Kredit Lab — Statement Intelligence

CONTOH INDUSTRI SDN BHD Kredit Lab v6.3.5

2026-01-01 to 2026-06-28 · 6 months · 206 transactions

RM 13,471,345

Net Credits

RM 13,080,316

Net Debits

RM 26,942,689

Annualized

RM 1,006,851

Avg EOD

5/16

Flags

Maybank Current

A/C: 000012345678

CONTOH INDUSTRI SDN BHD

Opening

RM 312,640.18

Closing

RM 729,409.07

Credits

RM 13,497,085.00

Debits

RM 13,080,316.11

Transactions

206

Known Related Parties

PLENVIK FABRICATION (Affiliate)

Possible Related Parties — Analyst to Confirm

These individuals show some related-party signals but did not meet the auto-confirm threshold, so they are not excluded from any figure. Review each and confirm in the analysis step if genuinely related.

Party	Confidence	Debits	Credits	Why flagged
NORQUEL WORKSHOP	LOW	RM 379,392.89	RM 0.00	DR over 6 months

Net Credits vs Debits (Monthly)

EOD Balance Range (Monthly)

Consolidated Summary

13,497,085

Gross Credits

13,080,316

Gross Debits

13,471,345

Net Credits

13,080,316

Net Debits

26,942,689

Annualized Cr

26,160,632

Annualized Dr

Exclusions from Credits

Own Party	0.00
Related Party	0.00
Reversals	0.00
Loan Disbursements	0.00
FD/Interest	7,280.41
Inward Return (C16)	18,460.00

Exclusions from Debits

Own Party

0.00

FX / Remittance Summary

FX Credits (0.0% of Gross)

FX Debits (0.0% of Gross)

None

Currencies

Positive Observations

All months reconciled to bank statements within tolerance.
EPF and SOCSO fully covered across 6 salary months.
Net credits of RM 13,471,344.59 indicate active turnover.

Concerns

Unclassified rows: CR RM 8,651,863.48 / DR RM 487,851.15 — V1 deferred categories.
Round Figure Credits (AML): 2 round-figure credits totalling RM 100,000.00.
Cash Deposits (AML): 6 cash deposits totalling RM 32,550.87 (0.2% of gross credits).

Monthly Cash Flow Breakdown

Month / Account	Status	Open Bal	Gross Cr	Gross Dr	Net Cr	Net Dr	Close Bal	Cr #	Dr #	RP Dr	FD/Int	Cash Dep	Cash Wdl	Loan Repay	Salary	EPF	SOCSO	Tax	Ret Chq #	Round Fig	EOD Low	EOD High	EOD Avg	Own Cr #	Own Dr #	RP Cr #	RP Dr #	Loan #	Inward Ret	Uncl Cr #	Uncl Cr Amt	Uncl Dr #	Uncl Dr Amt
2026-01	✓ PASS	312,640.18	2,115,197.76	2,071,141.54	2,115,197.76	2,071,141.54	356,696.40	9	25	339,638.23	0.00	6,849.64	2,000.12	54,100.00	378,126.77	41,949.64	5,339.92	32,000.00	0	0.00	258,540.18	1,643,145.48	948,263.28	0	0	0	2	3	0.00	5	1,345,407.13	4	74,437.36
2026-02	✓ PASS	356,696.40	2,264,751.60	2,219,335.09	2,264,751.60	2,219,335.09	402,112.91	10	24	373,915.99	0.00	6,850.21	1,999.55	54,100.00	395,206.71	42,099.66	5,339.78	32,000.00	0	60,000.00	318,976.40	1,797,012.29	1,046,991.16	0	0	0	2	3	0.00	6	1,464,117.90	4	82,085.85
2026-03	✓ PASS	402,112.91	2,347,585.11	2,267,430.81	2,325,484.85	2,267,430.81	482,267.21	11	25	388,345.09	3,640.26	3,900.37	2,999.51	54,100.00	394,462.73	42,250.35	5,339.64	32,000.00	0	0.00	382,112.91	1,601,428.66	979,471.78	0	0	0	2	3	18,460.00	5	1,499,334.98	4	86,489.04
2026-04	✓ PASS	482,267.21	1,999,490.60	2,017,562.02	1,999,490.60	2,017,562.02	464,195.79	9	25	345,370.58	0.00	4,200.40	3,000.41	54,100.00	375,561.05	42,400.34	5,340.16	32,000.00	0	0.00	131,595.96	973,570.30	565,475.88	0	0	0	2	3	0.00	5	1,298,748.30	4	77,066.97
2026-05	✓ PASS	464,195.79	2,470,530.79	2,294,681.28	2,470,530.79	2,294,681.28	640,045.30	10	24	390,794.18	0.00	6,850.41	2,999.66	54,100.00	400,445.19	42,549.74	5,339.58	32,000.00	0	40,000.00	444,195.79	2,103,255.98	1,408,282.95	0	0	0	2	3	0.00	6	1,559,464.33	4	84,953.71
2026-06	✓ PASS	640,045.30	2,299,529.14	2,210,165.37	2,295,888.99	2,210,165.37	729,409.07	10	24	359,080.13	3,640.15	3,899.84	1,999.75	54,100.00	400,749.98	42,700.25	5,340.47	32,000.00	0	0.00	620,045.30	1,726,110.43	1,092,618.60	0	0	0	2	3	0.00	5	1,484,790.84	4	82,818.22
TOTAL	ALL PASS	-	13,497,085.00	13,080,316.11	13,471,344.59	13,080,316.11	-	-	-	2,197,144.20	7,280.41	32,550.87	14,999.00	324,600.00	2,344,552.43	253,949.98	32,039.55	192,000.00	0.00	100,000.00	131,595.96	2,103,255.98	1,006,850.61	-	-	-	-	-	18,460.00	-	8,651,863.48	-	487,851.15

Net Credits = Gross Credits - Own Party - Related Party - Reversals - Loan Disbursements - FD/Interest - Inward Return (C16) | Net Debits = Gross Debits - Own Party (C02) | Count columns Unclassified columns (v6.3.0)

Top 10 Payers (Income)

#	Party	Amount (RM)	Txns
1	VORNEX PETROCHEM Jan: 625KFeb: 663KMar: 696KApr: 593KMay: 727KJun: 736K	RM 4,040,857.99	12
2	KALTERA PLANTATION Jan: 453KFeb: 484KMar: 505KApr: 457KMay: 519KJun: 473K	RM 2,890,739.35	12
3	BRIMSA UTILITIES BHD Jan: 381KFeb: 429KMar: 384KApr: 348KMay: 454KJun: 435K	RM 2,430,617.57	6
4	QUOLTEN PROCESS Jan: 267KFeb: 257KMar: 299KApr: 248KMay: 274KJun: 276K	RM 1,620,266.14	6
5	TESSARO PACKAGING SDN BHD Jan: 226KFeb: 197KMar: 245KApr: 188KMay: 259KJun: 203K	RM 1,318,697.99	6
6	DUVORA ENTERPRISE Jan: 156KFeb: 167KMar: 194KApr: 161KMay: 191KJun: 169K	RM 1,037,614.68	6
7	ADVANCE REPAYMENT Feb: 60KMay: 40K	RM 100,000.00	2

Top 10 Payees (Outflow)

#	Party	Amount (RM)	Txns
1	ZENTRAVA STEEL SDN BHD Jan: 535KFeb: 578KMar: 572KApr: 486KMay: 570KJun: 563K	RM 3,304,749.91	12
2	PLENVIK FABRICATION Jan: 340KFeb: 374KMar: 388KApr: 345KMay: 391KJun: 359K	RM 2,197,144.20	12
3	KORVELO METALS SDN BHD Jan: 293KFeb: 337KMar: 330KApr: 301KMay: 364KJun: 347K	RM 1,972,153.11	12
4	SITE WAGES Jan: 251KFeb: 267KMar: 266KApr: 246KMay: 270KJun: 269K	RM 1,569,652.16	6
5	HALVENT EQUIPMENT SDN BHD Jan: 119KFeb: 118KMar: 132KApr: 115KMay: 133KJun: 128K	RM 745,284.31	6
6	OSTREM LOGISTICS ENTERPRISE Jan: 117KFeb: 115KMar: 123KApr: 106KMay: 131KJun: 118K	RM 710,504.86	6
7	JELMAR HARDWARE TRADING Jan: 75KFeb: 85KMar: 104KApr: 69KMay: 83KJun: 75K	RM 491,983.25	7
8	NORQUEL WORKSHOP Jan: 57KFeb: 64KMar: 69KApr: 59KMay: 67KJun: 65K	RM 379,392.89	6
9	FPX KWSP EPF CONTRIBUTION Jan: 42KFeb: 42KMar: 42KApr: 42KMay: 43KJun: 43K	RM 253,949.98	6
10	FPX LHDN CP204 TAX INSTALMENT Jan: 32KFeb: 32KMar: 32KApr: 32KMay: 32KJun: 32K	RM 192,000.00	6

RP = Related Party

Large Credits (≥ RM 10,000)

