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CreditRiskMonitor.com, Inc. filings document material-event reporting for a Nevada corporation that operates a SaaS commercial credit and supply-chain risk analytics business. Recent Form 8-K and 8-K/A reports cover executive officer appointments and departures, compensatory arrangements, separation agreement exhibits, and press releases furnished under Item 8.01 and Item 9.01.
The company’s regulatory record centers on governance changes, officer roles, exhibit filings, and Exchange Act reporting details, alongside corporate identifiers such as its state of incorporation and commission file number.
CreditRiskMonitor.com, Inc. reported a modestly profitable first quarter of 2026. Operating revenues were about $5.0 million, up roughly 2% from the prior year period, driven by higher SaaS subscription sales and price increases. Net income was $58,312 versus $159,062 a year earlier, with earnings per share steady at $0.01 basic and diluted.
Cash and cash equivalents totaled $5.7 million and held-to-maturity U.S. Treasury securities were about $12.7 million as of March 31, 2026. The company generated negative operating cash flow of $452,056 in the quarter but reported working capital of roughly $9.6 million, a current ratio of 1.79, and no debt. Deferred “unexpired subscription revenue” of about $10.8 million represents recurring SaaS revenue to be recognized over future periods. Management believes existing cash and operating cash flows will cover anticipated needs for at least the next 12 months.
CreditRiskMonitor.com, Inc. amends a prior report to describe a finalized Separation Agreement with former Chief Accounting Officer David Reiner, whose employment ended on February 27, 2026.
The agreement, dated March 19, 2026 and effective March 27, 2026, provides Mr. Reiner with $120,000 in severance, paid in three installments of $40,000, in exchange for a general release of claims.
CreditRiskMonitor.com is a Nevada-based, remote-only SaaS company focused on business-to-business corporate financial risk, selling subscription products like CreditRiskMonitor® and SupplyChainMonitor™ to credit and supply chain professionals, including nearly 40% of the Fortune 1000.
For 2025, operating revenue rose to $20.1 million, up 2% from 2024, driven by higher subscription sales and pricing, while net income declined to $1.0 million from $1.7 million as selling, general and administrative expenses increased 8%. The company ended 2025 with $6.2 million in cash and equivalents, $12.6 million in U.S. Treasury held-to-maturity securities, no debt, and working capital of $8.5 million. Unexpired subscription revenue was $11.1 million, reflecting its upfront annual billing model and recurring revenue base.
CreditRiskMonitor.com, Inc. reported that its Chief Accounting Officer, David Reiner, had his position with the company terminated, with his last day on February 27, 2026. The company expressed appreciation for his service. CreditRiskMonitor.com also reiterated that it operates as a remote-only company without a physical headquarters.
CreditRiskMonitor.com (CRMZ) reported Q3 2025 results. Operating revenues were $5,094,736 and net income was $244,868, or $0.02 per diluted share. For the nine months ended September 30, 2025, operating revenues were $15,025,690 with net income of $633,457, or $0.06 per diluted share. Management noted higher selling, general and administrative expenses in Q3 tied to a new CRM platform, a revamped client services model, and sales team expansion.
Liquidity remained solid with cash and cash equivalents of $6,918,389 and U.S. Treasury held‑to‑maturity securities of $12,579,773 as of September 30, 2025; the company has no debt. Unexpired subscription revenue (deferred revenue) totaled $10,894,478, recognized over roughly 12 months. Working capital was $3,694,000. Shares outstanding were 10,767,501 as of November 10, 2025.
Lawrence Fensterstock filed an Initial Statement of Beneficial Ownership (Form 3) reporting a grant of a stock option from CREDITRISKMONITOR COM INC (CRMZ). The option covers 5,000 shares of common stock, is exercisable on 09/18/2025 with an expiration date of 09/18/2033, and has an exercise price of $2.33. Fensterstock is identified as a Director and the form was filed by one reporting person. The filing includes an attached Exhibit 24.1 power of attorney and is signed by Jennifer Gerold as Attorney-in-Fact on 09/24/2025.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported that it has appointed Madhav Kale as its new Chief Technology Officer. The company disclosed that this leadership change was announced in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report. This adds a new executive responsible for overseeing the company’s technology strategy and development.
CreditRiskMonitor.com, Inc. reported the results of recent stockholder votes. Stockholders elected four directors to one-year terms to serve until the 2026 annual meeting, and they gave an advisory approval of the company’s named executive officer compensation as disclosed in the proxy. Shareholders also ratified the appointment of CohnReznick LLP as the company’s independent registered public accounting firm for the fiscal year ending December 31, 2025. Reported vote totals include: director nominees receiving approximately 6.6 million votes for and ~1.18 million abstentions or against counts, the advisory compensation vote with 6.73 million votes in favor and ~127,578 against/abstain mix, and the auditor ratification with 8.07 million votes in favor and minimal dissent. The disclosures reflect routine corporate governance matters and shareholder support for management proposals.
CreditRiskMonitor.com, Inc. reported the results of recent stockholder votes. Stockholders elected four directors to one-year terms to serve until the 2026 annual meeting, and they gave an advisory approval of the company’s named executive officer compensation as disclosed in the proxy. Shareholders also ratified the appointment of CohnReznick LLP as the company’s independent registered public accounting firm for the fiscal year ending December 31, 2025. Reported vote totals include: director nominees receiving approximately 6.6 million votes for and ~1.18 million abstentions or against counts, the advisory compensation vote with 6.73 million votes in favor and ~127,578 against/abstain mix, and the auditor ratification with 8.07 million votes in favor and minimal dissent. The disclosures reflect routine corporate governance matters and shareholder support for management proposals.