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Lumin Wealth Limited

03381115

active
Private Limited Company
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

2ND FLOOR,, ST. ALBANS, AL1 3RD
Incorporated 04/06/1997

Compliance

Last accounts

31/12/2024

full

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 17/09/2025

Due 01/10/2026

On track

Industry

64999
Other financial service activities
66190
Other activities auxiliary to financial services

Officers

Emily Freestone

secretary · Since 06/01/2020

Martin Peter Cotter

director · Since 06/01/2020

British

John Robert Cusins

director · Since 06/01/2020

British

Urs Feldmann

director · Since 17/05/2021

Swiss

Michael Craig Felton

director · Since 06/01/2020

British

Markus Graf

director · Since 17/05/2021

British

Jon Paul Hussey

director · Since 17/03/2020

British

Kevin Jan Koenig

director · Since 10/07/2023

Swiss

Sarah Pamela Oluwole

director · Since 06/01/2020

British

George Adam Williams

director · Since 06/01/2020

British

Former

James Griffin

secretary · Resigned 09/09/2008

Joanna Mairi Macleod

secretary · Resigned 01/06/2015

Jason Barry Woolgar

secretary · Resigned 30/09/2014

Jason Barry Woolgar

secretary · Resigned 31/12/2009

Apex Accountancy Limited

corporate secretary · Resigned 17/09/2019

Apex Partners Llp

corporate secretary · Resigned 06/01/2020

Swift Incorporations Limited

corporate nominee secretary · Resigned 20/06/1997

Jonathan Nicholas Cross

director · Resigned 11/09/1997

Philip George Edwards

director · Resigned 25/06/2002

James Griffin

director · Resigned 11/09/1997

Andrew Kevin Jervis

director · Resigned 01/01/2012

Michael Thomas Warren Macleod

director · Resigned 06/01/2020

Anne Elizabeth O'Loughlin

director · Resigned 11/09/1997

Michael William Moreland Parsey

director · Resigned 17/07/1997

Trevor John Saint

director · Resigned 11/09/1997

Andreas Schaer

director · Resigned 31/01/2022

Tyrone Silcott

director · Resigned 25/06/2002

Instant Companies Limited

corporate nominee director · Resigned 20/06/1997

CompanyRankvs 190+ SIC 64999 peers
80

Financial strength99th percentile among SIC peers · 25/25
Employees99th percentile among SIC peers · 15/15
LiquidityCurrent ratio 8.93× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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How is this score calculated?
Financial strength25/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees15/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Going concern doubt: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

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. Our responsibilities and the responsibilities of the directors with respect to going co

Key FinancialsYear ending 31/12/2024

Turnover

£8.4M

Annual revenue

Net Worth

£13.3M

Balance sheet strength

Cash

£1.4M

Cash in the bank

Profit Before Tax

£1.1M

Bottom line earnings

Net Current Assets

£3.4M

Working capital

Current Assets

£3.8M

Current Liabilities

£430k

Fixed Assets

£9.9M

Debtors

£2.4M

Gross Profit

£8.4M

Admin Expenses

£7.3M

Operating Profit

£1.1M

Profit After Tax

£670k

34avg. employees

Tax at Year End

Corp tax£236k
Dividends paid-£750k

People Costs

Wages & salaries£1.6M
NI contributions£195k

Balance Sheet

Intangible assets£9.9M
Assets less current liabilities£13.3M
Prepared with Caseware UK (AP4) 2023.0.135

EstimatesDerived

YearCurrent RatioImplied Profit
20248.93+£2.4M
20236.18

Derived from filed accounts. Not audited figures.