REACHINGU A FOUNDATION FOR URUGUAY

Changing lives through education in Uruguay

aka ReachingU | Key Biscayne, FL | http://reachingu.org/

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GuideStar Charity Check

EIN: 01-0599150

Contributions tax deductible
as of March 2023

IRS BMF 509(a)(1)
as of March 13, 2023

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Charity Check report

Mission

At Fundación ReachingU we believe that providing a comprehensive quality education to the most vulnerable children and teens in Uruguay contributes to their well-being and that of the entire community.

Ruling year info

2003

Executive Director

Mrs. Fernanda Guliak

Main address

328 Crandon Blvd, Suite 119-308

Key Biscayne, FL 33149 USA

Show more contact info

EIN

01-0599150

Subject area info

Education

International development

Disaster relief

Population served info

Children and youth

Women and girls

Low-income people

NTEE code info

International Relief (Q33)

IRS subsection

501(c)(3) Public Charity

IRS filing requirement

This organization is required to file an IRS Form 990 or 990-EZ.

Tax forms

Show Forms 990

Communication

Programs and results

Reports and documents

What we aim to solve

This profile needs more info.

If it is your nonprofit, add a problem overview.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

ReachingU

ReachingU is a foundation that co-creates and financially supports programs aimed at improving the education of the most vulnerable children and adolescents in Uruguay.

We promote and provide funding for quality and high-impact educational programs in private and public institutions of our country.

We believe that every child has the right to learn, so we fund programs that focus on the student and the quality of their learning.

All the programs that we fund aim directly at the main challenges faced by Uruguayan education.

Population(s) Served

Children and youth

Where we work

External reviews

Photos

Videos

Financials

REACHINGU A FOUNDATION FOR URUGUAY

Fiscal year: Jan 01 - Dec 31

Financial documents

Yes, financials were audited by an independent accountant.

Revenue vs. expenses: breakdown

SOURCE: IRS Form 990

NET GAIN/LOSS: in

Note: When component data are not available, the graph displays the total Revenue and/or Expense values.

Liquidity in 2020

SOURCE: IRS Form 990

24.01

Average of 51.35 over 10 years

Months of cash in 2020

SOURCE: IRS Form 990

19.6

Average of 14.2 over 10 years

Fringe rate in 2020

SOURCE: IRS Form 990

9%

Average of 13% over 10 years

Funding sources

Source: IRS Form 990

Assets & liabilities

Source: IRS Form 990

Financial data

Source: IRS Form 990

Digitizing IRS form 990 data

REACHINGU A FOUNDATION FOR URUGUAY

Revenue & expenses

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990

Fiscal year ending: Download Data

Revenue
Contributions	$132,791
Program Services	$0
Investments	$686
Special Events	$28,922
Sales	$0
Other	$0
Total Revenue	$162,399

Expenses
Grants	$97,266
Salaries & Employee Benefits	$0
Professional Fees	$6,500
Occupancy	$94
Printing, Publications, Postage, etc.	$3,764
Other Expenses	$4,164
Total Expenses	$111,788
Net Gain/Loss	$50,611

Revenue
Contributions	$373,035
Program Services	$0
Investments	$878
Special Events	($53,038)
Sales	$0
Other	$159
Total Revenue	$321,034

Expenses
Grants	$147,582
Salaries & Employee Benefits	$0
Professional Fees	$14,077
Occupancy	$0
Printing, Publications, Postage, etc.	$5,392
Other Expenses	$8,358
Total Expenses	$175,409
Net Gain/Loss	$145,625

Revenue
Contributions	$483,533
Government Grants	$0
Program Services	$0
Investments	$282
Special Events	($73,399)
Sales	$0
Other	$0
Total Revenue	$410,416

Expenses
Program Services	$242,833
Administration	$23,587
Fundraising	$3,066
Total Expenses	$269,486
Net Gain/Loss	$140,930

Functional expenses
Accounting Fees	$0
Advertising & Promotion	$647
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$353,288
Government Grants	$0
Program Services	$0
Investments	$66
Special Events	($15,042)
Sales	$0
Other	$158
Total Revenue	$338,470

Expenses
Program Services	$322,244
Administration	$36,100
Fundraising	$12,615
Total Expenses	$370,959
Net Gain/Loss	($32,489)

