COOP5 LTD

🏛️Establishedactive

11893538 · ltd · incorporated 2019-03-20

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2025

Net worth

—

book net assets

Opportunity

72/100

Strong

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What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

18 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

72/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-09-30	2024-09-30
Average employees	0	0

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (14 events)Click to expand

2026-06-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
📄
change-account-reference-date-company-previous-extended
accounts · AA01
2023-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-08
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-01-08
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2019-04-05
📄
capital-allotment-shares
capital · SH01
2019-03-20
🏢
Company incorporated
As COOP5 LTD
2019-03-20
➕
COOPER, Jacqueline Helen appointed
director
2019-03-20
➕
COOPER, Paul Stuart appointed
director
2019-03-20
📄
incorporation-company
incorporation · NEWINC

Owner dependency

71/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Jacqueline Helen Cooper Individual · British · DOB 05/1972 · age 54	25–50%	25–50%	25-50% shares · 25-50% voting	20/03/2019
Mr Paul Stuart Cooper Individual · British · DOB 07/1969 · age 57	25–50%	25–50%	25-50% shares · 25-50% voting	20/03/2019

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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DJ 13 LTD→ 12950910 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →

🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

See pricing →

Company details

Statusactive

Typeltd

Incorporated2019-03-20

Jurisdictionengland-wales

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

3 Greengate Cardale Park

Harrogate

North Yorkshire

HG3 1GY

United Kingdom

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2027-04-02

Last: 2026-03-19

Officers (2 active · 0 resigned)

COOPER, Jacqueline Helen→

director · ~54y · appointed 2019-03-20

View their other companies + combined net worth →

Active

COOPER, Paul Stuart→

director · ~57y · appointed 2019-03-20

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.