CreditRiskMonitor.Com CRMZ · USD

CreditRiskMonitor was organized in Nevada in February 1977 and was engaged in the development and sale of nutritional food products from 1982 until October 22, 1993, when it sold substantially all of its assets. Effective January 19, 1999, the Company acquired the assets of the CreditRisk Monitor credit information service (“CM Service”) from Market Guide Inc. Following the closing of the CM Service purchase, the Company commenced doing business under the name “CreditRiskMonitor.com”.

The overall focus of the Company’s Software-as-a-Service (“SaaS”) subscription products is on facilitating the analysis of business-to-business (“B2B”) corporate financial risk in the context of (a) the extension of trade credit from a supplier to a buyer, (b) the management by buyers of important supplier relationships, and (c) the management of significant counterparty (i.e., buying and selling) relationships.

An example of a B2B trade credit transaction is the purchase and sale of $20,000 of merchandise. The seller will usually ship before the buyer pays, which is an extension of trade credit by the seller. The seller assumes a financial risk by extending this credit, commonly referred to as “trade credit risk.” There are a variety of negative outcomes that can occur when extending trade credit: the buyer may pay late causing the seller to incur increased borrowing costs, the seller may incur extra costs in attempting to collect the $20,000, or the buyer may never pay the full $20,000.

Quoted from its 10-K, filed 24 Mar 2026. Read the filing on SEC.gov ↗