51 transactions

Date	Description	Amount (RM)	Balance
2026-01-08	RENTAS CREDIT 893694 BRIMSA UTILITIES BERHAD	RM 380,922.13	639,462.31
2026-01-09	DUITNOW TRSF CR 580656 KALTERA PLANTATION SDN BHD	RM 233,159.85	872,622.16
2026-01-09	DUITNOW TRSF CR 825317 QUOLTEN PROCESS SDN BHD	RM 266,995.42	1,139,617.58
2026-01-12	DUITNOW TRSF CR 905376 VORNEX PETROCHEM SDN BHD	RM 313,386.94	1,219,876.49
2026-01-16	IBG CREDIT 180180 TESSARO PACKAGING SDN BHD	RM 225,707.24	1,319,139.66
2026-01-16	DUITNOW TRSF CR 395319 DUVORA ENTERPRISE	RM 156,311.62	1,475,451.28
2026-01-18	RENTAS CREDIT 108827 KALTERA PLANTATION SDN BHD	RM 219,950.88	1,638,295.96
2026-01-25	DUITNOW TRSF CR 694104 VORNEX PETROCHEM SDN BHD	RM 311,914.04	1,412,208.34
2026-02-04	IBG CREDIT 540812 QUOLTEN PROCESS SDN BHD	RM 256,576.61	575,553.01
2026-02-04	INTERBANK GIRO CR 593829 TESSARO PACKAGING SDN BHD	RM 197,487.64	773,040.65
2026-02-05	IBG CREDIT 951840 BRIMSA UTILITIES BERHAD	RM 429,279.27	1,202,319.92
2026-02-07	IBG CREDIT 717999 DUVORA ENTERPRISE	RM 167,016.58	1,195,039.47
2026-02-09	DUITNOW TRSF CR 537221 VORNEX PETROCHEM SDN BHD	RM 334,984.61	1,034,656.08
2026-02-09	DUITNOW TRSF CR 182447 VORNEX PETROCHEM SDN BHD	RM 328,183.68	1,362,839.76
2026-02-12	IBG CREDIT 874898 KALTERA PLANTATION SDN BHD	RM 245,462.09	1,558,101.38
2026-02-13	RENTAS CREDIT 250461 KALTERA PLANTATION SDN BHD	RM 238,910.91	1,797,012.29
2026-02-17	DUITNOW TRSF CR 953602 DIRECTOR A ADVANCE REPAYMENT	RM 60,000.00	1,471,379.48
2026-03-02	IBG CREDIT 951631 VORNEX PETROCHEM SDN BHD	RM 367,001.56	749,114.47
2026-03-04	INTERBANK GIRO CR 581604 KALTERA PLANTATION SDN BHD	RM 258,606.20	990,000.67
2026-03-05	RENTAS CREDIT 134302 DUVORA ENTERPRISE	RM 193,895.56	1,183,896.23
2026-03-08	DUITNOW TRSF CR 194638 BRIMSA UTILITIES BERHAD	RM 383,764.71	1,302,423.54
2026-03-08	INTERBANK GIRO CR 922725 QUOLTEN PROCESS SDN BHD	RM 299,005.12	1,601,428.66
2026-03-12	RENTAS CREDIT 146052 TESSARO PACKAGING SDN BHD	RM 244,589.23	1,604,068.24
2026-03-14	IBG INWARD RETURN 702391 JELMAR HARDWARE TRADING ACCOUNT CLOSED	RM 18,460.00	1,314,370.59
2026-03-24	RENTAS CREDIT 692658 KALTERA PLANTATION SDN BHD	RM 245,924.83	1,060,293.07
2026-03-26	IBG CREDIT 731727 VORNEX PETROCHEM SDN BHD	RM 328,797.27	944,799.38
2026-04-02	RENTAS CREDIT 320542 VORNEX PETROCHEM SDN BHD	RM 285,761.72	748,028.93
2026-04-08	DUITNOW TRSF CR 386424 VORNEX PETROCHEM SDN BHD	RM 307,503.65	710,854.19
2026-04-09	DUITNOW TRSF CR 106485 DUVORA ENTERPRISE	RM 160,935.30	756,319.59
2026-04-16	DUITNOW TRSF CR 394795 QUOLTEN PROCESS SDN BHD	RM 248,000.97	379,596.93
2026-04-17	INTERBANK GIRO CR 401786 KALTERA PLANTATION SDN BHD	RM 246,408.72	626,005.65
2026-04-18	RENTAS CREDIT 626451 BRIMSA UTILITIES BERHAD	RM 347,564.65	973,570.30
2026-04-21	RENTAS CREDIT 161631 TESSARO PACKAGING SDN BHD	RM 188,041.95	984,278.98
2026-04-24	INTERBANK GIRO CR 981505 KALTERA PLANTATION SDN BHD	RM 211,073.24	945,979.50
2026-05-03	IBG CREDIT 823727 TESSARO PACKAGING SDN BHD	RM 259,410.55	703,606.34
2026-05-05	INTERBANK GIRO CR 406569 VORNEX PETROCHEM SDN BHD	RM 350,722.26	1,036,608.60
2026-05-06	RENTAS CREDIT 542548 QUOLTEN PROCESS SDN BHD	RM 273,727.23	1,310,335.83
2026-05-07	RENTAS CREDIT 454056 VORNEX PETROCHEM SDN BHD	RM 376,383.20	1,693,569.44
2026-05-07	DUITNOW TRSF CR 154149 KALTERA PLANTATION SDN BHD	RM 237,767.09	1,931,336.53
2026-05-14	RENTAS CREDIT 554607 KALTERA PLANTATION SDN BHD	RM 280,864.55	1,960,318.28
2026-05-15	INTERBANK GIRO CR 750609 DUVORA ENTERPRISE	RM 190,827.02	2,103,255.98
2026-05-19	DUITNOW TRSF CR 555034 DIRECTOR A ADVANCE REPAYMENT	RM 40,000.00	1,822,601.15
2026-05-24	DUITNOW TRSF CR 296933 BRIMSA UTILITIES BERHAD	RM 453,978.48	1,689,761.91
2026-06-02	INTERBANK GIRO CR 465656 VORNEX PETROCHEM SDN BHD	RM 370,816.57	990,861.87
2026-06-05	DUITNOW TRSF CR 683219 KALTERA PLANTATION SDN BHD	RM 227,892.24	1,201,034.11
2026-06-07	INTERBANK GIRO CR 181964 QUOLTEN PROCESS SDN BHD	RM 275,960.79	1,223,194.42
2026-06-09	RENTAS CREDIT 199742 DUVORA ENTERPRISE	RM 168,628.60	1,373,443.27
2026-06-11	RENTAS CREDIT 592580 VORNEX PETROCHEM SDN BHD	RM 365,402.49	1,530,429.44
2026-06-11	DUITNOW TRSF CR 985571 TESSARO PACKAGING SDN BHD	RM 203,461.38	1,733,890.82
2026-06-16	IBG CREDIT 490100 KALTERA PLANTATION SDN BHD	RM 244,718.75	1,186,222.86
2026-06-19	DUITNOW TRSF CR 629232 BRIMSA UTILITIES BERHAD	RM 435,108.33	1,357,840.90

