Civic Intelligence

Business Solutions Association

990 • Fiscal year 2015 • EIN 36-3987241

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 12, 2016

3601 E Joppa RoadBaltimore, MD 21234

(410) 931-8100

Siviq Scores

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

Liabilities / Assets

75th percentile

0.13x

Higher debt load relative to assets than 75% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

64th percentile

0.02x

Higher debt load relative to revenue than 64% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Net Margin

63rd percentile

7.7%

Higher net margin than 63% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Top Officer Pay

69th percentile

$0

Higher top officer pay than 69% of similar nonprofits.

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

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Asset Growth

93rd percentile

67%

Faster asset growth than 93% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

50th percentile

0.8%

Faster revenue growth than 50% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Annualized from 2014 to 2015

Assets

Up

$59,477

Up $23,854 (+67%) from 2014

Net Assets

Up

$51,994

Up $25,138 (+94%) from 2014

Liabilities

Down

$7,483

Down $1,284 (-15%) from 2014

Revenue

Up

$328,475

Up $2,725 (+0.8%) from 2014

Expenses

Up

$303,337

Up $1,074 (+0.4%) from 2014

Net Income

Up

$25,138

Up $1,651 (+7.0%) from 2014

Historical Trend

Balance Sheet Trend

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

$200K$150K$100K$50K$0-$50KAssets 2013: $26,169Liabilities 2013: $22,800Net Assets 2013: $3,3692013Assets 2014: $35,623Liabilities 2014: $8,767Net Assets 2014: $26,8562014Assets 2015: $59,477Liabilities 2015: $7,483Net Assets 2015: $51,9942015Assets 2016: $73,667Liabilities 2016: $22,604Net Assets 2016: $51,0632016Assets 2017: $89,499Liabilities 2017: $16,750Net Assets 2017: $72,7492017Assets 2018: $168,888Liabilities 2018: $59,101Net Assets 2018: $109,7872018Assets 2019: $145,088Liabilities 2019: $15,654Net Assets 2019: $129,4342019Assets 2020: $107,843Liabilities 2020: $38,754Net Assets 2020: $69,0892020Assets 2021: $47,472Liabilities 2021: $52,504Net Assets 2021: -$5,0322021Assets 2022: $30,530Liabilities 2022: $29,122Net Assets 2022: $1,4082022Assets 2023: $25,529Liabilities 2023: $1,434Net Assets 2023: $24,0952023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2015

Assets$59,477
Liabilities$7,483
Net Assets$51,994

Operations Trend

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

$400K$200K$0-$200KRevenue 2013: $351,337Expenses 2013: $337,820Net Income 2013: $13,5172013Revenue 2014: $325,750Expenses 2014: $302,263Net Income 2014: $23,4872014Revenue 2015: $328,475Expenses 2015: $303,337Net Income 2015: $25,1382015Revenue 2016: $337,471Expenses 2016: $334,878Net Income 2016: $2,5932016Revenue 2017: $317,292Expenses 2017: $295,606Net Income 2017: $21,6862017Revenue 2018: $305,831Expenses 2018: $268,793Net Income 2018: $37,0382018Revenue 2019: $293,684Expenses 2019: $274,037Net Income 2019: $19,6472019Revenue 2020: $104,412Expenses 2020: $164,757Net Income 2020: -$60,3452020Revenue 2021: $87,008Expenses 2021: $161,130Net Income 2021: -$74,1222021Revenue 2022: $101,733Expenses 2022: $95,293Net Income 2022: $6,4402022Revenue 2023: $79,501Expenses 2023: $56,814Net Income 2023: $22,6872023Revenue 2024: $0Expenses 2024: $24,095Net Income 2024: -$24,0952024

Highlighted filing

2015

Revenue$328,475
Expenses$303,337
Net Income$25,138
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 12, 2016
Return Version
2015v2.1
Gross Receipts
$328,475
Mission and Program Overview

Mission

To promote growth and success of members through networking, education, and innovative ideas. To provide a forum for the development of strategic and synergystic solutions to enhance the sales and distribution of business related products and services.

