Company Overview
Better Retirement Group Limited is listed at the official companies registry as in Liquidation Private Limited Company. The company was incorporated on Wednesday 19 February 1992, so this is a well established company. Better Retirement Group Limited has been in business for 34 years and 1 month. The accounts status is total exemption full and the accounts are next due on Friday 30 December 2022.
Registered Address

1 Kings Avenue, Winchmore Hill, London, N21 3NA
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Companies House Data
Company NameBETTER RETIREMENT GROUP LIMITED
Company Number02688895
Registered Office Address1 Kings Avenue
 Winchmore Hill
 N21 3NA
Company CategoryPrivate Limited Company
Company StatusLiquidation
Country of OriginUnited Kingdom
Incorporation Date19/02/1992
Accounting Reference Date Day30
Accounting Reference Date Month3
Accounts Next Due Date30/12/2022
Accounts Last Made Up Date30/03/2021
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date19/03/2017
Returns Last Made Up Date19/02/2016
Previous Company NameChanged Date
DIRECTLY FINANCIAL LIMITED11 Feb 2011
Directors & Members
Show Resigned
Stuart Bayliss - Director
(British, 71 years old, born February 1955)
Appointed 22 July 2015
 Active
Secretaries
Show Resigned
Other Company Directorships
Stuart Bayliss
50+ FINANCE LIMITED
ANNUITY EXPRESS LTD
ANNUITY MARKETING SERVICES LIMITED
BETTER ANNUITY LTD
BETTER RETIREMENT LIMITED
BETTER RETIREMENT SOLUTIONS LTD
C.A. OWEN LIMITED
CAREHELPLINE LTD
DIRECTLY FINANCIAL LTD
EBUSINESS CREATOR LIMITED
ECOM GROUP TECHNOLOGY LIMITED
ERESEARCH LIMITED
FAMILY BUSINESS TRAINING LTD
FAMILY LIVES
FINANCIAL STRATEGY LIMITED
FINE FINANCIAL CARE GROUP LIMITED
LIFE & HEALTH DIRECT LIMITED
OPEN MARKET PENSIONS LIMITED
OPEN MARKET PENSIONS LIMITED
PENSION EXCHANGE LTD
PENSION INCOME LTD
PENSION SYSTEMS LTD
RETIREMENT EXCHANGE LTD
RETIREMENT INCOME LTD
RETIREMENT INCOME PLANNING LIMITED
RETIREMENT INCOME PLANNING LTD
RETIREMENT ROADSHOW LIMITED
RETIREMENT SYSTEMS LTD
SIBLING TRADING LTD
THE ANNUITY CORPORATION LIMITED
THE ANNUITY EXCHANGE LTD
THE NATIONAL CARELINE LIMITED
THE PENSION BUREAU LIMITED
THE PENSION BUREAU LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Mar-2021 31-Mar-2011 31-Mar-2010
Balance Sheet
Fixed Assets 7,202 7,202 8,580
Current Assets 81,321 81,321 160,265
Creditors Due Within One Year 53,952 53,952 109,751
Working Cap 27,369 27,369 50,514
Total Assets Less Current Liabilities 34,571 34,571 59,094
Long-term Liabilities 492,908 492,908 313,850
Net Assets -458,337 -458,337 -254,756
Share Capital & Reserves
Share Cap 10,000 10,000 10,000
Profit & Loss Reserves -468,337 -468,337 -264,756
Other Reserves 0 0 0
Shareholders Funds -458,337 -458,337 -254,756
Common Size Financial Analysis Unlock full report
Accounts Date 30-Mar-2021 31-Mar-2011 31-Mar-2010
Tangible Fixed Assets - - -
Fixed Assets 8.1% 8.1% 5.1%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 76.0% 76.0% 76.2%
Cash Bank In Hand 15.9% 15.9% 18.7%
Current Assets 91.9% 91.9% 94.9%
Creditors Due Within One Year 60.9% 60.9% 65.0%
Net Current Assets Liabilities 30.9% 30.9% 29.9%
Creditors Due After One Year 556.8% 556.8% 185.9%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability -517.8% -517.8% -150.9%
Called Up Share Capital 11.3% 11.3% 5.9%
Share Capital Allotted Called Up Paid 11.3% 11.3% 5.9%
Profit Loss Account Reserve -529.1% -529.1% -156.8%
Shareholder Funds -517.8% -517.8% -150.9%
Capital Employed - - -
Total Assets Less Current Liabilities 39.1% 39.1% 35.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Mar-2021 31-Mar-2011 31-Mar-2010
Liquidity Ratio 1.5 1.5 1.5
Solvency Ratio 0.2 0.2 0.4
Reserves to Assets -5.3 -5.3 -1.6
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Mar-2021 31-Mar-2011 31-Mar-2010
Assets 88,523 88,523 168,845
Debt 546,860 546,860 423,601
Net Assets/Debt -458,337 -458,337 -254,756

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 has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.

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 has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.  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 has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.

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
Liquidators' statement of receipts and payments to 1 September 2025
Liquidators' statement of receipts and payments to 1 September 2024
Statement of affairs
Liquidators' statement of receipts and payments to 1 September 2023
Registered office address changed from 400 Pavilion Drive Northampton NN4 7PA England to 1 Kings Avenue Winchmore Hill London N21 3NA on 14 September 2022
Appointment of a voluntary liquidator
Resolutions
Compulsory strike-off action has been discontinued
Confirmation statement made on 19 February 2022 with updates
First Gazette notice for compulsory strike-off
Cessation of Simon Gregory Michael Whitehead as a person with significant control on 16 December 2020
Confirmation statement made on 19 February 2021 with no updates
Order of court to rescind winding up
Order of court to wind up
Termination of appointment of Simon Gregory Michael Whitehead as a director on 1 December 2020
Compulsory strike-off action has been discontinued
First Gazette notice for compulsory strike-off
Confirmation statement made on 19 February 2020 with updates
Change of details for Mr Stuart Philip Bayliss as a person with significant control on 2 December 2019
Director's details changed for Mr Stuart Philip Bayliss on 2 December 2019
Statement of capital following an allotment of shares on 30 September 2019
Registered office address changed from Leeds Innovation Centre 103 Clarendon Road Leeds LS2 9DF England to 400 Pavilion Drive Northampton NN4 7PA on 14 August 2019
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