Apex Accountancy Limited

Tanong ni Juan #7
"Hi Accountant, Sole Trader ba o Company — alin ang mas bagay sa akin?"

Isa ito sa mga madalas na tanong ng mga gustong magsimula ng negosyo. Maraming nag-aakala na mas “professional” agad kapag company, pero hindi laging iyon ang tamang choice. Depende ito sa laki ng negosyo, risk, income, at long-term plans mo.

Ano ang Sole Trader?

Ang sole trader ay negosyo na ikaw mismo ang owner at ikaw rin ang legal na responsable sa lahat ng kita, gastos, at obligasyon ng business.

Mga advantages:
✔ Mas madaling magsimula
✔ Mas kaunting paperwork at compliance requirements
✔ Mas mababa ang setup at maintenance cost
✔ Mas simple ang tax filing

Mga disadvantages:
✘ Ikaw personally ang responsable sa utang ng negosyo
✘ Walang separation sa personal at business assets
✘ Pwedeng mas mahirap kumuha ng investors o business partners

Halimbawa: Si Juan ay nagsimula ng cleaning business at siya lang ang nagma-manage ng clients. Sa ganitong sitwasyon, maaaring sole trader muna ang mas bagay dahil simple pa ang operations ng negosyo at mas kaunti ang compliance requirements.

Ano naman ang Company?

Ang company ay hiwalay na legal entity sa owner. Ibig sabihin, ang negosyo mismo ang may sariling legal identity.

Mga advantages:
✔ Mas protektado ang personal assets sa karamihan ng sitwasyon
✔ Mas professional ang dating para sa clients at investors
✔ Mas madaling magdagdag ng shareholders o business partners
✔ Pwedeng mas flexible sa long-term business planning

Mga disadvantages:
✘ Mas maraming compliance requirements
✘ May annual filing requirements
✘ Mas mataas ang accounting at administrative costs
✘ Kailangan ng mas maayos na record keeping

Halimbawa: Si Juan ay may construction business na may staff at malalaking projects. Sa ganitong sitwasyon, maaaring mas bagay ang company structure dahil may mas mataas na business risk at mas mahalagang ma-separate ang personal at business matters.

Walang one-size-fits-all na sagot. Ang tamang business structure ay depende sa iyong sitwasyon at goals.

Hindi ka ba sigurado kung alin ang mas bagay sa iyong negosyo? Message us para matulungan ka.

Cristina
Phone: 022 076 7577
Email: [email protected]

Roja
Phone: 022 131 0205
Email: [email protected]

Jasmine
Phone: 022 038 5033
Email: [email protected]

GOOD NEWS FOR NEW AND EXPECTING PARENTS IN NEW ZEALAND!

The government has announced an increase to New Zealand's Paid Parental Leave (PPL) rates, effective 1 July 2026, providing extra financial support for families welcoming a new child.

● The maximum weekly paid parental leave payment will increase from $788.66 to $811.05 per week.

● The minimum weekly payment for self-employed parents will increase from $235.00 to $239.50 per week.

According to Minister Brooke van Velden, these annual adjustments help ensure parental leave payments continue to keep pace with changes in average weekly earnings and provide meaningful support for families during an important stage of their lives.

Remember:
✔️ Eligible parents may receive Paid Parental Leave for up to 26 weeks.
✔️ Payments are administered by Inland Revenue (IRD).
✔️ The new rates apply from 1 July 2026.

Whether you're welcoming your first child or growing your family, this increase is welcome news and may help ease some of the financial pressure while taking time away from work to care for your newborn.

Have questions about parental leave payments, tax obligations, or other employment-related matters? Feel free to message us.

Cristina
Phone: 022 076 7577
Email: [email protected]

Roja
Phone: 022 131 0205
Email: [email protected]

Faye
Phone: 022 561 7368
Email: [email protected]