Promoter holding
64.27%
ES
Equentia Scf Technologies Private Limited - Due diligence report
A 360° intelligence report on Credable: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…
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Credable — 360° Intelligence Report
Generated from MCA filings & public records77/100
Trust Score
Low Risk
Credable is assessed as Low Risk with a Trust Score of 77/100. Credable is an active private limited indian non-government company incorporated in 2017, 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 moderate financial risk profile.
Report generated on 08 Jul 2026 from the latest processed filings. Equentia Scf Technologies Private Limited snapshot & full profile →
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 & explainableTrust ScoreLow Risk
77/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
78/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
60/100
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.
Get full accessScores 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.
- Working-capital cover adequate.
Charges position: 2 open (1.00 cr) · 2 satisfied (11.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 1 | 48.0 cr |
| The Hongkong And Shanghai Banking Corporation Limited | 3 | 48.0 cr |
Compliance Score: 78/100 Low Risk
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2024).
- 2 auditor resignation(s) filed - latest: Y. K. Desai & Co. on 2022-09-09.
- 4 active GST registration(s).
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Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| RAJIV RAMNARAYAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NIRAV SHAUNAK CHOKSI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAM PRAKASH KEWALRAMANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANDEEP SOMANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 4 directors on the board.
- No disqualified or deactivated DINs.
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2023 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
2
Group entities
2
Capital events
0 allotment(s) · 1 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Equentia Financial Service Private Limited | Subsidiary Company | 74.00% |
| Equentia Financial Technologies Pte. Ltd. | Subsidiary Company | 74.00% |
| Equentia Trade Solutions Private Limited | Subsidiary Company | 74.00% |
Full shareholding pattern, group structure & capital events →
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Risk Intelligence Center
Growth 60 · Distress 75
Growth signals & trust indicators
Latest year revenue grew 38%.
Asset base grew 1.42 - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 9 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
2 open charge(s) registered - assets are encumbered.
2 auditor resignation(s) on record - review the stated reasons.
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Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence77/100
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.
- 2 open charge(s) of 1.00 cr already registered.
- Compliance record supports lending.
Investor view64/100
Mixed indicators
Growth quality and scalability through an investor lens.
- 3 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events28 Oct 2025
Charge satisfied
The Hongkong And Shanghai Banking Corporation Limited
22 Sep 2025
Charge satisfied
Others
04 Jan 2025
Charge created
The Hongkong And Shanghai Banking Corporation Limited - 50.00 Lakh
25 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
16 Nov 2022
Charge created
The Hongkong And Shanghai Banking Corporation Limited - 50.00 Lakh
26 Jul 2022
Charge created
The Hongkong And Shanghai Banking Corporation Limited - 4.00 cr
27 Apr 2022
Charge created
Others - 7.00 cr
31 Mar 2022
Share transfer (FY 2022)
3669.00000000 shares to Arpit Khandelwal
09 Apr 2018
Director appointed
SANDEEP SOMANI (Director)
11 Dec 2017
Director ceased
RAJIV RAMNARAYAN
Director ceased
RAM PRAKASH KEWALRAMANI
07 Jul 2017
Director appointed
RAJIV RAMNARAYAN (Director)
27 May 2017
Director appointed
RAM PRAKASH KEWALRAMANI (Director)
Director ceased
PRIYANKA RAM KEWALRAMANI
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Key Observations
Auto-generated from the data aboveRevenue declined 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
4 active director(s) / partner(s); board looks stable and experienced.
4 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 2 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
12 overseas direct investment(s) (ODI) on record - international footprint.
| Company | CIN | Location |
|---|---|---|
| Catalyst Management Services | U01137KA1995PTC018377 | Bangalore, Karnataka, India |
| Cardlytics | U72900AP2018FTC108913 | Visakhapatnam, Andhra Pradesh, India |
| Phi Audiocom Systems Private Limited | U29999PN2001PTC016111 | Pune, Maharashtra, India |
| Gsh Utilities Services Private Limited | U74900TN2014FTC095495 | Chennai, Tamil Nadu, India |
| Distribution Systems & Control Private Limited | U68100DL2011PTC217338 | New Delhiu, Delhi, India |
| V K Offshore Services India Private Limited | U11200MH2003PTC138752 | Andheri East, Maharashtra, India |
| Art Next Private Limited | U21010MH2020PTC338548 | Goregaon (West), Maharashtra, India |
| Zerofox | U72900KA2020FTC151205 | Ashok Nagar Bengaluru, Karnataka, India |
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Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Credable before audits and certifications: compliance score 78/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Credable: 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 60/100, margin trends, ownership structure and peer set for Credable - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 77/100, distress signals and MSME payment-delay disclosures - know whether Credable 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 Credable - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Credable an active company?
Credable has MCA status “Active” with a compliance score of 78/100 (Low Risk).
Is Credable financially healthy?
Credable has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.
Should I do business with Credable?
Its overall Trust Score is 77/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Credable?
Promoters hold a majority stake - exact percentages are in the full report. 4 active director(s) are on record.
Does Credable have loans or charges against its assets?
2 open charge(s) are registered against its assets, and 2 earlier charge(s) stand satisfied.
Is Credable up to date with its ROC filings?
Balance sheet slightly behind (Mar 2024). Overall compliance score: 78/100 (Low Risk).
Is it risky to lend to Credable?
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.
