JUST RETIREMENT GROUP HOLDINGS LIMITED Credit Check Report

Company Overview

Just Retirement Group Holdings Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 10 June 2009, so this is a well established company. Just Retirement Group Holdings Limited has been in business for 16 years and 10 months. 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 Name	JUST RETIREMENT GROUP HOLDINGS LIMITED
Company Number	06930326
Registered Office Address	Enterprise House
	Bancroft Road
	RH2 7RP
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	10/06/2009
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	AUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date	05/08/2016
Returns Last Made Up Date	08/07/2015

Previous Company Name	Changed Date
AVALON ACQUISITIONS LIMITED	21 Aug 2013
BASILPARK LIMITED	23 Jun 2009

Directors & Members

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	Paul Armstrong - Director (British, 53 years old, born November 1973) Appointed 07 August 2009, Resigned 16 December 2009	Resigned
	Kate Avery - Director (British, 66 years old, born January 1960) Appointed 09 October 2013, Resigned 25 March 2014	Resigned
	Jason Causer - Director (British, 56 years old, born December 1970) Appointed 21 May 2019, Resigned 04 January 2021	Resigned
	Rodney Cook - Director (British, 69 years old, born March 1957) Appointed 31 July 2013, Resigned 30 April 2019	Resigned
	Tom Cross Brown - Director (English, 79 years old, born December 1947) Appointed 31 July 2013, Resigned 25 March 2014	Resigned
	Tom Cross Brown - Director (English, 79 years old, born December 1947) Appointed 01 August 2013, Resigned 01 August 2013	Resigned
	Shayne Deighton - Director (British, 67 years old, born August 1959) Appointed 31 July 2013, Resigned 19 April 2016	Resigned
	James Fraser - Director (British, 61 years old, born May 1965) Appointed 23 June 2009, Resigned 25 March 2014	Resigned
	Mark Godson - Director (British, 45 years old, born April 1981) Appointed 01 December 2023	Active
	Keith Jones - Director (British, 74 years old, born November 1952) Appointed 09 October 2013, Resigned 25 March 2014	Resigned
	Adrian Levy - Director (British, 56 years old, born March 1970) Appointed 10 June 2009, Resigned 23 June 2009	Resigned
	Clifton Melvin - Director (British, 72 years old, born August 1954) Appointed 16 December 2009, Resigned 09 October 2013	Resigned
	Keith Nicholson - Director (British, 77 years old, born October 1949) Appointed 09 October 2013, Resigned 25 March 2014	Resigned
	Arthur Owen - Director (United Kingdom, 77 years old, born February 1949) Appointed 31 July 2013, Resigned 25 March 2014	Resigned
	Andrew Parsons - Director (British, 61 years old, born January 1965) Appointed 13 February 2020, Resigned 31 December 2023	Resigned
	David Pudge - Director (British, 61 years old, born August 1965) Appointed 10 June 2009, Resigned 23 June 2009	Resigned
	Christopher Rayner - Director (British, 48 years old, born August 1978) Appointed 04 January 2021, Resigned 01 December 2023	Resigned
	David Richardson - Director (Irish, 54 years old, born November 1972) Appointed 19 April 2016, Resigned 30 June 2025	Resigned
	Ian Sellars - Director (British, 72 years old, born February 1954) Appointed 23 June 2009, Resigned 16 December 2009	Resigned
	Rizwan Sheriff - Director (British, 49 years old, born June 1977) Appointed 01 July 2025	Active
	Charles Sherwood - Director (British, 67 years old, born September 1959) Appointed 16 December 2009, Resigned 11 November 2013	Resigned
	Simon Thomas - Director (British, 62 years old, born January 1964) Appointed 31 July 2013, Resigned 31 October 2018	Resigned
	Clifford Chance Secretaries Limited - Secretary Appointed 10 June 2009, Resigned 21 September 2009	Resigned
	Tmf Corporate Administration Services Limited - Secretary Appointed 21 September 2009, Resigned 18 February 2010	Resigned

