Bfl Unio Ltd - Due diligence report

A 360° intelligence report on Bfl Unio Ltd: trust score, financial health, credit view, compliance, directors, growth and distress signals -…

1991-06-10 Kolkata, West Bengal Active Unlisted Active Compliant
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Bfl Unio Ltd — 360° Intelligence Report

Generated from MCA filings & public records
69/100
Trust Score
Moderate

Bfl Unio Ltd is assessed as Moderate with a Trust Score of 69/100. Bfl Unio Ltd is an active public limited indian non-government company incorporated in 1991, operating in the Consumer Goods sector. Reported revenue has declined across its recent filed years. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and moderate financial risk profile.

Report generated on 11 Aug 2026 from the latest processed filings. Bfl Unio Ltd snapshot & full profile →

Financial Health › Good
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Strong

Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.

02

Score Card

Higher is safer · rule-based & explainable
Trust ScoreModerate
69/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
50/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 5 filed year(s)

Unlock the full 5-year financial dashboard with charts and year-wise figures.

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Scores and observations on this page are already computed from the real filings - only the underlying figures are locked.

04

Credit & Compliance Intelligence

Why the scores are what they are
Credit Risk Score: 50/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 70/100 Moderate
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: MCA.
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
BISWANATH DAS 01234567 Director 01/04/2018 6 yrs Approved
RAMESH CHANDRA RATHI 01234567 Director 01/04/2018 6 yrs Approved
NANDKISHORE BANGUR 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • NANDKISHORE BANGUR has DIN status "Disqualified by RoC u/s 164(2)".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
06

Ownership & Group Intelligence

As per FY 2023 annual return
Promoter holding
64.27%
Public / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
-
Group entities
-
Capital events
-

Promoters hold a minority stake - exact percentages are part of the full report.

Group entityRelationship% held
Aditya Finvest Corporation Ltd Associate Company 74.00%
India Financial Services Limited Associate Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 50 · Distress 75
Growth signals & trust indicators
Latest year revenue grew 38%.
Operating for 35+ years.
Distress signals & risk flags
Losses deepening year-on-year.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence71/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 1 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment58/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • No existing security registered - first-charge position available.
  • Compliance record supports lending.
Investor view58/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 13 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
03 Aug 2021
Director ceased
SURYA NARAYAN PANDEY
26 Apr 2021
Director appointed
NANDKISHORE BANGUR (Additional Director)
10 Nov 2020
Director ceased
KAMAL DAMANI
01 Nov 2020
Director appointed
BISWANATH DAS (Additional Director)
Director ceased
NANDKISHORE BANGUR
28 May 2011
Director ceased
SHIV DAYAL VYAS
30 Sep 2008
Director ceased
RAMESH CHANDRA RATHI
18 Aug 2008
Director appointed
RAMESH CHANDRA RATHI (Director)
Director ceased
BHAGIRATH CHANDAK
29 May 2008
Director ceased
BINA BANGUR
10 Jun 1991
Incorporated
Registered with Roc Kolkata
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 financial year(s).
Debt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
3 active director(s) / partner(s); review board churn before relying on management continuity.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a minority stake as per the FY 2023 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Anu Chit Funds (Andhra) Private Limited U65992TG2009PTC062803 Secunderabad, Telangana, India
Sahara Infrastructure And Housing Limited L45400WB1983PLC035664 Kolkata, West Bengal, India
Viksit Tie-Up Private Limited U51909WB2009PTC131831 Kolkata, West Bengal, India
Muthoot Kuries Private Limited U65999KL2010PTC069796 Thiruvananthapuram, Kerala, India
Vsm Invesements P Ltd U65993TN1995PTC033501 Chennai, Tamil Nadu, India
Panoramic Management & Consulting Private Limited U74999MP2018PTC045770 Gwalior, Madhya Pradesh, India
Insure Finance Capital Private Limited U65990MH2020PTC346276 Mumbai, Maharashtra, India
Budget Builders And Engineers Private Limited U74899DL1990PTC040438 Delhi, Delhi, India
12

Who Uses This Report

CA · CS · Banker · Investor · Vendor
Chartered Accountants (CA)

Verify Bfl Unio Ltd before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Bfl Unio Ltd: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.

Bankers & NBFCs

Current banker verdict: Mixed indicators - deeper appraisal suggested. Credit risk score 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 50/100, margin trends, ownership structure and peer set for Bfl Unio Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 69/100, distress signals and MSME payment-delay disclosures - know whether Bfl Unio Ltd pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (no cases on record), regulatory flags, charge documents trail and director networks for Bfl Unio Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Bfl Unio Ltd an active company?

Bfl Unio Ltd has MCA status “Active” with a compliance score of 70/100 (Moderate).

Is Bfl Unio Ltd financially healthy?

Bfl Unio Ltd has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Bfl Unio Ltd?

Its overall Trust Score is 69/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Bfl Unio Ltd?

Promoters hold a minority stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Bfl Unio Ltd have loans or charges against its assets?

No charges are registered against this company - an unencumbered balance sheet.

Is Bfl Unio Ltd up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).

Is it risky to lend to Bfl Unio Ltd?

Its Credit Risk Score is 50/100 (Moderate). Banker verdict: Mixed indicators - deeper appraisal suggested.

Disclaimer: This report is generated automatically from MCA filings and public records as available in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice. Verify from official sources and consult a qualified professional before any business, lending or investment decision. If you represent this company and believe any information is inaccurate or outdated, report it here and we will review promptly.