Company Overview
Pragma Wealth Management Ltd. is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 30 March 2001, so this is a well established company. Pragma Wealth Management Ltd. has been in business for 25 years. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

The Scalpel, 18Th Floor, 52 Lime Street, London, EC3M 7AF
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Companies House Data
Company NamePRAGMA WEALTH MANAGEMENT LTD.
Company Number04191349
Registered Office AddressThe Scalpel, 18th Floor
 52 Lime Street
 EC3M 7AF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date30/03/2001
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date27/04/2017
Returns Last Made Up Date30/03/2016
Directors & Members
Show Resigned
Georgia Garuti - Director
(Italian, 51 years old, born March 1975)
Appointed 14 June 2018
 Active
David Smith - Director
(British, 61 years old, born December 1965)
Appointed 30 October 2017
 Active
Emanuele Tosetti - Director
(Italian, 41 years old, born January 1985)
Appointed 12 September 2025
 Active
Jtc (Uk) Limited - Secretary
Appointed 20 November 2023
 Active
Secretaries
Show Resigned
Jtc (Uk) Limited - Secretary
Appointed 20 November 2023
 Active
Other Company Directorships
Georgia Garuti
No companies found
David Smith
GAM (U.K.) LIMITED
GAM INTERNATIONAL MANAGEMENT LIMITED
GAM LONDON LIMITED
GAM STERLING MANAGEMENT LIMITED
IMAGINE NO.1 LLP
ROCKFIELD PARTNERS LLP
Emanuele Tosetti
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 120,867 120,867 9,773
Current Assets 1,408,889 1,408,889 1,977,358
Creditors Due Within One Year 337,687 337,687 371,463
Working Cap 1,071,202 1,071,202 1,605,895
Total Assets Less Current Liabilities 1,192,069 1,192,069 1,615,668
Long-term Liabilities 1,189,569 1,189,569 1,613,168
Net Assets 2,500 2,500 2,500
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 2,500 2,500 2,500
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 7.9% 7.9% 0.5%
Stocks Inventory - - -
Debtors 78.4% 78.4% 46.7%
Cash Bank In Hand 13.7% 13.7% 52.8%
Current Assets 92.1% 92.1% 99.5%
Creditors Due Within One Year 22.1% 22.1% 18.7%
Net Current Assets Liabilities 70.0% 70.0% 80.8%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 0.2% 0.2% 0.1%
Capital Employed - - -
Total Assets Less Current Liabilities 77.9% 77.9% 81.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 4.2 4.2 5.3
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 1,529,756 1,529,756 1,987,131
Debt 1,527,256 1,527,256 1,984,631
Net Assets/Debt 2,500 2,500 2,500

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around EC3M 7AF
No other companies found in the same location
Document Filings
Termination of appointment of Paulino Lopez Fernandez as a director on 4 September 2025
Appointment of Mr Emanuele Jari Tosetti as a director on 12 September 2025
Termination of appointment of Paulino Lopez Fernandez as a director on 30 September 2025
Confirmation statement made on 30 March 2025 with no updates
Second filing for the appointment of Paulino Lopez Fernandez as a director
Confirmation statement made on 30 March 2024 with no updates
Director's details changed for Georgia Garuti on 15 April 2022
Appointment of Jtc (Uk) Limited as a secretary on 20 November 2023
Termination of appointment of Halco Secretaries Limited as a secretary on 20 November 2023
Confirmation statement made on 30 March 2023 with updates
Registered office address changed from 5 Fleet Place London EC4M 7rd to The Scalpel, 18th Floor 52 Lime Street London EC3M 7AF on 4 November 2022
Notification of a person with significant control statement
Cessation of Manuela Campedelli as a person with significant control on 25 April 2022
Confirmation statement made on 30 March 2022 with no updates
Change of details for Mrs Manuela Campedelli as a person with significant control on 7 February 2022
Director's details changed for Mr David Ian Smith on 7 February 2022
Director's details changed for Georgia Garuti on 7 February 2022
Director's details changed for Paulino Lopez Fernandez on 7 February 2022
Confirmation statement made on 30 March 2021 with no updates
Termination of appointment of Luigi Natale Carnelli as a director on 29 September 2020
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