Lumos Financial Limited

Reference number: 937173

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

ValidPath Limited Reference number: 197107 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Lumos Financial Limited (FRN 937173) is an AR of ValidPath Limited (FRN 197107). When you use Lumos Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lumos Financial, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Phone number

    01923 375415

  • Address

    iMex Centre, 575-599 Maxted Road, Hemel Hempstead, HP2 7DX, United Kingdom

In the full report: 2 background checks

  • What kind of line 01923 375415 is
  • Who else gives the postcode HP2 7DX
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
12897845
Company status
Active
Company type
Private limited company
Incorporated
22 September 2020 (6 years old)
Registered office
Imex House Maxted Road, Hemel Hempstead Industrial Estate, Hemel Hempstead, HP2 7DX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Shabbar Zahid Kassam Director Jul 1981 22 Sep 2020 1 other company

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Total equity

£5,533

+7.6% from £5,140

Employees (average)

0

−100% from 1

Owed within a year

£23.7k

−2% from £24.2k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2021 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 12897845. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Lumos Financial’s history from the FCA register and Companies House, newest first.

2020

27 October 2020

  • Became an appointed representative

FCA register

22 September 2020

  • Incorporated at Companies House
  • Shabbar Zahid Kassam took control (75–100% of shares)
  • Shabbar Zahid Kassam appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Lumos Financial

Other FCA-listed firms that share a director, phone number or address with Lumos Financial. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Lumos Financial

Other firms of the same type (financial adviser), nearest first.

In the Hemel Hempstead (HP) postcode area

Afm Management LimitedBeaconsfieldAppointed representativeAG JM CoomerChalfont St. GilesAppointed representativeAlexis TanoBeaconsfieldAppointed representativeAndrew WatsonNaphillAppointed representativeApplewood Financial Solutions LtdHigh WycombeAppointed representativeArtha Wealth Management LtdAylesburyAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Lumos Financial

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 4 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lumos Financial Limited FCA authorised?
Lumos Financial Limited (FRN 937173) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Lumos Financial?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Lumos Financial Limited (FRN 937173) is an AR of ValidPath Limited (FRN 197107). When you use Lumos Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lumos Financial, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Lumos Financial’s phone number?
The FCA register lists the phone number 01923 375415 for Lumos Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Lumos Financial a scam or clone?
Lumos Financial is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Lumos Financial?
Protection works through ValidPath Limited, the principal firm responsible for Lumos Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lumos Financial?
Companies House lists one person with significant control of Lumos Financial: Mr Shabbar Zahid Kassam (75–100% of shares).
Who runs Lumos Financial?
Companies House lists one director of Lumos Financial: Shabbar Zahid Kassam.
How long has Lumos Financial been in business?
The company was formed on 22 September 2020.
What do Lumos Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £5,533 (+7.6% from £5,140).

Sources and links

The full report on Lumos Financial Limited

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