Civic Intelligence

Water 4 Mercy Inc

EIN 83-1742012 • 501(c)3 • Clearwater, FL

Profile

Water 4 Mercy provides funds to implement permanent, sustainable, innovative energy and water resources.

3026 Oakmont DriveClearwater, FL 33761

www.water4mercy.org

Siviq Scores

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

Liabilities / Assets

98th percentile

2.77x

Higher debt load relative to assets than 98% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

86th percentile

0.43x

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

501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

58th percentile

8.5%

Higher net margin than 58% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

67th percentile

$50,000

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 8.1% of source-year revenue.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

92nd percentile

84%

Faster asset growth than 92% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

27th percentile

-8.9%

Faster revenue growth than 27% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Assets

Up

$96,594

Up $16,739 (+21%) from 2021

Liabilities

Up

$267,084

Up $719 (+0.3%) from 2021

Net Assets

Up

-$170,490

Up $16,020 (+8.6%) from 2021

Revenue

Up

$615,050

Up $122,134 (+25%) from 2021

Expenses

Down

$562,565

Down $129,895 (-19%) from 2021

Net Income

Up

$52,485

Up $252,029 (+126%) from 2021

Trend Graphs

Balance Sheet Trend

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

$400K$200K$0-$200KAssets 2019: $45,978Liabilities 2019: $4,460Net Assets 2019: $41,5182019Assets 2020: $28,479Liabilities 2020: $15,445Net Assets 2020: $13,0342020Assets 2021: $79,855Liabilities 2021: $266,365Net Assets 2021: -$186,5102021Assets 2024: $96,594Liabilities 2024: $267,084Net Assets 2024: -$170,4902024

Highlighted filing

2024

Assets$96,594
Liabilities$267,084
Net Assets-$170,490

Operations Trend

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

$1.0M$500K$0-$500KRevenue 2019: $96,449Expenses 2019: $73,389Net Income 2019: $23,0602019Revenue 2020: $121,864Expenses 2020: $150,348Net Income 2020: -$28,4842020Revenue 2021: $492,916Expenses 2021: $692,460Net Income 2021: -$199,5442021Revenue 2024: $615,050Expenses 2024: $562,565Net Income 2024: $52,4852024

Highlighted filing

2024

Revenue$615,050
Expenses$562,565
Net Income$52,485

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 24, 2025
Return Version
2024v5.2
Gross Receipts
$615,050
Mission and Program Overview

Mission

Water 4 mercy provides funds to implement permanent, sustainable, innovative energy and water resources

Water 4 mercy provides funds to implement permanent,sustainable,innovative energy and water resources, agricultural development, and vocational training within the fields of water stewardship and sustainable agriculture.

Balance Sheet Detail
LineBeginningEndChange
Assets
Loans From Officers Directors$250,000$250,000→ $0
Cash and Non-Interest-Bearing Accounts$45,254$39,464▼ $5,790
Land, Buildings, and Equipment, Net$138$0▼ $138
Total Assets$52,417$96,594▲ $44,177
Other Assets Total$7,025$57,130▲ $50,105
Liabilities
Unsecured Notes Loans Payable$15,000$14,220▼ $780
Accounts Payable and Accrued Expenses$10,392$2,864▼ $7,528
Total Liabilities$275,392$267,084▼ $8,308
Net Assets / Fund Balance
Total Net Assets Fund Balance$-222,975$-170,490▲ $52,485
Total Liabilities and Net Assets / Fund Balance$52,417$96,594▲ $44,177

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$860-
Other Assets Org$50,105--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Nermine RubinFounder & CEOPT$50,000$50,000

