Civic Intelligence

Financial Education Services Inc

EIN 84-3592571 • 501(c)3 • Lewes, DE

Profile

Provide financial literacy program to individuals and their families that are suffering from financial distress.

16192 Coastal HwyLewes, DE 19958

n/A

Siviq Scores

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

Liabilities / Assets

99th percentile

17.58x

Higher debt load relative to assets than 99% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

100th percentile

111.06x

Higher debt load relative to revenue than 100% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

4th percentile

-565%

Higher net margin than 4% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

37th percentile

-13%

Faster asset growth than 37% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

4th percentile

-99%

Faster revenue growth than 4% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$9,982

Down $1,456 (-13%) from 2023

Liabilities

Up

$175,468

Up $7,468 (+4.4%) from 2023

Net Assets

Down

-$165,486

Down $8,924 (-5.7%) from 2023

Operations
Liabilities / Revenue100th percentileNet Margin4th percentile

Revenue

Down

$1,580

Down $159,118 (-99%) from 2023

Expenses

Down

$10,505

Down $156,977 (-94%) from 2023

Net Income

Down

-$8,925

Down $2,141 (-32%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth37th percentile

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

$300K$200K$100K$0-$100K-$200KAssets 2020: $104,560Liabilities 2020: $123,119Net Assets 2020: -$18,5592020Assets 2021: $54,019Liabilities 2021: $123,119Net Assets 2021: -$69,1002021Assets 2022: $61,976Liabilities 2022: $211,754Net Assets 2022: -$149,7782022Assets 2023: $11,438Liabilities 2023: $168,000Net Assets 2023: -$156,5622023Assets 2024: $9,982Liabilities 2024: $175,468Net Assets 2024: -$165,4862024

Highlighted filing

2024

Assets$9,982
Liabilities$175,468
Net Assets-$165,486
Open 2024 Filing

Operations Trend

Revenue Growth4th percentile

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

$200K$100K$0-$100KRevenue 2020: $0Expenses 2020: $0Net Income 2020: $02020Revenue 2021: $79,864Expenses 2021: $0Net Income 2021: $79,8642021Revenue 2022: $81,522Expenses 2022: $162,200Net Income 2022: -$80,6782022Revenue 2023: $160,698Expenses 2023: $167,482Net Income 2023: -$6,7842023Revenue 2024: $1,580Expenses 2024: $10,505Net Income 2024: -$8,9252024

Highlighted filing

2024

Revenue$1,580
Expenses$10,505
Net Income-$8,925
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$9,982
Liabilities
$175,468
Net assets
-$165,486
Revenue
$1,580
Expenses
$10,505
Net income
-$8,925
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.10$1.75$1.65$0.02$0.11$0.09
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.11$1.68$1.57$1.61$1.67$0.07
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.62$2.12$1.50$0.82$1.62$0.81
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.54$1.23$0.69$0.80$0.00$0.80
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.05$1.23$0.19$0.00$0.00$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 20, 2025
Return Version
2024v5.2
Gross Receipts
$1,580
Mission and Program Overview

Mission

Provide financial literacy program to individuals and their families that are suffering from financial distress

Provide financial literacy program to individuals and their families that are suffering from financial distress.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$10,334$10,334→ $0
Cash and Non-Interest-Bearing Accounts$11,438$9,982▼ $1,456
Rtn Earn Endowment Incm Other Fnds$-166,895$-175,820▼ $8,925
Total Assets$11,438$9,982▼ $1,456
Liabilities
Unsecured Notes Loans Payable$167,999$175,468▲ $7,469
Total Liabilities$167,999$175,468▲ $7,469
Net Assets / Fund Balance
Total Net Assets Fund Balance$-156,561$-165,486▼ $8,925
Total Liabilities and Net Assets / Fund Balance$11,438$9,982▼ $1,456
Compensation and Service Providers
Top Officer Pay81st percentile

Board Members and Trustees

NameTitle
Ed KoziolPresident
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,580
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-8,925
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,505
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$2,594--$2,594
All Other Expenses$577--$577
Total Functional Expenses$10,505$0$0$10,505
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
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
Filing and Contact Details

Filer

Filer Name
Financial Education Services Inc
EIN
84-3592571
Phone
8883859209
Address
16192 COASTAL HWY, LEWES, DE 19958

Signing Officer

Name
Ed Koziol
Title
Corporate Officer
Phone
8883859209
Signed
2025-10-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ed Koziol
Formed
2021
Legal Domicile
Nv
Voting Board Members
1
Independent Board Members
1
Employees
0

Preparer

Firm
Bhi Bookkeeping
Address
2385 N DECATUR BLVD, LAS VEGAS, NV 89108
Preparer
Brent Howard
Phone
7022599983
Supplemental Narrative

Additional Explanations

PART IX, LINE 24E

“Taxes and licenses $45 telephone $532”

Raw XML Appendix247 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/GrossReceiptsAmt01580
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IRS990/IndependentVotingMemberCnt01
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IRS990/IRPDocumentCnt00
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IRS990/MoreThan5000KToIndividualsInd0false
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IRS990/NetAssetsOrFundBalancesBOYAmt0-156561
IRS990/NetAssetsOrFundBalancesEOYAmt0-165486
IRS990/NondeductibleContributionsInd0false
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IRS990/Organization501c3Ind0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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ReturnHeader/Filer/EIN0843592571
ReturnHeader/Filer/PhoneNum08883859209
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ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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