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>
This commit is contained in:
parent
d2f68f0f53
commit
306a8cd232
4 changed files with 71 additions and 12 deletions
|
|
@ -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
|
||||
|
|
|
|||
|
|
@ -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
|
||||
|
|
|
|||
55
finance/CostRunRate.md
Normal file
55
finance/CostRunRate.md
Normal file
|
|
@ -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).
|
||||
|
|
@ -46,7 +46,7 @@ accessible, founder confirmation for gaps. Green lane.
|
|||
|
||||
```task
|
||||
id: BINKY-WP-0003-T03
|
||||
status: todo
|
||||
status: done
|
||||
priority: medium
|
||||
```
|
||||
|
||||
|
|
|
|||
Loading…
Add table
Add a link
Reference in a new issue