Board Members and Trustees

NameTitle
Meg CareyVice President
Bruce SteinDirector
Dr John VenturellaDirector
Fr Gregg TottleDirector
Frank MurphyTreasurer/secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$614,840
Program Service Revenue
$0
Investment Income
$210
Other Revenue
$0
All Other Contributions
$614,840
Change in Net Assets
$52,485
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$373,600
Other Expenses$115,095
Salaries, Compensation, and Employee Benefits$73,870
Total Fundraising Expense$57,034
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Foreign Grants$373,600--$373,600
Current Officers, Directors, Trustees, and Key Employees$35,000$7,500$7,500$50,000
Fees for Services Other$924$16,460$19,839$37,223
Travel$29,875$29$3,755$33,659
Other Salaries and Wages$13,035$2,793$2,793$18,621
Information Technology-$1,947$12,460$14,407
Conferences and Meetings$5,471$139$2,174$7,784
Fees for Services Accounting-$6,481-$6,481
Other Expenses$1,535$1,515$2,500$5,550
Payroll Taxes$3,675$787$787$5,249
Advertising$154$833$3,756$4,743
Office Expenses$1,481$1,134$1,470$4,085
Fees for Services Legal-$1,025-$1,025
Depreciation Depletion-$138-$138
Total Functional Expenses$464,750$40,781$57,034$562,565
International Activity

International Summary

Offices
0
Employees
0
Spending
$373,600

International Compliance

Foreign grant records maintained
Yes
Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No

International Activities

RegionActivityServicesOfficesEmployeesSpending
Sub-saharan AfricaGrant MakingWater Wells/irrigation/agriculture00$373,600
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$250,000$250,000→ $0
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
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

Prior to filing, the board of directors reviews, makes any necessary changes, and approves the form 990.

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

Annually, all board members and key employees review and sign the conflict of interest compliance form. Should any potential conflicts of interest exist, the matter will be reviewed by the board of directors to determine whether a conflict exists or not. If a conflict of interest does exist, this board member will a) refrain from influencing either management or board members, b) withdraw from the portion of the meeting in which the matter at issue is discussed, and c) abstain from voting and not be present for the vote.

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

The board of directors or a compensation committee/executive committee will annually evaluate the chief executive officer on his/her performance, and ask for input on matters of performance and compensation. The board will obtain research and information from comparable organizations for compensation. To approve the compensation for the chief executive officer, the board must document how it reached the decision in minutes of the meeting during which the compensation was approved.

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Water 4 Mercy Inc
EIN
83-1742012
Phone
7274394222
Address
3026 OAKMONT DRIVE, CLEARWATER, FL 33761

Signing Officer

Name
Nermine Khouzam Rubin
Title
Founder
Phone
7274394222
Signed
2025-11-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nermine Khouzam Rubin
Formed
2018
Legal Domicile
Fl
Voting Board Members
6
Independent Board Members
5
Employees
4
Volunteers
0

Preparer

Firm
Rivero Gordimer & Company Pa
Address
201 N FRANKLIN ST SUITE 2200, TAMPA, FL 33602
Preparer
Sam a Lazzara
Phone
8138757774
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4A

Water 4 mercy's collaboration with cultivaid enabled the training of over 12,500 farmers and 450 students in sustainable agricultural practices, utilizing israeli technology and expertise. This initiative promoted year-round cultivation of nutritious crops, improved food security, and supported local economies. The harvested crops contributed to better community health and restored dignity as villagers achieved greater self-sufficiency. The organization also advanced education and capacity building through its school of agriculture, established with don bosco technical institute in dodoma, tanzania and in embu, kenya. Water 4 mercy supported agricultural innovation and technology centers (aitec) in dodoma and embu, which provided training in drip irrigation, sustainable farming, and agri-business to local experts, educators, and students. These centers fostered a new generation of agricultural leaders and supported self-sustaining food systems and economic development. In 2024, water 4 mercy launched an "agricultural diplomacy" initiative with agadir university in morocco, facilitating cross-border agricultural exchanges and educational collaboration. This program connected african agricultural students and professionals with israeli and moroccan innovators, promoting regional cooperation in food security and sustainable agricultural practices. To further expand its impact, water 4 mercy worked with quarero, a swiss-based marketing accelerator, to enhance its media presence and outreach through creative, data-driven strategies. Through these integrated efforts, water 4 mercy empowered communities, promoted self-sufficiency, and contributed to lasting change across africa.

Form 990 Amended Return

The amended section of the return is part vi, section b. Policies. In the originally filed return, it was marked that the organization did not have written policies regarding whistleblowers, document retention and destruction, and a ceo compensation approval process. The amended return reflects these policies water 4 mercy, inc. Has in place and descriptions of the necessary processes for these policies.