Counterparty Ledger

Total Counterparties

Pattern matched

Special bucket

Raw fallback

Counterparty

Credits (RM)

Debits (RM)

Net Position

Txns

▶ VORNEX PETROCHEM

4,040,857.99 (12)

0.00 (0)

4,040,857.99

▶ ZENTRAVA STEEL SDN BHD

0.00 (0)

3,304,749.91 (12)

-3,304,749.91

▶ KALTERA PLANTATION

2,890,739.35 (12)

0.00 (0)

2,890,739.35

▶ BRIMSA UTILITIES BHD

2,430,617.57 (6)

0.00 (0)

2,430,617.57

▶ PLENVIK FABRICATION RP

0.00 (0)

2,197,144.20 (12)

-2,197,144.20

▶ KORVELO METALS SDN BHD

0.00 (0)

1,972,153.11 (12)

-1,972,153.11

▶ QUOLTEN PROCESS

1,620,266.14 (6)

0.00 (0)

1,620,266.14

▶ SITE WAGES

0.00 (0)

1,569,652.16 (6)

-1,569,652.16

▶ TESSARO PACKAGING SDN BHD

1,318,697.99 (6)

0.00 (0)

1,318,697.99

▶ DUVORA ENTERPRISE

1,037,614.68 (6)

0.00 (0)

1,037,614.68

▶ BULK SALARY

0.00 (0)

774,900.27 (6)

-774,900.27

▶ HALVENT EQUIPMENT SDN BHD

0.00 (0)

745,284.31 (6)

-745,284.31

▶ OSTREM LOGISTICS ENTERPRISE

0.00 (0)

710,504.86 (6)

-710,504.86

▶ JELMAR HARDWARE TRADING

0.00 (0)

491,983.25 (7)

-491,983.25

▶ NORQUEL WORKSHOP

0.00 (0)

379,392.89 (6)

-379,392.89

▶ LOAN REPAYMENT

0.00 (0)

324,600.00 (18)

-324,600.00

▶ FPX KWSP EPF CONTRIBUTION

0.00 (0)

253,949.98 (6)

-253,949.98

▶ FPX LHDN CP204 TAX INSTALMENT

0.00 (0)

192,000.00 (6)

-192,000.00

▶ ADVANCE REPAYMENT

100,000.00 (2)

0.00 (0)

100,000.00

▶ JOMPAY TENAGA

0.00 (0)

56,653.36 (6)

-56,653.36

▶ INSURANCE PREMIUM

0.00 (0)

46,680.40 (6)

-46,680.40

▶ CASH DEPOSIT

32,550.87 (6)

0.00 (0)

32,550.87

▶ FPX PERKESO SOCSO EIS

0.00 (0)

32,039.55 (6)

-32,039.55

▶ INWARD RETURN

18,460.00 (1)

0.00 (0)

18,460.00

▶ CASH WITHDRAWAL

0.00 (0)

14,999.00 (6)

-14,999.00

▶ FPX HRDF PSMB LEVY

0.00 (0)

