Finoability Private Limited - Due diligence report

A 360° intelligence report on Finoability Private Limited: trust score, financial health, credit view, compliance, directors, growth and dis…

2020-06-18 Howrah, West Bengal Active Unlisted
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Finoability Private Limited — 360° Intelligence Report

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

Finoability Private Limited is assessed as Moderate with a Trust Score of 66/100. Finoability Private Limited is an active private limited indian non-government company incorporated in 2020, operating in the Education 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 27 Jul 2026 from the latest processed filings. Finoability Private 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
88/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
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 ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
60/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 2 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: 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: 88/100 Low Risk
  • Company status is Active as per MCA.
  • Balance sheet slightly behind (Mar 2024).
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
SHAMBHU DAYAL AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
PIYUSH AGARWAL 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • PIYUSH AGARWAL has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
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
-

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 60
Growth signals & trust indicators
Operating for 6 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence73/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 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 view46/100
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 5 events
30 Sep 2024
Last AGM held
Annual general meeting
31 Mar 2024
Latest balance sheet
Filed with ROC
18 Jun 2020
Incorporated
Registered with Roc Kolkata
Director appointed
SHAMBHU DAYAL AGARWAL (Director)
Director appointed
PIYUSH AGARWAL (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 38% over the last 1 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2022 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Yatoshan Marketing Private Limited U52100WB2010PTC144982 Kolkata, West Bengal, India
Arka Energy U11100TN2011PTC080872 Chennai, Tamil Nadu, India
Praveen Enterprises Limited U65993TN1998PLC040066 Chennai, Tamil Nadu, India
Malti Suppliers Private Limited U51909WB2011PTC157214 Kolkata, West Bengal, India
Pittie Commerce And Investment Private Limited U65910MH1988PTC046331 Mumbai, Maharashtra, India
R.V.Mercantile Private Limited U65999TN1999PTC041948 Hosur, Tamil Nadu, India
Jmj Holdings Private Limited U65900MH2009PTC194475 Mumbai, Maharashtra, India
Venus Pack System Private Limited U25202DL2004PTC128861 Delhi, Delhi, India
12

Who Uses This Report

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

Verify Finoability Private Limited before audits and certifications: compliance score 88/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Finoability Private Limited: 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 40/100, margin trends, ownership structure and peer set for Finoability Private Limited - 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 Finoability Private Limited 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 Finoability Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Finoability Private Limited an active company?

Finoability Private Limited has MCA status “Active” with a compliance score of 88/100 (Low Risk).

Is Finoability Private Limited financially healthy?

Finoability Private Limited has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Finoability Private Limited?

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 Finoability Private Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Finoability Private Limited have loans or charges against its assets?

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

Is Finoability Private Limited up to date with its ROC filings?

Balance sheet slightly behind (Mar 2024). Overall compliance score: 88/100 (Low Risk).

Is it risky to lend to Finoability Private Limited?

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.