The General Manager of Moroka Transport Investments approached your bank for a credit facility. The following are ratios for Moroka Transport Investments for the $2023$ financial year.

$$ Working capital to total asset ratio $=14\%$

$$ Retained earnings to total asset ratio $=23\%$

$$ Profit before interest and tax to total assets $=19\%$

$$ Market value of equity to book value of debt $=115\%$

$$ Sales to total assets $=122\%$

Based on Altman$$s Z$-$score, calculate the risk of bankruptcy for Moroka Transport Investments. Briefly comment on the credit decision you make based on the calculated Z$-$score.