Civic Intelligence

Partners for Self Employment Inc

EIN 65-0464173 • 501(c)3 • Miami, FL

Profile

To promote financial well-being of low to moderate income individuals and businesses in South Florida via business and financial literacy training and providing opportunities to borrow and save. We strive to be a cost effective provider of financial and training services to our constituents and as a prudent and responsible steward of the funds entrusted to us.

3000 Biscayne BlvdMiami, FL 33137

www.partnersforselfemployment.org

Siviq Scores

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

Liabilities / Assets

41st percentile

0.07x

Higher debt load relative to assets than 41% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

69th percentile

0.36x

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

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

84th percentile

37%

Higher net margin than 84% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

32nd percentile

$82,395

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Asset Growth

65th percentile

9.6%

Faster asset growth than 65% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

10th percentile

-29%

Faster revenue growth than 10% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Assets

Up

$7,605,575

Up $667,871 (+9.6%) from 2023

Liabilities

Down

$560,143

Down $2,500 (-0.4%) from 2023

Net Assets

Up

$7,045,432

Up $670,371 (+11%) from 2023

Revenue

Down

$1,552,409

Down $637,364 (-29%) from 2023

Expenses

Down

$985,296

Down $787,906 (-44%) from 2023

Net Income

Up

$567,113

Up $150,542 (+36%) from 2023

Trend Graphs

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $3,238,379Liabilities 2010: $298,696Net Assets 2010: $2,939,6832010Assets 2011: $1,907,919Liabilities 2011: $162,450Net Assets 2011: $1,745,4692011Assets 2012: $1,449,660Liabilities 2012: $247,449Net Assets 2012: $1,202,2112012Assets 2013: $1,373,996Liabilities 2013: $253,706Net Assets 2013: $1,120,2902013Assets 2015: $1,211,455Liabilities 2015: $219,425Net Assets 2015: $992,0302015Assets 2016: $1,666,524Liabilities 2016: $257,354Net Assets 2016: $1,409,1702016Assets 2017: $2,225,428Liabilities 2017: $296,633Net Assets 2017: $1,928,7952017Assets 2018: $2,701,612Liabilities 2018: $350,418Net Assets 2018: $2,351,1942018Assets 2019: $3,066,903Liabilities 2019: $375,677Net Assets 2019: $2,691,2262019Assets 2020: $3,656,855Liabilities 2020: $428,056Net Assets 2020: $3,228,7992020Assets 2021: $4,377,623Liabilities 2021: $457,183Net Assets 2021: $3,920,4402021Assets 2022: $6,468,111Liabilities 2022: $485,637Net Assets 2022: $5,982,4742022Assets 2023: $6,937,704Liabilities 2023: $562,643Net Assets 2023: $6,375,0612023Assets 2024: $7,605,575Liabilities 2024: $560,143Net Assets 2024: $7,045,4322024

Highlighted filing

2024

Assets$7,605,575
Liabilities$560,143
Net Assets$7,045,432

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2010: $1,996,155Expenses 2010: $908,308Net Income 2010: $1,087,8472010Revenue 2011: $250,192Expenses 2011: $533,475Net Income 2011: -$283,2832011Revenue 2012: $370,177Expenses 2012: $750,922Net Income 2012: -$380,7452012Revenue 2013: $591,898Expenses 2013: $673,819Net Income 2013: -$81,9212013Revenue 2015: $363,339Expenses 2015: $439,714Net Income 2015: -$76,3752015Revenue 2016: $897,835Expenses 2016: $480,695Net Income 2016: $417,1402016Revenue 2017: $846,817Expenses 2017: $496,600Net Income 2017: $350,2172017Revenue 2018: $856,906Expenses 2018: $434,507Net Income 2018: $422,3992018Revenue 2019: $859,957Expenses 2019: $350,621Net Income 2019: $509,3362019Revenue 2020: $2,731,073Expenses 2020: $2,238,453Net Income 2020: $492,6202020Revenue 2021: $1,203,188Expenses 2021: $358,059Net Income 2021: $845,1292021Revenue 2022: $2,388,147Expenses 2022: $326,113Net Income 2022: $2,062,0342022Revenue 2023: $2,189,773Expenses 2023: $1,773,202Net Income 2023: $416,5712023Revenue 2024: $1,552,409Expenses 2024: $985,296Net Income 2024: $567,1132024

