UK Companies House feature
LUNARO FINANCIAL SERVICES LIMITED
Cash
£3M
-56.2% vs 2023
Net assets
£2M
+7.1% vs 2023
Employees
13
-43.5% vs 2023
Profit before tax
-£3M
-0.6% vs 2023
Profile
- Company number
- 03148972
- Status
- Active
- Incorporation
- 1996-01-22
- Last accounts made up
- 2025-03-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Net assets
5-year trend · vs UK Fintech median
Accounts
5-year trend · latest 2025-03-31
| Metric | Trend | 2022-01-01 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2025-03-31 |
|---|---|---|---|---|---|---|
| Turnover | — | £1,523,424 | — | £842,938 | -£37,209 | |
| Operating profit | — | -£2,363,137 | — | -£2,994,215 | -£3,015,642 | |
| Profit before tax | — | -£2,362,477 | — | -£2,993,957 | -£3,013,365 | |
| Net profit | — | -£2,259,242 | — | -£2,993,957 | -£3,013,365 | |
| Cash | £12,420,633 | £8,015,610 | £8,002,891 | £6,280,986 | £2,753,500 | |
| Total assets less current liabilities | — | £3,227,704 | — | £1,433,747 | £1,535,748 | |
| Net assets | — | £3,227,704 | — | £1,433,747 | £1,535,748 | |
| Equity | £4,993,104 | £3,227,704 | £3,227,704 | £1,433,747 | £1,535,748 | |
| Average employees | — | 31 | — | 23 | 13 | |
| Wages | — | £1,829,287 | — | £1,817,499 | £1,492,069 |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Buzzacott Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have reviewed the company's cash flow forecasts and capital resources and are confident in the viability of its business. On this basis, the Directors have a reasonable expectation that the company will continue in operational existence for and therefore continue to adopt the going concern basis in preparing the financial statements.”
Significant events
- “This reporting period has been defined by the successful sale and subsequent transition of the company formerly BUX Finance to new ownership. The transaction was finalised in Q2 2024, and after the change in name, the company now operates as APM Capital Markets Limited.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
4 active · 30 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HOLLAND, Philip William Paul | Director | 2020-12-01 | Dec 1981 | British |
| OWEN, Joshua Jurangpathy | Director | 2024-12-18 | Oct 1991 | British |
| RAJDEV, Disha Rakeshkumar | Director | 2025-01-27 | Nov 1997 | Indian |
| SPENCER-SKEEN, Nicholas Mark Louis | Director | 2024-12-18 | Aug 1963 | British |
Show 30 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| COUGHLAN, Anne | Secretary | 2005-06-30 | 2006-09-29 |
| LAWRENCE, Jeffrey | Secretary | 1996-02-13 | 1997-09-03 |
| LAWRENCE, Vivienne | Secretary | 1998-10-08 | 2003-06-30 |
| MICHIE, Diana Jean | Nominee Secretary | 1996-01-22 | 1996-02-13 |
| ROSS, Avril Lucy | Secretary | 1997-09-03 | 1998-10-08 |
| WILSON, Gordon Petley | Secretary | 2006-09-29 | 2008-04-28 |
| ENTERPRISE ADMINISTRATION LIMITED | Corporate Secretary | 2003-05-12 | 2005-06-30 |
| MANFIELD SERVICES LIMITED | Corporate Secretary | 2010-11-30 | 2011-03-07 |
| WILTON CORPORATE SERVICES LIMITED | Corporate Secretary | 2008-04-28 | 2010-01-01 |
| WILTON SECRETARIES LIMITED | Corporate Secretary | 2005-06-30 | 2005-06-30 |
| AKRAM, Iqbal | Director | 2000-12-05 | 2003-03-25 |
| DEN DRIJVER, Richard Edward | Director | 2003-11-26 | 2009-07-17 |
| DRAKE, Edward Charles | Director | 2008-09-08 | 2020-04-17 |
| GRAHAM, Oliver Lindsay Mark | Director | 1996-02-13 | 1997-05-25 |
| KAPOOR, Akshay | Director | 2012-03-20 | 2014-09-01 |
| LAWRENCE, Jeffrey | Director | 1996-02-13 | 2003-08-31 |
| LEMPKA, Robert | Director | 2010-04-01 | 2019-01-23 |
| NAEFF, Yorick | Director | 2019-06-06 | 2024-10-03 |
| NAZERALI, Altaf Sultanali | Director | 2000-08-30 | 2002-05-07 |
| PAGE, Brian Robert | Nominee Director | 1996-01-22 | 1996-02-13 |
| PRONK, Egbert | Director | 2019-06-06 | 2024-10-03 |
| ROWE, John Miller | Director | 2010-03-30 | 2011-02-04 |
| ROWE, John Miller | Director | 2007-11-07 | 2010-03-30 |
| SADLER, Angela | Director | 2014-06-04 | 2019-12-31 |
| SEBBATA, Salim | Director | 2021-09-20 | 2024-11-04 |
| THOMPSON, John Paul | Director | 2000-11-10 | 2003-03-18 |
| WENNIKE, Helge | Director | 1997-10-22 | 2002-05-08 |
| WILLEBRAND, Stefan | Director | 2008-03-27 | 2010-01-01 |
| WILLIAMS, Steven | Director | 2003-07-31 | 2004-03-01 |
| WINKLER, Thomas | Director | 2012-03-20 | 2018-08-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Disha Rajdev | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2024-06-28 | Active |
| Sycap Group (Uk) Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2019-08-07 |
Filing timeline
Last 20 of 278 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-25 | SH01 | capital | capital allotment shares |
| 2026-01-16 | AD01 | address | change registered office address company with date old address new address |
| 2026-01-15 | AD01 | address | change registered office address company with date old address new address |
| 2025-12-19 | AA | accounts | accounts with accounts type full |
| 2025-11-18 | CERTNM | change-of-name | certificate change of name company |
| 2025-10-23 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-09-11 | RP04SH01 | change-of-name | legacy |
| 2025-09-09 | SH01 | capital | capital allotment shares |
| 2025-05-23 | SH01 | capital | capital allotment shares |
| 2025-04-09 | SH01 | capital | capital allotment shares |
| 2025-02-11 | AP01 | officers | appoint person director company with name date |
| 2025-02-10 | SH01 | capital | capital allotment shares |
| 2025-01-13 | RP04TM01 | officers | second filing of director termination with name |
| 2025-01-13 | RP04TM01 | officers | second filing of director termination with name |
| 2025-01-02 | AP01 | officers | appoint person director company with name date |
| 2024-12-24 | AP01 | officers | appoint person director company with name date |
| 2024-12-12 | AA01 | accounts | change account reference date company current extended |
| 2024-11-18 | SH01 | capital | capital allotment shares |
| 2024-11-18 | TM01 | officers | termination director company with name termination date |
| 2024-11-08 | PSC01 | persons-with-significant-control | notification of a person with significant control |
Credit score
Altman Z″ (private-firm) · reference 2025-03-31
-2.37
DISTRESS
Altman Z″
- Working capital / Total assets 0.551 × 6.56 = +3.62
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets -1.083 × 6.72 = -7.28
- Book equity / Total liabilities 1.229 × 1.05 = +1.29
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory