Truefin Advisory Services Private Limited - Due diligence report

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

2017-04-21 Kochi, Kerala Active Unlisted Active Compliant
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Truefin — 360° Intelligence Report

Generated from MCA filings & public records
54/100
Trust Score
Moderate

Truefin is assessed as Moderate with a Trust Score of 54/100. Truefin is an active private limited indian non-government company incorporated in 2017, operating in the Financial Services 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 09 Jul 2026 from the latest processed filings. Truefin Advisory Services Private Limited snapshot & full profile →

Financial Health › Caution
Overall Assessment CautionWeakNeutralGoodStrong Neutral
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
54/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
75/100
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 ScoreModerate
70/100
Revenue, profit, asset and hiring momentum.
Distress ScoreCaution Indicated
30/100
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.

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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: 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: 75/100 Low Risk
  • Company status is Active as per MCA.
  • Last balance sheet is for Mar 2022 - filings overdue.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
SAJEEVE JOY 01234567 Director 01/04/2018 6 yrs Approved
SATISHKUMAR CHANDRAN 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 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
1 allotment(s) · 0 transfer(s)

Promoters hold a dominant controlling stake - exact percentages are part of the full report.

Key managerial personnel: SAJEEVE JOY (Managing Director)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 70 · Distress 30
Growth signals & trust indicators
Revenue acceleration: +38% over 2 year(s).
Operating for 9 years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
Negative net worth.
Statutory filings appear overdue.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence55/100
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 assessment40/100
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 record supports lending.
Investor view43/100
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 9 events
30 Sep 2022
Last AGM held
Annual general meeting
31 Mar 2022
Latest balance sheet
Filed with ROC
04 Nov 2019
Director ceased
PADINJARANKUNNATHU THOOMBIL MANIKANDAN
19 Mar 2018
Securities allotted
25000 Equity Shares Without Differential Rights - 2.50 Lakh raised
15 Jan 2018
Director ceased
SAJEEVE JOY
Director ceased
GITANJALI KALLINGAL LAZAR
10 Jan 2018
Director appointed
SAJEEVE JOY (Managing Director)
21 Apr 2017
Incorporated
Registered with Roc Ernakulam
Director appointed
SATISHKUMAR CHANDRAN (Director)
10

Key Observations

Auto-generated from the data above
Revenue grew 1.42 over the last 2 financial year(s).
Net profit margin moved from 2.1x to 24%.
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.
Promoters hold a dominant controlling stake as per the FY 2018 annual return.
Capital has been raised through 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Sri Lakshmi Saraswathi Management Service Private Limited U74120TN2011PTC081563 Chennai, Tamil Nadu, India
Cortlandt Rand Consultancy Private Limited U67120MH1995PTC089656 Mumbai, Maharashtra, India
Digimagnet Communication Private Limited U74999WB2018PTC229363 Bankura, West Bengal, India
Arsb & Associates U74999KL2017PTC049326 Thiruvananthapuram, Kerala, India
Malnad Management Consultancy Private Limited U74999KA2013PTC071258 Shimoga, Karnataka, India
Progress Trusteeship Services Limited. U65991WB2008PLC128266 Kolkata, West Bengal, India
Gomassive U66190UP2017PTC098387 Noida, Uttar Pradesh, India
Zentrac Strategic Management Consulting Private Limited U93000KA2015PTC083913 Bangalore, Karnataka, India
12

Who Uses This Report

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

Verify Truefin before audits and certifications: compliance score 75/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Truefin: 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 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Limited indicators at present. Growth score 70/100, margin trends, ownership structure and peer set for Truefin - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 54/100, distress signals and MSME payment-delay disclosures - know whether Truefin 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 Truefin - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Truefin an active company?

Truefin has MCA status “Active” with a compliance score of 75/100 (Low Risk).

Is Truefin financially healthy?

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

Should I do business with Truefin?

Its overall Trust Score is 54/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Truefin?

Promoters hold a dominant controlling stake - exact percentages are in the full report. 2 active director(s) are on record.

Does Truefin have loans or charges against its assets?

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

Is Truefin up to date with its ROC filings?

Last balance sheet is for Mar 2022 - filings overdue. Overall compliance score: 75/100 (Low Risk).

Is it risky to lend to Truefin?

Its Credit Risk Score is 45/100 (Caution Indicated). 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.