NATIONAL BUDGET PLANNERS OF S FL INC (EIN 650848095) - 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

1998

Legal Domicile

Phone

8005828839

Tax Period

2023-01-01 to 2023-12-31

NATIONAL BUDGET PLANNERS OF S FL INC, founded in 1998, is a small nonprofit in the Human Services sector that reported $642K in total revenue in fiscal year 2023. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $716K exceeded revenue, resulting in a 11% operating deficit.

Mission

TO PROVIDE FREE CREDIT RELATED FINANCIAL EDUCATION AND COUNSELING TO ALL ITS CLIENTS. NBP ALSO PROVIDES ITS CLIENTS WITH FREE AND LOW-COST DEBT MANAGEMENT SERVICES, FREE FINANCIAL EDUCATION, COUNSELING AND BUDGETING SERVICES, AND FREE COMMUNITY SERVICES AND OUTREACH.

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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 $4,499

Program Service Revenue $637,602

Investment Income $159

Other Revenue $0

TOTAL REVENUE $642,260

Expense Breakdown

Grants Paid $0

Salaries & Benefits $76,691

Fundraising Expenses $0

Program Expenses $654,010

Other Expenses $639,054

TOTAL EXPENSES $715,745

Year-over-Year Comparison

	2023	2022	Change
Revenue	$642,260	$976,274	-0.3%
Expenses	$715,745	$1,181,807	-0.4%
Net Income	$-73,485	$-205,533	-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

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
SANJEEV KANWAR	President	2.00	Officer Director	$0	$0	$0
LAYNE JENSEN	Director	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	No data	No data	No data	No data
2023	$642,260	$715,745	$965,344	$-73,485
2022	$976,274	$1,181,807	$1,349,308	$-205,533
2021	$2,018,775	$1,496,662	$1,611,064	$522,113
2020	$860,446	$845,387	$755,813	$15,059
2019	$519,472	$474,558	$500,665	$44,914
2018	$654,663	$698,678	$463,454	$-44,015

NATIONAL BUDGET PLANNERS OF S FL INC