Speckle Internet Solutions Private Limited - Due diligence report

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

2015-03-20 Hyderabad, Telangana Active Unlisted Active Compliant
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SI Speckle Internet Solutions Private Limited
Full Due-Diligence Report + Documents
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  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
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Paymatrix — 360° Intelligence Report

Generated from MCA filings & public records
65/100
Trust Score
Moderate

Paymatrix is assessed as Moderate with a Trust Score of 65/100. Paymatrix is an active private limited indian non-government company incorporated in 2015, operating in the Internet sector. The company has shown revenue growth across its recent filed years. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and high financial risk profile.

Report generated on 17 Jul 2026 from the latest processed filings. Speckle Internet Solutions Private Limited snapshot & full profile →

Financial Health › Caution
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
65/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
5/100
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 ScoreLow Risk
75/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
30/100
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 access

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: 45/100 Caution Indicated
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.

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
NameDIN / PANDesignationAppointedTenureDIN status
THOMAS JOHN MUTHOOT 01234567 Director 01/04/2018 6 yrs Approved
THOMAS GEORGE MUTHOOT 01234567 Director 01/04/2018 6 yrs Approved
THOMAS MUTHOOT 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.
Director & KMP remuneration (FY 2023)
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 2023 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
13 allotment(s) · 9 transfer(s)

Promoters hold the largest single block of equity - exact percentages are part of the full report.

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 75 · Distress 30
Growth signals & trust indicators
Revenue acceleration: +38% over 4 year(s).
Asset base grew 1.42 - capacity expansion.
Operating for 11+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Outside liabilities up 2.1x in a year.
Negative net worth.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence68/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 4 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment47/100
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 view48/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • 2 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
24 Mar 2023
Director ceased
THOMAS MUTHOOT
23 Mar 2023
Director appointed
THOMAS MUTHOOT (Director)
Director ceased
ORUGANTI VENKATA RAVI
Director ceased
THOMAS JOHN MUTHOOT
Director ceased
THOMAS GEORGE MUTHOOT
24 Jun 2021
Securities allotted
143286 Equity Shares - 1.43 Lakh raised
Director appointed
THOMAS JOHN MUTHOOT (Director)
Director appointed
THOMAS GEORGE MUTHOOT (Director)
Director ceased
MUKESH ANCHURI CHANDRA
Director ceased
GUGULOTH MURALIDHARNAYAK
08 Apr 2021
Securities allotted
4762 Equity Shares - 4,762.00 raised
Securities allotted
39668 Equity Shares - 39,668.00 raised
10 Jul 2020
Securities allotted
500000 Preference Shares - 5.00 Lakh raised
10

Key Observations

Auto-generated from the data above
Revenue grew 24% over the last 4 financial year(s).
Net profit margin moved from 0.86 to 61%.
Compliance record is strong - status, filings and flags are clean.
3 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 the largest single block of equity as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 13 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sdaemon Infotech Private Limited U72900PN2017PTC171069 Pune, Maharashtra, India
Pixielanes India Private Limited U74999KA2018FTC118093 Bangalore North, Karnataka, India
Ysquare Technology Private Limited U72900TN2021PTC147695 Chennai, Tamil Nadu, India
Temple Tree Technologies U72900TG2020PTC146547 Shaikpet, Telangana, India
Vridhi Softech Services U72200HR2012PTC046305 Faridabad, Haryana, India
Defyn Infotech Private Limited U72900DL2018PTC342080 New Delhi, Delhi, India
Adeptus Technologies U72900PN2016PTC157896 Pune, Maharashtra, India
Gleeserve Technology Private Limited U72900TG2017PTC116004 Hyderabad, Telangana, India
12

Who Uses This Report

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

Verify Paymatrix 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 Paymatrix: 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 75/100, margin trends, ownership structure and peer set for Paymatrix - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 65/100, distress signals and MSME payment-delay disclosures - know whether Paymatrix 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 Paymatrix - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Paymatrix an active company?

Paymatrix has MCA status “Active” with a compliance score of 100/100 (Low Risk).

Is Paymatrix financially healthy?

Paymatrix has a Financial Health Score of 5/100 (Caution Indicated) based on its filed financial statements.

Should I do business with Paymatrix?

Its overall Trust Score is 65/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Paymatrix?

Promoters hold the largest single block of equity - exact percentages are in the full report. 3 active director(s) are on record.

Does Paymatrix have loans or charges against its assets?

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

Is Paymatrix 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 Paymatrix?

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.