Civic Intelligence

Saugus Business Education Collaborative Inc Co Shuman & Epstein LLC

EIN 04-3145152 • 501(c)3 • Saugus, MA

Profile

Assist the saugus teachers, students, and principals fund costs that have not been budgeted by the town's school committee.

38 Main StreetSaugus, MA 01906

n/A

Siviq Scores

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

Liabilities / Assets

60th percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

62nd percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

9th percentile

-101%

Higher net margin than 9% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

44th percentile

-6.5%

Faster asset growth than 44% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

29th percentile

-27%

Faster revenue growth than 29% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$95,135

Down $6,563 (-6.5%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Down

$95,135

Down $6,563 (-6.5%) from 2024

Operations
Liabilities / Revenue62nd percentileNet Margin9th percentile

Revenue

Down

$3,062

Down $1,140 (-27%) from 2024

Expenses

Down

$6,160

Down $2,230 (-27%) from 2024

Net Income

Up

-$3,098

Up $1,090 (+26%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$150K$100K$50K$0Assets 2010: $121,911Net Assets 2010: $121,9112010Assets 2016: $133,798Liabilities 2016: $02016Assets 2020: $124,088Liabilities 2020: $0Net Assets 2020: $124,0882020Assets 2021: $122,898Liabilities 2021: $368Net Assets 2021: $122,5302021Assets 2022: $113,992Liabilities 2022: $70Net Assets 2022: $113,9222022Assets 2023: $105,886Liabilities 2023: $0Net Assets 2023: $105,8862023Assets 2024: $101,698Liabilities 2024: $0Net Assets 2024: $101,6982024Assets 2025: $95,135Liabilities 2025: $0Net Assets 2025: $95,1352025

Highlighted filing

2025

Assets$95,135
Liabilities$0
Net Assets$95,135
Open 2025 Filing

Operations Trend

Revenue Growth29th percentile

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

$40K$20K$0-$20KRevenue 2010: $29,417Expenses 2010: $37,770Net Income 2010: -$8,3532010Revenue 2016: $26,266Expenses 2016: $29,232Net Income 2016: -$2,9662016Revenue 2020: $2,918Expenses 2020: $1,243Net Income 2020: $1,6752020Revenue 2021: $230Expenses 2021: $1,788Net Income 2021: -$1,5582021Revenue 2022: $185Expenses 2022: $8,793Net Income 2022: -$8,6082022Revenue 2023: $299Expenses 2023: $8,037Net Income 2023: -$7,7382023Revenue 2024: $4,202Expenses 2024: $8,390Net Income 2024: -$4,1882024Revenue 2025: $3,062Expenses 2025: $6,160Net Income 2025: -$3,0982025

Highlighted filing

2025

Revenue$3,062
Expenses$6,160
Net Income-$3,098
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$95,135
Liabilities
$0
Net assets
$95,135
Revenue
$3,062
Expenses
$6,160
Net income
-$3,098
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.95$0.00$0.95$0.03$0.06$0.03
2024Detailed filing. Detailed filing data is available for this year.$1.02$0.00$1.02$0.04$0.08$0.04
2023Detailed filing. Detailed filing data is available for this year.$1.06$0.00$1.06$0.00$0.08$0.08
2022Detailed filing. Detailed filing data is available for this year.$1.14$0.00$1.14$0.00$0.09$0.09
2021Detailed filing. Detailed filing data is available for this year.$1.23$0.00$1.23$0.00$0.02$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.24$0.00$1.24$0.03$0.01$0.02
2016Summary only. Only limited summary data is available for this year.$1.34$0.00$0.26$0.29$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.22$1.22$0.29$0.38$0.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Oct 23, 2025
Return Version
2024v5.2
Gross Receipts
$6,357
Mission and Program Overview

Mission

Assist the saugus teachers, students and principals fund costs that have not been budgeted by the town's school committee.

