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Next accounts due

2027-09-30 (in 1y)

Last filed for 2025-12-31

Confirmation statement due

2026-07-22 (in 2mo)

Last made up 2025-07-08

Watchouts

1 item

Cash

£12M

+14.1% vs 2024

Net assets

£4M

+48.6% vs 2024

Employees

0

Average over period

Profit before tax

£2M

+171.1% vs 2024

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Accounts

2-year trend · latest reflected 2025-12-31

Metric Trend 2024-12-312025-12-31
Turnover £47,446,000£51,252,000
Operating profit -£1,860,000£1,511,000
Profit before tax -£2,647,000£1,882,000
Net profit -£1,990,000£1,413,000
Cash £10,506,000£11,984,000
Total assets less current liabilities
Net assets £2,910,000£4,323,000
Equity £2,910,000£4,323,000
Average employees 00
Wages
Directors' remuneration £388,000£469,000

Values shown as filed in the company's annual accounts. indicates the figure wasn't present under that line item in that period. About these numbers

Year-on-year

FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Ratios

Computed from the line items above — sparklines read oldest → newest

Ratio Trend 2024-12-312025-12-31
Operating margin -3.9%2.9%
Net margin -4.2%2.8%
Gearing (liabilities / total assets) 94.4%89.7%
Current ratio 0.28x0.43x
Interest cover -1.34x0.97x

Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.

Name history

Renamed 1 time since incorporation

  1. JUST RETIREMENT MONEY LIMITED 2015-05-22 → present
  2. ARGUS MORTGAGES LIMITED 2015-01-30 → 2015-05-22

Audit & accounting basis

Accounting basis
IFRS
Reporting scope
Standalone (parent only)
Auditor
PricewaterhouseCoopers LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“After making appropriate enquiries and assessing the Company's ability to continue as a going concern for at least the next 12 months, the Directors have concluded that the Company has sufficient resources to remain in operational existence for the foreseeable future. Accordingly, the financial statements have been prepared on a going concern basis.”

Significant events

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

5 active · 20 resigned

Name Role Appointed Born Nationality
WYSE, Anna Secretary 2026-05-01
BHALLA, Shashank Director 2026-04-01 Mar 1986 British
EVANS, Thomas Iain Director 2025-07-01 May 1981 British
JAMAL, Arshil Director 2026-04-01 Sep 1967 Canadian
OLDHAM, Frank Trevor Director 2026-04-01 Apr 1961 British
Show 20 resigned officers
Name Role Appointed Resigned
O'HARA, Simon Andrew Secretary 2016-04-19 2019-03-15
SMITH, Martin Charles Secretary 2015-01-30 2016-04-19
WATERS, Paul Secretary 2019-03-15 2019-04-26
WATSON, Simon Donald Secretary 2020-01-29 2026-05-01
WHITEHEAD, David Secretary 2019-04-26 2020-01-29
BISHOP, Paul Director 2016-04-04 2023-01-05
BYRNE, Kathleen Jeanette Director 2023-01-05 2026-04-01
COOK, Rodney Malcolm Director 2015-01-30 2016-04-04
COOPER, David Paul Director 2016-04-04 2023-01-05
CORMACK, Ian Donald Director 2016-04-04 2023-01-05
CRACKNELL, Michelle Ann Director 2023-01-05 2026-04-01
DEAKIN, Michael John Director 2016-04-04 2019-07-15
GODSON, Mark William Director 2023-12-01 2026-04-01
KENNEDY, Jane Anne Director 2016-04-04 2017-06-30
MELCHER, Andrew Stephen Director 2016-04-04 2022-12-31
PARSONS, Andrew Mark Director 2020-02-13 2023-12-01
PHIBBS, Mary Catherine Director 2023-01-05 2026-04-01
RICHARDSON, David Louis Director 2016-04-04 2023-01-05
THOMAS, Simon George Director 2015-01-30 2016-04-04
TURNER, Paul James Director 2015-01-30 2025-06-30

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Just Retirement (Holdings) Limited Corporate entity Shares 75–100%, Voting 75–100%, Appoints directors 2016-04-06 Active

Filing timeline

Last 20 of 76 total filings

Date Type Category Description
2026-05-08 AP03 officers Appoint person secretary company with name date PDF
2026-05-08 TM02 officers Termination secretary company with name termination date PDF
2026-04-13 AA accounts Accounts with accounts type full
2026-04-09 TM01 officers Termination director company with name termination date PDF
2026-04-09 TM01 officers Termination director company with name termination date PDF
2026-04-09 TM01 officers Termination director company with name termination date PDF
2026-04-09 TM01 officers Termination director company with name termination date PDF
2026-04-09 AP01 officers Appoint person director company with name date PDF
2026-04-09 AP01 officers Appoint person director company with name date PDF
2026-04-09 AP01 officers Appoint person director company with name date PDF
2025-07-08 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-07-07 AP01 officers Appoint person director company with name date PDF
2025-07-02 TM01 officers Termination director company with name termination date PDF
2025-04-23 AA accounts Accounts with accounts type full
2024-11-28 PSC05 persons-with-significant-control Change to a person with significant control PDF
2024-06-25 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-05-19 AA accounts Accounts with accounts type full
2023-12-01 TM01 officers Termination director company with name termination date PDF
2023-12-01 AP01 officers Appoint person director company with name date PDF
2023-06-15 CS01 confirmation-statement Confirmation statement with no updates PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
13

last 12 months

Capital events
0

last 24 months

Officers appointed
5

last 12 months

Officers resigned
6

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page