Recent developments include the announcement of 2025 full-year results and quarterly results releases in 2025, reflecting ongoing operational updates. Market news highlights broader economic and market conditions relevant to the company’s sector.

• CreditRiskMonitor announced its 2025 results on March 24, 2026, providing updated financial and operational information to the market [N5].
• The company released its third quarter 2025 results on November 10, 2025, continuing its regular financial reporting cadence [N6].
• Second quarter 2025 results were announced on August 6, 2025, maintaining transparency with investors and stakeholders [N7].
• First quarter 2025 results were disclosed on May 8, 2025, reflecting ongoing business performance [N8].
• Market news on August 19, 2026, noted stocks supported by lower bond yields, which may influence market sentiment broadly [N1].
• Additional market commentary on August 19, 2026, highlighted declines in chipmakers and AI stocks, indicating sector-specific volatility [N2].
• The US dollar slumped and gold rallied on August 19, 2026, reflecting macroeconomic factors that can impact financial markets [N3].
• Nebius (NBIS) Q2 2026 earnings call transcript was published on August 19, 2026, providing sector context [N4].

CreditRiskMonitor.com benefits from increasing corporate bankruptcy rates, which heighten demand for timely and accurate financial risk analytics. Its proprietary FRISK® and PAYCE® scores, supported by extensive subscriber data, provide differentiated predictive capabilities that can attract and retain sophisticated corporate clients. The SupplyChainMonitor™ platform addresses growing supply chain risk concerns amid geopolitical and macroeconomic shifts, potentially expanding the company’s market reach. The company’s diversified subscriber base and recurring upfront annual revenue model support financial stability. Strategic data partnerships and continuous product enhancements may strengthen its competitive position in a fragmented market dominated by larger players.

The company operates in a highly fragmented and competitive market with major established players such as Dun & Bradstreet, Experian, and Equifax, which may limit market share growth. Its relatively small scale, representing just over 1% of the estimated total addressable market, could constrain pricing power and bargaining leverage. The reliance on proprietary models and subscriber data introduces risks if predictive accuracy declines or if subscriber engagement diminishes. Changes in corporate bankruptcy trends or economic conditions could impact demand for its products. Additionally, the company has identified material weaknesses in internal controls related to tax nexus compliance, which may pose operational and financial risks if not adequately addressed.

CreditRiskMonitor.com’s competitive moat is built on its proprietary bankruptcy prediction models, notably the FRISK® score, which integrates subscriber behavior data to achieve high predictive accuracy. The company’s extensive data partnerships with leading rating agencies and the London Stock Exchange Group, combined with its large Trade Contributor Program aggregating trillions in trade credit transactions, provide a unique and comprehensive data set that is difficult to replicate. Its SaaS platforms offer integrated, user-friendly tools tailored to corporate credit and procurement professionals, enabling efficient risk assessment and monitoring. The diversified subscriber base, including a significant portion of the Fortune 1000, and the upfront annual payment model contribute to revenue stability. The company’s focus on both public and private company risk analytics, along with supply chain risk management, addresses critical needs in corporate financial risk management, supporting customer retention and market relevance.

• Competitive Market: The commercial credit risk information market is fragmented with large competitors such as Dun & Bradstreet, Experian, and Equifax, which may limit CreditRiskMonitor.com’s market share and pricing power.
• Model Accuracy and Data Dependence: The company’s proprietary bankruptcy prediction models rely on subscriber data and algorithms; any decline in predictive accuracy or data quality could adversely affect product effectiveness and subscriber retention.
• Regulatory and Compliance Risks: The company has disclosed material weaknesses in internal controls related to tax nexus and is engaged in voluntary disclosure agreements, which could result in financial liabilities and require ongoing compliance efforts.
• Economic and Bankruptcy Trends: Demand for the company’s products is influenced by corporate bankruptcy rates and economic conditions; significant changes could impact revenue and growth opportunities.

• CreditRiskMonitor.com, Inc. is a Software-as-a-Service (SaaS) company focused on providing subscription products for analyzing business-to-business (B2B) corporate financial risk, particularly related to trade credit and counterparty risk management.
• The company offers two main SaaS platforms: CreditRiskMonitor® and SupplyChainMonitor™.
• CreditRiskMonitor® provides subscribers with access to commercial credit reports, bankruptcy risk analytics, financial and payment information, and curated news on public and private companies worldwide.
• SupplyChainMonitor™ is designed for procurement, sourcing, supply chain, and finance personnel to manage supplier lifecycle decisions and risk assessment, including supplier location mapping with real-time event overlays.
• The company uses proprietary financial distress classification models, including the FRISK® score (96% accurate for public companies) and PAYCE® score (80% accurate for private companies), to predict bankruptcy risk.
• Subscribers include nearly 40% of the Fortune 1000 and over a thousand other large corporations globally.
• The company’s products include detailed financial statement analyses, ratio analyses, trend reports, peer analyses, and credit limit management services.
• The company’s SaaS subscription products accounted for over 99% of operating revenues in fiscal years 2024 and 2025, with most revenues paid upfront annually.
• No single subscriber accounted for more than 1% of operating revenues in fiscal years 2024 and 2025, indicating a diversified customer base.
• The company has contractual agreements with data suppliers including Nationally Recognized Statistical Rating Organizations (NRSROs) and the London Stock Exchange Group plc.
• The Trade Contributor Program aggregates approximately $3 trillion in annualized trade credit transaction data from subscribers and non-subscribers to enhance payment behavior scores.
• The company’s market is highly fragmented with major competitors including Dun & Bradstreet, Experian plc, and Equifax Inc.
• The company’s operating revenues for the quarter ended March 31, 2026 were approximately $4.99 million, with net income of approximately $58,312 and basic and diluted EPS of $0.01 per share.
• As of March 31, 2026, the company had cash and cash equivalents of approximately $5.7 million, current assets of about $21.7 million, current liabilities of about $12.1 million, resulting in a current ratio of 1.79 and a cash ratio of 0.47.
• The company had approximately 10.77 million shares outstanding as of August 19, 2026.
• The company operates remotely and does not maintain a physical headquarters.
• The company’s financial statements for recent periods have been restated due to tax nexus and related liabilities, and it has engaged third-party providers to improve tax compliance.
• The company’s SaaS products are sold primarily through upfront annual payments.
• The company’s 2025 operating revenues were approximately $15 million with net income of approximately $252,901 for the nine months ended September 30, 2025.
• The company’s products are used to help corporate credit and procurement professionals manage financial risk more quickly, accurately, and cost-effectively.
• The company’s SupplyChainMonitor™ product includes macro-level risk information on 180 countries across 10 risk categories powered by the Economist Intelligence Unit (EIU).
• The company’s FRISK® score incorporates subscriber behavior data to improve bankruptcy prediction accuracy.
• The company’s market opportunity is estimated to be over $1 billion based on competitor Dun & Bradstreet’s Finance & Risk vertical revenues.
• The company announced 2025 results on March 24, 2026, and regularly announces quarterly results and executive appointments.
• Recent news coverage includes the company’s 2025 results announcement and quarterly results releases in 2025 and 2024.
• The company’s products help subscribers prioritize attention toward risky counterparties through bankruptcy analytic scores, standardized financial reporting, and material alerts.