CreditRiskMonitor Announces Third Quarter Results
CreditRiskMonitor (OTCQX:CRMZ) reported Q3 fiscal 2025 operating revenue of $5.1M, up ~2% year-over-year, with pre-tax income of $321K (down ~55%) and net income of $245K (down ~56%). Management attributed the profit decline to higher employee salaries, benefits, commissions, and professional services tied to a revamped Client Services model and new CRM platform.
The company launched the FAST Rating (adding ~3.5M scored businesses) and a simplified Risk Level framework in mid-October, held its first Product Advisory Council, and reported Trade Contributor Program data at an annualized ~$3 trillion.
CreditRiskMonitor (OTCQX:CRMZ) ha riportato ricavi operativi del terzo trimestre fiscale 2025 pari a 5,1 milioni di dollari, in aumento di circa 2% anno su anno, con reddito ante imposte di 321 mila dollari (ridotto di circa il 55%) e utile netto di 245 mila dollari (ridotto di circa il 56%). La direzione attribuisce il calo degli utili a salari dei dipendenti più elevati, benefici, commissioni e servizi professionali legati a un modello rinnovato di Client Services e a una nuova piattaforma CRM. L’azienda ha lanciato il FAST Rating (aggiungendo ~3,5 milioni di aziende valutate) e un framework semplificato di Risk Level a metà ottobre, ha tenuto il primo Product Advisory Council e ha riportato dati del Trade Contributor Program per circa 3 trilioni di dollari su base annualizzata.
CreditRiskMonitor (OTCQX:CRMZ) reportó ingresos operativos del tercer trimestre fiscal de 2025 de 5,1 millones de dólares, un aumento de alrededor del 2% interanual, con ingreso antes de impuestos de 321 mil dólares (bajó aproximadamente 55%) y ingreso neto de 245 mil dólares (bajó ~56%). La dirección atribuye la caída de los beneficios a salarios de los empleados más altos, prestaciones, comisiones y servicios profesionales vinculados a un modelo renovado de Client Services y a una nueva plataforma CRM. La empresa lanzó el FAST Rating (agregando ~3,5 millones de empresas calificadas) y un marco simplificado de Risk Level a mediados de octubre, celebró su primer Product Advisory Council y reportó datos del Trade Contributor Program por aproximadamente 3 billones de dólares anuales.
CreditRiskMonitor (OTCQX:CRMZ)는 2025 회계연도 3분기 영업매출 510만 달러를 보고했고, 전년 대비 약 2% 증가했으며, 세전 소득은 32만 1천 달러(약 55% 감소), 순이익은 24만 5천 달러(약 56% 감소)였다. 경영진은 이익 감소를 직원 급여 인상, 혜택, 커미션 및 개선된 Client Services 모델과 새로운 CRM 플랫폼과 관련된 전문 서비스 비용 증가로 설명했다. 회사는 10월 중순에 FAST Rating(평가된 기업 약 350만 곳 추가) 및 간소화된 Risk Level 프레임워크를 도입했고, 최초의 Product Advisory Council을 개최했으며, Trade Contributor Program 데이터를 연환산 약 3조 달러로 보고했다.
CreditRiskMonitor (OTCQX:CRMZ) a indiqué un chiffre d’affaires opérationnel du troisième trimestre fiscal 2025 de 5,1 millions de dollars, en hausse d’environ 2% sur un an, avec un bénéfice avant impôt de 321 mille dollars (en baisse d’environ 55%) et un bénéfice net de 245 mille dollars (en baisse d’environ 56%). La direction attribue la baisse du profit à des salaires des employés plus élevés, à des prestations, des commissions et des services professionnels liés à un modèle de Client Services remanié et à une nouvelle plateforme CRM. L’entreprise a lancé le FAST Rating (ajoutant environ 3,5 millions d’entreprises évaluées) et un cadre Risk Level simplifié à la mi-octobre, a tenu son premier Product Advisory Council et a rapporté des données du Trade Contributor Program pour environ 3 000 milliards de dollars sur une base annualisée.
