Company Overview
Lumwood Financial Planning Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 13 August 2015, so this is a well established company. Lumwood Financial Planning Ltd has been in business for 10 years and 7 months. The accounts status is unaudited abridged and the accounts are next due on Monday 30 November 2026.
Registered Address

2 Lumwood, Bolton, BL1 6TZ
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Companies House Data
Company NameLUMWOOD FINANCIAL PLANNING LTD
Company Number09731427
Registered Office Address2 Lumwood
 BL1 6TZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date13/08/2015
Accounting Reference Date Day28
Accounting Reference Date Month2
Accounts Next Due Date30/11/2026
Accounts Last Made Up Date31/08/2024
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date10/09/2016
Directors & Members
Simon Ainscough - Director
(British, 57 years old, born April 1969)
Appointed 13 August 2015
 Active
Secretaries
Samantha Ainscough - Secretary
Appointed 13 August 2015
 Active
Other Company Directorships
Simon Ainscough
APOGEE FINANCIAL PLANNING LIMITED
APOGEE TAX & COMPLIANCE LIMITED
CHAMPION FINANCIAL MANAGEMENT LIMITED
KAMTEMIA (BOLTON) LIMITED
KAMTEMIA LIMITED
RAVEDENBROOK LTD
WIGAN FINANCIAL PLANNING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 205,727 205,727 926,553
Creditors Due Within One Year 69,002 69,002 54,085
Working Cap 136,725 136,725 872,468
Total Assets Less Current Liabilities 136,725 136,725 872,468
Long-term Liabilities 136,625 136,625 872,368
Net Assets 100 100 100
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 100 100 100
Common Size Financial Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 2.8% 2.8% 0.0%
Cash Bank In Hand 97.2% 97.2% 100.0%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 33.5% 33.5% 5.8%
Net Current Assets Liabilities 66.5% 66.5% 94.2%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 66.5% 66.5% 94.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Liquidity Ratio 3.0 3.0 17.1
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Assets 205,727 205,727 926,553
Debt 205,627 205,627 926,453
Net Assets/Debt 100 100 100

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around BL1 6TZ
KAMTEMIA LIMITED
2 LUMWOOD, BOLTON, LANCASHIRE, BL1 6TZ
Document Filings
Confirmation statement made on 11 December 2025 with updates
Registered office address changed from Langdale House Langdale House 14 Harpers Lane Bolton BL1 6HR United Kingdom to Langdale House 14 Harpers Lane Bolton Lancashire BL1 6HR on 4 December 2025
Registered office address changed from 2 Lumwood Bolton BL1 6TZ United Kingdom to Langdale House Langdale House 14 Harpers Lane Bolton BL1 6HR on 4 December 2025
Confirmation statement made on 12 August 2025 with no updates
Current accounting period extended from 31 August 2025 to 28 February 2026
Confirmation statement made on 12 August 2024 with no updates
Confirmation statement made on 12 August 2023 with no updates
Confirmation statement made on 12 August 2022 with no updates
Confirmation statement made on 12 August 2021 with updates
Cessation of Simon Ainscough as a person with significant control on 5 February 2021
Cessation of Samantha Jane Ainscough as a person with significant control on 5 February 2021
Notification of Ravedenbrook Ltd as a person with significant control on 5 February 2021
Confirmation statement made on 12 August 2020 with no updates
Confirmation statement made on 12 August 2019 with no updates
Confirmation statement made on 12 August 2018 with no updates
Confirmation statement made on 12 August 2017 with no updates
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