Civic Intelligence

Ahora Inc

EIN 35-2686031 • 501(c)3 • Danvers, MA

Profile

To advance self-reliance, financial proficiency and independence among low-income individuals through financial education and culturally- appropriate programs.

250 Independence Way Mailbox 10Danvers, MA 01923

www.ahoramoney.org

Siviq Scores

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

Liabilities / Assets

61st percentile

0.00x

Higher debt load relative to assets than 61% of similar nonprofits.

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

Liabilities / Revenue

62nd percentile

0.00x

Higher debt load relative to revenue than 62% of similar nonprofits.

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

Net Margin

20th percentile

-26%

Higher net margin than 20% of similar nonprofits.

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

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

82nd percentile

32%

Faster asset growth than 82% of similar nonprofits.

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

Revenue Growth

60th percentile

6.8%

Faster revenue growth than 60% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets61st percentile

Assets

Down

$55,234

Down $19,415 (-26%) from 2023

Liabilities

$57

No earlier filing loaded for comparison.

Net Assets

Down

$55,177

Down $19,472 (-26%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin20th percentile

Revenue

Down

$75,724

Down $20,674 (-21%) from 2023

Expenses

Up

$95,197

Up $41,616 (+78%) from 2023

Net Income

Down

-$19,473

Down $62,290 (-145%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

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

$80K$60K$40K$20K$0Assets 2021: $40,178Net Assets 2021: $40,1782021Assets 2022: $31,833Net Assets 2022: $31,8332022Assets 2023: $74,649Net Assets 2023: $74,6492023Assets 2024: $55,234Liabilities 2024: $57Net Assets 2024: $55,1772024

Highlighted filing

2024

Assets$55,234
Liabilities$57
Net Assets$55,177
Open 2024 Filing

Operations Trend

Revenue Growth60th percentile

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

$100K$50K$0-$50KRevenue 2021: $73,013Expenses 2021: $53,085Net Income 2021: $19,9282021Revenue 2022: $66,373Expenses 2022: $74,719Net Income 2022: -$8,3462022Revenue 2023: $96,398Expenses 2023: $53,581Net Income 2023: $42,8172023Revenue 2024: $75,724Expenses 2024: $95,197Net Income 2024: -$19,4732024

Highlighted filing

2024

Revenue$75,724
Expenses$95,197
Net Income-$19,473
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$55,234
Liabilities
$57
Net assets
$55,177
Revenue
$75,724
Expenses
$95,197
Net income
-$19,473
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$55.2$0.06$55.2$75.7$95.2$19.5
2023Detailed filing. Detailed filing data is available for this year.$74.6$74.6$96.4$53.6$42.8
2022Detailed filing. Detailed filing data is available for this year.$31.8$31.8$66.4$74.7$8.35
2021Detailed filing. Detailed filing data is available for this year.$40.2$40.2$73.0$53.1$19.9
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.0
Gross Receipts
$75,724
Mission and Program Overview

Mission

To advance self-reliance, financial proficiency and independence among low-income individuals through financial education and culturally- appropriate programs.

Program Services

DescriptionGrantsExpenses
TO ADVANCE SELF-RELIANCE, FINANCIAL PROFICIENCY AND INDEPENDENCE AMONG LOW-INCOME INDIVIDUALS THROUGH FINANCIAL EDUCATION AND CULTURALLY- APPROPRIATE PROGRAMS.-$95,197
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
DAVID A MORALESDirector-$0--
SAMANDA E MORALESPresident, C-$0--
NHUNG LAMTreasurer-$0--
YASMIN S CAVALLOClerk-$0--
STEVEN C PANAGIOTAKOSDirector-$0--
EVAN DUBEDirector-$0--
DEXIE GARCIADirector-$0--
Filing and Contact Details

Filer

Filer Name
Ahora Inc
EIN
35-2686031
Phone
8778328053
Address
250 INDEPENDENCE WAY MAILBOX 10, DANVERS, MA 01923

Signing Officer

Name
Samanda E Morales
Title
President, CEO
Phone
8778328035
Signed
2025-05-13
Discuss with paid preparer
Yes

Preparer

Firm
Demakis Inc CPA
Address
56 CENTRAL AVENUE SUITE 301, LYNN, MA 01901-1190
Preparer
A Demakis
Phone
7815926120
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses office supplies 390 it development/support 39,467 computer & software 2,822 travel 43 dues & subscriptions 145 education training 427 meals 803 ma form pc fee 71 telephone 1,147 grants 500 bank charges 117 total 45,932”

Form 990-ez, Part II, Line 26

“Accounts payable and accrued expenses 0 57”

Form 990-ez, Part III

“To advance self-reliance, financial proficiency and independence among low-income individuals through financial education and culturally- appropriate programs.”

Raw XML Appendix144 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
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IRS990EZ/BooksInCareOfDetail/PhoneNum08778328053
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1SAMANDA E MORALES
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
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IRS990EZ/OtherExpensesTotalAmt045932
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
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IRS990EZ/PrintingPublicationsPostageAmt076
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt095197
IRS990EZ/ProhibitedTaxShelterTransInd0false
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IRS990EZ/TotalRevenueAmt075724
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES OFFICE SUPPLIES 390 IT DEVELOPMENT/SUPPORT 39,467 COMPUTER & SOFTWARE 2,822 TRAVEL 43 DUES & SUBSCRIPTIONS 145 EDUCATION TRAINING 427 MEALS 803 MA FORM PC FEE 71 TELEPHONE 1,147 GRANTS 500 BANK CHARGES 117 TOTAL 45,932
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACCOUNTS PAYABLE AND ACCRUED EXPENSES 0 57
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2TO ADVANCE SELF-RELIANCE, FINANCIAL PROFICIENCY AND INDEPENDENCE AMONG LOW-INCOME INDIVIDUALS THROUGH FINANCIAL EDUCATION AND CULTURALLY- APPROPRIATE PROGRAMS.
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ReasonableCauseExplanation/ExplanationTxt0ADDITIONAL TIME REQUIRED TO GATHER INFORMATION TO FILE AN ACCURATE TAX RETURN.
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ReturnHeader/PreparerPersonGrp/PhoneNum07815926120
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0A DEMAKIS
ReturnHeader/ReturnTs02025-05-13T12:17:36-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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