BILLSERV COM INC
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Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $85.4M | $82.9M | $84.1M | $69.4M | $61.9M | $32.3M |
| Operating income | −$2.4M | −$1.5M | −$447,364 | −$5.2M | −$155,381 | −$3.8M |
| Net income | −$2.5M | $3.3M | −$475,104 | −$5.5M | −$321,634 | −$2.9M |
| Total assets | $134.9M | $107.2M | $106.9M | $97.9M | $133.7M | $82.7M |
| Total liabilities | $117.0M | $88.1M | $91.9M | $84.0M | $115.0M | $66.0M |
| Equity | $17.9M | $19.2M | $15.1M | $13.9M | $18.7M | $16.7M |
| EPS (diluted) | $-0.09 | $0.12 | $-0.02 | $-0.27 | $-0.02 | $-0.19 |
| Shares out. | 26.5M | 26.3M | 26.4M | 25.5M | 25.0M | 17.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- −2.8%
- Net margin
- −2.9%
- Return on equity
- −14.0%
- Return on assets
- −1.9%
- Return on capital (ROCE)
- −11.3%
- Liabilities / assets
- 86.7%
- Debt / equity
- 6.53×
- Book value / share
- $0.68
- Revenue growth (YoY)
- 3.0%
- Net income growth (YoY)
- −176.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Altman Z″ (distress)
- -1.20distress
- Accruals / assets
- −3.0%clean
- Beneish M-Score
- -2.70normal
- Piotroski F-Score
- 2/9weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 2 severe● 3 warning● 3 good- Altman Z″ in the distress zone
- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Operating losses (negative operating margin)
- Reported a net loss
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 31, 2017
- NT 10-Qmissed a reporting deadline ↗Nov 14, 2016
- NT 10-Qmissed a reporting deadline ↗Aug 14, 2012
- NT 10-Kmissed a reporting deadline ↗Apr 2, 2012
- NT 10-Kmissed a reporting deadline ↗Mar 31, 2011
- NT 10-Kmissed a reporting deadline ↗Mar 31, 2010
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Whittier Trust CoPassive (13G)May 18, 2026
- National Services, IncPassive (13G)May 18, 2026
- Whittier Holdings Inc.Passive (13G)Mar 11, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Miller Elizabeth MichelleDirector | Mar 16, 2026 | Option exercise | 2,000 | $1.21 |
| Rollins BradDirector | Mar 16, 2026 | Option exercise | 7,000 | $1.21 |
| Beyer Del La Garza Ernesto RDirector | Mar 16, 2026 | Option exercise | 7,000 | $1.21 |
| National Services, Inc10% owner | Mar 9, 2026 | Sell | 8,860 | $1.31 |
| Frost Houston KorthOfficer — SVP, Chief Product Officer | Feb 21, 2026 | Option exercise | 4,000 | $1.34 |
| National Services, Inc10% owner | Mar 5, 2026 | Sell | 2,787 | $1.38 |
| Carter Greg MOfficer — EVP, Payment Acceptance | Feb 21, 2026 | Option exercise | 4,000 | $1.34 |
| Hoch Louis AOfficer — Chairman, President and CEO | Feb 21, 2026 | Option exercise | 11,000 | $1.34 |
| National Services, Inc10% owner | Jan 26, 2026 | Sell | 4,502 | $1.35 |
| National Services, Inc10% owner | Jan 22, 2026 | Sell | 7,484 | $1.37 |
| National Services, Inc10% owner | Jan 20, 2026 | Sell | 10,000 | $1.36 |
| National Services, Inc10% owner | Jan 15, 2026 | Sell | 5,612 | $1.37 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Results of operationsMay 13, 2026
- Results of operationsMar 18, 2026
- Results of operations · Regulation FD disclosureJan 27, 2026
- Results of operationsNov 12, 2025
- Director / officer changeAug 29, 2025
- Director / officer changeAug 27, 2025
- Director / officer changeAug 18, 2025
- Results of operationsAug 6, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AMay 18, 2026
- SCHEDULE 13G/AMay 18, 2026
- 8-KFORM 8-KMay 13, 2026
- 10-QFORM 10-QMay 13, 2026
- DEFA14AFORM DEFA14AApr 29, 2026
- DEF 14AFORM DEF 14AApr 29, 2026
- 4PRIMARY DOCUMENTMar 20, 2026
- 4PRIMARY DOCUMENTMar 18, 2026
- 4PRIMARY DOCUMENTMar 18, 2026
- 8-KFORM 8-KMar 18, 2026
- 10-KFORM 10-KMar 18, 2026
- 4/AMar 16, 2026
- 4Mar 11, 2026
- 4PRIMARY DOCUMENTMar 9, 2026
- 4Mar 9, 2026
Event-driven situations (1)
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