Civic Intelligence

Business Solutions Association

990 • Fiscal year 2019 • EIN 36-3987241

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 13, 2020

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

0.11x

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

2019 filings • 501(c)6 • <$500k nonprofits • Source year 2019

Liabilities / Revenue

72nd percentile

0.05x

Higher debt load relative to revenue than 72% of similar nonprofits.

2019 filings • 501(c)6 • <$500k nonprofits • Source year 2019

Net Margin

60th percentile

6.7%

Higher net margin than 60% of similar nonprofits.

2019 filings • 501(c)6 • <$500k nonprofits • Source year 2019

Top Officer Pay

71st percentile

$0

Higher top officer pay than 71% of similar nonprofits.

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

2019 filings • 501(c)6 • <$500k nonprofits • Source year 2019

Asset Growth

22nd percentile

-14%

Faster asset growth than 22% of similar nonprofits.

2019 filings • 501(c)6 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

39th percentile

-4.0%

Faster revenue growth than 39% of similar nonprofits.

2019 filings • 501(c)6 • <$500k nonprofits • Annualized from 2018 to 2019

Assets

Down

$145,088

Down $23,800 (-14%) from 2018

Net Assets

Up

$129,434

Up $19,647 (+18%) from 2018

Liabilities

Down

$15,654

Down $43,447 (-74%) from 2018

Revenue

Down

$293,684

Down $12,147 (-4.0%) from 2018

Expenses

Up

$274,037

Up $5,244 (+2.0%) from 2018

Net Income

Down

$19,647

Down $17,391 (-47%) from 2018

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

2019

Assets$145,088
Liabilities$15,654
Net Assets$129,434

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

2019

Revenue$293,684
Expenses$274,037
Net Income$19,647
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 13, 2020
Return Version
2019v5.0
Gross Receipts
$293,684
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$6,238$120,260▲ $114,022
Savings and Temporary Cash Investments$156,365$19,822▼ $136,543
Prepaid Expenses and Deferred Charges$6,285$5,006▼ $1,279
Total Assets$168,888$145,088▼ $23,800
Liabilities
Other Liabilities$17,050--
Deferred Revenue$36,050$11,250▼ $24,800
Accounts Payable and Accrued Expenses$6,001$4,404▼ $1,597
Total Liabilities$59,101$15,654▼ $43,447
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$109,787$129,434▲ $19,647
Total Net Assets Fund Balance$109,787$129,434▲ $19,647
Total Liabilities and Net Assets / Fund Balance$168,888$145,088▼ $23,800
Compensation and Service Providers

Board Members and Trustees

NameTitle
Travis KastePresident
Brian BowerfindDirector
Joe TempletDirector
Paul GatensDirector
Susan RobertsDirector
Barry LaneImmediate Pa
Nick AronisSecretary
Marlin WendlandTreasurer
Casey AventVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$109,125
Program Service Revenue
$181,630
Investment Income
$72
Other Revenue
$2,857
Change in Net Assets
$19,647
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$274,037
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
Fees for Services Management$126,916$14,102-$141,018
Conferences and Meetings$95,133--$95,133
All Other Expenses$6,691$745-$7,436
Other Expenses$3,019$336-$3,355
Travel$2,895$322-$3,217
Office Expenses$2,190$244-$2,434
Insurance$978$109-$1,087
Fees for Services Legal$965$107-$1,072
Fees for Services Accounting$958$107-$1,065
Total Functional Expenses$256,143$17,894$0$274,037
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
Yes
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
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

Business solutions association (bsa) is managed by the association management company of clemons & associates, inc. Bsa maintains its headquarters at clemons & associates' offices located at 3601 e. Joppa road, baltimore, md 21234. All regular bsa staff members are employees of clemons & associates and are provided to bsa on an as-needed basis. Bsa and clemons & associates agree on the responsibilities of the management firm. A management fee is negotiated that covers the cost of the bsa executive director, staff, office equipment, and office space.

Form 990, Page 6, Part VI, Line 6

Bsa is organized with dues paying members.

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

The association shall be managed by a board of directors consisting of not less than six (6) nor more than eighteen (18) members. The exact number of directors shall be established by resolution of the board of directors. The board shall be representative of each category of membership established by the board of directors provided that each membership segment shall have at least one board member. The executive committee may appoint board members during each election. The remaining directors shall be elected by the respective membership segment for three-year terms; the terms to be so staggered 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

Form 990 is prepared by a certified public accountant and the final draft is reviewed by association staff and the treasurer prior to filing.

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

If the governing board or committee has reasonable cause to believe a member has failed to disclose actual or possible conflicts of interest it shall inform the member of the basis for such belief and afford the member an opportunity to explain the alleged failure to disclose. If, after hearing the member's response and after making further investigation as warranted by the circumstances, the governing board or committee determines the member has failed to disclose an actual or possible conflict of interest, it shall take appropriate disciplinary and corrective action.

Form 990, Page 6, Part VI, Line 19

Documents are available for review by appointment only, by contacting the managment company of clemons & 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
Marlin Wendland
Title
Treasurer
Phone
4109318100
Signed
2020-10-13

Organization Details

Principal Officer
Travis Kaste
Formed
1995
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
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 sales and distribution of business related products and services.

