5 TOWNS HOLDINGS LTD
Opportunity 70/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
8 live charges · 5 lenders · oldest 4.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.8 years — mid-life; refi window approaching.
- · 5 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)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
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 mortgage
Corporate timeline (32 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-16🔒Charge registered #8Lender: Keystone Property Finance Limited
- 2025-11-26📄resolutionresolution · RESOLUTIONS
- 2025-11-26📄memorandum-articlesincorporation · MA
- 2025-11-17📄memorandum-articlesincorporation · MA
- 2025-10-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-03🔒Charge registered #7Lender: Lendinvest Btl Limited
- 2025-04-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-19🔒Charge registered #6Lender: Landbay Partners Limited
- 2024-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-01🔒Charge registered #5Lender: Lendinvest Btl Limited
- 2023-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-08🔒Charge registered #4Lender: Shawbrook Bank Limited
- 2022-08-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-10🔒Charge registered #3Lender: Lendinvest Btl Limited
- 2022-07-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-15➖MITCHELL, Craig resigneddirector
- 2022-03-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-07🔒Charge registered #2Lender: Octane Property Finance 4 Limited
- 2021-07-21🔒Charge registered #1Lender: Lendinvest Btl Limited
- 2020-06-22🏢Company incorporatedAs 5 TOWNS HOLDINGS LTD
- 2020-06-22➕DICKINSON, Alan Stephen appointeddirector
- 2020-06-22➕MITCHELL, Craig 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
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Stephen Dickinson Individual · British · DOB 06/1970 · age 56 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/06/2020 |
1 historic (ceased) PSC
- Mr Craig Mitchellceased 15/07/2022· 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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|---|---|---|---|---|---|---|---|
| 11 PARK PLACE (LEEDS) LTD→ 16031203 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| 3A-SPACES LTD→ 16977079 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 3M PROPERT LIMITED→ 14013105 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 3SIXTY PROPERTY LIMITED→ 09789429 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
9 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.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 16/12/2025 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 03/10/2025 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 19/06/2024 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 01/08/2023 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 08/03/2023 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 10/08/2022 | — | |
| outstanding | Octane Property Finance 4 Octane Property Finance 4 Limited | A registered charge | 1 property | 07/03/2022 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 21/07/2021 | — |