Civic Intelligence

Consolidated Credit Solutions Inc

EIN 59-2261789 • 501(c)3 • Fort Lauderdale, FL

Profile

To assist individuals who are experiencing financial difficulties through professional counseling and financial education.

5701 W Sunrise Blvd 100Fort Lauderdale, FL 33313

www.consolidatedcreditsolutions.org

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.95x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

54th percentile

0.26x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

35th percentile

-0.3%

Higher net margin than 35% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

85th percentile

$373,358

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Asset Growth

43rd percentile

2.5%

Faster asset growth than 43% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

57th percentile

11%

Faster revenue growth than 57% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$6,045,783

Up $146,760 (+2.5%) from 2024

Liabilities

Up

$5,727,385

Up $205,917 (+3.7%) from 2024

Net Assets

Down

$318,398

Down $59,157 (-16%) from 2024

Operations
Liabilities / Revenue54th percentileNet Margin35th percentile

Revenue

Up

$22,174,919

Up $2,125,349 (+11%) from 2024

Expenses

Up

$22,234,076

Up $2,213,821 (+11%) from 2024

Net Income

Down

-$59,157

Down $88,472 (-302%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth43rd percentile

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

$15M$10M$5.0M$0Assets 2013: $103,920Liabilities 2013: $59,975Net Assets 2013: $43,9452013Assets 2014: $577,319Liabilities 2014: $526,386Net Assets 2014: $50,9332014Assets 2015: $3,293,113Liabilities 2015: $3,203,682Net Assets 2015: $89,4312015Assets 2016: $5,926,671Liabilities 2016: $5,763,369Net Assets 2016: $163,3022016Assets 2017: $6,780,561Liabilities 2017: $6,575,992Net Assets 2017: $204,5692017Assets 2018: $9,280,197Liabilities 2018: $9,036,386Net Assets 2018: $243,8112018Assets 2019: $9,852,409Liabilities 2019: $9,583,481Net Assets 2019: $268,9282019Assets 2020: $10,364,866Liabilities 2020: $10,111,989Net Assets 2020: $252,8772020Assets 2021: $9,605,673Liabilities 2021: $9,399,278Net Assets 2021: $206,3952021Assets 2022: $8,529,221Liabilities 2022: $8,194,031Net Assets 2022: $335,1902022Assets 2023: $6,614,644Liabilities 2023: $6,266,404Net Assets 2023: $348,2402023Assets 2024: $5,899,023Liabilities 2024: $5,521,468Net Assets 2024: $377,5552024Assets 2025: $6,045,783Liabilities 2025: $5,727,385Net Assets 2025: $318,3982025

Highlighted filing

2025

Assets$6,045,783
Liabilities$5,727,385
Net Assets$318,398
Open 2025 Filing

Operations Trend

Revenue Growth57th percentile

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

$40M$30M$20M$10M$0-$10MRevenue 2013: $231,289Expenses 2013: $210,992Net Income 2013: $20,2972013Revenue 2014: $596,407Expenses 2014: $589,419Net Income 2014: $6,9882014Revenue 2015: $6,955,129Expenses 2015: $6,916,631Net Income 2015: $38,4982015Revenue 2016: $13,936,134Expenses 2016: $13,862,263Net Income 2016: $73,8712016Revenue 2017: $18,437,238Expenses 2017: $18,395,971Net Income 2017: $41,2672017Revenue 2018: $22,975,999Expenses 2018: $22,936,757Net Income 2018: $39,2422018Revenue 2019: $28,726,151Expenses 2019: $28,701,035Net Income 2019: $25,1162019Revenue 2020: $31,125,746Expenses 2020: $31,141,796Net Income 2020: -$16,0502020Revenue 2021: $27,835,136Expenses 2021: $27,881,618Net Income 2021: -$46,4822021Revenue 2022: $25,542,435Expenses 2022: $25,413,640Net Income 2022: $128,7952022Revenue 2023: $19,512,620Expenses 2023: $19,499,569Net Income 2023: $13,0512023Revenue 2024: $20,049,570Expenses 2024: $20,020,255Net Income 2024: $29,3152024Revenue 2025: $22,174,919Expenses 2025: $22,234,076Net Income 2025: -$59,1572025

