BFB NJ INC (EIN 920888931) - 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

2022

Legal Domicile

Principal Officer

DEBORAH SERRANO

Phone

7324892012

Tax Period

2025-01-01 to 2025-12-31

BFB NJ INC, founded in 2022, is a micro nonprofit in the Health Care sector that reported $45K in total revenue in fiscal year 2025. Expenses of $54K exceeded revenue, resulting in a 18% operating deficit.

Mission

FUNDRAISING FOR THE BENEFIT OF NONPROFIT ORGANIZATIONS THAT PROVIDE CRISIS INTERVENTION TO WOMEN FACING FINANCIAL HARDSHIPWHILE BATTLING BREAST CANCER. ALSO TO THE BENEFIT OF NON-PROFITORGANIZATIONS TO HELP PATIENTS WITH THE COSMETIC SIDE EFFECTSOF BREAST CANCER TREATMENT

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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 $45,444

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $45,444

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $49,806

Other Expenses $53,596

TOTAL EXPENSES $53,596

Year-over-Year Comparison

	2025	2024	Change
Revenue	$45,444	$43,168	+0.1%
Expenses	$53,596	$34,408	+0.6%
Net Income	$-8,152	$8,760	-1.9%

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

Independent Members

Employees

N/A

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
DEBORAH SERRANO	PRESIDENT	20.00	Officer	$0	$0	$0
HEIDI LEWIS	VICE PRESIDENT	20.00	Officer	$0	$0	$0
ROBERT WOLOSHEN	TREASURER	5.00	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
2025	$45,444	$53,596	$10,065	$-8,152
2024	$43,168	$34,408	$18,217	$8,760
2023	$44,575	$39,188	$9,357	$5,387
2022	$100	$30	$1,970	$70

BFB NJ INC