Civic Intelligence

A Debt Coach Credit Counseling

EIN 31-1353001 • 501(c)3 • Florence, KY

Profile

To provide debt management counseling services and money management education for clients.

71 Cavalier Blvd 224Florence, KY 41042

n/A

Siviq Scores

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

Liabilities / Assets

83rd percentile

0.21x

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

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

Liabilities / Revenue

83rd percentile

0.10x

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

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

Net Margin

27th percentile

-14%

Higher net margin than 27% of similar nonprofits.

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

Top Officer Pay

96th percentile

$66,000

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 41.8% of source-year revenue.

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

Asset Growth

35th percentile

-16%

Faster asset growth than 35% of similar nonprofits.

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

Revenue Growth

14th percentile

-64%

Faster revenue growth than 14% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Down

$76,040

Down $14,278 (-16%) from 2023

Liabilities

Up

$15,705

Up $7,800 (+99%) from 2023

Net Assets

Down

$60,335

Down $22,078 (-27%) from 2023

Operations
Liabilities / Revenue83rd percentileNet Margin27th percentile

Revenue

Down

$158,074

Down $283,800 (-64%) from 2023

Expenses

Down

$180,152

Down $257,684 (-59%) from 2023

Net Income

Down

-$22,078

Down $26,116 (-647%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$300K$200K$100K$0-$100KAssets 2013: $187,332Liabilities 2013: $256,644Net Assets 2013: -$69,3122013Assets 2015: $49,572Liabilities 2015: $50,624Net Assets 2015: -$1,0522015Assets 2016: $50,154Liabilities 2016: $43,962Net Assets 2016: $6,1922016Assets 2017: $53,178Liabilities 2017: $31,977Net Assets 2017: $21,2012017Assets 2018: $127,863Liabilities 2018: $91,939Net Assets 2018: $35,9242018Assets 2019: $117,687Liabilities 2019: $79,630Net Assets 2019: $38,0572019Assets 2021: $126,947Liabilities 2021: $49,311Net Assets 2021: $77,6362021Assets 2022: $97,616Liabilities 2022: $19,241Net Assets 2022: $78,3752022Assets 2023: $90,318Liabilities 2023: $7,905Net Assets 2023: $82,4132023Assets 2024: $76,040Liabilities 2024: $15,705Net Assets 2024: $60,3352024

Highlighted filing

2024

Assets$76,040
Liabilities$15,705
Net Assets$60,335
Open 2024 Filing

Operations Trend

Revenue Growth14th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2013: $482,930Expenses 2013: $541,111Net Income 2013: -$58,1812013Revenue 2015: $175,089Expenses 2015: $235,517Net Income 2015: -$60,4282015Revenue 2016: $162,591Expenses 2016: $155,347Net Income 2016: $7,2442016Revenue 2017: $392,036Expenses 2017: $361,528Net Income 2017: $30,5082017Revenue 2018: $987,562Expenses 2018: $972,839Net Income 2018: $14,7232018Revenue 2019: $1,181,587Expenses 2019: $1,179,454Net Income 2019: $2,1332019Revenue 2021: $911,124Expenses 2021: $892,386Net Income 2021: $18,7382021Revenue 2022: $507,183Expenses 2022: $506,444Net Income 2022: $7392022Revenue 2023: $441,874Expenses 2023: $437,836Net Income 2023: $4,0382023Revenue 2024: $158,074Expenses 2024: $180,152Net Income 2024: -$22,0782024

Highlighted filing

2024

Revenue$158,074
Expenses$180,152
Net Income-$22,078
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$76,040
Liabilities
$15,705
Net assets
$60,335
Revenue
$158,074
Expenses
$180,152
Net income
-$22,078
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.08$0.02$0.06$0.16$0.18$0.02
2023Detailed filing. Detailed filing data is available for this year.$0.09$0.01$0.08$0.44$0.44$0.00
2022Detailed filing. Detailed filing data is available for this year.$0.10$0.02$0.08$0.51$0.51$0.00
2021Detailed filing. Detailed filing data is available for this year.$0.13$0.05$0.08$0.91$0.89$0.02
2019Detailed filing. Detailed filing data is available for this year.$0.12$0.08$0.04$1.18$1.18$0.00
2018Detailed filing. Detailed filing data is available for this year.$0.13$0.09$0.04$0.99$0.97$0.01
2017Detailed filing. Detailed filing data is available for this year.$0.05$0.03$0.02$0.39$0.36$0.03
2016Detailed filing. Detailed filing data is available for this year.$0.05$0.04$0.01$0.16$0.16$0.01
2015Detailed filing. Detailed filing data is available for this year.$0.05$0.05$0.00$0.18$0.24$0.06
2013Detailed filing. Detailed filing data is available for this year.$0.19$0.26$0.07$0.48$0.54$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 21, 2025
Return Version
2024v5.0
Gross Receipts
$158,074
Mission and Program Overview

