JUST RETIREMENT MONEY LIMITED
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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
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
-
6 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| 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 | 0 | 0 | |
| 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
-
Turnover
+8%
£47,446,000 £51,252,000
-
Cash
+14.1%
£10,506,000 £11,984,000
-
Net assets
+48.6%
£2,910,000 £4,323,000
-
Employees
—
Not reported
-
Operating profit
+181.2%
-£1,860,000 £1,511,000
-
Profit before tax
+171.1%
-£2,647,000 £1,882,000
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 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | -3.9% | 2.9% | |
| Net margin | -4.2% | 2.8% | |
| Gearing (liabilities / total assets) | 94.4% | 89.7% | |
| Current ratio | 0.28x | 0.43x | |
| Interest cover | -1.34x | 0.97x |
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
- JUST RETIREMENT MONEY LIMITED 2015-05-22 → present
- 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
- “On 19 September 2025, Just Group plc announced shareholder approval of a recommended cash offer by BWS Holdings Limited ("BWS"), a wholly owned subsidiary of Brookfield Wealth Solutions Limited, to acquire the entire issued and to be issued share capital of the company. Subsequently on 23 March 2026, Just Group plc announced that all requisite regulatory approvals have been received and the Sanction Hearing has been scheduled to be held on 27 March 2026; the Scheme is expected to become Effective on 1 April 2026.”
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 | |
| 2026-05-08 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-04-13 | AA | accounts | Accounts with accounts type full | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-09 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-09 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-09 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-02 | TM01 | officers | Termination director company with name termination date | |
| 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 | |
| 2024-06-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-19 | AA | accounts | Accounts with accounts type full | |
| 2023-12-01 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-01 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-15 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 13
- Capital events
- 0
- Officers appointed
- 5
- Officers resigned
- 6
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.