe
Dobnzi bancare

Profit pana la Impozitare

Impozit pe profit
Profit Net

2013

2014

2015

2016

1,286,995

1,981,972

2,310,979

2,694,602

3,141,906

676,142
483,502
192,640

1,020,068
744,593
275,475

1,171,218
868,195
303,023

1,345,641
1,012,316
333,325

1,547,018
1,180,360
366,657

610,853

961,904

1,139,761

1,348,961

1,594,888

76,698
4,566
2,709
34,400
12,411
10,850
11,762

206,195
7,828
4,644
90,816
29,786
10,850
62,271

202,290
8,611
5,108
99,898
29,786
10,850
48,038

199,419
9,472
5,619
109,887
29,786
10,850
33,804

197,683
10,419
6,181
120,876
29,786
10,850
19,571

534,155

755,709

937,471

1,149,543

1,397,205

80,123

113,356

140,621

172,431

209,581

454,031

642,353

796,850

977,111

1,187,624

Anexa 6

ian
I
A

feb

mar

apr

mai

aug

sep

oct

nov

dec

343,200

343,200

343,200

343,200

171,600

Sub-total

343,200

343,200

343,200

343,200

171,600

760,500
80,000

840,500
840,500

343,200

343,200

343,200

343,200

171,600

Alte intrari ale mijloacelor banesti

Sub-total
Total intrari (A+B)

iul

brichete

Credite bancare
Contributii proprii

II
C

iun

Intrari mijloace banesti

Intrari din vanzari

Consumuri de materiale
Retribuirea muncii

116,041
38,528

116,041
38,528

116,041
38,528

116,041
38,528

116,041
38,528

Sub-total

154,569

154,569

154,569

154,569

154,569

Cheltuieli generale si administrative

Cheltuieli comerciale
Retribuirea muncii
Cheltuieli privind taxe

1,096
650
6,880
-

1,096
650
6,880
-

1,096
650
6,880
-

1,096
650
6,880
-

1,096
650
6,880
10,850

Sub-total

8,626

8,626

8,626

8,626

19,476

Iesiri mijloace banesti

Consumuri directe

Cheltuieli indirecte

Procurarea mijloacelor fixe

Alte cheltuieli ale ntreprinderii

760,500

Cheltuieli privind TVA

Impozitul pe profit
Alte plati

Sub-total
G

H
I
J

32,495
80,123

112,618

Plata dobanzii la creditul investiional

Rambursarea creditul investiional

5,931
11,861

5,832
11,861

Sub-total
Total iesiri (C+D+E+F+G)

760,500

163,195

163,195

163,195

17,792
180,987

17,693
304,356

Flux monetar net ( I-II )

Bilantul de deschidere
Bilantul de inchidere ( H+I )

80,000
80,000

80,000
80,000

80,000
80,000

180,005
80,000
260,005

180,005
260,005
440,010

180,005
440,010
620,015

162,213
620,015
782,228

(132,756)
782,228
649,473

Rambursarea creditelor

Anexa 6

Total (2012)

1,544,400

1,544,400

760,500
80,000

840,500
2,384,900

580,205
192,640

772,845

5,480
3,251
34,400
10,850

53,980
760,500

32,495
80,123

112,618

11,762
23,722

35,484
1,735,427
649,473
649,473

Anexa 7

FLUXUL MONETAR (5 ani)

2012
I
A

1,544,400
1,544,400

brichete

Sub-total
B

760,500
80,000
840,500

Contributii proprii

Total intrari (A+B)

Retribuirea muncii

Sub-total

Cheltuieli comerciale
Retribuirea muncii
Cheltuieli privind taxe

Sub-total

Procurarea mijloacelor fixe

2,773,186
2,773,186

3,233,535
3,233,535

3,770,302
3,770,302

2,378,376

2,773,186

3,233,535

3,770,302

580,205
192,640
772,845

893,515
275,475
1,168,990

1,041,838
303,023
1,344,861

1,214,784
333,325
1,548,109

1,416,438
366,657
1,783,095

5,480
3,251
34,400
10,850
53,980

9,394
5,573
90,816
10,850
116,632

10,333
6,130
99,898
10,850
127,211

11,366
6,743
109,887
10,850
138,847

12,503
7,417
120,876
10,850
151,646

Alte cheltuieli ale ntreprinderii

Impozitul pe profit
Alte plati

Sub-total

32,495
80,123
112,618

244,987
113,356
358,344

285,820
140,621
426,441

333,447
172,431
505,878

388,998
209,581
598,579

11,762
23,722
35,484
1,735,427

62,271
142,333
204,604
1,848,570

48,038
142,333
190,371
2,088,883

33,804
142,333
176,138
2,368,971

19,571
142,333
161,904
2,695,225

649,473
649,473

529,806
649,473
1,179,278

684,303
1,179,278
1,863,581

864,564
1,863,581
2,728,145

1,075,077
2,728,145
3,803,223

32,495

244,987

285,820

333,447

388,998

Rambursarea creditelor
Plata dobanzii la creditul investiional
Rambursarea creditul investiional

Sub-total
Total iesiri (C+D+E+F+G)
H
I
J

2,378,376
2,378,376

2,384,900

760,500

Cheltuieli privind TVA

2016

Cheltuieli indirecte
Cheltuieli generale si administrative

2015

Iesiri mijloace banesti

Consumuri directe
Consumuri de materiale

2014

Alte intrari ale mijloacelor banesti

Credite bancare

II
C

2013

Intrari mijloace banesti

Intrari din vanzari

Flux monetar net ( I-II )

