Civic Intelligence

Creditguard of America Inc

EIN 65-0273573 • 501(c)3 • Fort Lauderdale, FL

View Organization Page

Profile

Credit counseling and debt management along with free financial education to consumers

2755 NW 63rd CourtFort Lauderdale, FL 33309

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

62nd percentile

0.00x

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

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

Net Margin

82nd percentile

31%

Higher net margin than 82% of similar nonprofits.

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

Top Officer Pay

87th percentile

$16,032

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

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

Asset Growth

10th percentile

-100%

Faster asset growth than 10% of similar nonprofits.

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

Revenue Growth

6th percentile

-95%

Faster revenue growth than 6% of similar nonprofits.

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

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$41,680

Down $1,704,613 (-98%) from 2023

Liabilities

Down

$123,738

Down $1,596,670 (-93%) from 2023

Net Assets

Down

-$82,058

Down $107,943 (-417%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin82nd percentile

Revenue

Down

$5,087,783

Down $28,741 (-0.6%) from 2023

Expenses

Down

$5,195,726

Down $1,034,370 (-17%) from 2023

Net Income

Up

-$107,943

Up $1,005,629 (+90%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth10th percentile

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

$4.0M$2.0M$0-$2.0MAssets 2017: $2,576,345Liabilities 2017: $1,325,585Net Assets 2017: $1,250,7602017Assets 2018: $3,511,126Liabilities 2018: $2,226,676Net Assets 2018: $1,284,4502018Assets 2019: $3,610,011Liabilities 2019: $1,618,674Net Assets 2019: $1,991,3372019Assets 2020: $3,940,388Liabilities 2020: $1,906,488Net Assets 2020: $2,033,9002020Assets 2021: $3,308,944Liabilities 2021: $1,130,858Net Assets 2021: $2,178,0862021Assets 2022: $2,325,188Liabilities 2022: $1,185,726Net Assets 2022: $1,139,4622022Assets 2023: $1,746,293Liabilities 2023: $1,720,408Net Assets 2023: $25,8852023Assets 2024: $41,680Liabilities 2024: $123,738Net Assets 2024: -$82,0582024

Highlighted filing

2024

Assets$41,680
Liabilities$123,738
Net Assets-$82,058
Open 2024 Filing

Operations Trend

Revenue Growth6th percentile

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

$10M$5.0M$0-$5.0MRevenue 2017: $8,170,052Expenses 2017: $8,418,325Net Income 2017: -$248,2732017Revenue 2018: $9,344,787Expenses 2018: $9,108,772Net Income 2018: $236,0152018Revenue 2019: $9,450,125Expenses 2019: $8,748,815Net Income 2019: $701,3102019Revenue 2020: $7,936,814Expenses 2020: $7,887,751Net Income 2020: $49,0632020Revenue 2021: $7,102,054Expenses 2021: $6,957,868Net Income 2021: $144,1862021Revenue 2022: $5,979,099Expenses 2022: $7,017,723Net Income 2022: -$1,038,6242022Revenue 2023: $5,116,524Expenses 2023: $6,230,096Net Income 2023: -$1,113,5722023Revenue 2024: $5,087,783Expenses 2024: $5,195,726Net Income 2024: -$107,9432024

Highlighted filing

2024

Revenue$5,087,783
Expenses$5,195,726
Net Income-$107,943
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$41,680
Liabilities
$123,738
Net assets
-$82,058
Revenue
$5,087,783
Expenses
$5,195,726
Net income
-$107,943
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.04$0.12$0.08$5.09$5.20$0.11
2023Detailed filing. Detailed filing data is available for this year.$1.75$1.72$0.03$5.12$6.23$1.11
2022Detailed filing. Detailed filing data is available for this year.$2.33$1.19$1.14$5.98$7.02$1.04
2021Detailed filing. Detailed filing data is available for this year.$3.31$1.13$2.18$7.10$6.96$0.14
2020Detailed filing. Detailed filing data is available for this year.$3.94$1.91$2.03$7.94$7.89$0.05
2019Detailed filing. Detailed filing data is available for this year.$3.61$1.62$1.99$9.45$8.75$0.70
2018Detailed filing. Detailed filing data is available for this year.$3.51$2.23$1.28$9.34$9.11$0.24
2017Detailed filing. Detailed filing data is available for this year.$2.58$1.33$1.25$8.17$8.42$0.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 21, 2025
Return Version
2024v5.0
Gross Receipts
$5,348,783
Mission and Program Overview

Mission

Credit counseling and debt management along with free financial education to consumers