CreditRiskMonitor (OTCQX:CRMZ) meldete im dritten Quartal des Geschäftsjahres 2025 operatives Umsatz von 5,1 Mio. USD, ein Plus von ca. 2% im Jahresvergleich, mit einem Vorsteuergewinn von 321 Tsd. USD (rückläufig ca. 55%) und einem Nettogewinn von 245 Tsd. USD (rückläufig ca. 56%). Die Geschäftsleitung führt den Gewinnrückgang auf höhere Gehälter der Mitarbeiter, Benefits, Provisionen und professionelle Dienstleistungen zurück, die mit einem überarbeiteten Client-Services-Modell und einer neuen CRM-Plattform verbunden sind. Das Unternehmen führte Mitte Oktober das FAST Rating ein (zusätzliche ca. 3,5 Mio. bewertete Unternehmen) und einen vereinfachteten Risk-Level-Rahmen ein, hielt sein erstes Product Advisory Council ab und berichtete über Daten des Trade Contributor Program in einer annualisierten Größenordnung von ca. 3 Billionen USD.
CreditRiskMonitor (OTCQX:CRMZ) أفادت بأن الإيرادات التشغيلية للربع الثالث من السنة المالية 2025 بلغت 5.1 مليون دولار، مرتفعة بنحو 2% على أساس سنوي، مع دخل قبل الضرائب قدره 321 ألف دولار (انخفاض نحو 55%) و صافي دخل قدره 245 ألف دولار (انخفاض نحو 56%). أشارت الإدارة إلى أن انخفاض الربح يعود إلى زيادات في رواتب الموظفين، والمزايا، والعمولات، والخدمات المهنية المرتبطة بنموذج Client Services المعاد تصميمه وبمنصة CRM الجديدة. أطلقت الشركة FAST Rating (بإضافة نحو 3.5 مليون شركة مُقيّمة) وإطار Risk Level المبسّط في منتصف أكتوبر، وعقدت أول مجلس استشاري للمنتجات، وأبلغت عن بيانات برنامج مساهم التجارة Trade Contributor Program بقيمة سنوية تقارب 3 تريليون دولار.
- FAST Rating expanded scored coverage by 3.5M businesses
- Trade Contributor Program annualized data of $3 trillion
- New Risk Level framework covers >10M public and private companies
- Pre-tax income declined ~55% to $321K in Q3 fiscal 2025
- Net income declined ~56% to $245K in Q3 fiscal 2025
- Higher employee salaries, benefits, commissions, and professional services pressured margins
TARRYTOWN, NY / ACCESS Newswire / November 10, 2025 / CreditRiskMonitor.com, Inc. (OTCQX:CRMZ) reported operating revenues of
"The third quarter was all about adaptation as we launched our revamped Client Services model and new Customer Relationship Management (CRM) platform," said Mike Flum, CEO of CreditRiskMonitor. "Our teams have shown tremendous grit navigating the inevitable hiccups that accompany large organizational shifts, and I'm proud of the progress we've made. While there's still work ahead, we're already seeing stronger communication, tighter integration, and greater accountability across our CRM processes.
Splitting our Account Manager role into specialized Client Success and Inside Sales functions has sharpened our focus on customer satisfaction and product-use case fit. Coupled with ongoing product enhancements, these changes should position us for higher gross and net retention. Human-centered service remains a cornerstone of our business, but we're also laying the foundation for copilot, conversational AI, and agent-based interfaces that will drive more efficient self-service interactions and enhance customer experience. The scalability of these tools, paired with similar back-office optimizations, will further support profitability as we modernize and streamline our operations.
On the product front, customer feedback on our new Financial Analyst Strength Test (FAST) Rating and Risk Level features-launched in mid-October-has been overwhelmingly positive. The FAST Rating extends our scored coverage by 3.5 million businesses, particularly smaller international private companies with limited financial data, using a model trained on data evaluated by our team of expert financial analysts. The Risk Level framework consolidates all of our financial risk analytics into a simple Low, Medium, or High Risk classification, giving clients an intuitive way to assess and compare over 10 million public and private companies using the most accurate financial risk analytic available.
