Kartbee Technologies Private Limited - Due diligence report

A 360° intelligence report on Kreditzy: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…

2019-08-30 Bangalore, Karnataka Amalgamated Unlisted Active Compliant
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KT Kartbee Technologies Private Limited
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Kreditzy — 360° Intelligence Report

Generated from MCA filings & public records
28/100
Trust Score
Caution Indicated

Kreditzy is assessed as Caution Indicated with a Trust Score of 28/100. Kreditzy is a private limited indian non-government company incorporated in 2019, operating in the Internet 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 23 Jul 2026 from the latest processed filings. Kartbee Technologies Private Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Caution
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
28/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
15/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
5/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
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 ScoreCaution Indicated
5/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 3 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: 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: 15/100 Caution Indicated
  • Company status is "Amalgamated" - not Active.
  • Last balance sheet is for Mar 2022 - filings overdue.
  • Litigation present in 1 court forum(s).
  • Delayed payments to MSME suppliers disclosed (6 disclosure(s)).
  • 1 active GST registration(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
SIDHARTH VISHWANATHAN 01234567 Director 01/04/2018 6 yrs Approved
AJEET KUMAR 01234567 Director 01/04/2018 6 yrs Approved
  • 2 directors on the board.
  • AJEET KUMAR 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 2021 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
Finnov Private Limited, Singapore
Subsidiaries
-
Group entities
-
Capital events
0 allotment(s) · 2 transfer(s)

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

Group entityRelationship% held
Finnov Private Limited, Singapore Holding Company 74.00%

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 5
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.
Outside liabilities up 38% in a year.
Negative net worth.
Statutory filings appear overdue.
Adverse company status: Amalgamated.
Compliance score is weak (15/100).
MSME payment delays disclosed - latest outstanding 2.40 Lakh.
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence16/100
Caution indicated
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 6 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment26/100
Enhanced diligence advised
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 view25/100
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 7 events
29 Sep 2022
Last AGM held
Annual general meeting
31 Mar 2022
Latest balance sheet
Filed with ROC
31 Mar 2020
Share transfer (FY 2020)
499.00000000 shares to Sidharth Vishwanathan
Share transfer (FY 2020)
993.00000000 shares to Finnov Private Limited
30 Aug 2019
Incorporated
Registered with Roc Bangalore
Director appointed
SIDHARTH VISHWANATHAN (Director)
Director appointed
AJEET KUMAR (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 2 financial year(s).
Net profit margin moved from 2.1x to 24%.
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 2021 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Regile It Solution Private Limited U72900MH2021PTC360866 Malad West, Maharashtra, India
Intart Techsolutions Private Limited U74999PN2019PTC186510 Pune, Maharashtra, India
Alite Blockchain Private Limited U72900GJ2021PTC121069 Vadodara, Gujarat, India
Wiz Digital Services Private Limited U72900WB2019PTC232529 Saltlake, West Bengal, India
Zesro Technologies Private Limited U72200AP2016PTC098470 Vijayawada, Andhra Pradesh, India
Vara Solution Support Private Limited U74910TN2019PTC129841 Chennai, Tamil Nadu, India
Pramahasoft Solutions Private Limited U72200TG2018PTC127838 Hyderabad, Telangana, India
Aspire U72200TG2007PTC055133 Madhapur, Telangana, India
12

Who Uses This Report

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

Verify Kreditzy before audits and certifications: compliance score 15/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Kreditzy: 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 45/100, 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 Kreditzy - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Caution indicated. Trust score 28/100, distress signals and MSME payment-delay disclosures - know whether Kreditzy 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 Kreditzy - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Kreditzy an active company?

Kreditzy has MCA status “Amalgamated” with a compliance score of 15/100 (Caution Indicated).

Is Kreditzy financially healthy?

Kreditzy has a Financial Health Score of 5/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Kreditzy?

Its overall Trust Score is 28/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Kreditzy?

The ultimate holding entity is Finnov Private Limited, Singapore. 2 active director(s) are on record.

Does Kreditzy have loans or charges against its assets?

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

Is Kreditzy up to date with its ROC filings?

Last balance sheet is for Mar 2022 - filings overdue. Overall compliance score: 15/100 (Caution Indicated).

Is it risky to lend to Kreditzy?

Its Credit Risk Score is 45/100 (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.