GIVE AND SURF INC (EIN 273351048) - Form 990 Financial Analysis & Trantor Score

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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

2010

Legal Domicile

Tax Period

2025-01-01 to 2025-12-31

GIVE AND SURF INC, founded in 2010, is a small nonprofit in the International Affairs sector that reported $350K in total revenue in fiscal year 2025. Expenses of $335K left a modest 4% surplus.

Mission

TO EMPOWER INDIGENOUS AND VULNERABLE COMMUNITIES THROUGH EDUCATION AND COMMUNITY DEVELOPMENT PROJECTS IN PANAMA

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $332,960

Investment Income $0

Other Revenue $16,973

TOTAL REVENUE $349,933

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $259,378

Other Expenses $335,466

TOTAL EXPENSES $335,466

Year-over-Year Comparison

	2025	2024	Change
Revenue	$349,933	$360,416	0.0%
Expenses	$335,466	$309,231	+0.1%
Net Income	$14,467	$51,185	-0.7%

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
NEIL R CHRISTIANSEN	PRESIDENT	5.00	Officer Director	$0	$0	$0
LISA BISCEGLIA	TREASURER	0.00	Officer Director	$0	$0	$0
GEORGIANNA GARNER	DIRECTOR	0.00	Officer Director	$0	$0	$0
WILLIAM COTTER	DIRECTOR	0.00	Director	$0	$0	$0
ANDREA DEVENTER	DIRECTOR	0.00	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
2025	$349,933	$335,466	$126,867	$14,467
2024	$360,416	$309,231	$124,307	$51,185
2023	$307,262	$307,976	$71,247	$-714
2022	$247,494	$219,313	$71,961	$28,181

GIVE AND SURF INC