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IRS990ScheduleF/AccountActivitiesOutsideUSGrp/RegionTxt0SUB-SAHARAN AFRICA
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/SpecificServicesProvidedTxt0WATER WELLS/IRRIGATION/AGRICULTURE
IRS990ScheduleF/AccountActivitiesOutsideUSGrp/TypeOfActivitiesConductedTxt0GRANT MAKING
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IRS990ScheduleF/GrantsToOrgOutsideUSGrp/MannerOfCashDisbursementTxt3WIRE TRANSFERS
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IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt0IRRIGATION/AGRICULTURE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt1WATER WELLS
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt2TRAVEL ASSISTANCE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt3WATER WELLS
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt4AGRICULTURE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt0SUB-SAHARAN AFRICA ,
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt1SUB-SAHARAN AFRICA
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt2SUB-SAHARAN AFRICA
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt3SUB-SAHARAN AFRICA ,
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IRS990ScheduleF/SupplementalInformationDetail/ExplanationTxt001. USE OF GRANT MONITORING PROCEDURES (PART I, LINE 2) WATER 4 MERCY DONATIONS ARE GRANTED TO OTHER NON-GOVERNMENTAL ORGANIZATIONS TO ASSIST WATER 4 MERCY IN CARRYING OUT ITS PROJECTS. ON AVERAGE, 47% IS GRANTED TO INNOVATION AFRICA TO ASSIST WITH SOLAR-POWERED WATER PROJECTS; 52% IS GRANTED TO CULTIVAID TO ASSIST WITH OUR AGRICULTURAL PROJECTS; AND 1% IS GRANTED TO DON BOSCO FOR THE AGRICULTURAL INNOVATION AND TECHNOLOGY CENTER IN SUPPORT OF AGRICULTURAL EDUCATION. OUR CEO PERIODICALLY MAKES TRIPS TO AFRICA TO PERSONALLY MONITOR THE PROCESS OF OUR PROJECTS THAT ARE FUNDED THROUGH CONTRIBUTIONS RECEIVED BY WATER 4 MERCY. CULTIVAID OVERSEES AND MANAGES OUR AGRICULTURAL PROJECTS, INCLUDING AITEC, THE AGRICULTURAL INNOVATION AND TECHNOLOGY CENTER WITH DON BOSCO. DON BOSCO RECEIVES WATER 4 MERCY'S FUNDS THROUGH CULTIVAID, WHO SENDS IT DIRECTLY TO DON BOSCO, AS PER SAID AND AGREED UPON PROTOCOLS WITHIN OUR SIGNED CONTRACTS AND MEMOS OF UNDERSTANDING.
IRS990ScheduleF/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
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IRS990ScheduleF/TotalOfficeCnt00
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IRS990/ScheduleJRequiredInd00
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0WATER PROJECTS
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0WATER 4 MERCY'S COLLABORATION WITH CULTIVAID ENABLED THE TRAINING OF OVER 12,500 FARMERS AND 450 STUDENTS IN SUSTAINABLE AGRICULTURAL PRACTICES, UTILIZING ISRAELI TECHNOLOGY AND EXPERTISE. THIS INITIATIVE PROMOTED YEAR-ROUND CULTIVATION OF NUTRITIOUS CROPS, IMPROVED FOOD SECURITY, AND SUPPORTED LOCAL ECONOMIES. THE HARVESTED CROPS CONTRIBUTED TO BETTER COMMUNITY HEALTH AND RESTORED DIGNITY AS VILLAGERS ACHIEVED GREATER SELF-SUFFICIENCY. THE ORGANIZATION ALSO ADVANCED