What Verdica's 656 score means for Judy Timm
Judy Timm's composite score of 656 out of 850 places her in the "elevated risk" band (580–669). This grade B rating reflects mixed compliance signals. The score is not in the high-risk zone, but it sits meaningfully below the "acceptable" threshold of 670, signaling that prospective clients should conduct additional due diligence before engagement.
A 656 score suggests the provider has material strengths in some areas—most notably a very strong PCAOB audit record—but notable weaknesses in others, particularly licensing and credentials. For business owners or individuals seeking accounting services, this score warrants a careful review of qualifications and track record before committing. It does not automatically disqualify the provider, but it does indicate that scrutiny is warranted.
How the sub-scores break down
License & Credentials (340/850): This is a below-average score that indicates gaps in formal qualifications, certifications, or state registration standing. In the accounting field, this dimension typically reflects factors such as missing or inactive professional licenses (CPA, Enrolled Agent, etc.), incomplete continuing education documentation, or unresolved registration issues with state boards. A score of 340 is significantly low and represents the primary drag on Judy Timm's overall rating.
PCAOB Record (810/850): This is a strong score reflecting a clean or near-clean history in PCAOB audit quality reviews. The Public Company Accounting Oversight Board evaluates audits of public companies for compliance with auditing standards, internal control assessments, and quality control procedures. A score of 810 suggests that any audit-related inspections or findings have been minor or resolved, indicating competent execution in audit work where it has been monitored.
Disciplinary (850/850): This perfect score indicates no substantive disciplinary actions, complaints, or sanctions on record with the state board or other regulators. This is a positive signal—it means there is no documented history of fraud, ethical violations, failure to comply with regulations, or other conduct grounds for regulatory action.
What regulators in CO track for accounting providers
Colorado's state board and the PCAOB use different lenses to assess accounting provider quality:
State Board Registration & Licensing: Colorado requires accountants offering services to the public to hold appropriate licenses. The state board verifies credentials, monitors continuing professional education (CPE) compliance, and investigates complaints. Low scores in this dimension typically reflect licensing lapses, incomplete CPE hours, or credential misalignment with the services being offered.
PCAOB Audit Inspections: The PCAOB conducts annual or triennial inspections of accounting firms that audit public companies or broker-dealers. Inspectors evaluate whether audits comply with PCAOB standards, whether auditors properly assessed internal controls, and whether workpaper documentation meets professional requirements. Findings are categorized by severity; repeated or unresolved findings lower scores in this dimension.
Disciplinary Records: State boards investigate complaints and can impose discipline for violations of professional conduct rules, dishonesty, incompetence, or regulatory non-compliance. A clean disciplinary record means no substantiated findings.
These three data streams give regulators—and through Verdica, the public—a multi-angle view of provider reliability and compliance posture.
Bottom line
Judy Timm's elevated-risk score is driven primarily by credential and licensing concerns, despite strong audit quality history and a clean disciplinary record. Before engaging her services, request current copies of any professional licenses, verify CPE standing, and clarify the scope of services she is licensed to provide in Colorado. The PCAOB strength suggests competent technical work, but the credentials gap is a material flag worth resolving directly.