Civic Intelligence

0 Bk Class Inc

990EZ • Fiscal year 2024 • EIN 27-2284939

Jan 01, 2024 to Dec 31, 2024 • Filed on Oct 21, 2025

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

56th percentile

0.00x

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

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

Liabilities / Revenue

57th percentile

0.00x

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

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

Net Margin

36th percentile

-2.6%

Higher net margin than 36% of similar nonprofits.

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

Top Officer Pay

96th percentile

$78,052

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 51.9% of source-year revenue.

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

Asset Growth

42nd percentile

-2.8%

Faster asset growth than 42% of similar nonprofits.

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

Revenue Growth

74th percentile

28%

Faster revenue growth than 74% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets56th percentile

Assets

Down

$135,558

Down $3,924 (-2.8%) from 2023

Net Assets

Down

$135,558

Down $3,924 (-2.8%) from 2023

Liabilities

Flat

$0

Flat from 2023

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin36th percentile

Revenue

$150,335

No earlier filing loaded for comparison.

Expenses

Up

$154,259

Up $109,380 (+244%) from 2023

Net Income

-$3,924

No earlier filing loaded for comparison.

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

2024

Assets$135,558
Liabilities$0
Net Assets$135,558
Open 2024 Filing

Operations Trend

Revenue Growth74th 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

2024

Revenue$150,335
Expenses$154,259
Net Income-$3,924
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 21, 2025
Return Version
2024v5.2
Gross Receipts
$150,335
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-$0
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
LAURA KERBYPresidentFT$78,052-$78,052
JUSTIN TURLEYDirector-$0--
KERI MCWORTERDirector-$0--
ERIK GAGONDirector-$0--
Filing and Contact Details

Filer

Filer Name
0 Bk Class Inc
EIN
27-2284939
In Care Of
% LAURA KERBY
Phone
4806394746
Address
2711 E MELROSE ST, GILBERT, AZ 85297

Signing Officer

Name
Laura Kerby
Title
President
Phone
4806394746
Signed
2025-10-21
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 AmountDepreciation from 4562 3,004ADVERTISING 660OFFICE EXPENSES 101WAGES 129,681INSURANCE 9,612POSTAGE AND DELIVERY 142BANK FEES 555CAR AND TRUCK 3,343MEALS 172TELECOMMUNICATIONS 2,369CONTRACTORS 682OFFICE SOFTWARE 3,489SUPPLIES 100SUBSCRIPTIONS 349”

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 65,306 65,306OTHER DEPRECIABLE ASSETS 15,020 2,768”

Raw XML Appendix157 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/BOYAmt02796
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt011124
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-3924
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0139482
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0135558
IRS990EZ/GrossReceiptsAmt0150335
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0139482
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0135558
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0139482
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0135558
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt078052
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/BOYAmt0136686
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0124434
IRS990EZ/OtherExpensesTotalAmt0154259
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0FINANCIAL COUNSELING THRU EDUCATION
IRS990EZ/ProgramServiceRevenueAmt0150335
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROVIDING FINANCIAL COUNSELING THRU PROPERBUDGETING SKILLS FOR CURRENT AND FUTURE BUDGETS
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0154259
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt0150335
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.myonlinebankruptcyclass.com
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt030700
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt030700
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt02839
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt07917
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt010756
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0150335
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0126834
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt091861
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0100272
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0137700
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0607002
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt02839
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt07917
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt010756
IRS990ScheduleA/InvestmentIncomeCYPct00.02000
IRS990ScheduleA/InvestmentIncomePYPct00.02000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.98340
IRS990ScheduleA/PublicSupportPY509Pct00.98430
IRS990ScheduleA/PublicSupportTotal509Amt0637702
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0150335
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0126834
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt091861
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0130972
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0137700
IRS990ScheduleA/Total509Grp/TotalAmt0637702
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0150335
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0126834
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt091861
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0133811
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0145617
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0648458
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description AmountDepreciation from 4562 3,004ADVERTISING 660OFFICE EXPENSES 101WAGES 129,681INSURANCE 9,612POSTAGE AND DELIVERY 142BANK FEES 555CAR AND TRUCK 3,343MEALS 172TELECOMMUNICATIONS 2,369CONTRACTORS 682OFFICE SOFTWARE 3,489SUPPLIES 100SUBSCRIPTIONS 349
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 65,306 65,306OTHER DEPRECIABLE ASSETS 15,020 2,768
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of other assets Part II line 24
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0LAURA KERBY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04806394746
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt00 BK CLASS INC
ReturnHeader/Filer/BusinessNameControlTxt00BKC
ReturnHeader/Filer/EIN0272284939
ReturnHeader/Filer/InCareOfNm0% LAURA KERBY
ReturnHeader/Filer/PhoneNum04806394746
ReturnHeader/Filer/USAddress/AddressLine1Txt02711 E MELROSE ST
ReturnHeader/Filer/USAddress/CityNm0GILBERT
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AZ
ReturnHeader/Filer/USAddress/ZIPCd085297
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
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/PreparationDt02025-11-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SCOTT ALLEN EA
ReturnHeader/ReturnTs02025-11-03T12:55:57-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$135,558
Liabilities
$0
Net assets
$135,558
Revenue
$150,335
Expenses
$154,259
Net income
-$3,924
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