Elco Consultants Ltd - Due diligence report

A 360° intelligence report on Elco Consultants Ltd: trust score, financial health, credit view, compliance, directors, growth and distress s…

1981-08-03 Kolkata, West Bengal Active Unlisted
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Elco Consultants Ltd — 360° Intelligence Report

Generated from MCA filings & public records
64/100
Trust Score
Moderate

Elco Consultants Ltd is assessed as Moderate with a Trust Score of 64/100. Elco Consultants Ltd is an active public limited indian non-government company incorporated in 1981, operating in the Financial Services sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a high compliance risk and low financial risk profile.

Report generated on 27 Jun 2026 from the latest processed filings. Elco Consultants Ltd snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Good
Compliance › Neutral

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
64/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
45/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
80/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
90/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
25/100
No active directors on record.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
80/100
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.

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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: 90/100 Low Risk
  • Liabilities ≈ 38% EBITDA - serviceable.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

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

Compliance Score: 45/100 Caution Indicated
  • Company status is Active as per MCA.
  • Last balance sheet is for Oct 2018 - filings overdue.
  • Flagged by authority: FIU.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 25/100
No active directors on record.
06

Ownership & Group Intelligence

As per FY 2017 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
City Holdings Ltd
Subsidiaries
-
Group entities
-
Capital events
-

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

Group entityRelationship% held
City Holdings Ltd Holding Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 80
Growth signals & trust indicators
Operating for 44+ years.
Active GST registration(s).
Distress signals & risk flags
Statutory filings appear overdue.
Compliance score is weak (45/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence61/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 1 distress signal(s) - see Risk Center.
  • 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 gaps should be priced into terms.
Investor view44/100
Limited indicators at present
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 3 events
20 Oct 2018
Latest balance sheet
Filed with ROC
24 Sep 2018
Last AGM held
Annual general meeting
03 Aug 1981
Incorporated
Registered with RoC-Kolkata
10

Key Observations

Auto-generated from the data above
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Mukesh Investments Pvt Ltd U67120MH1987PTC043959 Mumbai, Maharashtra, India
Sanatan Forex Private Limited U67110DL2007PTC167160 New Delhi, Delhi, India
Mahalaxmi Brokerage (India) Private Limited U67120RJ2005PTC020098 Jaipur, Rajasthan, India
Damodar Forex Private Limited U67190GJ2012PTC070683 Baroda, Gujarat, India
Edelweissfin U67120MH2009PTC194273 Mumbai, Maharashtra, India
Shree Luxmi Narayan Trexim Pvt Tld U51909WB1992PTC054995 Kolkata, West Bengal, India
Subh Chintak Commotrade Pvt. Ltd. U17232WB1994PTC066823 Kolkata, West Bengal, India
Advent Vinimay Private Limited U52100WB2010PTC143650 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Elco Consultants Ltd before audits and certifications: compliance score 45/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Elco Consultants 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: Favourable lending indicators. Credit risk score 90/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score n/a, margin trends, ownership structure and peer set for Elco Consultants Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 64/100, distress signals and MSME payment-delay disclosures - know whether Elco Consultants 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 Elco Consultants Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Elco Consultants Ltd an active company?

Elco Consultants Ltd has MCA status “Active” with a compliance score of 45/100 (Caution Indicated).

Is Elco Consultants Ltd financially healthy?

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

Should I do business with Elco Consultants Ltd?

Its overall Trust Score is 64/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Elco Consultants Ltd?

The ultimate holding entity is City Holdings Ltd.

Does Elco Consultants Ltd have loans or charges against its assets?

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

Is Elco Consultants Ltd up to date with its ROC filings?

Last balance sheet is for Oct 2018 - filings overdue. Overall compliance score: 45/100 (Caution Indicated).

Is it risky to lend to Elco Consultants Ltd?

Its Credit Risk Score is 90/100 (Low Risk). 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.