UK Companies House feature
KEY RETIREMENT SOLUTIONS LIMITED
Profile
- Company number
- 02457440
- Status
- Active
- Incorporation
- 1990-01-09
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on the going concern basis as the Directors have a reasonable expectation that the Company has adequate resources for a period of at least 12 months from the date of signing the financial statements.”
Subsidiaries
- Equity Release Assured Limited · 100% held · Great Britain
- Home Equity Release Service Limited · 100% held · Great Britain
- Key Secured Lending Limited · 100% held · Great Britain
- The Retirement Lending Advisers Limited · 100% held · Great Britain
- Modern Lending Advisers Limited · 100% held · Great Britain
- TERE Advisers Ltd · 100% held · Great Britain
- Key Advice Solutions Limited · 100% held · Great Britain
Significant events
- “The announcement of the UK General Election in the summer of 2024, coupled with the anticipated tough Chancellor's Budget in the autumn, followed by the US Presidential Election led customers to defer their decisions on extracting equity from their homes.”
- “Interest Reward and Interest Served products were launched, aimed at customers who can continue to pay some interest towards their LLL mortgage whilst perhaps still earning, then converting to a traditional ER mortgage at the point that they are unable to continue to contribute (i.e. retirement).”
- “During 2024 the Group has been developing a new suite of Later life lending (LLL) products which support those customers who previously could not be adequately served by either the traditional equity release or residential mortgage market. These products which were launched in January 2024”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
8 active · 29 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BUCHER, Lukas Martin | Director | 2018-09-26 | Nov 1976 | Swiss |
| DEAKIN, Andrew David | Director | 2018-09-26 | Mar 1973 | British |
| GROVES, Stephen James | Director | 2018-09-26 | Jan 1975 | British |
| HALE, William Benjamin | Director | 2017-10-16 | Oct 1975 | British |
| KENNEDY, Jane Anne | Director | 2024-07-08 | Feb 1963 | British |
| PERKIN, James Tristan | Director | 2026-01-28 | Sep 1980 | British |
| THOMPSON, Simon Christopher | Director | 2014-03-11 | Nov 1972 | British |
| YOUNG, David Thomas Mcaree | Director | 2018-09-26 | Jun 1961 | British |
Show 29 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CORNWALL, Steven Craig | Secretary | 2004-06-30 | 2006-08-11 |
| EVANS, Grant Dudley | Secretary | 2006-10-03 | 2007-04-25 |
| KILGALLON, Stephen Anthony | Secretary | 2007-04-25 | 2017-08-29 |
| LAVENDER BROWN, Fiona Kate | Secretary | 1994-04-05 | 1995-04-13 |
| MELLING, Christopher Eric | Secretary | 1998-06-01 | 2001-06-28 |
| MILES, Thomas George | Secretary | — | 1994-03-31 |
| ROMNEY, Kenneth Owen | Secretary | 2001-06-28 | 2004-06-30 |
| SEWELL, Robert Peter | Secretary | 1995-11-14 | 1998-06-01 |
| WILSON, Paul Ernest Howard | Secretary | 2006-08-12 | 2006-10-02 |
| SALANS SECRETARIAL SERVICES LIMITED | Corporate Secretary | 1995-04-13 | 1995-11-14 |
| ARSCOTT, Keith Richard | Director | 1998-06-01 | 2000-07-31 |
| BIBBY, Christopher Paul | Director | 2018-03-29 | 2025-01-28 |
| CLARK, James Roy | Director | 2006-02-01 | 2013-08-21 |
| CONNOR, Peter | Director | — | 1993-12-03 |
| CREW, Anthony Brian | Director | 1999-01-25 | 2003-02-28 |
| DREW, Simon Richard | Director | 2021-07-26 | 2025-07-31 |
| GILBERT, Paul Kenneth | Director | — | 1994-04-06 |
| MARRIS, Terry | Director | 1995-09-14 | 2004-06-30 |
| MIRFIN, Dean Russell | Director | 2002-08-07 | 2018-03-30 |
| OVERSON, Richard John | Director | 2002-08-07 | 2018-03-30 |
| RAE, Joseph Colvin | Director | 1994-01-24 | 1995-09-14 |
| ROBINSON, Hugh James Francis | Director | 1995-02-01 | 1995-09-14 |
| ROMNEY, Kenneth Owen | Director | 2001-01-02 | 2004-06-30 |
| SCOTT, Robert James | Director | 2017-07-18 | 2021-03-31 |
| TAYLOR, Colin | Director | 1998-06-15 | 2017-08-03 |
| TRUSCOTT, Edward Michael | Director | — | 1993-05-31 |
| WILKINSON, Michael David, Dr | Director | 1995-09-14 | 1998-06-01 |
| WILSON, Paul Ernest Howard | Director | 2012-03-06 | 2014-10-13 |
| WILSON, Paul Ernest Howard | Director | 2002-08-07 | 2008-01-18 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Krs Finance Ltd | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 207 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-02-05 | AP01 | officers | appoint person director company with name date |
| 2026-01-06 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-09-02 | AA | accounts | accounts with accounts type full |
| 2025-08-04 | TM01 | officers | termination director company with name termination date |
| 2025-01-29 | TM01 | officers | termination director company with name termination date |
| 2025-01-06 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-09-02 | AA | accounts | accounts with accounts type full |
| 2024-07-08 | AP01 | officers | appoint person director company with name date |
| 2024-01-05 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-11-24 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2023-10-13 | MR04 | mortgage | mortgage satisfy charge full |
| 2023-09-29 | AA | accounts | accounts with accounts type full |
| 2023-01-10 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-11-02 | CH01 | officers | change person director company with change date |
| 2022-09-12 | AA | accounts | accounts with accounts type full |
| 2022-01-05 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2021-09-27 | AA | accounts | accounts with accounts type full |
| 2021-08-23 | AP01 | officers | appoint person director company with name date |
| 2021-04-19 | TM01 | officers | termination director company with name termination date |
| 2021-01-15 | CS01 | confirmation-statement | confirmation statement with no updates |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.