BIG SOLUTIONS INC

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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

1997

Legal Domicile

Principal Officer

CHRIS RUBINO

Phone

9546986262

Tax Period

2023-01-01 to 2023-12-31

BIG SOLUTIONS INC, founded in 1997, is a small nonprofit that reported $115K in total revenue in fiscal year 2023. Revenue fell 63% from the prior year — a significant decline worth monitoring.

Mission

CONSUMER CREDIT COUSELING SERVICE

Program Service Accomplishments

Program 1

Expenses: $116,025 Revenue: $115,299

PROVIDES CONFIDENTIAL AND PROFESSIONAL COUNSELING TO AID AND REHABILITATE FINANCIALLY DISTRESSED FAMILIES AND TO FOSTER COMMUNITY CONSUMER EDUCATION ON FAMILY MONEY MANAGEMENT

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $115,299

Investment Income $0

Other Revenue $0

TOTAL REVENUE $115,299

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,204

Fundraising Expenses $0

Program Expenses $116,025

Other Expenses $66,821

TOTAL EXPENSES $116,025

Year-over-Year Comparison

	2023	2022	Change
Revenue	$115,299	$315,842	-0.6%
Expenses	$116,025	$322,235	-0.6%
Net Income	$-726	$-6,393	-0.9%

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

N/A

Independent Members

N/A

Employees

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
CHRIS RUBINO	PRESIDENT/SE	N/A	Officer	$0	$0	$0
GLENN ROSENBERG	VP / TREASUR	N/A	Officer	$0	$0	$0
JIM WILLIAMS	DIRECTOR	N/A	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
2023	$115,299	$116,025	No data	$-726
2022	$315,842	$322,235	$15,800	$-6,393
2021	$392,986	$429,836	$4,111	$-36,850
2020	$453,652	$486,810	$2,250	$-33,158
2019	$654,066	$666,185	$9,363	$-12,119
2018	$611,601	$612,851	$5,319	$-1,250