Civic Intelligence

Calvert Concept Charitable Corporation

EIN 88-3408456 • 501(c)3 • Sunderland, MD

Profile

Home/Small Business ownership for disadvantaged peoples

PO Box 40Sunderland, MD 20689

www.c4housing.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

17th percentile

-36%

Higher net margin than 17% of similar nonprofits.

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

Top Officer Pay

96th percentile

$69,551

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 70.5% of source-year revenue.

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

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

$99,030

No earlier filing loaded for comparison.

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

$99,030

No earlier filing loaded for comparison.

Operations
Liabilities / RevenueScore unavailableNet Margin17th percentile

Revenue

$98,590

No earlier filing loaded for comparison.

Expenses

$134,193

No earlier filing loaded for comparison.

Net Income

-$35,603

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$100K$50K$0Assets 2024: $99,030Net Assets 2024: $99,0302024

Highlighted filing

2024

Assets$99,030
Liabilities-
Net Assets$99,030
Open 2024 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0-$50KRevenue 2024: $98,590Expenses 2024: $134,193Net Income 2024: -$35,6032024

Highlighted filing

2024

Revenue$98,590
Expenses$134,193
Net Income-$35,603
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$99,030
Liabilities
-
Net assets
$99,030
Revenue
$98,590
Expenses
$134,193
Net income
-$35,603
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.99$0.99$0.99$1.34$0.36
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 31, 2025
Return Version
2024v5.2
Gross Receipts
$98,590
Mission and Program Overview

Mission

Home/Small Business ownership for disadvantaged peoples

Program Services

DescriptionGrantsExpenses
Executive Director paid position dedicated to formalizing the charitys business processes selection and oversight via volunteers processes and procedures expanding community awareness of the charitys mission and goals-$69,553
Legal and financial services necessary to maintain the charity on a sound foundation, evaluate and modify long range plans and ensure an ethical and effective operating environment for both beneficiaries and volunteers-$47,528
Corporation Insurance coverage essential for the charitys hands-on, volunteer, direct support of beneficiary clients to protect beneficiaries and volunteers-$2,938
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle CrosbyExecutive DirectorFT$69,338$213$69,551
W Kipling At LeePresidentPT$0--
Michael KentVice PresidentPT$0--
Kathryn MarshSecretary Director For Government RelationsPT$0--
Ariane OdomDirector For Client ServicesPT$0--
Edsel Brown JrDirector For Business RelationsPT$0--
Nathaniel PopeDirector For Media Relations/CommunicationsPT$0--
Stephen BuckDirector For FinancePT$0--
Cynthia Thorne-CarterDirector For Outreach And SelectionsPT$0--
Filing and Contact Details

Filer

Filer Name
Calvert Concept Charitable Corporation
EIN
88-3408456
Phone
4102575306
Address
PO Box 40, Sunderland, MD 20689

Signing Officer

Name
Stephen D Buck
Title
Director Finance
Phone
4102575306
Signed
2025-10-31
Discuss with paid preparer
No
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16, Other Expenses

“Equipment rental and maintenance 1,419”

Form 990-EZ, Part I, Line 16, Other Expenses

“Supplies 531”

Form 990-EZ, Part I, Line 16, Other Expenses

“Telephone 347”

Form 990-EZ, Part I, Line 16, Other Expenses

“Paypal Fees 235”

Form 990-EZ, Part I, Line 16, Other Expenses

“Payroll Processing Fees 2,822”

Form 990-EZ, Part I, Line 16, Other Expenses

“Insurance 2,938”

Raw XML Appendix196 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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CompensationExplanation/CompensationExplanationGrp/PersonNm3Michelle Crosby
CompensationExplanation/CompensationExplanationGrp/PersonNm4Ariane Odom
CompensationExplanation/CompensationExplanationGrp/PersonNm5Edsel Brown Jr
CompensationExplanation/CompensationExplanationGrp/PersonNm6Nathaniel Pope
CompensationExplanation/CompensationExplanationGrp/PersonNm7Stephen Buck
CompensationExplanation/CompensationExplanationGrp/PersonNm8Cynthia Thorne-Carter
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CompensationExplanation/CompensationExplanationGrp/ShortExplanationTxt2Volunteer
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CompensationExplanation/CompensationExplanationGrp/ShortExplanationTxt6Volunteer
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary DIrector for Government Relations
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Executive Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director for Client Services
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Director for Business Relations
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Director for Media Relations/Communications
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Director for Finance
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8Director for Outreach and Selections
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt08292
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
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IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Home/Small Business ownership for disadvantaged peoples
IRS990EZ/PrintingPublicationsPostageAmt0500
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt147528
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IRS990EZ/ScheduleBNotRequiredInd0X
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IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MD
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IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TotalExpensesAmt0134193
IRS990EZ/TotalProgramServiceExpensesAmt0120019
IRS990EZ/TotalRevenueAmt098590
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.c4housing.org
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt098553
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0165418
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt052048
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0316019
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IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0316078
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IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Equipment rental and maintenance 1,419
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Supplies 531
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Telephone 347
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Paypal Fees 235
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Payroll Processing Fees 2,822
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Insurance 2,938
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990-EZ, Part I, Line 16, Other Expenses
ReasonableCauseExplanation/ExplanationTxt0The charitys financial information was transitioned from to an online bookkeeping environment and worked through changes in the team maintaining the books and financial records. We requested the extension to ensure all details and data were accurately moved and validated,
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Stephen D Buck
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Director Finance
ReturnHeader/BusinessOfficerGrp/PhoneNum04102575306
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Calvert Concept Charitable Corporation
ReturnHeader/Filer/BusinessNameControlTxt0CALV
ReturnHeader/Filer/EIN0883408456
ReturnHeader/Filer/PhoneNum04102575306
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 40
ReturnHeader/Filer/USAddress/CityNm0Sunderland
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd020689
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/ReturnTs02025-11-08T08:03:53-00:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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