docs(readme): add CRM + accounting to features, tax disclaimer, update contributor

- New "For Studios — CRM & Accounting (Beta)" subsection under Key Features
  (quotes→contracts→invoices+Storno, hours/calendar, inbound supplier invoices +
  expenses, tax report + Treuhänder/Banana export, VAT) and updated the Roadmap
  beta-table row to "CRM & Accounting Module".
- Broadened the disclaimers section to CRM & Accounting and added a Tax/VAT
  bullet: figures are guidance only + jurisdiction-specific (e.g. the LI 20%
  Gewinnungskosten flat rate), and every operator must verify their own tax/VAT
  regulations with their accountant/Treuhänder/tax authority before relying on
  any figure or export.
- Updated the @Luca-Timo contributor entry with a concise CRM + accounting credit.

README.md

@@ -68,6 +68,14 @@ Unlike expensive SaaS solutions, PicPeak gives you:
 - 🛡️ **Security First** - JWT auth, rate limiting, CORS protection
 - 📈 **Scalable** - From small studios to large agencies
 
+### For Studios — CRM & Accounting (Beta · off by default)
+- 📝 **Quotes → Contracts → Invoices** - One deal lineage; cancel-and-reissue (Storno) keeps issued invoices immutable
+- ⏱️ **Hours Logging & Calendar** - Per-customer time tracking; admin calendar of events, logged hours, and pending quotes/contracts
+- 🧾 **Inbound Supplier Invoices & Expenses** - Capture received invoices (upload/camera, rasterised server-side), categorise, and re-bill costs to clients
+- 📊 **Tax Report & Accountant Export** - Period-scoped income/cost report with VAT breakdown; PDF/CSV plus a Treuhänder/Banana (Swiss/LI) journal export, scopable to income-only or cost-only
+- 🌍 **VAT & Multi-currency** - Single VAT-code registry snapshotted onto each document; data-driven per-country rates
+- ⚠️ **Verify locally** - Feature-flagged off by default. Seeded contracts, QR/IBAN and tax defaults are **examples only** — review your own legal **and tax** regulations first (see disclaimers below)
+
 ## 🚀 Quick Start
 
 Get PicPeak running in under 5 minutes:
@@ -401,7 +409,7 @@ These features are currently in beta testing and may have limited functionality
 
 | Feature | Description | Status |
 |---------|-------------|--------|
-| **CRM Module** | Quotes, contracts, invoices, hours logging, calendar, and tax report — feature-flagged off by default. Seeded contract blocks, payment terms, and IBAN / tax defaults are **examples only** and need legal / financial review before customer-facing use. See [docs.picpeak.app/features/crm](https://docs.picpeak.app/features/crm). | 🧪 Beta |
+| **CRM & Accounting Module** | Quotes, contracts, invoices (+ Storno), hours logging, calendar, and tax report — plus inbound supplier-invoice capture, internal expenses, and a Treuhänder/Banana (Swiss/LI) accountant-journal export. Feature-flagged off by default. Seeded contract blocks, payment terms, IBAN / QR-bill and tax defaults are **examples only** and need legal / financial / **tax** review before customer-facing use. See [docs.picpeak.app/features/crm](https://docs.picpeak.app/features/crm). | 🧪 Beta |
 | **Simple Deployment Script** | One-click deployment script for quick server setup with automated configuration and dependency installation | 🧪 Beta |
 
 ### 📋 Future Enhancements
@@ -440,7 +448,7 @@ PicPeak is inspired by the best features of commercial platforms while remaining
 
 A huge thank you to the people whose code, reports, and feedback have shaped PicPeak:
 
-- [**@Luca-Timo**](https://github.com/Luca-Timo) — native Apple Silicon multi-arch images, external-URL toggle for legal CMS pages, the lazy-loaded folder tree picker, the admin-email picker on event creation, the data-driven self-hosted webfont system, the gallery header/banner decoupling, and several typed-API refactors. Consistently raises the bar with thoughtful PRs.
+- [**@Luca-Timo**](https://github.com/Luca-Timo) — native Apple Silicon multi-arch images, external-URL toggle for legal CMS pages, the lazy-loaded folder tree picker, the admin-email picker on event creation, the data-driven self-hosted webfont system, the gallery header/banner decoupling, several typed-API refactors, and the CRM + accounting suite (quotes/contracts/invoices, hours logging, calendar, tax report, inbound supplier-invoice capture, expenses, and the Treuhänder/Banana export). Consistently raises the bar with thoughtful PRs.
 - [**@Rekoo-PS**](https://github.com/Rekoo-PS) — sharp-eyed bug reporter and product feedback. Filed the issues that drove the login-loop fix, the gallery-loading skeleton work, the redirection cleanup, the mobile-lightbox overhaul, the admin-events search-counter fix, the photo-count column, and the bulk-delete workflow. Also a [BuyMeACoffee](https://buymeacoffee.com/theluap) supporter — the kind of feedback loop that keeps the project useful for real deployments.
 
 If you've contributed and aren't listed here, please open a PR — this list is meant to grow.
@@ -455,10 +463,11 @@ This project was generated with the assistance of AI technology, but has been:
 
 We believe in transparent development practices and the responsible use of AI as a tool to accelerate development while maintaining high standards of quality and security.
 
-## ⚠️ CRM disclaimers — examples only
+## ⚠️ CRM & Accounting disclaimers — examples only, verify locally
 
-The CRM module (contracts, invoices, QR-bills) ships seeded content
+The CRM & accounting modules (contracts, invoices, QR-bills, the tax
-that is intended as a **starting point only**:
+report and the accountant exports) ship seeded content and computed
+figures that are intended as a **starting point only**:
 
 - **Contract blocks** (image rights, NDA, model release, cancellation,
   jurisdiction, …) are written by the maintainer, **not by a lawyer**.
@@ -468,9 +477,19 @@ that is intended as a **starting point only**:
   typed. Picpeak is open source — please scan a test invoice with your
   bank's app to check the QR actually works. We are not responsible for
   any mistakes that come from sending an invoice with bad data on it.
+- **Tax, VAT & accounting figures** (the tax report, VAT-payable, the
+  per-rate breakdown, the Treuhänder / Banana export, etc.) are computed
+  from the data you enter and the defaults you configure. They are
+  **guidance only and jurisdiction-specific** — tax rules, VAT rates,
+  deduction schemes (e.g. the Liechtenstein 20 % Gewinnungskosten flat
+  rate) and filing duties differ by country and change over time. **Every
+  operator must check their own tax / VAT regulations and verify the
+  numbers with their accountant / Treuhänder / tax authority before
+  relying on any figure or export.** Picpeak makes no warranty that the
+  output is correct for your jurisdiction or situation.
 
 Read [`docs/crm-disclaimers.md`](docs/crm-disclaimers.md) before
-enabling the Contracts or Invoices features.
+enabling the Contracts, Invoices or Accounting features.
 
 ## 📄 License