Highlighted filing

2025

Revenue$22,174,919
Expenses$22,234,076
Net Income-$59,157
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,045,783
Liabilities
$5,727,385
Net assets
$318,398
Revenue
$22,174,919
Expenses
$22,234,076
Net income
-$59,157
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.05$5.73$0.32$22.2$22.2$0.06
2024Summary only. Only limited summary data is available for this year.$5.90$5.52$0.38$20.0$20.0$0.03
2023Summary only. Only limited summary data is available for this year.$6.61$6.27$0.35$19.5$19.5$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.53$8.19$0.34$25.5$25.4$0.13
2021Summary only. Only limited summary data is available for this year.$9.61$9.40$0.21$27.8$27.9$0.05
2020Summary only. Only limited summary data is available for this year.$10.4$10.1$0.25$31.1$31.1$0.02
2019Summary only. Only limited summary data is available for this year.$9.85$9.58$0.27$28.7$28.7$0.03
2018Summary only. Only limited summary data is available for this year.$9.28$9.04$0.24$23.0$22.9$0.04
2017Summary only. Only limited summary data is available for this year.$6.78$6.58$0.20$18.4$18.4$0.04
2016Summary only. Only limited summary data is available for this year.$5.93$5.76$0.16$13.9$13.9$0.07
2015Summary only. Only limited summary data is available for this year.$3.29$3.20$0.09$6.96$6.92$0.04
2014Summary only. Only limited summary data is available for this year.$0.58$0.53$0.05$0.60$0.59$0.01
2013Summary only. Only limited summary data is available for this year.$0.10$0.06$0.04$0.23$0.21$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Feb 1, 2024 to Jan 31, 2025
Signed
Dec 11, 2025
Return Version
2024v5.2
Gross Receipts
$22,174,919
Mission and Program Overview

Mission

To assist individuals who are experiencing financial difficulties through professional counseling and financial education.

See related footnote on schedule o

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$1,961,416$2,141,947▲ $180,531
Cash and Non-Interest-Bearing Accounts$1,326,397$1,019,817▼ $306,580
Land, Buildings, and Equipment, Net$177,591$162,380▼ $15,211
Accounts Receivable$132,542$69,925▼ $62,617
Total Assets$5,899,023$6,045,783▲ $146,760
Other Assets Total$2,301,077$2,651,714▲ $350,637
Liabilities
Accounts Payable and Accrued Expenses$3,231,412$3,084,527▼ $146,885
Escrow Account Liability$2,290,056$2,642,858▲ $352,802
Total Liabilities$5,521,468$5,727,385▲ $205,917
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$377,555$318,398▼ $59,157
Total Net Assets Fund Balance$377,555$318,398▼ $59,157
Total Liabilities and Net Assets / Fund Balance$5,899,023$6,045,783▲ $146,760

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$162,380$65,714$228,094
Other Assets Org$8,856--
Other Securities$2,141,947--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary HermanOfficerFT$331,177$42,181$373,358
Ivan RezvoyOfficerFT$170,692$1,308$172,000
Romeo LibreaOfficerFT$151,987$12,331$164,318
Kerryll MalcolmEmployeeFT$156,055$4,541$160,596
Alan NewmanEmployeeFT$154,393$3,238$157,631
John CrosbieEmployeeFT$132,350$4,070$136,420
April St Michael IrelandEmployeeFT$125,018$1,959$126,977
Samuel Andres CastroEmployeeFT$119,149$3,706$122,855
Evan LasherOfficerFT$41,338$846$42,184

Board Members and Trustees

NameTitle
Jeffrey NeedleDirector
Mercedes PerezDirector
Morey GoldbergDirector
Steven FischerDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
See Statement 1See Statement 1SEE STATEMENT 1, See Statement, FL 33313$1
Revenue and Support

Revenue Composition

Contributions and Grants
$2,921,578
Program Service Revenue
$18,964,455
Investment Income
$50,922
Other Revenue
$237,964
All Other Contributions
$2,921,578
Change in Net Assets
$-59,157

