LOWES FINANCIAL MANAGEMENT LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-05-10 (in 1y)
Last made up 2026-04-26
Watchouts
Cash
£2M
+4% vs 2023
Net assets
£2M
-4.4% vs 2023
Employees
65
+1.6% vs 2023
Profit before tax
-£112K
-142.2% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Name history
Renamed 1 time since incorporation
- LOWES FINANCIAL MANAGEMENT LIMITED 1984-01-01 → present
- KENNETH J. LOWES (ESTATE PLANNING & INVESTMENT SERVICES) LIMITED 1973-05-29 → 1984-01-01
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2023-12-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £7,793,375 | £8,867,487 | |
| Operating profit | £219,703 | -£183,439 | |
| Profit before tax | £265,083 | -£111,860 | |
| Net profit | £201,960 | -£97,240 | |
| Cash | £1,504,117 | £1,564,576 | |
| Total assets less current liabilities | £2,252,312 | £2,145,412 | |
| Net assets | £2,220,474 | £2,123,234 | |
| Equity | £2,220,474 | £2,123,234 | |
| Average employees | 64 | 65 | |
| Wages | £2,690,451 | £4,153,506 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | 2.8% | -2.1% | |
| Net margin | 2.6% | -1.1% | |
| Return on capital employed | 9.8% | -8.6% | |
| Current ratio | 3.29x | 4.11x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- UNW LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future and therefore continue to adopt the going concern basis of accounting in these financial statements.”
Significant events
- “On 31 January 2025, the group headed by Lowes Quantum Limited was acquired by Saltus Financial Planning Limited ('Saltus'). Subsequently the Lowes Group was restructured and the company is now directly owned by Saltus Financial Planning Limited.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 19 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| EDWARDS, Jason | Director | 2025-01-31 | Mar 1974 | British |
| UNDERWOOD, Daniel | Director | 2025-01-31 | May 1983 | British |
Show 19 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HALL, Jeremy | Secretary | 2011-07-05 | 2025-01-31 |
| HALL, Jeremy | Secretary | 1993-01-01 | 2002-12-19 |
| LOWDEN, Graham Richmond | Secretary | — | 1993-01-01 |
| GREYFORT CONSULTING LIMITED | Corporate Secretary | 2002-12-19 | 2011-07-05 |
| CHRISTIE, Judith Helen | Director | 1994-01-01 | 1997-12-04 |
| COLLIER, John Spencer | Director | 1995-01-01 | 1996-04-30 |
| HALL, Jeremy | Director | 1993-01-01 | 1995-03-14 |
| HOPPER, Barry | Director | 2023-04-19 | 2025-07-11 |
| KEATING, Douglas James | Director | — | 1993-12-31 |
| LOWDEN, Graham Richmond | Director | — | 1993-08-01 |
| LOWES, Ian Hamilton | Director | 2002-01-01 | 2025-01-31 |
| LOWES, Kenneth John | Director | 1996-04-22 | 2002-12-19 |
| LOWES, Kenneth John | Director | — | 1995-03-14 |
| MCLACHLAN, Neil Anthony | Director | 2006-04-26 | 2020-07-01 |
| MILLWARD, Douglas Bryan | Director | 2010-08-24 | 2011-03-17 |
| MURRAY, Malcolm Francis | Director | 1997-08-21 | 1999-03-12 |
| PETRIE, John Anthony | Director | 1994-05-01 | 1996-07-30 |
| ROBINSON, Caroline Jean | Director | 1993-10-01 | 2003-06-26 |
| STRATHEARN, Barry William | Director | 2020-06-05 | 2022-10-28 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Saltus Financial Planning Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-03-31 | Active |
| Lowes Group Plc | Corporate entity | Shares 75–100% | 2016-04-06 | Ceased 2025-03-31 |
Filing timeline
Last 20 of 171 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-27 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-31 | AA | accounts | Accounts with accounts type full | |
| 2025-07-14 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-12 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-04-03 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-04-03 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-02-14 | CH03 | officers | Change person secretary company | |
| 2025-02-14 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-14 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-02-14 | CH01 | officers | Change person director company with change date | |
| 2025-02-14 | CH01 | officers | Change person director company with change date | |
| 2025-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-11 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-02-11 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-22 | AA01 | accounts | Change account reference date company current extended | |
| 2024-09-04 | AA | accounts | Accounts with accounts type full | |
| 2024-05-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-28 | AA | accounts | Accounts with accounts type full | |
| 2023-06-04 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2025 · period ending 2025-03-31 vs 2023-12-31
-
Turnover
+13.8%
£7,793,375 £8,867,487
-
Cash
+4%
£1,504,117 £1,564,576
-
Net assets
-4.4%
£2,220,474 £2,123,234
-
Employees
+1.6%
64 65
-
Operating profit
-183.5%
£219,703 -£183,439
-
Profit before tax
-142.2%
£265,083 -£111,860
-
Wages
+54.4%
£2,690,451 £4,153,506
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers