Civic Intelligence

Whispering Oaks Estates Inc

EIN 43-1096026 • 501(c)4 • Bland, MO

Profile

LOW INCOME HOUSING

PO Box 356Bland, MO 65014

n/A

Siviq Scores

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

Liabilities / Assets

96th percentile

1.01x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

2.01x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2024

Net Margin

30th percentile

-9.8%

Higher net margin than 30% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2024

Top Officer Pay

89th percentile

$0

Higher top officer pay than 89% of similar nonprofits.

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

501(c)4 • <$500k nonprofits • Source year 2024

Asset Growth

39th percentile

-7.9%

Faster asset growth than 39% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

59th percentile

3.6%

Faster revenue growth than 59% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets96th percentile

Assets

Down

$300,327

Down $25,627 (-7.9%) from 2023

Liabilities

Down

$302,591

Down $10,824 (-3.5%) from 2023

Net Assets

Down

-$2,264

Down $14,803 (-118%) from 2023

Operations
Liabilities / Revenue97th percentileNet Margin30th percentile

Revenue

Up

$150,336

Up $5,169 (+3.6%) from 2023

Expenses

Up

$165,139

Up $26,554 (+19%) from 2023

Net Income

Down

-$14,803

Down $21,385 (-325%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth39th percentile

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

$400K$300K$200K$100K$0-$100KAssets 2011: $300,433Liabilities 2011: $146,068Net Assets 2011: $154,3652011Assets 2012: $304,120Liabilities 2012: $141,957Net Assets 2012: $162,1632012Assets 2013: $288,026Liabilities 2013: $152,885Net Assets 2013: $135,1412013Assets 2014: $203,986Liabilities 2014: $102,0082014Assets 2016: $166,671Liabilities 2016: $168,722Net Assets 2016: -$2,0512016Assets 2017: $269,987Liabilities 2017: $260,358Net Assets 2017: $9,6292017Assets 2018: $374,182Liabilities 2018: $353,221Net Assets 2018: $20,9612018Assets 2019: $375,798Liabilities 2019: $347,435Net Assets 2019: $28,3632019Assets 2020: $362,366Liabilities 2020: $338,221Net Assets 2020: $24,1452020Assets 2021: $334,589Liabilities 2021: $325,156Net Assets 2021: $9,4332021Assets 2022: $318,751Liabilities 2022: $312,794Net Assets 2022: $5,9572022Assets 2023: $325,954Liabilities 2023: $313,415Net Assets 2023: $12,5392023Assets 2024: $300,327Liabilities 2024: $302,591Net Assets 2024: -$2,2642024

Highlighted filing

2024

Assets$300,327
Liabilities$302,591
Net Assets-$2,264
Open 2024 Filing

Operations Trend

Revenue Growth59th percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2011: $101,596Expenses 2011: $94,220Net Income 2011: $7,3762011Revenue 2012: $103,252Expenses 2012: $95,453Net Income 2012: $7,7992012Revenue 2013: $96,412Expenses 2013: $123,434Net Income 2013: -$27,0222013Revenue 2014: $102,880Expenses 2014: $136,033Net Income 2014: -$33,1532014Revenue 2016: $108,445Expenses 2016: $122,683Net Income 2016: -$14,2382016Revenue 2017: $110,898Expenses 2017: $99,218Net Income 2017: $11,6802017Revenue 2018: $123,678Expenses 2018: $112,346Net Income 2018: $11,3322018Revenue 2019: $125,408Expenses 2019: $118,006Net Income 2019: $7,4022019Revenue 2020: $126,413Expenses 2020: $130,631Net Income 2020: -$4,2182020Revenue 2021: $129,638Expenses 2021: $144,350Net Income 2021: -$14,7122021Revenue 2022: $126,803Expenses 2022: $130,279Net Income 2022: -$3,4762022Revenue 2023: $145,167Expenses 2023: $138,585Net Income 2023: $6,5822023Revenue 2024: $150,336Expenses 2024: $165,139Net Income 2024: -$14,8032024

Highlighted filing

2024

Revenue$150,336
Expenses$165,139
Net Income-$14,803
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$300,327
Liabilities
$302,591
Net assets
-$2,264
Revenue
$150,336
Expenses
$165,139
Net income
-$14,803
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.00$3.03$0.02$1.50$1.65$0.15
2023Detailed filing. Detailed filing data is available for this year.$3.26$3.13$0.13$1.45$1.39$0.07
2022Detailed filing. Detailed filing data is available for this year.$3.19$3.13$0.06$1.27$1.30$0.03
2021Detailed filing. Detailed filing data is available for this year.$3.35$3.25$0.09$1.30$1.44$0.15
2020Detailed filing. Detailed filing data is available for this year.$3.62$3.38$0.24$1.26$1.31$0.04
2019Detailed filing. Detailed filing data is available for this year.$3.76$3.47$0.28$1.25$1.18$0.07
2018Detailed filing. Detailed filing data is available for this year.$3.74$3.53$0.21$1.24$1.12$0.11
2017Detailed filing. Detailed filing data is available for this year.$2.70$2.60$0.10$1.11$0.99$0.12
2016Detailed filing. Detailed filing data is available for this year.$1.67$1.69$0.02$1.08$1.23$0.14
2014Summary only. Only limited summary data is available for this year.$2.04$1.02$1.03$1.36$0.33
2013Detailed filing. Detailed filing data is available for this year.$2.88$1.53$1.35$0.96$1.23$0.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.04$1.42$1.62$1.03$0.95$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.00$1.46$1.54$1.02$0.94$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.0
Gross Receipts
$150,336
Mission and Program Overview

Mission

LOW INCOME HOUSING

Provide low income housing

Program Services

DescriptionGrantsExpenses
PROVIDED 26 APARTMENTS TO LOW INCOME CITIZENS-$165,139
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
DOUG KLEINPresident-$0--
LEANN KOTTWITZSecretary-$0--
DEBBIE SCHEELTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Whispering Oaks Estates Inc
EIN
43-1096026
Phone
5736901169
Address
PO BOX 356, BLAND, MO 65014

Signing Officer

Name
Debbie Scheel
Title
Treasurer
Phone
5736901169
Signed
2025-11-06
Discuss with paid preparer
Yes

Preparer

Firm
Chastity a Menz CPA LLC
Address
311 N 1ST ST, OWENSVILLE, MO 65066
Preparer
Chastity a Menz
Phone
5734374283
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

“Misc income 130 total 130”

Form 990-ez, Part I, Line 16

“Expenses office 130 total 130”

Form 990-ez, Part I, Line 20

“Book / tax depreciation difference -268”

Form 990-ez, Part II, Line 24

“0 0 less accumulated depreciation 0 0 prepaid insurance 25,671 27,942 total 25,671 27,942”

Form 990-ez, Part II, Line 26

“Unsecured notes and loans payable 295,603 283,191 payroll liabilities 0 1,116 tenant security deposits 17,812 18,284”

Raw XML Appendix111 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/PersonNm0DEBBIE SCHEEL
IRS990EZ/BooksInCareOfDetail/PhoneNum05736901169
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 356
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BLAND
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd065014
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt052060
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt047990
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-14803
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt03078
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0325954
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0300327
IRS990EZ/GrossReceiptsAmt0150336
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt0109
IRS990EZ/LandAndBuildingsGrp/BOYAmt0248223
IRS990EZ/LandAndBuildingsGrp/EOYAmt0224395
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt012539
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-2264
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt012539
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-2264
IRS990EZ/OccupancyRentUtltsAndMaintAmt0147679
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0DOUG KLEIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1LEANN KOTTWITZ
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2DEBBIE SCHEEL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt025671
IRS990EZ/OtherAssetsTotalDetail/EOYAmt027942
IRS990EZ/OtherExpensesTotalAmt0130
IRS990EZ/OtherRevenueTotalAmt0130
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0PROVIDE LOW INCOME HOUSING
IRS990EZ/ProgramServiceRevenueAmt0150097
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROVIDED 26 APARTMENTS TO LOW INCOME CITIZENS
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0165139
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt014252
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialConditionDesc0WHI8S
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0313415
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0302591
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0165139
IRS990EZ/TotalProgramServiceExpensesAmt0165139
IRS990EZ/TotalRevenueAmt0150336
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MISC INCOME 130 TOTAL 130
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES OFFICE 130 TOTAL 130
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOOK / TAX DEPRECIATION DIFFERENCE -268
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt30 0 LESS ACCUMULATED DEPRECIATION 0 0 PREPAID INSURANCE 25,671 27,942 TOTAL 25,671 27,942
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UNSECURED NOTES AND LOANS PAYABLE 295,603 283,191 PAYROLL LIABILITIES 0 1,116 TENANT SECURITY DEPOSITS 17,812 18,284
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBBIE SCHEEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum05736901169
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WHISPERING OAKS ESTATES INC
ReturnHeader/Filer/BusinessNameControlTxt0WHIS
ReturnHeader/Filer/EIN0431096026
ReturnHeader/Filer/PhoneNum05736901169
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 356
ReturnHeader/Filer/USAddress/CityNm0BLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd065014
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0475302327
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CHASTITY A MENZ CPA LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0311 N 1ST ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OWENSVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd065066
ReturnHeader/PreparerPersonGrp/PhoneNum05734374283
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHASTITY A MENZ
ReturnHeader/ReturnTs02025-11-13T10:21:30-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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