7,900.32 (2)

-7,900.32

▶ FD/INTEREST

7,280.41 (2)

0.00 (0)

7,280.41

▶ JOMPAY WATER

0.00 (0)

5,124.50 (6)

-5,124.50

▶ BANK FEES

0.00 (0)

604.04 (12)

-604.04

Own & Related Party Transactions

Own Party Cr txns

Own Party Dr txns

Related Party Cr txns

Related Party Dr txns

Date	Description	Amount (RM)	Type	Party Type	Party Name
2026-01-11	DUITNOW TRSF DR 329970 PLENVIK FABRICATION SDN BHD	RM 183,796.87	DEBIT	RELATED	PLENVIK FABRICATION
2026-01-25	DUITNOW TRSF DR 630790 PLENVIK FABRICATION SDN BHD	RM 155,841.36	DEBIT	RELATED	PLENVIK FABRICATION
2026-02-07	DUITNOW TRSF DR 520101 PLENVIK FABRICATION SDN BHD	RM 179,443.35	DEBIT	RELATED	PLENVIK FABRICATION
2026-02-14	IBG DEBIT 834474 PLENVIK FABRICATION SDN BHD	RM 194,472.64	DEBIT	RELATED	PLENVIK FABRICATION
2026-03-11	DUITNOW TRSF DR 965937 PLENVIK FABRICATION SDN BHD	RM 195,973.69	DEBIT	RELATED	PLENVIK FABRICATION
2026-03-25	IBG DEBIT 986146 PLENVIK FABRICATION SDN BHD	RM 192,371.40	DEBIT	RELATED	PLENVIK FABRICATION
2026-04-07	RENTAS DEBIT 142211 PLENVIK FABRICATION SDN BHD	RM 168,037.31	DEBIT	RELATED	PLENVIK FABRICATION
2026-04-19	IBG DEBIT 306232 PLENVIK FABRICATION SDN BHD	RM 177,333.27	DEBIT	RELATED	PLENVIK FABRICATION
2026-05-08	DUITNOW TRSF DR 694370 PLENVIK FABRICATION SDN BHD	RM 185,151.93	DEBIT	RELATED	PLENVIK FABRICATION
2026-05-26	DUITNOW TRSF DR 983927 PLENVIK FABRICATION SDN BHD	RM 205,642.25	DEBIT	RELATED	PLENVIK FABRICATION
2026-06-17	RENTAS DEBIT 879075 PLENVIK FABRICATION SDN BHD	RM 192,476.52	DEBIT	RELATED	PLENVIK FABRICATION
2026-06-26	IBG DEBIT 586218 PLENVIK FABRICATION SDN BHD	RM 166,603.61	DEBIT	RELATED	PLENVIK FABRICATION

Total Disbursements

324,600

Total Repayments

Disbursement Txns

Repayment Txns

Disbursements (Credits)

Date	Description	Amount	Category
No disbursements

Repayments (Debits)

Date	Description	Amount	Category
2026-01-01	TERM LOAN REPAYMENT BANK A TERM LOAN I	RM 20,000.00	loan_repayment
2026-01-03	FINANCING REPAYMENT BANK B TERM LOAN II	RM 17,720.00	loan_repayment
2026-01-07	HIRE PURCHASE MONTHLY INSTALMENT	RM 16,380.00	loan_repayment
2026-02-01	TERM LOAN REPAYMENT BANK A TERM LOAN I	RM 20,000.00	loan_repayment
2026-02-03	FINANCING REPAYMENT BANK B TERM LOAN II	RM 17,720.00	loan_repayment
2026-02-07	HIRE PURCHASE MONTHLY INSTALMENT	RM 16,380.00	loan_repayment
2026-03-01	TERM LOAN REPAYMENT BANK A TERM LOAN I	RM 20,000.00	loan_repayment
2026-03-03	FINANCING REPAYMENT BANK B TERM LOAN II	RM 17,720.00	loan_repayment
2026-03-07	HIRE PURCHASE MONTHLY INSTALMENT	RM 16,380.00	loan_repayment
2026-04-01	TERM LOAN REPAYMENT BANK A TERM LOAN I	RM 20,000.00	loan_repayment
2026-04-03	FINANCING REPAYMENT BANK B TERM LOAN II	RM 17,720.00	loan_repayment
2026-04-07	HIRE PURCHASE MONTHLY INSTALMENT	RM 16,380.00	loan_repayment
2026-05-01	TERM LOAN REPAYMENT BANK A TERM LOAN I	RM 20,000.00	loan_repayment
2026-05-03	FINANCING REPAYMENT BANK B TERM LOAN II	RM 17,720.00	loan_repayment
2026-05-07	HIRE PURCHASE MONTHLY INSTALMENT	RM 16,380.00	loan_repayment
2026-06-01	TERM LOAN REPAYMENT BANK A TERM LOAN I	RM 20,000.00	loan_repayment
2026-06-03	FINANCING REPAYMENT BANK B TERM LOAN II	RM 17,720.00	loan_repayment
2026-06-07	HIRE PURCHASE MONTHLY INSTALMENT	RM 16,380.00	loan_repayment

Possible Facility Rows — Review

2 rows

Rows that look like loan / financing / instalment activity but were classified as neither facility (C10/C11) nor related-party (C03/C04) — typically a bank memo format the classifier does not yet enumerate. Surfaced so a genuine facility is never silently dropped; the analyst confirms whether each is the company’s own facility or a personal / related-party loan.

