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CRMZ on OTC

CREDITRISKMONITOR COM INC

CREDITRISKMONITOR COM INC is an American consumer credit reporting, collection agencies services company.1 It is headquartered in Las Vegas, Nevada.1 Its shares trade on OTC under the symbol CRMZ.1

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Last updated Oct 21, 2026.

Overview

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  • TickerCRMZ on OTC1
  • IndustryServices-Consumer Credit Reporting, Collection Agencies1
  • HeadquartersLas Vegas, Nevada1
  • Incorporated inNV2
  • Business address9107 West Russell Road, Suite 100, Las Vegas, Nv 109892
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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In addition to historical information, the following discussion of the Company’s business and certain other statements in this Annual Report on Form 10-K contains forward-looking statements. These forward-looking statements involve risks, uncertainties, and assumptions. The actual results may differ materially from those anticipated in these forward-looking statements as a result of many factors, including but not limited to, those factors discussed in the sections in this Annual Report on Form 10-K entitled “Company Description”, “Company Goals”, “Marketing and Sales”, and “Management’s Discussion and Analysis of Financial Condition and Results of Operations.” Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect management’s opinions only as of the date hereof. CreditRiskMonitor.com, Inc. (the “Company” or “CreditRiskMonitor.com”) undertak…3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

0.4%Operating margin4
2.5%Net margin4
1.6%Revenue growth, 20254
4.7%Return on equity4
$699.9KFree cash flow4

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Selling, general and admin54¢$10.8M
  • Other costs43¢$8.6M
  • Income tax1¢$206.1K
  • Profit3¢$511.2K

Out of $20.1M in revenue.4

Where each dollar of operating cash went, fiscal 2025

  • Capital spending28¢$268.3K
  • Kept or used elsewhere72¢$699.9K

Out of $968.2K of cash from operations.4

Financial statements

Revenue567894$20.1M in 2025+39% since 2019
0$10.0M$20.0M$30.0M2019: $14.5M$14.5M20192020: $15.7M$15.7M2020+8%2021: $17.1M$17.1M2021+8%2022: $18.0M$18.0M2022+5%2023: $18.9M$18.9M2023+5%2024: $19.8M$19.8M2024+5%2025: $20.1M$20.1M2025+2%
Operating income567894$80.6K in 2025−57% since 2019
-$1.0M0$1.0M$2.0M$3.0M2019: $187.2K$187.2K20192020: -$238.1K-$238.1K20202021: $2.3M$2.3M20212022: $1.6M$1.6M2022−32%2023: $1.5M$1.5M2023−5%2024: $736.4K$736.4K2024−51%2025: $80.6K$80.6K2025−89%
Net income567894$511.2K in 2025+135% since 2019
-$1.0M0$1.0M$2.0M$3.0M$4.0M2019: $217.6K$217.6K20192020: -$47.4K-$47.4K20202021: $3.4M$3.4M20212022: $1.4M$1.4M2022−60%2023: $1.7M$1.7M2023+25%2024: $1.3M$1.3M2024−23%2025: $511.2K$511.2K2025−61%

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Operating revenues$20.1M$19.8M
Data and product costs$8.9M$8.6M
Selling, general and administrative expenses$10.8M$10.0M
Depreciation and amortization$350.0K$402.0K
Total operating expenses$20.0M$19.1M
Income from operations$80.6K$736.4K
Other income, net$636.7K$852.9K
Income before income taxes$717.3K$1.6M
Provision for income taxes-$206.1K-$282.7K
Net income$511.2K$1.3M
Basic (in Dollars per share)$0.05$0.12
Diluted (in Dollars per share)$0.05$0.12

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Corporate structure

CREDITRISKMONITOR COM INC sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CREDITRISKMONITOR COM INC

  • CREDITRISKMONITOR COM INC Las Vegas, Nevada

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What CREDITRISKMONITOR COM INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$1.3M4 Dec 31, 2025$1.4M4 Dec 31, 2024−7.7%
Accumulated depreciation$836.5K4 Dec 31, 2025$859.2K4 Dec 31, 2024−2.6%
Property and equipment, net$415.9K4 Dec 31, 2025$497.6K4 Dec 31, 2024−16.4%
Operating-lease assets (leased space)$84.5K4 Dec 31, 2025$04 Dec 31, 2024

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$6.2M4 Dec 31, 2025$6.7M4 Dec 31, 2024−6.4%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$2.0M4 Dec 31, 2025$2.0M4 Dec 31, 20240%

Properties, in its own words

PROPERTIES.

The Company does not own any real property. The lease on the Company’s principal office expired on July 31, 2025. Subsequently, CreditRiskMonitor.com became a remote-only company.

