Company Overview
Just Retirement Management Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 28 February 2003, so this is a well established company. Just Retirement Management Services Limited has been in business for 23 years and 1 month. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Enterprise House, Bancroft Road, Reigate, Surrey, RH2 7RP
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Companies House Data
Company NameJUST RETIREMENT MANAGEMENT SERVICES LIMITED
Company Number04682458
Registered Office AddressEnterprise House
 Bancroft Road
 RH2 7RP
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/02/2003
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date28/03/2017
Returns Last Made Up Date28/02/2016
Directors & Members
Show Resigned
Rizwan Sheriff - Director
(British, 49 years old, born June 1977)
Appointed 01 July 2025
 Active
Anna Wyse - Director
(British, 48 years old, born April 1978)
Appointed 01 April 2026
 Active
Secretaries
Show Resigned
Simon Watson - Secretary
Appointed 29 January 2020
 Active
Other Company Directorships
Rizwan Sheriff
JUST RETIREMENT FINANCE PLC
Anna Wyse
ENHANCED RETIREMENT LIMITED
HUB ACQUISITIONS LIMITED
HUB DIGITAL SOLUTIONS LIMITED
HUB PENSION CONSULTING (HOLDINGS) LIMITED
HUB PENSION CONSULTING LIMITED
HUB PENSION SOLUTIONS LIMITED
HUB TRANSFER SOLUTIONS LIMITED
JRP NOMINEES LIMITED
JUST ANNUITIES LIMITED
JUST DIRECT LIMITED
JUST EQUITY RELEASE LIMITED
JUST PROTECTION LIMITED
JUST RE 1 LIMITED
JUST RE 2 LIMITED
JUST RETIREMENT (HOLDINGS) LIMITED
JUST RETIREMENT FINANCE PLC
JUST RETIREMENT GROUP HOLDINGS LIMITED
JUST RETIREMENT NOMINEES LIMITED
JUST RETIREMENT SOLUTIONS LIMITED
PARTNERSHIP ASSURANCE GROUP LIMITED
PARTNERSHIP GROUP HOLDINGS LIMITED
PARTNERSHIP HOLDINGS LIMITED
PARTNERSHIP SERVICES LIMITED
PASPV LIMITED
PENSION BUDDY LIMITED
PLACL RE 1 LIMITED
PLACL RE 2 LIMITED
TOMAS ACQUISITIONS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2013 30-Jun-2012
Balance Sheet
Fixed Assets 8,154,000 8,154,000 6,076,000
Current Assets 8,168,000 8,168,000 7,451,000
Creditors Due Within One Year 22,067,000 22,067,000 17,946,000
Working Cap -13,899,000 -13,899,000 -10,495,000
Total Assets Less Current Liabilities -5,745,000 -5,745,000 -4,419,000
Long-term Liabilities 0 0 0
Net Assets -5,745,000 -5,745,000 -4,419,000
Share Capital & Reserves
Share Cap 10,000 10,000 10,000
Profit & Loss Reserves -5,755,000 -5,755,000 -4,429,000
Other Reserves 0 0 0
Shareholders Funds -5,745,000 -5,745,000 -4,419,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2013 30-Jun-2012
Tangible Fixed Assets - - -
Fixed Assets 50.0% 50.0% 44.9%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 41.0% 41.0% 38.2%
Cash Bank In Hand 9.0% 9.0% 16.9%
Current Assets 50.0% 50.0% 55.1%
Creditors Due Within One Year 135.2% 135.2% 132.7%
Net Current Assets Liabilities -85.2% -85.2% -77.6%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability -35.2% -35.2% -32.7%
Called Up Share Capital 0.1% 0.1% 0.1%
Share Capital Allotted Called Up Paid 0.1% 0.1% 0.1%
Profit Loss Account Reserve -35.3% -35.3% -32.7%
Shareholder Funds -35.2% -35.2% -32.7%
Capital Employed - - -
Total Assets Less Current Liabilities -35.2% -35.2% -32.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2013 30-Jun-2012
Liquidity Ratio 0.4 0.4 0.4
Solvency Ratio 0.7 0.7 0.8
Reserves to Assets -0.4 -0.4 -0.3
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 4
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2013 30-Jun-2012
Assets 16,322,000 16,322,000 13,527,000
Debt 22,067,000 22,067,000 17,946,000
Net Assets/Debt -5,745,000 -5,745,000 -4,419,000

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.   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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

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
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Document Filings
Appointment of Ms Anna Wyse as a director on 1 April 2026
Termination of appointment of Mark William Godson as a director on 1 April 2026
Consolidated accounts of parent company for subsidiary company period ending 31/12/24
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Confirmation statement made on 8 July 2025 with no updates
Termination of appointment of Paul James Turner as a director on 30 June 2025
Appointment of Mr Rizwan Sheriff as a director on 1 July 2025
Change of details for Just Retirement (Holdings) Limited as a person with significant control on 28 November 2024
Confirmation statement made on 25 June 2024 with no updates
Consolidated accounts of parent company for subsidiary company period ending 31/12/23
Notice of agreement to exemption from audit of accounts for period ending 31/12/23
Audit exemption statement of guarantee by parent company for period ending 31/12/23
Appointment of Mr Mark William Godson as a director on 1 December 2023
Termination of appointment of Christopher Lewis Rayner as a director on 1 December 2023
Consolidated accounts of parent company for subsidiary company period ending 31/12/22
Notice of agreement to exemption from audit of accounts for period ending 31/12/22
Audit exemption statement of guarantee by parent company for period ending 31/12/22
Confirmation statement made on 15 June 2023 with no updates
Consolidated accounts of parent company for subsidiary company period ending 31/12/21
Audit exemption statement of guarantee by parent company for period ending 31/12/21
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