Liabilities / Assets
95th percentile
Higher debt load relative to assets than 95% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
1.01x
Liabilities / Revenue
98th percentile
Higher debt load relative to revenue than 98% of similar nonprofits.
Net Margin
42nd percentile
Higher net margin than 42% of similar nonprofits.
Top Officer Pay
96th percentile
Higher top officer pay than 96% of similar nonprofits.
Top officer pay equals 69.7% of source-year revenue.
Asset Growth
78th percentile
Faster asset growth than 78% of similar nonprofits.
Revenue Growth
81st percentile
Faster revenue growth than 81% of similar nonprofits.
Balance Sheet
Assets
Up$259,627
Up $61,631 (+31%) from 2017
Net Assets
Up-$2,555
Up $278 (+9.8%) from 2017
Liabilities
Up$262,182
Up $61,353 (+31%) from 2017
Revenue And Expenses
Revenue
Up$98,293
Up $26,292 (+37%) from 2017
Expenses
Up$98,016
Up $23,182 (+31%) from 2017
Net Income
Up$277
Up $3,110 (+110%) from 2017
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2018 to Dec 31, 2018
- Signed
- May 8, 2019
- Return Version
- 2018v3.1
- Gross Receipts
- $98,293
Mission and Program Overview
Mission
Provide monthly bill payment services
Provide monthly bill payment services.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. | - | $29,487 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| BRENDA BERTRAM | President | FT | $68,529 | - | $68,529 |
| GEORGE WALL | Vice Preside | - | $0 | - | - |
| JEANNIE RYALL | Secretary | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Able Pay Inc
- EIN
- 47-1159278
- Phone
- 9712016693
- Address
- PO BOX 10632, PORTLAND, OR 97296
Signing Officer
- Name
- Brenda Bertram
- Title
- President
- Phone
- 9712016693
- Signed
- 2019-05-08
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Downing & Corzatt LLC
- Address
- 5933 NE WIN SIVERS STE 102, PORTLAND, OR 97220-9056
- Preparer
- Timothy a Downing
- Phone
- 5032579611
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 16
“Expenses bank analysis fees 5,073 business registration fees 60 computer & internet fees 436 dues & subscriptions 3,273 equipment rental 280 supplies expense 2,047 telephone expense 828 payroll taxes 6,471 payroll processing fees 543 state ct-12 tax 90 contract services 2,610 cost of services 1,193 small office equipment 519 meals & entertainment 1,518 parking expense 193 bond expense 738 total 25,872”
Form 990-ez, Part II, Line 26
“Payroll liabilities 1,626 860 unrestricted net assets 3,636 3,636 client trust accounts 195,567 257,686”
Raw XML Appendix127 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | BRENDA BERTRAM |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 9712016693 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 10632 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | PORTLAND |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OR |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 97296 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 197997 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 259627 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 277 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 936 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 197997 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 259627 |
| IRS990EZ/GrossReceiptsAmt | 0 | 98293 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | -2832 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | -2555 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | -2832 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | -2555 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 40.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 68529 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | BRENDA BERTRAM |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | GEORGE WALL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JEANNIE RYALL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE PRESIDE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 25872 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PROVIDE MONTHLY BILL PAYMENT SERVICES. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 2679 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 98293 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 29487 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 68529 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 200829 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 262182 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 98016 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 29487 |
| IRS990EZ/TotalRevenueAmt | 0 | 98293 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 98293 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 72001 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 170294 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00000 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00000 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 170294 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 98293 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 72001 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 170294 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 98293 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 72001 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 170294 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES BANK ANALYSIS FEES 5,073 BUSINESS REGISTRATION FEES 60 COMPUTER & INTERNET FEES 436 DUES & SUBSCRIPTIONS 3,273 EQUIPMENT RENTAL 280 SUPPLIES EXPENSE 2,047 TELEPHONE EXPENSE 828 PAYROLL TAXES 6,471 PAYROLL PROCESSING FEES 543 STATE CT-12 TAX 90 CONTRACT SERVICES 2,610 COST OF SERVICES 1,193 SMALL OFFICE EQUIPMENT 519 MEALS & ENTERTAINMENT 1,518 PARKING EXPENSE 193 BOND EXPENSE 738 TOTAL 25,872 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | PAYROLL LIABILITIES 1,626 860 UNRESTRICTED NET ASSETS 3,636 3,636 CLIENT TRUST ACCOUNTS 195,567 257,686 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 26 |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | BRENDA BERTRAM |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9712016693 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2019-05-08 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | ABLE PAY INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | ABLE |
| ReturnHeader/Filer/EIN | 0 | 471159278 |
| ReturnHeader/Filer/PhoneNum | 0 | 9712016693 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 10632 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | PORTLAND |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | OR |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 97296 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 6E9F428E2D34B9033604C478D6A5B33DEF313AE3 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 6E9F428E2D34B9033604C478D6A5B33DEF313AE3 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 167.68.16.49 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2019-05-14 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 18:22:54 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 464221909 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | DOWNING & CORZATT LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 5933 NE WIN SIVERS STE 102 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | PORTLAND |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | OR |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 972209056 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5032579611 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2019-05-08 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | TIMOTHY A DOWNING |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2019-05-14T18:22:54-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2018-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2018-12-31 |
| ReturnHeader/TaxYr | 0 | 2018 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2018 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $259,627
- Liabilities
- $262,182
- Net assets
- -$2,555
- Revenue
- $98,293
- Expenses
- $98,016
- Net income
- $277