diff --git a/AutopilotWorkQueue.md b/AutopilotWorkQueue.md index f389f35..2d81b2b 100644 --- a/AutopilotWorkQueue.md +++ b/AutopilotWorkQueue.md @@ -21,14 +21,6 @@ pulls_from: [CompanyReactivationPlan.md digital presence] notes: "Decision on primary domain is Yellow — prepare package only" ``` -```yaml -id: AWQ-004 -title: "Consolidated cost & subscription table (desk, Qonto, DATEV, Stripe, infra) with monthly run-rate" -lane: green -pulls_from: [audits/OK-Audit-v0-binky.md banking findings] -notes: "Feeds cash/runway view (Finance Steward loop)" -``` - ```yaml id: AWQ-005 title: "One-page company website draft using the transition wording" @@ -63,6 +55,11 @@ with a one-line outcome. ## Completed +- **AWQ-004** (2026-07-16, BINKY-WP-0003-T03): cost & run-rate table v1 at + `finance/CostRunRate.md`. New findings: private-card company costs + (bubble.io $32/mo + AI subs), open 450 € Binect receivable, desk contract + runs to 2027-04; desk rent + Qonto plan amounts await the Qonto pull + (OH-2026-003). - **AWQ-001** (2026-07-16, BINKY-WP-0003-T02): audit template v1 at `templates/OK-Audit-Template-v1.md` — customer-ready, company-agnostic; flagship-offer dependency cleared. Note: `audit-core` repo is event diff --git a/audits/OK-Audit-v0-binky.md b/audits/OK-Audit-v0-binky.md index dd8eaeb..1deb5fc 100644 --- a/audits/OK-Audit-v0-binky.md +++ b/audits/OK-Audit-v0-binky.md @@ -38,8 +38,13 @@ ### Banking & finance - Business account: **Qonto** — active, perceived as expensive for current usage. Cost review worthwhile; account changes are Red lane. -- Cost base: co-working desk in Darmstadt (Binect; meeting-room billing - evidence 2026-03), StB fees, Qonto fees, base corporate costs. +- Cost base: fixed desk at **HUB31** (Technologie- und Gründerzentrum + Darmstadt, Hilpertstr. 31 — also the company's registered business + address; contract since 2019, renewed to 2027-04-01), StB fees, Qonto + fees, base corporate costs. The Binect relationship is *income*: Binky + bills Binect a meeting-room share (450 € note 2026-03, invoice possibly + still unissued). Some company-purpose costs (bubble.io, AI subscriptions) + run over the founder's private card — see `finance/CostRunRate.md`. - Revenue history: occasional consulting earlier; **last two years only self-commissioned development** — GmbH invoiced Bernd privately, roughly covering costs. Tax treatment of this pattern should be sanity-checked with @@ -52,7 +57,9 @@ - **Correction 2026-07-16 (founder review):** a dedicated company email account exists — `bernd.worsch@binky-hedgehog.com` — implying the domain `binky-hedgehog.com` is owned. Founder correspondence (e.g. the StB - inquiry) currently still runs over private gmail. + inquiry) currently still runs over private gmail — though FSW already + invoices to the company address (RE 2026/651), so inbound official mail + partly arrives there today, strengthening the case for AWQ-007. - Company email/credentials are not yet in the Net Kingdom / OpenBao stack — integration queued (AWQ-007) to hook agents into real-world events. - Paper mail arrives physically; founder will provide scans ~weekly — intake diff --git a/finance/CostRunRate.md b/finance/CostRunRate.md new file mode 100644 index 0000000..bd69d3c --- /dev/null +++ b/finance/CostRunRate.md @@ -0,0 +1,55 @@ +# Cost & Run-Rate Table + +> Status: v1 — 2026-07-16 (BINKY-WP-0003-T03, AWQ-004). Feeds the cash/runway +> view (Finance Steward loop). Confidence per row; amounts marked **TBC** +> need Qonto statements (OH-2026-003) or founder confirmation. Currency EUR +> unless noted. + +## Recurring costs + +| # | Item | Provider | Monthly (gross) | Paid from | Confidence / source | +|---|------|----------|----------------:|-----------|---------------------| +| 1 | Fixed desk, HUB31 Darmstadt | Technologie- u. Gründerzentrum Verwaltungs-GmbH | **TBC** | Qonto | Contract since 2019-04-01, renewed to **2027-04-01** (signed annex 2026-03-23); rent amount not in the annex — pull from Qonto | +| 2 | DATEV / IT pass-through | FSW (old StB) | ~40,31 (483,69/yr) | Qonto | Documented: invoice 2026/651 for Jan–Dec 2025. Continues only while DUO runs via FSW (RISK-007) | +| 3 | StB fees (JA, filings) | FSW → Bohle-Horsmann (pending) | **TBC** (annual, not monthly) | Qonto | Mandate transition open (RISK-006); budget once new mandate quotes | +| 4 | Qonto account | Qonto | **TBC** (founder: "expensive for usage") | Qonto | Plan review queued OH-2026-003; changes Red lane | +| 5 | bubble.io Starter Web Plan (app "coulomb") | Bubble Group Inc. | $32 | **founder private card** ⚠️ | Documented: invoice 2026-03-9049150, billed to private gmail/card | +| 6 | AI subscriptions | various | **TBC** | **founder private** ⚠️ | Founder note 2026-03-24: paid privately, not itemized yet | +| 7 | Domain(s): binky-hedgehog.com (+ inventory pending) | **TBC** | **TBC** (~1–3/mo typical) | **TBC** | AWQ-003 domain inventory will enumerate registrar + payer | +| 8 | Stripe | Stripe | usage-based fees only | n/a | No fixed fee; per-transaction. One live subscription flows in | +| 9 | Infra (Railiance node(s), hosting) | **TBC** | **TBC** | **TBC** | Workstation is private; whether railiance01 hosting is company-paid needs founder confirmation | + +## Known recurring income + +| Item | Counterparty | Amount | Notes | +|------|--------------|-------:|-------| +| Meeting-room sublet share | Binect | 450 € per event (25% × 2 days × 900 €) | Founder note 2026-03-02; invoice still to be issued ("endlich abrechnen") — **open receivable** | +| Stripe subscription | own/self | ~monthly sub price TBC | Proves pipeline since ~2025 | + +## Findings + +1. **Private/company bleed (⚠️ rows 5–6):** bubble.io and AI subscriptions + are company-purpose costs on private payment — cash-flow invisible to the + company and messy for the JA. Action: move to Qonto card or set up proper + Auslagenerstattung — needs StB advice → added to OH-2026-001 agenda. +2. **Liquidity is thin:** founder note 2026-03-24 records a month where DUO + pass-through + desk rent were not covered by the Qonto balance. Until a + runway view exists, treat every new recurring cost as a Yellow decision. +3. **Open receivable:** the 450 € Binect meeting-room billing was still + unissued as of March — verify status, else invoice (founder/Orange). +4. **Biggest unknowns** are the desk rent and Qonto plan — both fall out of + one Qonto statement pull (OH-2026-003, already queued). + +## Estimated run-rate (floor) + +Documented + typical minimums only: DATEV ~40 + bubble ~30 + domains ~2 +≈ **~75 €/mo**, **plus** desk rent (likely the dominant cost, low hundreds) +**plus** Qonto plan **plus** annual StB fees. A defensible total needs the +Qonto pull; target: replace this paragraph with a verified figure after the +next command day. + +## Maintenance + +Update on: any new subscription, mandate quote, Qonto statement pull, or JA. +Owner: Finance Steward loop (rhythm session may update rows; adding new +recurring spend is never below Yellow lane). diff --git a/workplans/BINKY-WP-0003-autopilot-and-rhythm.md b/workplans/BINKY-WP-0003-autopilot-and-rhythm.md index 7bc1537..c50c75f 100644 --- a/workplans/BINKY-WP-0003-autopilot-and-rhythm.md +++ b/workplans/BINKY-WP-0003-autopilot-and-rhythm.md @@ -46,7 +46,7 @@ accessible, founder confirmation for gaps. Green lane. ```task id: BINKY-WP-0003-T03 -status: todo +status: done priority: medium ```