Promoter holding
64.27%
ST
Spectrum Textiles Private Ltd - Due diligence report
A 360° intelligence report on Spectrum Textiles Private Ltd: trust score, financial health, credit view, compliance, directors, growth and d…
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Spectrum Textiles Private Ltd — 360° Intelligence Report
Generated from MCA filings & public records48/100
Trust Score
Caution Indicated
Spectrum Textiles Private Ltd is assessed as Caution Indicated with a Trust Score of 48/100. Spectrum Textiles Private Ltd is a private limited indian non-government company incorporated in 1993, operating in the Appreal & Fashion sector. It reported a loss 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 02 Aug 2026 from the latest processed filings. Spectrum Textiles Private Ltd 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 ScoreCaution Indicated
48/100
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
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
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 ScoreCaution Indicated
40/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 3 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: 50/100 Moderate
- Negative operating earnings - debt service depends on external support.
- No open charges - unencumbered balance sheet.
- Working-capital cover adequate.
Charges position: 0 open (-) · 2 satisfied (9.75 Lakh).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Punjab National Bank | 2 | 48.0 cr |
Compliance Score: 5/100 Caution Indicated
- Company status is "Strike Off" - not Active.
- Last balance sheet is for Mar 2019 - filings overdue.
- Flagged by authority: MCA.
05
Director Intelligence
Stability score: 95/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| AJAY VIRMANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| CHAMAN LAL VIRMANI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANJAY VIRMANI | 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 2017 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.
Key managerial personnel: AJAY VIRMANI (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 50 · Distress 40
Growth signals & trust indicators
Operating for 32+ years.
Distress signals & risk flags
Losses deepening year-on-year.
Statutory filings appear overdue.
Adverse company status: Strike Off.
Compliance score is weak (5/100).
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence28/100
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 assessment39/100
Enhanced diligence advised
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 view50/100
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 9 events30 May 2019
Last AGM held
Annual general meeting
22 May 2019
Charge satisfied
Punjab National Bank
31 Mar 2019
Latest balance sheet
Filed with ROC
13 Oct 2001
Charge created
Punjab National Bank - 2.75 Lakh
16 May 1995
Charge created
Punjab National Bank - 7.00 Lakh
22 Dec 1994
Director appointed
AJAY VIRMANI (Managing Director)
20 Oct 1993
Incorporated
Registered with Roc Chandigarh
Director appointed
CHAMAN LAL VIRMANI (Director)
Director appointed
SANJAY VIRMANI (Director)
10
Key Observations
Auto-generated from the data aboveNet worth is positive.
3 active director(s) / partner(s); board looks stable and experienced.
All 2 registered charge(s) stand satisfied - past borrowings repaid.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2017 annual return.
Peer companies will appear here as our matching engine processes this industry.
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Spectrum Textiles Private 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 Spectrum Textiles Private 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: Enhanced diligence advised. Credit risk score 50/100, 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 Spectrum Textiles Private Ltd - 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 Spectrum Textiles Private Ltd 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 Spectrum Textiles Private Ltd - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Spectrum Textiles Private Ltd an active company?
Spectrum Textiles Private Ltd has MCA status “Strike Off” with a compliance score of 5/100 (Caution Indicated).
Is Spectrum Textiles Private Ltd financially healthy?
Spectrum Textiles Private Ltd has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.
Should I do business with Spectrum Textiles Private Ltd?
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 Spectrum Textiles Private Ltd?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 3 active director(s) are on record.
Does Spectrum Textiles Private Ltd have loans or charges against its assets?
No open charges - all 2 registered charge(s) stand satisfied, indicating past borrowings were repaid.
Is Spectrum Textiles Private Ltd up to date with its ROC filings?
Last balance sheet is for Mar 2019 - filings overdue. Overall compliance score: 5/100 (Caution Indicated).
Is it risky to lend to Spectrum Textiles Private Ltd?
Its Credit Risk Score is 50/100 (Moderate). Banker verdict: Enhanced diligence advised.
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.
