Civic Intelligence

Urban Village Montessori Inc DBA Marigold Montessori

EIN 47-1721718 • 501(c)3 • Haverhil, MA

Profile

Urban Village Montessori seeks to strengthen the community by providing Montessori education for children and families who are reflective of the City of Haverhill's rich diversity.

26 White StreetHaverhil, MA 01830

www.marigoldmontessori.org

Siviq Scores

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

Liabilities / Assets

81st percentile

0.14x

Higher debt load relative to assets than 81% of similar nonprofits.

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

Liabilities / Revenue

83rd percentile

0.11x

Higher debt load relative to revenue than 83% of similar nonprofits.

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

Net Margin

31st percentile

-9.5%

Higher net margin than 31% of similar nonprofits.

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

Top Officer Pay

98th percentile

$94,419

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 19.3% of source-year revenue.

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

Asset Growth

38th percentile

-12%

Faster asset growth than 38% of similar nonprofits.

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

Revenue Growth

39th percentile

-14%

Faster revenue growth than 39% of similar nonprofits.

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

Assets

Down

$363,076

Down $47,798 (-12%) from 2024

Liabilities

Down

$52,505

Down $1,054 (-2.0%) from 2024

Net Assets

Down

$310,571

Down $46,744 (-13%) from 2024

Revenue

Down

$489,946

Down $78,311 (-14%) from 2024

Expenses

Up

$536,690

Up $34,056 (+6.8%) from 2024

Net Income

Down

-$46,744

Down $112,367 (-171%) from 2024

Trend Graphs

Balance Sheet Trend

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

$600K$400K$200K$0Assets 2015: $18,644Liabilities 2015: $10,1502015Assets 2016: $85,558Liabilities 2016: $8,680Net Assets 2016: $76,8782016Assets 2017: $83,360Liabilities 2017: $10,513Net Assets 2017: $72,8472017Assets 2018: $143,652Liabilities 2018: $26,873Net Assets 2018: $116,7792018Assets 2019: $166,757Liabilities 2019: $18,384Net Assets 2019: $148,3732019Assets 2020: $172,030Liabilities 2020: $65,007Net Assets 2020: $107,0232020Assets 2021: $229,270Liabilities 2021: $70,971Net Assets 2021: $158,2992021Assets 2022: $298,424Liabilities 2022: $42,443Net Assets 2022: $255,9812022Assets 2023: $319,605Liabilities 2023: $27,913Net Assets 2023: $291,6922023Assets 2024: $410,874Liabilities 2024: $53,559Net Assets 2024: $357,3152024Assets 2025: $363,076Liabilities 2025: $52,505Net Assets 2025: $310,5712025

Highlighted filing

2025

Assets$363,076
Liabilities$52,505
Net Assets$310,571

Operations Trend

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

$600K$400K$200K$0-$200KRevenue 2015: $33,481Expenses 2015: $24,987Net Income 2015: $8,4942015Revenue 2016: $175,638Expenses 2016: $107,139Net Income 2016: $68,4992016Revenue 2017: $178,344Expenses 2017: $182,375Net Income 2017: -$4,0312017Revenue 2018: $261,772Expenses 2018: $217,840Net Income 2018: $43,9322018Revenue 2019: $328,814Expenses 2019: $299,841Net Income 2019: $28,9732019Revenue 2020: $279,672Expenses 2020: $321,022Net Income 2020: -$41,3502020Revenue 2021: $366,049Expenses 2021: $314,773Net Income 2021: $51,2762021Revenue 2022: $496,034Expenses 2022: $398,352Net Income 2022: $97,6822022Revenue 2023: $470,189Expenses 2023: $434,478Net Income 2023: $35,7112023Revenue 2024: $568,257Expenses 2024: $502,634Net Income 2024: $65,6232024Revenue 2025: $489,946Expenses 2025: $536,690Net Income 2025: -$46,7442025

Highlighted filing

2025

Revenue$489,946
Expenses$536,690
Net Income-$46,744

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Sep 19, 2025
Return Version
2024v5.2
Gross Receipts
$489,946
Mission and Program Overview

Mission

Urban Village Montessori seeks to strengthen the community by providing Montessori education for children and families who are reflective of Haverhill's rich diversity.

