Civic Intelligence

National Debt Management Inc

EIN 20-5092854 • 501(c)3 • Southfield, MI

Profile

Providing financial literacy and education to immigrants.

17520 West 12 Mile Rd Suite 105Southfield, MI 48076

www.nationaldebtmgt.com

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.83x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

83rd percentile

0.11x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

38th percentile

-4.0%

Higher net margin than 38% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

92nd percentile

$39,000

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 7.9% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

43rd percentile

-7.4%

Faster asset growth than 43% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

21st percentile

-44%

Faster revenue growth than 21% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$64,783

Down $5,173 (-7.4%) from 2023

Liabilities

Up

$53,728

Up $14,338 (+36%) from 2023

Net Assets

Down

$11,055

Down $19,511 (-64%) from 2023

Operations
Liabilities / Revenue83rd percentileNet Margin38th percentile

Revenue

Down

$492,855

Down $384,068 (-44%) from 2023

Expenses

Down

$512,366

Down $338,979 (-40%) from 2023

Net Income

Down

-$19,511

Down $45,089 (-176%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth43rd percentile

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

$80K$60K$40K$20K$0-$20KAssets 2010: $5,072Liabilities 2010: $8,494Net Assets 2010: -$3,4222010Assets 2011: $8,352Liabilities 2011: $9,965Net Assets 2011: -$1,6132011Assets 2012: $6,978Liabilities 2012: $9,447Net Assets 2012: -$2,4692012Assets 2013: $19,949Liabilities 2013: $14,048Net Assets 2013: $5,9012013Assets 2014: $13,086Liabilities 2014: $2,742Net Assets 2014: $10,3442014Assets 2015: $6,275Liabilities 2015: $0Net Assets 2015: $6,2752015Assets 2016: $7,217Liabilities 2016: $0Net Assets 2016: $7,2172016Assets 2017: $12,741Liabilities 2017: $5,741Net Assets 2017: $7,0002017Assets 2018: $26,687Liabilities 2018: $14,615Net Assets 2018: $12,0722018Assets 2020: $52,851Liabilities 2020: $35,604Net Assets 2020: $17,2472020Assets 2021: $65,495Liabilities 2021: $44,841Net Assets 2021: $20,6542021Assets 2022: $46,646Liabilities 2022: $41,658Net Assets 2022: $4,9882022Assets 2023: $69,956Liabilities 2023: $39,390Net Assets 2023: $30,5662023Assets 2024: $64,783Liabilities 2024: $53,728Net Assets 2024: $11,0552024

Highlighted filing

2024

Assets$64,783
Liabilities$53,728
Net Assets$11,055
Open 2024 Filing

Operations Trend

Revenue Growth21st percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2010: $46,955Expenses 2010: $50,669Net Income 2010: -$3,7142010Revenue 2011: $49,337Expenses 2011: $47,528Net Income 2011: $1,8092011Revenue 2012: $63,128Expenses 2012: $62,555Net Income 2012: $5732012Revenue 2013: $64,834Expenses 2013: $58,933Net Income 2013: $5,9012013Revenue 2014: $55,116Expenses 2014: $50,673Net Income 2014: $4,4432014Revenue 2015: $68,167Expenses 2015: $61,795Net Income 2015: $6,3722015Revenue 2016: $39,165Expenses 2016: $38,223Net Income 2016: $9422016Revenue 2017: $88,666Expenses 2017: $88,883Net Income 2017: -$2172017Revenue 2018: $297,817Expenses 2018: $290,210Net Income 2018: $7,6072018Revenue 2020: $1,073,207Expenses 2020: $1,067,072Net Income 2020: $6,1352020Revenue 2021: $932,102Expenses 2021: $928,695Net Income 2021: $3,4072021Revenue 2022: $801,410Expenses 2022: $817,076Net Income 2022: -$15,6662022Revenue 2023: $876,923Expenses 2023: $851,345Net Income 2023: $25,5782023Revenue 2024: $492,855Expenses 2024: $512,366Net Income 2024: -$19,5112024

Highlighted filing

2024

Revenue$492,855
Expenses$512,366
Net Income-$19,511
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$64,783
Liabilities
$53,728
Net assets
$11,055
Revenue
$492,855
Expenses
$512,366
Net income
-$19,511
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.06$0.05$0.01$0.49$0.51$0.02
2023Detailed filing. Detailed filing data is available for this year.$0.07$0.04$0.03$0.88$0.85$0.03
2022Detailed filing. Detailed filing data is available for this year.$0.05$0.04$0.00$0.80$0.82$0.02
2021Detailed filing. Detailed filing data is available for this year.$0.07$0.04$0.02$0.93$0.93$0.00
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.05$0.04$0.02$1.07$1.07$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.03$0.01$0.01$0.30$0.29$0.01
2017Detailed filing. Detailed filing data is available for this year.$0.01$0.01$0.01$0.09$0.09$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$0.04$0.04$0.00
2015Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$0.07$0.06$0.01
2014Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$0.06$0.05$0.00
2013Detailed filing. Detailed filing data is available for this year.$0.02$0.01$0.01$0.06$0.06$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.01$0.01$0.00$0.06$0.06$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.01$0.01$0.00$0.05$0.05$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.01$0.01$0.00$0.05$0.05$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 23, 2025
Return Version
2024v5.0
Gross Receipts
$492,855
Mission and Program Overview