Functional expenses
Accounting Fees	$0
Advertising & Promotion	$5,103
Information Technology Expenses	$40
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$621,043
Government Grants	$0
Program Services	$0
Investments	$51
Special Events	$0
Sales	$0
Other	$1,320
Total Revenue	$622,414

Expenses
Program Services	$366,283
Administration	$51,494
Fundraising	$18,902
Total Expenses	$436,679
Net Gain/Loss	$185,735

Functional expenses
Accounting Fees	$7,341
Advertising & Promotion	$5,111
Information Technology Expenses	$2,971
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$11,510
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$646,543
Government Grants	$0
Program Services	$0
Investments	$25
Special Events	($25,565)
Sales	$0
Other	$0
Total Revenue	$621,003

Expenses
Program Services	$386,437
Administration	$53,012
Fundraising	$42,714
Total Expenses	$482,163
Net Gain/Loss	$138,840

Functional expenses
Accounting Fees	$6,050
Advertising & Promotion	$7,766
Information Technology Expenses	$500
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$24,031
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$5,570,097
Government Grants	$0
Program Services	$0
Investments	$39
Special Events	($227,165)
Sales	$0
Other	$5,566
Total Revenue	$5,348,537

Expenses
Program Services	$970,093
Administration	$53,107
Fundraising	$52,106
Total Expenses	$1,075,306
Net Gain/Loss	$4,273,231

Functional expenses
Accounting Fees	$19,175
Advertising & Promotion	$14,598
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$1,667,087
Government Grants	$0
Program Services	$0
Investments	$3
Special Events	($144,792)
Sales	$0
Other	$3
Total Revenue	$1,522,301

Expenses
Program Services	$4,211,379
Administration	$73,285
Fundraising	$74,896
Total Expenses	$4,359,560
Net Gain/Loss	($2,837,259)

Functional expenses
Accounting Fees	$12,515
Advertising & Promotion	$23,507
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$1,756,081
Government Grants	$0
Program Services	$0
Investments	$6
Special Events	($106,278)
Sales	$0
Other	$4,604
Total Revenue	$1,654,413

Expenses
Program Services	$2,210,989
Administration	$82,031
Fundraising	$65,529
Total Expenses	$2,358,549
Net Gain/Loss	($704,136)

Functional expenses
Accounting Fees	$24,815
Advertising & Promotion	$8,817
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$3,954,206
Government Grants	$0
Program Services	$0
Investments	$6
Special Events	$575,240
Sales	$0
Other	$0
Total Revenue	$4,529,452

Expenses
Program Services	$3,141,339
Administration	$101,239
Fundraising	$54,588
Total Expenses	$3,297,166
Net Gain/Loss	$1,232,286

Functional expenses
Accounting Fees	$28,120
Advertising & Promotion	$6,451
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$20,077
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$1,527,441
Government Grants	$0
Program Services	$0
Investments	$52
Special Events	($77,594)
Sales	$0
Other	$0
Total Revenue	$1,449,899

Expenses
Program Services	$2,722,200
Administration	$70,778
Fundraising	$55,809
Total Expenses	$2,848,787
Net Gain/Loss	($1,398,888)

Functional expenses
Accounting Fees	$3,390
Advertising & Promotion	$2,782
Information Technology Expenses	$0
Insurance Expenses	$0
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$659
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$893,005
Government Grants	$0
Program Services	$0
Investments	$0
Special Events	($150,948)
Sales	$0
Other	$0
Total Revenue	$742,057

Expenses
Program Services	$639,678
Administration	$86,962
Fundraising	$53,399
Total Expenses	$780,039
Net Gain/Loss	($37,982)

Functional expenses
Accounting Fees	$15,196
Advertising & Promotion	$1,838
Information Technology Expenses	$0
Insurance Expenses	$2,773
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$1,224,898
Government Grants	$0
Program Services	$0
Investments	$675
Special Events	($34,419)
Sales	$0
Other	($701)
Total Revenue	$1,190,453

Expenses
Program Services	$678,336
Administration	$92,781
Fundraising	$102,442
Total Expenses	$873,559
Net Gain/Loss	$316,894

