Nonprofit · EIN 22-3120920
NAVICORE SOLUTIONS INC
Tax-exempt · MANALAPAN, NJ 07726
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $16,792,460 | $16,447,724 | $344,736 | $11,862,130 | $9,708,494 | $2,153,636 |
| December 31, 2023 | 990 | $15,059,714 | $14,875,769 | $183,945 | $13,783,103 | $8,441,888 | $5,341,215 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $7,100,395
- of which government grants
- $3,328,381
- Program service revenue
- $9,456,500
- Investment income
- $63,831
- Net rental income
- $162,870
- Net gain from sales of assets
- -$3,225
- Other revenue
- $171,734
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,253,644
- Other salaries and wages
- $8,284,288
- Salaries, compensation and benefits (total)
- $12,312,388
- Professional fundraising fees
- $0
- Legal fees
- $98,112
- Accounting fees
- $80,773
- Occupancy
- $421,883
- Travel
- $50,931
- Depreciation
- $332,379
- Program services (functional)
- $13,763,174
- Management and general (functional)
- $2,483,466
- Fundraising (functional)
- $201,084
Balance sheet and other
- Total assets, start of year
- $13,783,103
- Total assets, end of year
- $11,862,130
- Total liabilities, end of year
- $9,708,494
- Net assets, end of year
- $2,153,636
- Land, buildings and equipment
- $5,091,137
- Net assets without donor restrictions
- $2,153,636
- Gross receipts
- $17,292,460
- Employees
- 203
- Volunteers
- 8
- Year formed
- 1991
- State of legal domicile
- NJ
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Jill Feldman | President & CEO Officer | 70 | $361,823 | $44,858 |
| Todd Suler | CFO Officer | 70 | $317,914 | $2,060 |
| Diane Gray | COO Officer | 70 | $313,431 | $4,498 |
| Isis Malagrino | vp-customer exp | 50 | $223,978 | $46,980 |
| Joel Greenberg | Executive Dir. | 0 | $231,333 | $0 |
| Bruce Cameron | Sr Software Engine | 50 | $162,318 | $19,687 |
| Richard Getz | Dr of Industry Rel | 50 | $108,391 | $38,758 |
| Chip Fichot | Sr.Business Sys An | 50 | $123,203 | $15,645 |
| Richard Verrillo | Dr of Business dev | 50 | $113,991 | $1,752 |
| Rebecca Winters | Asst Corp Secre Officer | 50 | $46,257 | $0 |
| Roy Lopez | Trustee Trustee or director | 1 | $0 | $0 |
| Donell Young | Trustee Trustee or director | 1 | $0 | $0 |
| Deborah Figart | Trustee Trustee or director | 1 | $0 | $0 |
| Werner Rehm | Trustee Trustee or director | 1 | $0 | $0 |
| Mike Woods | Trustee Trustee or director | 1 | $0 | $0 |
3 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JOSEPH TIMKO | Trustee Trustee or director | 4 | $0 |
| Stephen Freiman | Trustee Trustee or director | 1 | $0 |
| Diane Daley | Trustee Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 18 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Joel Greenberg | Executive Dir. Officer | 40 | $376,971 | $39,912 |
| Jill Feldman | President & CEO Officer | 70 | $332,020 | $43,279 |
| Todd Suler | CFO Officer | 70 | $318,639 | $21,383 |
| Diane Gray | COO Officer | 70 | $269,141 | $4,328 |
| Isis Malagrino | vp-customer exp | 50 | $152,233 | $43,188 |
| Bruce Cameron | Sr Software Engine | 50 | $141,780 | $17,868 |
| Richard Getz | Dr of Industry Rel | 50 | $114,092 | $39,629 |
| Don Hicks | Dr of Counseling | 50 | $96,420 | $50,988 |
| Chip Fichot | Sr.Business Sys An | 50 | $120,341 | $16,369 |
| Rebecca Winters | Asst Corp Secre Officer | 50 | $50,867 | $0 |
| Roy Lopez | Trustee Trustee or director | 1 | $0 | $0 |
| Donell Young | Trustee Trustee or director | 1 | $0 | $0 |
| Deborah Figart | Trustee Trustee or director | 1 | $0 | $0 |
| Leslie McKnight | Trustee Trustee or director | 1 | $0 | $0 |
| Dennis Pitocco | Trustee Trustee or director | 1 | $0 | $0 |
| JOSEPH TIMKO | Trustee Trustee or director | 5 | $0 | $0 |
| Stephen Freiman | Trustee Trustee or director | 1 | $0 | $0 |
| Diane Daley | Trustee Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 200 US HIGHWAY 9, MANALAPAN, NJ 07726-3072
- In care of
- % TODD SULER
- Principal officer (990 for 2024)
- Jill Feldman, 200 US HIGHWAY 9, MANALAPAN, NJ 07726
- Signed the 990
- Todd Suler, CFO
- Phone
- (732) 409-6281
- Website
- www.navicoresolutions.org
- Return prepared by
- Topel & Silver
Mission
The primary focus of Garden State Consumer Credit Counseling, Inc. ("Navicore Solutions"), a non-profit organization, is to strengthen the well-being of individuals and families through education, guidance, advocacy, and support. Our most significant activities include housing counseling, credit counseling, bankruptcy counseling, financial education, and other outreach programs. Finally, for those individuals who qualify, the company provides a debt management program.
