Promoter holding
64.27%
NB
Navy Beans Commerce Private Limited - Due diligence report
A 360° intelligence report on Navy Beans Commerce Private Limited: trust score, financial health, credit view, compliance, directors, growth…
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Navy Beans Commerce Private Limited — 360° Intelligence Report
Generated from MCA filings & public records81/100
Trust Score
Low Risk
Navy Beans Commerce Private Limited is assessed as Low Risk with a Trust Score of 81/100. Navy Beans Commerce Private Limited is an active private limited indian non-government company incorporated in 2012, operating in the Real Estate and Construction sector. 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 28 Jun 2026 from the latest processed filings. Navy Beans Commerce 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
81/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
55/100
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
50/100
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.
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
- Liabilities ≈ 38% EBITDA - stretched.
- No open charges - unencumbered balance sheet.
- Elevated gearing (D/E 1.42).
- Profitable - internal accruals available.
Charges position: 0 open (-) · 1 satisfied (10.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Axis Bank Limited | 1 | 48.0 cr |
Compliance Score: 100/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
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Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| GOURAV KUMAR AGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANJAY KUMAR AGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 2 directors on the board.
- No disqualified or deactivated DINs.
- Stable board - no exits in 3 years.
- Average tenure above 5 years.
06
Ownership & Group Intelligence
As per FY 2019 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
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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 50 · Distress 65
Growth signals & trust indicators
Operating for 14+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Profit declined two years in a row.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence84/100
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 assessment62/100
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 view60/100
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 team looks stable.
09
MCA Filings & Events Timeline
Latest 14 events30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
07 Feb 2020
Charge satisfied
Axis Bank Limited
29 Sep 2015
Charge created
Axis Bank Limited - 10.00 cr
15 Dec 2014
Director ceased
UPMANYU PATHAK
Director ceased
SNEHKUMAR CHHAJER
30 Oct 2014
Director appointed
GOURAV KUMAR AGARWAL (Director)
Director appointed
SANJAY KUMAR AGARWAL (Director)
12 Aug 2013
Director ceased
LALIT RATHI
24 Apr 2013
Director ceased
RANJENDRA SINGH
Director ceased
LUCY SINGH
01 Jan 2013
Director ceased
KRISHNA BEHERA
Director ceased
NAND LAL DAS
12 Apr 2012
Incorporated
Registered with Roc Kolkata I
10
Key Observations
Auto-generated from the data aboveDebt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
2 active director(s) / partner(s); board looks stable and experienced.
All 1 registered charge(s) stand satisfied - past borrowings repaid.
Promoters hold a dominant controlling stake as per the FY 2019 annual return.
| Company | CIN | Location |
|---|---|---|
| Endive Vyapaar Private Limited | U74999WB2012PTC180041 | Kolkata, West Bengal, India |
| Shallot Tradecom Private Limited | U74999WB2012PTC179685 | Kolkata, West Bengal, India |
| Endive Traders Private Limited | U74999WB2012PTC179712 | Kolkata, West Bengal, India |
| Navy Beans Dealtrade Private Limited | U74999WB2012PTC180166 | Kolkata, West Bengal, India |
| Nettles Vintrade Private Limited | U74999WB2012PTC180023 | Kolkata, West Bengal, India |
| Endive Vincom Private Limited | U74999WB2012PTC179826 | Kolkata, West Bengal, India |
| Nerine Vincom Private Limited | U74999WB2012PTC180151 | Kolkata, West Bengal, India |
| Salsify Vincom Private Limited | U74999WB2012PTC180155 | Kolkata, West Bengal, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Navy Beans Commerce Private Limited before audits and certifications: compliance score 100/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Navy Beans Commerce 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 50/100, margin trends, ownership structure and peer set for Navy Beans Commerce Private Limited - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 81/100, distress signals and MSME payment-delay disclosures - know whether Navy Beans Commerce 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 Navy Beans Commerce Private Limited - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Navy Beans Commerce Private Limited an active company?
Navy Beans Commerce Private Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).
Is Navy Beans Commerce Private Limited financially healthy?
Navy Beans Commerce Private Limited has a Financial Health Score of 55/100 (Moderate) based on its filed financial statements.
Should I do business with Navy Beans Commerce Private Limited?
Its overall Trust Score is 81/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Navy Beans Commerce Private Limited?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.
Does Navy Beans Commerce Private Limited have loans or charges against its assets?
No open charges - all 1 registered charge(s) stand satisfied, indicating past borrowings were repaid.
Is Navy Beans Commerce Private Limited up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 100/100 (Low Risk).
Is it risky to lend to Navy Beans Commerce Private Limited?
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.
