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EXCHANGE COMMISSION**\n\n**WASHINGTON,\nD.C. 20549**\n\n \n\n**FORM\n20-F**\n\n \n\n☐\n**REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**OR**\n\n \n\n☒\n**ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**For\nthe fiscal year ended December 31, 2025**\n\n \n\n**OR**\n\n \n\n☐\n**TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\n**For\nthe transition period from _________ to _____________.**\n\n \n\n**OR**\n\n \n\n☐\n**SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**\n\n \n\nDate\nof event requiring this shell company report:\n\n \n\nCommission\nfile number: 001-42557\n\n \n\n**RedCloud\nHoldings plc**\n\n(Exact\nname of Registrant as Specified in its Charter)\n\n \n\n**England\nand Wales**\n\n(Jurisdiction\nof Incorporation or Organization)\n\n \n\n**50\nLiverpool Street, London, EC2M 7PY, United Kingdom**\n\n(Address\nof Principal Executive Offices)\n\n \n\n**Justin\nFloyd, Chief Executive Officer**\n\n**50\nLiverpool Street, London, EC2M 7PY, United Kingdom**\n\n**Tel:\n+44 (0) 207 754 3735**\n\n**Email:\njustin.floyd@redcloudtechnology.com**\n\n(Name,\nTelephone, E-mail and/or Facsimile Number and Address of Company Contact Person)\n\n \n\nSecurities\nregistered or to be registered pursuant to Section 12(b) of the Act:\n\n \n\n**Title\nof Each Class**\n \n**Trading\nSymbol(s)**\n \n**Name\nof Each Exchange On Which Registered**\n\n**Ordinary\nshares, par value £0.002 per share**\n \n**RCT**\n \n**The\nNasdaq Stock Market LLC**\n\n \n\nSecurities\nregistered or to be registered pursuant to Section 12(g) of the Act:\n\n \n\nNone\n\n(Title\nof Class)\n\n \n\nSecurities\nfor which there is a reporting obligation pursuant to Section 15(d) of the Act:\n\n \n\nNone\n\n(Title\nof Class)\n\n \n\nThe\nnumber of the issuer’s ordinary shares as of May 15, 2026, was 59,362,026 ordinary shares.\n\n \n\nIndicate\nby check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.\n\n \n\nYes\n☐ No ☒\n\n \n\nIf\nthis report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section\n13 or 15(d) of the Securities Exchange Act of 1934.\n\n \n\nYes\n☐ No ☒\n\n \n\nIndicate\nby check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange\nAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)\nhas been subject to such filing requirements for the past 90 days.\n\n \n\nYes\n☒ No ☐\n\n \n\nIndicate\nby check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule\n405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant\nwas required to submit such files).\n\n \n\nYes\n☒ No ☐\n\n \n\nIndicate\nby check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or an emerging growth\ncompany. See definition of “large accelerated filer,” “accelerated filer” and “emerging growth company”\nin Rule 12b-2 of the Exchange Act.\n\n \n\nLarge\naccelerated filer ☐\nAccelerated\nfiler ☐\nNon-accelerated\nfiler ☒\nEmerging\ngrowth company ☒\n\n \n\nIf\nan emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant\nhas elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant\nto Section 13(a) of the Exchange Act. ☐\n\n \n\n†\nThe\nterm “new or revised financial accounting standard” refers to any update issued by the Financial Accounting Standards\nBoard to its Accounting Standards Codification after April 5, 2012.\n\n \n\nIndicate\nby check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness\nof its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered\npublic accounting firm that prepared or issued its audit report. ☐\n\n \n\nIf\nsecurities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant\nincluded in the filing reflect the correction of an error to previously issued financial statements. ☐\n\n \n\n**Indicate\nby check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation\nreceived by any of the registrant’s executive officers during the relevant recovery period pursuant to 240.10D-1(b)** ☐\n\n \n\nIndicate\nby check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:\n\n \n\n☒\nU.S. GAAP\n \nInternational\nFinancial Reporting Standards as issued by the International ☐\n \nOther\n☐\n\n \n \nAccounting\nStandards Board ☐\n \n \n\n \n\nIf\n“Other” has been checked in response to the previous question, indicate by check mark which financial statement item the\nregistrant has elected to follow. Item 17 ☐ Item 18 ☐\n\n \n\nIf\nthis is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange\nAct). Yes ☐ No ☒\n\n \n\n \n\n \n\n \n\n \n\n \n\n**REDCLOUD\nHOLDINGS PLC**\n\n \n\n**FORM\n20-F ANNUAL REPORT**\n\n \n\n**TABLE\nOF CONTENTS**\n\n \n\n \n \n**Page** \n\n[PART I](#VK_001)"}