Civic Intelligence

0 Bk Class Inc

990EZ • Fiscal year 2022 • EIN 27-2284939

Jan 01, 2022 to Dec 31, 2022 • Filed on Oct 25, 2023

Organization Profilewww.myonlinebankruptcyclass.com
2711 E Melrose StGilbert, AZ 85297

(480) 639-4746

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

58th percentile

0.00x

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

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

58th percentile

0.00x

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

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

32nd percentile

-4.4%

Higher net margin than 32% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

96th percentile

$74,929

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 81.6% of source-year revenue.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

42nd percentile

-2.2%

Faster asset growth than 42% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

18th percentile

-31%

Faster revenue growth than 18% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$184,361

Down $4,079 (-2.2%) from 2021

Net Assets

Down

$184,361

Down $4,079 (-2.2%) from 2021

Liabilities

Flat

$0

Flat from 2021

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin32nd percentile

Revenue

Down

$91,861

Down $41,950 (-31%) from 2021

Expenses

Down

$95,940

Down $109,438 (-53%) from 2021

Net Income

Up

-$4,079

Up $67,488 (+94%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

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

$200K$150K$100K$50K$0-$50KAssets 2011: $2,870Liabilities 2011: $10,811Net Assets 2011: -$7,9412011Assets 2021: $188,440Liabilities 2021: $0Net Assets 2021: $188,4402021Assets 2022: $184,361Liabilities 2022: $0Net Assets 2022: $184,3612022Assets 2023: $139,482Liabilities 2023: $0Net Assets 2023: $139,4822023Assets 2024: $135,558Liabilities 2024: $0Net Assets 2024: $135,5582024

Highlighted filing

2022

Assets$184,361
Liabilities$0
Net Assets$184,361
Open 2022 Filing

Operations Trend

Revenue Growth18th percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $47,673Expenses 2011: $55,715Net Income 2011: -$8,0422011Revenue 2021: $133,811Expenses 2021: $205,378Net Income 2021: -$71,5672021Revenue 2022: $91,861Expenses 2022: $95,940Net Income 2022: -$4,0792022Expenses 2023: $44,8792023Revenue 2024: $150,335Expenses 2024: $154,259Net Income 2024: -$3,9242024

Highlighted filing

2022

Revenue$91,861
Expenses$95,940
Net Income-$4,079
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Oct 25, 2023
Return Version
2022v5.0
Gross Receipts
$91,861
Mission and Program Overview

Mission

To provide financial literacy through education counseling, at low or no cost to the public.

Financial counseling thru education

Program Services

DescriptionGrantsExpenses
PROVIDING FINANCIAL COUNSELING THRU PROPERBUDGETING SKILLS FOR CURRENT AND FUTURE BUDGETS-$95,944
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
LAURA KERBYPresidentFT$74,929-$74,929
JUSTIN TURLEYDirector-$0--
KERI MCWORTERDirector-$0--
ERIK GAGONDirector-$0--
Filing and Contact Details

Filer

Filer Name
0 Bk Class Inc
EIN
27-2284939
Address
2711 E MELROSE ST, GILBERT, AZ 85297

Signing Officer

Name
Laura Kerby
Title
President
Phone
4806394746
Signed
2023-10-25
Discuss with paid preparer
No

Preparer

Firm
Scott Allen Ea
Address
3155 E SOUTHERN AVE SUITE 101, MESA, AZ 85204
Preparer
Scott Allen Ea
Phone
4809269300
Supplemental Narrative

Additional Explanations

Description of other expenses Part I line 16

“Description AmountPAYROLL TAXES 52,850ADVERTISING 1,148OFFICE EXPENSES 2,804INFO TECHNOLOGY 4,889CONFERENCES AND MEETINGS 399INSURANCE 1,712CREDIT CARD PROCESSING 158BANK FEES 4,124CAR AND TRUCK 278MEALS 79TELECOMMUNICATIONS 5,863”

Description of other assets Part II line 24

“Category Beginning of Year End of YearNOTE RECEIVABLE-RELATED PART 2,198 2,198PREPAID RENT 705 705N AMERICAN INSURANCE 53,457 53,457PRECIOUS METALS 113,343 113,342OTHER DEPRECIABLE ASSETS 12,767 11,863”

