Credit Risk Monitor CRMZ
CreditRiskMonitor.com is a subscription-based software company that provides trade credit data and analysis for B2B businesses.
- Ticker
- CRMZ
- Headquarters
- Valley Cottage, New York
- CEO
- Michael Flum
- IPO year
- OTC Markets
- Sector
- Credit Monitoring
- Website
- creditriskmonitor.com
- Management
- Team & leadership ↗
Notes & Takes
"Jerry Flum, founder and Chairman of CreditRiskMonitor, has $19 million in cash and investments on the balance sheet — just in case World War 5 breaks out sometime in the next 200 years. It’s an absurdly conservative balance sheet and a case of bad capital management. Either return the capital to shareholders or put it to work earning higher returns in equities.
I wouldn't pay more than $2 million over the fair value of total cash and securities. Their operating business is weak and unreliable."
Company Financials
Quarterly Headlines
Full financial detail for each company lives in its Google Sheet, linked above. Best viewed on desktop.
Credit Risk Monitor Q1 2026
Mar 31, 2026
- Revenue of $5 mill up 2%
- Operating loss of $93K vs. profit of $25K Q1 last year
- Net income of $58K vs. $159K Q1 last year
- $18.3 mill in cash and securities with no debt
Credit Risk Monitor Q4 2025
Dec 31, 2025
- Revenue was flat
- Net income of $384K down 55%
- $18.8 mill in cash and securities with no debt
- For full year 2025 income from operations was $582K whereas interest income was $745K or 56% of total income
- Expect a loss from operations in 2026 due to investments in new team members and non-recurring investments
Credit Risk Monitor Q3 2025
Sep 30, 2025
- Revenues up 2%
- Net income of $245K down 56%
- Other income - from bond interest payments totaled $193K or 78% of net income
- $19.4 mill in cash and securities with no debt
Credit Risk Monitor Q2 2025
Jun 30, 2025
- Revenues up 3%
- Net income of $230K
- $18 million in cash and no debt
- On the macroeconomic front, we continue to see increasing bankruptcy rates across all market size segments, with some notable recent bankruptcies in the over $1 billion liability filers, including: Wolfspeed Inc., Del Monte Foods, At Home Group and Everstream Solutions.
Credit Risk Monitor Q1 2025
Mar 31, 2025
- Revenue of $4.9 million up 1%
- Operating income of $25,000
- $17.1 million in cash with no debt
Credit Risk Monitor Q4 2024
Dec 31, 2024
- Revenue of $5 million up 3.9%
- Net income of $866K up 47%
- $17.9 million in cash and investments with no debt
Credit Risk Monitor Q3 2024
Sep 30, 2024
- Revenue increased by 5% YoY
- Increase in profitability was driven by decreased salary expenses, lower acquisitions costs, and an increase in interest income
- Cash and securities totaled $17.3 million in September 2024
- No debt
Credit Risk Monitor Q2 2024
Jun 30, 2024
- Revenue increased 5% YoY
- US corporate bankruptcies are up 6% year to date relative to 2023 and are higher than any comparable figure in the past 13 years.
- Cash and securities totaled $16.5 million
- No debt
Credit Risk Monitor Q1 2024
Mar 31, 2024
- Revenue up 5% YoY
- We continue to experience improved demand for our products due to rising corporate bankruptcies worldwide.
- Cash and securities totaled $15.6 million
- No debt