Lumin Wealth Management Limited
07366158
Some Concerns
- Loss before tax (-10)
- Going concern doubt noted in accounts (-10)
Details
Previously known as
Compliance
Last accounts
31/12/2025
full
Next accounts due
30/09/2027
Confirmation statement
Last: 20/02/2026
Due 06/03/2027
Industry
Officers
director · Since 15/12/2016
CHARTERED ACCOUNTANT
BRITISH · ENGLAND · Age 35
Also on 21 other boards
director · Since 01/01/2024
COMPANY DIRECTOR
SWISS · UNITED KINGDOM · Age 36
Also on 2 other boards
Mrs Emily Freestone
secretary · Since 01/07/2026
secretary · Since 01/07/2026
Former
director · Resigned 26/03/2013
director · Resigned 13/06/2018
secretary · Resigned 12/01/2021
director · Resigned 31/01/2022
director · Resigned 15/05/2026
director · Resigned 15/05/2026
director · Resigned 15/05/2026
director · Resigned 15/05/2026
director · Resigned 15/05/2026
director · Resigned 01/07/2026
director · Resigned 01/07/2026
secretary · Resigned 01/07/2026
secretary · Resigned 01/07/2026
Persons with Significant Control
Lumin Group Limited
5, Porters Wood, St. Albans, AL3 6PH
Notified 01/01/2020
Former PSCs
Mr Jon Hussey
Ceased 13/06/2018
Mr John Robert Cusins
Ceased 01/01/2020
Mrs Louise Ann Cotter
Ceased 06/04/2016
Mr Martin Peter Cotter
Ceased 01/01/2020
Charges0 outstanding
TC LOANS (CBILS) LIMITED ACTING AS THE SECURITY TRUSTEE OF THE SECURED PARTIES
Change History
Active
Private Limited Company
2ND FLOOR,
ST. ALBANS
CompanyRankvs 30831+ SIC 82990 peers59
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How is this score calculated?
Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.
Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.
Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.
One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.
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 concern are d
Key FinancialsYear ending 31/12/2025
Net Worth
£676k
Balance sheet strength
Cash
£137k
Cash in the bank
Profit Before Tax
-£17k
Bottom line earnings
Net Current Assets
£642k
Working capital
Current Assets
—
Current Liabilities
£613k
Fixed Assets
£13k
Debtors
£21k
Admin Expenses
£1.2M
Profit After Tax
-£14k
People Costs
EstimatesDerived
| Year | Current Ratio | Implied Profit |
|---|---|---|
| 2025 | — | -£14k |
| 2024 | 2.46 | +£178k |
| 2023 | 1.92 | — |
Derived from filed accounts. Not audited figures.