Civic Intelligence

Firmkeys Inc.

EIN 47-2584731 • 501(c)3 • Key West, FL

Pub. 78 Eligible990-N Coverage

Profile

The specific nature of business is exclusively for education, outreach, research and charitable purposes. The mission is to inform and educate residents on flood and/or wind hurricane mitigation measures insurance related issues. To support and undertake research, scientific studies and data collection regarding flood and/or wind hurricane risk, storm effects. Assist residents, businesses and government with mitigation funding and grant opportunities.

1200 Fourth St Pmb 850Key West, FL 33040

n/A

Siviq Scores

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

Liabilities / Assets

64th percentile

0.01x

Higher debt load relative to assets than 64% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

69th percentile

0.01x

Higher debt load relative to revenue than 69% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

77th percentile

24%

Higher net margin than 77% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

69th percentile

11%

Faster asset growth than 69% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Revenue Growth

48th percentile

-2.9%

Faster revenue growth than 48% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$143,571

Up $18,391 (+15%) from 2023

Liabilities

$775

No earlier filing loaded for comparison.

Net Assets

Up

$142,796

Up $17,616 (+14%) from 2023

Operations
Liabilities / Revenue69th percentileNet Margin77th percentile

Revenue

Up

$74,336

Up $10,952 (+17%) from 2023

Expenses

Up

$56,720

Up $2,627 (+4.9%) from 2023

Net Income

Up

$17,616

Up $8,325 (+90%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

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

$150K$100K$50K$0-$50K-$100KAssets 2016: $26,840Liabilities 2016: $0Net Assets 2016: $26,8402016Assets 2017: $26,220Liabilities 2017: $0Net Assets 2017: $26,2202017Assets 2018: $22,979Liabilities 2018: $0Net Assets 2018: $22,9792018Assets 2019: $10,898Liabilities 2019: $33,750Net Assets 2019: -$22,8522019Assets 2020: $11,627Liabilities 2020: $67,500Net Assets 2020: -$55,8732020Assets 2021: $93,309Liabilities 2021: $3,750Net Assets 2021: $89,5592021Assets 2022: $115,889Net Assets 2022: $115,8892022Assets 2023: $125,180Net Assets 2023: $125,1802023Assets 2024: $143,571Liabilities 2024: $775Net Assets 2024: $142,7962024

Highlighted filing

2024

Assets$143,571
Liabilities$775
Net Assets$142,796
Open 2024 Filing

Operations Trend

Revenue Growth48th percentile

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

$200K$100K$0-$100KRevenue 2016: $24,322Expenses 2016: $5,562Net Income 2016: $18,7602016Revenue 2017: $17,674Expenses 2017: $18,294Net Income 2017: -$6202017Revenue 2018: $45,042Expenses 2018: $48,283Net Income 2018: -$3,2412018Revenue 2019: $30,206Expenses 2019: $76,037Net Income 2019: -$45,8312019Revenue 2020: $29,916Expenses 2020: $62,937Net Income 2020: -$33,0212020Revenue 2021: $194,517Expenses 2021: $49,085Net Income 2021: $145,4322021Revenue 2022: $78,918Expenses 2022: $52,588Net Income 2022: $26,3302022Revenue 2023: $63,384Expenses 2023: $54,093Net Income 2023: $9,2912023Revenue 2024: $74,336Expenses 2024: $56,720Net Income 2024: $17,6162024

Highlighted filing

2024

Revenue$74,336
Expenses$56,720
Net Income$17,616
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$143,571
Liabilities
$775
Net assets
$142,796
Revenue
$74,336
Expenses
$56,720
Net income
$17,616
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.44$0.01$1.43$0.74$0.57$0.18
2023Detailed filing. Detailed filing data is available for this year.$1.25$1.25$0.63$0.54$0.09
2022Detailed filing. Detailed filing data is available for this year.$1.16$1.16$0.79$0.53$0.26
2021Detailed filing. Detailed filing data is available for this year.$0.93$0.04$0.90$1.95$0.49$1.45
2020Detailed filing. Detailed filing data is available for this year.$0.12$0.68$0.56$0.30$0.63$0.33
2019Detailed filing. Detailed filing data is available for this year.$0.11$0.34$0.23$0.30$0.76$0.46
2018Detailed filing. Detailed filing data is available for this year.$0.23$0.00$0.23$0.45$0.48$0.03
2017Detailed filing. Detailed filing data is available for this year.$0.26$0.00$0.26$0.18$0.18$0.01
2016Detailed filing. Detailed filing data is available for this year.$0.27$0.00$0.27$0.24$0.06$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$74,336
Mission and Program Overview

Mission

The specific nature of business is exclusively for education, outreach, research and charitable purposes. The mission is to inform and educate residents on flood and/or wind hurricane mitigation measures insurance related issues. To support and undertake research, scientific studies and data collection regarding flood and/or wind hurricane risk, storm effects. Assist residents, businesses and government with mitigation funding and grant opportunities.

Program Services

DescriptionGrantsExpenses
To inform and educate residents on flood and/or wind hurricane mitigation measures insurance related issues. To support and undertake research, scientific studies and data collection regarding flood and/or wind hurricane risk, storm effects. Assist residents, businesses and government with mitigation funding and grant opportunities.-$56,720
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MEL MONTAGNEPresident-$0--
JOHN PAUL CASTRODirector-$0--
JOE WALSHVice President-$0--
BOBBY COEDirector-$0--
CHRIS RIVETTDirector-$0--
MARY HOUSTONDirector-$0--
CHRIS MASSICOTTEDirector-$0--
BRYAN HAWKSDirector-$0--
TOM PAKENASDirector-$0--
REBECCA HORANDirector-$0--
CAREN MORELLDirector-$0--
ERICA POOLESecretary-$0--
MICHELE WHITETreasurer-$0--
LINDA CUNNIGHAMDirector-$0--
WAYNE CARTERDirector-$0--
Filing and Contact Details

Filer

Filer Name
Firmkeys Inc
EIN
47-2584731
Phone
3052943540
Address
1200 FOURTH ST PMB 850, KEY WEST, FL 33040

Signing Officer

Name
Mel Montagne
Title
President
Signed
2025-11-17
Discuss with paid preparer
Yes

Preparer

Firm
Oropeza & Parks CPAs
Address
815 Peacock Plz, Key West, FL 33040
Preparer
Scott G Oropeza CPA
Phone
3052941049
Supplemental Narrative

Additional Explanations

Other Expenses.1001

“Advertising and Promotion $151”

Other Expenses.1002

“Office Expenses $2476”

Other Expenses.1003

“Information Technology $3992”

Other Expenses.1005

“Travel $317”

Other Expenses.1007

“Conferences, Conventions, and Meetings $50”

Other Expenses.1012

“Insurance $737”

Other Expenses.1

“Dues and Subscriptions $1074”

Other Expenses.2

“Contract Labor $1000”

Other Expenses.5

“Registration $137”

Other Expenses.6

“Education $45”

Total Liabilities.1001

“Accounts Payable and Accrued Expenses - Beginning $0 Accounts Payable and Accrued Expenses - Ending $775”

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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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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/Filer/EIN0472584731
ReturnHeader/Filer/PhoneNum03052943540
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Key West
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd033040
ReturnHeader/PreparerPersonGrp/PhoneNum03052941049
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Scott G Oropeza CPA
ReturnHeader/ReturnTs02025-11-17T18:49:31-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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