Sowing Seeds LTD

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1995

Legal Domicile

Principal Officer

Julia Desmond

Phone

7818373337

Tax Period

2024-01-01 to 2024-12-31

Sowing Seeds LTD, founded in 1995, is a micro nonprofit in the Human Services sector that reported $88K in total revenue in fiscal year 2024. Revenue fell 32% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $22K, a strong 25% operating margin.

Mission

Provide assistance to people in need.

Program Service Accomplishments

Program 1

Expenses: $7,640

Provide funds to assist with auto needs to individuals and families in need.

Program 2

Expenses: $7,372

Provide funds to pay rent, mortgage, etc to address critical housing problems for individuals and families in need.

Program 3

Expenses: $12,319

Provide assistance with utilites in order to maintain electricity and heat to individuals in need.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $66,405

Program Service Revenue $0

Investment Income $21,864

Other Revenue $0

TOTAL REVENUE $88,269

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $51,648

Other Expenses $65,929

TOTAL EXPENSES $65,929

Year-over-Year Comparison

	2024	2023	Change
Revenue	$88,269	$130,271	-0.3%
Expenses	$65,929	$72,599	-0.1%
Net Income	$22,340	$57,672	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Raymond Joyal	President	2.00	Officer Director	$0	$0	$0
Ann Farrell	Asst Vice President	2.00	Officer Director	$0	$0	$0
Julia Desmond	Treasurer	2.00	Officer Director	$0	$0	$0
Jacqueline Egan	Secretary	2.00	Officer Director	$0	$0	$0
Mary Doolan	Director	2.00	Director	$0	$0	$0
Carol Whippen	Ass Dire of Transport	2.00	Director	$0	$0	$0
Paul Kaufman	Attorney	2.00	Director	$0	$0	$0
Heather Guimond	Vice President	2.00	Officer Director	$0	$0	$0
Jacqueline Pescatore	Asst Treasurer	2.00	Officer Director	$0	$0	$0
James Bachman	Dir of Volunteers	2.00	Director	$0	$0	$0
Bill McDonough	Ass Dire of Transport	2.00	Director	$0	$0	$0
Betty Bruynell	Director of Transport	2.00	Director	$0	$0	$0
Martha Smith	Director	2.00	Director	$0	$0	$0
Kristina Mullin	Co-Director	2.00	Director	$0	$0	$0
Mary Madden	Ass Secretary	2.00	Director	$0	$0	$0
Steve Biagini	Ass Dir of Transport	2.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$88,269	$65,929	$714,612	$22,340
2023	$130,271	$72,599	$685,121	$57,672
2022	$73,400	$64,932	$613,910	$8,468
2021	$67,434	$40,550	$625,766	$26,884
2020	$78,559	$59,076	$590,158	$19,483
2019	$79,684	$51,936	$560,869	$27,748