CreditRiskMonitor.com, Inc.

What they do

The company sells web-based, SaaS subscription products that help corporate credit and procurement professionals assess business-to-business financial risk in trade credit, supplier and counterparty relationships. Its primary products are CreditRiskMonitor and SupplyChainMonitor, which provide commercial credit reports, bankruptcy prediction scores, financial and payment information, proactive email alerts and curated news on public and private companies worldwide. Subscribers include nearly 40% of the Fortune 1000 and well over a thousand other large corporations.

Revenue drivers

• CreditRiskMonitor — Flagship SaaS subscription platform for commercial credit risk analysis, providing credit reports, ratio and trend analysis, peer analyses and bankruptcy prediction scores to corporate credit professionals.
• SupplyChainMonitor — Companion SaaS subscription product used by buyers to monitor and manage the financial health of important supplier relationships.
• Alerts and business-level reports — Proactive email alerts and business-level reports on public and private companies worldwide that support the subscription offering and keep subscribers engaged with the platforms.

Recent performance

Annual revenue grew modestly from $17.1M in 2021 to $20.1M in 2025, while annual net income fell from $3.4M in 2021 to $511,161 in 2025 and diluted EPS declined from $0.31 to $0.05 over the same period. Operating cash flow was $968,188 in 2025, down from $2.9M in 2024. Recent quarterly revenue has been roughly flat: $5.1M in the September and December 2025 quarters, $5.0M in the March 2026 quarter and $5.2M in the June 2026 quarter. At June 30, 2026, the company reported total assets of $25.8M, total liabilities of $15.4M, shareholders' equity of $10.4M and cash and equivalents of $9.3M.

Strategy

The company positions its SaaS products around timely bankruptcy prediction, proactive alerts and business-level reporting for B2B trade credit, supplier and counterparty risk management. It has engaged an independent third-party provider of automated sales tax solutions to support registration, filing and payment in jurisdictions approaching nexus thresholds. Management is also pursuing voluntary disclosure agreements (VDAs) to mitigate state and local tax exposure identified in a nexus study, with states in various stages of review, submission, acceptance and payment.

Risks

• Material weakness in tax controls — The company disclosed that its disclosure controls and internal control over financial reporting were not effective because of a material weakness related to identifying, monitoring and evaluating state and local tax nexus requirements.
• Restatement risk — An August 6, 2026 Form 8-K stated that previously issued financials should not be relied upon, a direct consequence of the tax nexus findings.
• Profit and cash flow compression — Net income fell from $3.4M in 2021 to $511,161 in 2025 and operating cash flow fell from $2.9M in 2024 to $968,188 in 2025 despite modest revenue growth.
• Dependence on enterprise subscriptions — Revenue relies on SaaS subscriptions from nearly 40% of the Fortune 1000 and other large corporations, leaving the company exposed to corporate credit-department budget cuts or subscriber concentration.

Outlook

The filing excerpts do not include specific forward revenue or earnings guidance. Management states it is pursuing VDAs and has engaged a third-party automated sales tax provider to support ongoing compliance across jurisdictions. The company characterizes its market opportunity by citing academic research that about a quarter of U.S. corporate debt is issued as trade credit, but provides no quantified growth targets in the excerpts.