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Napofin Limited

10054131

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
10/30
Financial
30/40
Risk
  • Current liabilities exceed current assets (-10)
  • 7 outstanding charges (-10)

Details

12 FAIRLOP GARDENS, ILFORD, IG6 2NF
Incorporated 10/03/2016

Compliance

Last accounts

31/12/2024

micro entity

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 14/06/2025

Due 28/06/2026

On track

Industry

68100
Buying and selling of own real estate
68201
Renting and operating of Housing Association real estate
68209
Other letting and operating of own or leased real estate
68320
Management of real estate on a fee or contract basis

Officers

Mr Nicu Cosmin Fechete

director · Since 10/03/2016

COMPANY DIRECTOR

ROMANIAN,BRITISH · UNITED KINGDOM · Age 49

Also on 1 other board

Persons with Significant Control

Mr Nicu Cosmin Fechete

75–100% shares
75–100% votes

British,Romanian · United Kingdom · Age 49

12, Fairlop Gardens, Ilford, IG6 2NF

Notified 06/04/2016

Charges7 outstanding

Charge
outstanding

THE MORTGAGE LENDER LIMITED

Created 20/03/2026Registered 25/03/2026
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 14/04/2025Registered 14/04/2025
Charge
outstanding

THE MORTGAGE LENDER LIMITED

Created 18/12/2024Registered 18/12/2024
Charge
outstanding

THE MORTGAGE LENDER LIMITED

Created 10/05/2024Registered 10/05/2024
Charge
satisfied

SAFFRON BUILDING SOCIETY

Created 14/04/2023Registered 20/04/2023Satisfied 14/04/2025
Charge
outstanding

THE MORTGAGE LENDER LIMITED

Created 15/08/2022Registered 18/08/2022
Charge
outstanding

THE MORTGAGE LENDER LIMITED

Created 06/06/2022Registered 09/06/2022
Charge
outstanding

THE MORTGAGE LENDER LIMITED

Created 11/03/2022Registered 16/03/2022
Charge
satisfied

KENSINGTON MORTGAGE COMPANY LIMITED

Created 10/10/2018Registered 11/10/2018Satisfied 19/10/2024

CompanyRankvs 13810+ SIC 68100 peers
60

Financial strength96th percentile among SIC peers · 24/25
Employees60th percentile among SIC peers · 9/15
LiquidityCurrent ratio 1.17× · 12/20
Longevity10 years trading (max 15) · 10/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength24/25 pts

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

Employees9/15 pts

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

Liquidity12/20 pts

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

Longevity10/15 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 31/12/2024

Net Worth

£1.1M

Balance sheet strength

Cash

Cash in the bank

Net Current Assets

£16k

Working capital

Current Assets

£109k

Current Liabilities

£94k

Fixed Assets

£2.8M

1avg. employees

Balance Sheet

Assets less current liabilities£2.8M
Prepared with VT Final Accounts

EstimatesDerived

YearCurrent RatioImplied Profit
20241.17+£69k
20236.88-£7k
202235.36+£404k
202131.82+£298k
202034.22+£2k
201953.81+£107k
201847.15

Derived from filed accounts. Not audited figures.