Functional expenses
Accounting Fees	$18,611
Advertising & Promotion	$8,035
Information Technology Expenses	$0
Insurance Expenses	$3,838
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$4,956
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

REACHINGU A FOUNDATION FOR URUGUAY

Balance sheet

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990

The balance sheet gives a snapshot of the financial health of an organization at a particular point in time. An organization's total assets should generally exceed its total liabilities, or it cannot survive long, but the types of assets and liabilities must also be considered. For instance, an organization's current assets (cash, receivables, securities, etc.) should be sufficient to cover its current liabilities (payables, deferred revenue, current year loan, and note payments). Otherwise, the organization may face solvency problems. On the other hand, an organization whose cash and equivalents greatly exceed its current liabilities might not be putting its money to best use.

Fiscal year ending: Download Data

Assets	Jan 01, 2008	Dec 31, 2008	Change
Contributions	$132,791
Cash & Equivalents	$81,040	$114,397	$33,357
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$3,550	$3,000	($550)
Total Assets	$84,590	$117,397	$32,807

Liabilities	Jan 01, 2008	Dec 31, 2008	Change
Total Liabilities	$20,294	$2,490	($17,804)

Fund balance	Jan 01, 2008	Dec 31, 2008	Change
Net Assets	$64,296	$114,907	$50,611

Assets	Jan 01, 2009	Dec 31, 2009	Change
Contributions	$373,035
Cash & Equivalents	$114,397	$254,562	$140,165
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$3,000	$6,970	$3,970
Total Assets	$117,397	$261,532	$144,135

Liabilities	Jan 01, 2009	Dec 31, 2009	Change
Total Liabilities	$2,490	$1,000	($1,490)

Fund balance	Jan 01, 2009	Dec 31, 2009	Change
Net Assets	$114,907	$260,532	$145,625

Assets	Jan 01, 2010	Dec 31, 2010	Change
Contributions	$483,533
Cash & Equivalents	$254,562	$384,122	$129,560
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$0	$0	$0
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$6,970	$18,340	$11,370
Total Assets	$261,532	$402,462	$140,930

Liabilities	Jan 01, 2010	Dec 31, 2010	Change
Accounts Payable	$0	$0	$0
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$1,000	$1,000	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$0	$0	$0
Total Liabilities	$1,000	$1,000	$0

Fund balance	Jan 01, 2010	Dec 31, 2010	Change
Temporarily Restricted Net Assets	$0	$0	$0
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$0	$0	$0
Unrestricted Net Assets	$260,532	$401,462	$140,930
Net Assets	$260,532	$401,462	$140,930

Assets	Jan 01, 2011	Dec 31, 2011	Change
Contributions	$353,288
Cash & Equivalents	$384,122	$413,199	$29,077
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$0	$0	$0
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$18,340	$8,660	($9,680)
Total Assets	$402,462	$421,859	$19,397

Liabilities	Jan 01, 2011	Dec 31, 2011	Change
Accounts Payable	$0	$42,886	$42,886
Grants Payable	$0	$10,000	$10,000
Deferred Revenue	$0	$0	$0
Loans and Notes	$1,000	$0	($1,000)
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$0	$0	$0
Total Liabilities	$1,000	$52,886	$51,886

Fund balance	Jan 01, 2011	Dec 31, 2011	Change
Temporarily Restricted Net Assets	$0	$0	$0
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$0	$0	$0
Unrestricted Net Assets	$401,462	$368,973	($32,489)
Net Assets	$401,462	$368,973	($32,489)

Assets	Jan 01, 2012	Dec 31, 2012	Change
Contributions	$621,043
Cash & Equivalents	$413,199	$569,124	$155,925
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$0	$0	$0
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$8,660	$12,650	$3,990
Total Assets	$421,859	$581,774	$159,915

REACHINGU A FOUNDATION FOR URUGUAY

Financial trends analysis Glossary & formula definitions

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990

This snapshot of REACHINGU A FOUNDATION FOR URUGUAY’s financial trends applies Nonprofit Finance Fund® analysis to data hosted by GuideStar. While it highlights the data that matter most, remember that context is key – numbers only tell part of any story.

