FREE MUST-READ GUIDE for every UK business owner operating as a sole trader or partnership, and thinking about incorporating…

Confidently Decide Whether Your Business Should Operate as a Sole Trader or Limited Company to Protect Your Future and Keep More of What You Earn…

…Without Fear of Overpaying HMRC or Incorporating Too Early.

Download Your FREE “Sole Trader vs Limited Company Decision Guide” Now, To Discover:

Smiling business owner sitting in a modern café, speaking on the phone with a laptop open in front of him, looking confident and relaxed — representing the freedom and clarity that comes from understanding your business finances.

  • When going limited becomes tax-efficient - and when staying sole trader may be the smarter option

  • Clear, simple explanations of how director’s salary, dividends, National Insurance, and Corporation Tax really work (in plain English)

  • The hidden costs and responsibilities that come with incorporating - no unwelcome surprises later

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Hi, I'm Steph Rickaby...

Stephanie Rickably FCCA Headshot

Steph Rickaby FCCA

I’m a Chartered Certified Accountant, the founder of Sunflower Accounts Ltd, and the creator of this guide for UK business owners like you who want to quit overpaying HMRC and keep more of the money they earn - without doing anything risky.

Clients come to Sunflower because they want an accounting partner who supports them to grow a profitable, sustainable and successful business - and together, we turn their numbers into a clear roadmap for time, mind, and money freedom.

And for you, that journey begins right here...

I’ve distilled over 30 years of real-world experience into straightforward guidance you can actually use - no jargon.

The right structure should protect your profit, support your growth, and give you confidence that your business is built on solid foundations - and taxed efficiently.

Should Your Business Operate as a Sole Trader or Limited Company?

What is the Optimal Structure to Protect Your Future and Keep More of What You Earn?

Download Your FREE Guide to Find Out Now...

Testimonials

What our clients say...

★★★★★

Aleks Certa

“Steph and her team are hands down the best Accountants out there! Recently, Steph helped me forecast my finances to reach my goal of buying my dream house. We are so nearly there now!"

★★★★★

Dom Gasson

"The sign of a good Accountant is one who regularly saves you money. Great planning call with Steph today. Choosing Sunflower was the investment we have made in our business!"

★★★★★

Phil Merritt

"If your business was a car being driven at night, then Steph is the headlights! She guides your way, keeping you on the safest, smoothest and fastest route to success!"

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Sunflower Accounts Ltd is a Company Registered In England and Wales.

Company Number 7894750.

VAT Number: 233 5425 27

“Building better lives: for you, our team and ourselves."