Is Lumio Still in Business? What the Record Shows

The record on Lumio HX — verified

Compiled from court dockets, Florida DBPR records, BBB profiles, and published reporting. Sources below.

Lumio is gone: it filed Chapter 11 on September 3, 2024, sold substantially all assets to Florida-based Zeo Energy Corp. in November 2024, and its liquidating plan went effective February 18, 2025 — the Lumio brand is retired.

Bankruptcy / court record

In re Lumio Holdings, Inc. (with affiliate Lumio HX, Inc.), Chapter 11, U.S. Bankruptcy Court, District of Delaware, lead Case No. 24-11916 (Judge J. Kate Stickles), filed 9/3/2024. White Oak's stalking-horse credit bid fell away; the court approved sale to Zeo Energy Corp. (Nasdaq: ZEO, New Port Richey, FL) on 11/1/2024 for $4 million cash plus 6.2 million Zeo shares; liquidating plan effective 2/18/2025. Claims agent: Stretto (cases.stretto.com/lumio).

Florida license status

FL DBPR still shows the qualifier license — ORAM, CODY ELLIS dba LUMIO HX, INC., Certified Electrical Contractor EC13006740 — as 'Current, Active,' expiring 8/31/2028 (checked September 18, 2026; company license EC13011870 per BuildZoom), even though the company was liquidated. Contrast: Utah DOPL revoked Lumio's B100 contractor license on 1/29/2025 for failing to replace its qualifier.

Complaint record

BBB (Lumio, Lehi, UT): not accredited, 3.06/5 stars from about 1,086 customer reviews, roughly 750 complaints closed in the last 3 years, and BBB flags failure to respond to 60+ complaints. A separate Lumio HX, Inc. BBB profile exists for Orlando, FL. Complaint themes: 'your electric bill will disappear' promises, panels installed but not connected for 7+ months (paying two bills), and the federal tax credit pitched as a cash rebate.

Florida footprint

Lumio's Florida arm was Atlantic Key Energy (Winter Park/Orlando) — one of five regional installers rolled into Lumio in 2021. It sold heavily in Central Florida and the Treasure Coast; a WPTV investigation profiled a Treasure Coast couple paying $168/month on a ~$42,000, 25-year loan for panels sold by Lumio/Atlantic Key in 2022, with monthly costs up as much as 73% and no one answering at the company.

Financing seen on their installs

Third-party 25-year solar loans (~$42,000 in the documented WPTV Florida case; lender not named in reporting). Lumio sales flowed through the standard dealer-fee lenders of the period — GoodLeap, Sunlight Financial, Solar Mosaic, Dividend — which the Minnesota AG sued in 2024 over hidden dealer fees averaging 15-30% of loan cost. Florida customers should pull their own loan docs to identify the current note holder.

Reported problems

Panels installed but never connected or never passing inspection, leaving homeowners paying the solar loan plus the full FPL bill. Sales reps promised the power bill would vanish and pitched the tax credit as cash back. With the company liquidated, its workmanship warranty has no company left to honor it. The Florida permit record and the qualifier license, still listed as active, are public records anyone can check.

“But the lender already paid Lumio HX — aren't I stuck?”

That is a question only a Florida attorney can answer for your loan. Here is what the rules and the records say in general:

1. The FTC Holder Rule notice. Many consumer loan contracts that finance a sale carry the notice the FTC requires, which states that the holder of the loan is subject to the claims and defenses the buyer could raise against the seller, with recovery capped at the amount paid. Whether it reaches a particular loan is a question for a Florida attorney.
2. The funding paperwork. Solar lenders usually release money to the installer on a completion certificate, often e-signed on a tablet. The certificate's date, and whether the system had a final inspection and permission to operate by then, are in the records.
3. Florida and federal consumer rules. FDUTPA (Florida's deceptive and unfair trade practices statute) and TILA (federal truth-in-lending disclosure rules) set out what sellers and lenders must disclose and may not do. Whether either reaches a particular sale or loan is a question for a Florida attorney.

Stopping payments can damage your credit, and whether to keep paying is a decision to make with a Florida attorney. We do not advise on whether to pay. We put the records in one file, yours to keep.