Created in partnership with

Fiscal year: Jan 01 - Dec 31 View full report Download data

Business model indicators

Profitability	2016	2017	2018	2019	2020
Unrestricted surplus (deficit) before depreciation	-$1,674	$335,343	-$353,888	-$70,982	$347,724
As % of expenses	-0.1%	10.2%	-12.4%	-9.1%	39.8%
Unrestricted surplus (deficit) after depreciation	-$1,674	$335,343	-$353,888	-$70,982	$347,724
As % of expenses	-0.1%	10.2%	-12.4%	-9.1%	39.8%

Revenue composition
Total revenue (unrestricted & restricted)	$1,654,413	$4,529,452	$1,449,899	$742,057	$1,190,453
Total revenue, % change over prior year	8.7%	173.8%	-68.0%	-48.8%	60.4%
Program services revenue	0.0%	0.0%	0.0%	0.0%	0.0%
Membership dues	0.0%	0.0%	0.0%	0.0%	0.0%
Investment income	0.0%	0.0%	0.0%	0.0%	0.1%
Government grants	0.0%	0.0%	0.0%	0.0%	0.0%
All other grants and contributions	99.7%	100.0%	100.0%	100.0%	100.0%
Other revenue	0.3%	0.0%	0.0%	0.0%	-0.1%

Expense composition
Total expenses before depreciation	$2,358,549	$3,297,166	$2,848,787	$780,039	$873,559
Total expenses, % change over prior year	-45.9%	39.8%	-13.6%	-72.6%	12.0%
Personnel	8.2%	5.5%	6.8%	25.1%	25.0%
Professional fees	1.1%	1.5%	0.3%	2.6%	2.8%
Occupancy	0.0%	0.0%	0.0%	0.0%	0.0%
Interest	0.0%	0.0%	0.0%	0.0%	0.0%
Pass-through	89.6%	92.5%	92.2%	69.4%	66.9%
All other expenses	1.0%	0.5%	0.8%	2.9%	5.3%

Full cost components (estimated)	2016	2017	2018	2019	2020
Total expenses (after depreciation)	$2,358,549	$3,297,166	$2,848,787	$780,039	$873,559
One month of savings	$196,546	$274,764	$237,399	$65,003	$72,797
Debt principal payment	$0	$0	$0	$0	$0
Fixed asset additions	$0	$0	$0	$0	$0
Total full costs (estimated)	$2,555,095	$3,571,930	$3,086,186	$845,042	$946,356

Capital structure indicators

Liquidity	2016	2017	2018	2019	2020
Months of cash	7.1	9.2	4.6	16.8	19.6
Months of cash and investments	7.1	9.2	4.6	16.8	19.6
Months of estimated liquid unrestricted net assets	6.3	5.8	4.8	16.4	19.4

Balance sheet composition	2016	2017	2018	2019	2020
Cash	$1,396,228	$2,528,395	$1,103,791	$1,090,850	$1,424,914
Investments	$0	$0	$0	$0	$0
Receivables	$90,480	$126,780	$95,650	$73,024	$85,000
Gross land, buildings, equipment (LBE)	$0	$0	$0	$0	$0
Accumulated depreciation (as a % of LBE)	0.0%	0.0%	0.0%	0.0%	0.0%
Liabilities (as a % of assets)	5.8%	0.3%	2.7%	2.9%	4.2%
Unrestricted net assets	$1,246,616	$1,581,959	$1,137,171	$1,066,189	$1,413,913
Temporarily restricted net assets	$178,768	$1,075,711	$30,948	N/A	N/A
Permanently restricted net assets	$0	$0	$0	N/A	N/A
Total restricted net assets	$178,768	$1,075,711	$30,948	$63,948	$33,118
Total net assets	$1,425,384	$2,657,670	$1,168,119	$1,130,137	$1,447,031

Key data checks

Key data checks	2016	2017	2018	2019	2020
Material data errors	No	No	No	No	No

Operations

The people, governance practices, and partners that make the organization tick.

Documents

Letter of Determination

Form 1023/1024 is not available for this organization

Executive Director

Mrs. Fernanda Guliak

LinkedIn profile

Fernanda Guliak was appointed as Executive Director in mid-2013. Before holding this position, Fernanda was a ReachingU volunteer and for many years she worked as Development Director in New York. Fernanda is an Economist, graduated from Columbia University in New York. Fernanda lived most of her life outside Uruguay, in Mexico City, New York and São Paulo. In Mexico, she studied part of her degree at the ITAM (Autonomous Technological Institute of Mexico) and in São Paulo she completed a diploma course on Corporate Social Responsibility at the Getulio Vargas Foundation.