Assist student-teacher special projects

Program Services

DescriptionGrantsExpenses
FACULTY AND STUDENT EDUCATION COSTS SUPPLEMENT-$0
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
PETER ROSSETTI JRPresident-$0--
CORINNE RILEYSecretary-$0--
ANTHONY SPEZIALETreasurer-$0--
NELSON CHANGVice President-$0--
JOHN VASIPOLLIDirector-$0--
DEBRA PANETTADirector-$0--
RICHARD MAGNANDirector-$0--
VINCENT SERINODirector-$0--
MICHAEL HASHAMDirector-$0--
CARLA SCUZZARELLADirector-$0--
Filing and Contact Details

Filer

Filer Name
Saugus Business Education Collabora
EIN
04-3145152
In Care Of
% ANTHONY SPEZIALE
Phone
7812331855
Address
38 MAIN STREET, Saugus, MA 01906

Signing Officer

Name
Anthony Speziale
Title
Treasurer
Phone
7812332003
Signed
2025-10-23
Discuss with paid preparer
No

Preparer

Firm
Tax Shop & Financial Center
Address
38 MAIN STREET, Saugus, MA 01906
Preparer
Anthony Speziale
Phone
7812332003
Supplemental Narrative

Additional Explanations

List of grants and similar amounts paid Part I line 10

“Activity SAUGUS STUDENTS AWARDS NIGHT Grantee VARIOUS Street 20 PEARCE DRIVE City, State, Zip Saugus, MA 01906Amount 579”

Description of other expenses Part I line 16

“Description AmountERRORS & OMISSIONS INSURANCE 1,196TEACHERS ORIENTATION 1,000SHADOW DAY 3,250MISC 135”

Other changes in net assets or fund balances Part I line 20

“Description AmountADJUSTMENT (3,465)”

General explanation attachment

“Faculty and student expenses not budgeted by the town”

Raw XML Appendix198 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/BooksInCareOfDetail/PersonNm0ANTHONY SPEZIALE
IRS990EZ/BooksInCareOfDetail/PhoneNum07812331855
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Saugus
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd001906
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0101698
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IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0350
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-3098
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0101698
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IRS990EZ/FundraisingGrossIncomeAmt04825
IRS990EZ/GrantsAndSimilarAmountsPaidAmt0579
IRS990EZ/GrossReceiptsAmt06357
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt01182
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0101698
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IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0101698
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt095135
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt02.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt81.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt91.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0PETER ROSSETTI JR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1CORINNE RILEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2ANTHONY SPEZIALE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3NELSON CHANG
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4JOHN VASIPOLLI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5DEBRA PANETTA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6RICHARD MAGNAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7VINCENT SERINO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8MICHAEL HASHAM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9CARLA SCUZZARELLA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherChangesInNetAssetsAmt0-3465
IRS990EZ/OtherExpensesTotalAmt05581
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0ASSIST STUDENT-TEACHER SPECIAL PROJECTS
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0FACULTY AND STUDENT EDUCATION COSTS SUPPLEMENT
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt03295
IRS990EZ/SpecialEventsNetIncomeLossAmt01530
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MA
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt06160
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt03062
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0350
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0350
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt01182
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt01522
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0299
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0185
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0230
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt03418
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt01182
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt01522
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0299
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0185
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0230
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt03418
IRS990ScheduleA/InvestmentIncomeCYPct00.91000
IRS990ScheduleA/InvestmentIncomePYPct01.00000
IRS990ScheduleA/PrivateFoundation509Ind0X
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.09290
IRS990ScheduleA/PublicSupportPY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt0350
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0350
IRS990ScheduleA/Total509Grp/TotalAmt0350
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt01532
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01522
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0299
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0185
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0230
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt03768
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Activity SAUGUS STUDENTS AWARDS NIGHT Grantee VARIOUS Street 20 PEARCE DRIVE City, State, Zip Saugus, MA 01906Amount 579
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description AmountERRORS & OMISSIONS INSURANCE 1,196TEACHERS ORIENTATION 1,000SHADOW DAY 3,250MISC 135
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Description AmountADJUSTMENT (3,465)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FACULTY AND STUDENT EXPENSES NOT BUDGETED BY THE TOWN
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0List of grants and similar amounts paid Part I line 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other changes in net assets or fund balances Part I line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3General explanation attachment
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0ANTHONY SPEZIALE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07812332003
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SAUGUS BUSINESS EDUCATION COLLABORA
ReturnHeader/Filer/BusinessNameControlTxt0SAUG
ReturnHeader/Filer/EIN0043145152
ReturnHeader/Filer/InCareOfNm0% ANTHONY SPEZIALE
ReturnHeader/Filer/PhoneNum07812331855
ReturnHeader/Filer/USAddress/AddressLine1Txt038 MAIN STREET
ReturnHeader/Filer/USAddress/CityNm0Saugus
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001906
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0813407680
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt038 MAIN STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Saugus
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001906
ReturnHeader/PreparerPersonGrp/PhoneNum07812332003
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANTHONY SPEZIALE
ReturnHeader/ReturnTs02025-10-24T18:13:02-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)3 • <$500k nonprofits