H And J Estates Private Ltd - Due diligence report

A 360° intelligence report on H And J Estates Private Ltd: trust score, financial health, credit view, compliance, directors, growth and dis…

1994-11-29 Ernakulam, Kerala Active Unlisted Active Non-Compliant
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HA H And J Estates Private Ltd
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H And J Estates Private Ltd — 360° Intelligence Report

Generated from MCA filings & public records
42/100
Trust Score
Caution Indicated

H And J Estates Private Ltd is assessed as Caution Indicated with a Trust Score of 42/100. H And J Estates Private Ltd is an active private limited indian non-government company incorporated in 1994, operating in the Real Estate and Construction 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 high compliance risk and high financial risk profile.

Report generated on 05 Jul 2026 from the latest processed filings. H And J Estates Private Ltd snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Weak
Compliance › Caution

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 ScoreCaution Indicated
42/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
18/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
25/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
20/100
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
50/100
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: 20/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Elevated gearing (D/E 1.42).

Charges position: 1 open (1.20 cr) · 1 satisfied (20.00 Lakh).

Banking relationships (from registered charges)
LenderChargesAmount
Axis Bank Limited1 48.0 cr
Canara Bank1 48.0 cr
Compliance Score: 18/100 Caution Indicated
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Last balance sheet is for Mar 2015 - filings overdue.
  • Flagged by authority: MCA.
  • Litigation present in 1 court forum(s).
  • 1 active GST registration(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
GEORGE JOSEPH 01234567 Director 01/04/2018 6 yrs Approved
TRESA PRESCILLA JACOB 01234567 Director 01/04/2018 6 yrs Approved
LAILA SEBASTIAN MAPPILACHERRY 01234567 Director 01/04/2018 6 yrs Approved
JACOB JOSEPH MAMPPILACHERRY 01234567 Director 01/04/2018 6 yrs Approved
  • 4 directors on the board.
  • GEORGE JOSEPH 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 2015 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 majority stake - exact percentages are part of the full report.

Key managerial personnel: JACOB JOSEPH MAMPPILACHERRY (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 50
Growth signals & trust indicators
Operating for 31+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Statutory filings appear overdue.
Compliance score is weak (18/100).
1 open charge(s) registered - assets are encumbered.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence35/100
Caution indicated
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 3 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment21/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 1.20 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view35/100
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 10 events
30 Sep 2015
Last AGM held
Annual general meeting
31 Mar 2015
Latest balance sheet
Filed with ROC
12 Mar 2010
Charge satisfied
Canara Bank
09 Feb 2010
Charge created
Axis Bank Limited - 1.20 cr
24 Nov 2003
Charge created
Canara Bank - 20.00 Lakh
11 Dec 1999
Director appointed
LAILA SEBASTIAN MAPPILACHERRY (Director)
29 Nov 1994
Incorporated
Registered with Roc Ernakulam
Director appointed
GEORGE JOSEPH (Director)
Director appointed
TRESA PRESCILLA JACOB (Director)
Director appointed
JACOB JOSEPH MAMPPILACHERRY (Managing Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 2.1x over the last 1 financial year(s).
Net profit margin moved from 24% to 0.86.
Debt-to-equity stands at 61% - leverage worth monitoring.
Net worth is positive.
4 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 majority stake as per the FY 2015 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Reddvise U74999PN2010PTC137878 Pune, Maharashtra, India
Swedell Realtors Private Limited U70200GA2008PTC005551 Panaji, Goa, India
Beyond Corporation (India) Private Limited U70102PN2008PTC133272 Pune, Maharashtra, India
Recco Structurals Pvt Ltd U45201DL2001PTC111351 New Delhi, Delhi, India
Anant Dream Developers India Private Limited U70101RJ2013PTC041190 Jaipur, Rajasthan, India
Potential Homes And Infrastructure Private Limited U45400HR2007PTC036720 Gurugram, Haryana, India
Investorden Infratech Private Limited U70100UP2013PTC060426 Vasundhara, Uttar Pradesh, India
Orior Developers And Infrastructure Private Limited U70109DL2006PTC150338 New Delhi, Delhi, India
12

Who Uses This Report

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

Verify H And J Estates Private Ltd before audits and certifications: compliance score 18/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of H And J Estates Private 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: Enhanced diligence advised. Credit risk score 20/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for H And J Estates Private Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Caution indicated. Trust score 42/100, distress signals and MSME payment-delay disclosures - know whether H And J Estates Private Ltd pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (1 case(s) on record), regulatory flags, charge documents trail and director networks for H And J Estates Private Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is H And J Estates Private Ltd an active company?

H And J Estates Private Ltd has MCA status “Active” with a compliance score of 18/100 (Caution Indicated).

Is H And J Estates Private Ltd financially healthy?

H And J Estates Private Ltd has a Financial Health Score of 25/100 (Caution Indicated) based on its filed financial statements.

Should I do business with H And J Estates Private Ltd?

Its overall Trust Score is 42/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls H And J Estates Private Ltd?

Promoters hold a majority stake - exact percentages are in the full report. 4 active director(s) are on record.

Does H And J Estates Private Ltd have loans or charges against its assets?

1 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.

Is H And J Estates Private Ltd up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 18/100 (Caution Indicated).

Is it risky to lend to H And J Estates Private Ltd?

Its Credit Risk Score is 20/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.

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.