Number of employees

Source: IRS Form 990

REACHINGU A FOUNDATION FOR URUGUAY

Officers, directors, trustees, and key employees

SOURCE: IRS Form 990

Compensation

Other

Show data for fiscal year

Compensation data

Download up to 5 most recent years of officer and director compensation data for this organization

There are no highest paid employees recorded for this organization.

REACHINGU A FOUNDATION FOR URUGUAY

Board of directors
as of 02/23/2023

SOURCE: Self-reported by organization

Board of directors data

Download the most recent year of board of directors data for this organization

Board co-chair

Mr. Aldo Polak

Cisneros Group

Term: 2023 - 2024

Board co-chair

Mrs. Beatriz Ponce de León

Arbusta

Term: 2024 - 2023

Pablo Spiller

Compass Lexecon

Gustavo Civetta

UBS

Jimena Folle

Independent Consultant

Clara Giambruno

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Pablo Haberer

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Susana Hernández

BigSur Partners

Diego Iturburu

UBS AG

Carlos Martínez

Proskauer Rose LLP

Gabriel Rozman

Tokai Ventures & Consulting

Ricardo Salmon

Hill View Capital Advisors

Álvaro Stainfeld

MC Capital Group

Nicholas Stanham

R&S International Law Group LLP

Román Viñoly

Rafael Viñoly Architects PC

Isabel Aznarez

Stoke Therapeutics

Roberto Weisz

R.P.W. Group

Board leadership practices

SOURCE: Self-reported by organization

GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.

Board orientation and education
Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes
CEO oversight
Has the board conducted a formal, written assessment of the chief executive within the past year ? Not applicable
Ethics and transparency
Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes
Board composition
Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? No
Board performance
Has the board conducted a formal, written self-assessment of its performance within the past three years? Yes

Organizational demographics

SOURCE: Self-reported; last updated 8/9/2022

Candid has made improvements to the race and ethnicity options.

Who works and leads organizations that serve our diverse communities? Candid partnered with CHANGE Philanthropy on this demographic section.

Leadership

The organization's leader identifies as:

Race & ethnicity

Hispanic/Latino/Latina/Latinx

Gender identity

Female

Sexual orientation

Decline to state

Disability status

Decline to state

Race & ethnicity

No data

Gender identity

Sexual orientation

No data

Disability

No data

There are no contractors recorded for this organization.

Professional fundraisers

Fiscal year ending

SOURCE: IRS Form 990 Schedule G

Solicitation activities

Gross receipts from fundraising

Retained by organization

Paid to fundraiser

REACHINGU A FOUNDATION FOR URUGUAY

Changing lives through education in Uruguay

Mission

Is this your nonprofit?

Programs and results

Reports and documents

What we aim to solve

This profile needs more info.

Our programs

ReachingU

Where we work

Our Sustainable Development Goals

Financials

Financial documents

Revenue vs. expenses: breakdown

Liquidity in 2020 info

24.01

Months of cash in 2020 info

19.6

Fringe rate in 2020 info

9%

Funding sources info

Assets & liabilities info

Financial data

Digitizing IRS form 990 data

REACHINGU A FOUNDATION FOR URUGUAY

REACHINGU A FOUNDATION FOR URUGUAY

REACHINGU A FOUNDATION FOR URUGUAY

Business model indicators

Capital structure indicators

Key data checks

Operations

Documents

Executive Director

Mrs. Fernanda Guliak

Number of employees

REACHINGU A FOUNDATION FOR URUGUAY

Compensation data

REACHINGU A FOUNDATION FOR URUGUAY

Board of directors data

Mr. Aldo Polak

Mrs. Beatriz Ponce de León

Board leadership practices

Board orientation and education

CEO oversight

Ethics and transparency

Board composition

Board performance

Organizational demographics

Leadership

Race & ethnicity

Gender identity

Sexual orientation

Disability

Professional fundraisers

Solicitation activities

Liquidity in 2020

Months of cash in 2020

Fringe rate in 2020

Funding sources

Assets & liabilities