LUMIN WEALTH MANAGEMENT LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-03-06
Overdue
Watchouts
Cash
£129K
+64.4% vs 2023
Net assets
£690K
+34.8% vs 2023
Employees
16
+6.7% vs 2023
Profit before tax
£171K
-15.8% first positive since 2022
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-03-06.
Net assets
10-year trend · vs Industrials median
Accounts
10-year trend · latest reflected 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 | £3,743,375 | — | £2,050,995 | — | £711,518 | — | £892,436 | — | £1,178,299 | £1,218,795 | |
| Operating profit | £1,197,780 | — | £492,216 | — | -£5,214 | — | -£15,024 | — | £201,274 | £168,212 | |
| Profit before tax | £1,196,009 | — | £488,638 | — | -£8,427 | — | -£16,516 | — | £203,498 | £171,309 | |
| Net profit | £923,107 | — | £358,352 | — | -£1,859 | — | -£28,323 | — | £208,464 | £178,011 | |
| Cash | £381,345 | — | £34,324 | — | £79,049 | — | £117,918 | — | £78,235 | £128,619 | |
| Total assets less current liabilities | £2,279,328 | — | £347,162 | — | £332,093 | — | £359,999 | — | £547,183 | £704,780 | |
| Net assets | £2,273,656 | — | £339,952 | — | £332,093 | — | £303,770 | — | £512,234 | £690,245 | |
| Equity | £2,273,656 | £2,351,794 | £339,952 | £339,952 | £332,093 | £332,093 | £303,770 | £303,770 | £512,234 | £690,245 | |
| Average employees | 21 | — | 14 | — | 14 | — | 15 | — | 15 | 16 | |
| Wages | £1,827,437 | — | £821,528 | — | £280,643 | — | £415,226 | — | £481,497 | £514,178 | |
| Directors' remuneration | £183,819 | — | £119,000 | — | £70,745 | — | £88,517 | — | £108,000 | £108,000 |
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
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+3.4%
£1,178,299 £1,218,795
-
Cash
+64.4%
£78,235 £128,619
-
Net assets
+34.8%
£512,234 £690,245
-
Employees
+6.7%
15 16
-
Operating profit
-16.4%
£201,274 £168,212
first positive since 2022
-
Profit before tax
-15.8%
£203,498 £171,309
first positive since 2022
-
Wages
+6.8%
£481,497 £514,178
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating margin | 32.0% | — | 24.0% | — | -0.7% | — | -1.7% | — | 17.1% | 13.8% | |
| Net margin | 24.7% | — | 17.5% | — | -0.3% | — | -3.2% | — | 17.7% | 14.6% | |
| Return on capital employed | 52.5% | — | 141.8% | — | -1.6% | — | -4.2% | — | 36.8% | 23.9% | |
| Current ratio | — | — | — | — | — | — | — | — | 1.92x | 2.46x | |
| Interest cover | 676.33x | — | 137.57x | — | -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 financial statements have been prepared on the going concern basis, which assumes that the Company will continue to trade for at least 12 months from the date of approval of these financial statements, and will be able to meet its liabilities as they fall due.”
Significant events
- “There have been no significant events affecting the Company since the year end.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| OLUWOLE, Sarah Pamela | Secretary | 2024-03-20 | — | — |
| COTTER, Martin Peter | Director | 2010-09-06 | Jul 1963 | British |
| CUSINS, John Robert | Director | 2013-06-17 | Jan 1972 | British |
| FELDMANN, Urs | Director | 2021-05-17 | Apr 1967 | Swiss |
| FELTON, Michael Craig | Director | 2018-10-08 | 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 | 2024-01-01 | May 1990 | Swiss |
| OLUWOLE, Sarah Pamela | Director | 2016-12-15 | Nov 1990 | British |
| WILLIAMS, George Adam | Director | 2018-12-17 | Aug 1975 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| COTTER, Louise | Secretary | 2010-09-06 | 2021-01-12 |
| COTTER, Louise | Director | 2010-09-06 | 2013-03-26 |
| HUSSEY, Jon Paul | Director | 2015-12-14 | 2018-06-13 |
| SCHAR, Andreas | Director | 2021-05-17 | 2022-01-31 |
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 116 total filings
Material constitutional events — rename, articles re-file, resolution
- 2022-02-10 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 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 | |
| 2024-03-20 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-02-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-20 | AP01 | officers | Appoint person director company with name date | |
| 2023-08-25 | AA | accounts | Accounts with accounts type full | |
| 2023-03-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-20 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2022-05-27 | AA | accounts | Accounts with accounts type full | |
| 2022-02-21 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2022-02-10 | MA | incorporation | Memorandum articles |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
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.