Civic Intelligence

Ablepay Inc.

990EZ • Fiscal year 2020 • EIN 47-1159278

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 22, 2021

Organization ProfileN/A
PO Box 10632Portland, OR 97296

(971) 201-6693

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

94th percentile

1.01x

Higher debt load relative to assets than 94% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

97th percentile

2.06x

Higher debt load relative to revenue than 97% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Net Margin

42nd percentile

0.6%

Higher net margin than 42% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Top Officer Pay

96th percentile

$75,044

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 72.8% of source-year revenue.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Asset Growth

25th percentile

-13%

Faster asset growth than 25% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

71st percentile

7.9%

Faster revenue growth than 71% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$210,934

Down $30,161 (-13%) from 2019

Net Assets

Up

-$1,809

Up $614 (+25%) from 2019

Liabilities

Down

$212,743

Down $30,775 (-13%) from 2019

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin42nd percentile

Revenue

Up

$103,078

Up $7,527 (+7.9%) from 2019

Expenses

Up

$102,464

Up $7,045 (+7.4%) from 2019

Net Income

Up

$614

Up $482 (+365%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300K$200K$100K$0-$100KAssets 2017: $197,996Liabilities 2017: $200,829Net Assets 2017: -$2,8332017Assets 2018: $259,627Liabilities 2018: $262,182Net Assets 2018: -$2,5552018Assets 2019: $241,095Liabilities 2019: $243,518Net Assets 2019: -$2,4232019Assets 2020: $210,934Liabilities 2020: $212,743Net Assets 2020: -$1,8092020Assets 2021: $274,159Liabilities 2021: $275,244Net Assets 2021: -$1,0852021Assets 2022: $292,720Liabilities 2022: $290,482Net Assets 2022: $2,2382022Assets 2023: $174,763Liabilities 2023: $171,828Net Assets 2023: $2,9352023Assets 2024: $213,908Liabilities 2024: $205,243Net Assets 2024: $8,6652024

Highlighted filing

2020

Assets$210,934
Liabilities$212,743
Net Assets-$1,809
Open 2020 Filing

Operations Trend

Revenue Growth71st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$150K$100K$50K$0-$50KRevenue 2017: $72,001Expenses 2017: $74,834Net Income 2017: -$2,8332017Revenue 2018: $98,293Expenses 2018: $98,016Net Income 2018: $2772018Revenue 2019: $95,551Expenses 2019: $95,419Net Income 2019: $1322019Revenue 2020: $103,078Expenses 2020: $102,464Net Income 2020: $6142020Revenue 2021: $106,716Expenses 2021: $105,983Net Income 2021: $7332021Revenue 2022: $114,146Expenses 2022: $110,832Net Income 2022: $3,3142022Revenue 2023: $121,362Expenses 2023: $120,665Net Income 2023: $6972023Revenue 2024: $124,284Expenses 2024: $118,554Net Income 2024: $5,7302024

Highlighted filing

2020

Revenue$103,078
Expenses$102,464
Net Income$614
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 22, 2021
Return Version
2020v4.0
Gross Receipts
$103,078
Mission and Program Overview

Mission

Provide monthly bill payment services

Provide monthly bill payment services.

Program Services

DescriptionGrantsExpenses
INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY.-$102,464
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
BRENDA BERTRAMPresident-$75,044-$75,044
GEORGE WALLVice Preside-$0--
JEANNIE RYALLSecretary-$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
2021-04-22
Discuss with paid preparer
Yes

Preparer

Firm
Downing & Caba 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 5,843 business registration fees 110 computer & internet fees 324 dues & subscriptions 3,567 equipment rental 239 supplies expense 1,681 telephone expense 842 payroll taxes 6,247 payroll processing fees 593 state ct-12 tax 90 contract services 3,120 meals & entertainment 61 parking expense 44 bond expense 718 total 23,479”

