Civic Intelligence

Garden State Consumer Credit Counseling Inc.

990T • Fiscal year 2024 • EIN 22-3120920

Jan 01, 2024 to Dec 31, 2024 • Filed on Jul 22, 2025

200 US Highway 9Manalapan, NJ 07726

(732) 409-6281

Siviq Scores

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Balance Sheet

Assets

-

No earlier filing loaded for comparison.

Net Assets

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No earlier filing loaded for comparison.

Liabilities

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No earlier filing loaded for comparison.

Revenue And Expenses

Revenue

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No earlier filing loaded for comparison.

Expenses

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No earlier filing loaded for comparison.

Net Income

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No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$20M$15M$10M$5.0M$0Assets 2010: $9,350,156Liabilities 2010: $6,263,623Net Assets 2010: $3,086,5332010Assets 2011: $9,959,251Liabilities 2011: $6,257,885Net Assets 2011: $3,701,3662011Assets 2012: $10,778,336Liabilities 2012: $6,496,579Net Assets 2012: $4,281,7572012Assets 2013: $10,296,610Liabilities 2013: $5,930,197Net Assets 2013: $4,366,4132013Assets 2014: $16,305,367Liabilities 2014: $12,049,662Net Assets 2014: $4,255,7052014Assets 2015: $15,306,215Liabilities 2015: $10,881,553Net Assets 2015: $4,424,6622015Assets 2016: $14,204,435Liabilities 2016: $11,486,279Net Assets 2016: $2,718,1562016Assets 2017: $12,446,669Liabilities 2017: $9,632,958Net Assets 2017: $2,813,7112017Assets 2018: $13,090,330Liabilities 2018: $10,967,673Net Assets 2018: $2,122,6572018Assets 2019: $12,363,672Liabilities 2019: $10,149,395Net Assets 2019: $2,214,2772019Assets 2020: $13,466,680Liabilities 2020: $10,931,083Net Assets 2020: $2,535,5972020Assets 2021: $15,368,790Liabilities 2021: $10,686,452Net Assets 2021: $4,682,3382021Assets 2022: $14,481,637Liabilities 2022: $9,305,933Net Assets 2022: $5,175,7042022Assets 2023: $13,783,103Liabilities 2023: $8,441,888Net Assets 2023: $5,341,2152023Assets 2024: $11,862,130Liabilities 2024: $9,708,494Net Assets 2024: $2,153,6362024

Latest loaded filing

2024

Assets$11,862,130
Liabilities$9,708,494
Net Assets$2,153,636

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0-$10MExpenses 2010: $21,095,6402010Expenses 2011: $22,740,6872011Expenses 2012: $23,823,5852012Revenue 2013: $22,409,816Expenses 2013: $22,172,130Net Income 2013: $237,6862013Revenue 2014: $19,757,641Expenses 2014: $20,234,411Net Income 2014: -$476,7702014Revenue 2015: $17,073,896Expenses 2015: $16,751,072Net Income 2015: $322,8242015Revenue 2016: $13,484,088Expenses 2016: $15,011,957Net Income 2016: -$1,527,8692016Revenue 2017: $13,395,765Expenses 2017: $14,481,741Net Income 2017: -$1,085,9762017Revenue 2018: $11,719,327Expenses 2018: $12,359,822Net Income 2018: -$640,4952018Revenue 2019: $11,580,321Expenses 2019: $11,390,349Net Income 2019: $189,9722019Revenue 2020: $11,953,099Expenses 2020: $11,529,409Net Income 2020: $423,6902020Revenue 2021: $14,807,314Expenses 2021: $12,553,950Net Income 2021: $2,253,3642021Revenue 2022: $14,075,218Expenses 2022: $13,538,958Net Income 2022: $536,2602022Revenue 2023: $15,059,714Expenses 2023: $14,875,769Net Income 2023: $183,9452023Revenue 2024: $16,792,460Expenses 2024: $16,447,724Net Income 2024: $344,7362024

Latest loaded filing

2024

Revenue$16,792,460
Expenses$16,447,724
Net Income$344,736
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 22, 2025
Return Version
2024v5.2
Mission and Program Overview

Mission

The primary focus of Garden State Consumer Credit Counseling, Inc. ("Navicore Solutions"), a non-profit organization, is to strengthen the well-being of individuals and families through education, guidance, advocacy, and support. Our most significant activities include housing counseling, credit counseling, bankruptcy counseling, financial education, and other outreach programs. Finally, for those individuals who qualify, the company provides a debt management program.

Filing and Contact Details

Filer

Filer Name
Garden State Consumer Credit
EIN
22-3120920
Phone
7324096281
Address
200 US HIGHWAY 9, MANALAPAN, NJ 07726

Signing Officer

Name
Todd Suler
Title
CFO
Signed
2025-07-22
Discuss with paid preparer
Yes

Preparer

Firm
Topel & Silver
Address
29 Plaza 9, Manalapan, NJ 07726
Preparer
Clifford M Topel CPA
Phone
7327801200
Raw XML Appendix63 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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IRS990T/BooksInCareOfDetail/PersonNm0TODD SULER
IRS990T/BooksInCareOfDetail/PhoneNum07324096281
IRS990T/BooksInCareOfDetail/USAddress/AddressLine1Txt0200 US HIGHWAY 9
IRS990T/BooksInCareOfDetail/USAddress/CityNm0MANALAPAN
IRS990T/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
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IRS990T/BookValueAssetsEOYAmt011862130
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ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0COUNSELING INC
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt029 Plaza 9
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Manalapan
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ReturnHeader/ReturnTs02025-07-22T13:37:33-07:00
ReturnHeader/ReturnTypeCd0990T
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$11.9$9.71$2.15$16.8$16.4$0.34
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.
2023Detailed filing. Detailed filing data is available for this year.$13.8$8.44$5.34$15.1$14.9$0.18
2022Detailed filing. Detailed filing data is available for this year.$14.5$9.31$5.18$14.1$13.5$0.54
2021Detailed filing. Detailed filing data is available for this year.$15.4$10.7$4.68$14.8$12.6$2.25
2020Detailed filing. Detailed filing data is available for this year.$13.5$10.9$2.54$12.0$11.5$0.42
2019Detailed filing. Detailed filing data is available for this year.$12.4$10.1$2.21$11.6$11.4$0.19
2018Detailed filing. Detailed filing data is available for this year.$13.1$11.0$2.12$11.7$12.4$0.64
2017Detailed filing. Detailed filing data is available for this year.$12.4$9.63$2.81$13.4$14.5$1.09
2016Detailed filing. Detailed filing data is available for this year.$14.2$11.5$2.72$13.5$15.0$1.53
2015Summary only. Only limited summary data is available for this year.$15.3$10.9$4.42$17.1$16.8$0.32
2014Detailed filing. Detailed filing data is available for this year.$16.3$12.0$4.26$19.8$20.2$0.48
2013Detailed filing. Detailed filing data is available for this year.$10.3$5.93$4.37$22.4$22.2$0.24
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$6.50$4.28$23.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.96$6.26$3.70$22.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.35$6.26$3.09$21.1