5 STAR FINANCIAL SOLUTIONS LTD
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
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 (86/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
3 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · IFRS| Metric | 2025-11-30 | 2024-11-30 | 2023-11-30 |
|---|---|---|---|
| Average employees | 200 | 200 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
Corporate timeline (23 events)Click to expand
- 2026-06-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 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
- 2019-11-08🏢Company incorporatedAs 5 STAR FINANCIAL SOLUTIONS LTD
- 2019-11-08➕PAYNE, Charlotte Emma appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & 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.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.