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MARKETS / BALCAO / Industrials / Business services / 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
$20.1M
▲ 1.6% YoY
$511,161
▼ 60.9% YoY
$699,923
▼ 71.9% YoY

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

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
10M20M
201020132016201920222025
Compound annual growth
+3.8%
+5.0%
+4.9%
+5.2%
−27.8%
−0.0%
−4.5%
−27.3%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +5.0% a year over the five years to FY2025.

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%
5%10%15%-1%-2%
201020172025
ROE
FY2025 · ROE 4.9%
20%40%60%
201020172025
Three returns, three denominators.
Gross margin·
Operating margin0.4%
Net margin2.5%
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
1M2M
201020172025
Dividends paid·
Net buybacks·
Share of profit·
Consecutive raises·

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—not applicable◌not available in our data
CRMZ, 16-year financial record
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Operating income $B0.00.00.00.00.0−0.00.0−0.0−0.00.00.00.00.00.00.00.0
EBITDA $B◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Income tax $B0.00.00.00.00.0−0.00.0−0.0−0.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.0−0.00.0−0.00.00.00.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.00.0−0.00.00.00.00.00.00.00.00.0
EPS, diluted $0.050.120.160.130.310.000.02−0.020.000.000.050.030.040.060.110.12
Dividend / sh $◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Payout % — not applicable: no dividend————————————————
ROE %4.913.820.819.976.2−1.87.7−5.50.31.312.39.47.612.320.424.6
Shares out B0.010.010.010.010.010.010.010.010.010.010.010.010.010.010.010.01

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

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Provenance

Company facts, as filed

How we verify · 0 failures in 60 reconciliationsAUDITED

Reconciled in 16 of the 16 fiscal years we could check. Six checks were skipped: the balance sheet is not tagged before 2010. Four checks were skipped: the share count is not tagged before 2011. Three checks were skipped: revenue is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityServices-Consumer Credit Reporting, Collection Agencies
Listed onOTC market
Incorporated inNevada
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2010

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