Lumin Wealth Management Limited
Registered name: LUMIN WEALTH MANAGEMENT LIMITED
Part of Vz Holding Ag groupLumin Wealth Management Limited made £1.2m revenue and a £13.8k loss in the year to 31 Dec 2025. read from filing text
Lumin Wealth Management Limited’s revenue fell 3% to £1.2m in the year to 31 Dec 2025, with a loss of £13.8k and 17 employees. The company is classified under “other business support service activities” and is based in ST. Albans; we hold 4 years of its filed accounts.
- Status
- Active
- Location
- ST. Albans, East of England
- Age
- 16 yrs · since 2010
- Type
- Private Limited Company
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. From the filing: “The immediate and ultimate parent undertaking is Lumin Group Limited, a company incorporated in England & Wales. Lumin Group Limited's registered office address is 2nd Floor 4 Beaconsfield Road, St. A”
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 | 31 Dec 2025 |
|---|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L | Full P&Lread from filing text |
| Profit & loss | ||||
| Revenue (turnover) | £892k | £1.2m | £1.2m | £1.2m |
| Cost of sales | £22.3k | £7.4k | £7.6k | £10.7k |
| Gross profit | £870k | £1.2m | £1.2m | £1.2m |
| Operating profit | −£15k | £201k | £168k | −£19.5k |
| Profit before tax | −£16.5k | £203k | £171k | −£17.5k |
| Profit after tax | −£28.3k | £208k | £178k | −£13.8k |
| Profit (best available) | −£28.3k | £208k | £178k | −£13.8k |
| Staff costs | £471k | £543k | £579k | £642k |
| Employees (average) | 15 | 15 | 16 | 17 |
| Ratios | ||||
| Profit margin | −3.2% | 17.7% | 14.6% | −1.2% |
| Gross margin | 97.5% | 99.4% | 99.4% | 99.1% |
| Revenue per employee | £59.5k | £78.6k | £76.2k | £69.4k |
| Profit per employee | −£1.9k | £13.9k | £11.1k | −£809 |
| Growth (year on year) | ||||
| Revenue growth | — | ▲32% | ▲3.4% | ▼3.2% |
| Profit growth | — | — | ▼14.6% | ▼107.7% |
| Headcount growth | — | 0% | ▲6.7% | ▲6.3% |
| Balance sheet — indirect signals, not revenue | ||||
| Cash at bank | £118k | £78.2k | £129k | £137k |
| Net assets | £304k | £512k | £690k | £676k |
| Fixed assets | £62.7k | £41.8k | £27.9k | £12.8k |
| Current assets | £844k | £1.1m | £1.1m | — |
| Debtors | £1.6k | £1.8k | £9.2k | £21.5k |
| Deferred income | £88.9k | £97.9k | £129k | £104k |
| Source | FullAccounts · bulk data Sep 2024 | FullAccounts · bulk data Sep 2024 | FullAccounts · bulk data May 2025 | FullAccounts · bulk data May 2026 |
How the business works
- Profit margin
- −1.2%
- Profit ÷ revenue.
- Gross margin
- 99.1%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £69.4k
- Revenue ÷ average employees.
- Profit per employee
- −£809
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 1.1%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- 8.8%
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 1.8%
- 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
- ▼2%
- Now £676k
- Cash at bank
- ▲7%
- Now £137k
- Headcount
- ▲6%
- Now 17
- Deferred income
- ▼19%
- Now £104k
- Fixed assets
- ▼54%
- Now £12.8k
Deferred income is reported together with accruals in this filing (“accruals and deferred income”), so it is an approximate signal only.
Group structure
Ownership chain
- Vz Holding Ag (registered outside the UK register)ultimate parent75–100%
- Lumin Group Limited75–100%
- Lumin Wealth Management Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (11)
- Lumin Wealth LimitedRev. £8.4m · Profit £670k
- Davidson Deem LimitedFigures not disclosed
- Gresham TT LimitedFigures not disclosed
- Lumin Advisory LimitedFigures not disclosed
- Lumin Asset Management LimitedFigures not disclosed
- Lumin Business Services LimitedFigures not disclosed
- Lumin Consulting Services LimitedFigures not disclosed
- Lumin DFM LimitedFigures not disclosed
- Lumin Financial Services LimitedFigures not disclosed
- Lumin Portfolio Management LimitedFigures not disclosed
- Professional Financial Centre (Thames Valley) LtdFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
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Sources
Latest figures from FullAccounts for the year to 31 Dec 2025 (profit −£13.8k), from the Companies House accounts bulk data published May 2026. Spotted an error? Request a correction.
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.