TRADETALKSORG INC (EIN 832321805) - 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

2018

Legal Domicile

Principal Officer

JUSTIN MILRAD

Phone

4043535175

Tax Period

2023-01-01 to 2023-12-31

TRADETALKSORG INC, founded in 2018, is a micro nonprofit that reported $289 in total revenue in fiscal year 2023. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $175K exceeded revenue, resulting in a 60551% operating deficit.

Mission

TO PROVIDE EDUCATIONAL RESOURCES THROUGH A WEBSITE AND SPEAKING EVENTS ON TRADE PROFESSIONS. WE ALSO PROVIDE CHARITABLE GIVING TO QUALIFYING ORGANIZATIONS.

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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 $48

Program Service Revenue $0

Investment Income $0

Other Revenue $241

TOTAL REVENUE $289

Expense Breakdown

Grants Paid $0

Salaries & Benefits $98,446

Fundraising Expenses $0

Program Expenses $63,696

Other Expenses $76,836

TOTAL EXPENSES $175,282

Year-over-Year Comparison

	2023	2022	Change
Revenue	$289	$250,000	-1.0%
Expenses	$175,282	$168,284	+0.0%
Net Income	$-174,993	$81,716	-3.1%

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

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

$46,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUSTIN MILRAD	PRESIDENT	4.00	Officer	$46,250	$0	$46,250
JONATHAN DUBOVSKY	TREASURER	1.00	Officer	$0	$0	$0
MARY BETH BYERLY	SECRETARY	1.00	Officer	$0	$0	$0
JENN METZGER	INDUSTRY ADVISOR	1.00	Officer	$0	$0	$0
IRISH HORSEY	INDUSTRY ADVISOR	1.00	Officer	$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	$289	$175,282	$32,263	$-174,993
2022	$250,000	$168,284	$207,256	$81,716
2021	$210,000	$87,528	$125,540	$122,472
2020	No data	$129,146	$3,068	No data
2019	$200,000	$67,786	$132,214	$132,214

TRADETALKSORG INC