Civic Intelligence

Better Credit Ed

990EZ • Fiscal year 2025 • EIN 38-4036784

Jan 01, 2025 to Dec 31, 2025 • Filed on Feb 15, 2026

Organization ProfileN/A

Refreshing map…

745 Distel Dr 117Los Altos, CA 94022

(408) 655-4235

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2025

Net Margin

98th percentile

92%

Higher net margin than 98% of similar nonprofits.

2025 filings • 501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

82nd percentile

$0

Higher top officer pay than 82% of similar nonprofits.

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

2025 filings • 501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

96th percentile

165%

Faster asset growth than 96% of similar nonprofits.

2025 filings • 501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

65th percentile

14%

Faster revenue growth than 65% of similar nonprofits.

2025 filings • 501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$10,014

Up $6,237 (+165%) from 2024

Net Assets

Up

$10,014

Up $6,237 (+165%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin98th percentile

Revenue

Up

$7,700

Up $924 (+14%) from 2024

Expenses

Down

$578

Down $3,009 (-84%) from 2024

Net Income

Up

$7,122

Up $3,933 (+123%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$15K$10K$5.0K$0Assets 2017: $1Liabilities 2017: $02017Assets 2018: $0Net Assets 2018: $02018Assets 2020: $1Liabilities 2020: $0Net Assets 2020: $02020Assets 2021: $600Liabilities 2021: $0Net Assets 2021: $6002021Assets 2022: $588Liabilities 2022: $02022Assets 2023: $588Liabilities 2023: $02023Assets 2024: $3,777Net Assets 2024: $3,7772024Assets 2025: $10,014Net Assets 2025: $10,0142025

Highlighted filing

2025

Assets$10,014
Liabilities-
Net Assets$10,014
Open 2025 Filing

Operations Trend

Revenue Growth65th percentile

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

$8.0K$6.0K$4.0K$2.0K$0Revenue 2017: $0Expenses 2017: $0Net Income 2017: $02017Revenue 2018: $02018Revenue 2020: $0Expenses 2020: $0Net Income 2020: $02020Revenue 2021: $1,517Expenses 2021: $917Net Income 2021: $6002021Revenue 2022: $588Expenses 2022: $0Net Income 2022: $5882022Revenue 2023: $0Expenses 2023: $0Net Income 2023: $02023Revenue 2024: $6,776Expenses 2024: $3,587Net Income 2024: $3,1892024Revenue 2025: $7,700Expenses 2025: $578Net Income 2025: $7,1222025

Highlighted filing

2025

Revenue$7,700
Expenses$578
Net Income$7,122
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 15, 2026
Return Version
2025v4.0
Gross Receipts
$7,700
Mission and Program Overview

Mission

Credit Education for Seniors

Program Services

DescriptionGrantsExpenses
Credit and financial help, education, resources for seniors and their pets--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sofiya KarinovaSecretary-$0--
Filing and Contact Details

Filer

Filer Name
Better Credit Ed
EIN
38-4036784
Address
745 DISTEL DR 117, LOS ALTOS, CA 94022

Signing Officer

Name
Sofiya Karinova
Title
Secretary
Signed
2026-02-15
Discuss with paid preparer
Yes

Preparer

Firm
Anomalous Business Systems Invstmnt House
Address
1515 Lincoln Ave, San Jose, CA 95125
Preparer
Sofiya Karinova
Phone
4082868485
Supplemental Narrative

Additional Explanations

Other Expenses.1

“promotional itms 4 fundrsng $200”

Raw XML Appendix123 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0Jonibek Karinov
IRS990EZ/BooksInCareOfDetail/PhoneNum04086554235
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0745 Distel Dr 117
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Los Altos
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd094022
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt03777
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt010014
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt07700
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt07122
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0378
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt03777
IRS990EZ/Form990TotalAssetsGrp/EOYAmt010014
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt07700
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt03777
IRS990EZ/NetAssetsOrFundBalancesEOYAmt010014
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt03777
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt010014
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Sofiya Karinova
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Secretary
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherChangesInNetAssetsAmt0-885
IRS990EZ/OtherExpensesTotalAmt0200
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Credit Education for Seniors
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Credit and financial help, education, resources for seniors and their pets
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt0578
IRS990EZ/TotalRevenueAmt07700
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt07700
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt03266
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0588
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt01517
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt013071
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt013071
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt07700
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt03266
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0588
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01517
IRS990ScheduleA/Total509Grp/TotalAmt013071
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt07700
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt03266
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0588
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01517
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt013071
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0promotional itms 4 fundrsng $200
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Sofiya Karinova
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Secretary
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BETTER CREDIT ED
ReturnHeader/Filer/BusinessNameControlTxt0BETT
ReturnHeader/Filer/EIN0384036784
ReturnHeader/Filer/USAddress/AddressLine1Txt0745 DISTEL DR 117
ReturnHeader/Filer/USAddress/CityNm0LOS ALTOS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd094022
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0942296892
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Anomalous Business Systems Invstmnt House
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01515 Lincoln Ave
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Jose
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd095125
ReturnHeader/PreparerPersonGrp/PhoneNum04082868485
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Sofiya Karinova
ReturnHeader/ReturnTs02026-02-15T19:18:40-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,014
Liabilities
-
Net assets
$10,014
Revenue
$7,700
Expenses
$578
Net income
$7,122
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$10.0$10.0$7.70$0.58$7.12
2024Detailed filing. Detailed filing data is available for this year.$3.78$3.78$6.78$3.59$3.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.59$0.00$0.00$0.00$0.00
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.59$0.00$0.59$0.00$0.59
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.60$0.00$0.60$1.52$0.92$0.60
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.00$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00
2017Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$0.00$0.00