Creditriskmonitr Stock Price, News & Analysis

CreditRiskMonitor.com, Inc. (OTCQX: CRMZ) is a technology company in the Software – Application industry that focuses on commercial credit risk and bankruptcy risk analytics. According to company disclosures and press releases, CreditRiskMonitor sells web-based, SaaS subscription products that provide access to comprehensive commercial credit reports, bankruptcy risk analytics, financial and payment information, and curated news on public and private companies worldwide. Its offerings are designed to help corporate credit, procurement, supply chain, sourcing, and finance professionals analyze and monitor the financial condition of their B2B counterparties.

Core SaaS Platforms and Products

The company states that its primary SaaS subscription products for analyzing commercial financial risk are CreditRiskMonitor® and SupplyChainMonitor™. These web-based platforms deliver commercial credit reports and financial risk analytics that aim to help users manage financial risk more quickly, accurately, and cost-effectively. CreditRiskMonitor indicates that its subscribers include nearly 40% of the Fortune 1000 and well over a thousand other large corporations worldwide, who use its news alerts, research, and reports to make risk decisions about public and private companies.

Across its platforms, CreditRiskMonitor provides detailed analyses of financial statements, including ratio analysis and trend reports, peer analysis, and corporate issuer ratings from key Nationally Recognized Statistical Rating Organizations ("NRSROs"). These capabilities are combined with the company’s proprietary bankruptcy analytics to support continuous monitoring of counterparty financial stability.

Proprietary Bankruptcy and Risk Analytics

A central feature of CreditRiskMonitor’s business is its proprietary financial distress classification models. The company highlights the FRISK® score and PAYCE® score as core analytics that measure a business’s probability of bankruptcy within a year. The FRISK® scoring model incorporates multiple inputs, including a risk signal based on the aggregate research behaviors of subscribers who control counterparty access to trade credit at large corporations. The company explains that this crowdsourced usage behavior improves the classification of bankruptcy risk for the riskiest corporations by lowering the false positive rate and boosting overall accuracy.

CreditRiskMonitor also references its Financial Analyst Strength Test (FAST) Rating, which extends scored coverage to millions of additional businesses, particularly smaller international private companies with limited financial data. The FAST Rating is described as a model trained on data evaluated by the company’s team of financial analysts. In addition, the company offers a Risk Level framework that consolidates its financial risk analytics into a simple Low, Medium, or High Risk classification, enabling clients to assess and compare over 10 million public and private companies using a unified view of financial risk.

Alongside its proprietary scores, the company’s platforms incorporate the well-known Altman Z"-Score, agency ratings from NRSROs, curated news, and detailed financial spreads and ratios. These elements are presented as tools to help subscribers prioritize and monitor counterparty financial risk across large portfolios.

SupplyChainMonitor™ and Supply Chain Risk Management

CreditRiskMonitor describes SupplyChainMonitor™ as its newest platform, built specifically for procurement, supply chain, sourcing, and finance personnel involved in supplier lifecycle management, risk assessment, and ongoing risk monitoring. The platform leverages the company’s financial risk analytics expertise to address supply chain and third-party risk management use cases.

According to company overviews, SupplyChainMonitor allows users to assess counterparty risks at both aggregate and granular levels under categories such as geography and industry, as well as customized, customer-specific configurations. The platform features mapping capabilities with real-time weather and natural disaster event overlays, along with customizable news notifications, reports, and charts. These tools are intended to support continuous monitoring of suppliers and other counterparties, and to help users understand how financial risk may propagate through n-tier supply chains.

Trade Contributor Program and Data Assets

CreditRiskMonitor emphasizes the scale of its data through its Trade Contributor Program. The company reports that it receives confidential accounts receivables data each month from hundreds of subscribers and non-subscribers. This trade receivable data is parsed, processed, aggregated, and reported to summarize the invoice payment behavior of B2B counterparties, without disclosing the specific contributors.

The company states that the Trade Contributor Program’s current trade credit file processes approximately $3 trillion of transaction data annually. This payment performance information covers millions of businesses worldwide and is used to support the company’s analytics and reporting. In addition, CreditRiskMonitor notes that its subscribers rely on timely news alerts, research, and reports on public and private companies to make risk decisions, integrating both financial statement analysis and payment behavior data.

Customer Base and Use Cases

Across multiple press releases, CreditRiskMonitor reports that its subscriber base includes nearly 40% of the Fortune 1000 and well over a thousand other large corporations worldwide. These organizations use the company’s SaaS products in order-to-cash and procure-to-pay workflows to analyze and monitor the financial stability of customers, suppliers, and other counterparties. The company positions its services as relevant for corporate credit professionals, procurement teams, supply chain managers, sourcing specialists, and finance personnel who need to evaluate bankruptcy risk and payment behavior.

The company also highlights use cases related to trade credit monitoring, supply chain risk management, and continuous monitoring of vendors. Its analytics are presented as particularly relevant in environments with rising corporate bankruptcy rates, geopolitical risk, and trade disruptions, where understanding counterparty financial health can help reduce bad debt write-offs and supply chain disruptions.

Technology Focus and AI Integration

CreditRiskMonitor describes itself as a provider of SaaS subscription products with a focus on predictive financial risk analytics. The company’s communications reference the use of artificial intelligence and data-driven models in several areas, including financial risk scoring, data acquisition, data processing, quality assurance, and product features. It also discusses work on conversational AI use cases, copilot-style interfaces, and agent-based tools intended to support more efficient self-service interactions and enhanced customer experience.