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,174,919
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$1
Total Revenue per Audited Statements
$22,174,920
Total Revenue per Form 990
$22,174,919
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,269,898
Salaries, Compensation, and Employee Benefits$6,922,418
Grants and Similar Amounts Paid$41,760
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$4,547,493$505,277-$5,052,770
Advertising$3,689,383--$3,689,383
Occupancy$1,516,136$168,460-$1,684,596
Fees for Services Other-$1,383,728-$1,383,728
Information Technology$743,276$82,586-$825,862
Current Officers, Directors, Trustees, and Key Employees$642,476$71,386-$713,862
Other Employee Benefits$475,898$52,878-$528,776
Payroll Taxes$450,364$50,040-$500,404
All Other Expenses$461,603$33,212-$494,815
Office Expenses$275,332$30,593-$305,925
Other Expenses$187,322$20,814-$208,136
Pension Plan Contributions$113,945$12,661-$126,606
Grants to Domestic Orgs$41,760--$41,760
Fees for Services Accounting-$38,965-$38,965
Travel$26,621$2,958-$29,579
Fees for Services Legal-$19,100-$19,100
Depreciation Depletion$13,685$1,521-$15,206
Total Functional Expenses$19,666,182$2,567,894$0$22,234,076

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$22,234,077
Expenses per Audited Statements$22,234,076
Total Expenses per Form 990$22,234,076
Expenses Not Reported on Form 990$1
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Junior AchievementCoconut Creek, FL501(c)3General Support of Organization.$39,000
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
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 B, Line 11B

“The board of directors review the form 990 and forward their questions/comments to the appropriate officer. The officer discusses said questions/comments before signing the return.”

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

“New conflict of interest forms are required to be completed each year.”

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

“The compensation process is based on policy and salary reviews subject to board approval.”

Form 990, Part VI, Section C, Line 18

“The organization makes form 990 available to the public upon request.”

Form 990, Part VI, Section C, Line 19

“The organization makes information available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Consolidated Credit Solutions Inc
EIN
59-2261789
Phone
9543779635
Address
5701 W SUNRISE BLVD 100, FORT LAUDERDALE, FL 33313

Signing Officer

Name
Ivan Rezvoy
Title
CFO
Phone
9543779635
Signed
2025-12-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ivan Rezvoy
Formed
1983
Legal Domicile
Fl
Voting Board Members
4
Independent Board Members
4
Employees
146
Volunteers
0

Preparer

Firm
Thomas Vastardis CPA
Address
30 FRENEAU AVENUE BLDG B UNIT 2D, MATAWAN, NJ 07747
Preparer
Thomas Vastardis
Phone
7322381908
Supplemental Narrative

Additional Explanations

Form 990, Part I Line 1 and Part III Line 1

“To assist individuals who are experiencing financial difficulties trough professional financial counseling and education.”

Financial Statement Notes

PART IV, LINE 2B:

“Custodial arrangement represents funds collected from clients, which in turn are used to pay a clients's obligations to their creditors.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“ROUNDING 1.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“ROUNDING 1.”

Raw XML AppendixShowing 400 of 630 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.

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IRS990/Desc0CONSOLIDATED CREDIT SOLUTIONS OFFERS LOSS MITIGATION AND FORECLOSURE PREVENTION COUNSELING, 1ST TIME HOMEBUYER EDUCATION, A SUBSTANTIAL FINANCIAL LITERACY PROGRAM, CREDIT COUNSELING, AND REVERSE MORTGAGE COUNSELING. CONSOLIDATED CREDIT SOLUTIONS IS COMMITTED TO BRINGING FINANCIAL EDUCATION PROGRAMS TO INDIVIDUALS AND FAMILIES WITH A FOCUS ON HOUSEHOLDS IN LOW, LOW-TO-MODERATE AND MODERATE INCOME CENSUS TRACKS. TO ACCOMPLISH THIS, CONSOLIDATED CREDIT SOLUTIONS PROVIDES FREE, MONTHLY COMMUNITY SEMINARS AND WEBINARS ON TOPICS INCLUDING BUDGETING, CREDIT MANAGEMENT, PRE-PURCHASE COUNSELING, FORECLOSURE PREVENTION, AND REVERSE MORTGAGES.SEE ATTACHED STATEMENT OF PROGRAM SERVICE ACCOMPLISHMENTS.
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