Company Overview
Just Group Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Thursday 13 June 2013, so this is a well established company. Just Group Plc has been in business for 12 years and 10 months. The accounts status is group and the accounts are next due on Tuesday 30 June 2026.
Registered Address

Enterprise House, Bancroft Road, Reigate, Surrey, RH2 7RP
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Companies House Data
Company NameJUST GROUP PLC
Company Number08568957
Registered Office AddressEnterprise House
 Bancroft Road
 RH2 7RP
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date13/06/2013
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date11/07/2017
Returns Last Made Up Date13/06/2016
Previous Company NameChanged Date
JRP GROUP PLC18 May 2017
JUST RETIREMENT GROUP PLC04 Apr 2016
Directors & Members
Show Resigned
Jonathan Bayer - Director
(American, 50 years old, born April 1976)
Appointed 01 April 2026
 Active
Shashank Bhalla - Director
(British, 40 years old, born March 1986)
Appointed 01 April 2026
 Active
Jennifer Gillespie - Director
(Canadian, 56 years old, born March 1970)
Appointed 01 April 2026
 Active
Arshil Jamal - Director
(Canadian, 59 years old, born September 1967)
Appointed 01 April 2026
 Active
Frank Oldham - Director
(British, 65 years old, born April 1961)
Appointed 01 April 2026
 Active
David Richardson - Director
(Irish, 54 years old, born November 1972)
Appointed 04 April 2016
 Active
Secretaries
Show Resigned
Other Company Directorships
Jonathan Bayer
JUST RETIREMENT LIMITED
PARTNERSHIP LIFE ASSURANCE COMPANY LIMITED
Shashank Bhalla
BLUMONT ANNUITY COMPANY UK LTD
Jennifer Gillespie
JUST RETIREMENT LIMITED
PARTNERSHIP LIFE ASSURANCE COMPANY LIMITED
Arshil Jamal
BLUMONT ANNUITY COMPANY UK LTD
Frank Oldham
No companies found
David Richardson
JUST RETIREMENT (HOLDINGS) LIMITED
JUST RETIREMENT FINANCE PLC
JUST RETIREMENT GROUP HOLDINGS LIMITED
JUST RETIREMENT LIMITED
JUST RETIREMENT MONEY LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2016 31-Dec-2015
Balance Sheet
Fixed Assets 244,400,000 244,400,000 80,100,000
Current Assets 23,650,100,000 23,650,100,000 11,168,500,000
Creditors Due Within One Year 22,229,000,000 22,229,000,000 10,400,200,000
Working Cap 1,421,100,000 1,421,100,000 768,300,000
Total Assets Less Current Liabilities 1,665,500,000 1,665,500,000 848,400,000
Long-term Liabilities 54,900,000 54,900,000 34,400,000
Net Assets 1,610,600,000 1,610,600,000 814,000,000
Share Capital & Reserves
Share Cap 93,300,000 93,300,000 50,100,000
Profit & Loss Reserves 546,100,000 546,100,000 415,000,000
Other Reserves 971,200,000 971,200,000 348,900,000
Shareholders Funds 1,610,600,000 1,610,600,000 814,000,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2016 31-Dec-2015
Tangible Fixed Assets - - -
Fixed Assets 1.0% 1.0% 0.7%
Stocks Inventory - - 0.0%
Debtors 25.9% 25.9% 22.3%
Cash Bank In Hand 0.3% 0.3% 0.5%
Current Assets 99.0% 99.0% 99.3%
Creditors Due Within One Year 93.0% 93.0% 92.5%
Net Current Assets Liabilities 5.9% 5.9% 6.8%
Creditors Due After One Year 0.2% 0.2% 0.3%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 6.7% 6.7% 7.2%
Called Up Share Capital 0.4% 0.4% 0.4%
Share Capital Allotted Called Up Paid 0.4% 0.4% 0.4%
Profit Loss Account Reserve 2.3% 2.3% 3.7%
Shareholder Funds 6.7% 6.7% 7.2%
Capital Employed - - -
Total Assets Less Current Liabilities 7.0% 7.0% 7.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2016 31-Dec-2015
Liquidity Ratio 1.1 1.1 1.1
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets 0.0 0.0 0.0
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2016 31-Dec-2015
Assets 23,894,500,000 23,894,500,000 11,248,600,000
Debt 22,283,900,000 22,283,900,000 10,434,600,000
Net Assets/Debt 1,610,600,000 1,610,600,000 814,000,000

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.

The current section of the balance sheet has positive working capital. We would normally consider this positively. 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 substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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 current section of the balance sheet has positive working capital. We would normally consider this positively. 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 substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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 current section of the balance sheet has positive working capital. We would normally consider this positively. 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 substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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
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Document Filings
Statement of capital following an allotment of shares on 1 April 2026
Appointment of Sir Nigel David Wilson as a director on 1 April 2026
Court order
Termination of appointment of James Alexander Brown as a director on 1 April 2026
Termination of appointment of Mary Teresa Kerrigan as a director on 1 April 2026
Termination of appointment of Mary Catherine Phibbs as a director on 1 April 2026
Termination of appointment of Matthew Christopher Saker as a director on 1 April 2026
Termination of appointment of John Peter Hastings-Bass as a director on 1 April 2026
Termination of appointment of Michelle Ann Cracknell as a director on 1 April 2026
Termination of appointment of Mark William Godson as a director on 1 April 2026
Appointment of Mr Shashank Bhalla as a director on 1 April 2026
Appointment of Ms Jennifer Lyne Gillespie as a director on 1 April 2026
Appointment of Mr Jonathan Scott Bayer as a director on 1 April 2026
Appointment of Mr Arshil Jamal as a director on 1 April 2026
Appointment of Mr Frank Trevor Oldham as a director on 1 April 2026
Statement of capital following an allotment of shares on 27 March 2026
Resolutions
Memorandum and Articles of Association
Appointment of Mr Matthew Christopher Saker as a director on 1 August 2025
Director's details changed for Mr James Alexander Brown on 4 April 2025
Confirmation statement made on 4 July 2025 with no updates
Resolutions
Termination of appointment of Kalpana Shah as a director on 1 March 2025
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