BINKY-WP-0003-T03: cost & run-rate table v1 (AWQ-004)

Evidence from 2binky archive: FSW DATEV pass-through 483,69 EUR/yr, HUB31
desk contract renewed to 2027-04, private-card company costs (bubble.io,
AI subs), open 450 EUR Binect receivable. Audit corrected: desk landlord
is HUB31; Binect is income side.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

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