Civic Intelligence

Creo Inc.

990EZ • Fiscal year 2025 • EIN 52-1817535

Jul 01, 2024 to Jun 30, 2025 • Filed on Mar 09, 2026

Organization ProfileN/A
301 N Calvert StreetBaltimore, MD 21202

(410) 727-8590

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2025

Top Officer Pay

82nd percentile

$0

Higher top officer pay than 82% of similar nonprofits.

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

Asset Growth

46th percentile

0.0%

Faster asset growth than 46% of similar nonprofits.

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

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Flat

$139,084

Flat from 2024

Net Assets

Flat

$139,084

Flat from 2024

Liabilities

Flat

$0

Flat from 2024

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

-

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth46th percentile

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

$300K$200K$100K$0Assets 2011: $95,509Liabilities 2011: $0Net Assets 2011: $95,5092011Assets 2012: $220,509Liabilities 2012: $300Net Assets 2012: $220,2092012Assets 2013: $219,909Liabilities 2013: $0Net Assets 2013: $219,9092013Assets 2014: $219,609Liabilities 2014: $0Net Assets 2014: $219,6092014Assets 2015: $213,772Liabilities 2015: $0Net Assets 2015: $213,7722015Assets 2016: $231,672Liabilities 2016: $0Net Assets 2016: $231,6722016Assets 2017: $227,409Liabilities 2017: $0Net Assets 2017: $227,4092017Assets 2018: $139,337Liabilities 2018: $0Net Assets 2018: $139,3372018Assets 2019: $139,688Liabilities 2019: $0Net Assets 2019: $139,6882019Assets 2020: $139,688Liabilities 2020: $0Net Assets 2020: $139,6882020Assets 2021: $139,385Liabilities 2021: $0Net Assets 2021: $139,3852021Assets 2022: $139,385Liabilities 2022: $0Net Assets 2022: $139,3852022Assets 2023: $139,084Liabilities 2023: $0Net Assets 2023: $139,0842023Assets 2024: $139,084Liabilities 2024: $0Net Assets 2024: $139,0842024Assets 2025: $139,084Liabilities 2025: $0Net Assets 2025: $139,0842025

Highlighted filing

2025

Assets$139,084
Liabilities$0
Net Assets$139,084
Open 2025 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$200K$100K$0-$100KExpenses 2011: $34,7472011Revenue 2012: $125,000Expenses 2012: $300Net Income 2012: $124,7002012Revenue 2013: $0Expenses 2013: $300Net Income 2013: -$3002013Revenue 2014: $0Expenses 2014: $300Net Income 2014: -$3002014Revenue 2015: $0Expenses 2015: $5,837Net Income 2015: -$5,8372015Revenue 2016: $18,564Expenses 2016: $664Net Income 2016: $17,9002016Revenue 2017: $0Expenses 2017: $4,263Net Income 2017: -$4,2632017Revenue 2018: $20,987Expenses 2018: $109,059Net Income 2018: -$88,0722018Revenue 2019: $654Expenses 2019: $303Net Income 2019: $3512019Revenue 2020: $0Expenses 2020: $0Net Income 2020: $02020Expenses 2021: $3032021Expenses 2023: $3012023

Latest loaded filing

2023

Revenue-
Expenses$301
Net Income-
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Mar 9, 2026
Return Version
2024v5.5
Gross Receipts
$0
Mission and Program Overview

Mission

To hold title to real property securing defaulted loans made by bcl, which is prohibited from taking title to real property, by foreclosing upon or taking deeds in lieu of foreclosure upon the subject property. Creo's function is to liquidate the properties for the maximum benefit of bcl.

Program Services

DescriptionGrantsExpenses
NONE$0$0
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JEFFREY WILKEBoard Member-$0--
ANTONY GROSSBoard Member-$0--
MICHAEL TAGGBoard Member-$0--
SEAN RUSSELLBoard Member-$0--
WATCHEN HARRIS BRUCEPresident & CEO-$0--
SUSAN KELLYSecretary-$0--
Filing and Contact Details

Filer

Filer Name
Creo Inc
EIN
52-1817535
Phone
4107278590
Address
301 N CALVERT STREET, BALTIMORE, MD 21202

Signing Officer

Name
Watchen Harris Bruce
Title
President & CEO
Phone
4107278590
Signed
2026-03-09
Discuss with paid preparer
Yes

Preparer

Firm
Sb & Company LLC
Address
10200 GRAND CENTRAL AVE SUITE 250, OWINGS MILLS, MD 21117
Preparer
Monique Booker
Phone
4105840060
Supplemental Narrative

Additional Explanations

Form 990-ez, Part II, Line 24 - Other Assets

“Description: other assets. Beg. Of year amount: 952. End of year amount: 952.”

