UK Companies House feature
LUMIN WEALTH LIMITED
Cash
£1M
+240.8% vs 2023
Net assets
£13M
+21.5% vs 2023
Employees
32
-5.9% vs 2023
Profit before tax
£1M
+2,173% vs 2023
Profile
- Company number
- 03381115
- Status
- Active
- Incorporation
- 1997-06-04
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Net assets
10-year trend · vs UK Fintech median
Accounts
10-year trend · latest 2024-12-31
| Metric | Trend | 2019-12-31 | 2020-01-01 | 2020-12-31 | 2021-01-01 | 2021-12-31 | 2022-01-01 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | £63,591 | — | £2,020,523 | — | £4,617,774 | — | £5,495,395 | — | £6,890,926 | £8,404,457 | |
| Operating profit | -£5,151 | — | £1,329,482 | — | £2,229,297 | — | £898,411 | — | -£54,973 | £1,139,051 | |
| Profit before tax | — | — | £1,329,482 | — | £2,228,249 | — | £896,939 | — | -£54,948 | £1,139,055 | |
| Net profit | -£5,151 | — | £1,076,880 | — | £1,945,192 | — | £795,148 | — | -£239,621 | £669,740 | |
| Cash | £48,291 | — | £224,989 | — | £410,698 | — | £228,966 | — | £410,198 | £1,398,096 | |
| Total assets less current liabilities | £47,511 | — | £2,455,812 | — | £4,422,428 | — | £7,206,383 | — | £10,964,679 | £13,317,337 | |
| Net assets | £47,511 | — | £2,455,812 | — | £4,422,428 | — | £7,206,383 | — | £10,964,679 | £13,317,337 | |
| Equity | £47,511 | £47,511 | £2,455,812 | £2,455,812 | £4,422,428 | £4,422,428 | £7,206,383 | £7,206,383 | £10,964,679 | £13,317,337 | |
| Average employees | 2 | — | 10 | — | 13 | — | 27 | — | 34 | 32 | |
| Wages | £26,380 | — | £141,365 | — | £654,118 | — | £1,051,947 | — | £1,743,415 | £1,641,487 |
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
- BKL Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “During the year, as part of the activity of the Group, the Company has novated clients from B.W. Financial Consultants Limited which was acquired by the Group at the end of 2023.”
- “As the Lumin Group growth plans continue into 2025, the Group will incorporate new businesses and clients into its operations and as such expect revenue and EBITDA increases into 2025.”
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
10 active · 18 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FREESTONE, Emily | Secretary | 2020-01-06 | — | — |
| COTTER, Martin Peter | Director | 2020-01-06 | Jul 1963 | British |
| CUSINS, John Robert | Director | 2020-01-06 | Jan 1972 | British |
| FELDMANN, Urs | Director | 2021-05-17 | Apr 1967 | Swiss |
| FELTON, Michael Craig | Director | 2020-01-06 | Mar 1967 | British |
| GRAF, Markus | Director | 2021-05-17 | Aug 1976 | British |
| HUSSEY, Jon Paul | Director | 2020-03-17 | Apr 1969 | British |
| KOENIG, Kevin Jan | Director | 2023-07-10 | May 1990 | Swiss |
| OLUWOLE, Sarah Pamela | Director | 2020-01-06 | Nov 1990 | British |
| WILLIAMS, George Adam | Director | 2020-01-06 | Aug 1975 | British |
Show 18 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GRIFFIN, James | Secretary | 1997-06-20 | 2008-09-09 |
| MACLEOD, Joanna Mairi | Secretary | 2014-09-30 | 2015-06-01 |
| WOOLGAR, Jason Barry | Secretary | 2012-05-01 | 2014-09-30 |
| WOOLGAR, Jason Barry | Secretary | 2008-09-09 | 2009-12-31 |
| APEX ACCOUNTANCY LIMITED | Corporate Secretary | 2015-06-01 | 2019-09-17 |
| APEX PARTNERS LLP | Corporate Secretary | 2019-09-17 | 2020-01-06 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1997-06-04 | 1997-06-20 |
| CROSS, Jonathan Nicholas | Director | 1997-06-20 | 1997-09-11 |
| EDWARDS, Philip George | Director | 1997-11-26 | 2002-06-25 |
| GRIFFIN, James | Director | 1997-06-20 | 1997-09-11 |
| JERVIS, Andrew Kevin | Director | 2010-01-04 | 2012-01-01 |
| MACLEOD, Michael Thomas Warren | Director | 1997-06-20 | 2020-01-06 |
| O'LOUGHLIN, Anne Elizabeth | Director | 1997-08-27 | 1997-09-11 |
| PARSEY, Michael William Moreland | Director | 1997-06-20 | 1997-07-17 |
| SAINT, Trevor John | Director | 1997-06-20 | 1997-09-11 |
| SCHAER, Andreas | Director | 2021-05-17 | 2022-01-31 |
| SILCOTT, Tyrone | Director | 2000-09-14 | 2002-06-25 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 1997-06-04 | 1997-06-20 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lumin Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-01-06 | Active |
| Mr Michael Thomas Warren Macleod | Individual | Shares 50–75%, Voting 50–75% | 2016-04-06 | Ceased 2020-01-06 |
Filing timeline
Last 20 of 157 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2025-11-24 | AD01 | address | change registered office address company with date old address new address |
| 2025-11-24 | AD01 | address | change registered office address company with date old address new address |
| 2025-10-01 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-06-30 | SH01 | capital | capital allotment shares |
| 2025-06-23 | RP04SH01 | capital | second filing capital allotment shares |
| 2025-05-08 | AA | accounts | accounts with accounts type full |
| 2025-04-29 | CH01 | officers | change person director company with change date |
| 2024-10-01 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-10-01 | SH01 | capital | capital allotment shares |
| 2024-09-30 | AA | accounts | accounts with accounts type full |
| 2024-09-24 | CH03 | officers | change person secretary company with change date |
| 2023-10-03 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-10-02 | SH01 | capital | capital allotment shares |
| 2023-09-21 | AA | accounts | accounts with accounts type full |
| 2023-07-14 | AP01 | officers | appoint person director company with name date |
| 2023-04-06 | SH01 | capital | capital allotment shares |
| 2022-11-16 | RP04CS01 | confirmation-statement | second filing of confirmation statement with made up date |
| 2022-11-16 | SH01 | capital | capital allotment shares |
| 2022-09-27 | CS01 | confirmation-statement | confirmation statement with updates |
| 2022-07-20 | MR04 | mortgage | mortgage satisfy charge full |
Credit score
Altman Z″ (private-firm) · reference 2024-12-31
2.62
SAFE
Altman Z″
- Working capital / Total assets 0.144 × 6.56 = +0.95
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets 0.048 × 6.72 = +0.32
- Book equity / Total liabilities 1.288 × 1.05 = +1.35
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