LABOR OF LOVE INC D/B/A BELLA MEDICAL CLINIC (EIN 391783119) - 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

1993

Legal Domicile

Principal Officer

ELIZABETH R NEMECEK CEO

Phone

9202316006

Tax Period

2025-01-01 to 2025-10-31

LABOR OF LOVE INC D/B/A BELLA MEDICAL CLINIC, founded in 1993, is a micro nonprofit that reported $2K in total revenue in fiscal year 2025. Revenue fell 101% from the prior year — a significant decline worth monitoring.

Mission

LABOR OF LOVE, INC. IS A PREGNANCY CENTER WHICH ACTS AS AN ADVOCATE FOR WOMEN LOOKING FOR INFORMATION, PRENATAL EDUCATION AND PERSONAL EMPOWERMENT.

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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 $69,073

Program Service Revenue $0

Investment Income $-172,746

Other Revenue $101,178

TOTAL REVENUE $-2,495

Expense Breakdown

Grants Paid $0

Salaries & Benefits $84,779

Fundraising Expenses $17,065

Program Expenses $239,421

Other Expenses $225,233

TOTAL EXPENSES $310,012

Year-over-Year Comparison

	2025	2024	Change
Revenue	$-2,495	$355,687	-1.0%
Expenses	$310,012	$343,529	-0.1%
Net Income	$-312,507	$12,158	-26.7%

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

Volunteers

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

$43,626

Total Directors

$43,626

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH R NEMECEK	CHIEF EXECUTIVE OFFICER	40.00	Officer Director	$43,626	$0	$43,626
DENNIS KOTLOSKI	PRESIDENT	1.00	Officer Director	$0	$0	$0
DEBBIE HORTON	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL STRATZ	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
CAROL CONWAY-GERHARDT	DIRECTOR	1.00	Director	$0	$0	$0
SHARON MODRZYNSKI	DIRECTOR	1.00	Director	$0	$0	$0
PERRY ASHLEY	SECRETARY	1.00	Officer Director	$0	$0	$0
BRYAN KRESS	TREASURER	1.00	Officer Director	$0	$0	$0
GARRY DECKER	DIRECTOR	1.00	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	$-2,495	$310,012	No data	$-312,507
2024	$355,687	$343,529	$452,905	$12,158
2023	$379,140	$380,875	$458,997	$-1,735
2022	$303,902	$325,824	$458,677	$-21,922
2021	$350,748	$266,235	$486,773	$84,513
2020	$355,108	$232,191	$413,624	$122,917
2019	$292,696	$232,591	$297,785	$60,105
2018	$230,583	$204,512	$245,307	$26,071

LABOR OF LOVE INC D/B/A BELLA MEDICAL CLINIC