<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core pages -->
  <url>
    <loc>https://businessaf.co.uk/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://businessaf.co.uk/book</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Service pages -->
  <url>
    <loc>https://businessaf.co.uk/services/self-assessment-tax</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://businessaf.co.uk/services/vat-bookkeeping</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://businessaf.co.uk/services/payroll</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Industry pages -->
  <url>
    <loc>https://businessaf.co.uk/landlords</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://businessaf.co.uk/taxi-drivers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://businessaf.co.uk/cis-subcontractors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://businessaf.co.uk/hospitality</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Insights -->
  <url>
    <loc>https://businessaf.co.uk/insights</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!--
    Category pages: only included once a category has 2+ published articles.
    Categories with 0 or 1 articles are noindexed in <head> (CategoryHead.jsx)
    and intentionally excluded here to avoid thin-content pages in Google's index.
    Add the relevant <url> back below when a category crosses the threshold.

    Current state (as of last edit):
      - Self Assessment: 2 articles → indexed (listed below)
      - VAT: 1 article  → noindex, excluded
      - Landlords / CIS / Taxi & PHV / Hospitality / Payroll: 0 articles → noindex, excluded
  -->
  <url>
    <loc>https://businessaf.co.uk/insights/category/self-assessment</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Articles -->
  <url>
    <loc>https://businessaf.co.uk/insights/vat-thresholds-2026-when-and-how-to-register</loc>
    <lastmod>2026-05-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://businessaf.co.uk/insights/sole-trader-vs-limited-company-the-actual-maths</loc>
    <lastmod>2026-05-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://businessaf.co.uk/insights/5-expenses-small-business-owners-forget-to-claim</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

</urlset>