Urban Village Montessori, Inc. operates the Marigold Montessori Pre-School in Haverhill, Massachusetts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$206,247$216,269▲ $10,022
Land, Buildings, and Equipment, Net$76,456$67,825▼ $8,631
Cash and Non-Interest-Bearing Accounts$82,148$60,832▼ $21,316
Accounts Receivable$44,484$13,612▼ $30,872
Prepaid Expenses and Deferred Charges$1,539$4,538▲ $2,999
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$410,874$363,076▼ $47,798
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$17,995$28,760▲ $10,765
Grants Payable$31,411$18,326▼ $13,085
Deferred Revenue$4,153$5,419▲ $1,266
Total Liabilities$53,559$52,505▼ $1,054
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$300,753$279,629▼ $21,124
Net Assets With Donor Restrictions$56,562$30,942▼ $25,620
Total Net Assets Fund Balance$357,315$310,571▼ $46,744
Total Liabilities and Net Assets / Fund Balance$410,874$363,076▼ $47,798

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$65,676$36,008$101,684
Other Land Buildings$2,149$62,198$64,347
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Maria LabancaVice PresidentFT$94,419$94,419
Janet BeginPresidentFT$91,069$91,069

Board Members and Trustees

NameTitle
Lymichelle Rivera-NegronTrustee
Hannah BessetteSecretary
David ByrneTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$168,561
Program Service Revenue
$311,334
Investment Income
$10,051
Other Revenue
$0
All Other Contributions
$14,446
Change in Net Assets
$-46,744

Audited Revenue Reconciliation

Revenue per Audited Statements
$489,946
Total Revenue per Audited Statements
$489,946
Total Revenue per Form 990
$489,946
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$431,853
Other Expenses$104,837
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$218,522--$218,522
Current Officers, Directors, Trustees, and Key Employees$177,808--$177,808
Payroll Taxes$34,023--$34,023
Occupancy$22,200--$22,200
Fees for Services Management-$14,106-$14,106
Fees for Services Other$10,979--$10,979
Fees for Services Accounting-$9,215-$9,215
Depreciation Depletion$6,606$2,025-$8,631
Insurance-$4,780-$4,780
Office Expenses-$2,404-$2,404
Advertising-$1,644-$1,644
Other Employee Benefits$1,500--$1,500
Other Expenses$6,791$566-$566
Information Technology-$12-$12
Total Functional Expenses$501,938$34,752$0$536,690

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$536,690
Total Expenses per Audited Statements$536,690
Total Expenses per Form 990$536,690
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 8B

Urban Village Montessori is a small organization and there are no Board committees. The Board functions as a committee of the whole and minutes are maintained.

Form 990, Part VI, Section B, Line 11B

Copies of the Form 990 and its schedules are distributed to the Board members and discussed at a meeting, along with the CPA's annual prepared financial statements.

Form 990, Part VI, Section B, Line 12C

The Conflict of Interest policy is reviewed annually with the Board. Board members routinely recuse themselves from votes where a conflict or the appearance of a conflict may be present.

Form 990, Part VI, Section B, Line 15B

Urban Village Montessori is a member of the Wildflower Foundation, which maintains data on salaries, bonuses and other compensation for comparative purposes. Additionally, the School periodically obtains local data on compensation at similar schools. This data, some of which is heuristic, informs decisions on compensation. There are no key employees who are not board members. Independent board members are not compensated.

Form 990, Part VI, Section C, Line 18

Policies, procedures, by-laws, and Board minutes are available upon request to Janet Begin, Board President, 26 White Street, Haverhill, MA 01830.

