Spencer Complex Private Limited - Due diligence report

A 360° intelligence report on Spencer Complex Private Limited: trust score, financial health, credit view, compliance, directors, growth and…

2007-07-17 Kolkata, West Bengal Active Unlisted Active Non-Compliant
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SC Spencer Complex Private Limited
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Spencer Complex Private Limited — 360° Intelligence Report

Generated from MCA filings & public records
82/100
Trust Score
Low Risk

Spencer Complex Private Limited is assessed as Low Risk with a Trust Score of 82/100. Spencer Complex Private Limited is an active private limited indian non-government company incorporated in 2007, operating in the Construction sector. Processed financial statements are not yet available for trend analysis. Based on MCA filings and public records, it currently shows a moderate compliance risk and an unassessed financial risk profile.

Report generated on 11 Oct 2026 from the latest processed filings. Spencer Complex Private Limited snapshot & full profile →

Financial Health › No Data
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Good

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 ScoreLow Risk
82/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
68/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreNo Data
N/A
No processed financial statements available yet.
Credit Risk ScoreNo Data
N/A
Financial statements needed for a credit view.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreNo Data
N/A
Needs at least two filed years to measure growth.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

No processed financials
Financial statements are not yet processed for this company. Trend analysis will appear once filings are available.
04

Credit & Compliance Intelligence

Why the scores are what they are
Credit Risk Score: N/A No Data
  • Financial statements needed for a credit view.

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

Compliance Score: 68/100 Moderate
  • Company status is Active as per MCA.
  • Marked ACTIVE non-compliant (INC-22A).
  • Balance sheet slightly behind (Mar 2025).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
ARATI SINGHAL 01234567 Director 01/04/2018 6 yrs Approved
VIJAY KUMAR SINGHAL 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

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
-

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth N/A · Distress 90
Growth signals & trust indicators
Operating for 19+ years.
Financials unavailable - score leans on compliance and governance signals.
Distress signals & risk flags
No critical warning flags detected in the available data.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence79/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • No distress signals on file.
  • No financials on record - ask for audited statements.
Banker assessment67/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • No filed financials - rely on banking statements and GST data.
  • No existing security registered - first-charge position available.
  • Compliance gaps should be priced into terms.
Investor view62/100
Mixed indicators
Growth quality and scalability through an investor lens.
  • No clear growth signals in the filed years.
  • Request management accounts - public filings insufficient.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 7 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
03 Dec 2020
Director appointed
ARATI SINGHAL (Director)
Director ceased
DARSHANA DEVI SINGHAL
10 Mar 2015
Director appointed
VIJAY KUMAR SINGHAL (Director)
Director ceased
SACHIN KUMAR SINGH
17 Jul 2007
Incorporated
Registered with Roc Kolkata I
10

Key Observations

Auto-generated from the data above
2 active director(s) / partner(s); board looks stable and experienced.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
MEMUCEPTS COMMODITIES PVT. LTD. U51909WB1994PTC064925 Kolkata, West Bengal
Neela Madhav Ltd U17299WB1983PLC036221 Kolkata, West Bengal
Debdaru Commercial Private Limited U52100WB2012PTC177934 Kolkata, West Bengal
All Right Dealers Private Limited U51109WB2007PTC116319 Kolkata, West Bengal
Aryavrata Dealtrade Private Limited U51909WB2012PTC172413 Kolkata, West Bengal
Guide Dealcom Private Limited U51109WB2008PTC128532 Kolkata, West Bengal
Topview Financial Advisors Private Limited U74999WB2010PTC153259 Kolkata, West Bengal
P.C. Chakravorty & Sons (Cha) Private Limited U63090WB2004PTC099863 Kolkata, West Bengal
Vss Iron And Minerals Private Limited U28998WB1994PTC064126 Kolkata, West Bengal
Vibhor Constructions Pvt Ltd U70101WB1991PTC052251 Kolkata, West Bengal
12

Who Uses This Report

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

Verify Spencer Complex Private Limited before audits and certifications: compliance score 68/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Spencer Complex Private Limited: 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 pending financials, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score n/a, margin trends, ownership structure and peer set for Spencer Complex Private Limited - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 82/100, distress signals and MSME payment-delay disclosures - know whether Spencer Complex Private Limited 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 Spencer Complex Private Limited - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Spencer Complex Private Limited an active company?

Spencer Complex Private Limited has MCA status “Active” with a compliance score of 68/100 (Moderate).

Is Spencer Complex Private Limited financially healthy?

Processed financial statements are not yet available for Spencer Complex Private Limited, so its financial health is unassessed.

Should I do business with Spencer Complex Private Limited?

Its overall Trust Score is 82/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Spencer Complex Private Limited?

See the directors and ownership sections above for board and shareholding detail. 2 active director(s) are on record.

Does Spencer Complex Private Limited have loans or charges against its assets?

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

Is Spencer Complex Private Limited up to date with its ROC filings?

Marked ACTIVE non-compliant (INC-22A). Overall compliance score: 68/100 (Moderate).

Is it risky to lend to Spencer Complex Private Limited?

Filed financial statements are needed for a credit view - ask the company for audited statements and bank statements.

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.