Mission

To provide debt management counseling services and money management education for clients.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$60,585$56,797▼ $3,788
Prepaid Expenses and Deferred Charges$6,963$3,389▼ $3,574
Cash and Non-Interest-Bearing Accounts$16,579$1,981▼ $14,598
Total Assets$90,318$76,040▼ $14,278
Other Assets Total$6,191$13,873▲ $7,682
Liabilities
Escrow Account Liability$5,341$13,023▲ $7,682
Accounts Payable and Accrued Expenses$2,564$2,682▲ $118
Total Liabilities$7,905$15,705▲ $7,800
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$82,413$60,335▼ $22,078
Total Net Assets Fund Balance$82,413$60,335▼ $22,078
Total Liabilities and Net Assets / Fund Balance$90,318$76,040▼ $14,278

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$56,797$59,697$37,879
Other Assets Org$850--
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Louis WilliamsPresidentFT$66,000$66,000

Board Members and Trustees

NameTitle
Donna ParkerBoard Member
Jessica CruzBoard Member
Kellie HinelyBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$158,074
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-22,078

Audited Revenue Reconciliation

Revenue per Audited Statements
$158,074
Total Revenue per Audited Statements
$158,074
Total Revenue per Form 990
$158,074
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$106,538
Salaries, Compensation, and Employee Benefits$73,614
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$33,000$33,000-$66,000
Advertising$47,576--$47,576
Insurance$5,213$7,589-$12,802
Occupancy$9,944--$9,944
Payroll Taxes$3,807$3,807-$7,614
All Other Expenses$1,238$4,098-$5,336
Other Expenses$4,025$710-$4,735
Office Expenses$2,912$728-$3,640
Fees for Services Other$878--$878
Total Functional Expenses$127,549$52,603$0$180,152

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$180,152
Total Expenses per Audited Statements$180,152
Total Expenses per Form 990$180,152
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
No
Management duties delegated
No

Governance Explanations

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

“Draft return presented to board for review prior to filing.”

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

“Policy is discussed at regular board meetings.”

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

“Comparative size entities in like business operations.”

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

“NA”

Form 990, Page 6, Part VI, Line 19

“Governing documents are made available in electronic form upon written request.”

Filing and Contact Details

Filer

Filer Name
A Debt Coach Credit Counseling
EIN
31-1353001
Phone
8887679155
Address
71 CAVALIER BLVD 224, FLORENCE, KY 41042

Signing Officer

Name
Louis Williams
Title
President
Phone
8887679155
Signed
2025-10-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Louis Williams
Legal Domicile
Ky
Voting Board Members
4
Independent Board Members
4
Employees
1

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

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Organization collects client debt payments and administers them with creditors using a trust account.”

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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/ExplanationTxt2COMPARATIVE SIZE ENTITIES IN LIKE BUSINESS OPERATIONS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS ARE MADE AVAILABLE IN ELECTRONIC FORM UPON WRITTEN REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/StatesWhereCopyOfReturnIsFldCd4GA
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IRS990/StatesWhereCopyOfReturnIsFldCd9NC
IRS990/StatesWhereCopyOfReturnIsFldCd10VA
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0127549
IRS990/TotalFunctionalExpensesGrp/TotalAmt0180152
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ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LOUIS WILLIAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08887679155
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0A DEBT COACH CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0SERVICE
ReturnHeader/Filer/BusinessNameControlTxt0ADEB
ReturnHeader/Filer/EIN0311353001
ReturnHeader/Filer/PhoneNum08887679155
ReturnHeader/Filer/USAddress/AddressLine1Txt071 CAVALIER BLVD 224
ReturnHeader/Filer/USAddress/CityNm0FLORENCE
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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/PreparationDt02025-10-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL F DELUCA CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-21T16:04:00-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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