Understanding Tax When Selling Your Life's Work: A Guide for Business Owners

Written by Daniel | Jan 16, 2025 10:35:35 AM

The Main Tax Considerations

Capital Gains Tax (CGT) 

Comes into play when you sell your business. Think of it as the government's share of the value you've built over the years. For the 2024/25 tax year, you'll typically pay:

  • 18% if you're a basic rate taxpayer
  • 24% if you're in the higher or additional rate bands

Business Asset Disposal Relief - A Recognition of Your Journey

Here's some welcome news: Business Asset Disposal Relief (previously called Entrepreneurs' Relief) acknowledges the years you've invested in building your business. If you qualify, you'll pay a reduced rate of just 10% on gains up to £1 million.

To be eligible, you'll need to have:

  • Been at the helm for at least two years
  • Worked as a sole trader, partner, or held at least 5% of shares and voting rights
  • Run an active trading company (rather than an investment business)

Other Important Considerations

If you've structured your business as a limited company, remember that Corporation Tax applies to profits up to the sale date. There may be special considerations for VAT-registered businesses if you're selling as a "going concern" - often meaning the business will continue trading under new ownership.

If your sale includes property or shares, Stamp Duty will need to be factored into the calculations.

Looking Ahead

We understand this is about more than just numbers - it's about transitioning the business you've poured your heart into. While tax regulations may change in the future, particularly around Business Asset Disposal Relief and CGT rates, we can help you navigate these changes with confidence.

Your Next Steps

While this guide gives you the basics, every business sale is unique. We strongly recommend working with a qualified tax advisor or accountant specialising in business sales. They can help ensure you're making informed decisions that honour both your business's legacy and your financial future.

Would you like to explore how to ensure your business's legacy continues while optimising your tax position? We're here to help guide you through this important transition.

Note: This guide was prepared for the 2024/25 tax year. For the most current advice specific to your situation, please consult with a qualified tax professional.