Ratio Two Limited

Reference number: 831681

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When familio.co.uk first appeared online, and whether it can receive email
  • What kind of line 01202 155977 is
  • Who else gives the postcode BH1 1BZ
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Familio Trading name
  • familio.co.uk Trading name
  • Familio Loans Trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
10688741
Company status
Active
Company type
Private limited company
Incorporated
24 March 2017 (9 years old)
Registered office
This Workspace, 18 Albert Road, Bournemouth, BH1 1BZ, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Marc John Biles Director Aug 1981 24 Mar 2017 13 other companies
Tara Jane Mussell Director Jan 1986 24 Mar 2017 5 other companies

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
13
closed down
5
went insolvent
1

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 2 on the FCA register
  • The 5 companies these 2 directors run together
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£58.1k

−3.1% from £60.0k

Cash at bank

£20.3k

No earlier figure to compare

Employees (average)

2

Same as 2

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10688741. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Ratio Two’s history from the FCA register and Companies House, newest first.

Key events (5) All events (12)

2019

3 September 2019

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2017

24 March 2017

  • Incorporated at Companies House
  • Ratio One Limited took control (75–100% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Ratio Two

Other FCA-listed firms that share a director, phone number or address with Ratio Two. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
2
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Ratio Two

Other firms of the same type (lender), nearest first.

In Bournemouth

Ageas Retail LimitedBournemouthAuthorisedMonthly Advance Loans LimitedBournemouthAuthorisedDorset Vaults LimitedBournemouthAuthorisedAlmagrove limitedBournemouthAuthorisedFrancis Scott LimitedBournemouthAuthorisedIndependence Assured LimitedBournemouthAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Ratio Two

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Ratio Two Limited FCA authorised?
Yes, Ratio Two Limited (FRN 831681) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2019 and works as a lender. The FCA has placed a limit on what it may do.
What is Ratio Two’s phone number and website?
The FCA register lists the phone number 01202 155977 and the website familio.co.uk for Ratio Two. If you were given different contact details, use these to check with the firm before going any further.
Is Ratio Two a scam or clone?
Ratio Two is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Ratio Two?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Ratio Two handles your money, so check the specific product before you commit. You can also refer complaints about Ratio Two to the Financial Ombudsman Service, free of charge.
Who owns Ratio Two?
Ratio Two is owned by Ratio One Limited, which holds 75–100% of shares and 75–100% of votes, since 24 March 2017.
Who runs Ratio Two?
Companies House lists 2 directors of Ratio Two: Marc John Biles and Tara Jane Mussell.
How long has Ratio Two been in business?
The company was formed on 24 March 2017, and has held its current FCA authorisation since September 2019.
What do Ratio Two’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £58.1k (−3.1% from £60.0k) and cash at bank of £20.3k (no earlier figure to compare).
Does Ratio Two use any other names?
It trades as Familio, familio.co.uk and Familio Loans.

Sources and links

The full report on Ratio Two Limited

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