In its disclosures, the company notes that its long-term work on maintaining high-quality data is important because AI systems reflect the quality of their input data. It also indicates that it is expanding worldwide coverage using novel scoring methods and expanded data partnerships, and enhancing solutions such as its Confidential Financial Statements Solution to process more document types and support foreign languages so that more private company counterparties can be scored.

Organizational Structure and Remote-Only Model

In a Form 8-K filing, CreditRiskMonitor.com, Inc. identifies itself as a Nevada corporation and notes that it is a remote-only company. The filing states that the company does not maintain a headquarters and that, for purposes of compliance with U.S. securities laws, stockholder communications to its principal executive offices may be directed to its agent for service of process or to its investor relations email address. This remote-only structure is a notable aspect of how the company organizes its operations.

Stock and Regulatory Context

CreditRiskMonitor.com, Inc. trades on the OTCQX market under the ticker symbol CRMZ. The company files reports with the U.S. Securities and Exchange Commission, including Forms 10-K, 10-Q, and 8-K, which provide additional detail on its financial performance, risk factors, and corporate governance. These filings, together with the company’s press releases, form the primary source of public information about its business model, products, and strategic focus.

Key Features Highlighted by the Company

• Web-based, SaaS subscription products focused on commercial credit reports and bankruptcy risk analytics.
• Primary platforms: CreditRiskMonitor® and SupplyChainMonitor™ for credit and supply chain risk management.
• Proprietary FRISK® and PAYCE® scores, the FAST Rating, and a Risk Level framework for Low/Medium/High risk classification.
• Integration of Altman Z"-Score, NRSRO ratings, curated news, and detailed financial spreads and ratios.
• Trade Contributor Program processing approximately $3 trillion in annual trade credit transaction data.
• Subscriber base that includes nearly 40% of the Fortune 1000 and many other large corporations worldwide.
• Remote-only corporate structure disclosed in SEC filings.

Frequently Asked Questions about CreditRiskMonitor.com, Inc. (CRMZ)

• What does CreditRiskMonitor.com, Inc. do?
  

  CreditRiskMonitor.com, Inc. sells web-based, SaaS subscription products that provide commercial credit reports, bankruptcy risk analytics, financial and payment information, and curated news on public and private companies worldwide. Its platforms are used by corporate credit, procurement, supply chain, sourcing, and finance professionals to analyze and monitor counterparty financial risk.

• What are CreditRiskMonitor’s main products?
  

  The company identifies CreditRiskMonitor® and SupplyChainMonitor™ as its primary SaaS subscription products for analyzing commercial financial risk. These platforms deliver commercial credit reports, proprietary risk scores, financial statement analysis, and news-based insights through web-based interfaces.

• How does CreditRiskMonitor measure bankruptcy risk?
  

  CreditRiskMonitor uses proprietary financial distress classification models, including the FRISK® and PAYCE® scores, to measure a business’s probability of bankruptcy within a year. The FRISK® score incorporates a risk signal based on the aggregate research behaviors of subscribers, which the company states improves classification accuracy for the riskiest corporations.

• What is the FAST Rating mentioned by the company?
  

  The Financial Analyst Strength Test (FAST) Rating is described as a rating that extends scored coverage by millions of businesses, particularly smaller international private companies with limited financial data. It uses a model trained on data evaluated by CreditRiskMonitor’s financial analysts to provide additional coverage where traditional financial information may be sparse.

• Who uses CreditRiskMonitor’s services?
  

  According to company disclosures, subscribers include nearly 40% of the Fortune 1000 and well over a thousand other large corporations worldwide. Users typically work in corporate credit, order-to-cash, procure-to-pay, procurement, supply chain, sourcing, and finance roles, where they rely on the company’s analytics and reports to make risk decisions about customers and suppliers.

• What is the Trade Contributor Program?
  

  The Trade Contributor Program is a data initiative through which the company receives confidential accounts receivables data from hundreds of subscribers and non-subscribers each month. This trade credit data is parsed, processed, and aggregated to summarize the invoice payment behavior of B2B counterparties, without revealing the identities of data contributors. The company reports that the program processes approximately $3 trillion of transaction data annually.

• How does SupplyChainMonitor™ support supply chain risk management?
  

  SupplyChainMonitor™ is described as a platform built for procurement, supply chain, sourcing, and finance personnel to manage supplier lifecycle and risk. It allows users to assess counterparty risks by geography, industry, and custom configurations, and includes mapping capabilities with real-time weather and natural disaster overlays, as well as customizable news notifications, reports, and charts.

• Is CreditRiskMonitor a remote-only company?
  

  In a Form 8-K filing, CreditRiskMonitor.com, Inc. states that it is a remote-only company and does not maintain a headquarters. For regulatory purposes, stockholder communications to its principal executive offices may be directed to its agent for service of process or to its investor relations email address.

• On which market does CRMZ trade?
  

  The company’s common stock trades on the OTCQX market under the ticker symbol CRMZ. Its SEC filings and press releases provide additional information about its operations and financial performance.

• How does CreditRiskMonitor use AI in its business?
  

  Company communications describe the use of AI in predictive financial risk analytics, including financial risk scoring, data acquisition, data processing, quality assurance, and product enhancements. The company also references work on conversational AI and other interfaces intended to support more efficient self-service interactions and improved customer experience.