Penrose Mercantiles Ltd - Due diligence report

A 360° intelligence report on Penrose Mercantiles Ltd: trust score, financial health, credit view, compliance, directors, growth and distres…

1982-12-04 Kolkata, West Bengal Amalgamated Unlisted Active Compliant
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Penrose Mercantiles Ltd — 360° Intelligence Report

Generated from MCA filings & public records
53/100
Trust Score
Moderate

Penrose Mercantiles Ltd is assessed as Moderate with a Trust Score of 53/100. Penrose Mercantiles Ltd is a public limited indian non-government company incorporated in 1982, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a high compliance risk and moderate financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Penrose Mercantiles Ltd snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Neutral
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 ScoreModerate
53/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
5/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
70/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreModerate
70/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
40/100
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: 60/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Working-capital cover adequate.
  • Profitable - internal accruals available.

Charges position: 0 open (-) · 0 satisfied (-).

Compliance Score: 5/100 Caution Indicated
  • Company status is "Amalgamated" - not Active.
  • Last balance sheet is for Mar 2021 - filings overdue.
  • Flagged by authority: RBI, FIU.
  • Litigation present in 1 court forum(s).
Legal cases on record (1)
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
GHANSHYAM DASS SINGAL 01234567 Director 01/04/2018 6 yrs Approved
MANOJ KUMAR RASTOGI 01234567 Director 01/04/2018 6 yrs Approved
RADHEY SHYAM 01234567 Director 01/04/2018 6 yrs Approved
  • 3 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 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
1 allotment(s) · 0 transfer(s)

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 70 · Distress 40
Growth signals & trust indicators
Revenue acceleration: +38% over 4 year(s).
Operating for 43+ years.
Distress signals & risk flags
Revenue declined year-on-year.
Statutory filings appear overdue.
Adverse company status: Amalgamated.
Compliance score is weak (5/100).
1 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence30/100
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 assessment49/100
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 gaps should be priced into terms.
Investor view66/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 1 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
25 Sep 2021
Director ceased
GHANSHYAM DASS SINGAL
Director ceased
MANOJ KUMAR RASTOGI
Last AGM held
Annual general meeting
31 Aug 2021
Director appointed
GHANSHYAM DASS SINGAL (Director)
31 Mar 2021
Latest balance sheet
Filed with ROC
18 Feb 2021
Securities allotted
15000000 Equity Shares Without Differential Rights - 15.00 cr raised
13 Oct 2020
Director appointed
MANOJ KUMAR RASTOGI (Director)
Director appointed
RADHEY SHYAM (Director)
Director ceased
DEBASHIS BHATTACHARYA
Director ceased
DEVENDRA AGARWAL
11 May 2018
Director ceased
RADHEY SHYAM
30 Sep 2016
Director ceased
BINOD KUMAR AGARWAL
16 Jul 2016
Director ceased
KAMAL KUMAR JAIN
10 May 2007
Director ceased
VASDEV AGGARWAL
04 Dec 1982
Incorporated
Registered with Roc Kolkata
10

Key Observations

Auto-generated from the data above
Revenue grew 1.42 over the last 4 financial year(s).
Net worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
Promoters hold a majority stake as per the FY 2020 annual return.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Yamini Agencies Pvt Ltd U51909WB1995PTC069908 Kolkata, West Bengal, India
Kanoi Leasfin Ltd U67120WB1992PLC055381 Kolkata, West Bengal, India
Enes Finance Private Limited U65990MH2019PTC320523 Mumbai, Maharashtra, India
Manbhav Investments Private Limited U74899DL1994PTC058383 New Delhi, Delhi, India
Sitara Fincom Private Limited U51109WB2005PTC103777 Kolkata, West Bengal, India
Shree Shyam Financial Consultants Private Limited U74140WB2008PTC123873 Howrah, West Bengal, India
Navnit Leasing And Finance Pvt Ltd U65944MH1991PTC062008 Mumbai, Maharashtra, India
A.N.P. Investments Ltd U65923WB1988PLC045482 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Penrose Mercantiles Ltd before audits and certifications: compliance score 5/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Penrose Mercantiles 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: Mixed indicators - deeper appraisal suggested. Credit risk score 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 70/100, margin trends, ownership structure and peer set for Penrose Mercantiles Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Caution indicated. Trust score 53/100, distress signals and MSME payment-delay disclosures - know whether Penrose Mercantiles 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 Penrose Mercantiles Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Penrose Mercantiles Ltd an active company?

Penrose Mercantiles Ltd has MCA status “Amalgamated” with a compliance score of 5/100 (Caution Indicated).

Is Penrose Mercantiles Ltd financially healthy?

Penrose Mercantiles Ltd has a Financial Health Score of 70/100 (Moderate) based on its filed financial statements.

Should I do business with Penrose Mercantiles Ltd?

Its overall Trust Score is 53/100 (Moderate). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Penrose Mercantiles Ltd?

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

Does Penrose Mercantiles Ltd have loans or charges against its assets?

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

Is Penrose Mercantiles Ltd up to date with its ROC filings?

Last balance sheet is for Mar 2021 - filings overdue. Overall compliance score: 5/100 (Caution Indicated).

Is it risky to lend to Penrose Mercantiles Ltd?

Its Credit Risk Score is 60/100 (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.