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$847,217$41,422▼ $805,795
Pledges and Grants Receivable$37,200--
Prepaid Expenses and Deferred Charges$23,021--
Land, Buildings, and Equipment, Net$296,927$258▼ $296,669
Other Assets Total$541,928--
Total Assets$1,746,293$41,680▼ $1,704,613
Liabilities
Escrow Account Liability$572,765--
Other Liabilities$1,043,305$109,081▼ $934,224
Accounts Payable and Accrued Expenses$104,338$14,657▼ $89,681
Total Liabilities$1,720,408$123,738▼ $1,596,670
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$25,885$-82,058▼ $107,943
Total Net Assets Fund Balance$25,885$-82,058▼ $107,943
Total Liabilities and Net Assets / Fund Balance$1,746,293$41,680▼ $1,704,613

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$258$4,181$4,439
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shon LeesCEOFT$318,597$318,597
Roger CostaOfficers/DirectorFT$108,871$108,871
Juan ValladaresTreasurerFT$98,808$98,808

Board Members and Trustees

NameTitle
Dan DucharmeDirector
Doug LindstromDirector
Steve MyersDirector
Tim HillDirector
William PatersonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$1,503,840
Program Service Revenue
$3,843,743
Investment Income
$-259,800
Other Revenue
$0
Change in Net Assets
$-107,943

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,087,783
Total Revenue per Audited Statements
$5,087,783
Total Revenue per Form 990
$5,087,783
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,371,615
Salaries, Compensation, and Employee Benefits$1,824,111
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Advertising$1,358,623--$1,358,623
Other Salaries and Wages$1,140,853--$1,140,853
Occupancy$615,743$32,408-$648,151
Current Officers, Directors, Trustees, and Key Employees$417,405$108,871-$526,276
All Other Expenses$139,212$14,754-$153,966
Payroll Taxes$112,337$4,681-$117,018
Insurance$91,144$22,786-$113,930
Information Technology$89,913$22,479-$112,392
Other Expenses$74,790$18,697-$93,487
Other Employee Benefits$36,991--$36,991
Fees for Services Accounting$29,272$7,318-$36,590
Depreciation Depletion$35,670--$35,670
Office Expenses$22,659$5,664-$28,323
Interest-$3,254-$3,254
Pension Plan Contributions$2,854$119-$2,973
Total Functional Expenses$4,861,253$334,473$0$5,195,726

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,195,726
Total Expenses per Audited Statements$5,195,726
Total Expenses per Form 990$5,195,726
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Note Payables$71,892
Payroll Liabilities$37,189
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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, Page 6, Part VI, Line 11B

“Return reviewed by board of directors before filing”

Form 990, Page 6, Part VI, Line 12C

“All board members are to submit in writing interest that could give rise to conflict of interest while sitting on the board of directors”

Form 990, Page 6, Part VI, Line 15A

“An independent review of comparable officers' compensations are review on a yearly basis. Compensation adheres to the consumer credit counseling industry.”

Form 990, Page 6, Part VI, Line 15B

“An independent review of comparable officers' compensations are review on a yearly basis. Compensation adheres to the consumer credit counseling industry.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Creditguard of America Inc
EIN
65-0273573
Phone
5619487961
Address
2755 NW 63RD COURT, FORT LAUDERDALE, FL 33309

Signing Officer

Name
Shon Lees
Title
CEO
Phone
5619487961
Signed
2025-04-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Shon Lees
Formed
1991
Legal Domicile
Fl
Voting Board Members
6
Independent Board Members
6
Employees
43

Preparer

Firm
Advantage Accounting and Tax LLC
Address
2700 N MILITARY TRAIL STE 200, BOCA RATON, FL 33431
Preparer
Akbar Sharfi CPA
Phone
5616876466
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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RETURN REVIEWED BY BOARD OF DIRECTORS BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL BOARD MEMBERS ARE TO SUBMIT IN WRITING INTEREST THAT COULD GIVE RISE TO CONFLICT OF INTEREST WHILE SITTING ON THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AN INDEPENDENT REVIEW OF COMPARABLE OFFICERS' COMPENSATIONS ARE REVIEW ON A YEARLY BASIS. COMPENSATION ADHERES TO THE CONSUMER CREDIT COUNSELING INDUSTRY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AN INDEPENDENT REVIEW OF COMPARABLE OFFICERS' COMPENSATIONS ARE REVIEW ON A YEARLY BASIS. COMPENSATION ADHERES TO THE CONSUMER CREDIT COUNSELING INDUSTRY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO DOCUMENTS AVAILABLE TO THE PUBLIC
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15B
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDITGUARD OF AMERICA INC
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0650273573
ReturnHeader/Filer/PhoneNum05619487961
ReturnHeader/Filer/USAddress/AddressLine1Txt02755 NW 63RD COURT
ReturnHeader/Filer/USAddress/CityNm0FORT LAUDERDALE
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0853123588
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ADVANTAGE ACCOUNTING AND TAX LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02700 N MILITARY TRAIL STE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BOCA RATON
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ReturnHeader/PreparerPersonGrp/PhoneNum05616876466
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AKBAR SHARFI CPA
ReturnHeader/ReturnTs02025-04-24T09:55:28-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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