Microbe Banking Solutions Limited - Due diligence report

A 360° intelligence report on Microbe Banking Solutions Limited: trust score, financial health, credit view, compliance, directors, growth a…

2009-08-18 Patna, Bihar Active Unlisted Active Compliant
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Microbe Banking Solutions Limited — 360° Intelligence Report

Generated from MCA filings & public records
69/100
Trust Score
Moderate

Microbe Banking Solutions Limited is assessed as Moderate with a Trust Score of 69/100. Microbe Banking Solutions Limited is an active public limited indian non-government company incorporated in 2009, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. It was profitable 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 11 Jul 2026 from the latest processed filings. Microbe Banking Solutions Limited snapshot & full profile →

Financial Health › Good
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
69/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
60/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreModerate
55/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
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.

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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: 35/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Elevated gearing (D/E 1.42).
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 1 open (35.00 Lakh) · 0 satisfied (-).

Banking relationships (from registered charges)
LenderChargesAmount
Others1 48.0 cr
Compliance Score: 75/100 Low Risk
  • Company status is Active as per MCA.
  • Last balance sheet is for Mar 2020 - filings overdue.
05

Director Intelligence

Stability score: 55/100
NameDIN / PANDesignationAppointedTenureDIN status
SAMPURNANAND SINGH 01234567 Director 01/04/2018 6 yrs Approved
INDU SINGH 01234567 Director 01/04/2018 6 yrs Approved
BRAHMANAND SINGH 01234567 Director 01/04/2018 6 yrs Approved
  • 3 directors on the board.
  • SAMPURNANAND SINGH has DIN status "Deactivated due to non-filing of DIR-3 KYC".
  • Stable board - no exits in 3 years.
  • Average tenure above 5 years.
Director & KMP remuneration (FY 2017)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2020 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.

Key managerial personnel: SAMPURNANAND SINGH (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 45 · Distress 65
Growth signals & trust indicators
Net margin improved to 2.1x.
Operating for 16+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Statutory filings appear overdue.
1 open charge(s) registered - assets are encumbered.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence70/100
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 assessment52/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 1 open charge(s) of 35.00 Lakh already registered.
  • Compliance record supports lending.
Investor view56/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management churn warrants questions.
09

MCA Filings & Events Timeline

Latest 9 events
31 Dec 2020
Last AGM held
Annual general meeting
31 Mar 2020
Latest balance sheet
Filed with ROC
15 May 2015
Charge created
Others - 35.00 Lakh
11 Jul 2014
Director ceased
PREM MOHAN SINGH
27 Jun 2014
Director appointed
BRAHMANAND SINGH (Director)
28 May 2013
Director ceased
BRAHMANAND SINGH
15 Jul 2012
Director appointed
SAMPURNANAND SINGH (Managing Director)
18 Aug 2009
Incorporated
Registered with Roc Patna
Director appointed
INDU SINGH (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 24% over the last 4 financial year(s).
Net profit margin moved from 0.86 to 61%.
Debt-to-equity stands at 38% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
3 active director(s) / partner(s); review board churn before relying on management continuity.
Promoters hold a dominant controlling stake as per the FY 2020 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Lohit Mercandise Ltd. U29211AS1991PLC012285 Palashbari Circle, Assam, India
Attree Hire-Purchase And Leasing Company Private Limited U65921DL1998PTC097595 New Delhi, Delhi, India
Anil Risk & Credit Consultants Private Limited U93030UP2013PTC056330 Agra, Uttar Pradesh, India
Core Resource Finance Ltd U67120WB1992PLC055598 Kolkata, West Bengal, India
Smita Financial Services Private Limited U51909WB1987PTC043128 Kolkata, West Bengal, India
Gandharva Financial Services Private Limited U65910TG1995PTC120255 Hyderabad, Telangana, India
Ess Aar Finex Ltd U65910DL1996PLC081460 New Delhi, Delhi, India
Sivagami Holdings Private Limited U65993TN1998PTC040960 Pb No.2730 Chennai-2, Tamil Nadu, India
12

Who Uses This Report

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

Verify Microbe Banking Solutions Limited before audits and certifications: compliance score 75/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Microbe Banking Solutions 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 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 45/100, margin trends, ownership structure and peer set for Microbe Banking Solutions Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 69/100, distress signals and MSME payment-delay disclosures - know whether Microbe Banking Solutions 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 Microbe Banking Solutions Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Microbe Banking Solutions Limited an active company?

Microbe Banking Solutions Limited has MCA status “Active” with a compliance score of 75/100 (Low Risk).

Is Microbe Banking Solutions Limited financially healthy?

Microbe Banking Solutions Limited has a Financial Health Score of 60/100 (Moderate) based on its filed financial statements.

Should I do business with Microbe Banking Solutions Limited?

Its overall Trust Score is 69/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Microbe Banking Solutions Limited?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.

Does Microbe Banking Solutions Limited have loans or charges against its assets?

1 open charge(s) are registered against its assets.

Is Microbe Banking Solutions Limited up to date with its ROC filings?

Last balance sheet is for Mar 2020 - filings overdue. Overall compliance score: 75/100 (Low Risk).

Is it risky to lend to Microbe Banking Solutions Limited?

Its Credit Risk Score is 35/100 (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.