Civic Intelligence

Big Solutions Inc

990 • Fiscal year 2014 • EIN 65-0734340

Jan 01, 2014 to Dec 31, 2014 • Filed on May 18, 2015

Organization ProfileWWW.MYBSI.ORG
2300 W Sample RoadCoral Springs, FL 33073

(954) 698-6262

Siviq Scores

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

Liabilities / Assets

97th percentile

1.98x

Higher debt load relative to assets than 97% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

86th percentile

0.20x

Higher debt load relative to revenue than 86% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Net Margin

60th percentile

7.7%

Higher net margin than 60% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Top Officer Pay

95th percentile

$65,226

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 13.8% of source-year revenue.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Asset Growth

93rd percentile

140%

Faster asset growth than 93% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

40th percentile

-4.3%

Faster revenue growth than 40% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$47,413

Up $27,698 (+140%) from 2013

Net Assets

Up

-$46,625

Up $36,275 (+44%) from 2013

Liabilities

Down

$94,038

Down $8,577 (-8.4%) from 2013

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin60th percentile

Revenue

Down

$471,561

Down $21,192 (-4.3%) from 2013

Expenses

Down

$435,286

Down $54,495 (-11%) from 2013

Net Income

Up

$36,275

Up $33,303 (+1121%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$400K$200K$0-$200K-$400KAssets 2010: $11,662Liabilities 2010: $54,329Net Assets 2010: -$42,6672010Assets 2011: $15,465Liabilities 2011: $130,584Net Assets 2011: -$115,1192011Assets 2012: $10,408Liabilities 2012: $96,280Net Assets 2012: -$85,8722012Assets 2013: $19,715Liabilities 2013: $102,615Net Assets 2013: -$82,9002013Assets 2014: $47,413Liabilities 2014: $94,038Net Assets 2014: -$46,6252014Assets 2015: $13,636Liabilities 2015: $112,751Net Assets 2015: -$99,1152015Assets 2016: $21,748Liabilities 2016: $135,577Net Assets 2016: -$113,8292016Assets 2017: $3,958Liabilities 2017: $159,404Net Assets 2017: -$155,4462017Assets 2018: $5,319Liabilities 2018: $162,015Net Assets 2018: -$156,6962018Assets 2019: $9,363Liabilities 2019: $178,178Net Assets 2019: -$168,8152019Assets 2020: $2,250Liabilities 2020: $204,223Net Assets 2020: -$201,9732020Assets 2021: $4,111Liabilities 2021: $242,934Net Assets 2021: -$238,8232021Assets 2022: $15,800Liabilities 2022: $261,016Net Assets 2022: -$245,2162022Assets 2023: $0Liabilities 2023: $245,942Net Assets 2023: -$245,9422023

Highlighted filing

2014

Assets$47,413
Liabilities$94,038
Net Assets-$46,625
Open 2014 Filing

Operations Trend

Revenue Growth40th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $548,4862010Expenses 2011: $593,1522011Revenue 2012: $467,656Expenses 2012: $438,409Net Income 2012: $29,2472012Revenue 2013: $492,753Expenses 2013: $489,781Net Income 2013: $2,9722013Revenue 2014: $471,561Expenses 2014: $435,286Net Income 2014: $36,2752014Revenue 2015: $393,503Expenses 2015: $445,993Net Income 2015: -$52,4902015Revenue 2016: $392,501Expenses 2016: $407,215Net Income 2016: -$14,7142016Revenue 2017: $562,052Expenses 2017: $603,669Net Income 2017: -$41,6172017Revenue 2018: $611,601Expenses 2018: $612,851Net Income 2018: -$1,2502018Revenue 2019: $654,066Expenses 2019: $666,185Net Income 2019: -$12,1192019Revenue 2020: $453,652Expenses 2020: $486,810Net Income 2020: -$33,1582020Revenue 2021: $392,986Expenses 2021: $429,836Net Income 2021: -$36,8502021Revenue 2022: $315,842Expenses 2022: $322,235Net Income 2022: -$6,3932022Revenue 2023: $115,299Expenses 2023: $116,025Net Income 2023: -$7262023

Highlighted filing

2014

Revenue$471,561
Expenses$435,286
Net Income$36,275
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 18, 2015
Return Version
2014v5.0
Gross Receipts
$471,561
Mission and Program Overview

Mission

Consumer credit couseling service

Consumer credit counseling service

Balance Sheet Detail
LineBeginningEndChange
Assets
Loans From Officers Directors$85,078$75,078▼ $10,000
Cash and Non-Interest-Bearing Accounts$2,439$28,818▲ $26,379
Accounts Receivable$15,026$16,345▲ $1,319
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Rtn Earn Endowment Incm Other Fnds$-82,900$-46,625▲ $36,275
Total Assets$19,715$47,413▲ $27,698
Other Assets Total$2,250$2,250→ $0
Liabilities
Other Liabilities$656$10,307▲ $9,651
Unsecured Notes Loans Payable-$6,600-
Accounts Payable and Accrued Expenses$16,881$2,053▼ $14,828
Total Liabilities$102,615$94,038▼ $8,577
Net Assets / Fund Balance
Total Net Assets Fund Balance$-82,900$-46,625▲ $36,275
Total Liabilities and Net Assets / Fund Balance$19,715$47,413▲ $27,698

