5 STAR FINANCIAL SOLUTIONS LTD
💤Zombieactive
12306320 · ltd · incorporated 2019-11-08
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong 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. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · IFRS| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 200 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2025-06-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-13📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-04-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-11-07➖PAYNE, Alexander Mark resigneddirector
- 2022-08-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-05-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-11-13➕PAYNE, Alexander Mark appointeddirector
- 2019-11-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-11-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-11-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-11-08🏢Company incorporatedAs 5 STAR FINANCIAL SOLUTIONS LTD
- 2019-11-08➕PAYNE, Charlotte Emma appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Charlotte Emma Payne Individual · British · DOB 08/1974 · age 52 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 08/11/2019 |
1 historic (ceased) PSC
- Mr Alexander Mark Payneceased 07/11/2022· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · SK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4ME GROUP LTD→ 10219163 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 5 STAR MORTGAGE SOLUTIONS LIMITED→ 08939438 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| A.C.M. FINANCIAL SERVICES LTD.→ 03815056 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| AADT LIMITED→ 16827831 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AARC VENTURES LIMITED→ 15272512 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AB HUB SERVICES LTD→ 14758378 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ABCS2 HOLDINGS LTD→ 10411855 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACASTA EUROPE LIMITED→ 07270251 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| ACESTONE LIMITED→ 11989127 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACORN CAPITAL PARTNERS LIMITED→ 03821373 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| ADDSERVICE LIMITED→ 02483490 · est 1990 · no financials extracted | — | — | — | — | 36y | — | — |
| ADELPHI INSURANCE BROKERS LTD.→ 08333939 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2019-11-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Care Of Nw Accounts Limited 17 Leafield Road
Disley
Stockport
Cheshire
SK12 2JF
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07
Officers (1 active · 1 resigned)
PAYNE, Charlotte Emma→
Activedirector · ~52y · appointed 2019-11-08
View their other companies + combined net worth →
PAYNE, Alexander Mark→
Resigneddirector · ~51y · appointed 2019-11-13 · resigned 2022-11-07
Click a director name to see their full track record across all companies.
Recent filings (26 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-26
change-person-director-company-with-change-date
officers · CH01
2025-01-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
change-person-director-company-with-change-date
officers · CH01
2024-06-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-13
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-08
termination-director-company-with-name-termination-date
officers · TM01
2022-11-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-08
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-11-08