CreditRiskMonitor.Com Inc
creditriskmonitor.comCreditRiskMonitor.Com Inc (OTCQX: CRMZ) is a financial data and analytics company that provides SaaS-based commercial credit risk and supply chain risk monitoring services. Revenue comes almost entirely from annual SaaS subscriptions, which represented over 99% of operating revenues in both FY2025 and FY2024. The company generated $20.1M in operating revenues for FY2025, up 2% from $19.8M in FY2024, with net income of $1.0M (5% margin) in FY2025. Its two core products, CreditRiskMonitor® and SupplyChainMonitor™, serve corporate credit professionals and procurement teams at midsized and large corporations. No single subscriber represented more than 1% of FY2025 or FY2024 operating revenues, indicating no material customer concentration. The vast majority of subscriptions are paid upfront annually. The company does not pay a cash dividend and did not repurchase common stock in FY2025.
Products & Services
CreditRiskMonitor®: a SaaS platform providing credit risk scores, multi-period financial statements, trade payment behavior, peer and trend analysis, credit limit recommendations, and material news alerts for counterparty monitoring. SupplyChainMonitor™: a SaaS platform for procurement, sourcing, and supply chain professionals covering supplier lifecycle decisions and ongoing risk monitoring. Proprietary analytics include the FRISK® score (bankruptcy probability for public companies, claimed 96% accuracy at least three months before filing) and the PAYCE® score (financial distress model). The Altman Z"-score and agency ratings from Nationally Recognized Statistical Rating Organizations are also available on the platforms.
Revenue Model
Annual SaaS subscriptions, paid upfront, representing over 99% of operating revenues in FY2025 and FY2024. Subscriptions are sold to a diverse base with no single customer exceeding 1% of revenue. Add-on and enhancement products require an active base subscription.
Customers & Markets
Corporate credit professionals and procurement, sourcing, supply chain, and finance personnel at midsized and large corporations. Primary use cases are trade credit extension decisions and supplier risk monitoring. Demand is linked to corporate bankruptcy rates, which the company notes increased 32% in 2025 relative to 2023 based on U.S. Courts Chapter 11 and Chapter 7 data.
Geographic Exposure
The filing references U.S. public-record coverage explicitly. No breakdown of domestic versus international revenue is provided in the excerpts.
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