tegwick
143eef2f0d
All checks were successful
Work Records / validate (push) Successful in 13s
Live custody path tenants/binky/qonto-api (API_KEY/API_USER). First read-only thirdparty pull (122 txs): desk 297.50 €/mo, Qonto plan 70.80 €/mo, main balance 2185.94 €. Evidence under finance/; workplan status finished.
75 lines
5 KiB
Markdown
75 lines
5 KiB
Markdown
# Cost & Run-Rate Table
|
||
|
||
> Status: v2 — 2026-07-21 (BINKY-WP-0005-T05 first Qonto pull). Feeds the
|
||
> cash/runway view (Finance Steward loop). Currency EUR unless noted.
|
||
> Evidence: `finance/qonto-first-pull-2026-07-21.json` (metadata only).
|
||
|
||
## Recurring costs
|
||
|
||
| # | Item | Provider | Monthly (gross) | Paid from | Confidence / source |
|
||
|---|------|----------|----------------:|-----------|---------------------|
|
||
| 1 | Fixed desk, HUB31 Darmstadt | Technologie- u. Gründerzentrum Verwaltungs-GmbH | **297,50** | Qonto | Verified 2026-07-21 Qonto pull: label `HUB31`, `office_rental`, **33× 297,50 €** monthly since ≥2023-06; contract renewed to **2027-04-01** |
|
||
| 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) | **irregular / annual** | Qonto | Recent lumps (not monthly): FSW 2025-05 1 230,58 + 327,73; 2025-10 FSW/Weglarzy 1 138 + 261,80. Mandate transition open (RISK-006) |
|
||
| 4 | Qonto account | Qonto | **70,80** | Qonto | Verified 2026-07-21: `operation_type=qonto_fee`, **70,80 €/mo since 2025-10** (was 35,40 mid-2025; 22,80 earlier). OH-2026-003: plan *change* still separate Red-lane decision |
|
||
| 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 | Credits ~8,55 €/mo observed on main account; no fixed fee |
|
||
| 9 | railiance01 VM (4 vCPU / 16 GB RAM) | **TBC** (hosting provider) | 25,19 | **TBC** | Founder-stated 2026-07-16: 24-month commitment (≈604,56 € total). Not seen on Qonto Hauptkonto in sample — may be private card |
|
||
|
||
## Known recurring income
|
||
|
||
| Item | Counterparty | Amount | Notes |
|
||
|------|--------------|-------:|-------|
|
||
| Meeting-room sublet share | Binect | 450 € per event (25% × 2 days × 900 €) | Founder note 2026-03-02; **2026-06-02 credit 571,20 €** from Binect GmbH observed on Qonto (likely related; confirm vs open receivable) |
|
||
| Stripe subscription | own/self | ~8,55 € credits observed | Pipeline alive; net after Stripe fees |
|
||
|
||
## Snapshot (2026-07-21 first pull)
|
||
|
||
| Account | Status | Balance (EUR) |
|
||
|---------|--------|--------------:|
|
||
| Hauptkonto (main) | active | **2 185,94** |
|
||
| Kickstart Business | active | 0,00 |
|
||
|
||
Org: Binky Hedgehog GmbH (`binky-hedgehog-gmbh-6923`). Transactions fetched: 122 (full history on main account via API pagination).
|
||
|
||
## Findings
|
||
|
||
1. **Private/company bleed (⚠️ rows 5–6, possibly 9):** bubble.io and AI
|
||
subscriptions (and maybe railiance01) are company-purpose costs on private
|
||
payment — cash-flow invisible to the company. Action: move to Qonto card or
|
||
Auslagenerstattung → OH-2026-001 / StB advice.
|
||
2. **Liquidity is thin but not empty:** main balance **2 185,94 €** (2026-07-21).
|
||
Desk + Qonto alone ≈ **368 €/mo** fixed company-account outflows before StB
|
||
lumps and DATEV. Still treat new recurring spend as Yellow.
|
||
3. **Open receivable / Binect:** a **571,20 €** Binect credit landed 2026-06-02 —
|
||
reconcile against the 450 €/event sublet note and any outstanding invoices.
|
||
4. **Desk + Qonto plan resolved** from the first pull (was the main TBC pair).
|
||
5. **railiance01 commitment (2026-07-16):** 24-month term remains; not confirmed
|
||
on Qonto Hauptkonto in this pull — payment source still TBC.
|
||
6. **Qonto plan cost stepped up:** 22,80 → 35,40 → **70,80 €/mo**. OH-2026-003
|
||
cost-vs-usage review still useful; plan *change* is a separate Red-lane step.
|
||
|
||
## Feeding adaptive-pricing (cost floor)
|
||
|
||
This table is the source for the `allocated_fixed_cost` input of
|
||
adaptive-pricing's boundary engine (cost-floor price boundary,
|
||
`adaptive_pricing_core/boundary_engine.py`). adaptive-pricing does not
|
||
capture costs itself — when its Coulomb pricing project needs a cost floor,
|
||
derive it from the run-rate here (railiance01 hosting is a direct
|
||
infrastructure component of that floor).
|
||
|
||
## Estimated run-rate (company Qonto, verified floor)
|
||
|
||
Fixed on Qonto Hauptkonto: desk **297,50** + Qonto plan **70,80** + DATEV
|
||
~**40** ≈ **~408 €/mo**, plus irregular StB lumps and usage Stripe fees.
|
||
Add private-card company costs (bubble ~30 €, AI TBC, maybe railiance01 25)
|
||
for a full economic picture — those do not hit the company balance today.
|
||
|
||
## 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). Credential lane:
|
||
`tenants/binky/qonto-api` via ops-warden `binky-qonto-api` (CCR-2026-0008).
|