Program accomplishments
- Debt Management Program (DMP)The DMP is a consolidation and repayment plan for unsecured debt that may include concessions from creditors such as reduced interest rates and the elimination of late and over-limit fees. Offered as an alternative to bankruptcy, the program is only pursued when deemed appropriate and with the consumer's consent. The Organization provides continuous counseling, at no cost, throughout the client's enrollment in the DMP, ensuring that all financial challenges are addressed with compassion and care.Expenses $6,045,450 · revenue $8,000,253
- Financial Counseling and Education:Personal Financial CounselingConsumers who seek assistance are connected with a certified counselor, who offers personalized guidance tailored to their unique financial circumstances. The counseling process includes the development of a comprehensive budget that outlines monthly expenses, debt obligations, household income, assets, and liabilities. Our counselors are trained to provide expert budgetary advice and connect clients with relevant resources to help them manage their financial situations effectively.Financial EducationThe Organization provides financial education through one-on-one counseling, workshops, and written materials. We have become a preferred provider of financial education for community members, delivering workshops on a variety of financial topics. A key aspect of our outreach is delivering these services to underserved populations, including virtual options for groups who prefer remote participation.Disaster Recovery CounselingThis service provides comprehensive counseling to individuals affected by natural disasters. The goal is to assist clients with housing needs, help them apply for applicable disaster recovery programs, connect them with resources, and develop personalized action plans to aid in their recovery.Rental and Mortgage AssistanceThe Organization offers assistance programs to individuals impacted by economic crises or natural disasters. In collaboration with state and local organizations, we support public awareness, determine eligibility for assistance programs, and provide counseling to help individuals navigate these resources.Student Loan Debt CounselingCertified counselors provide in-depth assessments of borrowers financial situations, addressing obstacles related to student loan repayment. Counselors help clients determine eligibility for federal programs designed to assist with repayment.Expenses $5,466,081 · revenue $43,417
- Housing CounselingAs a HUD-approved National Intermediary, the Organization offers a range of housing counseling services, including Pre-Purchase, Rental, Default/Foreclosure, HECM Default, and HECM Counseling. Our counselors conduct comprehensive budget analysis, help develop action plans, and liaise with lenders and servicers when necessary. The core focus of our housing counseling is on promoting housing stability, affordability, and advocacy.Expenses $1,469,177 · revenue $1,304,980
- Community OutreachThrough collaborations with public and nonprofit organizations, as well as our referral relationships with financial institutions, we connect with populations most in need of our services and promote positive financial management and overall well-being. Our Financial Education Program offers efficient and effective delivery of financial education outreach, in both English and Spanish, to individuals and families seeking assistance.Expenses $751,531 · revenue $103,350
- Pre/Post-Bankruptcy Counseling and EducationApproved by the Executive Office of the US Trustees, the Organization is authorized to provide certificates for completion of pre- and post-bankruptcy counseling and financial management education courses, as required by the Bankruptcy Code.Expenses $30,935 · revenue $4,500
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 22-3120920
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1992
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51Z)
- Assets (IRS master file)
- $11,862,130
- Income (IRS master file)
- $17,292,460
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $16,792,460 | $16,447,724 | $11,862,130 | XML |
| 990-T | December 2024 | – | – | – | IRS |
| 990 | December 2023 | $15,059,714 | $14,875,769 | $13,783,103 | XML |
| 990-T | December 2023 | – | – | – | IRS |
| 990 | December 2022 | $14,075,218 | $13,538,958 | $14,481,637 | IRS |
| 990-T | December 2022 | – | – | – | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990-T | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990-T | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 22-3120920).
Questions about NAVICORE SOLUTIONS INC
- What is the EIN of NAVICORE SOLUTIONS INC?
- The employer identification number (EIN) of NAVICORE SOLUTIONS INC is 22-3120920.
- Is NAVICORE SOLUTIONS INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1992.
- Are donations to NAVICORE SOLUTIONS INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does NAVICORE SOLUTIONS INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of NAVICORE SOLUTIONS INC due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did NAVICORE SOLUTIONS INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of NAVICORE SOLUTIONS INC?
- The 990 for the year ended December 31, 2024 names Jill Feldman.
- Who are the officers and directors of NAVICORE SOLUTIONS INC?
- The 990 for the year ended December 31, 2024 lists 18 people; 10 received compensation from the organization, the highest $361,823 (Jill Feldman, President & CEO).
- How much revenue does NAVICORE SOLUTIONS INC have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $16,792,460, expenses of $16,447,724 and total assets of $11,862,130 at year end.
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