Date	Description	Amount	Side	Account
2026-02-17	DUITNOW TRSF CR 953602 DIRECTOR A ADVANCE REPAYMENT	RM 60,000.00	CR	000012345678
2026-05-19	DUITNOW TRSF CR 555034 DIRECTOR A ADVANCE REPAYMENT	RM 40,000.00	CR	000012345678

Statutory Compliance

COMPLIANT

6/6

EPF Coverage (100%)

6/6

SOCSO Coverage (100%)

LHDN (months paid)

RM 192,000

HRDF (months paid)

RM 7,900

EPF Monthly Ratios (target 8–16%)

Month	EPF	Salary	Ratio	Status
2026-01	41,949.64	378,126.77	11.09%	OK
2026-02	42,099.66	395,206.71	10.65%	WARNING
2026-03	42,250.35	394,462.73	10.71%	WARNING
2026-04	42,400.34	375,561.05	11.29%	OK
2026-05	42,549.74	400,445.19	10.63%	WARNING
2026-06	42,700.25	400,749.98	10.66%	WARNING

SOCSO Monthly Ratios (target 1–5%)

Month	SOCSO	Salary	Ratio	Status
2026-01	5,339.92	378,126.77	1.41%	OK
2026-02	5,339.78	395,206.71	1.35%	OK
2026-03	5,339.64	394,462.73	1.35%	OK
2026-04	5,340.16	375,561.05	1.42%	OK
2026-05	5,339.58	400,445.19	1.33%	OK
2026-06	5,340.47	400,749.98	1.33%	OK

Employer Footprint Checks

Sub-threshold employer check

Salary detected: RM 2,344,552.43

Total salary RM 2,344,552.43 above sub-threshold.

Channel-blind employer check

Cheque DR: RM 14,999.00 (0.1% of gross DR RM 13,080,316.11)

Cheque-DR RM 14,999.00 (0.1% of gross DR) below channel-blind thresholds.

Risk Signals

5 of 16 detected

#	Signal	Status	Remarks
1	Returned Cheques (Inward)	NO	No inward returned cheques in the period.
2	Returned Cheques (Outward)	NO	No outward returned cheques in the period.
3	Round Figure Credits (AML)	YES	2 round-figure credits totalling RM 100,000.00.
4	High Value Credits (>3x EOD)	NO	No credits exceeded 3x daily EOD.
5	Cash Deposits (AML)	YES	6 cash deposits totalling RM 32,550.87 (0.2% of gross credits).
6	EPF Compliance	NO	EPF coverage 100% across salary months.
7	SOCSO Compliance	NO	SOCSO coverage 100% across salary months.
8	LHDN Tax Payments	NO	LHDN payments detected: 6 tx totalling RM 192,000.00 (PCB/CP204/SST — schedules differ; informational only).
9	Large Credits (>=RM100K)	YES	51 large credits (>=RM100K) totalling RM 13,457,253.72.
10	Own Party Transactions	NO	No own-party transactions detected.
11	Related Party Transactions	YES	Related-party CR RM 0.00 (0.0% of gross credits); DR RM 2,197,144.20 (16.8% of gross debits). Parties: (no canonical names provided).
12	Loan Activity	YES	Loan disbursements RM 0.00; loan repayments RM 324,600.00. 2 loan-shaped row(s) unclassified — review.
13	Data Quality	NO	Statement data complete across the period.
14	FX Transactions	NO	No FX (foreign-currency) activity detected.
15	Low Closing Balance	NO	Closing balance stayed at or above RM 1,000.00 every month.
16	HRDF Payments	NO	HRDF payments detected: 2 tx totalling RM 7,900.32 (informational; no coverage ratio computed).

Round Figure Credits (AML) — Detail

2 transactions

Credits that are exact round multiples (Flag 3). Listed so the analyst can trace each back to the statement before treating it as anomalous — round contract payments are common for service operators.

