$CRMZ
CREDITRISKMONITOR COM INC

2021 Q4 Form 10-Q Financial Statement

#000114036121037619 Filed on November 12, 2021

View on sec.gov

Income Statement

Concept 2021 Q4 2021 Q3
Revenue $4.360M $4.324M
YoY Change 5.47% 7.09%
Cost Of Revenue $1.611M $1.520M
YoY Change 9.57% 0.34%
Gross Profit $2.750M $2.804M
YoY Change 3.21% 11.14%
Gross Profit Margin 63.06% 64.85%
Selling, General & Admin $1.719M $2.025M
YoY Change -38.7% -4.06%
% of Gross Profit 62.52% 72.21%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $90.22K $75.06K
YoY Change 52.63% 41.81%
% of Gross Profit 3.28% 2.68%
Operating Expenses $1.809M $2.100M
YoY Change -36.82% -42.91%
Operating Profit $940.5K $704.2K
YoY Change -571.78% 95.83%
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net $6.210K $260.00
YoY Change -2687.5% -71.62%
Pretax Income $2.508M $704.5K
YoY Change -1356.71% 95.41%
Income Tax $150.2K $209.1K
% Of Pretax Income 5.99% 29.68%
Net Earnings $2.358M $495.4K
YoY Change -1582.23% 76.23%
Net Earnings / Revenue 54.08% 11.46%
Basic Earnings Per Share $0.05
Diluted Earnings Per Share $219.9K $46.05K
COMMON SHARES
Basic Shares Outstanding 10.72M 10.72M
Diluted Shares Outstanding 10.76M

Balance Sheet

Concept 2021 Q4 2021 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $12.38M $11.69M
YoY Change 15.06% 11.89%
Cash & Equivalents $12.38M $11.69M
Short-Term Investments $0.00 $0.00
Other Short-Term Assets $581.1K $494.5K
YoY Change -1.34% -17.11%
Inventory
Prepaid Expenses
Receivables $2.803M $2.273M
Other Receivables $0.00 $0.00
Total Short-Term Assets $15.77M $14.46M
YoY Change 13.36% 11.3%
LONG-TERM ASSETS
Property, Plant & Equipment $606.2K $2.671M
YoY Change 11.09% 559.31%
Goodwill $1.954M
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $86.71K $83.30K
YoY Change 2.15% -23.18%
Total Long-Term Assets $4.660M $4.709M
YoY Change -2.62% -0.11%
TOTAL ASSETS
Total Short-Term Assets $15.77M $14.46M
Total Long-Term Assets $4.660M $4.709M
Total Assets $20.43M $19.17M
YoY Change 9.27% 8.26%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $358.3K $73.47K
YoY Change 175.43% 54.54%
Accrued Expenses $1.745M $1.931M
YoY Change -4.24% 70.04%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due $0.00 $1.562M
YoY Change -100.0% 41.59%
Total Short-Term Liabilities $11.80M $12.87M
YoY Change -9.64% 10.61%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change -100.0% -100.0%
Other Long-Term Liabilities $2.087M $2.115M
YoY Change -10.61% -10.71%
Total Long-Term Liabilities $2.087M $2.115M
YoY Change -19.65% -25.2%
TOTAL LIABILITIES
Total Short-Term Liabilities $11.80M $12.87M
Total Long-Term Liabilities $2.087M $2.115M
Total Liabilities $14.30M $15.42M
YoY Change -10.6% 3.76%
SHAREHOLDERS EQUITY
Retained Earnings -$23.80M
YoY Change -12.38%
Common Stock $107.2K
YoY Change 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $6.129M $3.752M
YoY Change
Total Liabilities & Shareholders Equity $20.43M $19.17M
YoY Change 9.27% 8.26%

Cashflow Statement

Concept 2021 Q4 2021 Q3
OPERATING ACTIVITIES
Net Income $2.358M $495.4K
YoY Change -1582.23% 76.23%
Depreciation, Depletion And Amortization $90.22K $75.06K
YoY Change 52.63% 41.81%
Cash From Operating Activities $772.6K $879.2K
YoY Change 51.49% 70.97%
INVESTING ACTIVITIES
Capital Expenditures -$85.11K -$88.98K
YoY Change -57.37% 374.31%
Acquisitions
YoY Change
Other Investing Activities $0.00 $0.00
YoY Change -100.0%
Cash From Investing Activities -$85.11K -$88.97K
YoY Change -87.07% 374.25%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 0.000 0.000
YoY Change
NET CHANGE
Cash From Operating Activities 772.6K 879.2K
Cash From Investing Activities -85.11K -88.97K
Cash From Financing Activities 0.000 0.000
Net Change In Cash 687.5K 790.3K
YoY Change -563.19% 59.49%
FREE CASH FLOW
Cash From Operating Activities $772.6K $879.2K
Capital Expenditures -$85.11K -$88.98K
Free Cash Flow $857.7K $968.2K
YoY Change 20.86% 81.65%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
dei Amendment Flag
AmendmentFlag
false
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2021
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q3
dei Entity Central Index Key
EntityCentralIndexKey
0000315958
dei Document Quarterly Report
DocumentQuarterlyReport
true
dei Document Period End Date
DocumentPeriodEndDate
2021-09-30
dei Document Type
DocumentType
10-Q
dei Document Transition Report
DocumentTransitionReport
false
dei Entity File Number
EntityFileNumber
1-8601
dei Entity Registrant Name
EntityRegistrantName
CreditRiskMonitor.com, Inc.
dei Entity Incorporation State Country Code
EntityIncorporationStateCountryCode
NV
dei Entity Tax Identification Number
EntityTaxIdentificationNumber
36-2972588
dei Entity Address Address Line1
EntityAddressAddressLine1
704 Executive Boulevard
dei Entity Address Address Line2
EntityAddressAddressLine2
Suite A
dei Entity Address City Or Town
EntityAddressCityOrTown
Valley Cottage
dei Entity Address State Or Province
EntityAddressStateOrProvince
NY
dei Entity Address Postal Zip Code
EntityAddressPostalZipCode
10989
dei City Area Code
CityAreaCode
845
dei Local Phone Number
LocalPhoneNumber
230-3000
dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
dei Entity Interactive Data Current
EntityInteractiveDataCurrent
Yes
dei Entity Filer Category
EntityFilerCategory
Non-accelerated Filer
dei Entity Small Business
EntitySmallBusiness
true
dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
dei Entity Shell Company
EntityShellCompany
false
CY2021Q4 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
10722401
CY2021Q3 us-gaap Available For Sale Securities Debt Securities Current
AvailableForSaleSecuritiesDebtSecuritiesCurrent
0
CY2020Q4 us-gaap Available For Sale Securities Debt Securities Current
AvailableForSaleSecuritiesDebtSecuritiesCurrent
458237
CY2021Q3 us-gaap Loans Payable To Bank Current
LoansPayableToBankCurrent
1561500
CY2020Q4 us-gaap Loans Payable To Bank Current
LoansPayableToBankCurrent
1299007
CY2021Q3 us-gaap Long Term Loans From Bank
LongTermLoansFromBank
0
CY2020Q4 us-gaap Long Term Loans From Bank
LongTermLoansFromBank
262493
us-gaap Proceeds From Bank Debt
ProceedsFromBankDebt
0
us-gaap Proceeds From Bank Debt
ProceedsFromBankDebt
1561500
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
0
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
1561500

Files In Submission

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