MARKETS / BALCAO / CRMZ

BALCAO · SERVICES-CONSUMER CREDIT REPORTING, COLLECTION AGENCIES · SMALL CAP

Creditriskmonitor COM Inc. CRMZ

16 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$20.1M

▲ 1.6% YoY

Net income

$511,161

▼ 60.9% YoY

Free cash flow

$699,923

▼ 71.9% YoY

In brief

What this company does

Effective January 19, 1999, the Company acquired the assets of the CreditRisk Monitor credit information service (“CM Service”) from Market Guide Inc. The overall focus of the Company’s Software-as-a-Service (“SaaS”) subscription products is on facilitating the analysis of business-to-business (“B2B”) corporate financial risk in the context of (a) the extension of trade credit from a supplier to a buyer, (b) the management by buyers of important supplier relationships, and (c) the management of significant counterparty (i.e., buying and selling) relationships. Faced with a dominant U.S. competitor, Dun & Bradstreet, as well as several other larger competitors, the Company’s primary goal is to gain market share. As of January 27, 2026, the Company had 94 employees.

Written from the business description in CreditRiskMonitor.com, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 19 August 2026. Every sentence was checked against that document before publication.

Growth

USD 20.1M

Revenue, FY2025 · full 16-year series below

Revenue $M Net income $M

FY2025 · Revenue 20.1 · Net income 0.5

Compound annual growth

Revenue

+3.8%

+5.0%

+4.9%

+5.2%

Net income

−27.8%

−0.0%

−4.5%

EPS, diluted

−27.3%

+0.0%

−5.7%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +5.0% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

3 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 0.4% · Net 2.5%

ROE

FY2025 · ROE 4.9%

Gross margin—

Operating margin0.4%

Net margin2.5%

Return on assets2.0%

EBITDA—

Each USD of equity produced 5 cents of profit this year.

Cash & shareholders

—

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 0.7

Total assetsUSD 26.3M

EquityUSD 10.9M

CashUSD 6.2M

Current ratio1.43×

Equity funds 41% of total assets.

The 16-year record

16 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating income $B	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	−0.0	−0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EBITDA $B	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	−0.0	−0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	−0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	0.05	0.12	0.16	0.13	0.31	0.00	0.02	−0.02	0.00	0.00	0.05	0.03	0.04	0.06	0.11	0.12
Dividend / sh $	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Payout %	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
ROE %	4.9	13.8	20.8	19.9	76.2	−1.8	7.7	−5.5	0.3	1.3	12.3	9.4	7.6	12.3	20.4	24.6
Shares out B	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 60 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 26 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityServices-Consumer Credit Reporting, Collection Agencies

Listed onOTC market

Incorporated inNevada

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2010