Secretaries

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	Craig Humphreys - Secretary Appointed 12 July 2010, Resigned 24 June 2011	Resigned
	Simon O'hara - Secretary Appointed 19 April 2016, Resigned 15 March 2019	Resigned
	Martin Smith - Secretary Appointed 15 August 2011, Resigned 19 April 2016	Resigned
	Simon Thomas - Secretary (British) Appointed 18 February 2010, Resigned 12 July 2010	Resigned
	Simon Thomas - Secretary Appointed 24 June 2011, Resigned 15 August 2011	Resigned
	Paul Waters - Secretary Appointed 15 March 2019, Resigned 26 April 2019	Resigned
	Simon Watson - Secretary Appointed 29 January 2020	Active
	David Whitehead - Secretary Appointed 27 April 2019, Resigned 29 January 2020	Resigned
	Clifford Chance Secretaries Limited - Secretary Appointed 10 June 2009, Resigned 21 September 2009	Resigned
	Tmf Corporate Administration Services Limited - Secretary Appointed 21 September 2009, Resigned 18 February 2010	Resigned

Other Company Directorships

Mark Godson
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 GROUP PLC
JUST PROTECTION LIMITED
JUST RE 1 LIMITED
JUST RE 2 LIMITED
JUST RETIREMENT (HOLDINGS) LIMITED
JUST RETIREMENT FINANCE PLC
JUST RETIREMENT LIMITED
JUST RETIREMENT MANAGEMENT SERVICES LIMITED
JUST RETIREMENT MONEY LIMITED
JUST RETIREMENT NOMINEES LIMITED
JUST RETIREMENT SOLUTIONS LIMITED
PARTNERSHIP ASSURANCE GROUP LIMITED
PARTNERSHIP GROUP HOLDINGS LIMITED
PARTNERSHIP HOLDINGS LIMITED
PARTNERSHIP HOME LOANS LIMITED
PARTNERSHIP LIFE ASSURANCE COMPANY LIMITED
PARTNERSHIP SERVICES LIMITED
PASPV LIMITED
PENSION BUDDY LIMITED
PLACL RE 1 LIMITED
PLACL RE 2 LIMITED
RETIRE DIFFERENT LIMITED
TOMAS ACQUISITIONS LIMITED

Rizwan Sheriff
JUST RETIREMENT FINANCE PLC

Balance Sheet

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Accounts Date	31-Dec-2024	30-Jun-2012	30-Jun-2011
Balance Sheet
Fixed Assets	5,054,400,000	5,054,400,000	113,700,000
Current Assets	3,213,400,000	3,213,400,000	5,725,500,000
Creditors Due Within One Year	8,142,900,000	8,142,900,000	5,695,000,000
Working Cap	-4,929,500,000	-4,929,500,000	30,500,000
Total Assets Less Current Liabilities	124,900,000	124,900,000	144,200,000
Long-term Liabilities	45,300,000	45,300,000	37,700,000
Net Assets	79,600,000	79,600,000	106,500,000
Share Capital & Reserves
Share Cap	73,000,000	73,000,000	114,600,000
Profit & Loss Reserves	7,200,000	7,200,000	-8,000,000
Other Reserves	-600,000	-600,000	-100,000
Shareholders Funds	79,600,000	79,600,000	106,500,000

Common Size Financial Analysis

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Accounts Date	31-Dec-2024	30-Jun-2012	30-Jun-2011
Tangible Fixed Assets	-	-	-
Fixed Assets	61.1%	61.1%	1.9%
Stocks Inventory	0.0%	0.0%	0.0%
Debtors	1.2%	1.2%	21.2%
Cash Bank In Hand	0.2%	0.2%	0.2%
Current Assets	38.9%	38.9%	98.1%
Creditors Due Within One Year	98.5%	98.5%	97.5%
Net Current Assets Liabilities	-59.6%	-59.6%	0.5%
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	1.0%	1.0%	1.8%
Called Up Share Capital	0.9%	0.9%	2.0%
Share Capital Allotted Called Up Paid	0.9%	0.9%	2.0%
Profit Loss Account Reserve	0.1%	0.1%	-0.1%
Shareholder Funds	1.0%	1.0%	1.8%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	1.5%	1.5%	2.5%

Financial Ratio Analysis

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Accounts Date	31-Dec-2024	30-Jun-2012	30-Jun-2011
Liquidity Ratio	0.4	0.4	1.0
Solvency Ratio	1.0	1.0	1.0
Reserves to Assets	0.0	0.0	0.0

Secured Creditors

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Mortgages Charges	4
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	4

Assets and Debt Analysis

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Accounts Date	31-Dec-2024	30-Jun-2012	30-Jun-2011
Assets	8,267,800,000	8,267,800,000	5,839,200,000
Debt	8,188,200,000	8,188,200,000	5,732,700,000
Net Assets/Debt	79,600,000	79,600,000	106,500,000

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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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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.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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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.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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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

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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

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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

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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

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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

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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)

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

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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

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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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