Vico Apparels Pvt Ltd - Due diligence report

A 360° intelligence report on Vico Apparels Pvt Ltd: trust score, financial health, credit view, compliance, directors, growth and distress …

1996-05-21 Kolkata, West Bengal Active Unlisted Active Compliant
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VA Vico Apparels Pvt Ltd
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Vico Apparels Pvt Ltd — 360° Intelligence Report

Generated from MCA filings & public records
77/100
Trust Score
Low Risk

Vico Apparels Pvt Ltd is assessed as Low Risk with a Trust Score of 77/100. Vico Apparels Pvt Ltd is an active private limited indian non-government company incorporated in 1996, operating in the Financial Services sector. Reported revenue has declined 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 moderate financial risk profile.

Report generated on 16 Jul 2026 from the latest processed filings. Vico Apparels Pvt Ltd snapshot & full profile →

Financial Health › Neutral
Overall Assessment CautionWeakNeutralGoodStrong Strong
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 ScoreLow Risk
77/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
90/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreModerate
50/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
60/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
95/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
60/100
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: 60/100 Moderate
  • Negative operating earnings - debt service depends on external support.
  • No open charges - unencumbered balance sheet.
  • Moderate gearing (D/E 38%).
  • Working-capital cover adequate.

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

Compliance Score: 90/100 Low Risk
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • 1 auditor resignation(s) filed - latest: SURANA SINGH RATHI AND CO. on 2024-07-16.
  • 1 active GST registration(s).
05

Director Intelligence

Stability score: 95/100
NameDIN / PANDesignationAppointedTenureDIN status
RADHA KISHAN RATHI 01234567 Director 01/04/2018 6 yrs Approved
BANWARI RATHI 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.
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
1 allotment(s) · 0 transfer(s)

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

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 40 · Distress 60
Growth signals & trust indicators
Operating for 30+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
1 auditor resignation(s) on record - review the stated reasons.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence77/100
Favourable indicators
Suitability as a supplier / customer counterparty.
  • Statutory record is clean.
  • 2 distress signal(s) - see Risk Center.
  • Financial filings available for verification.
Banker assessment64/100
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 view53/100
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 8 events
30 Sep 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
05 May 2023
Director ceased
MANOJ KUMAR RATHI
15 Jun 2021
Director ceased
KISHAN RATHI
31 Mar 2009
Securities allotted
200000.00 Equity Shares - 1.00 cr raised
21 May 1996
Incorporated
Registered with Roc Kolkata I
Director appointed
RADHA KISHAN RATHI (Director)
Director appointed
BANWARI RATHI (Director)
10

Key Observations

Auto-generated from the data above
Revenue declined 1.42 over the last 4 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.
Promoters hold a dominant controlling stake 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 1 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Kanchan Suppliers Pvt Ltd U51109CT2005PTC007939 Bastar, Chattisgarh, India
Snr Realtors Private Limited U70101WB1998PTC092781 Kolkata, West Bengal, India
Radharaman Strips Private Limited U27100DL2011PTC212094 Delhi, Delhi, India
Sumangal Developers Private Limited U45400WB2007PTC118051 Kolkata, West Bengal, India
Carnation Prints Pvt Ltd U18109WB1995PTC067822 Kolkata, West Bengal, India
C.D. Fabrics Private Limited U51909WB2011PTC166465 Kolkata, West Bengal, India
Humid Investments And Traders Pvt Ltd U67120MH1988PTC048764 Mumbai, Maharashtra, India
Tulip Enclave Private Limited U45400WB2011PTC168641 Kolkata, West Bengal, India
12

Who Uses This Report

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

Verify Vico Apparels Pvt Ltd before audits and certifications: compliance score 90/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Vico Apparels Pvt 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: Mixed indicators - deeper appraisal suggested. Credit risk score 60/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Vico Apparels Pvt Ltd - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Favourable indicators. Trust score 77/100, distress signals and MSME payment-delay disclosures - know whether Vico Apparels Pvt 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 Vico Apparels Pvt Ltd - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Vico Apparels Pvt Ltd an active company?

Vico Apparels Pvt Ltd has MCA status “Active” with a compliance score of 90/100 (Low Risk).

Is Vico Apparels Pvt Ltd financially healthy?

Vico Apparels Pvt Ltd has a Financial Health Score of 50/100 (Moderate) based on its filed financial statements.

Should I do business with Vico Apparels Pvt Ltd?

Its overall Trust Score is 77/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Vico Apparels Pvt Ltd?

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

Does Vico Apparels Pvt Ltd have loans or charges against its assets?

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

Is Vico Apparels Pvt Ltd up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 90/100 (Low Risk).

Is it risky to lend to Vico Apparels Pvt Ltd?

Its Credit Risk Score is 60/100 (Moderate). 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.