Date	Description	Amount (RM)	Balance
2026-02-17	DUITNOW TRSF CR 953602 DIRECTOR A ADVANCE REPAYMENT	RM 60,000.00	1,471,379.48
2026-05-19	DUITNOW TRSF CR 555034 DIRECTOR A ADVANCE REPAYMENT	RM 40,000.00	1,822,601.15

FX Classification Methodology

Transactions are classified as FX only when there is clear evidence of foreign currency conversion. Key rules:

Default rule: NOT classified as FX unless clear conversion evidence exists
TT CREDIT = Telegraphic Transfer (payment method), NOT a currency indicator
RENTAS / JANM = Domestic MYR-to-MYR interbank transfers (Real-time Electronic Transfer of Funds and Securities)
Voucher codes (GBPV, USDP) in reference fields = internal bank numbering, not currency denominations
True FX requires: conversion rate, foreign currency amount, SWIFT codes, or foreign beneficiary with non-MYR amounts

FX Credits (Total)

FX Debits (Total)

0.0%

FX Cr % of Gross

0.0%

FX Dr % of Gross

None detected

Currencies Detected

FX / Remittance Trend

Monthly FX Breakdown

Month	FX Cr Amount	FX Dr Amount	Currencies
2026-01	RM 0.00	RM 0.00	-
2026-02	RM 0.00	RM 0.00	-
2026-03	RM 0.00	RM 0.00	-
2026-04	RM 0.00	RM 0.00	-
2026-05	RM 0.00	RM 0.00	-
2026-06	RM 0.00	RM 0.00	-

What are Unclassified Transactions?

These are transactions whose descriptions are too vague or do not match any known classification rule. Unclassified credits remain in Net Credits and unclassified debits remain in Net Debits — they are NOT excluded. This section highlights them for analyst review.

RM 8,651,863

Unclassified Credits

RM 487,851

Unclassified Debits

Credit Txn Count

Debit Txn Count

Monthly Breakdown

Month	Uncl Cr #	Uncl Cr Amt	Uncl Dr #	Uncl Dr Amt	% of Net Cr
2026-01	5	RM 1,345,407.13	4	RM 74,437.36	63.6%
2026-02	6	RM 1,464,117.90	4	RM 82,085.85	64.6%
2026-03	5	RM 1,499,334.98	4	RM 86,489.04	64.5%
2026-04	5	RM 1,298,748.30	4	RM 77,066.97	65.0%
2026-05	6	RM 1,559,464.33	4	RM 84,953.71	63.1%
2026-06	5	RM 1,484,790.84	4	RM 82,818.22	64.7%

Individual Unclassified Transactions (≥ RM 10,000)

