Company Overview
Just Financial Group Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 22 January 2016, so this is a well established company. Just Financial Group Ltd has been in business for 10 years and 2 months. The accounts status is total exemption full and the accounts are next due on Saturday 31 October 2026.
Registered Address

200 Bath Street, 2Nd Floor, Glasgow, G2 4HG
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Companies House Data
Company NameJUST FINANCIAL GROUP LTD
Company NumberSC524886
Registered Office Address200 Bath Street
 2nd Floor
 G2 4HG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/01/2016
Accounting Reference Date Day31
Accounting Reference Date Month1
Accounts Next Due Date31/10/2026
Accounts Last Made Up Date31/01/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date19/02/2017
Directors & Members
Dhawal Chandan - Director
(British, 46 years old, born May 1980)
Appointed 22 January 2016
 Active
Al-Karim Parpia - Director
(British, 43 years old, born September 1983)
Appointed 26 April 2019
 Active
Gary Watt - Director
(British, 48 years old, born September 1978)
Appointed 22 January 2016
 Active
Secretaries
Dhawal Chandan - Secretary
Appointed 22 January 2016
 Active
Other Company Directorships
Dhawal Chandan
ASPIRE WEALTH MANAGEMENT LIMITED
DC PREMIER WEALTH MANAGEMENT LIMITED
JUST FINANCIAL HOLDINGS LTD
LIVING SPACE (SCOTLAND) LTD
SATUS CAPITAL LTD
Al-Karim Parpia
ASPIRE WEALTH MANAGEMENT LIMITED
ATHOLL SCOTT FINANCIAL SERVICES LIMITED
BRIGHT RIVERS WEALTH MANAGEMENT LTD
H & A VENTURES LTD
JUST FINANCIAL HOLDINGS LTD
LIVING SPACE (SCOTLAND) LTD
SATUS CAPITAL LTD
Gary Watt
ASPIRE WEALTH MANAGEMENT LIMITED
GARY WATT FINANCIAL SERVICES LTD
JUST FINANCIAL HOLDINGS LTD
LIVING SPACE (SCOTLAND) LTD
SATUS CAPITAL LTD
Balance Sheet Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Balance Sheet
Fixed Assets 35,661 35,661 54,442
Current Assets 347,971 347,971 280,645
Creditors Due Within One Year 34,021 34,021 51,948
Working Cap 313,950 313,950 228,697
Total Assets Less Current Liabilities 349,611 349,611 283,139
Long-term Liabilities 9,277 9,277 13,573
Net Assets 340,334 340,334 269,566
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 340,334 340,334 269,566
Common Size Financial Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Tangible Fixed Assets - - -
Fixed Assets 9.3% 9.3% 16.2%
Stocks Inventory - - -
Debtors 0.2% 0.2% 0.2%
Cash Bank In Hand 80.4% 80.4% 76.7%
Current Assets 90.7% 90.7% 83.8%
Creditors Due Within One Year 8.9% 8.9% 15.5%
Net Current Assets Liabilities 81.8% 81.8% 68.3%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 88.7% 88.7% 80.4%
Capital Employed - - -
Total Assets Less Current Liabilities 91.1% 91.1% 84.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Liquidity Ratio 10.2 10.2 5.4
Solvency Ratio 8.9 8.9 5.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Assets 383,632 383,632 335,087
Debt 43,298 43,298 65,521
Net Assets/Debt 340,334 340,334 269,566

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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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
Secretary's details changed for Mr Dhawal Vasant Chandan on 4 March 2026
Registered office address changed from 200 Bath Street 200 Bath Street 2nd Floor Glasgow G2 4HG Scotland to 200 Bath Street 2nd Floor Glasgow G2 4HG on 4 March 2026
Director's details changed for Mr Gary Anthony Watt on 4 March 2026
Director's details changed for Mr Dhawal Vasant Chandan on 4 March 2026
Director's details changed for Mr Al-Karim Sarfaraz Parpia on 4 March 2026
Confirmation statement made on 20 November 2025 with updates
Confirmation statement made on 20 November 2024 with updates
Cessation of Dhawal Vasant Chandan as a person with significant control on 25 November 2023
Cessation of Al-Karim Sarfaraz Parpia as a person with significant control on 25 November 2023
Notification of Just Financial Holdings Ltd as a person with significant control on 25 November 2023
Confirmation statement made on 20 November 2023 with updates
Confirmation statement made on 29 August 2023 with updates
Change of details for Mr Al-Karim Sarfaraz Parpia as a person with significant control on 16 August 2023
Cessation of Gary Anthony Watt as a person with significant control on 16 August 2023
Sub-division of shares on 29 June 2023
Confirmation statement made on 21 January 2023 with updates
Confirmation statement made on 21 January 2022 with updates
Director's details changed for Mr Al-Karim Sarfaraz Parpia on 20 November 2021
Change of details for Mr Al-Karim Sarfaraz Parpia as a person with significant control on 20 November 2021
Confirmation statement made on 21 January 2021 with updates
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