Civic Intelligence

Bedford Chamber of Commerce Inc

EIN 04-3133640 • 501(c)6 • Bedford, MA

Revoked

Profile

To advance the economic, industrial, professional, cultural and civic welfare of the Town of Bedford

Revocation date: May 15, 2022

12 Mudge WayBedford, MA 01730

www.bedfordchamber.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

89th percentile

31%

Higher net margin than 89% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

86th percentile

$33,300

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 36.9% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

92nd percentile

51%

Faster asset growth than 92% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

28th percentile

-17%

Faster revenue growth than 28% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$81,232

Up $27,586 (+51%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Up

$81,232

Up $27,586 (+51%) from 2024

Operations
Liabilities / Revenue51st percentileNet Margin89th percentile

Revenue

Down

$90,265

Down $18,723 (-17%) from 2024

Expenses

Down

$62,678

Down $21,745 (-26%) from 2024

Net Income

Up

$27,587

Up $3,022 (+12%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100K$50K$0-$50KAssets 2010: $12,927Liabilities 2010: $14,710Net Assets 2010: -$1,7832010Assets 2011: $14,482Liabilities 2011: $13,955Net Assets 2011: $5272011Assets 2012: $17,242Liabilities 2012: $10,150Net Assets 2012: $7,0922012Assets 2013: $22,410Liabilities 2013: $12,150Net Assets 2013: $10,2602013Assets 2014: $15,598Liabilities 2014: $2,165Net Assets 2014: $13,4332014Assets 2015: $21,956Liabilities 2015: $13,650Net Assets 2015: $8,3062015Assets 2016: $12,500Liabilities 2016: $9,050Net Assets 2016: $3,4502016Assets 2017: $13,370Liabilities 2017: $9,613Net Assets 2017: $3,7572017Assets 2018: $23,208Liabilities 2018: $16,729Net Assets 2018: $6,4792018Assets 2020: $1,843Liabilities 2020: $02020Assets 2021: $2,479Liabilities 2021: $02021Assets 2022: $29,365Liabilities 2022: $0Net Assets 2022: $29,3652022Assets 2023: $29,365Liabilities 2023: $284Net Assets 2023: $29,0812023Assets 2024: $53,646Liabilities 2024: $0Net Assets 2024: $53,6462024Assets 2025: $81,232Liabilities 2025: $0Net Assets 2025: $81,2322025

Highlighted filing

2025

Assets$81,232
Liabilities$0
Net Assets$81,232
Open 2025 Filing

Operations Trend

Revenue Growth28th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150K$100K$50K$0-$50KRevenue 2010: $45,878Expenses 2010: $44,199Net Income 2010: $1,6792010Revenue 2011: $54,147Expenses 2011: $51,837Net Income 2011: $2,3102011Revenue 2012: $54,118Expenses 2012: $47,553Net Income 2012: $6,5652012Revenue 2013: $52,935Expenses 2013: $49,767Net Income 2013: $3,1682013Revenue 2014: $50,434Expenses 2014: $47,261Net Income 2014: $3,1732014Revenue 2015: $50,230Expenses 2015: $55,357Net Income 2015: -$5,1272015Revenue 2016: $48,342Expenses 2016: $53,198Net Income 2016: -$4,8562016Revenue 2017: $52,554Expenses 2017: $52,247Net Income 2017: $3072017Revenue 2018: $57,989Expenses 2018: $55,267Net Income 2018: $2,7222018Revenue 2020: $29,573Expenses 2020: $38,162Net Income 2020: -$8,5892020Revenue 2021: $40,239Expenses 2021: $39,603Net Income 2021: $6362021Revenue 2022: $74,790Expenses 2022: $47,904Net Income 2022: $26,8862022Revenue 2023: $59,264Expenses 2023: $59,548Net Income 2023: -$2842023Revenue 2024: $108,988Expenses 2024: $84,423Net Income 2024: $24,5652024Revenue 2025: $90,265Expenses 2025: $62,678Net Income 2025: $27,5872025

Highlighted filing

2025

Revenue$90,265
Expenses$62,678
Net Income$27,587
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$81,232
Liabilities
$0
Net assets
$81,232
Revenue
$90,265
Expenses
$62,678
Net income
$27,587
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.81$0.00$0.81$0.90$0.63$0.28
2024Detailed filing. Detailed filing data is available for this year.$0.54$0.00$0.54$1.09$0.84$0.25
2023Detailed filing. Detailed filing data is available for this year.$0.29$0.00$0.29$0.59$0.60$0.00
2022Detailed filing. Detailed filing data is available for this year.$0.29$0.00$0.29$0.75$0.48$0.27
2021Summary only. Only limited summary data is available for this year.$0.02$0.00$0.40$0.40$0.01
2020Summary only. Only limited summary data is available for this year.$0.02$0.00$0.30$0.38$0.09
2018Detailed filing. Detailed filing data is available for this year.$0.23$0.17$0.06$0.58$0.55$0.03
2017Detailed filing. Detailed filing data is available for this year.$0.13$0.10$0.04$0.53$0.52$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.13$0.09$0.03$0.48$0.53$0.05
2015Detailed filing. Detailed filing data is available for this year.$0.22$0.14$0.08$0.50$0.55$0.05
2014Detailed filing. Detailed filing data is available for this year.$0.16$0.02$0.13$0.50$0.47$0.03
2013Detailed filing. Detailed filing data is available for this year.$0.22$0.12$0.10$0.53$0.50$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.17$0.10$0.07$0.54$0.48$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.14$0.14$0.01$0.54$0.52$0.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.13$0.15$0.02$0.46$0.44$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 26, 2026
Return Version
2025v4.0
Gross Receipts
$90,265
Mission and Program Overview