Form 990, Part VI, Section C, Line 19

No documents available to the public.

Filing and Contact Details

Filer

Filer Name
Urban Village Montessori Inc
EIN
47-1721718
Phone
9783610793
Address
26 White Street, Haverhil, MA 01830

Signing Officer

Name
Janet Begin
Title
President
Signed
2025-09-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Janet Begin
Formed
2014
Legal Domicile
Ma
Voting Board Members
5
Independent Board Members
3
Employees
17
Volunteers
10

Preparer

Firm
Steven Divirgilio CPA Corp
Address
316 MAIN ST, EVERETT, MA 02149
Preparer
Steven DiVirgilio CPA
Phone
6172402905
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IRS990ScheduleE/DiscriminateRaceAdmissPlcyInd0false
IRS990ScheduleE/DiscriminateRaceAthltProgInd0false
IRS990ScheduleE/DiscriminateRaceEducPlcyInd0false
IRS990ScheduleE/DiscriminateRaceEmplmFcultyInd0false
IRS990ScheduleE/DiscriminateRaceOtherActyInd0false
IRS990ScheduleE/DiscriminateRaceSchsInd0false
IRS990ScheduleE/DiscriminateRaceStdntsRghtsInd0false
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IRS990ScheduleE/GovernmentFinancialAidRcvdInd0true
IRS990ScheduleE/GovernmentFinancialAidRvkdInd0false
IRS990ScheduleE/MaintainCpyOfAllSolInd0true
IRS990ScheduleE/MaintainCpyOfBrochuresEtcInd0true
IRS990ScheduleE/MaintainRacialCompRecsInd0true
IRS990ScheduleE/MaintainScholarshipsRecsInd0true
IRS990ScheduleE/NondiscriminatoryPolicyStmtInd0true
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IRS990ScheduleE/SupplementalInformationDetail/ExplanationTxt0The School publishes annually in a community newspaper, highlighting its inclusive, non-discriminatory policies.
IRS990ScheduleE/SupplementalInformationDetail/ExplanationTxt1The School regularly receives tuition support through the voucher program run by the Commonwealth of Massachusetts. Additionally, the School receives grants through state and local government agencies, but no Federal agency. The School's right to such support or use of the funds has never been questioned.
IRS990ScheduleE/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule E, Line 3 - Racially Nondiscriminatory Policy Publicized
IRS990ScheduleE/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule E, Line 4 - Explanation of Records and Materials Not Maintained
IRS990ScheduleE/SupplementalInformationDetail/FormAndLineReferenceDesc2Schedule E, Line 5 - Explanation of Organization Discrimination by Race
IRS990ScheduleE/SupplementalInformationDetail/FormAndLineReferenceDesc3Schedule E, Line 6 - Explanation of Aid or Assistance from Governmental Agency
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Urban Village Montessori is a small organization and there are no Board committees. The Board functions as a committee of the whole and minutes are maintained.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Copies of the Form 990 and its schedules are distributed to the Board members and discussed at a meeting, along with the CPA's annual prepared financial statements.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Conflict of Interest policy is reviewed annually with the Board. Board members routinely recuse themselves from votes where a conflict or the appearance of a conflict may be present.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Urban Village Montessori is a member of the Wildflower Foundation, which maintains data on salaries, bonuses and other compensation for comparative purposes. Additionally, the School periodically obtains local data on compensation at similar schools. This data, some of which is heuristic, informs decisions on compensation. There are no key employees who are not board members. Independent board members are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Policies, procedures, by-laws, and Board minutes are available upon request to Janet Begin, Board President, 26 White Street, Haverhill, MA 01830.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0Support of Wildflower Schools
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0Public Charity
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt05500 Nicollet Ave 19590
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0Minneapolis
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IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0Cash donation
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1Management fee
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0Wildflower Foundation
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1Wildflower Foundation
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