Lowes Financial Management Limited
Registered name: LOWES FINANCIAL MANAGEMENT LIMITED
Part of Saltus Financial Planning Limited groupLowes Financial Management Limited made £5.8m revenue and a £169k loss in the year to 31 Mar 2026.
Lowes Financial Management Limited’s revenue was £5.8m in the year to 31 Mar 2026, with a loss of £169k and 24 employees. The company is classified under “financial intermediation not elsewhere classified” and is based in Fareham; we hold 2 years of its filed accounts.
- Status
- Active
- Location
- Fareham, South East
- Age
- 53 yrs · since 1973
- Type
- Private Limited Company
Pass-through vehicle. This looks like a holding, staffing or umbrella company. Its revenue and profit may largely pass through to or from other entities, so the figures may not reflect a standalone operating business. It is excluded from our opportunity lists.
Part of a group. The filing indicates this company sits within a group structure, so its results may depend on intra-group trading and it may be hard to replicate independently.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Mar 2025 | 31 Mar 2026 |
|---|---|---|
| Disclosure | Full P&L | Full P&L |
| Profit & loss | ||
| Revenue (turnover) | £8.9m | £5.8m |
| Cost of sales | −£4.7m | −£440k |
| Gross profit | £4.1m | £5.3m |
| Operating profit | −£183k | −£286k |
| Profit before tax | −£112k | −£259k |
| Profit after tax | −£97.2k | −£169k |
| Profit (best available) | −£97.2k | −£169k |
| Employees (average) | 65 | 24 |
| Ratios | ||
| Profit margin | −1.1% | −2.9% |
| Gross margin | 46.8% | 92.4% |
| Revenue per employee | £136k | £241k |
| Profit per employee | −£1.5k | −£7.1k |
| Balance sheet — indirect signals, not revenue | ||
| Net assets | — | — |
| Source | Accounts · bulk data Dec 2025 | Accounts · bulk data Sep 2026 |
How the business works
- Profit margin
- −2.9%
- Profit ÷ revenue.
- Gross margin
- 92.4%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £241k
- Revenue ÷ average employees.
- Profit per employee
- −£7.1k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- —
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- —
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- —
- Now —
- Cash at bank
- —
- Now —
- Headcount
- —
- Now 24
- Deferred income
- —
- Now —
- Fixed assets
- —
- Now —
Group structure
Ownership chain
- Saltus Financial Planning Limitedultimate parent75–100%
- Lowes Financial Management Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (7)
- NLP Financial Management LimitedRev. £5.2m · Profit −£83.8k
- Skybound Financial Planning LimitedRev. £2.9m · Profit £234k
- Forrester-Hyde LimitedRev. £1.8m · Profit £1.1m
- GM2 LimitedRev. £732k · Profit −£81.3k
- Amirod LtdFigures not disclosed
- Lowes Quantum LimitedFigures not disclosed
- Northwood Symonds LimitedFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from accounts for the year to 31 Mar 2026 (profit −£169k), from the Companies House accounts bulk data published Sep 2026. Spotted an error? Request a correction.
Updated from Companies House on 13 Oct 2026
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.