Also in October, we hosted our inaugural Product Advisory Council meeting, where clients provided valuable guidance and feedback on our product roadmap and vision for CreditRiskMonitor® 2.0.
On the macroeconomic front, recent major private bankruptcies in the automotive industry at Tricolor Auto Group, LLC and First Brands Group, LLC highlight growing risks in private credit, particularly around off-balance sheet financing and receivables factoring. In both cases, our private company PAYCE® Score identified high risk more than a year prior to their filings. We're also seeing the emergence of the 'cloaking effect' in private companies, driven by the ubiquity of private credit. The cloaking effect, initially identified by Dun & Bradstreet (D&B), refers to a phenomenon where companies maintain timely vendor payments right up until bankruptcy. Because many businesses assess customer creditworthiness using historical payment behavior signals, maintaining prompt payments can mask financial distress and preserve access to trade credit when other sources of working capital are expensive. Historically, this effect was mostly confined to public companies with greater access to debt via capital markets, but the explosion of private credit has extended this same dynamic to private firms. In this environment, predictive analytics like the PAYCE® Score, which cut through surface-level payment signals, are invaluable in helping our clients avoid bad debt write-offs and supply chain disruption."
A full copy of the financial statements can be found at https://crmz.ir.edgar-online.com/
Overview
CreditRiskMonitor.com, Inc. (creditriskmonitor.com) sells a suite of web-based, SaaS subscription products providing access to comprehensive commercial credit reports, bankruptcy risk analytics, financial and payment information, and curated news on public and private companies worldwide. Our primary SaaS subscription products for analyzing commercial financial risk are CreditRiskMonitor® and SupplyChainMonitor™. These products help corporate credit and procurement professionals stay ahead of and manage financial risk more quickly, accurately, and cost-effectively. Our subscribers include nearly
To help subscribers prioritize and monitor counterparty financial risk, our SaaS platforms offer the proprietary FRISK® and PAYCE® Scores as well as the FAST Rating, the well-known Altman Z"-Score, agency ratings from key Nationally Recognized Statistical Rating Organizations ("NRSROs"), curated news, and detailed financial spreads & ratios. Our FRISK® and PAYCE® Scores are financial distress classification models that measure a business's probability of bankruptcy within a year. The FRISK® score also includes a risk signal based on the aggregate research behaviors of our subscribers, who control counterparty access to trade credit at some of the most sophisticated companies in the world. The inclusion of this risk signal boosts the overall accuracy of this bankruptcy analytic by lowering the false positive rate for the riskiest corporations.
Through its Trade Contributor Program, the Company receives monthly confidential accounts receivables data from hundreds of subscribers and non-subscribers, which it parses, processes, aggregates, and reports to summarize the invoice payment behavior of B2B counterparties without disclosing the specific contributors of this information. The size of the Trade Contributor Program's current annualized trade credit transaction data is approximately
Safe Harbor Statement
Certain statements in this press release, including statements prefaced by the words "anticipates", "estimates", "believes", "expects" or words of similar meaning, constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance, expectations or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements, including, among others, risks associated with the COVID-19 pandemic and those risks, uncertainties and factors referenced from time to time as "risk factors" or otherwise in the Company's Registration Statements or Securities and Exchange Commission Reports. We disclaim any intention or obligation to revise any forward-looking statements, whether as a result of new information, a future event, or otherwise.
CONTACT:
CreditRiskMonitor.com, Inc.
Mike Flum, Chief Executive Officer
(845) 230-3037
ir@creditriskmonitor.com
SOURCE: CreditRiskMonitor.com, Inc.
View the original press release on ACCESS Newswire
FAQ
What were CreditRiskMonitor (CRMZ) Q3 fiscal 2025 revenues and net income?
Why did CRMZ's pre-tax income fall 55% in Q3 fiscal 2025?
What is the FAST Rating CreditRiskMonitor launched in October 2025 and how large is its coverage?
How many companies does CreditRiskMonitor's Risk Level framework cover and what is its purpose?
What size of trade payment data does CRMZ process through its Trade Contributor Program?
Did CreditRiskMonitor identify risk ahead of major private bankruptcies in 2025?