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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 SALES AND DISTRIBUTION OF BUSINESS RELATED PRODUCTS AND SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BUSINESS SOLUTIONS ASSOCIATION (BSA) IS MANAGED BY THE ASSOCIATION MANAGEMENT COMPANY OF CLEMONS & ASSOCIATES, INC. BSA MAINTAINS ITS HEADQUARTERS AT CLEMONS & ASSOCIATES' OFFICES LOCATED AT 3601 E. JOPPA ROAD, BALTIMORE, MD 21234. ALL REGULAR BSA STAFF MEMBERS ARE EMPLOYEES OF CLEMONS & ASSOCIATES AND ARE PROVIDED TO BSA ON AN AS-NEEDED BASIS. BSA AND CLEMONS & ASSOCIATES AGREE ON THE RESPONSIBILITIES OF THE MANAGEMENT FIRM. A MANAGEMENT FEE IS NEGOTIATED THAT COVERS THE COST OF THE BSA EXECUTIVE DIRECTOR, STAFF, OFFICE EQUIPMENT, AND OFFICE SPACE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BSA IS ORGANIZED WITH DUES PAYING MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ASSOCIATION SHALL BE MANAGED BY A BOARD OF DIRECTORS CONSISTING OF NOT LESS THAN SIX (6) NOR MORE THAN EIGHTEEN (18) MEMBERS. THE EXACT NUMBER OF DIRECTORS SHALL BE ESTABLISHED BY RESOLUTION OF THE BOARD OF DIRECTORS. THE BOARD SHALL BE REPRESENTATIVE OF EACH CATEGORY OF MEMBERSHIP ESTABLISHED BY THE BOARD OF DIRECTORS PROVIDED THAT EACH MEMBERSHIP SEGMENT SHALL HAVE AT LEAST ONE BOARD MEMBER. THE EXECUTIVE COMMITTEE MAY APPOINT BOARD MEMBERS DURING EACH ELECTION. THE REMAINING DIRECTORS SHALL BE ELECTED BY THE RESPECTIVE MEMBERSHIP SEGMENT FOR THREE-YEAR TERMS; THE TERMS TO BE SO STAGGERED THAT TERMS OF ONE-THIRD OF THE BOARD SHALL EXPIRE EACH YEAR. NEWLY ELECTED DIRECTORS SHALL TAKE OFFICE IMMEDIATELY UPON ELECTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORM 990 IS PREPARED BY A CERTIFIED PUBLIC ACCOUNTANT AND THE FINAL DRAFT IS REVIEWED BY ASSOCIATION STAFF AND THE TREASURER PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5IF THE GOVERNING BOARD OR COMMITTEE HAS REASONABLE CAUSE TO BELIEVE A MEMBER HAS FAILED TO DISCLOSE ACTUAL OR POSSIBLE CONFLICTS OF INTEREST IT SHALL INFORM THE MEMBER OF THE BASIS FOR SUCH BELIEF AND AFFORD THE MEMBER AN OPPORTUNITY TO EXPLAIN THE ALLEGED FAILURE TO DISCLOSE. IF, AFTER HEARING THE MEMBER'S RESPONSE AND AFTER MAKING FURTHER INVESTIGATION AS WARRANTED BY THE CIRCUMSTANCES, THE GOVERNING BOARD OR COMMITTEE DETERMINES THE MEMBER HAS FAILED TO DISCLOSE AN ACTUAL OR POSSIBLE CONFLICT OF INTEREST, IT SHALL TAKE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE FOR REVIEW BY APPOINTMENT ONLY, BY CONTACTING THE MANAGMENT COMPANY OF CLEMONS & ASSOCIATES, INC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt0145088
IRS990/TotalAssetsGrp/BOYAmt0168888
IRS990/TotalAssetsGrp/EOYAmt0145088
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IRS990/TotalContributionsAmt0109125
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt017894
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0256143
IRS990/TotalFunctionalExpensesGrp/TotalAmt0274037
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt059101
IRS990/TotalLiabilitiesEOYAmt015654
IRS990/TotalLiabilitiesGrp/BOYAmt059101
IRS990/TotalLiabilitiesGrp/EOYAmt015654
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0109787
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0129434
IRS990/TotalProgramServiceRevenueAmt0181630
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0184559
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0293684
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0168888
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0145088
IRS990/TravelGrp/ManagementAndGeneralAmt0322
IRS990/TravelGrp/ProgramServicesAmt02895
IRS990/TravelGrp/TotalAmt03217
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03M CENTER
IRS990/USAddress/AddressLine2Txt0BUILDING 223-3S-03
IRS990/USAddress/CityNm0SAINT PAUL
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055144
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0BUSINESSSOLUTIONSASSOCIATION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MARLIN WENDLAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum04109318100
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-10-13
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/FilingSecurityInformation/AtSubmissionCreationDeviceId03342E1D06845324F1AB3532007A6D6607B300D0D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId07D0CA1BBC9E37E9A6284F466460C23CFF1ED93AC
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0167.68.16.49
ReturnHeader/FilingSecurityInformation/IPDt02020-10-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm016:50:32
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/PreparationDt02020-10-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERT A LIBERTO CPA
ReturnHeader/ReturnTs02020-10-15T16:50:32-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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