5LOYALTY HOLDINGS LIMITED
🌱Startupactive
16864988 · ltd · incorporated 2025-11-19
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
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Business and domestic software development
Sector: Information & communication
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 65/100. 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).
🏦
Refinance opportunity
1 live charge · oldest 0.4y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.4 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (57/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
6 filings
60
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
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
5
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 capital
Counts from Companies House filing history.
Corporate timeline (9 events)Click to expand
- 2026-01-12📄capital-allotment-sharescapital · SH01
- 2026-01-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-12-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-15🔒Charge registered #1Lender: William Robert Moore
- 2025-11-19🏢Company incorporatedAs 5LOYALTY HOLDINGS LIMITED
- 2025-11-19➕PHILLIPPE, Fiona Chiu appointeddirector
- 2025-11-19➕PHILLIPPE, Russell Peter appointeddirector
- 2025-11-19📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial 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.
- +Young company: Only 0.5 years old — management layer unlikely to be developed.
Succession & seller-readiness
36/100
Weak signalLimited 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
cleanNo 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 |
|---|---|---|---|---|
Mrs Fiona Chiu-Phillippe Individual · British · DOB 02/1989 · age 37 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 15/12/2025 |
Mr Russell Peter Phillippe Individual · British · DOB 11/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/11/2025 |
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.
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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
Incorporated2025-11-19
Jurisdictionengland-wales
Primary SIC62012 — Business and domestic software development
Registered office
Denmark House 143 High Street
Chalfont St. Peter
Gerrards Cross
Buckinghamshire
SL9 9QL
United Kingdom
Filing status
Accounts
Next due: 2027-08-19
Last made up to: —
Confirmation statement
Next due: 2027-05-11
Last: 2026-04-27
Officers (2 active · 0 resigned)
PHILLIPPE, Fiona Chiu→
Activedirector · ~37y · appointed 2025-11-19
View their other companies + combined net worth →
PHILLIPPE, Russell Peter→
Activedirector · ~44y · appointed 2025-11-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | William Robert Moore / Amy Moore | A registered charge | 1 property | 15/12/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (6 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-27
capital-allotment-shares
capital · SH01
2026-01-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-12-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-23
incorporation-company
incorporation · NEWINC
2025-11-19