BLUE FINANCE 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

2023

Legal Domicile

Principal Officer

NICOLAS PASCAL

Phone

3362922912

Tax Period

2025-01-01 to 2025-12-31

BLUE FINANCE INC, founded in 2023, is a micro nonprofit in the Environment sector that reported $82K in total revenue in fiscal year 2025.

Mission

BLUE ALLIANCE'S MISSION OFFERS A DIRECT, IMPACTFUL WAY FOR INDIVIDUALS AND ORGANISATIONS TO HELP PROTECT AND REGENERATE CORAL REEFS - SOME OF THE MOST BIODIVERSE ECOSYSTEMS ON EARTH.

Program Service Accomplishments

Program 1

Expenses: $81,260 Revenue: $0

BLUE COMMITMENT BY BLUE ALLIANCE - BLUE ALLIANCE CO-MANAGES OVER 3 MILLION HECTARES OF MPAS ACROSS INDONESIA, THE PHILIPPINES, AND ZANZIBAR, TURNING POORLY ENFORCED "PAPER PARKS" INTO THRIVING...

BLUE COMMITMENT BY BLUE ALLIANCE - BLUE ALLIANCE CO-MANAGES OVER 3 MILLION HECTARES OF MPAS ACROSS INDONESIA, THE PHILIPPINES, AND ZANZIBAR, TURNING POORLY ENFORCED "PAPER PARKS" INTO THRIVING ECOSYSTEMS. THE PROGRAM SUPPORTS PATROLS, SCIENTIFIC MONITORING, COMMUNITY EMPOWERMENT, AND ENVIRONMENTAL EDUCATION TO RESTORE REEFS, REBUILD FISH POPULATIONS, AND STRENGTHEN COASTAL LIVELIHOODS. EVERY BLUE COMMITMENT LEADS TO REAL, TRACKABLE CONSERVATION ACTIONS THAT SUSTAIN BOTH NATURE AND LOCAL COMMUNITIES.

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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 $81,919

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $81,919

Expense Breakdown

Grants Paid $81,260

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $81,260

Other Expenses $1,416

TOTAL EXPENSES $82,676

Year-over-Year Comparison

	2025	2024	Change
Revenue	$81,919	N/A	N/A
Expenses	$82,676	N/A	N/A
Net Income	$-757	$0	N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICOLAS PASCAL	PRESIDENT	3	Officer Director	$0	$0	$0
ANGELIQUE BRATHWAITE	VICE-PRESIDENT	1	Officer Director	$0	$0	$0
ADRIAN BRATHWAITE	SECRETARY	1	Officer Director	$0	$0	$0
DANIEL BRATHWAITE	TREASURER	1	Officer Director	$0	$0	$0
TAYLOR BRATTON	BOARD MEMBER	1	Director	$0	$0	$0
LAIA PASCAL-GALVIS	BOARD MEMBER	1	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	$81,919	$82,676	$1,530,767	$-757