People Combine Knowledge Solutions Private Limited - Due diligence report

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

2016-09-28 Vishakhapatnam, Andhra Pradesh Amalgamated Unlisted Active Compliant
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PC People Combine Knowledge Solutions Private Limited
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People Combine — 360° Intelligence Report

Generated from MCA filings & public records
48/100
Trust Score
Caution Indicated

People Combine is assessed as Caution Indicated with a Trust Score of 48/100. People Combine is a private limited indian non-government company incorporated in 2016, operating in the Education 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 high compliance risk and high financial risk profile.

Report generated on 19 Jul 2026 from the latest processed filings. People Combine Knowledge Solutions Private Limited snapshot & full profile →

Financial Health › Weak
Overall Assessment CautionWeakNeutralGoodStrong Neutral
Compliance › Weak

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
48/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
30/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
35/100
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 ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
20/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 4 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
  • Liabilities ≈ 38% EBITDA - stretched.
  • No open charges - unencumbered balance sheet.
  • Profitable - internal accruals available.
  • Externally credit-rated (A).

Charges position: 0 open (-) · 2 satisfied (310.00 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others2 48.0 cr
Compliance Score: 30/100 Caution Indicated
  • Company status is "Amalgamated" - not Active.
  • Last balance sheet is for Mar 2020 - filings overdue.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
GEORGE GHANTOUS 01234567 Director 01/04/2018 6 yrs Approved
ANDREW FITZMAURICE 01234567 Director 01/04/2018 6 yrs Approved
TERRY LEONARD CREISSEN 01234567 Director 01/04/2018 6 yrs Approved
NEHA SHAH 01234567 Director 01/04/2018 6 yrs Approved
  • 4 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 2018 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
0 allotment(s) · 1 transfer(s)

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 45 · Distress 20
Growth signals & trust indicators
EPFO headcount growing - hiring signal.
Operating for 9 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Negative net worth.
Statutory filings appear overdue.
Adverse company status: Amalgamated.
Compliance score is weak (30/100).
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence32/100
Caution indicated
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • 4 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment45/100
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 view42/100
Limited indicators at present
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
09 Dec 2020
Director ceased
TERRY LEONARD CREISSEN
Last AGM held
Annual general meeting
31 Mar 2020
Latest balance sheet
Filed with ROC
17 Oct 2019
Director appointed
TERRY LEONARD CREISSEN (Director)
16 Oct 2019
Director ceased
ROBERT MORREN INCH WALLS
30 Sep 2019
Director ceased
GEORGE GHANTOUS
Director ceased
ANDREW FITZMAURICE
Director ceased
NEHA SHAH
05 Mar 2019
Charge satisfied
Others
28 Feb 2019
Charge satisfied
Others
18 Feb 2019
Director appointed
GEORGE GHANTOUS (Director)
Director appointed
ANDREW FITZMAURICE (Director)
Director appointed
NEHA SHAH (Director)
Director ceased
MALLIKARJUNA RAO CHIGURUPATI
30 Sep 2017
Director ceased
RAKESH GUPTA
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 3 financial year(s).
Net profit margin moved from 2.1x to 24%.
4 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
All 2 registered charge(s) stand satisfied - past borrowings repaid.
Carries an external credit rating of A from Crisil.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2018 annual return.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Eru Enterprise Private Limited U80903WB2006PTC107844 Kolkata, West Bengal, India
National Education And Information Films Private Limited U92110MH1948PTC006592 Mumbai, Maharashtra, India
Zabaan School For Languages Private Limited U74999DL2009PTC191040 New Delhi, Delhi, India
Brain Oak Global Solutions Private Limited U74140DL2015PTC284191 New Delhi, Delhi, India
Ashwath Infotech Private Limited U72200PN2005PTC020255 Solapur, Maharashtra, India
Digisense Customeriq Private Limited U74999UP2017PTC191853 Noida, Uttar Pradesh, India
Excelpro Education Services Private Limited U74999KL2017PTC048907 Ernakulam, Kerala, India
T .N. College Of Competitions Private Limited U80300DL2008PTC174923 Delhi, Delhi, India
12

Who Uses This Report

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

Verify People Combine before audits and certifications: compliance score 30/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of People Combine: 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: Limited indicators at present. Growth score 45/100, margin trends, ownership structure and peer set for People Combine - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Caution indicated. Trust score 48/100, distress signals and MSME payment-delay disclosures - know whether People Combine 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 People Combine - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is People Combine an active company?

People Combine has MCA status “Amalgamated” with a compliance score of 30/100 (Caution Indicated).

Is People Combine financially healthy?

People Combine has a Financial Health Score of 35/100 (Caution Indicated) based on its filed financial statements.

Should I do business with People Combine?

Its overall Trust Score is 48/100 (Caution Indicated). Vendor verdict: Caution indicated. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls People Combine?

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

Does People Combine have loans or charges against its assets?

No open charges - all 2 registered charge(s) stand satisfied, indicating past borrowings were repaid.

Is People Combine up to date with its ROC filings?

Last balance sheet is for Mar 2020 - filings overdue. Overall compliance score: 30/100 (Caution Indicated).

Is it risky to lend to People Combine?

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.