EDUCATION AND CAPACITY BUILDING THROUGH ITS SCHOOL OF AGRICULTURE, ESTABLISHED WITH DON BOSCO TECHNICAL INSTITUTE IN DODOMA, TANZANIA AND IN EMBU, KENYA. WATER 4 MERCY SUPPORTED AGRICULTURAL INNOVATION AND TECHNOLOGY CENTERS (AITEC) IN DODOMA AND EMBU, WHICH PROVIDED TRAINING IN DRIP IRRIGATION, SUSTAINABLE FARMING, AND AGRI-BUSINESS TO LOCAL EXPERTS, EDUCATORS, AND STUDENTS. THESE CENTERS FOSTERED A NEW GENERATION OF AGRICULTURAL LEADERS AND SUPPORTED SELF-SUSTAINING FOOD SYSTEMS AND ECONOMIC DEVELOPMENT. IN 2024, WATER 4 MERCY LAUNCHED AN "AGRICULTURAL DIPLOMACY" INITIATIVE WITH AGADIR UNIVERSITY IN MOROCCO, FACILITATING CROSS-BORDER AGRICULTURAL EXCHANGES AND EDUCATIONAL COLLABORATION. THIS PROGRAM CONNECTED AFRICAN AGRICULTURAL STUDENTS AND PROFESSIONALS WITH ISRAELI AND MOROCCAN INNOVATORS, PROMOTING REGIONAL COOPERATION IN FOOD SECURITY AND SUSTAINABLE AGRICULTURAL PRACTICES. TO FURTHER EXPAND ITS IMPACT, WATER 4 MERCY WORKED WITH QUARERO, A SWISS-BASED MARKETING ACCELERATOR, TO ENHANCE ITS MEDIA PRESENCE AND OUTREACH THROUGH CREATIVE, DATA-DRIVEN STRATEGIES. THROUGH THESE INTEGRATED EFFORTS, WATER 4 MERCY EMPOWERED COMMUNITIES, PROMOTED SELF-SUFFICIENCY, AND CONTRIBUTED TO LASTING CHANGE ACROSS AFRICA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PRIOR TO FILING, THE BOARD OF DIRECTORS REVIEWS, MAKES ANY NECESSARY CHANGES, AND APPROVES THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY, ALL BOARD MEMBERS AND KEY EMPLOYEES REVIEW AND SIGN THE CONFLICT OF INTEREST COMPLIANCE FORM. SHOULD ANY POTENTIAL CONFLICTS OF INTEREST EXIST, THE MATTER WILL BE REVIEWED BY THE BOARD OF DIRECTORS TO DETERMINE WHETHER A CONFLICT EXISTS OR NOT. IF A CONFLICT OF INTEREST DOES EXIST, THIS BOARD MEMBER WILL A) REFRAIN FROM INFLUENCING EITHER MANAGEMENT OR BOARD MEMBERS, B) WITHDRAW FROM THE PORTION OF THE MEETING IN WHICH THE MATTER AT ISSUE IS DISCUSSED, AND C) ABSTAIN FROM VOTING AND NOT BE PRESENT FOR THE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS OR A COMPENSATION COMMITTEE/EXECUTIVE COMMITTEE WILL ANNUALLY EVALUATE THE CHIEF EXECUTIVE OFFICER ON HIS/HER PERFORMANCE, AND ASK FOR INPUT ON MATTERS OF PERFORMANCE AND COMPENSATION. THE BOARD WILL OBTAIN RESEARCH AND INFORMATION FROM COMPARABLE ORGANIZATIONS FOR COMPENSATION. TO APPROVE THE COMPENSATION FOR THE CHIEF EXECUTIVE OFFICER, THE BOARD MUST DOCUMENT HOW IT REACHED THE DECISION IN MINUTES OF THE MEETING DURING WHICH THE COMPENSATION WAS APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE AMENDED SECTION OF THE RETURN IS PART VI, SECTION B. POLICIES. IN THE ORIGINALLY FILED RETURN, IT WAS MARKED THAT THE ORGANIZATION DID NOT HAVE WRITTEN POLICIES REGARDING WHISTLEBLOWERS, DOCUMENT RETENTION AND DESTRUCTION, AND A CEO COMPENSATION APPROVAL PROCESS. THE AMENDED RETURN REFLECTS THESE POLICIES WATER 4 MERCY, INC. HAS IN PLACE AND DESCRIPTIONS OF THE NECESSARY PROCESSES FOR THESE POLICIES.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 4A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990 AMENDED RETURN
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