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings-$21,709$21,709
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Chris RubinoPresidentFT$65,226$65,226

Board Members and Trustees

NameTitle
Adam HeffnerVice President
Belle HarveyDirector
Bruce NewmanDirector
Charles IzmirlianDirector
Jim WilliamsDirector
Mark SherDirector
Peter MordenteDirector
Glenn RosenbergTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$471,561
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$36,275
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$248,764
Salaries, Compensation, and Employee Benefits$186,522
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$101,713--$101,713
Current Officers, Directors, Trustees, and Key Employees-$65,226-$65,226
Advertising$41,466--$41,466
Fees for Services Accounting$38,850--$38,850
Occupancy$26,878--$26,878
Payroll Taxes$8,340$6,500-$14,840
Office Expenses$8,291--$8,291
Other Employee Benefits$4,743--$4,743
All Other Expenses$1,559--$1,559
Interest$1,546--$1,546
Insurance$1,476--$1,476
Other Expenses$1,232--$1,232
Total Functional Expenses$363,560$71,726$0$435,286
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$85,078$75,078▼ $10,000
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Card Payable$9,247
Retirement Plan Payable$977
Trust Payable$83
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“No review was or will be conducted.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Big Solutions Inc
EIN
65-0734340
Phone
9546986262
Address
2300 W SAMPLE ROAD, CORAL SPRINGS, FL 33073

Signing Officer

Name
Chris Rubino
Title
President
Signed
2015-05-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chris Rubino
Formed
1997
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
8
Employees
4

Preparer

Firm
Siegelaub Rosenberg Golding & Feller Pa
Address
2801 North University Drive STE 301, Coral Springs, FL 33065
Preparer
Glenn Rosenberg
Phone
9547532222
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0471561
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0471561
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0238737
IRS990/PYProgramServiceRevenueAmt0492753
IRS990/PYRevenuesLessExpensesAmt02972
IRS990/PYSalariesCompEmpBnftPaidAmt0251044
IRS990/PYTotalExpensesAmt0489781
IRS990/PYTotalRevenueAmt0492753
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt036275
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0-82900
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0-46625
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0520700
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0552624
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01073324
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0471561
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0492753
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0467656
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt01431970
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt02505294
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0471561
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0492753
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0467656
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0520700
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0552624
IRS990ScheduleA/Total509Grp/TotalAmt02505294
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0471561
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0492753
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0467656
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0520700
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0552624
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt02505294
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt021709
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt021709
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09247
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1977
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt283
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CREDIT CARD PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1RETIREMENT PLAN PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2TRUST PAYABLE
IRS990ScheduleD/TotalLiabilityAmt010307
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0FL
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt019715
IRS990/TotalAssetsEOYAmt047413
IRS990/TotalAssetsGrp/BOYAmt019715
IRS990/TotalAssetsGrp/EOYAmt047413
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt071726
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0363560
IRS990/TotalFunctionalExpensesGrp/TotalAmt0435286
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0102615
IRS990/TotalLiabilitiesEOYAmt094038
IRS990/TotalLiabilitiesGrp/BOYAmt0102615
IRS990/TotalLiabilitiesGrp/EOYAmt094038
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-82900
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-46625
IRS990/TotalProgramServiceExpensesAmt0363560
IRS990/TotalProgramServiceRevenueAmt0471561
IRS990/TotalReportableCompFromOrgAmt065226
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0471561
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0471561
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019715
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt047413
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt06600
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0A
IRS990/USAddress/CityNm0B
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd033065
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.MYBSI.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$47,413
Liabilities
$94,038
Net assets
-$46,625
Revenue
$471,561
Expenses
$435,286
Net income
$36,275
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$2.46$2.46$1.15$1.16$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.16$2.61$2.45$3.16$3.22$0.06
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.04$2.43$2.39$3.93$4.30$0.37
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.02$2.04$2.02$4.54$4.87$0.33
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.09$1.78$1.69$6.54$6.66$0.12
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.05$1.62$1.57$6.12$6.13$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.04$1.59$1.55$5.62$6.04$0.42
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.22$1.36$1.14$3.93$4.07$0.15
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.14$1.13$0.99$3.94$4.46$0.52
2014Detailed filing. Detailed filing data is available for this year.$0.47$0.94$0.47$4.72$4.35$0.36
2013Detailed filing. Detailed filing data is available for this year.$0.20$1.03$0.83$4.93$4.90$0.03
2012Summary only. Only limited summary data is available for this year.$0.10$0.96$0.86$4.68$4.38$0.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.15$1.31$1.15$5.93
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.12$0.54$0.43$5.48