To promote growth and success of members through networking, education, and innovative ideas. To provide a forum for the development of strategic and synergystic solutions to enhance the saled and distribution of business related products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$33,513$48,124▲ $14,611
Cash and Non-Interest-Bearing Accounts$1,435$10,578▲ $9,143
Accounts Receivable$675$775▲ $100
Total Assets$35,623$59,477▲ $23,854
Liabilities
Accounts Payable and Accrued Expenses$8,767$7,483▼ $1,284
Total Liabilities$8,767$7,483▼ $1,284
Net Assets / Fund Balance
Unrestricted Net Assets$26,856$51,994▲ $25,138
Total Net Assets Fund Balance$26,856$51,994▲ $25,138
Total Liabilities and Net Assets / Fund Balance$35,623$59,477▲ $23,854
Compensation and Service Providers

Board Members and Trustees

NameTitle
JIM O'BRIENPresident
Mike WilburPast Preside
Casey AventSecretary
Mike MetchikoffTreasurer
Barry LaneVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$133,850
Program Service Revenue
$194,490
Investment Income
$135
Other Revenue
$0
Change in Net Assets
$25,138
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$303,337
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Conferences and Meetings$146,463--$146,463
Fees for Services Management$111,240$12,360-$123,600
All Other Expenses$6,581$731-$7,312
Fees for Services Legal$4,372$486-$4,858
Other Expenses$2,551$284-$2,835
Travel$2,335$259-$2,594
Office Expenses$994$110-$1,104
Insurance$891$99-$990
Fees for Services Accounting$765$85-$850
Total Functional Expenses$287,649$15,688$0$303,337
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Page 6, Part VI, Line 3

Clemons and associates, inc. Is the managment company. Business solutions association (bsa)maintains its offices at 3601 e. Joppa road, baltimore md, 21234. The main office of clemons & associates, inc. All regular bsa staff are employees of clemons & associates, inc. And are provided on an as needed basis. There is a contract agreement between the two parties that defines the role of the managment company. A managment fee is negotiated that covers the cost of the staff, office equipment, space and exucutive director of bsa.

Form 990, Page 6, Part VI, Line 6

Bsa is organizes with dues paying members.

Form 990, Page 6, Part VI, Line 7A

The board of directors is elected by the membership, and consists of eight wholesale firms (all of which shall include the president, vice president, secretary and the treasurer) and four manufacturing firms. The wholesaler and manufacturer representative from the above said firms shall be elected at the annual meeting of the association for three-year terms, the terms to be staggered so that terms of one-third of the board shall expire each year. Newly elected directors shall take office immediately upon election

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

A copy of the return is emailed to all board members for review before filing.

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

Organization receives annual certifications from all officers and directors regarding conflict of interest policies and procedures

Form 990, Page 6, Part VI, Line 19

Documents are available for review by appointment only, by contacting the managment company of clemons and associates, inc.

Filing and Contact Details

Filer

Filer Name
Business Solutions Association
EIN
36-3987241
Phone
4109318100
Address
3601 E JOPPA ROAD, BALTIMORE, MD 21234

Signing Officer

Name
Mike Metchikoff
Title
Treasurer
Phone
4109318100
Signed
2016-07-12

Organization Details

Principal Officer
JIM O'BRIEN
Formed
1995
Legal Domicile
Il
Voting Board Members
15
Independent Board Members
15
Employees
0

Preparer

Firm
Robert a Liberto CPA Pc
Address
5430 CAMPBELL BOULEVARD STE 113, WHITE MARSH, MD 21162
Preparer
Robert a Liberto CPA
Phone
4109315010
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

To promote growth and success of members through networking, education, and innovative ideas. To provide a forum for the development of strategic and synergystic solutions to enhance the saled and distribution of business related products and services.