Highlighted filing

2024

Revenue$1,552,409
Expenses$985,296
Net Income$567,113

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$7.61$0.56$7.05$1.55$0.99$0.57
2023Detailed filing. Detailed filing data is available for this year.$6.94$0.56$6.38$2.19$1.77$0.42
2022Detailed filing. Detailed filing data is available for this year.$6.47$0.49$5.98$2.39$0.33$2.06
2021Detailed filing. Detailed filing data is available for this year.$4.38$0.46$3.92$1.20$0.36$0.85
2020Detailed filing. Detailed filing data is available for this year.$3.66$0.43$3.23$2.73$2.24$0.49
2019Detailed filing. Detailed filing data is available for this year.$3.07$0.38$2.69$0.86$0.35$0.51
2018Detailed filing. Detailed filing data is available for this year.$2.70$0.35$2.35$0.86$0.43$0.42
2017Detailed filing. Detailed filing data is available for this year.$2.23$0.30$1.93$0.85$0.50$0.35
2016Detailed filing. Detailed filing data is available for this year.$1.67$0.26$1.41$0.90$0.48$0.42
2015Summary only. Only limited summary data is available for this year.$1.21$0.22$0.99$0.36$0.44$0.08
2013Summary only. Only limited summary data is available for this year.$1.37$0.25$1.12$0.59$0.67$0.08
2012Summary only. Only limited summary data is available for this year.$1.45$0.25$1.20$0.37$0.75$0.38
2011Summary only. Only limited summary data is available for this year.$1.91$0.16$1.75$0.25$0.53$0.28
2010Summary only. Only limited summary data is available for this year.$3.24$0.30$2.94$2.00$0.91$1.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.1
Gross Receipts
$1,552,409
Mission and Program Overview

Mission

To promote financial well-being of low to moderate income individuals and families in south florida via financial literacy training and providing opportunities to borrow and save. We strive to be a cost effective provider of financial and training services to our constituents and as a prudent and responsible steward of the funds entrusted to us. Our mission is carried out by an enthusiastic and committed employees and board of directors.

To promote financial well-being of low to moderate income individuals and businesses in South Florida via business and financial literacy training and providing opportunities to borrow and save.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,258,386$5,466,908▲ $1,208,522
Cash and Non-Interest-Bearing Accounts$1,920,914$1,247,301▼ $673,613
Pledges and Grants Receivable$758,105$881,266▲ $123,161
Prepaid Expenses and Deferred Charges$299$7,243▲ $6,944
Land, Buildings, and Equipment, Net$0$2,857▲ $2,857
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$6,937,704$7,605,575▲ $667,871
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$531,138$552,069▲ $20,931
Mortgage Notes Payable Secured by Investment Property$27,581$5,936▼ $21,645
Accounts Payable and Accrued Expenses$3,924$2,138▼ $1,786
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$562,643$560,143▼ $2,500
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,123,337$6,793,708▲ $670,371
Net Assets With Donor Restrictions$251,724$251,724→ $0
Total Net Assets Fund Balance$6,375,061$7,045,432▲ $670,371
Total Liabilities and Net Assets / Fund Balance$6,937,704$7,605,575▲ $667,871

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,857$103,404-
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Maria CotoExecutive DirectorFT$82,395$82,395

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$1,552,409
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$991,639
Change in Net Assets
$567,113

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,552,409
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,552,409
Total Revenue per Form 990
$1,552,409
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$844,693
Salaries, Compensation, and Employee Benefits$140,603
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$39,587$89,061$0$128,648
Occupancy$49,533$29,988$0$79,521
Insurance$36,415$26,651$0$63,066
Other Expenses$31,927$9,707$0$41,634
Information Technology$8,133$4,173$0$12,306
Payroll Taxes$3,513$8,442$0$11,955
Office Expenses$7,740$4,072$0$11,812
Fees for Services Other$4,199$6,795$0$10,994
Travel$18$182$0$200
Total Functional Expenses$804,605$180,691$0$985,296

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$985,296
Total Expenses per Audited Statements$985,296
Total Expenses per Form 990$985,296
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Notes payable$552,069
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

Part VI, Line 11A

The Form 990 is reviewed by the Board of Directors.

Part VI, Line 12C

Each year the Executive Director reviews the policy and procedures with staff in meetings or via emails.

Part VI, Line 15

The Board of Directors reviews and approves the salary for the Executive Director.

Filing and Contact Details

Filer

Filer Name
Partners For Self Employment Inc
EIN
65-0464173
Phone
3054381407
Address
3000 Biscayne Blvd, Miami, FL 33137

Signing Officer

Name
Maria Coto
Title
Executive Director
Phone
3054381407
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Maria Coto
Formed
1993
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
1

Preparer

Firm
Kilgour & Associates LLC
Address
15715 SOUTH DIXIE HIGHWAY S202, MIAMI, FL 33157
Preparer
Marlon Kilgour
Raw XML AppendixShowing 400 of 648 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/Form990PartVIISectionAGrp/PersonNm4Mario Ernesto Goderch III
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IRS990/MissionDesc0To promote financial well-being of low to moderate income individuals and businesses in South Florida via business and financial literacy training and providing opportunities to borrow and save. We strive to be a cost effective provider of financial and training services to our constituents and as a prudent and responsible steward of the funds entrusted to us.
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IRS990/PrincipalOfficerNm0Maria Coto
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