Item 2 of the 10-K filed Mar 24, 2026.3

Leadership

Who has led CREDITRISKMONITOR COM INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Jerome S. Flum2006–2012

President

  1. Jerome S. Flum2006
  2. William B. Danner2008–2017

Chief financial officer

  1. Lawrence Fensterstock2008–2013
  2. Jennifer Gerold2024–now

Chief operating officer

  1. William B. Danner2006–2008
  2. Michael Ilan Flum2019
  3. Shyarsh Xerxes Desai2025–now
2010201520202025
Board members and other officers (9)

Former names

  • NEW GENERATION FOODS INCAug 14, 1996 to Apr 2, 19992

Timeline

  1. Sep 18, 20268-K Executive or director change27
  2. Aug 17, 20268-K Shareholder vote28
  3. Aug 6, 20268-K Earlier financial statements no longer reliable29
  4. Apr 1, 20268-K Executive or director change30
  5. Mar 4, 20268-K Executive or director change31
  6. Sep 24, 20258-K Other events32
  7. Sep 22, 20258-K Shareholder vote33
  8. Apr 30, 20258-K Executive or director change34
  9. Oct 8, 20248-K Other events35
  10. May 30, 20248-K Executive or director change36
  11. Jul 14, 20238-K Shareholder vote37
  12. May 19, 20238-K Executive or director change38
  13. Dec 7, 2006New chief executive Jerome S. Flum becomes CEO12

Calendar

When it reported results

  1. Feb 1, 2022Reported quarterly or annual results39

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

56 filings to the SEC since October 2021: 6 annual reports, 17 quarterly reports, 15 major events, 6 insider forms, 4 large holders, 8 other. The latest 20:

  1. Sep 18, 20268-K EDGAR
  2. Aug 19, 202610-Q EDGAR
  3. Aug 19, 202610-Q/A 10-Q EDGAR
  4. Aug 19, 202610-K/A EDGAR
  5. Aug 19, 202610-Q/A 10-Q EDGAR
  6. Aug 17, 20268-K EDGAR
  7. Aug 14, 2026NT 10-Q EDGAR
  8. Aug 6, 20268-K EDGAR
  9. Jun 29, 2026DEF 14A EDGAR
  10. May 12, 202610-Q EDGAR
  11. Apr 1, 20268-K/A EDGAR
  12. Mar 24, 202610-K EDGAR
  13. Mar 4, 20268-K EDGAR
  14. Nov 10, 202510-Q EDGAR
  15. Sep 24, 20258-K EDGAR
  16. Sep 24, 20253 EDGAR
  17. Sep 22, 20258-K EDGAR
  18. Aug 21, 2025DEF 14A EDGAR
  19. Aug 6, 202510-Q EDGAR
  20. May 8, 202510-Q EDGAR

The 56 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Michael I. FlumChief Executive Officer and President39$217.5K$284.7K43
2025Jennifer GeroldChief Financial Officer53$225.0K$271.4K43
2025Shyarsh DesaiChief Operating Officer60$196.9K$244.7K43
2025David ReinerChief Accounting Officer$200.0K$210.0K43
2025Jerome S. FlumExecutive Chairman85$150.0K43
2024Michael I. FlumChief Executive Officer and President39$211.2K$273.7K43
2024Jennifer GeroldChief Financial Officer53$176.8K$217.9K43
2024David ReinerChief Accounting Officer$173.0K$210.8K43
2024Jerome S. FlumExecutive Chairman85$150.0K43

SEC filer profile

How CREDITRISKMONITOR COM INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCREDITRISKMONITOR COM INC1
  • CIK0000315958
  • Employer ID (EIN)36-29725883
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inNevada3
  • Fiscal year endsDecember 311
  • Industry code (SIC)7320 Services-Consumer Credit Reporting, Collection Agencies1
  • SEC reviewing officeOffice of Trade & Services, Division of Corporation Finance1
  • Business address9107 West Russell Road, Suite 100, Las Vegas, NV 109891
  • Phone845-230-30001
  • Shares outstanding10,767,501 as of Aug 19, 202611
  • Public float$12.0M as of Jun 30, 20253
  • AuditorCohnReznick LLP, New York, New York PCAOB ID 596; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceMay 15, 19961
  • Filings388 in all: 8-K (120), 10-Q (56), 4 (43), 10QSB (36), 10-K (18), DEF 14A (14), SC 13D/A (14), SC 13G/A (13)1
    All 31 form types

    10KSB (12), 3 (11), UPLOAD (9), CORRESP (6), 8-K/A (4), DEF 14C (4), SC 13G (4), DEFA14A (3), S-8 (3), 10-Q/A (2), 10KSB/A (2), 4/A (2), PRE 14C (2), 10-K/A (1), 5 (1), NT 10-K (1), NT 10-Q (1), PRER14C (1), S-8 POS (1), SB-2 (1), SB-2/A (1), SC 13D (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Mar 24, 2026
    Quarterly report (10-Q) Aug 19, 2026
    Proxy statement (DEF 14A) Jun 29, 2026
    Latest 8-K (8-K) Sep 18, 2026

Risk factors and legal proceedings

Legal proceedings

LEGAL PROCEEDINGS.

The Company, at various times, may be involved in legal proceedings arising from the ordinary course of business. The Company records a liability when it believes it has enough information to assess the probability that a loss will be incurred and the amount of loss or range of loss can be reasonably estimated. Neither the Company nor its property is a party to or the subject of a pending legal proceeding.

The opening of Item 3, Legal Proceedings.3

Sources

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    SEC EDGAROther events
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    SEC EDGAROther events
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