Civic Intelligence

Business Solutions Association

990 • Fiscal year 2020 • EIN 36-3987241

Jan 01, 2020 to Dec 31, 2020 • Filed on Sep 08, 2021

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

86th percentile

0.36x

Higher debt load relative to assets than 86% of similar nonprofits.

2020 filings • 501(c)6 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

87th percentile

0.37x

Higher debt load relative to revenue than 87% of similar nonprofits.

2020 filings • 501(c)6 • <$500k nonprofits • Source year 2020

Net Margin

10th percentile

-58%

Higher net margin than 10% of similar nonprofits.

2020 filings • 501(c)6 • <$500k nonprofits • Source year 2020

Top Officer Pay

70th percentile

$0

Higher top officer pay than 70% of similar nonprofits.

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

2020 filings • 501(c)6 • <$500k nonprofits • Source year 2020

Asset Growth

14th percentile

-26%

Faster asset growth than 14% of similar nonprofits.

2020 filings • 501(c)6 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

13th percentile

-64%

Faster revenue growth than 13% of similar nonprofits.

2020 filings • 501(c)6 • <$500k nonprofits • Annualized from 2019 to 2020

Assets

Down

$107,843

Down $37,245 (-26%) from 2019

Net Assets

Down

$69,089

Down $60,345 (-47%) from 2019

Liabilities

Up

$38,754

Up $23,100 (+148%) from 2019

Revenue

Down

$104,412

Down $189,272 (-64%) from 2019

Expenses

Down

$164,757

Down $109,280 (-40%) from 2019

Net Income

Down

-$60,345

Down $79,992 (-407%) from 2019

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

2020

Assets$107,843
Liabilities$38,754
Net Assets$69,089

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

2020

Revenue$104,412
Expenses$164,757
Net Income-$60,345
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Sep 8, 2021
Return Version
2020v4.1
Gross Receipts
$104,412
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.

SEE SCHEDULE O

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$120,260$68,689▼ $51,571
Savings and Temporary Cash Investments$19,822$39,154▲ $19,332
Prepaid Expenses and Deferred Charges$5,006--
Total Assets$145,088$107,843▼ $37,245
Liabilities
Deferred Revenue$11,250$38,000▲ $26,750
Accounts Payable and Accrued Expenses$4,404$754▼ $3,650
Total Liabilities$15,654$38,754▲ $23,100
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$129,434$69,089▼ $60,345
Total Net Assets Fund Balance$129,434$69,089▼ $60,345
Total Liabilities and Net Assets / Fund Balance$145,088$107,843▼ $37,245
Compensation and Service Providers

Board Members and Trustees

NameTitle
Travis KastePresident
Casey AventVice President
Brian BowerfindBoard Member
Susan RobertsBoard Member
Nick AronisSecretary
Marlin WendlandTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Clemons & Associates INCManagement3601 E JOPPA RD, Baltimore, MD 21234$140,718
Revenue and Support

Revenue Composition

Contributions and Grants
$79,750
Program Service Revenue
$24,600
Investment Income
$62
Other Revenue
$0
Change in Net Assets
$-60,345
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$164,757
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$126,646$14,072-$140,718
All Other Expenses$5,013$557-$5,570
Other Expenses$3,208$356-$3,564
Travel$1,567$174-$1,741
Conferences and Meetings$1,093$121-$1,214
Insurance-$1,141-$1,141
Fees for Services Accounting-$1,100-$1,100
Office Expenses$570$63-$633
Fees for Services Legal$398$44-$442
Total Functional Expenses$140,428$24,329$0$164,757
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
In-house lobbying only
Yes
Subject to proxy tax
Yes
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, 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 bsa executive director, staff, office equipment, and office space.

Form 990, Part VI, Line 6

Bsa is organized with dues paying members

Form 990, 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, 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 members 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 the appropriate disciplinary and corrective action.

Form 990, Part VI, Line 19

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

Form 990, Part VI, Line 11A

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

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
Signed
2021-09-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Travis Kaste
Formed
1995
Legal Domicile
Il
Voting Board Members
6
Independent Board Members
6
Employees
0

Preparer

Firm
Bounds Accounting and Tax Services LLC
Address
441 E BALTIMORE ST, TANEYTOWN, MD 21787
Preparer
Wilson Bounds
Phone
4107566305
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 1

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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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 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 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/ExplanationTxt4IF 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 MEMBERS 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 THE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DOCUMENTS ARE AVAILABLE FOR REVIEW BY APPOINTMENT ONLY, BY CONTACTING THE MANAGEMENT COMPANY OF CLEMONS ASSOCIATES, INC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FORM 990 IS PREPARED BY A CERTIFIED PUBLIC ACCOUNTANT AND THE FINAL DRAFT IS REVIEWED BY ASSOCIATIONS STAFF AND THE TREASURER PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part I, Line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 11A
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IRS990/USAddress/AddressLine1Txt03M CENTER
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IRS990/WebsiteAddressTxt0WWW.BUSINESSSOLUTIONSASSOCIATION.COM
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
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ReturnHeader/BusinessOfficerGrp/SignatureDt02021-09-08
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
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BOUNDS ACCOUNTING AND TAX SERVICES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0441 E BALTIMORE ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TANEYTOWN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021787
ReturnHeader/PreparerPersonGrp/PhoneNum04107566305
ReturnHeader/PreparerPersonGrp/PreparationDt02021-09-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0WILSON BOUNDS
ReturnHeader/ReturnTs02021-09-08T11:47:33-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0MARLIN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0WENDLAND
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

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