Mission

FINANCIAL EDUCATION

Providing financial literacy and education to immigrants.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$57,452$52,516▼ $4,936
Rtn Earn Endowment Incm Other Fnds$30,566$11,055▼ $19,511
Land, Buildings, and Equipment, Net$8,926$7,101▼ $1,825
Prepaid Expenses and Deferred Charges$3,578$5,166▲ $1,588
Total Assets$69,956$64,783▼ $5,173
Liabilities
Other Liabilities$39,390$48,414▲ $9,024
Accounts Payable and Accrued Expenses-$5,314-
Total Liabilities$39,390$53,728▲ $14,338
Net Assets / Fund Balance
Total Net Assets Fund Balance$30,566$11,055▼ $19,511
Total Liabilities and Net Assets / Fund Balance$69,956$64,783▼ $5,173

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$7,101$16,149$23,250
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sam GeorgesPresidentPT$39,000$39,000

Board Members and Trustees

NameTitle
Cynthia VillaumeDirector
Madison TenagliaDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$62,100
Program Service Revenue
$430,755
Investment Income
$0
Other Revenue
$0
All Other Contributions
$62,100
Change in Net Assets
$-19,511

Audited Revenue Reconciliation

Revenue per Audited Statements
$492,855
Total Revenue per Audited Statements
$492,855
Total Revenue per Form 990
$492,855
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$283,399
Salaries, Compensation, and Employee Benefits$228,967
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$86,533$86,533-$173,066
Advertising$89,338--$89,338
Insurance$33,243$15,526-$48,769
Current Officers, Directors, Trustees, and Key Employees$19,500$19,500-$39,000
Fees for Services Other$12,270$5,730-$18,000
Payroll Taxes$8,450$8,451-$16,901
All Other Expenses$10,663$3,008-$13,671
Office Expenses$8,875$986-$9,861
Other Expenses$5,999$2,802-$8,801
Occupancy$5,412--$5,412
Travel$2,618$1,223-$3,841
Fees for Services Accounting$2,100$900-$3,000
Depreciation Depletion-$1,825-$1,825
Interest$1,167$545-$1,712
Total Functional Expenses$351,315$161,051$0$512,366

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$512,366
Total Expenses per Audited Statements$512,366
Total Expenses per Form 990$512,366
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Receivables Due Trust$48,414
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Members have governing authority.”

Form 990, Page 6, Part VI, Line 7A

“Board has authority to elect members.”

Form 990, Page 6, Part VI, Line 7B

“Governing body makes decisions.”

Form 990, Page 6, Part VI, Line 11B

“Board establishes review policies.”

Form 990, Page 6, Part VI, Line 12C

“Board establishes conflict of interest policies.”

Form 990, Page 6, Part VI, Line 15A

“Board establishes and approves executive compensation.”

Form 990, Page 6, Part VI, Line 15B

“Board establishes other if any compensation.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
National Debt Management Inc
EIN
20-5092854
Phone
2482002106
Address
17520 WEST 12 MILE RD SUITE 105, SOUTHFIELD, MI 48076

Signing Officer

Name
Cynthia Villaume
Title
Director
Phone
2482002106
Signed
2025-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sam Georges
Formed
2006
Legal Domicile
Mi
Voting Board Members
3
Independent Board Members
2
Employees
4

Preparer

Firm
Deluca Accountancy Corp
Address
23001 E LA PALMA AVE STE 220A, YORBA LINDA, CA 92887-4770
Preparer
Michael F Deluca CPA
Phone
7146928206
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Providing financial literacy and education to immigrants.”

Raw XML Appendix374 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.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDING FINANCIAL LITERACY AND EDUCATION TO IMMIGRANTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS HAVE GOVERNING AUTHORITY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD HAS AUTHORITY TO ELECT MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING BODY MAKES DECISIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD ESTABLISHES REVIEW POLICIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD ESTABLISHES CONFLICT OF INTEREST POLICIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD ESTABLISHES AND APPROVES EXECUTIVE COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7BOARD ESTABLISHES OTHER IF ANY COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalEmployeeCnt04
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0512366
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IRS990/TotalLiabilitiesGrp/EOYAmt053728
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt030566
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IRS990/TotalReportableCompFromOrgAmt039000
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt069956
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt064783
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IRS990/TravelGrp/TotalAmt03841
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0SOUTHFIELD
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048076
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IRS990/WebsiteAddressTxt0WWW.NATIONALDEBTMGT.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CYNTHIA VILLAUME
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum02482002106
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NATIONAL DEBT MANAGEMENT INC
ReturnHeader/Filer/BusinessNameControlTxt0NATI
ReturnHeader/Filer/EIN0205092854
ReturnHeader/Filer/PhoneNum02482002106
ReturnHeader/Filer/USAddress/AddressLine1Txt017520 WEST 12 MILE RD SUITE 105
ReturnHeader/Filer/USAddress/CityNm0SOUTHFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0043589960
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DELUCA ACCOUNTANCY CORP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt023001 E LA PALMA AVE STE 220A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0YORBA LINDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0928874770
ReturnHeader/PreparerPersonGrp/PhoneNum07146928206
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL F DELUCA CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-23T15:28:49-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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