LUMIN WEALTH MANAGEMENT LIMITED
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Cash
£137K
+6.8% highest in 6 filed years
Net assets
£676K
-2% vs 2024
Employees
17
+6.3% highest in 6 filed years
Profit before tax
-£17K
-110.2% lowest in 6 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
5 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
6-year trend · vs Industrials median
Accounts
6-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|---|
| Turnover | £2,050,995 | £711,518 | £892,436 | £1,178,299 | £1,218,795 | £1,179,624 | -3.2% | |
| Operating profit | £492,216 | -£5,214 | -£15,024 | £201,274 | £168,212 | -£19,535 | -111.6% | |
| Profit before tax | £488,638 | -£8,427 | -£16,516 | £203,498 | £171,309 | -£17,488 | -110.2% | |
| Net profit | £358,352 | -£1,859 | -£28,323 | £208,464 | £178,011 | -£13,759 | -107.7% | |
| Cash | £34,324 | £79,049 | £117,918 | £78,235 | £128,619 | £137,377 | +6.8% | |
| Total assets less current liabilities | £347,162 | £332,093 | £359,999 | £547,183 | £704,780 | £675,873 | -4.1% | |
| Net assets | £339,952 | £332,093 | £303,770 | £512,234 | £690,245 | £676,486 | -2% | |
| Equity | £339,952 | £332,093 | £303,770 | £512,234 | £690,245 | £676,486 | -2% | |
| Average employees | 14 | 14 | 15 | 15 | 16 | 17 | +6.3% | |
| Wages | £821,528 | £280,643 | £415,226 | £481,497 | £514,178 | £546,061 | +6.2% | |
| Directors' remuneration | £119,000 | £70,745 | £88,517 | £108,000 | £108,000 | £96,000 | -11.1% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | 24.0% | -0.7% | -1.7% | 17.1% | 13.8% | -1.7% | |
| Net margin | 17.5% | -0.3% | -3.2% | 17.7% | 14.6% | -1.2% | |
| Return on capital employed | 141.8% | -1.6% | -4.2% | 36.8% | 23.9% | -2.9% | |
| Gearing (liabilities / total assets) | — | — | — | — | 41.0% | 47.5% | |
| Current ratio | — | — | — | 1.92x | 2.40x | 2.05x | |
| Interest cover | — | -1.62x | -9.39x | — | — | — |
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.
Name history
Renamed 1 time since incorporation
- LUMIN WEALTH MANAGEMENT LIMITED 2013-11-13 → present
- FISHPOOL ASSOCIATES WEALTH MANAGEMENT LIMITED 2010-09-06 → 2013-11-13
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- BKL Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have reviewed the Company's forecasts and projections for a period of at least twelve months from the date of approval of these financial statements and beyond. After making appropriate enquiries and taking into account the Company's current financial position, its regulatory capital resources, and the principal risks and uncertainties facing the business, the Directors are satisfied that the Company has adequate resources to continue in operational existence for the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| OLUWOLE, Sarah Pamela | Secretary | 2024-03-20 | — | — |
| FELDMANN, Urs | Director | 2021-05-17 | Apr 1967 | Swiss |
| GRAF, Markus | Director | 2021-05-17 | Aug 1976 | British |
| KOENIG, Kevin Jan | Director | 2024-01-01 | May 1990 | Swiss |
| OLUWOLE, Sarah Pamela | Director | 2016-12-15 | Nov 1990 | British |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| COTTER, Louise | Secretary | 2010-09-06 | 2021-01-12 |
| COTTER, Louise | Director | 2010-09-06 | 2013-03-26 |
| COTTER, Martin Peter | Director | 2010-09-06 | 2026-05-15 |
| CUSINS, John Robert | Director | 2013-06-17 | 2026-05-15 |
| FELTON, Michael Craig | Director | 2018-10-08 | 2026-05-15 |
| HUSSEY, Jon Paul | Director | 2020-03-17 | 2026-05-15 |
| HUSSEY, Jon Paul | Director | 2015-12-14 | 2018-06-13 |
| SCHAR, Andreas | Director | 2021-05-17 | 2022-01-31 |
| WILLIAMS, George Adam | Director | 2018-12-17 | 2026-05-15 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lumin Group Limited | Corporate entity | Shares 75–100% | 2020-01-01 | Active |
| Mr John Robert Cusins | Individual | Shares 25–50% | 2016-04-06 | Ceased 2020-01-01 |
| Mr Martin Peter Cotter | Individual | Shares 25–50% | 2016-04-06 | Ceased 2020-01-01 |
| Mr Jon Hussey | Individual | Significant influence | 2016-04-06 | Ceased 2018-06-13 |
| Mrs Louise Ann Cotter | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2016-04-06 |
Filing timeline
Last 20 of 125 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-06-02 RESOLUTIONS Resolution
- 2026-06-02 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-02 | RESOLUTIONS | resolution | Resolution | |
| 2026-06-02 | MA | incorporation | Memorandum articles | |
| 2026-05-22 | AA | accounts | Accounts with accounts type full | |
| 2026-05-17 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-17 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-17 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-17 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-17 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-05-06 | AR01 | annual-return | Annual return company with made up date full list shareholders | |
| 2026-05-05 | AR01 | annual-return | Annual return company with made up date full list shareholders | |
| 2026-05-05 | AR01 | annual-return | Annual return company with made up date full list shareholders | |
| 2026-05-05 | AR01 | annual-return | Annual return company with made up date full list shareholders | |
| 2026-05-05 | AR01 | annual-return | Annual return company with made up date full list shareholders | |
| 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 | |
| 2025-05-06 | AA | accounts | Accounts with accounts type full | |
| 2025-04-29 | CH01 | officers | Change person director company with change date | |
| 2025-02-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-30 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 16
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 5
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.