38 transactions

Date	Description	Amount	Type
2026-01-09	DUITNOW TRSF CR 580656 KALTERA PLANTATION SDN BHD	RM 233,159.85	CREDIT
2026-01-09	DUITNOW TRSF CR 825317 QUOLTEN PROCESS SDN BHD	RM 266,995.42	CREDIT
2026-01-12	DUITNOW TRSF CR 905376 VORNEX PETROCHEM SDN BHD	RM 313,386.94	CREDIT
2026-01-17	IBG DEBIT 870751 NORQUEL WORKSHOP SDN BHD	RM 57,106.20	DEBIT
2026-01-18	RENTAS CREDIT 108827 KALTERA PLANTATION SDN BHD	RM 219,950.88	CREDIT
2026-01-25	DUITNOW TRSF CR 694104 VORNEX PETROCHEM SDN BHD	RM 311,914.04	CREDIT
2026-02-04	IBG CREDIT 540812 QUOLTEN PROCESS SDN BHD	RM 256,576.61	CREDIT
2026-02-09	DUITNOW TRSF CR 537221 VORNEX PETROCHEM SDN BHD	RM 334,984.61	CREDIT
2026-02-09	DUITNOW TRSF CR 182447 VORNEX PETROCHEM SDN BHD	RM 328,183.68	CREDIT
2026-02-12	IBG CREDIT 874898 KALTERA PLANTATION SDN BHD	RM 245,462.09	CREDIT
2026-02-13	RENTAS CREDIT 250461 KALTERA PLANTATION SDN BHD	RM 238,910.91	CREDIT
2026-02-14	IBG DEBIT 727946 NORQUEL WORKSHOP SDN BHD	RM 63,885.38	DEBIT
2026-02-17	DUITNOW TRSF CR 953602 DIRECTOR A ADVANCE REPAYMENT	RM 60,000.00	CREDIT
2026-03-02	IBG CREDIT 951631 VORNEX PETROCHEM SDN BHD	RM 367,001.56	CREDIT
2026-03-04	INTERBANK GIRO CR 581604 KALTERA PLANTATION SDN BHD	RM 258,606.20	CREDIT
2026-03-08	INTERBANK GIRO CR 922725 QUOLTEN PROCESS SDN BHD	RM 299,005.12	CREDIT
2026-03-24	RENTAS CREDIT 692658 KALTERA PLANTATION SDN BHD	RM 245,924.83	CREDIT
2026-03-26	IBG CREDIT 731727 VORNEX PETROCHEM SDN BHD	RM 328,797.27	CREDIT
2026-03-27	IBG DEBIT 857378 NORQUEL WORKSHOP SDN BHD	RM 68,612.71	DEBIT
2026-04-02	RENTAS CREDIT 320542 VORNEX PETROCHEM SDN BHD	RM 285,761.72	CREDIT
2026-04-08	DUITNOW TRSF CR 386424 VORNEX PETROCHEM SDN BHD	RM 307,503.65	CREDIT
2026-04-10	DUITNOW TRSF DR 473461 NORQUEL WORKSHOP SDN BHD	RM 58,550.07	DEBIT
2026-04-16	DUITNOW TRSF CR 394795 QUOLTEN PROCESS SDN BHD	RM 248,000.97	CREDIT
2026-04-17	INTERBANK GIRO CR 401786 KALTERA PLANTATION SDN BHD	RM 246,408.72	CREDIT
2026-04-24	INTERBANK GIRO CR 981505 KALTERA PLANTATION SDN BHD	RM 211,073.24	CREDIT
2026-05-05	INTERBANK GIRO CR 406569 VORNEX PETROCHEM SDN BHD	RM 350,722.26	CREDIT
2026-05-06	RENTAS CREDIT 542548 QUOLTEN PROCESS SDN BHD	RM 273,727.23	CREDIT
2026-05-07	RENTAS CREDIT 454056 VORNEX PETROCHEM SDN BHD	RM 376,383.20	CREDIT
2026-05-07	DUITNOW TRSF CR 154149 KALTERA PLANTATION SDN BHD	RM 237,767.09	CREDIT
2026-05-14	RENTAS CREDIT 554607 KALTERA PLANTATION SDN BHD	RM 280,864.55	CREDIT
2026-05-19	DUITNOW TRSF CR 555034 DIRECTOR A ADVANCE REPAYMENT	RM 40,000.00	CREDIT
2026-05-25	DUITNOW TRSF DR 958567 NORQUEL WORKSHOP SDN BHD	RM 66,602.84	DEBIT
2026-06-02	INTERBANK GIRO CR 465656 VORNEX PETROCHEM SDN BHD	RM 370,816.57	CREDIT
2026-06-05	DUITNOW TRSF CR 683219 KALTERA PLANTATION SDN BHD	RM 227,892.24	CREDIT
2026-06-07	INTERBANK GIRO CR 181964 QUOLTEN PROCESS SDN BHD	RM 275,960.79	CREDIT
2026-06-11	RENTAS CREDIT 592580 VORNEX PETROCHEM SDN BHD	RM 365,402.49	CREDIT
2026-06-16	IBG CREDIT 490100 KALTERA PLANTATION SDN BHD	RM 244,718.75	CREDIT
2026-06-22	DUITNOW TRSF DR 710924 NORQUEL WORKSHOP SDN BHD	RM 64,635.69	DEBIT

100.0%

Success Rate

206

Txns Extracted

6/6

Balance Checks Passed

Extraction Gaps

RM 0

Missing Debits

RM 0

Missing Credits

Balance Reconciliation Detail

Month	Account	Opening Balance	Gross Credits	Gross Debits	Expected Closing	Actual Closing	Status	Txns	Gaps
2026-01	000012345678	312,640.18	2,115,197.76	2,071,141.54	356,696.40	356,696.40	PASS	34	—
2026-02	000012345678	356,696.40	2,264,751.60	2,219,335.09	402,112.91	402,112.91	PASS	34	—
2026-03	000012345678	402,112.91	2,347,585.11	2,267,430.81	482,267.21	482,267.21	PASS	36	—
2026-04	000012345678	482,267.21	1,999,490.60	2,017,562.02	464,195.79	464,195.79	PASS	34	—
2026-05	000012345678	464,195.79	2,470,530.79	2,294,681.28	640,045.30	640,045.30	PASS	34	—
2026-06	000012345678	640,045.30	2,299,529.14	2,210,165.37	729,409.07	729,409.07	PASS	34	—

Classification Configuration

Schema Version6.3.5

Rulebook Versionv3.5

Execution ModeFULL_CODE

Factoring Entities MatchedNone in this statement

Formula Validation Checks (V1–V6)

ID	Check	Severity	Status	Remarks
V1	Net Credits = Gross - Exclusions	BLOCKING	PASS	Delta: RM 0.00
V2	Net Debits = Gross - Own Party (C02)	BLOCKING	PASS	Delta: RM 0.00
V3	EPF/Salary ratio 8-16%	WARNING	PASS	10.8%
V4	SOCSO/Salary ratio 1-5%	WARNING	PASS	1.4%
V5	C02+C11 dual-tag exclusion	BLOCKING	PASS	Single deduction via C02
V6	Monthly net_cr sum = consolidated	BLOCKING	PASS	Delta: RM 0.00

—

PDFs Analyzed

—

Total Checks

—

HIGH Findings

—

MEDIUM Findings