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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/ExplanationTxt0TO PROMOTE GROWTH AND SUCCESS OF MEMBERS THROUGH NETWORKING, EDUCATION, AND INNOVATIVE IDEAS. TO PROVIDE A FORUM FOR THE DEVELOPMENT OF STRATEGIC AND SYNERGYSTIC SOLUTIONS TO ENHANCE THE SALED AND DISTRIBUTION OF BUSINESS RELATED PRODUCTS AND SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CLEMONS AND ASSOCIATES, INC. IS THE MANAGMENT COMPANY. BUSINESS SOLUTIONS ASSOCIATION (BSA)MAINTAINS ITS OFFICES AT 3601 E. JOPPA ROAD, BALTIMORE MD, 21234. THE MAIN OFFICE OF CLEMONS & ASSOCIATES, INC. ALL REGULAR BSA STAFF ARE EMPLOYEES OF CLEMONS & ASSOCIATES, INC. AND ARE PROVIDED ON AN AS NEEDED BASIS. THERE IS A CONTRACT AGREEMENT BETWEEN THE TWO PARTIES THAT DEFINES THE ROLE OF THE MANAGMENT COMPANY. A MANAGMENT FEE IS NEGOTIATED THAT COVERS THE COST OF THE STAFF, OFFICE EQUIPMENT, SPACE AND EXUCUTIVE DIRECTOR OF BSA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BSA IS ORGANIZES WITH DUES PAYING MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP, AND CONSISTS OF EIGHT WHOLESALE FIRMS (ALL OF WHICH SHALL INCLUDE THE PRESIDENT, VICE PRESIDENT, SECRETARY AND THE TREASURER) AND FOUR MANUFACTURING FIRMS. THE WHOLESALER AND MANUFACTURER REPRESENTATIVE FROM THE ABOVE SAID FIRMS SHALL BE ELECTED AT THE ANNUAL MEETING OF THE ASSOCIATION FOR THREE-YEAR TERMS, THE TERMS TO BE STAGGERED SO THAT TERMS OF ONE-THIRD OF THE BOARD SHALL EXPIRE EACH YEAR. NEWLY ELECTED DIRECTORS SHALL TAKE OFFICE IMMEDIATELY UPON ELECTION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COPY OF THE RETURN IS EMAILED TO ALL BOARD MEMBERS FOR REVIEW BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ORGANIZATION RECEIVES ANNUAL CERTIFICATIONS FROM ALL OFFICERS AND DIRECTORS REGARDING CONFLICT OF INTEREST POLICIES AND PROCEDURES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE FOR REVIEW BY APPOINTMENT ONLY, BY CONTACTING THE MANAGMENT COMPANY OF CLEMONS AND ASSOCIATES, INC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
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IRS990/USAddress/ZIPCd030082
IRS990/VotingMembersGoverningBodyCnt015
IRS990/VotingMembersIndependentCnt015
IRS990/WebsiteAddressTxt0BUSINESSSOLUTIONSASSOCIATION.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MIKE METCHIKOFF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum04109318100
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-07-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BUSINESS SOLUTIONS ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0BUSI
ReturnHeader/Filer/EIN0363987241
ReturnHeader/Filer/PhoneNum04109318100
ReturnHeader/Filer/USAddress/AddressLine1Txt03601 E JOPPA ROAD
ReturnHeader/Filer/USAddress/CityNm0BALTIMORE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021234
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0522260436
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ROBERT A LIBERTO CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05430 CAMPBELL BOULEVARD STE 113
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WHITE MARSH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021162
ReturnHeader/PreparerPersonGrp/PhoneNum04109315010
ReturnHeader/PreparerPersonGrp/PreparationDt02016-07-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERT A LIBERTO CPA
ReturnHeader/ReturnTs02016-07-19T08:11:50-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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