Liabilities / Assets
94th percentile
Higher debt load relative to assets than 94% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.99x
Liabilities / Revenue
98th percentile
Higher debt load relative to revenue than 98% of similar nonprofits.
Net Margin
47th percentile
Higher net margin than 47% of similar nonprofits.
Top Officer Pay
78th percentile
Higher top officer pay than 78% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
58th percentile
Faster asset growth than 58% of similar nonprofits.
Revenue Growth
48th percentile
Faster revenue growth than 48% of similar nonprofits.
Balance Sheet
Assets
Up$292,720
Up $18,561 (+6.8%) from 2021
Net Assets
Up$2,238
Up $3,323 (+306%) from 2021
Liabilities
Up$290,482
Up $15,238 (+5.5%) from 2021
Revenue And Expenses
Revenue
Up$114,146
Up $7,430 (+7.0%) from 2021
Expenses
Up$110,832
Up $4,849 (+4.6%) from 2021
Net Income
Up$3,314
Up $2,581 (+352%) from 2021
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2022 to Dec 31, 2022
- Signed
- Apr 16, 2023
- Return Version
- 2022v5.0
- Gross Receipts
- $114,146
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. | - | $110,404 |
| INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. | - | $428 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| BRENDA BERTRAM | President | - | $0 | - | - |
| 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
- 2023-04-16
- 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 2,132 business registration fees 80 computer & internet fees 1,765 dues & subscriptions 4,438 equipment rental 392 supplies expense 1,524 telephone expense 725 payroll processing fees 531 state ct-12 tax 150 contract services 3,600 cost of services 827 membership dues 141 travel expenses 428 meals & entertainment 869 parking expense 10 bond expense 718 total 18,330”
Form 990-ez, Part II, Line 26
“Payroll liabilities 0 0 unrestricted net assets 3,626 4,000 client trust accounts 271,618 286,482”
Form 990-ez, Part III, Line 31
“Increase growth in number of clients served and provide financial security.”
Raw XML Appendix137 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 | 274168 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 292720 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 3314 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 685 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 274168 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 292720 |
| IRS990EZ/GrossReceiptsAmt | 0 | 114146 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | -1076 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 2238 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | -1076 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 2238 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| 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 | 18330 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PROVIDE MONTHLY BILL PAYMENT SERVICES. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 3355 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 114146 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 110404 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 1 | 428 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 88462 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 275244 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 290482 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 110832 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 110832 |
| IRS990EZ/TotalRevenueAmt | 0 | 114146 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 114146 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 106716 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 103078 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 95551 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 98293 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 517784 |
| 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 | 517784 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 114146 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 106716 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 103078 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 95551 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 98293 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 517784 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 114146 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 106716 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 103078 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 95551 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 98293 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 517784 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES BANK ANALYSIS FEES 2,132 BUSINESS REGISTRATION FEES 80 COMPUTER & INTERNET FEES 1,765 DUES & SUBSCRIPTIONS 4,438 EQUIPMENT RENTAL 392 SUPPLIES EXPENSE 1,524 TELEPHONE EXPENSE 725 PAYROLL PROCESSING FEES 531 STATE CT-12 TAX 150 CONTRACT SERVICES 3,600 COST OF SERVICES 827 MEMBERSHIP DUES 141 TRAVEL EXPENSES 428 MEALS & ENTERTAINMENT 869 PARKING EXPENSE 10 BOND EXPENSE 718 TOTAL 18,330 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | PAYROLL LIABILITIES 0 0 UNRESTRICTED NET ASSETS 3,626 4,000 CLIENT TRUST ACCOUNTS 271,618 286,482 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART III, LINE 31 |
| ReturnHeader/BuildTS | 0 | 2023-04-26 12:10:37Z |
| 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 | 2023-04-16 |
| 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/IRSResponsiblePrtyInfoCurrInd | 0 | false |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 464221909 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | DOWNING & CABA 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 | 2023-04-17 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | TIMOTHY A DOWNING |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2023-05-11T12:58:22-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | BRENDA |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | BERTRAM |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2022-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2022-12-31 |
| ReturnHeader/TaxYr | 0 | 2022 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2022 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $292,720
- Liabilities
- $290,482
- Net assets
- $2,238
- Revenue
- $114,146
- Expenses
- $110,832
- Net income
- $3,314