Urban Village Montessori Inc dba Marigold Montessori (EIN 471721718) - 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

2014

Legal Domicile

Principal Officer

Janet Begin

Phone

9783610793

Tax Period

2024-07-01 to 2025-06-30

Urban Village Montessori Inc dba Marigold Montessori, founded in 2014, is a small nonprofit in the Education sector that reported $490K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year.

Mission

Urban Village Montessori, Inc. operates the Marigold Montessori Pre-School in Haverhill, Massachusetts.

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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 $168,561

Program Service Revenue $311,334

Investment Income $10,051

Other Revenue $0

TOTAL REVENUE $489,946

Expense Breakdown

Grants Paid $0

Salaries & Benefits $431,853

Fundraising Expenses $0

Program Expenses $501,938

Other Expenses $104,837

TOTAL EXPENSES $536,690

Year-over-Year Comparison

	2024	2023	Change
Revenue	$489,946	$568,257	-0.1%
Expenses	$536,690	$502,634	+0.1%
Net Income	$-46,744	$65,623	-1.7%

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

$185,488

Total Directors

$185,488

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Maria Labanca	Vice President	40.00	Officer Director	$94,419	$0	$94,419
Janet Begin	President	40.00	Officer Director	$91,069	$0	$91,069
Hannah Bessette	Secretary	1.00	Officer Director	$0	$0	$0
Lymichelle Rivera-Negron	Trustee	1.00	Director	$0	$0	$0
David Byrne	Treasurer	1.00	Officer 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	$489,946	$536,690	$363,076	$-46,744
2024	$568,257	$502,634	$410,874	$65,623
2023	$470,189	$434,478	$319,605	$35,711
2022	$496,034	$398,352	$298,424	$97,682
2021	$366,049	$314,773	$229,270	$51,276
2020	$279,672	$321,022	$172,030	$-41,350

Urban Village Montessori Inc dba Marigold Montessori