Raw XML Appendix159 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0LAURA KERBY
IRS990EZ/BooksInCareOfDetail/PhoneNum04806394746
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt02711 E MELROSE ST
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0GILBERT
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AZ
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd085297
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt05970
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt02796
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-4079
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt04392
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0188440
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0184361
IRS990EZ/GrossReceiptsAmt091861
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0188440
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0184361
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0188440
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0184361
IRS990EZ/OccupancyRentUtltsAndMaintAmt09000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt074929
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0LAURA KERBY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1JUSTIN TURLEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2KERI MCWORTER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3ERIK GAGON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0182470
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0181565
IRS990EZ/OtherExpensesTotalAmt074304
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0FINANCIAL COUNSELING THRU EDUCATION
IRS990EZ/PrintingPublicationsPostageAmt0144
IRS990EZ/ProgramServiceRevenueAmt091861
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROVIDING FINANCIAL COUNSELING THRU PROPERBUDGETING SKILLS FOR CURRENT AND FUTURE BUDGETS
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt095944
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt08100
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt095940
IRS990EZ/TotalProgramServiceExpensesAmt095944
IRS990EZ/TotalRevenueAmt091861
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.myonlinebankruptcyclass.com
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt030700
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt030700
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt02839
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt07917
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt03646
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt014402
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt091861
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0100272
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0137700
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0189140
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0191017
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0709990
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt02839
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt07917
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt03646
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt014402
IRS990ScheduleA/InvestmentIncomeCYPct00.02000
IRS990ScheduleA/InvestmentIncomePYPct00.02000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.98090
IRS990ScheduleA/PublicSupportPY509Pct00.97940
IRS990ScheduleA/PublicSupportTotal509Amt0740690
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt091861
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0130972
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0137700
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0189140
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0191017
IRS990ScheduleA/Total509Grp/TotalAmt0740690
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt091861
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0133811
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0145617
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0189140
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0194663
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0755092
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description AmountPAYROLL TAXES 52,850ADVERTISING 1,148OFFICE EXPENSES 2,804INFO TECHNOLOGY 4,889CONFERENCES AND MEETINGS 399INSURANCE 1,712CREDIT CARD PROCESSING 158BANK FEES 4,124CAR AND TRUCK 278MEALS 79TELECOMMUNICATIONS 5,863
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Category Beginning of Year End of YearNOTE RECEIVABLE-RELATED PART 2,198 2,198PREPAID RENT 705 705N AMERICAN INSURANCE 53,457 53,457PRECIOUS METALS 113,343 113,342OTHER DEPRECIABLE ASSETS 12,767 11,863
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of other assets Part II line 24
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd000
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0LAURA KERBY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04806394746
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-10-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt00 BK CLASS INC
ReturnHeader/Filer/BusinessNameControlTxt00BKC
ReturnHeader/Filer/EIN0272284939
ReturnHeader/Filer/USAddress/AddressLine1Txt02711 E MELROSE ST
ReturnHeader/Filer/USAddress/CityNm0GILBERT
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AZ
ReturnHeader/Filer/USAddress/ZIPCd085297
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0300368472
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SCOTT ALLEN EA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03155 E SOUTHERN AVE SUITE 101
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MESA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd085204
ReturnHeader/PreparerPersonGrp/PhoneNum04809269300
ReturnHeader/PreparerPersonGrp/PreparationDt02023-11-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SCOTT ALLEN EA
ReturnHeader/ReturnTs02023-11-09T11:09:03-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0LAURA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0KERBY
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$184,361
Liabilities
$0
Net assets
$184,361
Revenue
$91,861
Expenses
$95,940
Net income
-$4,079
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.36$0.00$1.36$1.50$1.54$0.04
2023Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39$0.45
2022Detailed filing. Detailed filing data is available for this year.$1.84$0.00$1.84$0.92$0.96$0.04
2021Detailed filing. Detailed filing data is available for this year.$1.88$0.00$1.88$1.34$2.05$0.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.03$0.11$0.08$0.48$0.56$0.08