Just Retirement Limited

Reference number: 232595

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When wearejust.co.uk first appeared online, and whether it can receive email
  • What kind of line 01737 233297 is, and the 3 other firms that give it
  • Who else gives the postcode RH2 7RP
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Just Trading name
  • Abacus Annuities Ltd Former name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (9 permissions)
  • Accepting Deposits
  • Administering a regulated mortgage contract
  • Arranging (bringing about) deals in investments
  • Carrying out contracts of insurance
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Entering into a regulated mortgage contract as lender
  • Establishing/operating/winding up a personal pension scheme
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Activities only in respect of long term insurance.
    The firm may only carry on listed activities in respect of the investments specified for the purpose of its long term insurance business.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
05017193
Company status
Active
Company type
Private limited company
Incorporated
16 January 2004 (22 years old)
Registered office
Enterprise House, Bancroft Road, Reigate, Surrey, RH2 7RP, England
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathan Scott Bayer Director Apr 1976 1 Apr 2026 2 other companies
Arshil Jamal Director Sep 1967 1 Apr 2026 7 other companies
Frank Trevor Oldham Director Apr 1961 1 Apr 2026 10 other companies
Nigel David Wilson (Sir) Director Nov 1956 1 Apr 2026 2 other companies
Shashank Bhalla Director Mar 1986 1 Apr 2026 19 other companies
Richard Julian Robert Faber Director Jul 1974 1 Apr 2026 7 other companies
Jennifer Lyne Gillespie Director Mar 1970 1 Apr 2026 3 other companies
Anna Wyse Secretary Not published 1 May 2026 –

Other companies run by these 7 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
28
closed down
3
are FCA-registered
8

In the full report: all 28 companies, named

  • What each company does, and whether it is still trading
  • Which of these 7 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 8 on the FCA register, including one no longer authorised
  • The 7 companies these 7 directors run together
  • All 53 people who have ever been directors, with their dates
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Key dates in its history

Just Retirement’s history from the FCA register and Companies House, newest first.

Key events (9) All events (112)

2026

24 April 2026

  • Board replaced: all 10 directors left and 7 new directors took over

Companies House

2016

6 April 2016

  • Just Retirement (Holdings) Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2004

13 August 2004

  • Regulated by the Financial Services Authority from this date
  • FCA imposed a requirement (Activities only in respect of long term insurance.)
  • Became authorised by the FCA

FCA register · Companies House

28 July 2004

  • Changed its registered name from "Abacus Annuities Ltd"

FCA register

16 January 2004

  • Incorporated at Companies House

Companies House

In the full report: all 112 events

  • All 112 events in its history (9 shown here)
  • Every director appointment and resignation: 99
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Firms connected to Just Retirement

Other FCA-listed firms that share a director, phone number or address with Just Retirement. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
7
no longer authorised
1
share a director
7

In the full report: all 7 connected firms, named

  • How each is linked: shared directors (7), the same phone number (3), the same postcode (5)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Just Retirement

Other firms of the same type (insurer), nearest first.

In Reigate

Tesco Underwriting LimitedReigateAuthorisedesure Insurance LimitedReigateAuthorised

In the Redhill (RH) postcode area

Astrenska Insurance LimitedHaywards HeathAuthorisedRentokil Insurance LimitedWest SussexAuthorisedUnum LimitedDorkingAuthorisedAXA France IARDRedhillAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Just Retirement

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 28 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 112 events in its history
  • 7 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Just Retirement Limited FCA authorised?
Yes, Just Retirement Limited (FRN 232595) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2004 and works as an insurer. The FCA has placed a limit on what it may do.
What is Just Retirement’s phone number and website?
The FCA register lists the phone number 01737 233297 and the website wearejust.co.uk for Just Retirement. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 3 other FCA firms.
Is Just Retirement a scam or clone?
Just Retirement is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Just Retirement?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Just Retirement to the Financial Ombudsman Service, free of charge.
Who owns Just Retirement?
Just Retirement is owned by Just Retirement (Holdings) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Just Retirement?
Companies House lists 7 directors of Just Retirement: Jonathan Scott Bayer, Arshil Jamal, Frank Trevor Oldham, Nigel David Wilson (Sir), Shashank Bhalla, Richard Julian Robert Faber and 1 more.
How long has Just Retirement been in business?
The company was formed on 16 January 2004, and has held its current FCA authorisation since August 2004.
Does Just Retirement use any other names?
It trades as Just. It has previously used the name Abacus Annuities Ltd.

Sources and links

The full report on Just Retirement Limited

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