Frattro Limited

02804536

active

Private Limited Company

Companies House

Health Score

70 / 100

Some Concerns

30/30

Filing

10/30

Financial

30/40

Risk

Current liabilities exceed current assets (-10)
36 outstanding charges (-10)

Details

PENNYWEIGHTS, KENLEY, CR8 5HB

Incorporated 29/03/1993

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68209

Other letting and operating of own or leased real estate

Officers

Mr Francesco Tropea

director · Since 29/03/1993

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 64

Also on 3 other boards

Mr Paolo Tropea

director · Since 29/03/1993

PROPERTY OWNER

BRITISH · ENGLAND · Age 67

Also on 1 other board

Persons with Significant Control

Mr Francesco Tropea

25–50% shares

British · United Kingdom · Age 64

Bracken House, Waterhouse Lane, Tadworth, KT20 6LF

Notified 06/04/2016

Mr Paolo Tropea

25–50% shares

British · England · Age 67

1, Furze Lane, Purley, CR8 3EJ

Notified 06/04/2016

Charges36 outstanding

Charge

outstanding

TOPAZ FINANCE LIMITED

Created 26/11/2025Registered 15/12/2025

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outstanding

THE MORTGAGE WORKS (UK) PLC (CO. REGN. NO. 02222856)

Created 21/08/2024Registered 30/08/2024

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outstanding

LANDBAY PARTNERS LIMITED

Created 15/12/2023Registered 15/12/2023

Charge

outstanding

PARAGON BANK PLC

Created 15/11/2023Registered 23/11/2023

Charge

outstanding

BARCLAYS BANK UK PLC

Created 06/07/2023Registered 26/07/2023

Charge

outstanding

PARAGON BANK PLC

Created 07/07/2023Registered 25/07/2023

Charge

outstanding

TOPAZ FINANCE LIMITED TA ROSINCA MORTGAGES

Created 06/07/2023Registered 25/07/2023

Charge

outstanding

BARCLAYS BANK UK PLC

Created 19/08/2020Registered 25/08/2020

charge

outstanding

BARCLAYS BANK PLC

Created 20/02/2008Registered 21/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 20/02/2008Registered 21/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 15/02/2008Registered 20/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 12/02/2008Registered 14/02/2008

charge

outstanding

BARCLAYS BANK PLC

Created 12/02/2008Registered 14/02/2008

charge

outstanding

CAPITAL HOME LOANS LIMITED

Created 30/01/2008Registered 31/01/2008

charge

outstanding

CAPITAL HOME LOANS LIMITED

Created 19/09/2007Registered 20/09/2007

charge

outstanding

CAPITAL HOME LOANS LIMITED

Created 09/11/2006Registered 14/11/2006

charge

outstanding

CAPITAL HOME LOANS LIMITED

Created 25/08/2006Registered 31/08/2006

charge

outstanding

MORTGAGE EXPRESS

Created 07/07/2006Registered 14/07/2006

charge

outstanding

CAPITAL HOME LOANS LIMITED

Created 15/03/2006Registered 16/03/2006

charge

satisfied

WOOLWICH PLC

Created 22/06/2001Registered 11/07/2001Satisfied 28/06/2006

charge

satisfied

WOOLWICH PLC

Created 22/06/2001Registered 11/07/2001Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 10/11/2000Registered 14/11/2000Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 10/11/2000Registered 11/11/2000Satisfied 06/03/2003

charge

satisfied

WOOLWICH PLC

Created 10/11/2000Registered 11/11/2000Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 10/11/2000Registered 11/11/2000Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 23/06/2000Registered 05/07/2000Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 27/06/2000Registered 05/07/2000Satisfied 28/06/2006

charge

satisfied

WOOLWICH PLC

Created 04/01/2000Registered 07/01/2000Satisfied 22/01/2003

charge

satisfied

FIRST ACTIVE FINANCIAL PLC

Created 20/09/1999Registered 28/09/1999Satisfied 28/06/2006

charge

satisfied

FIRST ACTIVE FINANCIAL PLC

Created 30/07/1999Registered 04/08/1999Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 08/06/1999Registered 25/06/1999Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 08/06/1999Registered 25/06/1999Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 11/06/1999Registered 16/06/1999Satisfied 28/06/2006

charge

satisfied

WOOLWICH PLC

Created 11/06/1999Registered 16/06/1999Satisfied 22/01/2003

charge

satisfied

WOOLWICH PLC

Created 30/04/1999Registered 21/05/1999Satisfied 22/01/2003

charge

satisfied

FIRST ACTIVE FINANCIAL PLC

Created 18/09/1998Registered 24/09/1998Satisfied 14/12/2000

charge

satisfied

NATIONWIDE BUILDING SOCIETY

Created 17/11/1997Registered 22/11/1997Satisfied 04/04/2000

charge

satisfied

NATIONWIDE BUILDING SOCIETY

Created 17/11/1997Registered 22/11/1997Satisfied 28/06/2006

charge

satisfied

NATIONWIDE BUILDING SOCIETY

Created 24/05/1997Registered 29/05/1997Satisfied 28/06/2006

charge

satisfied

NATIONWIDE BUILDING SOCIETY

Created 21/05/1997Registered 29/05/1997Satisfied 04/04/2000

charge

satisfied

BIRMINGHAM MIDSHIRES BUILDING SOCIETY

Created 25/04/1997Registered 13/05/1997Satisfied 01/04/2000

charge

satisfied

BIRMINGHAM MIDSHIRES BUILDING SOCIETY

Created 31/05/1995Registered 05/06/1995Satisfied 28/06/2006

charge

satisfied

BIRMINGHAM MIDSHIRES BUILDING SOCIETY

Created 31/05/1995Registered 05/06/1995Satisfied 28/06/2006

charge

satisfied

BIRMINGHAM MIDSHIRES BUILDING SOCIETY

Created 31/05/1995Registered 05/06/1995Satisfied 04/04/2000

charge

satisfied

BRIMINGHAM MIDSHIRES BUILDING SOCIETY

Created 31/05/1995Registered 05/06/1995Satisfied 04/04/2000

charge

satisfied

BIRMINGHAM MIDSHIRES BUILDING SOCIETY

Created 31/05/1995Registered 05/06/1995Satisfied 28/06/2006

CompanyRankvs 2707+ SIC 68209 peers
77

Financial strength99th percentile among SIC peers · 25/25

Employees77th percentile among SIC peers · 12/15

LiquidityCurrent ratio 19.35× · 20/20

Longevity15 years trading (max 15) · 15/15

Filing complianceAll filings up to date · 15/15

Outstanding charges -10

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2707Frattro Limited

87

How is this score calculated?

Financial strength25/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees12/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/03/2025

Net Worth

£6.3M

Balance sheet strength

Cash

£198k

Cash in the bank

Net Current Assets

£1.4M

Working capital

Current Assets

£1.5M

Current Liabilities

£76k

Fixed Assets

£9.2M

Debtors

£1.3M

2avg. employees

Tax at Year End(2019)

Corp tax£56k

Balance Sheet

Bank loans & overdrafts£4.3M

Assets less current liabilities£10.6M

Prepared with VT Final Accounts

EstimatesDerived

Year	Current Ratio	Implied Profit
2025	19.35	+£1.9M
2024	20.35	-£194k
2023	11.59	+£104k
2022	14.24	+£123k
2021	10.21	+£121k
2020	8.25	+£103k
2019	16.62	—

Derived from filed accounts. Not audited figures.