Mission

To advance the economic, industrial, professional, cultural and civic welfare of the Town of Bedford

Program Services

DescriptionGrantsExpenses
To promote the welfare of all area citizens, following always those policies intended to accomplish the greatest good for the greatest number.--
Knowledge of the town and its business. It works to improve the community with emphasis on the education and to promote its members' business interests.--
To support all those activities believed to be beneficial to the community and area and to oppose those which might be detrimental.--
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Chet HardingPresidentPT$33,300-$33,300
Adam SchwartzDirector-$0--
EricSalernoPT$0--
Maria PortoVice PresidentPT$0--
Pamela BrownDirector-$0--
Robert LookDirector-$0--
Rob MinerPresident (Former)-$0--
Filing and Contact Details

Filer

Filer Name
Bedford Chamber of Commerce Inc
EIN
04-3133640
Phone
6172908162
Address
12 Mudge Way, Bedford, MA 01730

Signing Officer

Name
Chet Harding
Title
President
Phone
6172908162
Signed
2026-03-26
Discuss with paid preparer
Yes

Preparer

Firm
Accounting for Creativity
Address
70 Otis St, Somerville, MA 02145
Preparer
Stacey Simon
Phone
6173357300
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“Advertising/Promotional $1,825 Business expenses $1,285 Golf course rental $1,920.75 Bank fees $2,041.49 Supplies $568.75 Travel $86.50 Sponsorship $300”

Form 990-EZ, Part I, Line 20

“rounding”

Form 990-EZ, Part II, Line 24

“Other assets consist primarily of prepaid expenses, deposits, and organizational costs carried forward in accordance with the organization's accounting records.”

Raw XML Appendix161 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990EZ/BenefitsPaidToOrForMembersAmt00
IRS990EZ/BooksInCareOfDetail/PersonNm0Chet Harding
IRS990EZ/BooksInCareOfDetail/PhoneNum06176104900
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt012 Mudge Way
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Bedford
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd001730
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt015582
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt043168
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt015890
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt027587
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt02356
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
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IRS990EZ/GamingGrossIncomeAmt0192
IRS990EZ/GrantsAndSimilarAmountsPaidAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt090265
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt061934
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt053646
IRS990EZ/NetAssetsOrFundBalancesEOYAmt081232
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt053646
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt081232
IRS990EZ/OccupancyRentUtltsAndMaintAmt01298
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt03
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt15
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt25
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt33
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt43
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt625
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt633300
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Adam Schwartz
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Eric
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Maria Porto
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Pamela Brown
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Robert Look
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Rob Miner
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Chet Harding
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Salerno
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5President (Former)
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6President
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt038064
IRS990EZ/OtherAssetsTotalDetail/EOYAmt038064
IRS990EZ/OtherChangesInNetAssetsAmt0-1
IRS990EZ/OtherExpensesTotalAmt08027
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0To advance the economic, industrial, professional, cultural and civic welfare of the Town of Bedford
IRS990EZ/PrintingPublicationsPostageAmt0264
IRS990EZ/ProgramServiceRevenueAmt012249
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0To promote the welfare of all area citizens, following always those policies intended to accomplish the greatest good for the greatest number.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Knowledge of the town and its business. It works to improve the community with emphasis on the education and to promote its members' business interests.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2To support all those activities believed to be beneficial to the community and area and to oppose those which might be detrimental.
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt050733
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt0192
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MA
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt062678
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt090265
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.BedfordChamber.org
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Advertising/Promotional $1,825 Business expenses $1,285 Golf course rental $1,920.75 Bank fees $2,041.49 Supplies $568.75 Travel $86.50 Sponsorship $300
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1rounding
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Other assets consist primarily of prepaid expenses, deposits, and organizational costs carried forward in accordance with the organization's accounting records.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part II, Line 24
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Chet Harding
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06172908162
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BEDFORD CHAMBER OF COMMERCE INC
ReturnHeader/Filer/BusinessNameControlTxt0BEDF
ReturnHeader/Filer/EIN0043133640
ReturnHeader/Filer/PhoneNum06172908162
ReturnHeader/Filer/USAddress/AddressLine1Txt012 Mudge Way
ReturnHeader/Filer/USAddress/CityNm0Bedford
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001730
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0811273267
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Accounting for Creativity
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt070 Otis St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Somerville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002145
ReturnHeader/PreparerPersonGrp/PhoneNum06173357300
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Stacey Simon
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-03-26T11:41:13-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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