Raw XML Appendix157 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
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IRS990EZ/AddressChangeInd0X
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SUSAN KELLY
IRS990EZ/BooksInCareOfDetail/PhoneNum04107278590
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0301 N CALVERT STREET
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BALTIMORE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MD
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd021202
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0138132
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0138132
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
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IRS990EZ/Form990TotalAssetsGrp/EOYAmt0139084
IRS990EZ/GrossReceiptsAmt00
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0139084
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0139084
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0139084
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0139084
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt04.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt14.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt24.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt34.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt44.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt54.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JEFFREY WILKE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1ANTONY GROSS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2MICHAEL TAGG
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3SEAN RUSSELL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4WATCHEN HARRIS BRUCE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5SUSAN KELLY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4PRESIDENT & CEO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5SECRETARY
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0952
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0952
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO HOLD TITLE TO REAL PROPERTY SECURING DEFAULTED LOANS MADE BY BCL, WHICH IS PROHIBITED FROM TAKING TITLE TO REAL PROPERTY, BY FORECLOSING UPON OR TAKING DEEDS IN LIEU OF FORECLOSURE UPON THE SUBJECT PROPERTY. CREO'S FUNCTION IS TO LIQUIDATE THE PROPERTIES FOR THE MAXIMUM BENEFIT OF BCL.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0NONE
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MD
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/Form990SchASupportingOrgGrp/Contribution35ControlledInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionControllerInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionFamilyInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ControlledDisqualifiedPrsnInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnControllIntInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnOwnrIntInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ExcessBusinessHoldingsRulesInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/ListedByNameGoverningDocInd01
IRS990ScheduleA/Form990SchASupportingOrgGrp/LoanDisqualifiedPersonInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/OrganizationChangeSuprtOrgInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/PaymentSubstantialContribtrInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgNotOrganizedUSInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgSectionC456Ind00
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportNonSupportedOrgInd00
IRS990ScheduleA/Form990SchASupportingOrgGrp/SuprtOrgNoIRSDeterminationInd00
IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/OperateBenefitNonSuprtOrgInd00
IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/PowerAppointMajorityDirTrstInd01
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/SupportedOrganizationsCnt01
IRS990ScheduleA/SupportedOrganizationsTotalCnt01
IRS990ScheduleA/SupportedOrgInformationGrp/EIN0521632468
IRS990ScheduleA/SupportedOrgInformationGrp/GoverningDocumentListedInd01
IRS990ScheduleA/SupportedOrgInformationGrp/OrganizationTypeCd07
IRS990ScheduleA/SupportedOrgInformationGrp/OtherSupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt0BALTIMORE COMMUNITY LENDING INC
IRS990ScheduleA/SupportingOrganization509a3Ind0X
IRS990ScheduleA/SupportingOrgType1Ind0X
IRS990ScheduleA/SupportSumAmt00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: OTHER ASSETS. BEG. OF YEAR AMOUNT: 952. END OF YEAR AMOUNT: 952.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0WATCHEN HARRIS BRUCE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04107278590
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREO INC
ReturnHeader/Filer/BusinessNameControlTxt0CREO
ReturnHeader/Filer/EIN0521817535
ReturnHeader/Filer/PhoneNum04107278590
ReturnHeader/Filer/USAddress/AddressLine1Txt0301 N CALVERT STREET
ReturnHeader/Filer/USAddress/CityNm0BALTIMORE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021202
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202153727
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SB & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010200 GRAND CENTRAL AVE SUITE 250
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OWINGS MILLS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021117
ReturnHeader/PreparerPersonGrp/PhoneNum04105840060
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MONIQUE BOOKER
ReturnHeader/ReturnTs02026-03-09T16:49:47-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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
$139,084
Liabilities
$0
Net assets
$139,084
Revenue
-
Expenses
-
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39
2024Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39
2023Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39$0.00
2022Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39
2021Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.40$0.00$1.40$0.00$0.00$0.00
2019Detailed filing. Detailed filing data is available for this year.$1.40$0.00$1.40$0.01$0.00$0.00
2018Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39$0.21$1.09$0.88
2017Detailed filing. Detailed filing data is available for this year.$2.27$0.00$2.27$0.00$0.04$0.04
2016Detailed filing. Detailed filing data is available for this year.$2.32$0.00$2.32$0.19$0.01$0.18
2015Detailed filing. Detailed filing data is available for this year.$2.14$0.00$2.14$0.00$0.06$0.06
2014Detailed filing. Detailed filing data is available for this year.$2.20$0.00$2.20$0.00$0.00$0.00
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.20$0.00$2.20$0.00$0.00$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.21$0.00$2.20$1.25$0.00$1.25
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.96$0.00$0.96$0.35