Promoter holding
64.27%
PT
Plugger Technologies Private Limited - Due diligence report
A 360° intelligence report on Creditcode: trust score, financial health, credit view, compliance, directors, growth and distress signals - g…
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Creditcode — 360° Intelligence Report
Generated from MCA filings & public records93/100
Trust Score
Low Risk
Creditcode is assessed as Low Risk with a Trust Score of 93/100. Creditcode is an active private limited indian non-government company incorporated in 2019, operating in the Internet 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 low compliance risk and low financial risk profile.
Report generated on 11 Jul 2026 from the latest processed filings. Plugger Technologies 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
93/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
95/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreLow Risk
80/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
80/100
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.
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: 80/100 Low Risk
- No open charges - unencumbered balance sheet.
- Moderate gearing (D/E 38%).
- Profitable - internal accruals available.
Charges position: 0 open (-) · 0 satisfied (-).
Compliance Score: 100/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- 1 active GST registration(s).
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| SUMIT KAPOOR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NEHA GAIROLA | 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 2023 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
-
Subsidiaries
-
Group entities
2
Capital events
-
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Optimidea Insurance Web Aggregator Private Limited | Associate Company | 74.00% |
| Optimidea Network Private Limited | Associate Company | 74.00% |
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 80
Growth signals & trust indicators
Revenue acceleration: +1.42 over 3 year(s).
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Asset base grew 0.86 - capacity expansion.
Net margin improved to 61%.
EPFO headcount growing - hiring signal.
Operating for 7 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Outside liabilities up 38% in a year.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence92/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment90/100
Favourable lending indicators
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 view94/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 6 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 5 events30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
26 Feb 2019
Incorporated
Registered with Roc Delhi
Director appointed
SUMIT KAPOOR (Director)
Director appointed
NEHA GAIROLA (Director)
10
Key Observations
Auto-generated from the data aboveRevenue grew 1.42 over the last 3 financial year(s).
Net profit margin moved from 2.1x to 24%.
Debt-to-equity stands at 0.86 - manageable leverage.
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.
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 2023 annual return.
| Company | CIN | Location |
|---|---|---|
| Futuristic Solutions Limited | L74899DL1983PLC016586 | Delhi, Delhi, India |
| Volant Infoserve Private Limited | U74999MH2018PTC305437 | Thane, Maharashtra, India |
| Respo | U65990MH2021PTC373655 | Mumbai, Maharashtra, India |
| Avia Insurance Brokers Private Limited | U66000WB2019PTC233360 | Kolkata, West Bengal, India |
| Judicious Finvest Pvt Ltd | U65923WB1992PTC054562 | Park Circus, West Bengal, India |
| Alpine Commercial Co Ltd. | L65999WB1983PLC035690 | Kolkata, West Bengal, India |
| Pearl International Services Private Limited | U70200DL1990PTC039164 | Central Delhi, Delhi, India |
| Index Organics And Ayurvedic Private Limited | U01400MH2020PTC347292 | Thane, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Creditcode 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 Creditcode: 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: Favourable lending indicators. Credit risk score 80/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Creditcode - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 93/100, distress signals and MSME payment-delay disclosures - know whether Creditcode 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 Creditcode - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Creditcode an active company?
Creditcode has MCA status “Active” with a compliance score of 100/100 (Low Risk).
Is Creditcode financially healthy?
Creditcode has a Financial Health Score of 95/100 (Low Risk) based on its filed financial statements.
Should I do business with Creditcode?
Its overall Trust Score is 93/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Creditcode?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.
Does Creditcode have loans or charges against its assets?
No charges are registered against this company - an unencumbered balance sheet.
Is Creditcode 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 Creditcode?
Its Credit Risk Score is 80/100 (Low Risk). Banker verdict: Favourable lending indicators.
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.