Bilantul de deschidere
Bilantul de inchidere ( H+I )
TVA spre achitare

Anexa 8

BILANT (5 ani)

Bilant deschidere

Active pe Termen Lung

Mijloace fixe
Uzura mijloacelor fixe
Total active pe termen lung
Active Curente
Stocuri de marfuri si materiale
Produse finite
Creante pe termen scurt
TVA de recuperat
Mijloace banesti
Total active curente
TOTAL ACTIV

Capital Propriu
Capital statutar
Capital secundar
Profit nerepartizat al anilor precedenti
Profit nerepartizat (anul curent)
Total capital propriu
Datorii pe Termen Lung
Subventii conditionate (grant)
Credite pe termen lung
Total datorii pe termen lung
Datorii pe Termen Scurt
Datorii comerciale
Alte datorii pe termen scurt
Total datorii pe termen scurt
TOTAL PASIV

12/31/2012

12/31/2013

12/31/2014

12/31/2015

12/31/2016

633,747
12,411
621,337

633,747
42,197
591,550

633,747
71,983
561,764

633,747
101,769
531,978

633,747
131,555
502,192

22,229
22,229
42,312
649,473
736,244

32,027
32,027
65,161
1,179,278
1,308,493

36,846
36,846
75,978
1,863,581
2,013,250

42,414
42,414
88,590
2,728,145
2,901,563

48,852
48,852
103,296
3,803,223
4,004,222

1,357,580

1,900,044

2,575,014

3,433,541

4,506,414

80,000
454,031
534,031

125,403
408,628
642,353
1,176,384

189,638
986,746
796,850
1,973,235

269,323
1,703,911
977,111
2,950,346

367,035
2,583,311
1,187,624
4,137,970

120,000
616,778
736,778

120,000
474,444
594,444

120,000
332,111
452,111

120,000
189,778
309,778

120,000
47,444
167,444

22,229
64,542
86,771

32,027
97,188
129,215

36,846
112,823
149,669

42,414
131,004
173,418

48,852
152,148
201,000

1,357,580

1,900,044

2,575,014

3,433,541

4,506,414

Anexa 9

3,500,000
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
-

Vanzari Nete
Costul Vanzarilor

Profit Net

2012

2013

2014

2015

2016

Deservirea datoriei, lei

5,000,000
4,000,000

Numerar p/u
deservirea datoriei

3,000,000
2,000,000

Dobanda + suma
principala

1,000,000
2012

2013

2014

2015

2016

Anexa 10

SUMMARY OF FINANCIAL DATA

4.1

Financial Statements: Attached are the last financial statements, dated: [data]

4.2
Projections: Projections based on the Business plan prepared by applicant with support from [NUMELE
AGENTIEI] and on the actual financial data on the date of application.

4.3

Financial Summary Chart

Year (000 MDL)

Profit and Loss Account
Total revenues
Net profit (loss) after tax
Income taxes
Balance sheet
Total assets
- Fixed assets
- Current assets
Total Equity & Liabilities
- Paid in Equity
- Reserves & Retained Earnings
- Long term debt
- Short term debt
Key ratio calculations:
Depreciation Expense
Interest Expense
Principal Payments
- Debt-service-coverage ratio
Total Debt / Total Equity =
Total Debt / Total Equity less Intangible Assets

Actual

II-year
III-year
IV-year
V-year
I-year
prections projections projections projections projections
1,287.0
454.0
80.1

1,982.0
642.4
113.4

2,311.0
796.9
140.6

2,694.6
977.1
172.4

3,141.9
1,187.6
209.6

1357.6
621.3
736.2
1,277.6
120.0
454.0
616.8
86.8

1900.0
591.6
1,308.5
1,900.0
120.0
1176.4
474.4
129.2

2575.0
561.8
2,013.3
2,575.0
120.0
1973.2
332.1
149.7

3433.5
532.0
2,901.6
3,433.5
120.0
2950.3
189.8
173.4

4506.4
502.2
4,004.2
4,506.4
120.0
4138.0
47.4
201.0

12.4
11.8
23.7
13.48

29.8
62.3
142.3
3.59

29.8
48.0
142.3
4.59

29.8
33.8
142.3
5.91

29.8
19.6
142.3
7.64

1.23

0.47

0.23

0.12

0.06

Anexa 11

ANALIZA INDICATORILOR FINANCIARI

2012
Indicatorii profitabilitatii
Rentabilitatea investitiei
Marja bruta (%)
Rata profitabilitatii

Indicatorii lichiditatii
Lichiditatea curenta
Lichiditatea imediata

Deservirea datoriei
Indicele de acoperire a dobanzii
Indice de deservire a datoriei

Termen de recuperare, ani

Rata intern de rentabilitate, %

(profit net) / (costul investitiei)

(profit brut) / ( vanzari nete)
(profit net) / (vanzari nete)

(active curente) / (datorii termen scurt)

(mijloace banesti) / (datorii termen scurt)

(profit brut) / (suma dobanzii)

(numerar din activitatea operationala) /
(dobanda+suma principala)

TR
RIR

54%
47%
35%

2013
76%
49%
32%

2014
95%
49%
34%

2015

2016

116%
50%
36%

141%
51%
38%

8.48
7.48

10.13
9.13

13.45
12.45

16.73
15.73

19.92
18.92

51.93

15.45

23.73

39.91

81.49

17.05

3.59

4.59

5.91

7.64

1.2
73.94%