Cred Foundation - Due diligence report

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

2022-07-18 Bengaluru, Karnataka Active Unlisted
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Cred — 360° Intelligence Report

Generated from MCA filings & public records
88/100
Trust Score
Low Risk

Cred is assessed as Low Risk with a Trust Score of 88/100. Cred is an active private not for profit company incorporated in 2022, operating in the Non-Profit Organizations sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a low compliance risk and low financial risk profile.

Report generated on 10 Jul 2026 from the latest processed filings. Cred Foundation snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
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 ScoreLow Risk
88/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 1 filed year(s)

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

Get full access

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: 60/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 100/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
KUNAL NARESH SHAH 01234567 Director 01/04/2018 6 yrs Approved
ROHAN SHAH NARESH 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • No disqualified or deactivated DINs.
  • Stable board - no exits in 3 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
-

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Young company (3 years).
Active EPFO - real payroll on record.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence93/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment76/100
Favourable lending indicators
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 view50/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 5 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
18 Jul 2022
Incorporated
Registered with Roc Bangalore
Director appointed
KUNAL NARESH SHAH (Director)
Director appointed
ROHAN SHAH NARESH (Director)
10

Key Observations

Auto-generated from the data above
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
EPFO-registered employer - verifiable payroll history exists.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sparsh Social Foundation U85300DL2019NPL351887 New Delhi, Delhi, India
Astral Foundation U85300GJ2020NPL112779 Ahmedabad, Gujarat, India
Shahani Group U85300MH2007NPL170456 Mumbai, Maharashtra, India
Hira Csr Foundation U85300CT2021NPL011368 Raipur, Chattisgarh, India
Bhilosa Foundation U85300DN2021NPL005678 Silvassa, Dadra & Nagar Haveli, India
Polycab Social Welfare Foundation U85300MH2020NPL336535 Mumbai, Maharashtra, India
Ratan Tata Endowment Foundation U85300DL2022NPL405052 New Delhi, Delhi, India
India Hiv/Aids Alliance U85310DL1999NPL098570 New Delhi, Delhi, India
12

Who Uses This Report

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

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

Company Secretaries (CS)

Track statutory health of Cred: 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: Favourable lending indicators. Credit risk score 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score n/a, margin trends, ownership structure and peer set for Cred - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 88/100, distress signals and MSME payment-delay disclosures - know whether Cred 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 Cred - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Cred an active company?

Cred has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Cred financially healthy?

Cred has a Financial Health Score of 80/100 (Low Risk) based on its filed financial statements.

Should I do business with Cred?

Its overall Trust Score is 88/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Cred?

See the directors and ownership sections above for board and shareholding detail. 2 active director(s) are on record.

Does Cred have loans or charges against its assets?

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

Is Cred up to date with its ROC filings?

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

Is it risky to lend to Cred?

Its Credit Risk Score is 60/100 (Moderate). Banker verdict: Favourable lending indicators.

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.