tegwick
143eef2f0d
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.
5 KiB
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
- 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.
- 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.
- Open receivable / Binect: a 571,20 € Binect credit landed 2026-06-02 — reconcile against the 450 €/event sublet note and any outstanding invoices.
- Desk + Qonto plan resolved from the first pull (was the main TBC pair).
- railiance01 commitment (2026-07-16): 24-month term remains; not confirmed on Qonto Hauptkonto in this pull — payment source still TBC.
- 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).