Civic Intelligence

Microloans of Belize

EIN 82-3733488 • 501(c)3 • Church Hill, TN

Pub. 78 Eligible

Profile

Health and education needs in belize

143 Lyons RdChurch Hill, TN 37642-5110
Siviq Scores

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

Liabilities / Assets

59th percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

61st percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2023

Net Margin

28th percentile

-12%

Higher net margin than 28% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

26th percentile

-27%

Faster asset growth than 26% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

14th percentile

-58%

Faster revenue growth than 14% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets59th percentile

Assets

Up

$6,308

Up $4,212 (+201%) from 2023

Liabilities

Up

$500

Up $500 from 2023

Net Assets

Up

$5,808

Up $3,712 (+177%) from 2023

Operations
Liabilities / Revenue61st percentileNet Margin28th percentile

Revenue

Up

$15,000

Up $8,633 (+136%) from 2023

Expenses

Up

$11,288

Up $4,132 (+58%) from 2023

Net Income

Up

$3,712

Up $4,501 (+570%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

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

$8.0K$6.0K$4.0K$2.0K$0Assets 2019: $2,821Liabilities 2019: $02019Assets 2020: $4,643Liabilities 2020: $0Net Assets 2020: $4,6432020Assets 2021: $3,319Liabilities 2021: $0Net Assets 2021: $3,3192021Assets 2022: $2,885Liabilities 2022: $0Net Assets 2022: $2,8852022Assets 2023: $2,096Liabilities 2023: $0Net Assets 2023: $2,0962023Assets 2024: $6,308Liabilities 2024: $500Net Assets 2024: $5,8082024

Highlighted filing

2024

Assets$6,308
Liabilities$500
Net Assets$5,808
Open 2024 Filing

Operations Trend

Revenue Growth14th percentile

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

$20K$15K$10K$5.0K$0-$5.0KRevenue 2019: $4,400Expenses 2019: $2,574Net Income 2019: $1,8262019Revenue 2020: $8,000Expenses 2020: $6,178Net Income 2020: $1,8222020Revenue 2021: $6,000Expenses 2021: $7,324Net Income 2021: -$1,3242021Revenue 2022: $15,100Expenses 2022: $15,534Net Income 2022: -$4342022Revenue 2023: $6,367Expenses 2023: $7,156Net Income 2023: -$7892023Revenue 2024: $15,000Expenses 2024: $11,288Net Income 2024: $3,7122024

Highlighted filing

2024

Revenue$15,000
Expenses$11,288
Net Income$3,712
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$6,308
Liabilities
$500
Net assets
$5,808
Revenue
$15,000
Expenses
$11,288
Net income
$3,712
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.31$0.50$5.81$15.0$11.3$3.71
2023Detailed filing. Detailed filing data is available for this year.$2.10$0.00$2.10$6.37$7.16$0.79
2022Detailed filing. Detailed filing data is available for this year.$2.89$0.00$2.89$15.1$15.5$0.43
2021Detailed filing. Detailed filing data is available for this year.$3.32$0.00$3.32$6.00$7.32$1.32
2020Detailed filing. Detailed filing data is available for this year.$4.64$0.00$4.64$8.00$6.18$1.82
2019Summary only. Only limited summary data is available for this year.$2.82$0.00$4.40$2.57$1.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 27, 2025
Return Version
2024v5.0
Gross Receipts
$15,000
Mission and Program Overview

Mission

Health and education needs in belize

Program Services

DescriptionGrantsExpenses
EXPENDITURES FOR FURTHERING EDUCATION AND SPECIFIC HEALTH NEEDS IN BELIZE-$0
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JOSEPH F SMIDDYPresident-$0--
FRANK WALDOSecretary-$0--
DON ROYSTONTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Microloans of Belize
EIN
82-3733488
In Care Of
% CHARLES D ROYSTON
Phone
4232938075
Address
143 LYONS RD, Church Hill, TN 37642-5110

Signing Officer

Name
Charles D Royston CPA
Title
treasurer
Phone
4232920271
Signed
2025-03-27
Discuss with paid preparer
No

Preparer

Firm
C Don Royston CPA
Address
1083 HIDDEN VALLEY RD, Kingsport, TN 37663
Preparer
C Don Royston CPA
Phone
4232920271
Supplemental Narrative

Additional Explanations

List of grants and similar amounts paid Part I line 10

“Activity DENTAL TRAINING AND EDUCATION CLINIC (FREE) Grantee APPALACHIAN MILES FOR SMILES Street 708 EAST SULLIVAN ST City, State, Zip Kingsport, TN 37660Amount 5,500”

Description of other expenses Part I line 16

“Description AmountEDUCATION AND MEDICAL EXPENSES 3,498BANK FEES 42OFFICE EXP-SUPPLIES 407INSURANCE 1,841”

Description of total liabilities Part II line 26

“Category Beginning of Year End of YearLOAN PAYABLE 0 500”

Raw XML Appendix152 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0JOSEPH F SMIDDY
IRS990EZ/BooksInCareOfDetail/PhoneNum04232938075
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0143 LYONS RD
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Church Hill
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd0376425110
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt02096
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt06308
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt015000
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt03712
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt02096
IRS990EZ/Form990TotalAssetsGrp/EOYAmt06308
IRS990EZ/GrantsAndSimilarAmountsPaidAmt05500
IRS990EZ/GrossReceiptsAmt015000
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt02096
IRS990EZ/NetAssetsOrFundBalancesEOYAmt05808
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt02096
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt05808
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JOSEPH F SMIDDY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1FRANK WALDO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2DON ROYSTON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherExpensesTotalAmt05788
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0HEALTH AND EDUCATION NEEDS IN BELIZE
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0EXPENDITURES FOR FURTHERING EDUCATION AND SPECIFIC HEALTH NEEDS IN BELIZE
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0TN
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0500
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt011288
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt015000
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt015000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt06367
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt015100
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt06000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt08000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt050467
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt050467
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt015000
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt06367
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt015100
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt06000
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt08000
IRS990ScheduleA/Total509Grp/TotalAmt050467
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt015000
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt06367
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt015100
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt06000
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt08000
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt050467
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Activity DENTAL TRAINING AND EDUCATION CLINIC (FREE) Grantee APPALACHIAN MILES FOR SMILES Street 708 EAST SULLIVAN ST City, State, Zip Kingsport, TN 37660Amount 5,500
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description AmountEDUCATION AND MEDICAL EXPENSES 3,498BANK FEES 42OFFICE EXP-SUPPLIES 407INSURANCE 1,841
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Category Beginning of Year End of YearLOAN PAYABLE 0 500
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0List of grants and similar amounts paid Part I line 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Description of total liabilities Part II line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES D ROYSTON CPA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum04232920271
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-03-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MICROLOANS OF BELIZE
ReturnHeader/Filer/BusinessNameControlTxt0MICR
ReturnHeader/Filer/EIN0823733488
ReturnHeader/Filer/InCareOfNm0% CHARLES D ROYSTON
ReturnHeader/Filer/PhoneNum04232938075
ReturnHeader/Filer/USAddress/AddressLine1Txt0143 LYONS RD
ReturnHeader/Filer/USAddress/CityNm0Church Hill
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd0376425110
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0C DON ROYSTON CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01083 HIDDEN VALLEY RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Kingsport
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd037663
ReturnHeader/PreparerPersonGrp/PhoneNum04232920271
ReturnHeader/PreparerPersonGrp/PreparationDt02025-03-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0C DON ROYSTON CPA
ReturnHeader/ReturnTs02025-03-26T16:28:35-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.