Form 990-ez, Part II, Line 26

“Payroll liabilities 1,459 1,845 unrestricted net assets 3,635 3,635 client trust accounts 238,424 207,263”

Raw XML Appendix131 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
CompensationExplanation/CompensationExplanationGrp/PersonNm0BRENDA BERTRAM
CompensationExplanation/CompensationExplanationGrp/PersonNm1GEORGE WALL
CompensationExplanation/CompensationExplanationGrp/PersonNm2JEANNIE RYALL
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0BRENDA BERTRAM
IRS990EZ/BooksInCareOfDetail/PhoneNum09712016693
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 10632
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0PORTLAND
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OR
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd097296
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0241095
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0210934
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0614
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0585
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0241095
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0210934
IRS990EZ/GrossReceiptsAmt0103078
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-2423
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-1809
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-2423
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-1809
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt075044
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0BRENDA BERTRAM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1GEORGE WALL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JEANNIE RYALL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt023479
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0PROVIDE MONTHLY BILL PAYMENT SERVICES.
IRS990EZ/PrintingPublicationsPostageAmt03356
IRS990EZ/ProgramServiceRevenueAmt0103078
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0102464
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt075044
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0243518
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0212743
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0102464
IRS990EZ/TotalProgramServiceExpensesAmt0102464
IRS990EZ/TotalRevenueAmt0103078
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0103078
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt095551
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt098293
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt072001
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0368923
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0368923
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0103078
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt095551
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt098293
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt072001
IRS990ScheduleA/Total509Grp/TotalAmt0368923
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0103078
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt095551
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt098293
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt072001
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0368923
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES BANK ANALYSIS FEES 5,843 BUSINESS REGISTRATION FEES 110 COMPUTER & INTERNET FEES 324 DUES & SUBSCRIPTIONS 3,567 EQUIPMENT RENTAL 239 SUPPLIES EXPENSE 1,681 TELEPHONE EXPENSE 842 PAYROLL TAXES 6,247 PAYROLL PROCESSING FEES 593 STATE CT-12 TAX 90 CONTRACT SERVICES 3,120 MEALS & ENTERTAINMENT 61 PARKING EXPENSE 44 BOND EXPENSE 718 TOTAL 23,479
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PAYROLL LIABILITIES 1,459 1,845 UNRESTRICTED NET ASSETS 3,635 3,635 CLIENT TRUST ACCOUNTS 238,424 207,263
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BRENDA BERTRAM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09712016693
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ABLE PAY INC
ReturnHeader/Filer/BusinessNameControlTxt0ABLE
ReturnHeader/Filer/EIN0471159278
ReturnHeader/Filer/PhoneNum09712016693
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 10632
ReturnHeader/Filer/USAddress/CityNm0PORTLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OR
ReturnHeader/Filer/USAddress/ZIPCd097296
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0464221909
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DOWNING & CABA LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05933 NE WIN SIVERS STE 102
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PORTLAND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0972209056
ReturnHeader/PreparerPersonGrp/PhoneNum05032579611
ReturnHeader/PreparerPersonGrp/PreparationDt02021-04-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TIMOTHY A DOWNING
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02021-05-13T19:07:01-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0BRENDA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0BERTRAM
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$210,934
Liabilities
$212,743
Net assets
-$1,809
Revenue
$103,078
Expenses
$102,464
Net income
$614
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.14$2.05$0.09$1.24$1.19$0.06
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.75$1.72$0.03$1.21$1.21$0.01
2022Detailed filing. Detailed filing data is available for this year.$2.93$2.90$0.02$1.14$1.11$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.74$2.75$0.01$1.07$1.06$0.01
2020Detailed filing. Detailed filing data is available for this year.$2.11$2.13$0.02$1.03$1.02$0.01
2019Detailed filing. Detailed filing data is available for this year.$2.41$2.44$0.02$0.96$0.95$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.60$2.62$0.03$0.98$0.98$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.98$2.01$0.03$0.72$0.75$0.03