Cubical Financial Services Limited - Due diligence report

A 360° intelligence report on Cubical Financial Services: trust score, financial health, credit view, compliance, directors, growth and dist…

1990-05-11 Delhi, Delhi Active Listed Active Compliant
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Cubical Financial Services — 360° Intelligence Report

Generated from MCA filings & public records
66/100
Trust Score
Moderate

Cubical Financial Services is assessed as Moderate with a Trust Score of 66/100. Cubical Financial Services is an active public limited indian non-government company incorporated in 1990, operating in the Financial Services 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 low compliance risk and high financial risk profile.

Report generated on 13 Aug 2026 from the latest processed filings. Cubical Financial Services Limited snapshot & full profile →

Financial Health › Weak
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
66/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
35/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
45/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
50/100
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.

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: 45/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.

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: 45/100
NameDIN / PANDesignationAppointedTenureDIN status
ASHWANI KUMAR GUPTA 01234567 Director 01/04/2018 6 yrs Approved
JYOTI CHOUDHARY 01234567 Director 01/04/2018 6 yrs Approved
RUCHI 01234567 Director 01/04/2018 6 yrs Approved
Ruchi 01234567 Director 01/04/2018 6 yrs Approved
SUBHASH KUMAR CHANGOIWALA 01234567 Director 01/04/2018 6 yrs Approved
RAM GOPAL DALMIA 01234567 Director 01/04/2018 6 yrs Approved
PRAKASH CHAND SHARMA 01234567 Director 01/04/2018 6 yrs Approved
  • 7 directors on the board.
  • RAM GOPAL DALMIA has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • 1 director exit(s) in the last 3 years.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2022)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2022 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
1 allotment(s) · 0 transfer(s)

Promoters hold the largest single block of equity - exact percentages are part of the full report.

Key managerial personnel: ASHWANI KUMAR GUPTA (Managing Director) · PRAKASH CHAND SHARMA (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 50
Growth signals & trust indicators
Operating for 36+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Outside liabilities up 38% in a year.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence75/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment56/100
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 view45/100
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 churn warrants questions.
09

MCA Filings & Events Timeline

Latest 15 events
29 Sep 2025
Director ceased
ASHISH BHALA
Last AGM held
Annual general meeting
11 Aug 2025
Director appointed
RAM GOPAL DALMIA (Director)
31 Mar 2025
Latest balance sheet
Filed with ROC
28 Jul 2023
Director appointed
JYOTI CHOUDHARY (Director)
12 Jul 2022
Director appointed
SUBHASH KUMAR CHANGOIWALA (Director)
06 Jun 2019
Director appointed
RUCHI (Company Secretary)
Director appointed
Ruchi (Company Secretary)
Director ceased
MANISHA AGRAWAL
27 Sep 2017
Director ceased
MANOJ JAIN
28 May 2017
Director ceased
NSR PRASAD RAJU
30 Sep 2015
Director ceased
MANJU GOYAL
21 Apr 2015
Director ceased
RAKESH KUMAR
28 May 2014
Director appointed
PRAKASH CHAND SHARMA (CFO)
19 Aug 2013
Director ceased
ANKUR GUPTA
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 financial year(s).
Net profit margin moved from 2.1x to 24%.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
7 active director(s) / partner(s); review board churn before relying on management continuity.
Promoters hold the largest single block of equity as per the FY 2022 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Reliable Finhold Limited U67120DL1995PLC190215 New Delhi, Delhi, India
East India Investment Co Pvt Ltd U65993WB1951PTC019688 Kolkata, West Bengal, India
Moneyratna Integrated Foundation U85300KL2022NPL075738 Vytilla, Kerala, India
Paradise Commercial Private Limited U31900DL1993PTC052324 New Delhi, Delhi, India
K S Vanijya Pvt Ltd U67120AS1992PTC010826 Gmc, Assam, India
Everest Kanto Investment And Finance Private Limited U65990MH1992PTC069869 Mumbai, Maharashtra, India
Harborstone Capital Advisors Private Limited U67190MH1995PTC095060 Mumbai, Maharashtra, India
Pali Commercial Co Ltd L51909WB1981PLC034414 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Cubical Financial Services 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 Cubical Financial Services: 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Cubical Financial Services - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 66/100, distress signals and MSME payment-delay disclosures - know whether Cubical Financial Services 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 Cubical Financial Services - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Cubical Financial Services an active company?

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

Is Cubical Financial Services financially healthy?

Cubical Financial Services has a Financial Health Score of 35/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Cubical Financial Services?

Its overall Trust Score is 66/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Cubical Financial Services?

Promoters hold the largest single block of equity - exact percentages are in the full report. 7 active director(s) are on record.

Does Cubical Financial Services have loans or charges against its assets?

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

Is Cubical Financial Services 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 Cubical Financial Services?

Its Credit Risk Score is 45/100 (Caution Indicated). 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.