Every 10-Q that CREDITRISKMONITOR.COM INC (CRMZ) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CRMZ and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CRMZ filings page.
CREDITRISKMONITOR.COM, INC. (CRMZ) reported modest revenue growth but a swing to losses and disclosed a material restatement and control weakness. For the quarter ended June 30, 2026, operating revenues were $5.17 million, up about 2% from 2025, yet the company posted a net loss of $474,789 versus net income of $135,441 a year earlier, driven by higher data, technology and professional-fee costs and tax-related charges. For the first half of 2026, revenue was $10.15 million and net loss was $527,112.
As of June 30, 2026, CRMZ held $9.34 million in cash and cash equivalents and $9.47 million in U.S. Treasury securities, with no debt and stockholders’ equity of $10.40 million, supporting solid liquidity metrics. The company restated prior 2024–2025 quarterly and annual financial statements after a nexus study showed previously unrecorded state and local sales and income tax liabilities, increasing accrued expenses and accumulated deficit. Management and the audit committee concluded earlier financials for the affected periods should no longer be relied upon.
CRMZ identified a material weakness in internal control over financial reporting related to identifying and monitoring state and local tax nexus. It is pursuing Voluntary Disclosure Agreements with affected states and has engaged an automated sales tax provider as part of its remediation plan. Operations remain focused on SaaS subscription products for credit and supply chain risk managers, with management emphasizing continued investment in product development and marketing while acknowledging macroeconomic and technology-related uncertainties.
CREDITRISKMONITOR.COM, INC. (CRMZ) filed an amended quarterly report to restate prior financial statements after a nexus study found previously unrecorded state and local sales/use and income tax obligations. The restatement increases accrued expenses and tax-related liabilities and was deemed material to earlier periods.
For the three months ended March 31, 2026, operating revenues were $4,986,878, up about 2% from 2025, while the company reported a net loss of $52,323 versus a $7,809 loss a year earlier. Total assets were $25.2 million, including $5.7 million in cash and cash equivalents and $12.7 million in U.S. Treasury held-to-maturity securities, with no debt.
The restatement increased accrued expenses at March 31, 2026 by $2,017,886 and reduced stockholders’ equity by $1,603,531, raising the accumulated deficit to $19,599,497. Management and the audit committee identified a material weakness in internal controls related to identifying and monitoring state and local tax nexus and are pursuing Voluntary Disclosure Agreements and automated sales tax solutions as remediation.
CreditRiskMonitor.com, Inc. (CRMZ) filed an amended quarterly report restating its financial statements for the three and nine months ended September 30, 2025 and 2024 due to previously unrecorded state and local sales and income tax liabilities identified after a nexus study. The restatement increased accrued expenses and reduced accumulated deficit and stockholders’ equity, lowering nine‑month 2025 net income by $380,556 and nine‑month 2024 net income by $477,363. For the quarter ended September 30, 2025, operating revenues were $5.1 million and net income was $125,269, compared with $5.0 million and $387,149 a year earlier. For the nine months, operating revenues were $15.0 million and net income was $252,901, down from $330,812 in 2024. As of September 30, 2025, the company held $6.9 million in cash and cash equivalents and $12.6 million in U.S. Treasury held‑to‑maturity securities, with no debt and stockholders’ equity of $10.6 million. Management and the audit committee identified a material weakness in internal control over financial reporting related to monitoring state and local tax nexus and are pursuing Voluntary Disclosure Agreements and an automated sales tax solution as remediation.
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 (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.