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.
0.98x
Liabilities / Revenue
96th percentile
Higher debt load relative to revenue than 96% of similar nonprofits.
Net Margin
45th percentile
Higher net margin than 45% 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
13th percentile
Faster asset growth than 13% of similar nonprofits.
Revenue Growth
52nd percentile
Faster revenue growth than 52% of similar nonprofits.
Balance Sheet
Assets
Down$174,763
Down $117,957 (-40%) from 2022
Net Assets
Up$2,935
Up $697 (+31%) from 2022
Liabilities
Down$171,828
Down $118,654 (-41%) from 2022
Revenue And Expenses
Revenue
Up$121,362
Up $7,216 (+6.3%) from 2022
Expenses
Up$120,665
Up $9,833 (+8.9%) from 2022
Net Income
Down$697
Down $2,617 (-79%) from 2022
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2023 to Dec 31, 2023
- Signed
- Apr 23, 2024
- Return Version
- 2023v5.0
- Gross Receipts
- $121,362
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. | - | $120,665 |
| INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. | - | - |
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
- 2024-04-23
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Downing & Company 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 2,081 business registration fees 80 computer & internet fees 1,102 dues & subscriptions 4,344 equipment rental 429 supplies expense 991 telephone expense 847 payroll processing fees 627 state ct-12 tax 150 contract services 4,800 cost of services 383 membership dues 146 meals & entertainment 616 parking expense 5 bond expense 718 total 17,319”
Form 990-ez, Part II, Line 26
“Unrestricted net assets 4,000 8,500 client trust accounts 286,482 163,328”
Form 990-ez, Part III, Line 31
“Increase growth in number of clients served and provide financial security.”
Raw XML Appendix136 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 | 292720 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 174763 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 697 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 725 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 292720 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 174763 |
| IRS990EZ/GrossReceiptsAmt | 0 | 121362 |
| 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 | 2238 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 2935 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 2238 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 2935 |
| 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 | 17319 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PROVIDE MONTHLY BILL PAYMENT SERVICES. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 3099 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 121362 |
| 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 | 120665 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 99522 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 290482 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 171828 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 120665 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 120665 |
| IRS990EZ/TotalRevenueAmt | 0 | 121362 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 121362 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 114146 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 106716 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 103078 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 95551 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 540853 |
| 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 | 540853 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 121362 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 114146 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 106716 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 103078 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 95551 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 540853 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 121362 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 114146 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 106716 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 103078 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 95551 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 540853 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES BANK ANALYSIS FEES 2,081 BUSINESS REGISTRATION FEES 80 COMPUTER & INTERNET FEES 1,102 DUES & SUBSCRIPTIONS 4,344 EQUIPMENT RENTAL 429 SUPPLIES EXPENSE 991 TELEPHONE EXPENSE 847 PAYROLL PROCESSING FEES 627 STATE CT-12 TAX 150 CONTRACT SERVICES 4,800 COST OF SERVICES 383 MEMBERSHIP DUES 146 MEALS & ENTERTAINMENT 616 PARKING EXPENSE 5 BOND EXPENSE 718 TOTAL 17,319 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | UNRESTRICTED NET ASSETS 4,000 8,500 CLIENT TRUST ACCOUNTS 286,482 163,328 |
| 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 | 2024-04-23 |
| 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 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 464221909 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | DOWNING & COMPANY 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 | 2024-04-23 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | TIMOTHY A DOWNING |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2024-05-10T13:32:05-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | BRENDA |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | BERTRAM |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2023-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2023-12-31 |
| ReturnHeader/TaxYr | 0 | 2023 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2023 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $174,763
- Liabilities
- $171,828
- Net assets
- $2,935
- Revenue
- $121,362
- Expenses
- $120,665
- Net income
- $697